Electronic money system and electronic money terminal

• US 9,787,646 B2
• Filed: 01/17/2008
• Issued: 10/10/2017
• Est. Priority Date: 02/09/2000
• Status: Active Grant

• Current Assignee: Sony Corporation (Sony Group Corp.)
• Original Assignee: Sony Corporation (Sony Group Corp.)
• Inventors: Takeshima, Yasuo, Kubono, Fumio, Abe, Hiroshi, Omori, Kazuo, Tsuyama, Fumio, Nakayama, Hiroshi
• Primary Examiner(s): Kazimi, Hani M
• Application Number:
  US12/007,952
• Publication Number:
  US 20090271314A1
• Time in Patent Office: 3,554 Days
• Field of Search: 705 41
• 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 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/305 using wired telephone networks
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G07F 7/084 Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 63/0428 wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 63/0869 for achieving mutual authentication cryptographic mechanisms or cryptographic arrangements for mutual authentication H04L9/3273
• CPC Class Codes: H04L 63/126 the source of the received data
• CPC Class Codes: H04M 17/10 Account details or usage
• CPC Class Codes: H04M 17/106 using commercial credit or debit cards
• CPC Class Codes: H04W 88/02 Terminal devices
• CPC Class Codes: Y04S 40/20 Information technology specific aspects, e.g. CAD, simulation, modelling, system security

Abstract

An electronic money system terminates communication to a management center indistinguishably from a case in which the communication to the management center is completed within a predetermined period when it is impossible to complete the communication to the management center within the predetermined period. By switching an operation mode, a predetermined portable terminal is used instead of a communication line to upload and download data. When it is impossible to obtain data required for processing through the communication line, processing is performed based on data possessed up until that time.

Claims

1. An electronic money transaction processing method, wherein:

a first communication link is an electronic connection between a terminal apparatus and a management center, a first communication being an electronic transmission of data over the first communication link,

a second communication link is an electronic connection between the terminal apparatus and a portable terminal, a second communication being an electronic transmission of the data over the second communication link,

a third communication link is an electronic connection between the portable terminal and the management center, a third communication being an electronic transmission of the data over the third communication link, and

a line malfunction is an absence or degradation of the first communication link,

the method comprising;

performing the first communication during a nonexistence of the line malfunction, the first communication electronically transmitting the data between the management center and the terminal apparatus;

performing the second and third communications during an existence of the line malfunction, the second and third communications electronically transmitting the data between the management center and the terminal apparatus;

receiving electronic money from an electronic device, the terminal apparatus electronically receiving the electronic money; and

using the data and the electronic money to process an electronic money transaction;

transmitting a payment record of the electronic money transaction to the management center, the payment record being used to update the payment information stored in the management center,

wherein the data from the management center includes payment information, the terminal apparatus being a store terminal,

wherein the portable terminal encrypts the payment record when the line malfunction is present.

2. An electronic money transaction processing method comprising:

a first communication step of electronically transmitting data between a management center and a terminal apparatus, the first communication step being performed during a nonexistence of a line malfunction;

a second communication step of electronically transmitting the data between the terminal apparatus and an interface terminal, the second communication step being performed during an existence of the line malfunction;

a third communication step of electronically transmitting the data between the interface terminal and the management center, the third communication step being performed during the existence of the line malfunction;

wherein the line malfunction is an absence or degradation of a communication link, the communication link being an electronic connection between the terminal apparatus and the management center;

a reception step of receiving electronic money, the terminal apparatus performing the reception step to electronically receive the electronic money from an electronic device;

an encryption step of encrypting the data, the interface terminal performing the encryption step during the existence of the line malfunction.

3. The electronic money transaction processing method according to claim 2, wherein the interface terminal is a portable terminal.

4. The electronic money transaction processing method according to claim 2, wherein the absence of the communication link occurs when the communication of the data over the communication link is non-practicable.

5. The electronic money transaction processing method according to claim 2, wherein the degradation of the communication link occurs when a transfer rate of the data transmitted over the communication link is reduced.

6. The electronic money transaction processing method according to claim 2, wherein the electronic device is an IC card or a cellular phone.

7. The electronic money transaction processing method according to claim 2, further comprising:

a step of using the data and the electronic money to process an electronic money transaction.

8. The electronic money transaction processing method according to claim 7, further comprising:

adjusting an amount of the electronic money stored in the electronic device, the amount of the electronic money stored in the electronic device being adjusted by an amount of the electronic money transaction.

9. The electronic money transaction processing method according to claim 7, wherein the electronic money transaction is a payment made for a commodity or service.

10. The electronic money transaction processing method according to claim 7, wherein the terminal apparatus records the electronic money transaction in the electronic device.

11. The electronic money transaction processing method according to claim 7, wherein the data includes an invalidity list, the invalidity list identifying devices that are prohibited from being used in the electronic money transaction.

12. The electronic money transaction processing method according to claim 11, wherein the electronic money transaction is not processed when the electronic device is listed on the invalidity list.

13. The electronic money transaction processing method according to claim 7, further comprising:

a transmitting step of outputting a payment record of the electronic money transaction to the management center, the payment record being including in the data.

14. The electronic money transaction processing method according to claim 13, wherein the payment record is used to update the payment information stored in the management center.

15. The electronic money transaction processing method according to claim 13, wherein the terminal apparatus uploads the payment record to the management center when the line malfunction is absent.

16. The electronic money transaction processing method according to claim 13, wherein the interface terminal uploads the payment record to the management center when the line malfunction is present.

17. The electronic money transaction processing method according to claim 13, wherein the interface terminal receives the payment record from the terminal apparatus when the line malfunction is present.

18. The electronic money transaction processing method according to claim 2, wherein the data from the management center includes payment information.

19. The electronic money transaction processing method according to claim 18, further comprising:

a different encryption step of encrypting the payment information, the management center performing the different encryption step prior to outputting the payment information.

20. The electronic money transaction processing method according to claim 18, wherein the interface terminal receives the payment information from the management center when the line malfunction is present, the payment information received by the interface terminal being uploaded to the terminal apparatus.

21. The electronic money transaction processing method according to claim 18, wherein the payment information set an amount to be paid using the electronic money, the amount to be paid being in accordance with payment terms.

22. The electronic money transaction processing method according to claim 21, wherein the payment terms include terms allowing a predetermined input unit to input the amount to be paid using the electronic money.

23. The electronic money transaction processing method according to claim 21, wherein the payment terms include terms allowing the giving of change in preset currency units, the amount to be paid being obtained by rounding down an amount of the electronic money to a preset currency unit.

24. The electronic money transaction processing method according to claim 2, wherein the encryption step is performed between the second communication step and the third communication step.