Private electronic value bank system

• US 7,865,431 B2
• Filed: 11/07/2001
• Issued: 01/04/2011
• Est. Priority Date: 11/08/2000
• Status: Active Grant

• Current Assignee: Panasonic Corporation (Panasonic Holdings Corporation)
• Original Assignee: Panasonic Corporation (Panasonic Holdings Corporation)
• Inventors: Isogawa, Takao, Kawaguchi, Kyoko, Takayama, Hisashi
• Primary Examiner(s): Hamilton, Lalita M
• Application Number:
  US10/416,065
• Publication Number:
  US 20040103063A1
• Time in Patent Office: 3,345 Days
• Field of Search: 705/35, 705/39
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• 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

To make an electronic value usable for both service on a network and service in the real world while ensuring security, convenience and economical efficiency, the electronic value issued for a user is controlled on an electronic wallet of a private electronic value bank, the electronic value controlled on the electronic wallet of a bank is cached in a mobile electronic wallet on a smart card of a user'"'"'s portable terminal 5, and the electronic wallet is linked such that it is operated via the network when the mobile electronic wallet is operated. When the electronic value on the smart card is used for the service provided in a real environment such as a ticket gate of a train station, on-line transaction does not occur every time it is used, but the electronic wallet of the bank is updated when the portable terminal and the bank communicate later.

Claims

1. An electronic value system, comprising:

a portable terminal;

an electronic value issuing server, which issues an electronic value; and

an electronic wallet section, which stores different types of electronic value,

wherein said portable terminal comprises,

an electronic value issue request transmitting section, which transmits an electronic value issue request to said electronic value issuing server,

a first electronic value receiving section, which receives the electronic value from said electronic wallet section, and

a first electronic value storing section, which stores the different types of electronic value received by said first electronic value receiving section,

said electronic value issuing server comprises,

an electronic value issue request receiving section, which receives an electronic value issue request from said portable terminal, and

an electronic value issuing section, which transmits the electronic value to said electronic wallet section based on the electronic value issue request,

said electronic wallet section comprises,

a second electronic value receiving section, which receives the electronic value transmitted from the electronic value issuing server,

a second electronic value storing section, which stores the electronic value received by said second electronic value receiving section, and

an electronic value transmitting section, which transmits a duplicate of the electronic value stored in said second electronic value storing section to said portable terminal, and

said first electronic value storing section is linked to said electronic wallet section for corresponding one-to-one with said second electronic value storing section,

said electronic value issue request transmitting section includes identification information of said electronic wallet section in the electronic value issue request,

said electronic value issuing section transmits the electronic value to the electronic wallet section specified by said identification information,

said second electronic value storing section stores the electronic value transmitted from said electronic value issuing section and said electronic value transmitting section transmits a duplicate of said electronic value to said portable terminal, and

said first electronic value storing section stores said duplicate of said electronic value transmitted from said electronic wallet section.

2. The electronic value system according to claim 1, wherein

said electronic value issue request transmitting section includes encrypted information for instructing acquisition of electronic value in the electronic value issue request,

said electronic value issuing section transmits said encrypted information for instructing acquisition of electronic value to said electronic wallet section specified by said identification information, and

said second electronic value receiving section decrypts said encrypted information for instructing acquisition of electronic value, and receives the electronic value from said electronic value issuing section based on said information for instructing acquisition of electronic value.

3. The electronic value system according to claim 1 or 2, wherein

said electronic value issue request transmitting section includes encrypted information for instructing settlement of payment for electronic value in the electronic value issue request,

said electronic value issuing section transmits said encrypted information for instructing settlement of payment for electronic value to said electronic wallet section specified by said identification information, and

said second electronic value receiving section decrypts said encrypted information for instructing settlement of payment for electronic value, and processes the settlement of payment for the electronic value with said electronic value issuing server based on said information for instructing settlement of payment for electronic value.

4. The electronic value system according to claim 1, wherein

said electronic wallet section further comprises,

an electronic value updating section, which updates the electronic value, and

a managing section for electronic value, which manages the electronic value stored by said first electronic value storing section, and

in cases where said electronic wallet section receives a update request of electronic value from said electronic value issuing server,

said electronic value updating section updates the electronic value stored by said second electronic value storing section, and

said managing section for electronic value further updates the electronic value stored by said first electronic value storing section.

5. The electronic value system according to claim 1, wherein

said electronic wallet section further comprises,

a movement controlling section for electronic value, which controls transfer of the electronic value between the electronic wallet section, and

a second managing section for electronic value, which manages the electronic value stored by said first electronic value storing section, and

in cases where said electronic wallet section receives a transfer request of electronic value stored by said second electronic value storing section from said portable terminal,

said movement controlling section for electronic value moves the electronic value stored by said received electronic value storing section to another electronic wallet section, and

said second managing section for electronic value deletes the electronic value stored by said first electronic value storing section.

6. A portable terminal, comprising:

an electronic value issue request transmitting section, which transmits an electronic value issue request to an electronic value issuing server, which issues an electronic value,

an electronic value receiving section;

which receives the electronic value from an electronic wallet section, which stores different types of electronic value, and

an electronic value storing section, which is linked to said electronic wallet section which corresponds one-to-one with the second electronic value storing section on said electronic wallet section, and stores the electronic value received by said electronic value receiving section, wherein

said electronic value issue request transmitting section includes identification information of said electronic wallet section in the electronic value issue request, and

said electronic value receiving section receives the electronic value, which is a duplicate of the electronic value, which is transmitted from said electronic value issuing server based on the electronic value issue request and is stored in the second electronic value storing section from said electronic wallet section and said electronic value storing section stores said received electronic value.

7. The portable terminal according to claim 6, wherein

said electronic value issue request transmitting section includes encrypted information for instructing acquisition of electronic value to said electronic wallet section in the electronic value issue request.

8. The portable terminal according to claim 6 or 7, wherein

said electronic value issue request transmitting section includes encrypted information for instructing settlement of payment for electronic value to said electronic wallet section in the electronic value issue request.

9. A smart card, which is to be attached to a portable terminal, comprising:

an electronic value issue request transmitting section, which transmits an electronic value issue request to an electronic value issuing server via said portable terminal,

an electronic value receiving section, which receives the electronic value from an electronic wallet section storing different types of electronic value online via said portable terminal, and

an electronic value storing section, which is linked to said electronic wallet section which corresponds one-to-one with the second electronic value storing section existing on said electronic wallet section, and stores the electronic value received by said electronic value receiving section, wherein

said electronic value issue request transmitting section includes identification information of said electronic wallet section in the electronic value issue request, and

said electronic value receiving, section receives the electronic value, which is a duplicate of the electronic value, which is transmitted from said electronic value issuing server bases on the electronic value issue request and is stored in the second electronic value storing section, from said electronic wallet section and said electronic value storing section stores said received electronic value.

10. The smart card according to claim 9, wherein

said electronic value issue request transmitting section further includes encrypted information for instructing acquisition of electronic value to said electronic wallet section in the electronic value issue request.

11. The smart card according to claim 9 or 10, wherein

said electronic value issue request transmitting section further includes encrypted information for instructing settlement of payment for electronic value to said electronic wallet section in the electronic value issue request.