Electronic settlement system, settlement management device, store device, client device, data storage device, computer program, and storage medium

• US 7,054,845 B2
• Filed: 05/10/2001
• Issued: 05/30/2006
• Est. Priority Date: 05/10/2000
• Status: Expired due to Term

• Current Assignee: Sony Corporation (Sony Group Corp.)
• Original Assignee: Sony Corporation (Sony Group Corp.)
• Inventors: Oshima, Takuya, Honjo, Akira, Arakawa, Shinji, Otsuka, Takeshi
• Primary Examiner(s): Pierre, Elisca
• Assistant Examiner(s): Worjloh, Jalatee
• Application Number:
  US09/852,566
• Publication Number:
  US 20020049662A1
• Time in Patent Office: 1,846 Days
• Field of Search: 705/44, 705 64- 80, 705/26, 705/40, 705/41, 713/150, 713/155, 713/161, 713/176
• US Class Current: 705/78
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• CPC Class Codes: G06Q 50/188 Electronic negotiation
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/60 Digital content management, e.g. content distribution
• CPC Class Codes: H04L 9/3247 : involving digital signatures

Abstract

An effective electronic settlement system in which the number of checks is small. The electronic settlement system includes a data storage device such as an IC card in which value information is stored, a client device provided with an information input/output function to the data storage device, a store device for providing commodities or services, a settlement management device for managing settlement between the data storage device and the store device, and a communication system for connecting the client device, the store device, and the settlement management device so as to enable bidirectional communication. The settlement management device creates, based on settlement request information from the store device, settlement information for making settlement by the data storage device, subjects the settlement information to an encryption processing by using a common key shared by the settlement management device and the data storage device, and transmits the settlement information subjected to the encryption processing to the client device, and the client device outputs the settlement information received from the settlement management device to the data storage device.

Claims

1. An electronic settlement system, comprising:

a data storage device in which value information is stored;

a client device provided with an information input and output function to the data storage device;

a store device for providing at least one of commodities and services;

a settlement management device for managing settlement between the data storage device and the store device; and

a communication system for connecting the client device, the store device, and the settlement management device so as to enable bidirectional communication between the client device, the store device and the settlement management device;

wherein the settlement management device creates, based on settlement request information from the store device, settlement information for making settlement by the data storage device, subjects the settlement information to an encryption processing by using a common key shared by the settlement management device and the data storage device, and transmits the settlement information subjected to the encryption processing to the client device, and wherein the client device outputs the settlement information received from the settlement management device to the data storage device,

wherein the store device creates a first signature indicating validity of the settlement request information by using a private key of the store device, and transmits the settlement request information with the first signature to the settlement management device, and wherein the settlement management device checks validity of the first signature received from the store device by using a public key corresponding to the private key of the store device, and

wherein the settlement management device creates a second signature indicating validity of the settlement information with the first signature by using a private key of the settlement management device, and transmits the settlement information given the second signature and subjected to the encryption processing to the client device, and wherein the client device checks validity of the second signature received from the settlement management device by using a public key corresponding to the private key of the settlement management device, and then outputs the settlement information to the data storage device.

2. An electronic settlement system according to claim 1, wherein the settlement request information with the first signature is transmitted to the settlement management device through the client device.

3. An electronic settlement system according to claim 1, wherein the settlement management device creates settlement completion information, creates a third signature indicating validity of the settlement completion information by using the private key of the settlement management device, and transmits the settlement completion information including the settlement information and given the third signature to the store device, and wherein the store device checks validity of the third signature received from the settlement management device by using the public key corresponding to the private key of the settlement management device.

4. An electronic settlement system according to claim 3, wherein the store device receives the settlement completion information with the third signature, creates settlement completion receipt information with a fourth signature by using a private key of the store device, and transmits the settlement completion receipt information with the fourth signature to the client device, and wherein the settlement management device and the client device check validity of the fourth signature received from the store device by using a public key corresponding to the private key of the store device.

5. An electronic settlement system according to claim 1, wherein the store device is a mall including a plurality of lower store devices.

6. A settlement management device for managing settlement between a data storage device which stores value information and a store device which provides at least one of commodities and services, the settlement management device comprising:

a settlement information creation part for creating, based on settlement request information from the store device, settlement information for making settlement by the data storage device;

a settlement information encryption part for subjecting the settlement information to an encryption processing by using a common key shared by the settlement management device and the data storage device; and

a settlement information output part for outputting the settlement information subjected to the encryption processing to the data storage device through a client device provided with an information input and output function to the data storage device,

wherein the store device creates a first signature indicating validity of the settlement request information by using a private key of the store device, and transmits the settlement request information with the first signature to the settlement management device, and wherein the settlement management device checks validity of the first signature received from the store device by using a public key corresponding the private key of the store device, and

wherein the settlement management device creates a second signature indicating validity of the settlement information with the first signature by using a private key of the settlement management device, and transmits the settlement information given the second signature and subjected to the encryption processing to the client device which can check validity of the second signature by using a public key corresponding to the private key of the settlement management device and output it to the data storage device.

7. A settlement management device according to claim 6, wherein the settlement management device creates settlement completion information, creates a third signature indicating validity of the settlement completion information by using a private key of the settlement management device, and transmits the settlement completion information including the settlement information and given the third signature to the store device which can check validity of the third signature by using a public key corresponding to the private key of the settlement management device.

8. A settlement management device according to claim 7, wherein the store device receives the settlement completion information with the third signature, creates settlement completion receipt information with a fourth signature by using a private key of the store device, and transmits the settlement completion receipt information with the fourth signature to the settlement management device, and wherein the settlement management device checks validity of the fourth signature received from the store device by using a public key corresponding to the private key of the store device.

9. A store device for providing at least one of commodities and services based on settlement made through a settlement management device between the store device and a data storage device storing value information, the store device comprising:

a settlement request information creation part for creating settlement request information;

a settlement information creation part for creating settlement information to make settlement by the data storage device;

an encryption part for encrypting the settlement information using a common key shared by the settlement management device and the data storage device;

a first signature creation part for creating a first signature indicating validity of the settlement request information by using a private key of the store device; and

a settlement information transmission part for transmitting the settlement request information with the first signature to the settlement management device which can check validity of the first signature by using a public key corresponding to the private key of the store device and for transmitting the settlement information subjected to the encryption processing to a client device when the validity of the first signature is verified by the settlement management device, wherein the client device outputs the settlement information received from the settlement management device to the data storage device

wherein the settlement management device creates a second signature indicating validity of the settlement information with the first signature by using a private key of the settlement management device, and transmits the settlement information given the second signature and subjected to the encryption processing to the client device which can check validity of the second signature by using a public key corresponding to the private key of the settlement management device and output it to the data storage device.

10. A store device according to claim 9, wherein the settlement request information with the first signature is transmitted from the store device to the settlement management device through the client device.

11. A store device according to claim 9, wherein the settlement management device creates settlement completion information, creates a third signature indicating validity of the settlement completion information by using a private key of the settlement management device, and transmits the settlement completion information including the settlement information and given the third signature to the store device, and wherein the store device checks validity of the third signature received from the settlement management device by using a public key corresponding to the private key of the settlement management device.

12. A store device according to claim 11, wherein the store device receives the settlement completion information with the third signature, creates settlement completion receipt information with a fourth signature by using the private key of the store device, and transmits the settlement completion receipt information with the fourth signature to the settlement management device and the client device, and wherein the settlement management device and the client device check validity of the fourth signature received from the store device by using the public key corresponding to the private key of the store device.

13. A computer program for causing a computer to function as a store device for providing at least one of commodities and services based on settlement made through a settlement management device between the store device and a data storage device storing value information, wherein the store device includes a settlement request information creation part for creating settlement request information, a settlement information creation part for creating settlement information to make settlement by the data storage device, an encryption part for encrypting the settlement information using a common key shared by the settlement management device and the data storage device, a first signature creation part for creating a first signature indicating validity of the settlement request information by using a private key of the store device, and a settlement request information transmission part for transmitting the settlement request information with the first signature to the settlement management device which can check validity of the first signature by using a public key corresponding to the private key of the store device and for transmitting the settlement information subjected to the encryption processing to a client device when the validity of the first signature is verified by the settlement management device, wherein the settlement management device creates a second signature indicating validity of the settlement information with the first signature by using a private key of the settlement management device, and transmits the settlement information given the second signature and subjected to the encryption processing to the client device which can check validity of the second signature by using a public key corresponding to the private key of the settlement management device and output it to the data storage device.

14. A computer readable storage medium for storing a computer program for causing a computer to function as a store device for providing at least one of commodities and services based on settlement made through a settlement management device between the store device and a data storage device storing value information, wherein the store device includes a settlement request information creation part for creating settlement request information, a first signature creation part for creating a first signature indicating validity of the settlement request information by using a private key of the store device, and a settlement request information transmission part for transmitting the settlement request information with the first signature to the settlement management device which can check validity of the first signature by using a public key corresponding to the private key of the store device, wherein the settlement management device creates a second signature indicating validity of the settlement information with the first signature by using a private key of the settlement management device, and transmits the settlement information given the second signature and subjected to the encryption processing to the client device which can check validity of the second signature by using a public key corresponding to the private key of the settlement management device and output it to the data storage device.

15. A client device provided with an information input and output function to a data storage device used when settlement between a store device for providing at least one of commodities and services and the data storage device storing value information is made through a settlement management device, the client device comprising:

a settlement information receiver part for receiving settlement information which is created by the settlement management device based on settlement request information from the store device and is subjected to an encryption processing by using a common key shared by the settlement management device and the data storage device; and

a settlement information output part for outputting the settlement information received from the settlement management device to the data storage devices,

wherein the store device creates a first signature indicating validity of the settlement request information by using a private key of the store device, and transmits the settlement request information with the first signature to the settlement management device, and wherein the settlement management device checks validity of the first signature received from the store device by using a public key corresponding the private key of the store device, and

wherein the settlement management device creates a second signature indicating validity of the settlement information with the first signature by using a private key of the settlement management device, and transmits the settlement information given the second signature and subjected to the encryption processing to the client device which can check validity of the second signature by using a public key corresponding to the private key of the settlement management device and output it to the data storage device.

16. A data storage device storing value information used when settlement between the data storage device and a store device for providing at least one of commodities and services is made through a settlement management device, comprising a device for inputting settlement information, which is created by the settlement management device based on settlement request information from the store device and is subjected to an encryption processing by using a common key shared by the settlement management device and the data storage device, through a client device provided with an information input and output function to the data storage device,

wherein the store device creates a first signature indicating validity of the settlement request information by using a private key of the store device, and transmits the settlement request information with the first signature to the settlement management device, and wherein the settlement management device checks validity of the first signature received from the store device by using a public key corresponding the private key of the store device, and

wherein the settlement management device creates a second signature indicating validity of the settlement information with the first signature by using a private key of the settlement management device, and transmits the settlement information given the second signature and subjected to the encryption processing to the client device which can check validity of the second signature by using a public key corresponding to the private key of the settlement management device and output it to the data storage device.

17. A data storage device according to claim 16, wherein the data storage device is an IC card.

18. An electronic settlement method in which a client device, a store device, and a settlement management device are connected so as to enable bidirectional communication, the electronic settlement method comprising the steps of:

creating settlement information for making settlement by the data storage device storing value information, based on settlement request information from the store device;

subjecting the settlement information to an encryption processing by using a common key shared by the settlement management device and the data storage device; and

transmitting the settlement information subjected to the encryption processing to the client devices,

wherein the store device creates a first signature indicating validity of the settlement request information by using a private key of the store device, and transmits the settlement request information with the first signature to the settlement management device, and wherein the settlement management device checks validity of the first signature received from the store device by using a public key corresponding the private key of the store device, and

wherein the settlement management device creates a second signature indicating validity of the settlement information with the first signature by using a private key of the settlement management device, and transmits the settlement information given the second signature and subjected to the encryption processing to the client device which can check validity of the second signature by using a public key corresponding to the private key of the settlement management device and output it to the data storage device.

19. An electronic settlement method according to claim 18, wherein the store device creates a first signature indicating validity of the settlement request information by using a private key of the store device, and transmits the settlement request information with the first signature to the settlement management device, and wherein the settlement management device checks validity of the first signature received from the store device by using a public key corresponding to the private key of the store device.