Mobile electronic commerce system

• US 7,991,694 B2
• Filed: 12/29/2008
• Issued: 08/02/2011
• Est. Priority Date: 08/13/1997
• Status: Expired due to Fees

• Current Assignee: Intertrust Technologies Corporation (Fidelio Acquisition Co LLC)
• Original Assignee: Matsushita Electric Industrial Company Limited (Panasonic Holdings Corporation)
• Inventors: Takayama, Hisashi
• Primary Examiner(s): Gart, Matthew S
• Assistant Examiner(s): CRAWLEY, TALIA F
• Application Number:
  US12/318,419
• Publication Number:
  US 20090125429A1
• Time in Patent Office: 946 Days
• Field of Search: 705/26, 705/41
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/045 using payment protocols involving tickets
• 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 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: G07F 9/001 Interfacing with vending machines using mobile or wearable devices
• CPC Class Codes: G07F 9/002 Vending machines being part of a centrally controlled network of vending machines

Abstract

The objective of the present invention is to provide a mobile electronic commerce system that is superior in safety and usability. The mobile electronic commerce system comprises an electronic wallet 100, supply sides 101, 102, 103, 104 and 105, and a service providing means 110 that is connected by communication means. The service providing means installs a program for an electronic ticket, an electronic payment card, or an electronic telephone card. The electronic wallet employs the installed card to obtain a product or a service or entrance permission. The settlement process is performed by the electronic wallet and the supply side via the communication means, and data obtained during the settlement process are managed by being transmitted to the service providing means at a specific time. A negotiable card can be easily obtained, and when the negotiable card is used the settlement process can be quickly and precisely performed.

Claims

1. A mobile user terminal for use in an electronic commerce system, said electronic commerce system comprising at least the mobile user terminal, a service providing system and an examination terminal, said mobile user terminal comprising:

a remote communication section that communicates with said service providing system via public wireless communication equipment;

a local communication section that communicates with said examination terminal by proximity wireless communication equipment;

an acquisition section configured to transmit, via said remote communication section, a request for electronic value card information to the service providing system and configured to receive the electronic value card information from the service providing system, said electronic value card information including at least a first key data differing for each type of the electronic value card information and a second key data differing for each type of the electronic value card information;

a mutual authentication section configured to exchange messages, via said local communication section, with the examination terminal to execute a first process authenticating the examination terminal and at same time to exchange messages as a part of a second process for authentication by the examination terminal,

wherein in the first process authenticating the examination terminal, the mutual authentication section is configured;

to encrypt first data with the first key data included in said electronic value card information

to transmit a message including said encrypted first data to the examination terminal

to receive a first response from the examination terminal

to collate the response with said first data,

wherein in the second process authenticated by the examination terminal, the mutual authentication section is configured

to decrypt encrypted second data received from the examination terminal with the second key data included in said electronic value card information and

to transmit a second response including said second data to the examination terminal.

2. The mobile user terminal according to claim 1, the electronic value card information further including variable value data and the mobile user terminal further comprising an update section that updates the variable value data included in said electronic value card information in accordance with an instruction received from the examination terminal after the mutual authentication section authenticates the examination terminal successfully.

3. A secure transaction method performed by a mobile user terminal in an electronic commerce system, said electronic commerce system comprising at least the mobile user terminal, a service providing system and an examination terminal, said method comprising:

generating a request for electronic value card information and transmitting the request to the service providing system, via public wireless communication equipment;

receiving the electronic value card information from the service providing system, said electronic value card information including at least first key data differing for each type of the electronic value card information and second key data differing for each type of the electronic value card information;

transmitting, by proximity wireless communication equipment, a message to the examination terminal and executing a first process authenticating the examination terminal on receipt of a first response from the examination terminal and at same time executing a second process for authentication by the examination terminal and transmitting a second response to the examination terminal,

wherein in the first process authenticating the examination terminal, the mobile user terminal is configured;

to encrypt first data with the first key data included in said electronic value card information,

to transmit a message including said encrypted first data to the examination terminal,

to receive the first response from the examination terminal and

to collate the first response with said first data,

wherein in the second process authenticated by the examination terminal, the mobile user terminal is configured;

to decrypt encrypted second data received from the examination terminal with the second key data included in said electronic value card information and

to transmit the second response including said second data to the examination terminal.

4. A secure transaction method performed by a mobile user terminal in an electronic commerce system, said electronic commerce system comprising at least the mobile user terminal, a service providing system and an examination terminal, said method comprising:

generating a request for electronic value card information and, via public wireless communication equipment, transmitting the request to the service providing system;

receiving the electronic value card information from the service providing system, said electronic value card information including at least first key data differing for each type of the electronic value card information and second key data differing for each type of the electronic value card information and variable value data;

transmitting, by proximity wireless communication equipment, a message to the examination terminal and executing a first process authenticating the examination terminal on receipt of a first response from the examination terminal and at same time executing a second process for authenticating the mobile user terminal by the examination terminal;

updating the variable value data included in said electronic value card information in accordance with an instruction received from the examination terminal and transmitting a second response to the examination terminal if the first process authenticating the examination terminal is successfully executed,

wherein in the first process authenticating the examination terminal, the mobile user terminal configured

to encrypt a first data with the first key data included in said electronic value card information,

to transmit a message including said encrypted first data to the examination terminal,

to receive the first response from the examination terminal and

to collate the first response with said first data,

wherein in the second process authenticated by the examination terminal, the mobile user terminal is configured

to decrypt encrypted second data received from the examination terminal with the second key data included in said electronic value card information and

to transmit the second response including said second data to the examination terminal.