Electronic commerce contracts mediating method and mobile communication network

• US 20020138422A1
• Filed: 06/18/2001
• Published: 09/26/2002
• Est. Priority Date: 12/10/1999
• Status: Abandoned Application

• Current Assignee: Google Inc. (Alphabet Inc.)
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: Natsuno, Takeshi
• Application Number:
  US09/868,477
• Publication Number:
  US 20020138422A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06K 1/125 by magnetic means
• CPC Class Codes: G06K 7/084 sensing magnetic material by relative movement detecting flux changes without altering its magnetised state
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04M 1/66 with means for preventing unauthorised or fraudulent calling verifying user identity or authority in secret or secure digital communications H04L9/32
• CPC Class Codes: H04M 15/47 : Fraud detection or prevention means
• CPC Class Codes: H04M 15/88 : Provision for limiting connection, or expenditure
• CPC Class Codes: H04M 17/00 : Prepayment of wireline communication systems, wireless communication systems or telephone systems using a coded card to authorise calls from a telephone set H04M1/675
• CPC Class Codes: H04M 17/026 : Constructional features
• CPC Class Codes: H04M 17/103 : using SIMs (USIMs) or calling cards
• CPC Class Codes: H04M 17/106 : using commercial credit or debit cards
• CPC Class Codes: H04M 2017/12 : using calling, telephone credit/debit cards
• CPC Class Codes: H04M 2017/14 : using commercial credit/debit cards, e.g. VISA, AMEX
• CPC Class Codes: H04M 2215/0116 : Provision for limiting expenditure, e.g. limit on call expenses or account
• CPC Class Codes: H04M 2215/0148 : Fraud detection or prevention means
• CPC Class Codes: H04M 2215/32 : Involving wireless systems
• CPC Class Codes: H04W 88/02 : Terminal devices

Abstract

A credit card transaction system that is used for contracts for various electronic-commerce services comprises a mobile station 100, a mobile telephone network 20, a mobile packet communication network 30, a CAT 40a, 40b, . . . , a CAFIS network 50, a credit card company'"'"'s server 60A, 60B, . . . , and the Internet 70. A request from the mobile station 100 for a credit card contract is transmitted to any one of the credit card company'"'"'s server 60A, 60B, . . . through a gateway server 32; in a case where the contract is approved, credit card contract information is transmitted from any one of credit card company'"'"'s server 60A, 60B, . . . to the mobile station 100 through the gateway server 32, the credit card contract information being stored in the mobile station 100.

Claims

1. A contract mediating method comprising:

a first step of a mobile communication terminal receiving a request for an electronic-commerce contract through a mobile communication network;

a second step of said mobile communication terminal, in response to said request for the contract, prompting a user to enter information required for the contract; and

a third step of transmitting said information required for the contract entered by said user to a server of an institution which provides a service by contract.

2. A contract mediating method according to claim 1, further comprising:

a fourth step of transmitting information on approval or denial of the contract from said server of the institution which provides the service by contract to said mobile communication terminal through said mobile communication network, the server having received said information required for the contract;

a fifth step of, when said contract is approved, transmitting information required for electronic-commerce transactions prescribed in the contract from said server of the institution which provides the service by contract to said mobile communication terminal through said mobile communication network; and

a sixth step of said mobile communication terminal receiving said information required for electronic-commerce transactions prescribed in the contract, and storing the information in a memory.

3. A contract mediating method according to claim 1,

wherein said second step comprises:

a step of receiving, through said mobile communication network, entry screen information for prompting said user to enter said necessary information; and

a step of displaying said entry screen information on its screen.

4. A contract mediating method according to claim 3,

wherein said entry screen information are stored in said server of the institution which provides the service by contract.

5. A contract mediating method according to claim 3,

wherein said entry screen information is stored in a relaying device for relaying data exchanges between said mobile communication terminal and said server of the institution which provides the service by contract.

6. A contract mediating method according to claim 1,

further comprising a step of conducting user authentication of said user of said mobile communication terminal.

7. A contract mediating method according to claim 1,

wherein said contract is a credit card contract.

8. A contract mediating method according to claim 1,

wherein said mobile communication terminal is a mobile telephone.

9. A contract mediating method according to claim 2,

wherein said fifth step comprises:

a step of storing in a memory within said mobile communication network said information required for electronic-commerce transactions that are transmitted from said server of the institution which provides the service by contract;

a step of said mobile communication terminal requesting for obtaining of said information required for electronic-commerce transactions; and

a step of, when the obtaining of said information required for electronic-commerce transactions has been requested from said mobile communication terminal, transmitting said information required for electronic-commerce transactions that are stored in said memory to said mobile communication terminal through said mobile communication network.

10. A contract mediating method according to claim 2,

wherein said fourth step comprises a step of determining approval or denial of said contract based on said information required for contract that have been entered by said user.

11. A contract mediating method according to claim 10,

wherein said server of the institution which provides the service determines approval or denial of said contract.

12. A contract mediating method according to claim 10,

wherein a relaying device for relaying data exchange between said mobile communication terminal and said server of the institution which provides the service determines approval or denial of said contract.

13. A contract mediating method according to claim 2,

wherein said first to sixth steps are conducted without intercepting a call.

14. A contract mediating method according to claim 2,

wherein after conducting said first to third steps, a call is once disconnected;

and

wherein a call is connected again at a later time so as to conduct said fourth to sixth steps.

16. A mobile communication network according to claim 15, further comprising:

means for receiving information on approval or denial of the contract in response to said request for the contract from said server of the institution which provides the service, and transmitting the information to said mobile communication terminal; and

means for, when said contract is approved, receiving said information required for electronic-commerce transactions prescribed in the contract from said server of the institution which provides the service, the information being transmitted to said mobile communication terminal.

15. A mobile communication network for relaying data exchanges between a mobile communication terminal and a server of an institution which provides a service, comprising:

means for transmitting to said mobile communication terminal, in response to a request from a user of said mobile communication terminal for a electronic-commerce contract, screen information for prompting to enter information required for the contract; and

means for receiving said information required for the contract from said mobile communication terminal, and transmitting the information to said server of the institution which provides the service.