Card payment method for service charge concerning to physical distribution or transportation

• US 20030183690A1
• Filed: 02/24/2003
• Published: 10/02/2003
• Est. Priority Date: 08/24/2000
• Status: Active Grant

• Current Assignee: SG Holdings Company Limited
• Original Assignee: Sagawa Express Company Limited (SG Holdings Company Limited)
• Inventors: Yamagami, Takayuki
• Granted Patent: US 6,966,488 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/325 using wireless networks
• 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 20/403 Solvency checks
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G07F 17/0014 for vending, access and use of specific services not covered anywhere else in G07F17/00 meter-controlled dispensing of liquid, gas or electricity G07F15/00
• 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

Abstract

A portable card reader 22 reads data from a credit card 20 issued by an account settlement institution, transmits the data for the card and the data for a service charge to the account settlement institution. When the account settlement institution receives from the portable card reader 22 the data for the credit card 20 and the data for the service charge, the account settlement institution issues a credit inquiry for the consumer based on the data received for the credit card and predetermined data for determining the validity of an account settlement card, and settles the service charge based on the result of the credit inquiry obtained by the credit inquiry and the service charge data that is received. Upon receiving the result of the credit inquiry, the portable card reader 22 issues a receipt in accordance with the result of the credit inquiry and the service charge data.

Claims

1. (Amended) a card settlement method, for settling a charge for a distribution or transportation associated service, by exchanging data through a radio communication line between a portable card reader, carried by a service dealer who provides the service, and an account settlement server provided in an account settlement institution,

wherein, to provides the service for the consumer, the portable card reader reads data from an accounting card used by the consumer for payment,

transmits the data read from the accounting card and data for the service charge through the radio communication line to the settlement server, which settles a transaction account, and

settles the charge for the service based on result of the credit inquiry obtained for the accounting card that is received from the account settlement server:

4. A card settlement method according to claim 1 or 2 for settling a charge for a distribution or transportation associated service,

wherein, after obtaining the result of the credit inquiry, the account settlement server deletes the data read from the accounting card that is received from the portable card reader.

5. A card settlement method according to claim 1 or 2 for settling a charge for a distribution or transportation associated service,

wherein after obtaining the result of the credit inquiry, the portable card reader deletes the data read from the accounting card of the consumer.

6. (Amended) A card settlement method according to any one of claims 1 to 3 for settling a charge for a distribution or transportation associated service,

wherein the account settlement institution is a credit company or a financial institution, and the accounting card is a credit card issued by the credit company or a debit card issued by the financial institution.

2. A card settlement method, for settling a charge for a distribution or transportation associated service, by exchanging data through a radio communication line between a portable card reader, carried by a service dealer who provides the service, and an account settlement server provided in an account settlement institution,

wherein the portable card reader reads data from an accounting card issued by the account settlement institution, and

transmits the data read from the accounting card and data for the service charge through the radio communication line to the account settlement server;

the account settlement server receives the data read from the accounting card and the data for the service charge from the portable card reader through the radio communication line,

performs a credit inquiry for the consumer based on the data received for the accounting card and predetermined data for determining the validity of the accounting card,

settles the service charge based on the result of the credit inquiry that is obtained and the data for the service charge that are received, and

transmits the result of the credit inquiry through the radio communication line to the portable card reader;

the portable card reader receives the result of the credit inquiry from the account settlement server, through the radio communication line, and

issues a receipt based on the result of the credit inquiry and the service charge data.

3. A card settlement method according to claim 2 for settling a charge for a distribution or transportation associated service,

wherein the account settlement server transfers, to an account settlement server at a financial institution that performs an account settlement for the service dealer who provides the service, a value obtained by subtracting a commission required for the settlement from the charge for the service.

7. (Amended) A card settlement system, for settling a charge associated with a distribution or transportation service by exchanging data through a radio communication line between a portable card reader, carried by a service dealer who provides the service, and an account settlement server provided in an account settlement institution,

wherein, to provide the service for the consumer, the portable card reader includes

reading means for reading data from an accounting card used by the consumer for payment, and

transmission means for transmitting the data read from the accounting card and data for the service charge through the radio communication line to the account settlement server for settling a transaction charge;

wherein the portable card reader receives result of the credit inquiry read from the accounting card from the account settlement server, and settles the charge for the service.

12. (Amended) A card settlement system according to any one of claims 7 to 9 for settling a charge for a distribution or transportation associated service, wherein the account settlement institution is a credit card company or a financial institution, and the accounting card is a credit card issued by the credit card company or a debit card issued by the financial institution.

8. A card settlement system, for settling a charge for a distribution or transportation associated service by exchanging data through a radio communication line between a portable card reader, carried by a service dealer who provides the service, and an account settlement server provided in an account settlement institution,

wherein the portable card reader includes

reading means for reading data from an accounting card issued by the account settlement institution, and

data transmission means for transmitting the data read from the accounting card and service charge data through the radio communication line to the settling server;

the account settlement server includes

data reception means for receiving the data read from the accounting card and the service charge data from the portable card reader through the radio communication line,

credit inquiry means for performing a credit inquiry for the consumer based on the data received for the accounting card and predetermined data for determining the validity of the accounting card,

account settlement means for settling the charge for the service based on the result of the credit inquiry that is obtained and the service charge data that is received, and

results transmission means for transmitting the result of the credit inquiry through the radio communication line to the portable card reader;

the portable card reader includes

results reception means for receiving the result of the credit inquiry from the settling server through the radio communication line, and

issuing means for issuing a receipt based on the result of the credit inquiry that is received and the service charge data.

9. A card settlement system according to claim 8 for settling a charge for a distribution or transportation associated service, wherein the settling server includes

transfer means for transferring, to an account settlement server at a financial institution for performing an account settlement for the service dealer who provides the service, a value obtained by subtracting, from the charge for the service, a commission required for the settlement.

10. A card settlement system according to claim 8 or 9 for settling a charge for a distribution or transportation associated service, wherein the account settlement server includes

deletion means for, after obtaining the result of the credit inquiry, deleting the data read from the accounting card that is received from the portable card reader.

11. A card settlement system according to claim 8 or 9 for settling a charge for a distribution or transportation associated service, wherein the portable card reader includes

deletion means for, after obtaining the result of the credit inquiry, deleting the data read from the accounting card of the consumer.