Electronic settlement system, settlement device, and terminal

• US 7,657,490 B1
• Filed: 08/02/1999
• Issued: 02/02/2010
• Est. Priority Date: 08/02/1999
• Status: Expired due to Fees

• Current Assignee: Kioba Processing, LLC (IP Investments Group LLC), Keiichi Nakajima
• Original Assignee: Softbank BB Corporation (SoftBank Group Corp.)
• Inventors: Nakajima, Keiichi
• Primary Examiner(s): Elisca; Pierre E
• Application Number:
  US09/786,208
• Time in Patent Office: 3,837 Days
• Field of Search: 705/1, 705/75, 705/77, 705/38, 705 64- 67, 705/39, 705/40, 705/53, 705/72
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0603 Catalogue ordering
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: G07F 7/1075 PIN is checked remotely

Abstract

An electronic settlement system for settling a transaction through a communication network comprises a settlement apparatus which performs the settlement of the transaction; a billing terminal connecting to the settlement apparatus via the communication network; and a paying terminal, connecting to the settlement apparatus via the communication network, wherein the settlement apparatus performs the settlement of a transaction by synchronizing a communication to the billing terminal with a communication to the paying terminal when the settlement apparatus sets up a transaction identifying number which identifies the transaction and when the paying terminal transmits the same transaction identifying number to the settlement apparatus.

Claims

1. A transaction system for transacting through a communication network, comprising:

a first terminal connecting to the communication network and having an information indicating unit;

a second terminal that is at least one of a cellular telephone and a PDA and having a unique ID information, an antenna and an input unit, said second terminal being connectable to said first terminal through the communication network with said antenna; and

a transaction apparatus communicating with said first and second terminals through the communication network, said transaction apparatus storing said unique ID information of said second terminal in advance, said transaction apparatus setting up and sending a transaction ID information to said first terminal, said transaction apparatus receiving from said second terminal said unique ID information of said second terminal together with said transaction ID information, said transaction apparatus performing the transaction by synchronizing a communication with said first terminal and said second terminal when said unique ID information received from said second terminal is identical with that stored in said transaction apparatus in advance previously and when said transaction ID information received from said second terminal is identical with that set up by said transaction apparatus and sent to said first terminal,

wherein said first and said second terminals send and receive messages therebetween via the transaction apparatus during synchronizing.

2. A transaction system as claimed in claim 1, wherein said first terminal connects to said transaction apparatus via a commercial telephone line or a private line, and said second terminal connects to said transaction apparatus via a radiotelephone communication.

3. A transaction system as claimed in claim 1, wherein said transaction apparatus presents said transaction ID information on the communication network.

4. A transaction system as claimed in claim 1, wherein said transaction ID information relates to an order in the transaction.

5. A transaction system as claimed in claim 1, wherein said second terminal is a unique terminal for a user and said input unit of said second terminal inputs said unique ID information thereof into said transaction apparatus previously, and said transaction apparatus stores said unique ID information that is inputted by said input unit and said transaction ID information that is set up by said transaction apparatus in association with each other.

6. A transaction system as claimed in claim 1, wherein said information indicating unit of said first terminal further comprises a display or a speaker.

7. A transaction system as claimed in claim 1, wherein said first terminal is a terminal for a plurality of unspecified users and said second terminal is a unique terminal for the user.

8. A transaction system as claimed in claim 1, wherein said transaction apparatus synchronizes the communication with said first terminal and said second terminal one-to-one.

9. A transaction system as claimed in claim 8, further comprising a plurality of first and second terminals, wherein said transaction apparatus sets up a plurality of different transaction ID information each other, based on each instant of the current time, in accordance with each of instruction from each of said first terminal.

10. A transaction system as claimed in claim 1, further comprising a plurality of second terminals and wherein said transaction apparatus synchronizes the communication with said first terminal and said second terminal one-to-many.

11. A transaction system as claimed in claim 10, wherein said transaction apparatus permits said first terminal to perform a function and said transaction apparatus permits said second terminal to perform another function during the synchronization between said first terminal and said second terminal.

12. A transaction system as claimed in claim 11, wherein said transaction apparatus permits a one way communication from said second terminal to said first terminal during the synchronization.

13. A transaction system as in claim 1, wherein the information indicating unit of the first terminal has an infrared transmitting unit.

14. A transaction system as in claim 1, wherein the second terminal has an infrared receiving unit.

15. A transaction system as in claim 1, wherein at least one of the information indicating unit and the input unit is a short-range communicating unit.

16. A transaction apparatus for transaction through a communication network with a first terminal having an information indicating unit and a second terminal that is at least one of a cellular phone and a PDA and having a unique ID information, an indicating unit, and an antenna, said second terminal being connectable to said first terminal through the communication network with said antenna, comprising:

a user database for storing said unique ID information of said second terminal in advance;

a processing unit for setting up a transaction ID information to be indicated on said first terminal,

a first communication unit for connecting to the first terminal via the communication network, said first communication unit sending the transaction ID information to the first terminal; and

a second communication unit for connecting to the second terminal via the communication network and receiving from said second terminal said unique ID information of said second terminal together with said transaction ID information that is transmitted from the first terminal to the second terminal,

wherein said processing unit performs the transaction by synchronizing a communication with said first terminal and said second terminal when said unique ID information received from said second terminal is identical with that stored in said user database, and when said transaction ID information received from said second terminal is identical with that set up by said transaction apparatus and sent to said first terminal, and

wherein said first and said second terminals send and receive messages therebetween via the transaction apparatus during synchronizing.

17. A transaction apparatus as claimed in claim 16, wherein said first communication unit connects to the first terminal via at least one of a commercial telephone line and a private line, and said second communication unit connects to the second terminal via radiotelephone communication.

18. A transaction apparatus as claimed in claim 17, wherein:

said first communication unit receives a purchase amount of the transaction from the first terminal;

said second communication unit transmits said purchase amount to the second terminal so that the second terminal confirms said purchase amount, and receives a final purchase confirmation signal;

said processing unit performs a settlement processing after said second communication unit receives the final purchase confirmation signal from the second terminal;

said first communication unit transmits a settlement completion notification, which notifies completion of the settlement processing performed by said processing unit to the first terminal; and

said second communication unit transmits to the second terminal a receipt which notifies the receiving of said purchase amount of the settlement processed by said processing unit.

19. A transaction apparatus as claimed in claim 18, further comprising a first terminal database storing information about the first terminal,

wherein said first communication unit receives from the first terminal an identifying number to identify the first terminal, and

said processing unit retrieves information about the first terminal from said first terminal database and confirms a registration of the first terminal, based on the identifying number.

20. A transaction apparatus as claimed in claim 19, wherein said second communication unit transmits to the second terminal the information about the first terminal, for the second terminal to confirm the first terminal, retrieved from said first terminal database.

21. A transaction apparatus as claimed in claim 20, wherein the user database is a second terminal database which stores information about the second terminal,

wherein said second communication unit detects a calling telephone number of the second terminal, and

said processing unit retrieves information about a user of the second terminal from said second terminal database based on the calling telephone number, and said processing unit inquires about at least one of a registration status of the user, a payment history of the user, and available amount of the user.

22. A transaction apparatus as claimed in claim 21, wherein said processing unit retrieves at least a part of attribute information of the user of the second terminal from said second terminal database, and said first communication unit transmits to the first terminal at least a part of the attribute information of the user of the second terminal.

23. A transaction apparatus as claimed in claim 21,

wherein

said processing unit synchronizes a communication to the first terminal with a communication to the second terminal, and said first communication unit transmits to the first terminal a synchronization confirmation signal which indicates establishment of synchronization, when the first terminal notifies said transaction identifying number to at least one of the second terminal and a user of the second terminal, and when the second terminal transmits to said transaction apparatus the same transaction ID information.

24. A transaction apparatus as claimed in claim 23, wherein when said second communication unit receives a message which demands a purchase history of the user of the second terminal, said processing unit retrieves said purchase history of the user from said second terminal database, and said second communication unit transmits the purchase history to the second terminal.

25. A transaction apparatus as claimed in claim 16, wherein said transaction apparatus presents said transaction ID information on the communication network.

26. A transaction apparatus as claimed in claim 16, wherein said transaction ID information relates to an order in the transaction.

27. A transaction apparatus as claimed in claim 16, wherein said user database stores said unique ID information that is inputted by said input unit of said second terminal and said transaction ID information that is set up, in association with each other.

28. A transaction apparatus as claimed in claim 16, wherein said processing unit synchronizes the communication with said first terminal and said second terminal one-to-one.

29. A transaction apparatus as claimed in claim 28, further comprising a plurality of first and second terminals, wherein said processing unit sets up a plurality of transaction ID information different from each other, based on each instant of the current time, in accordance with each instruction from each of said first terminals.

30. A transaction apparatus as claimed in claim 16, wherein said processing unit permits said first terminal to perform a function and said transaction apparatus permits said second terminal to perform another function during the synchronization.

31. A transaction apparatus as claimed in claim 30, wherein said processing unit permits a one way communication from said second terminal to said first terminal during the synchronization.

32. A transaction apparatus as in claim 16, wherein the information indicating unit of the first terminal has an infrared transmitting unit.

33. A transaction apparatus as in claim 16, wherein the second terminal has an infrared receiving unit.

34. A transaction apparatus as in claim 16, wherein at least one of first terminal and the second terminal has a short-range communicating unit.

35. A recording medium which stores a program for a computer for a transaction system including a first terminal, a second terminal that is at least one of a cellular phone and a PDA, and a transaction apparatus communicating with said first and second terminal through a communication network, said first terminal having an information indicating unit, said second terminal having a unique ID information, an antenna and an input unit, and said second terminal being connectable to said first terminal through the communication network with the antenna, the recording medium comprising:

a storing module which stores said unique ID information of said second terminal in said transaction apparatus;

a connecting module which connects said first terminal with said transaction apparatus through the communication network;

a setting up module which sets up a transaction ID information in said transaction apparatus;

a sending module which sends said transaction ID information to said first terminal;

an indicating module for indicating said transaction ID information in said indicating unit of said first terminal;

an inputting module which inputs said transaction ID information to said input unit of said second terminal;

a receiving module which receives from said second terminal said unique ID information of said second terminal together with said transaction ID information indicated on said information indicating unit of said first terminal; and

a performing module which performs the transaction by synchronizing a communication with said first terminal and said second terminal when said unique ID information received from said second terminal is identical with that stored in said transaction apparatus and when said transaction ID information received from said second terminal is identical with that set up by said transaction apparatus and sent to said first terminal,

wherein said first and said second terminals send and receive messages therebetween via the transaction apparatus during synchronizing.

36. A recording medium as in claim 35, wherein the indicating unit of the first terminal has an infrared transmitting unit.

37. A recording medium as in claim 35, wherein the second terminal has an infrared receiving unit.

38. A recording medium as in claim 35, wherein at least one of the indicating unit and the input unit is a short-range communicating unit.

39. A recording medium which stores a program for a computer for a transaction apparatus for transacting through a communication network with a first terminal that is a vending machine having an information indicating unit and a second terminal that is at least one of a cellular phone and a PDA and having unique ID information and an antenna, said second terminal being connectable to said first terminal through the communication network with said antenna, comprising:

a storing module which stores said unique ID information of said second terminal in advance;

a setting up module which sets up a transaction ID information to be indicated on said first terminal;

a first connecting module which connects to the first terminal via said communication network;

a second connecting module which connects to the second terminal via said communication network;

a receiving module which receives from said second terminal said unique ID information of said second terminal together with said transaction ID information inputted through said second terminal; and

a performing module which performs the transaction by synchronizing a communication with said first terminal and said second terminal when said unique ID information received from said second terminal is identical with that stored in said user database and when said transaction ID information received from said second terminal is identical with that set up by said transaction apparatus and sent to said first terminal,

wherein said first and said second terminals send and receive messages therebetween via the transaction apparatus during synchronizing.

40. A recording medium as in claim 39, wherein the information indicating unit of the first terminal has an infrared transmitting unit.

41. A recording medium as in claim 39, wherein the second terminal has an infrared receiving unit.

42. A recording medium as in claim 39, wherein at least one of the information indicating unit and the second terminal has a short-range communicating unit.