Net shopping method, system therefor, and automatic payment transfer device

• US 7,319,978 B2
• Filed: 03/23/2001
• Issued: 01/15/2008
• Est. Priority Date: 11/22/2000
• Status: Expired due to Fees

• Current Assignee: Fujitsu Limited
• Original Assignee: Fujitsu Limited
• Inventors: Minamishin, Hayato, Abe, Tsuyoshi, Arai, Koji
• Primary Examiner(s): Rosen; Nicholas D.
• Application Number:
  US09/815,052
• Publication Number:
  US 20020062257A1
• Time in Patent Office: 2,489 Days
• Field of Search: 705/26, 705/64, 455/406, 455/506
• US Class Current: 705/26.81
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/0635 Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/208 Use of an ATM as a switch or hub

Abstract

The present invention relates to a Net shopping method for performing Net shopping through the Internet with a portable terminal. The user freely makes product selections (Net shopping) at any time and place using a portable terminal 2. When the user proposes to conduct a transaction, transaction proposal information, payee information, and the amount of money are automatically sent from the Net shopping site to the portable terminal 2 and stored in the internal memory 22. Next, the user takes the portable terminal 2 to the automatic payment transfer device 4, connects the portable terminal to the payment transfer device 4, and transfers the internal data to the payment transfer device 4. The user can perform payment transfer operations with the payment transfer device 4 based on the order acceptance data. Thus the payment transfer process can be performed safely and with a simple operation.

Claims

1. A Net shopping method, comprising:

performing Net shopping through the Internet employing a portable terminal to place a product order and storing order acceptance data corresponding to the order in a memory of the portable terminal;

transferring said order acceptance data from said portable terminal to an automatic payment transfer device of a financial system upon the portable terminal being connected via an interface to the automatic payment transfer device at a location of the automatic payment transfer device;

operating said automatic payment transfer device to perform payment transfer operations; and

performing payment transfer processing using contents of said payment transfer operations and said order acceptance data with said financial system, wherein;

said operating said automatic payment transfer device comprises providing payment transfer operation guidance by said automatic payment transfer device that performs payment transfer process according to an operation of said payment transfer by a user, said payment transfer operation guidance including a selection menu by which a user selects payment transfer by the portable terminal, and sending the payment transfer data according to the payment transfer operations and said transferred order acceptance data through a dedicated line to a host computer of said financial system, and

said performing payment transfer processing comprises performing the payment transfer processing of said payment transfer data by said host computer.

2. The Net shopping method according to claim 1, wherein said performing Net shopping comprises:

accessing a Net shopping site hosted by a server through said Internet from said portable terminal;

sending product order data to said server; and

sending order acceptance data, corresponding to said product order, from said server to said portable terminal and storing said order acceptance data in a memory of the portable terminal.

3. The Net shopping method according to claim 2, wherein

said sending order acceptance data comprises sending said order acceptance data including payee information for said ordered product.

4. The Net shopping method, according to claim 1, wherein said transferring comprises transferring said order acceptance data from said portable terminal to the automatic payment transfer device of the financial system in response to the pressing of a send key of said portable terminal.

5. A Net shopping method, comprising:

performing Net shopping through the Internet employing a portable terminal to place a product order and storing order acceptance data corresponding to the order in a memory of the portable terminal;

transferring said order acceptance data from said portable terminal to an automatic payment transfer device of a financial system upon the portable terminal being connected via an interface to the automatic payment transfer device at a location of the automatic payment transfer device; and

operating said payment transfer processing using contents of said payment transfer operations and said order acceptance data with said financial system, wherein;

said operating said automatic payment transfer device comprises providing payment transfer operation guidance by said automatic payment transfer device that performs payment transfer process according to an operation of said payment transfer by a user, said payment transfer operation guidance including a selection menu by which a user selects payment transfer by the portable terminal, and sending the payment transfer data according to the payment transfer operations and said transferred order acceptance data through a dedicated line to a host computer of said financial system, and

said performing payment transfer processing comprises performing the payment transfer processing of said payment transfer data by said host computer and notifying a payee.

6. The Net shopping method, according to claim 5, wherein said operating said payment transfer device comprises:

receiving said order acceptance data from said portable terminal;

displaying said order acceptance data; and

prompting a user to input the payment transfer contents to generate said payment transfer data.

7. A Net shopping system comprising:

a server hosting a Net shopping site and sending order acceptance data to a portable terminal, corresponding to Net shopping ordered through the Internet from said portable terminal by a user;

an automatic payment transfer device receiving said order acceptance data from said portable terminal and sending payment transfer data according to payment transfer operations based on said order acceptance data of a user; and

a host computer connected to said automatic payment transfer device and receiving the payment transfer data from said automatic payment transfer device and performing payment transfer processing, wherein;

said automatic payment transfer device provides payment transfer operation guidance, said payment transfer operation guidance including a selection menu by which a user selects payment transfer by the portable terminal, and sends the payment transfer data according to payment transfer operations carried out by the user and said received order acceptance data through a dedicated line to said host computer,

said host computer performs the payment transfer processing of said payment transfer data, and

said automatic payment transfer device has an interface communicating with said portable terminal at a location of the automatic payment transfer device.

8. The Net shopping system, according to claim 7, wherein said server receives the product order data corresponding to the access to said Net shopping site through said Internet from said portable terminal, and sends order acceptance data corresponding to said product order through said Internet to said portable terminal.

9. The Net shopping system, according to claim 8, wherein said server sends said order acceptance data, including payee information for said ordered product, to said portable terminal.

10. The Net shopping system, according to claim 7, wherein said automatic payment transfer device receives said order acceptance data, from said portable terminal in response to the pressing of a send key of said portable terminal.

11. A Net shopping system, comprising:

a server hosting a Net shopping site and sending order acceptance data to a portable terminal, corresponding to Net shopping ordered through the Internet from said portable terminal;

an automatic payment transfer device receiving said order acceptance data from said portable terminal and sending payment transfer data according to payment transfer operations based on said order acceptance data of a user; and

a host computer connected to said automatic payment transfer device and receiving the payment transfer data from said automatic payment transfer device and performing payment transfer processing, wherein;

said automatic payment transfer device provides payment transfer operation guidance, said payment transfer operation guidance including a selection menu by which a user selects payment transfer by the portable terminal, and sends the payment transfer data according to the users payment transfer operations and said order acceptance data through a dedicated line to said host computer,

said host computer performs the payment transfer processing of said payment transfer data and notifies a payee, and

said automatic payment transfer device has an interface communicating with said portable terminal at a location of the automatic payment transfer device.

12. The Net shopping system, according to claim 11, wherein said automatic payment transfer device receives said order acceptance data from said portable terminal, displays said order acceptance data, prompts the user to input the payment contents, and generates said payment transfer data.

13. An automatic payment transfer device, comprising:

operation guidance means for guiding payment transfer operations of a user and carrying out the payment transfer operations of the user;

a control unit receiving order acceptance data according to a shopping session conducted over the internet from a portable terminal, providing the payment transfer operation guidance, said payment transfer operation guidance including a selection menu by which a user selects payment transfer by the portable terminal, and sending payment transfer data through a dedicated line according to the user'"'"'s payment transfer operations and said received order acceptance data to a host computer for performing a payment transfer process; and

an interface communicating with said portable terminal at a location of the automatic payment transfer device.

14. The automatic payment transfer device, according to claim 13, wherein said control unit receives said order acceptance data from said portable terminal, displays said order acceptance data, prompts the user to input transfer contents, and generates said payment transferred data.

15. The automatic payment transfer device, according to claim 13, further comprising a connecting portion for connecting with said portable terminal.

16. The automatic payment transfer device, according to claim 15, wherein said connecting portion comprises a housing portion for housing said portable terminal.

17. The automatic payment transfer device, according to claim 13, wherein said control unit displays said received order acceptance data on the operation guidance portion so that a subject of said payment transfer is selected.

18. The automatic payment transfer device, according to claim 13, wherein said control unit displays a screen for selecting a method of said payment transfer;

receives the order acceptance data according to the shopping session conducted over the internet from the portable terminal when said portable terminal is indicated as said payment transfer method; and

performs payment transfer operations based on said order acceptance data.

19. A shopping payment method, comprising:

ordering through a mobile device a product offered for sale via a web site of a retailer and storing information regarding the order in the mobile device; and

paying for the ordered product by physically connecting the mobile device to an automatic payment transfer device with the information regarding the order stored in the mobile device being transferred to the automatic payment transfer device, the information further transferred to a host computer for processing of a payment between a financial institution of a purchaser and the financial Institution of the retailer.