as) United States
`a2) Patent Application Publication (10) Pub. No.: US 2005/0009564 Al
`(43) Pub. Date: Jan. 13, 2005
`
`Hayaashiet al.
`
`US 20050009564A1
`
`(54) COMMUNICATION SYSTEM, SETTLEMENT
`MANAGEMENT APPARATUS AND METHOD,
`PORTABLE INFORMATION TERMINAL AND
`INFORMATION PROCESSING METHOD,
`AND PROGRAM
`
`(30)
`
`Foreign Application Priority Data
`
`Mar. 19, 2003
`
`(JP) ..eeeeccescsescsccsneseteessenseenee 2003-076190
`
`Publication Classification
`
`(75)
`
`Inventors: Hirofumi Hayaashi, Kanagawa (JP);
`Kohei Yokota, Kanagawa (JP); Toru
`Kuwahara, Kanagawa (JP)
`
`Correspondence Address:
`OBLON, SPIVAK, MCCLELLAND, MAIER &
`NEUSTADT, P.C.
`1940 DUKE STREET
`
`ALEXANDRIA, VA 22314 (US)
`
`(73) Assignee: Sony Corporation, Tokyo (JP)
`
`(21) Appl. No.:
`
`10/800,685
`
`(22)
`
`Filed:
`
`Mar. 16, 2004
`
`Ente C07 caccccssesssssssssnsssssetistsnssnssstve HO04M 1/00
`(ST)
`(52) US. Ch.
`ceeescssssssssstsessessstnstvasnetnstnssvesse 455/558
`(57)
`ABSTRACT
`The present invention provides a communication system that
`enables safe and easy addition of a function for use of credit
`card settlement services to a portable information terminal.
`In this system, if a user brings his credit card close to the
`portable information terminal, the portable informationter-
`minal reads a card ID stored in a contactless IC card
`
`provided in the credit card. Then, the card ID is transmitted
`to a card management system which checks whether or not
`the card ID is valid. If confirming that the card ID is valid,
`the card managementsystem instructs the portable informa-
`tion terminal to write the card ID thereto. If the user places
`an order of a merchandize, the card ID written to the portable
`information terminal is provided therefrom to use credit card
`settlement services.
`
`ADVERTISEMENT POSTER
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`IPR2022-01240
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`"TVSHOPPING SETTLEMENT
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`IPR2022-01240
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`
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`

`

`Patent Application Publication Jan. 13,2005 Sheet 2 of 23
`
`US 2005/0009564 Al
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`DIGITAL CAMERA
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`IPR2022-01240
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`Patent Application Publication Jan. 13,2005 Sheet 3 of 23
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`US 2005/0009564 Al
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`Apple EX1004 Page 5
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`Patent Application Publication Jan. 13,2005 Sheet 5 of 23
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`Apple EX1004 Page 6
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`IPR2022-01240
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`Patent Application Publication Jan. 13,2005 Sheet 7 of 23
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`IPR2022-01240
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`Patent Application Publication Jan. 13,2005 Sheet 8 of 23
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`US 2005/0009564 Al
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`IPR2022-01240
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`IPR2022-01240
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`

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`Patent Application Publication Jan. 13,2005 Sheet 9 of 23
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`US 2005/0009564 Al
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`Patent Application Publication Jan. 13,2005 Sheet 10 of 23
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`US 2005/0009564 Al
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`IPR2022-01240
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`Patent Application Publication Jan. 13,2005 Sheet 11 of 23
`
`US 2005/0009564 Al
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`FIG.11
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`REQUEST OF REGISTRATION
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`IPR2022-01240
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`Patent Application Publication Jan. 13,2005 Sheet 12 of 23
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`US 2005/0009564 Al
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`FIG.12A
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`IPR2022-01240
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`Patent Application Publication Jan. 13,2005 Sheet 13 of 23
`
`US 2005/0009564 Al
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`Patent Application Publication Jan. 13,2005 Sheet 14 of 23
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`US 2005/0009564 Al
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`IPR2022-01240
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`Patent Application Publication Jan. 13,2005 Sheet 15 of 23
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`US 2005/0009564 Al
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`IPR2022-01240
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`Patent Application Publication Jan. 13,2005 Sheet 16 of 23
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`US 2005/0009564 Al
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`FIG.16
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`IPR2022-01240
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`Patent Application Publication Jan. 13,2005 Sheet 17 of 23
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`
`
`US 2005/0009564 Al
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`IPR2022-01240
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`Patent Application Publication Jan. 13,2005 Sheet 18 of 23
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`US 2005/0009564 Al
`
`FIG.18
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`‘SETTLEMENT
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`(MOBILE PHONE)
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`IPR2022-01240
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`Patent Application Publication Jan. 13,2005 Sheet 19 of 23
`
`US 2005/0009564 Al
`
`FIG19. ~
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`IPR2022-01240
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`Patent Application Publication Jan. 13,2005 Sheet 20 of 23
`
`US 2005/0009564 Al
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`IPR2022-01240
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`
`Patent Application Publication Jan. 13, 2005 Sheet 21 of 23
`US 2005/0009564 Al
`
`F I G. 2 1
`
`1 1
`
`ORDER ACKNOWLEDGEMENT
`MAIL
`
`NAME OF ORDERED
`MERCHANDIZE :Dsc�x
`
`PRICE :¥30,000
`
`NUMBER OF
`MERCHANDIZES:1
`
`PERSON PLACED
`ORDER • :YAMADA
`
`SHIPPING
`ADDRESS :TOKYO···
`
`WOULD YOU LIKE TO
`CONFIRM ORDER?
`
`OK
`
`321
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`Patent Application Publication Jan. 13,2005 Sheet 22 of 23
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`US 2005/0009564 Al
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`IPR2022-01240
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`Patent Application Publication Jan. 13,2005 Sheet 23 of 23
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`US 2005/0009564 Al
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` -FIG.23A
`
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`DIGITAL CAMERA
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`NOW ON SALE.
`
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`PERSONAL COMPUTER
`NOW ON SALE
`
`351A
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`351B
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`352
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`US 2005/0009564 Al
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`Jan. 13, 2005
`
`COMMUNICATION SYSTEM, SETTLEMENT
`MANAGEMENT APPARATUS AND METHOD,
`PORTABLE INFORMATION TERMINAL AND
`INFORMATION PROCESSING METHOD, AND
`PROGRAM
`
`CROSS REFERENCES TO RELATED
`APPLICATIONS
`
`[0001] The present invention claimspriority to its priority
`document No. 2003-076190 filed in the Japanese Patent
`Office on Mar. 19, 2003, the entire contents of which being
`incorporated by reference herein.
`
`INCORPORATION BY REFERENCE
`
`BACKGROUND OF THE INVENTION
`
`[0002]
`
`1. Field of the Invention
`
`[0003] The present invention generally relates to a com-
`munication system, settlement management apparatus and
`method, and a program. More particularly,
`the present
`invention relates to a communication system, settlement
`management apparatus and method, and a program, which
`enable addition of a function of using credit settlement
`services to a portable information terminal more safely and
`easily.
`
`[0004]
`
`2. Description of Related Art
`
`[0005] Recently, along with dissemination of commercial
`transaction conducted over the Internet, there have been
`realized or proposed various kinds of systems for settlement
`of purchased merchandizes.
`
`[0006] For example, a settlement system using a credit
`card embedded with an IC chip has already been realized
`and is becoming widespread.
`
`In this case, just placing a user’s credit card on a
`[0007]
`reader/writer connected to a personal computer enables the
`user to encrypt information, which represents a credit card
`number, an expiration date and so on and is stored in a
`memory of the IC chip built in the card, and to transmit the
`encrypted information to a server that manages the settle-
`ment.
`
`[0008] This can prevent leakage of a credit card number,
`which has been a problem in a case of simply and directly
`entering the card numberin a browser.
`
`[0009] Further, it has been proposed that a mobile phone
`of a customer having purchased a merchandize is used for
`settlement in a commercial transaction conducted over the
`Internet (see Japanese Patent Application Publication Laid-
`Open No. 2002-56338 (hereunder referred to as Patent
`Document1)).
`
`In a settlement system described in the Patent
`[0010]
`Document 1, information concerning a bank account of the
`customeris obtained from the phone numberof the mobile
`phoneused for requesting settlement. Then, charging thereto
`is performed. Thus,
`the settlement can be made without
`transmission/receipt of private information concerning the
`card numberand soforth.
`
`SUMMARYOF THE INVENTION
`
`[0011] However,to utilize the settlement system described
`in the Patent Document1, a user should register information,
`
`such as a phone numberof his own mobile phone and a bank
`account, in a server that manages the system. It is anticipated
`that some users mayfeel resistance to registering the infor-
`mation on these items.
`
`[0012] That is, even it is inevitable to register the infor-
`mation concerning the bank account and the credit card
`therein because the settlement for the purchased merchan-
`dize should be performed, many of users are not willing to
`provide additional private information concerning items
`other than the bank account and the credit card to anyone
`else (including the server and the like).
`
`[0013] Thus, it has been considered that information on a
`credit card numberand so on is preliminarily stored directly
`in anIC chip or memory incorporated in a mobile phone, and
`that thereafter,
`the settlement is performed by using the
`stored information. However, this technique has a drawback
`in thatit is not an easy task to properly store the information
`while ensuring security.
`
`[0014] For instance, If a user is permitted to register
`information concerning a card number and an expiration
`date of his own card and so on directly in a mobile phone by
`operating the mobile phone, the system cannot prevent what
`is called spoofing. That
`is, a rigger can easily perform
`spoofing by inputting the card number and the expiration
`date of other people’s credit card.
`
`Ina case of using a related credit card incorporat-
`[0015]
`ing an IC chip, the credit card is issued in a state in which
`information on the credit card number is stored therein.
`Thus, in this case, the above-mentioned drawback doesnot
`occur. However, in the case of newly adding a credit card
`function to a mobile phoneorthe like that a user already has,
`the above-mentioned drawback occurs.
`
`[0016] Alternatively, a credit card issuing corporation may
`ask a user to send his mobile phonesoasto store credit card
`information in an IC chip of the user’s mobile phone on
`behalf of the user. However, this technique is impractical.
`
`[0017] Accordingly, it is desirable to have a measure that
`enables safer and easier addition of a credit settlement
`
`function to a portable information terminal. The present
`invention is accomplished in view of these circumstances.
`
`[0018] According to an embodimentof the present inven-
`tion, there is provided a first communication system, which
`includes a settlement management apparatus that includes
`judging means for judging whether or not
`identification
`information assigned to a user of the portable information
`terminal and used for predetermined settlement is valid for
`using credit services which the user uses, and a storage
`controller for storing, the identification information in the
`portable information terminal if the judging means decides
`that the identification information is valid.
`
`[0019] The first communication system of the present
`embodiment may further includes a portable information
`terminal that includes a reader for reading the identification
`information from an IC chip providedin a credit card issued
`from an issuer providing the credit services through wireless
`communication, and storing means for
`transmitting the
`identification information read by the reader to the settle-
`ment management apparatus and for storing the identifica-
`tion information based on an instruction issued by the
`
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`Jan. 13, 2005
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`settlement management apparatusif it is confirmed that the
`identification information is valid.
`
`[0020] According to another embodiment of the present
`invention, there is provided a second communication sys-
`tem, which includes a settlement managementapparatusthat
`includes judging means for judging whether or not identi-
`fication information assigned to a user of the portable
`information terminal and used for predetermined settlement
`is valid for using credit services which the user uses, and a
`storage controller for storing, if the judging means decides
`that the identification information is valid, the identification
`information in the portable information terminal.
`
`[0021] The second communication system of the present
`embodiment may further includes a portable information
`terminal that includes a transmitter for transmitting user
`identifying information, according to which a user is iden-
`tified, to the settlement management apparatus, and storing
`meansfor storing the identification information provided by
`the settlement management apparatus if the identification
`information managed by the settlement management appa-
`ratus in such a way as to be associated with the user
`identifying information transmitted by the transmitter is
`decided to be valid.
`
`[0022] According to another embodiment of the present
`invention, there is provided a settlement management appa-
`ratus, which includes judging meansfor judging whether or
`notidentification information assignedto a user of a portable
`information terminal and used for predetermined settlement
`is valid for using credit services which the user uses, and a
`storage controller for storing, if the judging means decides
`that the identification information is valid, the identification
`information in the portable information terminal.
`
`In the settkement management apparatus of the
`[0023]
`present embodiment, the judging means may decide whether
`or not
`the identification information read and provided
`through wireless communication from an IC chip provided
`in a credit card issued by an issuer for providing the credit
`services is valid.
`
`the
`[0024] The settlement management apparatus of
`present embodiment may further include a manager for
`managingthe identification information in such a wayas to
`be associated with user identifying information according to
`which the user is identified.
`In this settle management
`apparatus, the judging means mayassociate the identifica-
`tion information with the user identifying information trans-
`mitted from the portable information terminal and decides
`whetherornotthe identification information managed by the
`manageris valid.
`
`[0025] According to another embodiment of the present
`invention,
`there is provided a settlement management
`method that includes a judging step of judging whether or
`notidentification information assignedto a user of a portable
`information terminal and used for predetermined settlement
`is valid for using credit services which the user uses, and a
`storage control step of storing,if it is decided in the judging
`step that the identification information is valid, the identi-
`fication information in the portable information terminal.
`
`[0026] According to another embodiment of the present
`invention,
`there is provided a first program includes a
`judging step of judging whetheror notidentification infor-
`mation assigned to a user of a portable information terminal
`
`and used for predetermined settlement is valid for using
`credit services which the user uses, and a storage control
`step of storing, if it is decided in the judging step that the
`identification information is valid, the identification infor-
`mation in the portable information terminal.
`
`[0027] According to another embodiment of the present
`invention,
`there is provided a first portable information
`terminal that includes a reader for reading identification
`information, which is assigned to a user and used for
`predetermined settlement, from an IC chip provided in a
`credit card issued from an issuer providing credit services
`which the user uses, through wireless communication, and
`storing meansfor transmitting the identification information
`read by the reader to a settlement management apparatus,
`which managessettlement to be performed according to the
`identification information, and for storing the identification
`information based on an instruction issued by the settlement
`management apparatusif it is confirmed that the identifica-
`tion information is valid.
`
`[0028] The first portable information terminal of the
`present embodiment may further include acquisition means
`for acquiring a predetermined application provided from the
`settlement management apparatus, and a controller, imple-
`mented by the application acquired by the acquisition
`means, for controlling encrypting and/or decoding of com-
`munication performed between the settlement management
`apparatus and the terminal.
`
`[0029] According to another embodiment of the present
`invention, there is provided a first information processing
`method that includes a reading step of reading identification
`information, which is assigned to a user and used for
`predetermined settlement, from an IC chip provided in a
`credit card issued from an issuer providing credit services
`whichthe user uses, through wireless communication, and a
`storing step of transmitting the identification information
`read in the reading step to a settlement management appa-
`ratus, which managessettlement to be performed according
`to the identification information, and for storing the identi-
`fication information based on an instruction issued by the
`settlement management apparatusif it is confirmed that the
`identification information is valid.
`
`[0030] According to another embodiment of the present
`invention, there is provided a second program that includes
`a reading step of reading identification information, which is
`assigned to a user and used for predetermined settlement,
`from an IC chip provided in a credit card issued from an
`issuer providing credit services which the user uses, through
`wireless communication, and a storing step of transmitting
`the identification information read in the reading step to a
`settlement management apparatus, which managessettle-
`ment to be performed according to the identification infor-
`mation, and for storing the identification information based
`on an instruction issued by the settlement management
`apparatus if it is confirmed that the identification informa-
`tion is valid.
`
`[0031] According to another embodiment of the present
`invention, there is provided a second portable information
`terminal that includes a transmitter for transmitting user
`identifying information, according to which a useris iden-
`tified, to a settlement management apparatus, which man-
`ages settlement to be performed according to identification
`information assigned to the user by using predetermined
`
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`US 2005/0009564 Al
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`Jan. 13, 2005
`
`credit services which the user uses, and storing means for
`storing the identification information provided bythesettle-
`ment managementapparatus if the identification information
`managed bythe settlement managementapparatus in such a
`wayas to be associated with the user identifying information
`transmitted by the transmitter is decided to be valid.
`
`[0032] The second portable information terminal of the
`present embodiment may further include acquisition means
`for acquiring a predetermined application provided from the
`settlement management apparatus, and a controller, imple-
`mented by the application acquired by the acquisition
`means, for controlling encrypting or decoding of commu-
`nication performed between the settlement management
`apparatus and the terminal.
`
`[0033] According to another embodiment of the present
`invention, there is provided a second information processing
`methodthat includes a transmitting step of transmitting user
`identifying information, according to which a user is iden-
`tified, to a settlement management apparatus, which man-
`ages settlement to be performed according to identification
`information assigned to the user by using predetermined
`credit services which the user uses, and storing means for
`storing the identification information provided bythesettle-
`ment managementapparatus if the identification information
`managed bythe settlement managementapparatus in such a
`wayas to be associated with the user identifying information
`transmitted in the transmitting step is decided to be valid.
`
`[0034] According to another embodiment of the present
`invention, there is provided a third program that includes a
`transmitting step of transmitting user identifying informa-
`tion, according to which a useris identified, to a settlement
`management apparatus, which managessettlement to be
`performed according to identification information assigned
`to the user by using predetermined credit services which the
`user uses, and a storing step of storing the identification
`information provided by the settlement management appa-
`ratusif the identification information managedbythesettle-
`ment management apparatus in such a wayasto be associ-
`ated with the user identifying information transmitted in the
`transmitting step is decided to be valid.
`
`In the settlement management apparatusof thefirst
`[0035]
`communication system of the present embodiment,
`the
`judging means judges whether or not identification infor-
`mation assigned to a user of the portable information ter-
`minal and used for predetermined settlement is valid for
`using credit services which the user uses. If the judging
`means decides that the identification information is valid,
`the storage controller causes the portable information ter-
`minal to store the identification information. In the portable
`information terminal, the reader read the identification infor-
`mation from an IC chip provided in a credit card issued from
`an issuer providing the credit services through wireless
`communication. The storing meanstransmits the read iden-
`tification information to the settlement management appa-
`ratus. If it is confirmed that the identification information is
`valid, the storing meansstores the identification information
`based on an instruction issued by the settlement manage-
`ment apparatus.
`
`is valid for using credit services to which the user join.If the
`judging meansdecidesthat the identification information is
`valid, the storage controller causes the portable information
`terminal to store the identification information. In the por-
`table information terminal,
`the transmitter transmits user
`identifying information, according to which a useris iden-
`tified, to the settlement management apparatus. If the iden-
`tification information managed by the settlement manage-
`ment apparatus in such a way asto be associated with the
`user identifying information transmitted by the transmitter is
`decided to be valid, the storing means stores the identifica-
`tion information provided by the settlement management
`apparatus.
`
`Inthe settlement management apparatus,the settle-
`[0037]
`ment management method and the program accordingto the
`present embodiments, it is judged whether or not identifi-
`cation information assigned to a user of a portable informa-
`tion terminal and used for predetermined settlement is valid
`for using credit services which the user uses. If the it is
`decided that
`the identification information is valid,
`the
`identification information is stored in the portable informa-
`tion terminal.
`
`In the first portable information terminal, the infor-
`[0038]
`mation processing method and the program of the present
`embodiments,identification information, which is assigned
`to a user and used for predetermined settlement, is read from
`an IC chip provided in a credit card issued from an issuer
`providing credit services which the user uses, through wire-
`less communication. The identification information read is
`
`transmitted to a settlement management apparatus, which
`manages settlement to be performed according to the iden-
`tification information. The identification information is
`
`stored based on an instruction issued by the settlement
`management apparatusif it is confirmed that the identifica-
`tion information is valid.
`
`In the second portable information terminal, the
`[0039]
`information processing method and the program according
`to the present embodiments, user identifying information,
`according to which a useris identified, is transmitted to a
`settlement management apparatus, which managessettle-
`mentto be performed accordingto identification information
`assigned to the user by using predetermined credit services
`whichthe user uses. The identification information provided
`by the settlement management apparatus is stored if the
`identification information managed by the settlement man-
`agement apparatus in such a wayasto be associated with the
`user identifying information transmitted is decided to be
`valid.
`
`[0040] According to the above-described embodiments of
`the present invention, safer settlement may be achieved by
`using a portable information terminal.
`
`[0041] Further, according to the above-described embodi-
`ments of the present invention, addition of settlement ser-
`vices to a portable information terminal is more safely and
`easily achieved.
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`Inthe second communication system of the present
`[0036]
`embodiment,
`the judging means judges whether or not
`identification information assigned to a user of the portable
`information terminal and used for predetermined settlement
`
`[0042] These and other objects, features and advantages of
`the present invention will become more apparentin light of
`the following detailed description of a best mode embodi-
`ment thereof, as illustrate