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US 6,332,133 B1Granted
Personal electronic settlement system, its terminal, and management apparatus
AssigneeMatsushita Electric Industrial Co., Ltd.
InventorHisashi Takayama
Life of this patent
Estimating the term…
Abstract
According to the present invention provided is a settlement means that is superior in safety and usability. The settlement means comprises: payment means 100 including a plurality of systems of communication means; charging means 101 including a plurality of systems of communication means; and settlement means 102 including a plurality of systems of communication means. Since the payment means and the settlement means exchange transaction data by communicating with each other, it is possible to prevent the assessment of an illegal charge by the charging means. In addition, since a signature (a digital signature) and an accounting statement are exchanged by communication between the payment means and the charging means, the efficiency of the sale can be improved.
Claims129
A personal electronic settlement system comprising:
- payment means including a plurality of systems of communication means;
- charging means including a plurality of systems of communication means;
- and
- settlement means including a plurality of systems of communication means,
- wherein communication among said payment means, said charging means and said settlement means is performed by employing different systems of communication means.
2 more elements
A personal electronic settlement system comprising:
- a first terminal as payment means including at least two systems of communication means;
- a second terminal as charging means including at least two systems of communication means;
- and
- a management device as settlement means including at least two systems of communication means,
- wherein communication of said payment means, said charging means or said settlement means with the other two means is performed by employing different systems of communication means.
2 more elements
A first terminal for a personal electronic settlement system, which comprises:
- said first terminal as payment means including at least two systems of communication means;
- a second terminal as charging means including at least two systems of communication means;
- and a management device as settlement means including at least two systems of communication means, so that communication of said payment means, said charging means or said settlement means with the other two means is performed by employing different systems of communication means,
- wherein said first terminal serves as said payment means that comprises different systems of wireless communication means that are used for communications conducted between said charging means and said settlement means.
1 more element
A second terminal for a personal electronic settlement system, which comprises:
- a first terminal as payment means including at least two systems of communication means;
- said second terminal as charging means including at least two systems of communication means;
- and a management device as settlement means including at least two systems of communication means, so that communication of said payment means, said charging means or said settlement means with the other two means is performed by employing different systems of communication means,
- wherein said second terminal serves as said charging means that comprises different systems of communication means that are used for communications conducted between said payment means and said settlement means.
1 more element
A management device for a personal electronic settlement system, which comprises:
- a first terminal as payment means including at least two systems of communication means;
- a second terminal as charging means including at least two systems of communication means;
- and said management device as settlement means including at least two systems of communication means, so that communication of said payment means, said charging means or said settlement means with the other two means is performed by employing different systems of communication means,
- wherein said management device serves as said settlement means that comprises different systems of communication means that are used for communications conducted between said payment means and said charging means.
1 more element
A second terminal for a personal electronic settlement system, which comprises:
- a first terminal as payment means including at least two systems of communication means, said second terminal as charging means including at least two systems of communication means, and a management device as settlement means including at least two systems of communication means, so that communication of said payment means, said charging means or said settlement means with the other two means is performed by employing different systems of communication means, said second terminal including,
- optical communication means, for communicating with said payment means;
- communication means, for communicating with said settlement means;
- input means, for entering a money amount to be paid;
- a central processing unit, for generating data to be transmitted by said optical communication means and said communication means, and for processing data received by said optical communication means and said communication means;
- first storage means, for storing a control program for controlling all operations performed by said central processing unit;
- display means for visually presenting results obtained by the data processing performed by said central processing unit;
- and
- second storage means, for storing data processed by said central processing unit.
6 more elements
A management device for a personal electronic settlement system, which comprises:
- a first terminal as payment means including at least two systems of communication means, a second terminal as charging means including at least two systems of communication means, and said management device as settlement means including at least two systems of communication means, so that communication of said payment means, said charging means or said settlement means with the other two means is performed by employing different systems of communication means, said settlement means including,
- first storage means, for storing data concerning said payment means;
- second storage means, for storing data concerning said charging means;
- and
- a computer system, for processing data for a transaction.
2 more elements
A management device for a personal electronic settlement system, which comprises:
- a first terminal as payment means including at least two systems of communication means, a second terminal as charging means including at least two systems of communication means, and said management device as settlement means including at least two systems of communication means, so that communication of said payment means, said charging means or said settlement means with the other two means is performed by employing different systems of communication means, said management device including,
- means for generating for said person in charge of said charging means valid identification data for said owner of said payment means;
- and
- means for adding said identification data to said message data indicating said transaction has been completed, and for transmitting said message data to said charging means.
1 more element
A computer-usable medium storing computer-executable instructions, said instructions when executed implementing a method comprising:
- using payment means of a personal electronic settlement system to generate and transmit, to settlement means of said personal electronic settlement system, message data requesting the performance of a money transaction for an amount that corresponds to a value input by input means of said payment means;
- using said payment means to process and output, to display means of said payment means, message data received from said settlement means indicating the completion of a payment;
- and
- using said payment means to store the processed data in storage means of said payment means.
1 more element
A computer-usable medium storing computer-executable instructions, said instructions when executed implementing a method comprising:
- using charging means of a personal electronic settlement to generate and transmit, to payment means of said personal electronic settlement system, message data requesting a money payment that corresponds to an amount input by input means of said charging means;
- using said charging means to generate and transmit, to settlement means of said personal electronic settlement system, message data requesting a transaction by employing message data received from said payment means offering payment and said message data requesting payment;
- using said charging means to process message data that is received from said settlement means that indicates the completion of said transaction;
- using said charging means to output resultant data to display means of said charging means;
- and
- using said charging means to store said resultant data in storage means of said charging means.
3 more elements
A computer-usable medium storing computer-executable instructions, said instructions when executed implementing a method comprising:
- using charging means of a personal electronic settlement system to generate and transmit, to payment means of said personal electronic settlement system, message data requesting a payment;
- using said payment means to generate and transmit, to settlement means of said personal electronic settlement system, message data from said payment means requesting a payment processing by employing message data offering a payment and message data received from said charging means requesting a payment;
- using said settlement means to perform a settlement by comparing message data received from said charging means requesting a settlement processing with said message data received from said payment means requesting a payment processing;
- using said settlement means to generate and transmit to said charging means message data indicating that a settlement has been completed;
- and
- using said settlement means to generate and transmit to said payment means message data indicating that a payment has been completed.
3 more elements
A computer-usable medium storing computer-executable instructions, said instructions when executed implementing a method comprising:
- using settlement means of a personal electronic settlement system to generate, for a person in charge of charging means in said personal electronic settlement system, valid identification data for an owner of payment means in said personal electronic settlement system;
- using said settlement means to add said identification data to message data indicating that a transaction has been completed;
- and
- using said settlement means to transmit said message data to said charging means.
1 more element
A computer-usable medium storing computer-executable instructions, said instructions when executed implementing a method comprising:
- using payment means of a personal electronic settlement system to process and store data, either in storage means of said payment means, or in storage means of settlement means of said personal electronic settlement system, in which data concerning said payment means are stored;
- and wherein said data are managed by entering identification data in said data in said storage means of said payment means, and an address in the pertinent storage means, in which said data are stored;
- and
- processing address data in said storage means of said settlement means by using said payment means to generate and transmit to said settlement means a message requesting address data;
- wherein, upon receipt of said message, said settlement means generates and transmits to said payment means a message in which are included the address data that are requested;
- and
- wherein said payment means extracts said requested data from said message received from said settlement means.
4 more elements
A computer-usable medium storing computer-executable instructions, said instructions when executed implementing a method comprising:
- storing data processed by charging means of a personal electronic settlement system are stored either in storage means of said charging means, or in storage means of settlement means of said personal electronic settlement system, in which data concerning said charging means are stored;
- managing said data by entering, in said storage means of said charging means, identification data for said data and an address in the pertinent storage means, in which said data are stored;
- and
- processing address data in said storage means of said settlement means by using said charging means to generate and transmit to said settlement means a message requesting said address data;
- wherein, upon receiving said message, said settlement means generates and transmits to said charging means a message in which are included said requested data;
- and
- wherein said charging means extracts said requested data from said message received from said settlement means.
4 more elements
A computer-usable medium storing computer-executable instructions, said instructions when executed implementing a method comprising:
- using payment means in a personal electronic settlement system to employ a message to transmit data indicating that a payment has been completed to generate and transmit, to settlement means in said personal electronic settlement system, a message requesting a payment processing be canceled;
- using charging means in said personal electronic settlement system to employ message data indicating completion of a settlement to generate and transmit, to said settlement means, a message requesting the settlement processing be canceled;
- and
- using said settlement means to perform a cancellation of settlement processing by comparing said message data received from said payment means with said message data from said charging means, transmit to said payment means a message indicating the cancellation of the payment is completed, and also transmit to said charging means message data indicating cancellation of the transaction is completed.
1 more element
A computer-usable medium storing computer-executable instructions, said instructions when executed implementing a method comprising:
- using service providing means in a personal electronic settlement system to compare data in a message transmitted by charging means in said personal electronic settlement system requesting a settlement processing, with data in a message transmitted by payment means in said personal electronic settlement system requesting a payment process;
- using said service providing means to generate and transmit a message containing data requesting a settlement processing;
- using said settlement means that performs said settlement processing to generate and transmit to said service providing means a message containing data reporting that said settlement processing has been completed;
- and
- using said service providing means to employ said data in said message reporting the completion of the transaction to generate data for a message reporting that the transaction has been completed and data for a message reporting that payment has been completed;
- and
- using said service providing means to transmit said data in said messages to said charging means and said payment means respectively.
4 more elements
A computer-usable medium storing computer-executable instructions, said instructions when executed implementing a method comprising:
- using service providing means in a personal electronic settlement system to store data in messages that are transmitted to charging means in said personal electronic settlement system to report that transactions have been completed;
- and
- using said service providing means to store data in messages that are transmitted to payment means in said personal electronic settlement system to report that payments have been completed.
A computer-usable medium storing computer-executable instructions, said instructions when executed implementing a method comprising:
- using service providing means in a personal electronic settlement system to employ the result of a comparison of data in a message requesting a settlement processing with data in a message requesting a payment process to select one of a plurality of settlement means to transmit a message containing the data requesting a settlement processing.
A computer-usable medium storing computer-executable instructions, said instructions when executed implementing a method comprising:
- using payment means in a personal electronic settlement system to insert valid time period information into data for a message that offers payment and into data for a message that requests payment processing;
- using charging means in said personal electronic settlement system to insert valid time period information into data for a message that requests a payment processing and into data for a message that requests a settlement processing;
- and
- using settlement means of said personal electronic settlement system, or service providing means of said personal electronic settlement system, to examine said valid time period information when comparing said data for said message requesting a payment processing with said data for a message requesting a settlement processing.
1 more element
A computer-usable medium storing computer-executable instructions, said instructions when executed implementing a method comprising:
- before generating data for a message requesting a settlement processing, using charging means of a personal electronic settlement system to generate and transmit, to service providing means of said personal electronic settlement system, a message containing data requesting an inquiry processing be performed for an owner of said payment means;
- using said service providing means to compare said data in said message requesting a payment processing with said data in said message requesting an inquiry processing, and employ information concerning said owner of said payment means, which is stored in first storage means of said service providing means, to generate and transmit to said charging means a message containing data conveying the results of an inquiry processing performed for said owner;
- and
- using said charging means to process data in said message and transmit the resultant data to display means of said charging means.
1 more element
Dependencies are inferred from the claim text.