Personal electronic settling system and a terminal and control apparatus therefor

• US 7,664,697 B2
• Filed: 09/25/2001
• Issued: 02/16/2010
• Est. Priority Date: 11/14/1996
• Status: Expired due to Fees

• Current Assignee: Apple Inc.
• Original Assignee: Panasonic Corporation (Panasonic Holdings Corporation)
• Inventors: Takayama, Hisashi
• Primary Examiner(s): Borlinghaus, Jason M
• Assistant Examiner(s): Kramer, James A.
• Application Number:
  US09/960,923
• Publication Number:
  US 20020194121A1
• Time in Patent Office: 3,066 Days
• Field of Search: 705/39
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• 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 20/363 with the personal data of a user
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• 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

According to the present invention provided is an accounting means that is superior in safety and usability. The accounting means comprises: payment means including a plurality of systems of communication means; charging means including a plurality of systems of communication means; and settlement means including a plurality of systems of communication means. Since the payment means and the settlement means exchange transaction data by communicating with each other, it is possible to prevent the assessment of an illegal charge by the charging means. In addition, since a signature (a digital signature) and an accounting statement are exchanged by communication between the payment means and the charging means, the efficiency of the sale can be improved.

Claims

1. A personal electronic settlement system comprising:

a payment section, a charging section, and a service providing section;

said charging section

a) configured to receive first data, from said payment section, said first data including information indicating a type of payment method selected by a user of said payment section and does not include identification information of the user;

b) configured to generate and transmit a second data, based on information in the first data, to said payment section data requesting a payment, said second data including identification information of said service providing section;

c) configured to generate and transmit a third data, based on information in the first data to said service providing section, said third data requesting a settlement processing;

said payment section

d) configured to generate and transmit to said charging section said first data;

e) configured to receive said second data from said charging section;

f) configured to access said service providing section specified by the identification information of said service providing section included in said second data;

g) configured to authenticate said service providing section; and

h) configured to generate and transmit fourth data to said service providing section, said fourth data requesting a payment processing if the authentication of said service providing section is successful; and

said service providing section being

i) configured to separately receive said third data from said charging section and said fourth data from said payment section;

j) configured to collate said third data and said fourth data; and

k) configured to perform settlement processing.

2. A personal electronic settlement system comprising:

a charging device, a payment device, and a service providing device;

said charging device including;

a receiving unit configured to receive first data, said first data including information indicating a type of payment method selected by a user of said payment device, and excluding identification information of the user;

a generating unit configured to generate second data based on the type of payment method included in the first data, said second data including identification information of said service providing device, and configured to generate a third data based on the type of payment method included in the first data, said third data including information requesting a settlement processing; and

a transmitting unit configured to transmit the second data to said payment device and the third data to said service providing device;

said payment device including;

receiving unit configured to receive the second data from charging device;

a generating unit configured to generate the first data offering the payment, and configured to generate a fourth data requesting a payment processing if an authentication of said service providing device is successful; and

an authenticating unit configured to authenticate said service providing unit based on the identification information of said service providing device included in the second data;

a transmitting unit configured to transmit the fourth data to said service providing device; and

said service providing device including;

a receiving unit configured to receive the third data from said charging device and said fourth data from said payment device;

a collating unit configured to collate said third data from the charging device and said fourth data from the payment device; and

a performing unit configured to perform settlement processing if said collation in the collating unit is successful.

3. The charging device according to claim 2, wherein:

said first data includes a request number set by said payment device for uniquely indicating said payment processing;

said second data includes a transaction number set by a CPU of said charging device for uniquely indicating said payment processing; and

said third data includes a request number and a transaction number.

4. The service providing device according to claim 2, wherein:

said second data includes identification information of a user of said payment device; and

a CPU is operable to specify the account information of the payment source based on the identification information of the user of said payment device included in the received second data, and is operable to perform settlement processing, and to generate and transmit a third data to said charging device, the third data notifying of the completion of the settlement processing, the third data not including specified payment source account information, and keeps said specified payment source account information from said charging device.

5. The service providing device according to claim 2, wherein:

said first data includes identification information of said settlement processing between said payment device and said charging device;

said second data includes identification information of said settlement processing between said payment device and said charging device; and

a CPU is operable to collate said identification information of settlement processing included in said first data and said second data and to specify a pair of said first data and said second data corresponding to each other based on the collated identification information of said settlement processing from the received data from the plurality of payment devices and the plurality of charging devices and is operable to perform settlement processing if said collation and said specification are successful.

6. The service providing device according to claim 5, wherein:

said identification information of settlement processing is based on a request number set by said payment device for uniquely indicating said settlement processing and a transaction number set by said charging device for uniquely indicating said settlement processing.

7. The service providing device according to claim 2, wherein the service providing device:

is operable to receive receipt information, the receipt information not including the identification information of the user of said payment device, from said charging device after completing said settlement processing, generates and transmits to said payment device receipt data, the receipt data including the identification information of the user of said payment device, based on the received said receipt information.

8. A settlement processing method for performing settlement processing between a payment device and a charging device via a service providing device, the settlement processing method comprising:

generating a first data including information indicating a type of payment method selected by a user of said payment device, and not including identification information of the user;

receiving the first data from said payment device in said charging device;

generating a second data, in said charging device, based on the type of payment method included in the first data, said second data including identification information of said service providing device;

generating a third data, in said charging device, based on the type of payment method included in the first data, said third data including information requesting a settlement processing;

transmitting the second data from the charging device to said payment device;

transmitting the third data from the charging device to said service providing device;

receiving the second data in the payment device from the charging device;

generating a fourth data in payment device, said fourth data requesting a payment processing if an authentication of said service providing device is successful;

authenticating said service providing unit based on the identification information of said service providing device included in the second data;

transmitting the fourth data from said payment device to said service providing device after the authentication is successful;

receiving the third data from said charging device in said service providing device;

receiving the fourth data from said payment device in said service providing device;

collating said third data from the charging device and said fourth data and said fourth data from the payment device; and

performing settlement processing if said collation in the collating unit is successful.