Mobile electronic commerce system

• US 20090125429A1
• Filed: 12/29/2008
• Published: 05/14/2009
• Est. Priority Date: 08/13/1997
• Status: Active Grant

• Current Assignee: Intertrust Technologies Corporation (Fidelio Acquisition Co LLC)
• Original Assignee: Matsushita Electric Industrial Company Limited (Panasonic Holdings Corporation)
• Inventors: Takayama, Hisashi
• Granted Patent: US 7,991,694 B2
• Time in Patent Office: Days
• US Class Current: 705/35
• 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

1-5. -5. (canceled)

6. A mobile user terminal used in an electronic commerce system comprising the mobile user terminal, a service providing system and an examination terminal, the mobile user terminal comprising:

a generating section that generates a request for electronic value card information;

a transmitting section transmits the request to the service providing system;

an acquisition section that receives the electronic value card information issued by the service providing system and having secret key data, the secret key data differing for each type of the electronic value card information and to be used in a mutual authentication process executed between the mobile user terminal and the examination terminal to hold the electronic value card information; and

a mutual authentication section for transmitting a first authentication message to the examination terminal to allow the examination terminal to perform an authentication operation and for receiving a second authentication message from the examination terminal allowing authentication of the examination terminal and using said second authentication message to authenticate the examination terminal.

7. The mobile user terminal according to claim 6, further comprising an information section indicating receipt and storage, by the acquisition section, of the electronic value card information.

8. The mobile user terminal according to claim 6, further comprising an update section to updates variable value data of the electronic value card information in accordance with an instruction from the examination terminal after authentication of the examination terminal.

9. The mobile user terminal according to claim 8, further comprising an information section indicating an update, by the update section, of the variable value data of the electronic value card information.

10. The mobile user terminal according to claim 6, wherein the electronic value card information further includes program data specifying a display of the electronic value card information;

and

further comprising a display section that displays the electronic value card information based on the program data.

11. The mobile user terminal according to claim 6, further comprising a switching section that switches a mode of use of the electronic value card information.

12. 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 at least an examination terminal, said mobile user terminal comprising:

means for generating a request for electronic value card information and transmitting the request to the service providing system;

means for receiving electronic value card information issued by the service providing system including the electronic value card information and secret key data, the secret key data differing for each type of electronic value card information, the secret key data for use in an authentication process between said mobile user terminal and the examination terminal; and

authentication means for engaging in an authentication process with the at least an examination terminal, said authentication means transmitting a first authentication message to the examination terminal to allow the examination terminal to perform an authentication operation, said authentication means further receiving a second authentication message from the examination terminal allowing authentication of the examination terminal and said authentication means authenticating said examination terminal based on said second authentication message.

13. The mobile user terminal according to claim 12, further comprising an information section for indicating receipt and storage, by the acquisition section, of the electronic value card information.

14. The mobile user terminal according to claim 12, further comprising an update section for updating variable value data of the electronic value card information in accordance with an instruction from the examination terminal after the authenticates of the examination terminal.

15. The mobile user terminal according to claim 14, further comprising an information section indicating that the update section has updated the variable value data of the electronic value card information.

16. The mobile user terminal according to claim 12, wherein the electronic value card information includes program data specifying a display of the electronic value card information;

and

further comprising a display section that displays the electronic value card information based on the program data.

17. The mobile user terminal according to claim 12, further comprising a switching section that switches a mode of use of the electronic value card information.

18. The mobile user terminal according to claim 12 wherein said means for transmitting includes a wireless transmitter.

19. The mobile user terminal according to claim 12 wherein said means for transmitting includes an infra-red transmitter.

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

a generator for generating a request for electronic value card information;

a transmitter for transmitting the request to the service providing system;

a receiver for receiving the electronic value card information issued by the service providing system, said electronic card information including secret key data, the secret key data differing for each type of the electronic value card information, the secret key data for use in an authentication process executed between the mobile user terminal and a selected examination terminal; and

a mutual authenticator for executing an authentication process with the selected examination terminal using the secret key data of the electronic value card information, said authentication process comprising transmitting a first authentication message to the examination terminal to allow the examination terminal to perform an authentication operation, receiving a second authentication message from the examination terminal, allowing authentication of the examination terminal and authenticating the examination terminal through use of the second authentication message.

21. The mobile user terminal according to claim 20 further comprising an information section to indicate that the acquisition section has received and stored the electronic value card information.

22. The mobile user terminal according to claim 20 further comprising an update section for updating the variable value data of the electronic value card information in accordance with an instruction from the examination terminal after the mutual authenticator authenticates the examination terminal.

23. The mobile user terminal according to claim 20, further comprising an information section to indicate that the update section has updated the variable value data of the electronic value card information.

25. The mobile user terminal according to claim 20, further comprising a switching section that switches a mode of use of the electronic value card information.

26. The mobile user terminal according to claim 20, wherein the electronic value card information further includes program data specifying a display of the electronic value card information;

and

further comprising a display section that displays the electronic value card information based on the program data.

27. A security method as recited in claim 26 further comprising

providing an indication of reception of the electronic value card information, and

storing the electronic value card information.

28. A security method as recited in claim 26 further comprising

updating variable value data of the electronic value card information in accordance with an instruction from an examination terminal after authentication of the examination terminal.

29. A security method as recited in claim 26, further comprising

providing an indication of the update of the variable value data of the electronic value card information.

30. A security method as recited in claim 26 wherein said electronic value card information includes program data controlling a display and wherein the method further comprises

displaying the electronic value card information based on the program data.

31. A security method as recited in claim 26, further comprising

switching a mode of use of the electronic value card information.

26-1. A security method performed by a mobile user terminal in electronic commerce system, the electronic commerce system comprising at least the mobile user terminal, a service providing system, and at least an examination terminal, said method comprising:

generating a request for electronic value card information by the mobile user terminal and transmitting the request to the service providing system;

receiving, at the mobile user terminal, electronic value card information issued by the service providing system and storing the electronic value card information;

said electronic card value information including secret key data differing for each type of electronic card information, said secret key data for use in an authentication process to be carried out by the mobile user terminal and a selected examination terminal; and

authenticating the selected examination terminal based on possession by both the mobile user terminal and the examination terminal of the same secret key data, said authenticating comprising transmitting a first authentication message to the examination terminal to allow the examination terminal to perform an authentication operation, receiving a second authentication message from the examination terminal allowing authentication of the examination terminal and authenticating the examination terminal based on the second authentication message.