Electronic value system

• US 7,107,247 B2
• Filed: 05/30/2001
• Issued: 09/12/2006
• Est. Priority Date: 05/31/2000
• Status: Expired due to Fees

• Current Assignee: NTT Docomo Incorporated (Nippon Telegraph and Telephone Corporation)
• Original Assignee: NTT Docomo Incorporated (Nippon Telegraph and Telephone Corporation)
• Inventors: Yamashita, Tetsuya, Kinoshita, Masaki
• Primary Examiner(s): Cheung, Mary D.
• Application Number:
  US10/048,326
• Publication Number:
  US 20020116344A1
• Time in Patent Office: 1,931 Days
• Field of Search: 705 26- 27, 705 39- 44, 705 64- 79, 713155-194, 713200-202, 380229-233, 380 28- 30, 707 9- 10, 707100-104, 235375-382, 902 1- 8, 902/22, 725 1- 6
• US Class Current: 705/64
• 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 20/0658 e-cash managed locally
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• 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 20/3433 the counter having monetary units
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 7/02 by keys or other credit registering devices
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

An electronic value amount of an electronic bank account and an electronic value amount stored in user identification module UIM in mobile station MS are each stored in an electronic bank server EBS, and updated by the server when either amount changes as a result of transaction.

Claims

1. An electronic value system for performing transmission and reception of an electronic value which comprises electronic money information between a first communication terminal and a second communication terminal,

said first communication terminal comprising:

a first memory for storing an electronic value, identification information of an issuer of said electronic value, and a digital signature provided by said issuer to said identification information; and

a first transmission means for transmitting said identification information and said digital signature together with said electronic value to said second communication terminal;

a first receiving means for receiving from said second communication terminal identification information of an issuer and a digital signature before transmitting said electronic value to said second communication terminal; and

a first confirmation means for confirming authenticity of said second communication terminal by checking said digital signature received from said second communication terminal to determine that said electronic value has been issued by said issuer,

said second communication terminal comprising;

a second memory for storing an electronic value, identification information of an issuer of said electronic value, and a digital signature provided by said issuer to said identification information;

a second transmission means for transmitting said identification information and said digital signature that are stored in said second memory to said first communication terminal;

a second receiving means for receiving identification information of an issuer and a digital signature from said first communication terminal; and

a confirmation means for confirming that said electronic value has been issued by the issuer.

2. An electronic value system according to claim 1,

wherein said first communication terminal and said second communication terminal comprise a log accumulation means for accumulating a transaction log related to their own transaction;

and

wherein at least either said first communication terminal or said second communication terminal transmits a transaction log accumulated at said log to a node that manages balance information of said electronic value, which information said first or said second communication terminal memorizes, when said accumulated transaction log is equal in volume to a storage capacity of said log accumulation means.

3. An electronic value system according to claim 1,

wherein said first communication terminal and said second communication terminal perform transmission and reception of electronic value by radio.

4. An electronic value system according to claim 1,

wherein at least either said first communication terminal or said second communication terminal is a mobile communication terminal in a mobile network.

5. An electronic value system according to claim 1,

wherein said second communication terminal is installed in a vending machine.

6. An electronic value system according to claim 1,

wherein the first communication terminal attaches a transmission date and time to said electronic value when transmitting said value.

7. An electronic value system according to claim 1,

wherein said first communication terminal comprises a security means for

performing electronic authentication, encryption and decryption by using a key for said electronic value, and an update means for updating said key regularly when performing transmission and reception of said electronic value.