Electronic settlement system, portable telephone, noncontact ic card reader, and personal identification data sampler

• US 20070181672A1
• Filed: 06/07/2005
• Published: 08/09/2007
• Est. Priority Date: 06/07/2004
• Status: Abandoned Application

• Current Assignee: Panasonic Corporation (Panasonic Holdings Corporation)
• Original Assignee: Matsushita Electric Industrial Company Limited (Panasonic Holdings Corporation)
• Inventors: Sawamura, Kouji
• Application Number:
  US11/570,189
• Publication Number:
  US 20070181672A1
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of 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 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• 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: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231

Abstract

An electronic settlement system includes a portable telephone mounted with a noncontact IC card means and a fingerprint verification means, a noncontact IC card reader, and a fingerprint sampler connected with the noncontact IC card reader. User'"'"'s fingerprint data is sampled using the fingerprint sampler and transmitted from the noncontact IC card reader to the portable telephone. The portable telephone makes the fingerprint verification means compare the sampled fingerprint data with fingerprint data prestored for verification and transmit the verification result to the noncontact IC card reader. The noncontact IC card reader performs electronic settlement based on the received verification result, thereby ensuring security and reliability when the user purchases an article of commerce.

Claims

1. An electronic settlement system comprising:

a portable telephone mounted with a noncontact IC card means and a data verification means;

a noncontact IC card reader; and

a personal identification data sampler connected to the noncontact IC card reader, wherein

the personal identification data sampler samples personal identification data,

the noncontact IC card reader transmits the personal identification data to the portable telephone,

the portable telephone compares the personal identification data thus received with prestored verification data, and transmits a verification result to the noncontact IC card reader, and

the noncontact IC card reader performs a settlement process based on the verification result.

12. A personal identification data sampler used in the electronic settlement system of claim 1, wherein

the personal identification data which has been sampled is deleted from a storage section in the personal identification data sampler when outputted to the portable telephone.

13. A personal identification data sampler used in the electronic settlement system of claim 1, wherein

the personal identification data which has been sampled is deleted from a storage section in the personal identification data sampler upon being informed of completion of a settlement process from the portable telephone.

14. A personal identification data sampler used in the electronic settlement system of claim 1, wherein

the personal identification data is a fingerprint.

2. A portable telephone used in an electronic settlement system, the portable telephone comprising:

a communication section for performing noncontact communication with an external device;

a verification data storage section for storing verification data;

a verification section for comparing personal identification data received by the noncontact communication with the verification data;

an identification result output section for transmitting a verification result to the external device; and

a transmitter for transmitting settlement information in response to a settlement request from the external device.

3. The portable telephone of claim 2 further comprising:

a settlement information storage section for storing the settlement information therein; and

a display section for displaying the settlement information stored.

4. The portable telephone of claim 2 or 3, wherein

the verification data storage section is a detachable storage medium.

5. The portable telephone of claim 2 or 3, wherein

data input to the verification data storage section is performed by noncontact communication.

6. The portable telephone of claim 2 or 3, wherein

data input to the verification data storage section is performed via a connection cable.

7. The portable telephone of claim 2 or 3, wherein

the personal identification data and the verification data are fingerprints.

8. A noncontact IC card reader used in an electronic settlement system, the noncontact IC card reader comprising:

a sampler connection section connected to a personal identification data sampler;

a personal identification data storage section for storing the personal identification data;

a communication section for performing noncontact communication with a portable telephone;

a settlement section for performing electronic settlement according to a verification result obtained from the portable telephone;

a delete section for deleting the personal identification data; and

an external-device connection section connected to an external device.

9. The noncontact IC card reader of claim 8 being integrated with the personal identification data sampler.

10. The noncontact IC card reader of claim 8 encrypting the personal identification data and transmitting the personal identification data by noncontact communication.

11. The noncontact IC card reader of claim 8, wherein

the personal identification data is a fingerprint.