Payment acting service method and system

• US 20010029498A1
• Filed: 04/04/2001
• Published: 10/11/2001
• Est. Priority Date: 04/05/2000
• Status: Abandoned Application

• Current Assignee: NEC Corporation
• Original Assignee: NEC Corporation
• Inventors: Tomoike, Hiroyuki
• Application Number:
  US09/826,263
• Publication Number:
  US 20010029498A1
• Time in Patent Office: Days
• US Class Current: 705/78
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

A payment acting service system by which a simple and easy electronic settlement system can be constructed only from communication undertakers is disclosed. A radio interface with a public mobile communication network and an interface with a mobile station are additionally provided for a POS terminal so that an electronic settlement procedure between the mobile station and the public mobile communication network is performed through the POS terminal. An existing authentication function of an exchange in the public mobile communication network and an existing function for charge collection for performing an accounting process for a charge for service of a mobile station are utilized to perform a settlement process with the POS terminal.

Claims

1. A payment acting service method for acting for a purchaser in settlement of a purchase price in a shop, comprising the steps of:

issuing a notification of a purchase price from a POS terminal provided in the shop to a mobile station carried by the purchaser;

signaling, in response to a settlement starting instruction of the purchaser who responds to the notification, a settlement starting request from said mobile station to authentication means through said POS terminal and a mobile communication network;

performing an authentication process of the purchaser between said authentication means and said mobile station based on the settlement starting request;

signaling a settlement request from said authentication means to payment acting means when the authentication indicates a correct result; and

performing an accounting process of said mobile station by said payment acting means in response to the settlement request and issuing a notification of a result of the accounting process to said POS terminal and said mobile station.

2. A payment acting service method as claimed in

claim 1

, wherein said authentication means uses a user authentication function of an exchange provided for said mobile communication network.

3. A payment acting service method as claimed in

claim 1

, wherein said payment acting means uses a charge collection function for said mobile station provided for said mobile communication network.

4. A payment acting service method as claimed in

claim 1

, wherein communication between said POS terminal and said mobile station and mobile communication network is performed through a radio interface which can communicate by radio.

5. A payment acting service system for acting for a purchaser in settlement of a purchase price in a shop, comprising:

a POS terminal provided in the shop for issuing a notification of the purchase price to a mobile station carried by the purchaser and signaling a settlement starting request from said mobile station to a mobile communication network in response to a settlement starting instruction of the purchaser who responds to the notification;

authentication means for receiving the settlement starting request through said mobile communication network to perform an authentication process of the purchaser with said mobile station and producing a settlement request when the authentication indicates a correct result; and

payment acting means for performing an accounting process of said mobile station in response to the settlement request and notifying said POS terminal and said mobile station of a result of the accounting process.

6. A payment acting service system as claimed in claim 5, wherein said authentication means is a user authentication function of an exchange provided for said mobile communication network.

7. A payment acting service system as claimed in

claim 5

, wherein said payment acting means is a charge collection function for said mobile station provided for said mobile communication network.

8. A payment acting service system as claimed in

claim 5

, wherein said POS terminal has a radio interface which can communicate with said mobile station and said mobile communication network by radio.