Electronic payment method, system, and devices
First Claim
Patent Images
1. An electronic payment method comprising the steps of:
- authenticating a user of a user terminal on the basis of user identification information inputted to said user terminal by said user, by said user terminal;
storing an authentication result of said user, by said user terminal, when said user terminal confirms authenticity of said user;
transmitting a user identification information stored beforehand in said user terminal to a merchant terminal when said user terminal confirms authenticity of said user, by said user terminal;
transmitting to payment device via a first communication network said user identification information and transaction information transmitted from said user terminal, by said merchant terminal;
receiving said user identification information and said transaction information transmitted from said merchant terminal, by said payment device;
identifying said user terminal on the basis of said user identification information and transmitting commands for instructing transmission of said authentication result to said user terminal via a second communication network;
transmitting authenticity of said user to said payment device via said second communication network if said user terminal stores authenticity of said user, by said user terminal; and
performing payment processing on the basis of said transaction information upon receipt of said authenticity from said user terminal, by said payment device.
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Accused Products
Abstract
A portable device authenticates a user of the portable device. If authenticity of the user is confirmed, a user ID is transmitted to a POS terminal. Upon receipt of the user ID, the POS terminal sends a request for payment including the user ID and transaction information to a payment gateway. Upon receipt of the request, the payment gateway sends an email to the portable device to execute an application for payment stored in the portable device.
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Citations
33 Claims
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1. An electronic payment method comprising the steps of:
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authenticating a user of a user terminal on the basis of user identification information inputted to said user terminal by said user, by said user terminal;
storing an authentication result of said user, by said user terminal, when said user terminal confirms authenticity of said user;
transmitting a user identification information stored beforehand in said user terminal to a merchant terminal when said user terminal confirms authenticity of said user, by said user terminal;
transmitting to payment device via a first communication network said user identification information and transaction information transmitted from said user terminal, by said merchant terminal;
receiving said user identification information and said transaction information transmitted from said merchant terminal, by said payment device;
identifying said user terminal on the basis of said user identification information and transmitting commands for instructing transmission of said authentication result to said user terminal via a second communication network;
transmitting authenticity of said user to said payment device via said second communication network if said user terminal stores authenticity of said user, by said user terminal; and
performing payment processing on the basis of said transaction information upon receipt of said authenticity from said user terminal, by said payment device. - View Dependent Claims (2, 3, 4, 5)
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6. An electronic payment method comprising the steps of:
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authenticating a user of a user terminal on the basis of user identification information inputted to said user terminal by said user, by said user terminal;
transmitting user identification information for identifying a user to a merchant terminal, by said user terminal, when said user terminal confirms authenticity of said user;
transmitting to a payment device via a first commutation network said user identification information transmitted from said user terminal, by said merchant terminal;
receiving said user identification information from said merchant terminal, by said payment device;
identifying said user terminal referring to received user identification information and transmitting commands for executing an application for payment stored in said user terminal to identified user terminal via a second communication network, by said payment device;
upon receipt of said commands, executing said application to transmit a request for proceeding payment processing to said payment device via said second communication network, by said user; and
upon receipt of said request from said user terminal, performing a payment processing.
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7. An electronic payment system having a payment device, a merchant terminal connected with said payment device via a first communication network, and a user terminal connected with said payment device via a second communication network characterized in that:
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said user terminal authenticates a user of said user terminal on the basis of user identification information inputted to said user terminal by said user;
if authenticity of said user is confirmed, stores authentication result; and
transmits to said merchant terminal user identification information stored in said user terminal;
said merchant terminal transmits to said payment device via said first communication network said user identification information transmitted from said user terminal and transaction information;
said payment device identifies said user terminal on the basis of said user identification information transmitted from said merchant terminal and transmits to said identified user terminal via said second communication network commands for instructing transmission of said authentication result;
said user terminal transmits to said payment device via said second communication network according to said commands transmitted from said payment device when said user terminal stores said authentication result; and
upon receipt of said authentication result from said user terminal, said payment device performs payment processing on the basis of said transaction information. - View Dependent Claims (8, 9, 10, 11, 12)
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13. An electronic payment system having a payment device, a merchant terminal connected with said payment device via a first communication network, and a user terminal connected with said payment device via a second communication network characterized in that:
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said user terminal authenticates a user on the basis of said user identification information inputted to said user terminal by said user;
if authenticity of said user is confirmed, transmits to said merchant terminal a user identification information for identifying said user;
said merchant terminal transfers said user identification information to said payment device via said first communication network;
said payment device identifies said user terminal on the basis of said user identification information and transmits to said identified user terminal via said second communication network commands for executing an application for payment stored in the user terminal;
said user terminal executes said application according to said commands and transmits a request for proceeding payment processing to said payment device via said second communication network; and
said payment device performs said payment processing according to said request.
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14. A user terminal used for an electronic payment system having a payment device connected with a first and a second communication network and a merchant terminal connected with said payment device via a first communication network, comprising:
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an authenticating means for authenticating a user of said communication terminal on the basis of a user identification information inputted to said user terminal by said user;
a storing means for storing an authentication result when authenticity of said user is confirmed by said authenticating means;
a storage medium for storing said user identification information;
a first transmitting means for transmitting, when authenticity of said user is confirmed, said user identification information stored in said storage means to said merchant terminal so that said merchant terminal transmits to said payment device a request for payment processing including said user identification information;
a receiving means for receiving commands for instructing transmission of said authentication result which is transmitted, in response to said request for payment, from said payment device via said second communication network; and
a second transmitting means for transmitting, upon receipt of said commands, a request for proceeding said payment processing including said authentication result to said payment device via said second communication network. - View Dependent Claims (15, 16, 17)
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18. A user terminal used for an electronic payment system having a payment device connected with a first and a second communication network and a merchant terminal connected with said payment device via a first communication network, comprising:
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an authenticating means for authenticating a user of said communication terminal on the basis of a user identification information inputted to said user terminal by said user;
a first transmitting means for transmitting, when authenticity of said user is confirmed, said user identification information stored in said storage means to said merchant terminal so that said merchant terminal transmits to said payment device a request for payment processing including said user identification information a receiving means for receiving commands for executing an application for payment which is transmitted from said payment device via said second communication network; and
a second transmitting means for executing said application for payment stored in said user terminal and transmitting, according to said application, a request for proceeding payment processing to said payment device via said second communication network.
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19. A payment device comprising:
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a receiver for receiving a request for payment including a user identification information for identifying a user of a user terminal from a merchant terminal via a first communication network;
an identifying means for identifying said user terminal among registered user terminal on the basis of said received user identification information;
a transmitter for transmitting to said identified user terminal via a second communication network commands for executing an application for payment stored in the user terminal; and
a processing means for performing a payment processing on the basis of a request sent from the user terminal via said second communication network after transmission of said commands.
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20. A computer program product for making a computer incorporated into a communication terminal used for an electronic payment system having a payment device connected with a first and a second communication network and a merchant terminal connected with said payment device via a first communication network to execute the steps of:
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authenticating a user of said communication terminal on the basis of a user identification information inputted to said user terminal by said user;
storing an authentication result into a storage means when authenticity of said user is confirmed by said authenticating means;
transmitting, when authenticity of said user is confirmed, said user identification information stored in said storage means to said merchant terminal so that said merchant terminal transmits to said payment device a request for payment processing including said user identification information;
receiving commands for instructing transmission of said authentication result which is transmitted, in response to said request for payment, from said payment device via said second communication network; and
transmitting, upon receipt of said commands, a request for proceeding said payment processing including said authentication result to said payment device via said second communication network.
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21. A storage medium for storing a computer program product for making a computer incorporated into a communication terminal used for an electronic payment system having a payment device connected with a first and a second communication network and a merchant terminal connected with said payment device via a first communication network to execute the steps of:
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authenticating a user of said communication terminal on the basis of a user identification information inputted to said user terminal by said user;
storing an authentication result into a storage means when authenticity of said user is confirmed by said authenticating means;
transmitting, when authenticity of said user is confirmed, said user identification information stored in said storage means to said merchant terminal so that said merchant terminal transmits to said payment device a request for payment processing including said user identification information;
receiving commands for instructing transmission of said authentication result which is transmitted, in response to said request for payment, from said payment device via said second communication network; and
transmitting, upon receipt of said commands, a request for proceeding said payment processing including said authentication result to said payment device via said second communication network.
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22. A payment device comprising:
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a storage unit for storing a user identification information for identifying a user of a user terminal and a card number of a credit card correspondingly;
a receiving unit for receiving from a merchant terminal a user identification information;
a retrieving unit for retrieving from said storage unit a card number corresponding to said identified user;
an encrypting unit for encrypting the retrieved card number;
a generating unit for generating a key for decryption of said encrypted card number;
a first transmitting unit for transmitting to said merchant terminal said encrypted card number; and
a second transmitting unit for transmitting said key to a credit server managed by an issuer of the credit card. - View Dependent Claims (23, 24)
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25. An electronic payment method comprising the steps of:
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receiving from a merchant terminal a user identification information for identifying a user of a user terminal, by a receiving unit;
retrieving from a storage unit a card number corresponding to said identified user, by a retrieving unit;
encrypting the retrieved card number, by an encrypting unit;
generating a key for decryption of said encrypted card number, by a generating unit;
transmitting to said merchant terminal said encrypted card number, by a first transmitting unit; and
transmitting said key to a credit server managed by an issuer of the credit card, by a second transmitting unit. - View Dependent Claims (26, 27)
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28. A computer program product for making a computer to execute the steps of:
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receiving from a merchant terminal a user identification information for identifying a user of a user terminal;
retrieving from a storage unit a card number corresponding to said identified user;
encrypting the retrieved card number;
generating a key for decryption of said encrypted card number;
transmitting to said merchant terminal said encrypted card number; and
transmitting said key to a credit server managed by an issuer of the credit card. - View Dependent Claims (29, 30)
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31. A computer readable storage medium for storing a computer program product for making a computer to execute the steps of:
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receiving from a merchant terminal a user identification information for identifying a user of a user terminal;
retrieving from a storage unit a card number corresponding to said identified user;
encrypting the retrieved card number;
generating a key for decryption of said encrypted card number;
transmitting to said merchant terminal said encrypted card number; and
transmitting said key to a credit server managed by an issuer of the credit card. - View Dependent Claims (32, 33)
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Specification