Private electronic value bank system

• US 20040103063A1
• Filed: 05/07/2003
• Published: 05/27/2004
• Est. Priority Date: 11/08/2000
• Status: Active Grant

• Current Assignee: Panasonic Corporation (Panasonic Holdings Corporation)
• Original Assignee: Panasonic Corporation (Panasonic Holdings Corporation)
• Inventors: Takayama, Hisashi, Isogawa, Takao, Kawaguchi, Kyoko
• Granted Patent: US 7,865,431 B2
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• 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: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

To make an electronic value usable for both service on a network and service in the real world while ensuring security, convenience and economical efficiency, the electronic value issued for a user is controlled on an electronic wallet of a private electronic value bank, the electronic value controlled on the electronic wallet of a bank is cached in a mobile electronic wallet on a smart card of a user'"'"'s portable terminal 5, and the electronic wallet is linked such that it is operated via the network when the mobile electronic wallet is operated. When the electronic value on the smart card is used for the service provided in a real environment such as a ticket gate of a train station, on-line transaction does not occur every time it is used, but the electronic wallet of the bank is updated when the portable terminal and the bank communicate later.

Claims

1. A private electronic value bank system, comprising:

a private electronic value bank having a first electronic wallet for controlling an electronic value issued in response to a user'"'"'s request; and

a portable terminal having a second electronic wallet where at least one electronic value out of the electronic values controlled on said first electronic wallet is controlled, wherein

the wallets are linked such that said first electronic wallet is operated via a network when said second electronic wallet is operated.

2. The private electronic value bank system according to claim 1, wherein

authentication is performed between said first and second electronic wallets when the electronic value controlled on said first electronic wallet is operated.

3. The private electronic value bank system according to claim 1, wherein

the electronic value controlled on said first electronic wallet is used via a network and the electronic value controlled on said second electronic wallet is updated via the network when a user uses an electronic value for a service on a network.

4. The private electronic value bank system according to claim 1, wherein

the user, when the user uses an electronic value for a service in the real world, uses the electronic value controlled on said second electronic wallet, and the electronic values on the first and second electronic wallets are associated by the updates when said private electronic value bank and the portable terminal communicate afterwards.

5. The private electronic value bank system according to claim 1, further comprising:

an electronic value issuing server that issues the electronic value in response to a user'"'"'s request and transfers it to said private electronic value bank, wherein

said private electronic value bank does not issue the electronic value but only controls the electronic value.

7. The private electronic value bank system according to claim 5, wherein

the case of purchasing the electronic value from said electronic value issuing server, settlement of payment for the price is performed between said private electronic value bank and said electronic value issuing server.

9. The portable terminal according to any one of claims 1 to 7.

10. A smart card, comprising:

a storage medium storing the content of a freely detachable second electronic wallet; and

a processing system, wherein said smart card is freely detachable from the portable terminal according to any one of claims 1 to 7.

11. An electronic wallet freely detachable from the portable terminal according to any one of claims 1 to 7.

12. The private electronic value bank according to any one of claims 1 to 7.

6. A private electronic value bank system, comprising:

a private electronic value bank having a first electronic wallet that controls an electronic value;

an electronic value issuing server that issues the electronic value in response to a request; and

a portable terminal having a second electronic wallet that corresponds one-to-one to said first electronic wallet, wherein

the electronic value that said electronic value issuing server has generated is transmitted to the first electronic wallet in response to an issue request to the electronic value, which said second electronic wallet generates, said first electronic wallet receives the electronic value from the electronic value issuing server, and controls it.

8. The private electronic value bank system according to claim 6, wherein

in order for a user to purchase from said electronic value issuing server, said portable terminal transmits an electronic value issue request message including issue instruction information and purchase instruction information, which has been cryptographically enveloped as an electronic document to be transmitted to the first electronic wallet of said private electronic value bank, to said electronic value issuing server,

said electronic value issuing server selects said purchase instruction information that has been cryptographically enveloped as an electronic document and transmits it to said private electronic value bank,

said private electronic value bank opens and verifies said purchase instruction information that has been cryptographically enveloped as an electronic document, and performs settlement of payment for the price of the electronic value with said electronic value issuing server when the purchase instruction information is correct,

said electronic value issuing server issues the electronic value to said private electronic value bank, and

the content of said second electronic wallet is updated based on the content of the first electronic wallet corresponding to said issued electronic value.

13. A private electronic value bank system, comprising:

an electronic value issuing server;

a private electronic value bank for using an electronic value; and

a portable terminal for using the electronic value, wherein

the electronic value issuing server has an electronic value issue request receiving section that receives an electronic value issue request from the portable terminal, and an electronic value transfer section that transfers the electronic value to the private electronic value bank in response to the electronic value issue request received by the electronic value issue request receiving section,

the private electronic value bank has a transferred electronic value receiving section that receives the electronic value transferred from the electronic value issuing server, a bank electronic value storage section that stores the electronic value, an electronic value transmission section that transmits the electronic value of the bank electronic storage section to the portable terminal, and a bank shared control section that controls the electronic value stored in the bank electronic value storage section and the electronic value stored in the portable terminal such that the electronic values are shared,

the portable terminal has an electronic value issue request output section that outputs the electronic value issue request to the electronic value issuing server, an electronic value receiving section that receives the electronic value transmitted from the private electronic value bank, and an electronic value storage section that stores the electronic value, and a terminal shared control section that controls the electronic value stored in the bank electronic value storage section and the electronic value stored in the portable terminal such that the electronic values are shared.

18. The private electronic value bank system according to claim 13 comprising:

the electronic value issuing server;

the private electronic value bank for using an electronic value; and

the portable terminal for using the electronic value, wherein

the electronic value issuing server has an electronic value update request transmission section that transmits an electronic value update request, which is an update request for an electronic value stored by the bank electronic value storage section of the private electronic value bank, to the private electronic value bank, and

the private electronic value bank further has an electronic value update request receiving section that receives the electronic value update request transmitted from the electronic value issuing server, an electronic value update section that updates the electronic value stored by the bank electronic value storage section in response to the electronic value update request received by the electronic value update request receiving section.

19. The private electronic value bank system according to claim 18, wherein

the private electronic value bank has an update request inquiry transmission section that transmits an update request inquiry, which inquires to the portable terminal whether or not the terminal accepts the electronic value update request received by the electronic value update request receiving section, an update request inquiry result receiving section that receives an update request inquiry result returned from the portable terminal in response to the update request inquiry transmitted from the update request inquiry transmission section, an update determination section that determines the validity of the request for updating the electronic value in the electronic value update section in response to the update request inquiry result, and

the portable terminal has an update request inquiry receiving section that receives the update request inquiry transmitted from the private electronic value bank, an update request inquiry result obtaining section that obtains the update request inquiry result, which is information regarding the validity of the request for updating the electronic value, for the update request inquiry received by the update request inquiry receiving section, and an update request inquiry result transmission section that transmits the update request inquiry result obtained by the update request inquiry result obtaining section to the private electronic value bank.

24. The private electronic value bank system according to any one of claims 13 to 23, wherein

the electronic value is identified by an electronic value identifier that uniquely identifies the electronic value, and

the bank shared control section of the private electronic value bank and the terminal shared control section of the portable terminal performs control such that the electronic value identifier of the electronic value, which is stored by the bank electronic value storage section of the electronic value bank, includes the electronic value identifier of the electronic value stored by the electronic value storage section of the portable terminal.

25. The private electronic value bank system according to any one of claims 13 to 23, wherein

the bank shared control section has a bank shared control section private key used in communication of a public key encryption system, which is used for control to share the electronic value stored by the bank shared control section and the electronic value stored by the electronic value storage section of the terminal, and a terminal shared control section certificate for authenticating the signature from the portable terminal, or a bank shared control section certificate for allowing another portable terminal to authenticate the signature of itself, and

the terminal shared control section has a terminal shared control section private key used in communication of the public key encryption system, which is used for control to share the electronic value stored by the electronic value storage section and the electronic value stored by the bank electronic value storage section of the private electronic value bank, and a bank shared control section certificate for authenticating the signature from the private electronic value bank, or a terminal shared control section certificate for allowing another private electronic value bank to authenticate the signature of itself.

26. The portable terminal according to any one of claims 13 to 23.

27. The private electronic value bank according to any one of claims 13 to 23.

28. A smart card, wherein

said card stores a terminal shared control section private key and is attached to a portable terminal, which makes the portable terminal function as the portable terminal according to claim 25.

29. A smart card, wherein

said card stores a terminal shared control section private key, has an electronic value storage section that stores an electronic value, and is attached to a portable terminal, which makes the portable terminal function as the portable terminal according to claim 25.

30. A smart card, wherein

said card has an application program that includes a terminal shared control section and an electronic value storage section, and is attached to a portable terminal, which makes the portable terminal function as the portable terminal according to claim 25.

14. A private electronic value bank system, comprising:

an electronic value issuing server;

a private electronic value bank for using an electronic value; and

a portable terminal for using the electronic value, wherein

the electronic value issuing server has an electronic value purchase order receiving section that receives an electronic value purchase order from the portable terminal, a purchase instruction transmission section that transmits a purchase instruction to the portable terminal in response to the electronic value issue request received by an electronic value issue request receiving section, an electronic value purchase request receiving section that receives an electronic value purchase request, which is a purchase request for the electronic value from the private electronic value bank, based on the purchase instruction transmitted from the purchase instruction transmission section, and an electronic value transfer section that transfers the electronic value to the private electronic value bank in response to the electronic value purchase request received by the electronic value purchase request receiving section,

the private electronic value bank has an electronic value purchase instruction receiving section that receives an electronic value purchase instruction, which has been generated based on the purchase instruction, from the portable terminal, an electronic value purchase request transmission section that transmits the electronic value purchase request to the electronic value issuing server based on the electronic value purchase instruction received by the electronic value purchase instruction receiving section, a transferred electronic value receiving section that receives the electronic value transferred from the electronic value issuing server in response to the electronic value purchase request transmitted from the electronic value purchase request transmission section, a bank electronic value storage section that stores the electronic value, an electronic value transmission section that transmits the electronic value of the bank electronic value storage section to the portable terminal, a bank shared control section that controls the electronic value stored in the bank electronic value storage section and the electronic value stored in the portable terminal such that the electronic values are shared,

the portable terminal has an electronic value purchase order output section that outputs the electronic value purchase order to the electronic value issuing server, a purchase instruction receiving section that receives the purchase instruction from the electronic value issuing server in response to the electronic value purchase order output from the electronic value purchase order output section, an electronic value purchase instruction transmission section that transmits the electronic value purchase instruction to the private electronic value bank in response to the purchase instruction received by the purchase instruction receiving section, an electronic value receiving section that receives the electronic value transmitted from the private electronic value bank in response to the electronic value purchase instruction transmitted from the electronic value purchase instruction transmission section, an electronic value storage section that stores the electronic value, a terminal shared control section that controls the electronic value stored by the bank electronic value storage section and the electronic value stored by the portable terminal such that the electronic values are shared.

15. A private electronic value bank system, comprising:

a private electronic value bank for using an electronic value; and

a portable terminal for using the electronic value, and

a service server for providing a service in response to the payment of an electronic value, wherein

the private electronic value bank has a bank electronic value storage section that stores the electronic value, and a bank shared control section that controls the electronic value stored by the bank electronic value storage section and the electronic value stored by the portable terminal such that the electronic values are shared,

the portable terminal has an electronic value storage section that stores the electronic value, a terminal shared control section that controls the electronic value stored by the bank electronic value storage section and the electronic value stored by the portable terminal such that the electronic values are shared, and an electronic value payment section that performs transmission of the electronic value to pay the electronic value to the service server, and

the service server has an electronic value accepting section that receive in order to accept the electronic value transmitted from the electronic value payment section of the portable terminal, and a service providing section that performs a processing for providing a service according to the electronic value received from the electronic value payment section of the portable terminal.

16. The electronic value bank system according to claim 15, wherein

transmission/receiving is performed not via a network but directly between the electronic value payment section of the terminal and the electronic value accepting section of the service server.

17. A private electronic value bank system, comprising:

a private electronic value bank for using an electronic value;

a portable terminal for using the electronic value, and

a service server for providing a service in response to the payment of an electronic value, wherein

the private electronic value bank has a bank electronic value storage section that stores the electronic value, a bank shared control section that controls the electronic value stored by the bank electronic value storage section and the electronic value stored by the portable terminal such that the electronic values are shared, an electronic value payment request receiving section that receives an electronic value payment request that is a request to perform a payment processing for the electronic value from the portable terminal to the service server, an electronic value processing output section that performs a processing to allow the service server to obtain the electronic value in response to an electronic value payment request received by the electronic value payment request receiving section,

the portable terminal has an electronic value storage section that stores the electronic value, a terminal shared control section that controls the electronic value stored by the bank electronic value storage section and the electronic value stored by the portable terminal such that the electronic values are shared, and an electronic value payment request transmission section that transmits an electronic value payment request to the private electronic value bank, and

the service server has an electronic value obtaining section that obtains the electronic value, which should be obtained by the processing of the private electronic value bank.

20. A private electronic value bank system, comprising:

an electronic value issuing server;

a private electronic value bank for using an electronic value; and

a portable terminal for using the electronic value, wherein

the electronic value issuing server has an electronic value issue request receiving section that receives an electronic value issue request, which includes purchase instruction information added with an electronic signature verifiable in the private electronic value bank and an issue instruction information that has specified the private electronic value bank, which is an issue destination of the electronic value, from the portable terminal, an electronic value purchase instruction information transmission section that interprets the electronic value issue request received by the electronic value issue request receiving section and transmits the electronic value purchase instruction information to the private electronic value bank specified by the issue instruction information, an electronic value transfer section that transfers the electronic value to the private electronic value bank according to a processing for settlement performed with the private electronic value bank in response to the electronic value purchase instruction information transmitted from the electronic value purchase instruction information transmission section, and

the private electronic value bank an electronic value purchase instruction information receiving section that receives the purchase instruction information transmitted from the electronic value issuing server, an electronic signature verification section that verifies an electronic signature included in the electronic value purchase instruction information received by the electronic value purchase instruction information receiving section, a transferred electronic value receiving section that receives the electronic value transferred from the electronic value issuing server according to a processing for settlement, which is performed with the electronic value issuing server, in response to the verification of the electronic signature in the electronic signature verification section, a bank electronic value storage section that stores the electronic value, an electronic value transmission section that transmits the electronic value of the bank electronic value storage section to the portable terminal, and a bank shared control section that controls the electronic value stored in the bank electronic value storage section and the electronic value stored in the portable terminal such that the electronic values are shared, and

the portable terminal has an electronic value issue request output section that outputs the electronic value issue request, which includes the purchase instruction information added with the electronic signature verifiable in the private electronic value bank and the issue instruction information that has specified the private electronic value bank, which is the issue destination of the electronic value, to the electronic value issuing server, an electronic value receiving section that receives the electronic value transmitted from the private electronic value bank, the electronic value storage section that stores the electronic value, and a terminal shared control section that controls the electronic value stored in the bank electronic value storage section and the electronic value stored in the portable terminal such that the electronic values are shared.

21. The private electronic value bank system according to claim 20, wherein

the purchase instruction information is encrypted so as to be decrypted in the private electronic value bank.

22. A private electronic value bank system, comprising:

an electronic value issuing server;

a private electronic value bank for using an electronic value; and

a portable terminal for using the electronic value, wherein

the electronic value issuing server has an electronic value issue request receiving section that receives an electronic value issue request from the portable terminal, a purchase instruction transmission section that transmits a purchase instruction to the portable terminal in response to the electronic value issue request received by the electronic value issue request receiving section, an electronic value purchase request receiving section that receives an electronic value purchase request, which is a purchase request for the electronic value from the private electronic value bank, based on the purchase instruction transmitted from the purchase instruction transmission section, and an electronic value transfer section that transfers the electronic value to the private electronic value bank in response to the electronic value purchase request received by the electronic value purchase request receiving section,

the private electronic value bank has an electronic value purchase instruction receiving section that receives an electronic value purchase instruction added with a signature, which has been generated based on the purchase instruction, from the portable terminal, signature verification section that performs verification to the signature of the electronic value purchase instruction received by the electronic value purchase instruction receiving section, an electronic value purchase request transmission section that transmits the electronic value purchase request to the electronic value issuing server based on the electronic value purchase instruction received by the electronic value purchase instruction receiving section when the electronic value purchase instruction has been verified to be authentic by the verification in the signature verification section, a transferred electronic value receiving section that receives the electronic value transferred from the electronic value issuing server in response to the electronic value purchase request transmitted from the electronic value purchase request transmission section, a bank electronic value storage section that stores the electronic value, an electronic value transmission section that transmits the electronic value of the bank electronic value storage section to the portable terminal, and a bank shared control section that controls the electronic value stored in the bank electronic value storage section and the electronic value stored in the portable terminal such that the electronic values are shared,

the portable terminal has an electronic value issue request output section that outputs the electronic value issue request to the electronic value issuing server, a purchase instruction receiving section that receives the purchase instruction from the electronic value issuing server in response to the electronic value issue request output from the electronic value issue request output section, an electronic value purchase instruction transmission section that transmits the electronic value purchase instruction added with the signature to the private electronic value bank in response to the purchase instruction received by the purchase instruction receiving section, an electronic value receiving section that receives the electronic value transmitted from the private electronic value bank in response to the electronic value purchase instruction transmitted from the electronic value purchase instruction transmission section, an electronic value storage section that stores the electronic value, and a terminal shared control section that controls the electronic value stored in the bank electronic value storage section and the electronic value stored in the portable terminal such that the electronic values are shared.

23. A private electronic value bank system, comprising:

a private electronic value bank for using an electronic value; and

a portable terminal for using the electronic value, wherein

the private electronic value bank has at least two bank electronic value storage sections that stores the electronic value, a bank shared control section that controls the electronic value stored by the bank electronic value storage section and the electronic value stored by the portable terminal specified corresponding to the bank electronic value storage sections such that the electronic values are shared, an electronic value transfer request receiving section that receives an electronic value transfer request, which is a request for transfer of the electronic value by moving the electronic value stored by the bank electronic value storage section to another bank electronic value storage section upon specifying the section, from the portable terminal, an electronic value movement control section that executes a processing of moving the electronic value from the bank electronic value storage section, which corresponds to the portable terminal that has output said electronic value transfer request, to the bank electronic value storage section specified by said electronic value transfer request, in response to the electronic value transfer request received by the electronic value transfer request receiving section, and

the portable terminal has an electronic value storage section that stores the electronic value, a terminal shared control section that controls the electronic value stored by the portable terminal and the electronic value stored by the bank electronic value storage section specified corresponding to the portable terminal such that the electronic values are shared, and an electronic value transfer request output section that outputs the electronic value transfer request, which is a request of transfer by moving the electronic value on specifying another bank electronic value storage section, to the private electronic value bank.