Electronic payment system, payment apparatus and terminal thereof
First Claim
1. An electronic payment system that makes electronic money payment relating to a dealing, comprising:
- a payment terminal operable to store a first balance of electronic money for said electronic money payment relating to said dealing;
a demanding terminal operable to communicate with said payment terminal to demand said payment; and
a payment apparatus operable to communicate with said demanding terminal and to store a second balance of electronic money to correspond to an identification number of said payment terminal for validating said payment, wherein said demanding terminal receives from said payment terminal said first balance stored in said payment terminal and transmits said first balance to said payment apparatus, and said payment apparatus detects unfair use of said electronic money by checking said first balance stored in said payment terminal, which was received from said demanding terminal, with said second balance stored in said payment apparatus.
3 Assignments
0 Petitions
Accused Products
Abstract
An electronic payment system for making electronic money payments for transactions. A payment terminal stores a balance of electronic money for payment on a dealing by electronic money. A demanding terminal communicates with the payment terminal to demand the payment and a payment apparatus communicates with the demanding terminal and stores a balance of electronic money to correspond to an identification number of the payment terminal for allowing settlement on the dealing. The demanding terminal receives from the payment terminal the balance stored in the payment terminal and transmits the balance to the payment apparatus. The payment apparatus detects an improper use by checking the balance stored in the payment terminal, which was received from the demanding terminal, with the balance stored in the payment apparatus. The system of the present invention provides secure and convenient electronic money payment for a user'"'"'s transaction.
-
Citations
42 Claims
-
1. An electronic payment system that makes electronic money payment relating to a dealing, comprising:
-
a payment terminal operable to store a first balance of electronic money for said electronic money payment relating to said dealing;
a demanding terminal operable to communicate with said payment terminal to demand said payment; and
a payment apparatus operable to communicate with said demanding terminal and to store a second balance of electronic money to correspond to an identification number of said payment terminal for validating said payment, wherein said demanding terminal receives from said payment terminal said first balance stored in said payment terminal and transmits said first balance to said payment apparatus, and said payment apparatus detects unfair use of said electronic money by checking said first balance stored in said payment terminal, which was received from said demanding terminal, with said second balance stored in said payment apparatus.
-
-
2. An electronic payment system for making payment on a dealing by electronic money, comprising:
-
a payment terminal operable to store a first reference number for electronic money for making payment on said dealing by said electronic money;
a demanding terminal operable to communicate with said payment terminal to demand said payment; and
a payment apparatus operable to communicate with said demanding terminal and to store a second reference number to correspond to an identification number of said payment terminal for allowing settlement of said payment on said dealing, wherein said payment apparatus updates said second reference number in accordance with a predetermined update rule, said payment terminal receives said update rule of said second reference number from said payment apparatus and updates said first reference number in accordance with said update rule, and in a case where said demanding terminal received from said payment terminal said first reference number stored in said payment terminal and then transmitted said first reference number to said payment apparatus, said payment apparatus checks said first reference number, received from said demanding terminal, with said second reference number stored in said payment apparatus to detect unfair use of said electronic money.
-
-
3. A payment apparatus that communicates with a payment terminal and a demanding terminal to make settlement on an electronic money payment for a dealing, the payment terminal being operable to store an electronic money balance for making payment on the dealing by the electronic money, the demanding terminal being operable to demand the payment on the dealing, the payment apparatus comprising:
-
a memory unit operable to store a check balance of said electronic money to correspond to an identification number of said payment terminal;
a communication unit operable to receive, from said demanding terminal, a payment amount of said electronic money to be paid by said payment terminal; and
a processor operable to update said check balance of said electronic money stored in said memory unit based on said payment amount received from said demanding terminal. - View Dependent Claims (4, 5, 6, 7, 8, 9, 10)
-
-
11. A payment apparatus that communicates with a payment terminal and a demanding terminal to make settlement on an electronic money payment for a dealing, the payment terminal being operable to store a check reference number for the electronic money for making payment on the dealing, the demanding terminal being operable to demand the payment on the dealing, the payment apparatus comprising:
-
a memory unit operable to store a reference number of said electronic money to correspond to an identification number of said payment terminal;
an operation unit operable to update said reference number in accordance with a predetermined update rule;
a communication unit operable to receive, from said demanding terminal, said check reference number of said electronic money, which said demanding terminal was notified from said payment terminal; and
a processor operable to compare said reference number stored in said memory unit with said check reference number received from said demanding terminal to validate said electronic money. - View Dependent Claims (12, 13, 14, 15, 16, 17)
-
-
18. A recording medium storing a computer program that enables communication with a payment terminal and a demanding terminal for making settlement on an electronic money payment for a dealing, the payment terminal being operable to store an electronic money balance for making payment on the dealing, the demanding terminal being operable to demand the payment on the dealing, the program comprising:
-
a storing module that enables a computer to store a check balance of said electronic money to correspond to an identification number of said payment terminal;
a communication module that enables the computer to receive, from said demanding terminal, a payment amount of said electronic money to be paid by said payment terminal; and
a processing module that enables the computer to update said check balance of said electronic money based on said payment amount received from said demanding terminal, wherein said communication module enables the computer to receive the electronic money balance from said payment terminal when receiving a deposit-requested amount of said electronic money from said payment terminal, and said processing module enables the computer to compare said electronic money balance received from said payment terminal with said check balance, transmit a new balance obtained by said update when said compared balances coincide, and notify a manager of the computer of a warning indicating a possibility of unfair use of said electronic money.
-
-
19. A recording medium storing a computer program for enabling communication with a payment terminal and a demanding terminal to make settlement on an electronic money dealing, the payment terminal being operable to store a check reference number of electronic money for making payment on the dealing by the electronic money, the demanding terminal being operable to demand the payment on the dealing, the program comprising:
-
a storing module that instructs a computer to store a reference number of said electronic money to correspond to an identification number of said payment terminal;
an operation module that instructs said computer to update said stored reference number in accordance with a predetermined update rule;
a communication module that instructs said computer to receive from said demanding terminal said check reference number of said electronic money, which said demanding terminal was notified from said payment terminal; and
a processing module that instructs said computer to compare said stored reference number with said check reference number received from said demanding terminal to validate said electronic money, wherein said update rule uniquely determines said stored reference number based on an initial value and time information in such a manner that said stored reference number is changed when said initial value or said time information is changed.
-
-
20. A demanding terminal that communicates with a payment apparatus, which settles electronic money payment on a dealing, and a payment terminal, which makes electronic money payment on the dealing, the demanding terminal, which demands the payment on the dealing, comprising:
-
a first communication unit operable to communicate with said payment terminal and to receive a check reference number of said electronic money from said payment terminal;
a second communication unit operable to communicate with said payment apparatus, to transmit said check reference number of said electronic money to said payment apparatus, and to receive a result of a validation of said electronic money; and
a processor operable to calculate a payment amount of said electronic money to be paid by said payment terminal and to make said second communication unit send said payment amount to said payment apparatus, in a case where said second communication unit received a signal indicating that said validation of said electronic money was successful. - View Dependent Claims (21, 22, 23, 24, 26, 27, 28, 29, 37, 38)
-
-
25. A payment terminal for communicating with a payment apparatus, which is operable to store a balance of electronic money for making settlement on a dealing by the electronic money, and a demanding terminal, which is operable to demand the payment on the dealing, the payment terminal, which makes the electronic money payment on the dealing, comprising:
-
a first communication unit operable to communicate with said payment apparatus and to receive, from said payment apparatus, said balance of said electronic money stored in said payment apparatus;
a memory unit operable to store said balance of said electronic money received by said first communication unit;
a second communication unit operable to communicate with said demanding terminal and to receive a payment amount of said electronic money from said demanding terminal; and
a processor operable to update said balance of said electronic money stored in said memory unit based on said payment amount.
-
-
30. A payment terminal that communicates with a payment apparatus and a demanding terminal to make payment on a dealing using electronic money, the payment apparatus stores a reference number of the electronic money for making settlement on the dealing by electronic money, the demanding terminal demands the payment on the dealing, the payment terminal comprising:
-
a memory unit operable to store a check reference number of said electronic money;
a first communication unit operable to communicate with said payment apparatus and to receive from said payment apparatus an update rule for updating said check reference number stored in said memory unit;
an operation unit operable to update said check reference number stored in said memory unit in accordance with said update rule; and
a second communication unit operable to communicate with said demanding terminal and to send said check reference number, after being updated by said operation unit, to said demanding terminal. - View Dependent Claims (31, 32, 33, 34, 35, 36, 40, 41)
-
-
39. A communication adapter, to which a payment terminal for making electronic money payment on a dealing is attached, whereby the payment terminal communicates with a charging system for a toll road, the communication adapter comprising:
-
a detection unit operable to detect an electric wave signal transmitted from said charging system; and
a control unit operable to make said payment terminal, attached to said communication adapter, communicate with said charging system by wireless communication to send said charging system a check reference number of electronic money stored in said payment terminal for validation of said electronic money, in a case where said electric signal from said charging system was detected.
-
-
42. A payment terminal for communicating with a charging system of a toll road to pay toll by electronic money, comprising:
-
a memory unit operable to store a check reference number of said electronic money;
a detection unit operable to detect an electric wave signal transmitted from said charging system; and
a communication unit operable to communicate with said charging system to send said check reference number, stored in said memory unit, to said charging system, in a case where said detection unit detected said electric wave signal.
-
Specification