(19) United States
`(12) Patent Application Publication (10) Pub. No.: US 2003/0055792 A1
`Kinoshita et al.
`(43) Pub. Date:
`Mar. 20, 2003
`
`US 20030055792A1
`
`(54) ELECTRONIC PAYMENT METHOD,
`SYSTEM, AND DEVICES
`(76) Inventors: Masaki Kinoshita, Tokyo (JP); Junichi
`Yoshida, Tokyo (JP); Atsushi
`Nakajima, Tokyo (JP); Manabu
`Tanaka, Tokyo (JP); Kazutoyo
`Yasuda, Fujimi-shi (JP); Syuichi
`Tomita, Tokyo (JP); Taijiro
`Nakamura, Tokyo (JP); Hideaki
`Ishibashi, Tokyo (JP)
`
`Hanada, Kawasaki-shi (JP); Jun
`
`Correspondence Address:
`BRINKS HOFER GILSON & LONE
`P.O. BOX 10395
`CHICAGO, IL 60611 (US)
`(21) Appl. No.:
`10/199,993
`
`(22) Filed:
`
`Jul. 19, 2002
`
`(30)
`
`Foreign Application Priority Data
`
`Jul. 23, 2001 (JP)...................................... 2001-2221 63
`Jan. 29, 2002 (JP)...................................... 2002-020410
`Publication Classification
`
`(51) Int. C.7 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - HO4K 1/00
`
`(52) U.S. Cl. ................................................................ 705/67
`
`(57)
`
`ABSTRACT
`
`A portable device authenticates a user of the portable device.
`If authenticity of the user is confirmed, a user ID is trans
`mitted to a POS terminal. Upon receipt of the user ID, the
`POS terminal Sends a request for payment including the user
`ID and transaction information to a payment gateway. Upon
`receipt of the request, the payment gateway sends an email
`to the portable device to execute an application for payment
`stored in the portable device.
`
`1O
`
`COMMUNICATION
`NETWORK
`
`
`
`
`
`MOBILE
`COMMUNICATION
`NETWORK
`
`
`
`
`
`1
`1
`
`POS
`TERMINAL
`17
`
`MOBILE
`TERMINAL
`
`
`
`PORTABLE
`DEVICE
`18
`
`15
`
`13
`
`PAYMENT .
`GATEWAY
`
`CREDT
`SERVER
`
`PAYMENT NETWORK
`
`
`
`Petitioner's Exhibit 1013, Page 1
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 1 of 23
`
`US 2003/0055792 A1
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`
`
`
`
`
`
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`
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`| ||
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`TWNIN?1 | S0d
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`Petitioner's Exhibit 1013, Page 2
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 2 of 23
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`US 2003/0055792 A1
`
`F/G 2
`
`) ) )
`
`
`
`341
`
`14:PORTABLE DEVICE
`
`
`
`
`
`
`
`COMMUNICATION
`UNIT
`
`340
`
`MC/
`SPEAKER
`
`370
`
`RADIO
`INTERFACE
`
`CONTROL
`UNIT
`
`350
`
`320
`
`310
`
`MEMORY
`
`330
`
`INPUT
`DEVICE
`
`360
`
`UMINTERFACE
`
`f 18:UM
`
`Petitioner's Exhibit 1013, Page 3
`
`

`

`Patent Application Publication Mar. 20, 2003. Sheet 3 of 23
`
`US 2003/0055792 A1
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`
`
`
`
`
`
`A/G 4
`
`230:EEPROM
`
`A
`
`STORAGE AREA 231
`
`STORAGE AREA 233
`
`SUBSCRIBER NO.
`
`TALK TME
`
`DEVICE D
`http://- - - - - - -
`USER ID (1)
`PASSWORD (1)
`USER D (2)
`PASSWORD (2)
`
`AUTHENTCATION RESULT
`
`Petitioner's Exhibit 1013, Page 4
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 4 of 23
`
`US 2003/0055792 A1
`
`A/G 6
`
`1O
`
`COMMUNICATION
`NETWORK
`
`
`
`INTERFACE
`
`DISPLAY
`
`CONTROL
`UNIT
`
`INTERFACE
`
`17:MOBILE TERMINAL
`
`840
`
`
`
`810
`
`820
`
`DISPLAY
`
`CONTROL
`UNIT
`
`INTERFACE
`
`RADIO
`INTERFACE
`
`
`
`
`
`
`
`
`
`
`
`Petitioner's Exhibit 1013, Page 5
`
`

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`Patent Application Publication Mar. 20, 2003 Sheet 5 of 23
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`US 2003/0055792 A1
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`0/ |
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`
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`Petitioner's Exhibit 1013, Page 6
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`

`

`Patent Application Publication Mar. 20, 2003 Sheet 6 of 23
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`US 2003/0055792 A1
`
`A/G 7
`
`154aa
`
`154ab
`
`154a
`154ac y
`
`154ad
`
`CARD NUMBER
`USER ID PASSWORD | DEVICE ID
`1234567 1234-2234-3234-4234
`OOOO1 ABCDEF
`2234567 2234-3234-4234-5234
`3345678 3234-4234-5234-6234
`
`00002 FEDCBA
`00003 CDEFAB
`
`
`
`
`
`
`
`
`
`
`
`A/G 3
`
`y
`
`154bC
`154ba 154bb
`USERD-00001
`TRANSACTION
`MERCHANT
`TRANSACTION DETALS
`"I DATE/TIME "NEER
`2001/7/3
`100001| 4: 543210 |NAE GUNTITY PRICE, TAX, PAYENTNETHOD
`
`154bd
`
`
`
`
`
`100008 299447
`
`765432
`
`Petitioner's Exhibit 1013, Page 7
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 7 of 23
`A/G 9
`
`US 2003/0055792 A1
`
`A/G 10
`
`
`
`154da 154Cdb
`ERCHANT
`NAME
`
`154C
`154dc 154CC r 154de
`ISSUER
`ISSUER
`PAYMENT METHOD
`NAME
`NAME LIBPBR
`
`Petitioner's Exhibit 1013, Page 8
`
`

`

`SLELLvl
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`wanuasLiao)=«(NMA
`110340
`LsHAY
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`
`
`
`
`
`
`
`|
`
`WNIWYSL$Od
`
`401Asd
`
`TaylvodLLOld
`
`Patent Application Publication
`
`Mar. 20, 2003 Sheet 8 of 23
`Mar.20, 2003 Sheet 8 of 23
`
`US 2003/0055792 A1
`US 2003/0055792 Al
`
`OL
`
`
`
`NOILVOLINJHLAY
`
`301A30
`
`cS
`
`
`
`NOILVO1INSHLAY
`
`LS
`
`Ydsf
`
`Petitioner's Exhibit 1013, Page 9
`
`Petitioner's Exhibit 1013, Page 9
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`

`

`Patent Application Publication Mar. 20, 2003 Sheet 9 of 23
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`US 2003/0055792 A1
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`A/G 12
`
`
`
`
`
`
`
`DISPLAY CARD
`MENU
`
`Sa1
`
`
`
`
`
`DISPLAY INPUT
`SCREEN
`
`S
`
`Sa4
`
`ERROR
`PROCESSING
`
`
`
`
`
`STORE RESULT
`
`
`
`SEND USER ID
`
`Petitioner's Exhibit 1013, Page 10
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 10 of 23
`
`US 2003/0055792 A1
`
`A/G 13
`
`
`
`PLEASE SELECT A CREDIT CARD
`O CARD A O CARD B
`O CARDC
`Z 2
`
`
`
`
`
`
`
`A/G 14
`
`So1
`
`NO
`
`E-MAIL
`RECE
`
`COMMAND
`INCLUDED?
`
`EXECUTE
`APPLICATION
`
`Petitioner's Exhibit 1013, Page 11
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 11 of 23 US 2003/0055792 A1
`
`A/G 16
`
`START
`
`REQUEST CONNECTION
`
`SEND INFORMATION
`
`SC1
`
`SC2
`
`- Sc3
`
`MEASURE TIME
`
`DISPLAY TRANSACTIONS
`DETALS
`
`SC5
`
`
`
`
`
`No.<g Ed YES
`
`SC.7
`
`STOP PROCESSING
`
`SEND REQUEST
`
`
`
`
`
`SC8
`
`DISPLAY MENU
`
`SEND PAYMENT - 5
`METHOD
`
`END
`
`Petitioner's Exhibit 1013, Page 12
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 12 of 23 US 2003/0055792 A1
`
`A/G 16
`
`THIS TRANSACTION S
`CONDUCTED AT SHOP XX
`OF MERCHANT YY
`
`TOTAL AMOUNT S XXX DOLLARS
`
`A/G 17
`
`
`
`PLEASE SELECT A PAYMENT METHOD,
`O LUMP SUM O INSTALLMENT
`O BONUS
`O BONUS (PARTAL)
`O REVOLVING
`Z 2
`
`Petitioner's Exhibit 1013, Page 13
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 13 of 23 US 2003/0055792 A1
`
`A/G 16
`
`START
`
`INPUT
`INFORMATION
`
`SERVICE
`REQUIRED)
`YES
`
`
`
`SC1
`
`d2
`S
`
`
`
`
`
`
`
`SC3
`
`
`
`ORDINARY
`PAYMENT
`
`is to No
`
`RECEIVED?
`
`YES
`REQUEST NUMBER
`
`SC5
`
`STORE NUMBER
`
`STORE REPORT
`
`SC6
`
`SC 7
`
`
`
`
`
`
`
`
`
`Petitioner's Exhibit 1013, Page 14
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 14 of 23 US 2003/0055792 A1
`
`A/G 19
`
`CREDITSERVER)-150 (DSSEN 160
`RECEIVEREQUEsthS
`SEND NUMBER -Se2
`Se3
`STORE INFORMATION
`
`Se4
`
`SEND USER ID
`
`Se5
`
`Se6
`
`Se7
`
`MAKE E-MAIL
`
`RECEPTION MESSAGE
`
`SEND E-MAIL
`
`Se8
`
`CONNECT TO DEVICE
`ATHENTATE DEVICE Se9
`Se10
`
`No.<geSis
`
`YES
`SEND DEAS Se12
`Se13
`
`Se11
`
`ERROR PROCESSING
`
`CONFIRMATION
`ECEIVED,
`YES
`REQUEST METHOD
`
`RECEIVE REQUEST
`SEND REPORI
`
`Se14
`
`Se15
`
`Se16
`
`Petitioner's Exhibit 1013, Page 15
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 15 of 23
`
`US 2003/0055792 A1
`
`
`
`
`
`
`
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`
`
`
`
`
`Petitioner's Exhibit 1013, Page 16
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 16 of 23
`
`US 2003/0055792 A1
`
`A/G 21
`
`
`
`r
`
`Petitioner's Exhibit 1013, Page 17
`
`

`

`Patent Application Publication
`
`Mar. 20, 2003. Sheet 17 of 23
`
`US 2003/0055792 A1
`
`
`
`|1|0}}|0
`
`HEM HES
`
`1
`
`Petitioner's Exhibit 1013, Page 18
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 18 of 23 US 2003/0055792 A1
`A/G 23
`
`ISSUER CODE
`
`PAYMENT METHOD
`
`MERCHANT CODE
`
`
`
`Petitioner's Exhibit 1013, Page 19
`
`

`

`Patent Application Publication
`
`Mar.20, 2003 Sheet 19 of 23
`
`US 2003/0055792 Al
`
`‘ON
`
`
`
`QOHISN
`UaaNnn
`
`
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`INaWAYd|quyg|SWS|avd) 3dAl
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`
`
`
`VPCDd
`
`GreOA
`
`IEOld
`
`OveOd
`
`Petitioner's Exhibit 1013, Page 20
`
`Petitioner's Exhibit 1013, Page 20
`
`
`
`
`
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 20 of 23
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`US 2003/0055792 A1
`
`
`
`
`
`
`
`Petitioner's Exhibit 1013, Page 21
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 21 of 23 US 2003/0055792 A1
`A/G 26
`
`MERCHANT TERMINAL
`
`PAYMENT GATEWAY
`
`OBIA AND 9.
`SEND USER ID
`
`RECEIVE USER
`D
`
`
`
`S O2
`
`SO3
`
`SEND E-MAIL
`SO4
`CONFIRMATIONNNO
`RECEIVED
`YES
`CHECK CARD
`NO
`
`SO6
`
`s
`
`CARD NO
`FOUND
`NO
`
`SO
`7
`YES
`
`SO8
`
`SEND MESSAGE
`
`SO9.
`:
`
`RECEIVE
`MESSAGE
`
`END
`
`SO5
`
`STOP
`PROCESSING
`
`S10
`ENCRYPT CARD
`NO.
`
`S11
`
`MAKE KEY
`
`(A)
`
`Petitioner's Exhibit 1013, Page 22
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 22 of 23 US 2003/0055792 A1
`
`MERCHANT TERMINAL
`
`A/G 27
`PAYMENT GATEWAY
`
`CREDT SERVER
`
`
`
`SEND
`ENCRYPTED NO.
`
`S13
`
`SEND KEY
`
`
`
`
`
`RECEIVE
`ENCRYPTED NO.
`
`
`
`SEND REQUEST
`
`RECEIVE S20
`MESSAGE
`
`C END D
`RECEIVE S22
`MESSAGE
`
`END
`
`S14
`
`S17
`
`STORE KEY
`
`RECEIVE
`REQUEST
`
`S18
`YES
`
`<G> NO S19
`
`SEND MESSAGE
`
`SEND MESSAGE S21
`
`Petitioner's Exhibit 1013, Page 23
`
`

`

`Patent Application Publication Mar. 20, 2003 Sheet 23 of 23 US 2003/0055792 A1
`F/G 28
`9
`
`93
`
`
`
`91
`
`931
`Cld
`DATABASE
`
`MODULE
`
`MODULE
`
`923
`
`MODULE
`
`MODULE
`
`MODULE
`
`MODULE
`
`MODULE
`
`MODULE
`
`MODULE
`
`PAYMENT PROGRAM
`PROGRAM AREA
`STORAGE MEDIUM
`
`DATA AREA
`
`Petitioner's Exhibit 1013, Page 24
`
`

`

`US 2003/0055792 A1
`
`Mar. 20, 2003
`
`ELECTRONIC PAYMENT METHOD, SYSTEM,
`AND DEVICES
`
`BACKGROUND OF THE INVENTION
`0001) 1. Field of the Invention
`0002 The present invention relates generally to a
`method, System, and devices used for electronic financial
`transactions between financial institutions connected by a
`network.
`0003 2. Description of the Related Art
`0004 Electronic payment using a credit card is known in
`the art. AS an example, a prior System for electronic payment
`is shown in FIG. 21. When a people (purchaser) buys goods
`at a shop, firstly, a clerk inputs transaction data including the
`name of goods, quantity, price, and tax into a Point of Sales
`(POS) terminal 1 provided at the shop. Secondly, he/she
`hand his/her credit card to the clerk. Thirdly, the clerk sets
`the card to a Card reader 2. Card reader reads out informa
`tion Such as a card number and expiration date Stored in the
`card. Next, this card information is supplied to POS terminal
`1. Upon receipt the information, POS terminal 1 makes a
`request for credit by adding information on the shop (mer
`chant) to the card information and transaction data and sends
`it to a Credit Server 4 managed by a credit card company via
`a Network 3 such as Credit Finance Information Switching
`Systems (CAFIS). Credit server 4 checks the card informa
`tion included in the request sent by POS terminal 11. Finally,
`if Credit Server 4 accepts authenticity of the card, it sends a
`completion message to POS terminal 1. In Such a System, a
`consumer buys goods without carrying cash.
`0005. However, it is known that there is a security
`concern in Such a System. Since a purchaser has to hand
`his/her credit card to a clerk in paying by a credit card, there
`is a danger that unauthorized perSons improperly use the
`card. Furthermore, there is always a possibility of dropping
`off a credit card. In other words, a consumer necessarily
`takes risks that a Stranger uses his/her credit card illegally.
`0006 The present invention has been made with a view
`to overcome the above problem and it is an object of the
`present invention to provide a method, System, Server,
`terminal, computer program, and Storage medium to conduct
`electronic financial transactions.
`
`SUMMARY OF THE INVENTION
`0007 To achieve the above aim, an electronic payment
`method of the present invention comprises the Steps of:
`0008 authenticating a user of a user terminal on the
`basis of user identification information inputted to
`the user terminal by the user, by the user terminal;
`0009 storing an authentication result of the user, by
`the user terminal when the user terminal confirms
`authenticity of the user;
`0010 transmitting a user identification information
`Stored beforehand in the user terminal to a merchant
`terminal when the user terminal confirms authentic
`ity of the user, by the user terminal;
`0011 transmitting to payment device via a first
`communication network the user identification infor
`
`mation and transaction information transmitted from
`the user terminal, by the merchant terminal;
`0012 receiving the user identification information
`and the transaction information transmitted from the
`merchant terminal, by the payment device;
`0013 identifying the user terminal on the basis of
`the user identification information and transmitting
`commands for instructing transmission of the
`authentication result to the user terminal via a Second
`communication network;
`0014 transmitting authenticity of the user to the
`payment device via the Second communication net
`work if the user terminal stores authenticity of the
`user, by the user terminal; and
`0015 performing payment processing on the basis
`of the transaction information upon receipt of the
`authenticity from the user terminal, by the payment
`device.
`0016. In an electronic payment system in which the
`above method is applied, a user is able to pay by credit card
`using a terminal without handing a credit card to a clerk,
`thereby preventing a third-party including a clerk from using
`the card improperly. Furthermore, Since the user terminal
`authenticates a user, if a third-party obtains a user terminal
`improperly, the terminal cannot be used for payment in the
`electronic payment System by the third-party. Furthermore,
`the payment device identifies a user to which authentication
`result is transmitted. In other words, the only user terminal
`that the payment device Specifies can proceed payment
`processes. Thus, the danger of an improper use by a third
`party of the user terminal is reduced. Furthermore, the user
`terminal transmits an authentication result according to the
`commands Send from the payment device, in other words, a
`user does not have to operate the user terminal for the
`transmission. Therefore, the danger of Stop of payment
`processing due to misoperation by a user is prevented.
`0017. In a preferred embodiment, an electronic payment
`method of the present invention comprises the Steps of:
`0018 authenticating a user of a user terminal on the
`basis of user identification information inputted to
`the user terminal by the user, by the user terminal;
`0019 transmitting user identification information
`for identifying a user to a merchant terminal, by the
`user terminal, when the user terminal confirms
`authenticity of the user;
`0020 transmitting to a payment device via a first
`commutation network the user identification infor
`mation transmitted from the user terminal, by the
`merchant terminal;
`0021 receiving the user identification information
`from the merchant terminal, by the payment device;
`0022 identifying the user terminal referring to
`received user identification information and trans
`mitting commands for executing an application for
`payment Stored in the user terminal to identified user
`terminal via a Second communication network, by
`the payment device;
`
`Petitioner's Exhibit 1013, Page 25
`
`

`

`US 2003/0055792 A1
`
`Mar. 20, 2003
`
`0023) upon receipt of the commands, executing the
`application to transmit a request for proceeding
`payment processing to the payment device via the
`Second communication network, by the user; and
`0024 upon receipt of the request from the user
`terminal, performing a payment processing.
`In this embodiment the payment device identifies a
`0.025
`user terminal on the basis of user identification information
`and Sends commands So that the user terminal can execute
`application for payment Stored in the user terminal. In other
`Words, both a user and a user terminal are authenticated,
`thereby ensuring Security against authorized person greatly.
`In addition, a user's convenience is improved because a user
`does not have to carry out troublesome operation necessary
`for payment.
`0026 In another embodiment, an electronic payment
`method comprises the steps of:
`0027 receiving from a merchant terminal a user
`identification information for identifying a user of a
`user terminal, by a receiving unit; retrieving from a
`Storage unit a card number corresponding to the
`identified user, by a retrieving unit;
`0028) encrypting the retrieved card number, by an
`encrypting unit;
`0029 generating a key for decryption of the
`encrypted card number, by a generating unit;
`0030 transmitting to the merchant terminal the
`encrypted card number, by a first transmitting unit;
`and
`0.031) transmitting the key to a credit server man
`aged by an issuer of the credit card, by a second
`transmitting unit.
`0032). In an electronic payment system in which a method
`of this embodiment of the present invention is used, a user
`is able to pay by credit card to a merchant in a way that the
`merchant does not know a card number because a credit card
`number is encrypted for transmission to the merchant.
`Specifically, a payment device determines a card to be
`encrypted on the basis of the user identification information.
`On the other hand, the credit server obtains a card number
`by decrypting an encrypted card number using the key for
`decryption received from the payment device, thus the credit
`Server is able to carry out payment processing. Further, since
`the encrypted card number is generated each time a trans
`action is conducted, the merchant can manage sales at the
`shop using the encrypted card number although the mer
`chant does not know card numbers.
`0033) An electronic payment system of the present inven
`tion has a payment device, a merchant terminal connected
`With the payment device via a first communication network,
`and a user terminal connected with the payment device via
`a Second communication network and is characterized in
`that:
`
`0034 the user terminal authenticates a user of the
`user terminal on the basis of user identification
`information inputted to the user terminal by the user;
`0035) if authenticity of the user is confirmed, stores
`authentication result; and
`
`0036 transmits to the merchant terminal user iden
`tification information stored in the user terminal;
`0037 the merchant terminal transmits to the pay
`ment device via the first communication network the
`user identification information transmitted from the
`user terminal and transaction information;
`0038 the payment device identifies the user termi
`nal on the basis of the user identification information
`transmitted from the merchant terminal and trans
`mits to the identified user terminal via the second
`communication network commands for instructing
`transmission of the authentication result;
`0039) the user terminal transmits to the payment
`device via the Second communication network
`according to the commands transmitted from the
`payment device when the user terminal stores the
`authentication result; and
`0040 upon receipt of the authentication result from
`the user terminal, the payment device performs pay
`ment processing on the basis of the transaction
`information.
`0041) In a preferred embodiment, an electronic payment
`System of the present invention is characterized in that:
`0042 the user terminal authenticates a user on the
`basis of the user identification information inputted
`to the user terminal by the user;
`0043) if authenticity of the user is confirmed, trans
`mits to the merchant terminal a user identification
`information for identifying the user;
`0044) the merchant terminal transfers the user iden
`tification information to the payment device via the
`first communication network;
`0045 the payment device identifies the user termi
`nal on the basis of the user identification information
`and transmits to the identified user terminal via the
`Second communication network commands for
`executing an application for payment stored in the
`user terminal;
`0046) the user terminal executes the application
`according to the commands and transmits a request
`for proceeding payment processing to the payment
`device Via the Second communication network; and
`0047 the payment device performs the payment
`processing according to the request.
`0048. A communication terminal used for an electronic
`payment System of the present invention has a payment
`device connected with a first and a second communication
`network and a merchant terminal connected with the pay
`ment device via a first communication network and com
`prises:
`0049) an authenticating means for authenticating a
`user of the communication terminal on the basis of a
`user identification information inputted to the user
`terminal by the user;
`0050) a storing means for storing an authentication
`result when authenticity of the user is confirmed by
`the authenticating means;
`
`Petitioner's Exhibit 1013, Page 26
`
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`US 2003/0055792 A1
`
`Mar. 20, 2003
`
`0051 a storage medium for storing the user identi
`fication information;
`0052 a first transmitting means for transmitting,
`when authenticity of the user is confirmed, the user
`identification information Stored in the Storage
`means to the merchant terminal So that the merchant
`terminal transmits to the payment device a request
`for payment processing including the user identifi
`cation information;
`0053 a receiving means for receiving commands for
`instructing transmission of the authentication result
`which is transmitted, in response to the request for
`payment, from the payment device via the Second
`communication network, and
`0054 a second transmitting means for transmitting,
`upon receipt of the commands, a request for pro
`ceeding the payment processing including the
`authentication result to the payment device via the
`Second communication network.
`0055. In a preferred embodiment, a communication ter
`minal used for the electronic payment System comprises:
`0056 an authenticating means for authenticating a
`user of the communication terminal on the basis of a
`user identification information inputted to the user
`terminal by the user;
`0057 a first transmitting means for transmitting,
`when authenticity of the user is confirmed, the user
`identification information Stored in the Storage
`means to the merchant terminal So that the merchant
`terminal transmits to the payment device a request
`for payment processing including the user identifi
`cation information
`0058 a receiving means for receiving commands for
`executing an application for payment which is trans
`mitted from the payment device via the Second
`communication network, and
`0059 a second transmitting means for executing the
`application for payment Stored in the user terminal
`and transmitting, according to the application, a
`request for proceeding payment processing to the
`payment device via the Second communication net
`work.
`0060 A payment device of the present invention com
`prises:
`0061 a receiver for receiving a request for payment
`including a user identification information for iden
`tifying a user of a user terminal from a merchant
`terminal via a first communication network,
`0062) an identifying means for identifying the user
`terminal among registered user terminal on the basis
`of the received user identification information;
`0063 a transmitter for transmitting to the identified
`user terminal via a Second communication network
`commands for executing an application for payment
`Stored in the user terminal; and
`0064 a processing means for performing a payment
`processing on the basis of a request Sent from the
`
`user terminal via the Second communication network
`after transmission of the commands.
`0065. In another embodiment, a payment device com
`prises:
`0066 a storage unit for storing a user identification
`information for identifying a user of a user terminal
`and a card number of a credit card correspondingly,
`0067 a receiving unit for receiving from a merchant
`terminal a user identification information;
`0068 a retrieving unit for retrieving from the stor
`age unit a card number corresponding to the identi
`fied user;
`0069 an encrypting unit for encrypting the retrieved
`card number;
`0070 a generating unit for generating a key for
`decryption of the encrypted card number;
`0071 a first transmitting unit for transmitting to the
`merchant terminal the encrypted card number; and
`0072 a second transmitting unit for transmitting the
`key to a credit Server managed by an issuer of the
`credit card.
`0073. A computer program product of the present inven
`tion makes a computer incorporated into a communication
`terminal used for the electronic payment System having a
`payment device connected with a first and a Second com
`munication network and a merchant terminal connected with
`the payment device via a first communication network to
`execute the Steps of:
`0074 authenticating a user of the communication
`terminal on the basis of a user identification infor
`mation inputted to the user terminal by the user;
`0075 storing an authentication result into a storage
`means when authenticity of the user is confirmed by
`the authenticating means,
`0076 transmitting, when authenticity of the user is
`confirmed, the user identification information Stored
`in the Storage means to the merchant terminal So that
`the merchant terminal transmits to the payment
`device a request for payment processing including
`the user identification information;
`0077 receiving commands for instructing transmis
`Sion of the authentication result which is transmitted,
`in response to the request for payment, from the
`payment device via the Second communication net
`work; and
`0078 transmitting, upon receipt of the commands, a
`request for proceeding the payment processing
`including the authentication result to the payment
`device via the Second communication network.
`0079. In another embodiment, a computer program prod
`uct makes a computer to execute the Steps of:
`0080 receiving from a merchant terminal a user
`identification information for identifying a user of a
`user terminal;
`0081 retrieving from a storage unit a card number
`corresponding to the identified user;
`
`Petitioner's Exhibit 1013, Page 27
`
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`US 2003/0055792 A1
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`Mar. 20, 2003
`
`0082 encrypting the retrieved card number;
`0083 generating a key for decryption of the
`encrypted card number;
`0084 transmitting to the merchant terminal the
`encrypted card number; and
`0085 transmitting the key to a credit server man
`aged by an issuer of the credit card.
`0.086 A storage medium of the present invention stores
`the above computer program products.
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`0.087
`FIG. 1 is a conceptual block diagram to illustrate
`an electronic payment System based on the first embodiment
`of the present invention.
`0088 FIG. 2 is a block diagram to illustrate a portable
`device used in the System.
`0089 FIG.3 illustrates a UIM mounted detachably to the
`portable device.
`0090 FIG. 4 shows a storage area of EEPROM in the
`UIM.
`0091 FIG. 5 is a block diagram to illustrate a POS
`terminal and a mobile terminal used in the System.
`0092 FIG. 6 is a block diagram illustrating a payment
`gateway used in the System.
`0093 FIG. 7 illustrates data items stored in a user table
`in a hard drive of the gateway.
`0094 FIG. 8 illustrates data items stored in a transaction
`table in a hard drive of the gateway.
`0.095 FIG. 9 illustrates data items stored in an issuer
`table in a hard drive of the gateway.
`0096 FIG. 10 illustrates data items stored in a merchant
`table in a hard drive of the gateway.
`0097 FIG. 11 is a sequence flowchart illustrating pay
`ment processing in the System.
`0.098
`FIG. 12 is a flowchart illustrating a processing
`performed by the portable device.
`0099 FIG. 13 illustrates a screen displayed on a display
`of the portable device.
`0100 FIG. 14 is a flowchart illustrating a processing
`performed by the portable device.
`0101
`FIG. 15 is a flowchart illustrating a processing
`performed by the portable device.
`0102 FIG. 16 illustrates a screen displayed on a display
`of the portable device.
`0103 FIG. 17 illustrates a screen displayed on a display
`of the portable device.
`0104 FIG. 18 is a flowchart illustrating a processing
`performed by the POS terminal.
`0105 FIG. 19 is a flowchart illustrating a processing
`performed by the payment gateway.
`
`0106 FIG. 20 is a conceptual block diagram illustrating
`an electronic payment System based on a modification of the
`first embodiment.
`0107 FIG.21 illustrates an electronic payment system of
`the prior art.
`0.108
`FIG. 22 illustrates an electronic payment system
`based on the Second embodiment.
`0109 FIG. 23 illustrates an example of date items stored
`in a POS terminal.
`0110 FIG. 24 illustrates an example of date items stored
`in a credit Server.
`0111 FIG. 25 illustrates an example of date items stored
`in a Storage unit of a payment gateway.
`0112 FIG. 26 is a flowchart illustrating a method for
`payment used in the System.
`0113 FIG. 27 is a flowchart illustrating a method for
`payment used in the System.
`0114 FIG. 28 is a conceptual block diagram to illustrate
`a computer program for payment based on the Second
`embodiment.
`
`DETAILED DESCRIPTION
`0115 (First embodiment)
`0116. The first embodiment of the present invention will
`now be described referring to the drawings.
`0117 A. Configuration of the System
`0118 A-1. Overall Configuration
`0119 FIG. 1 shows that a system to which a method for
`electronic payment of the present invention based on the first
`embodiment is applied. AS shown therein, the System com
`prises (a) a POS terminal 11 connected to a communication
`network 10, (b) a payment gateway 15 connected to Com
`munication network 10, a mobile communication network
`12, and a payment network 16, (c) a portable device 14 by
`which a user obtains communication services via Mobile
`communication network 12, (d) a credit server 13 connected
`to Payment network 16, and (e) a mobile terminal 17. For the
`sake of simplicity, only one POS terminal 11 and one
`Portable device 14 is shown in the figure. In actuality, a
`plurality of POS terminals are connected to Communication
`network 10 and many portable devices are connected to
`Mobile communication network 12.
`0.120. A mobile communication network 12 includes
`mobile telephone networks in which Personal digital Cel
`lular (PDC) scheme, Code Division Multiple Access
`(CDMA) scheme, or other Schemes is used and data com
`munication networks in which PDC-Packet (PDC-P)
`Scheme is used. Each network has base Stations which are
`not shown. Each base Station covers an area and carries out
`radio communications with portable devices 14 within the
`area. Therefore, Portable device 14 is able to carry out voice
`and data communications by radio Via Mobile communica
`tion network 12. A payment gateway 15 is connected to
`Mobile communication system 12, thus Portable device 14
`is able to carry out data communications with Payment
`gateway 15.
`
`Petitioner's Exhibit 1013, Page 28
`
`

`

`US 2003/0055792 A1
`
`Mar. 20, 2003
`
`0121 A POS terminal 11 and Payment gateway 15 are
`connected via Communication network 10. Specifically,
`Communication network 10 is a dedicated line to which
`many POS terminals 11 and Gateway system 15 are con
`nected. Needless to say, Communication network 10 can be
`a fixed telephone network, a public network Such as Internet,
`or a mobile communication network (possibly Mobile com
`munication network 12).
`0122) A credit server 13 managed by a credit company
`and Gateway System 15 are connected via a payment net
`work 16. Specifically, Payment network 16 is designed
`especially for credit payment Such as Credit and Finance
`Information Switching Systems (CAFIS). Credit server 13 is
`a conventional Server for credit payment. Specifically, upon
`receipt of a request for credit transmitted by a POS terminal
`via Payment network 16, Credit server 13 checks authen
`ticity of a credit card. If the authenticity is confirmed, Server
`13 carries out a payment processing before Sending a
`completion message to the POS terminal.
`0123. An essence of the electronic transaction service
`using a method for paying electronic transactions based on
`this embodiment is as follows. When a user of Portable
`device 14 buys goods at a shop, the user uses Portable device
`14 to make request for payment to Credit server 13 via POS
`terminal 11 and Payment gateway 15. AS Such, a user is able
`to pay without handing a credit card to others including a
`clerk. Components of this system will be described in detail
`below.
`0124 A-2. Portable Device
`0.125
`Portable device 14 has a function of carrying out
`wireleSS Voice and data communications via Mobile com
`munication network 12. Further, it has a function of carrying
`out short-range radio communication using Bluetooth, for
`example, to carry out data communications with POS ter
`minal. In addition, the device 14 is able to mount a User
`Identity Module (UIM) detachably.
`0126. As shown in FIG. 2, Portable device 14 ha