Portable terminal device and method of determining communication permission thereof

• US 9,098,838 B2
• Filed: 01/30/2009
• Issued: 08/04/2015
• Est. Priority Date: 01/30/2008
• Status: Active Grant

• Current Assignee: Kyocera Corporation
• Original Assignee: Kyocera Corporation
• Inventors: Ueno, Yasuhiro, Sakuma, Manabu
• Primary Examiner(s): Trotter, Scott S
• Application Number:
  US12/865,215
• Publication Number:
  US 20100332392A1
• Time in Patent Office: 2,377 Days
• Field of Search: 705/35
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/0658 e-cash managed locally
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• 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 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules

Abstract

A portable terminal device includes a wireless communication unit (103) which receives charging information (payment permission request information), a sub-storage unit (100) which stores electronic money information increased and decreased by the charging information (payment permission request information), and a sub-control unit (102) which performs charging processing based on the charging information (payment permission request information) received by the wireless communication unit (103). The sub-control unit specifies the upper limit of a payable amount or a charging category based on an authentication rate acquired by biometric authentication, determines whether the charging is within the upper limit of a payable amount or whether the charging is in a payable charging category based on the charging information (payment permission request information) acquired by the wireless communication unit, and provides external notification that the charging is not possible when not within the upper limit of the payable amount or when not matching the payable charging category.

Claims

1. A portable terminal device comprising:

a battery;

a biometric sensor configured to acquire biometric information from a user;

a Radio Frequency Identification (RFID) unit which is configured to acquire information;

a condition storage unit which associates each of a plurality of authentication rates with an amount of money, such that a higher one of the plurality of authentication rates is associated with a higher amount of money than a lower one of the plurality of authentication rates; and

a control unit which is configured to

receive the biometric information,

calculate an authentication rate for the biometric information, and,

when the calculated authentication rate is equal to or greater than a lowest one of the plurality of authentication rates, supply power from the battery to the RFID unit, and set a maximum amount of money for a transaction, which is to be conducted via the portable terminal device, to the amount of money associated with the calculated authentication rate in the condition storage unit.

2. The portable terminal device according to claim 1, wherein the RFID unit includes a communication unit which communicates with an external communication device to acquire the information.

3. The portable terminal device according to claim 1, wherein, when the calculated authentication rate is less than the lowest one of the plurality of authentication rates, the control unit requests a re-input of biometric information to the biometric sensor.

4. The portable terminal device according to claim 2, wherein the control unit includes:

a main control unit which is configured to calculate the authentication rate; and

a sub-control unit which is configured to control the communication unit.

5. The portable terminal device according to claim 2, wherein the communication unit performs magnetic field communication using an electromagnetic wave.

6. The portable terminal device according to claim 1, further comprising a charging storage unit which is configured to store electronic money information, wherein the information acquired by the RFID unit is charging request information regarding the electronic money information.

7. The portable terminal device according to claim 1, further comprising a display unit, wherein the control unit causes the display unit to display payment disapproval when the calculated authentication rate is less than the lowest one of the plurality of authentication rates.

8. The portable terminal device according to claim 1, wherein the RFID unit includes an operation unit which is configured to receive a user input to acquire the information.

9. A portable terminal device comprising:

a battery;

a biometric sensor configured to acquire biometric information from a user;

a Radio Frequency Identification (RFID) unit which is configured to acquire charging request information for a transaction, which is to be conducted via the RFID unit, wherein the charging request information comprises a category of charge for the transaction;

a condition storage unit which associates each of a plurality of authentication rates with one or more categories of charges; and

a control unit which is configured to

receive the biometric information,

calculate an authentication rate for the biometric information, and,

when the calculated authentication rate is equal to or greater than a lowest one of the plurality of authentication rates, supply power from the battery to the RFID unit, receive charging request information for a transaction via the RFID unit, and only conduct the transaction if the received charging request information comprises a category of charge that corresponds to the one or more categories of charges associated, in the condition storage unit, with the calculated authentication rate or a lower one of the plurality of authentication rates.

10. A method of controlling a portable terminal device having a memory, a battery, a biometric sensor configured to acquire biometric information from a user, and a Radio Frequency Identification (RFID) unit, the method comprising:

storing, in the memory, each of a plurality of authentication rates in association with an amount of money, such that a higher one of the plurality of authentication rates is associated with a higher amount of money than a lower one of the plurality of authentication rates;

calculating an authentication rate based on biometric information received by the biometric information input unit; and

when the calculated authentication rate is equal to or greater than a lowest one of the plurality of authentication rates, supplying power from the battery to the RFID unit to acquire information via the RFID unit for a transaction to be conducted via the portable terminal device, and setting a maximum amount of money for the transaction to the amount of money associated with the calculated authentication rate.