WO2008129628A1 - 電子決済システム - Google Patents

電子決済システム Download PDF

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Publication number
WO2008129628A1
WO2008129628A1 PCT/JP2007/057967 JP2007057967W WO2008129628A1 WO 2008129628 A1 WO2008129628 A1 WO 2008129628A1 JP 2007057967 W JP2007057967 W JP 2007057967W WO 2008129628 A1 WO2008129628 A1 WO 2008129628A1
Authority
WO
WIPO (PCT)
Prior art keywords
settlement
card
electronic settlement
electronic
symbol
Prior art date
Application number
PCT/JP2007/057967
Other languages
English (en)
French (fr)
Inventor
Junko Suginaka
Original Assignee
Junko Suginaka
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Junko Suginaka filed Critical Junko Suginaka
Priority to US12/450,693 priority Critical patent/US8261970B2/en
Priority to PCT/JP2007/057967 priority patent/WO2008129628A1/ja
Priority to JP2009510666A priority patent/JPWO2008129628A1/ja
Publication of WO2008129628A1 publication Critical patent/WO2008129628A1/ja

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

　電子決済のためのカード等を持っている客が決済のための操作をしなくても、そのカード等の個人識別情報による与信処理を予め行うことができ、したがって、レジでの決済の時にはホストとの通信を省き、短時間で決済することができる電子決済システムを提供することを目的として、ＩＣカードを内蔵する携帯電話機１のＩＤ記号を中距離通信機能１２、３１によって検知して決済サーバ４からユーザの認証データ、使用上限金額を店舗サーバ３に導入して予め記憶して与信しておき、決済端末２がＩＣカード１１のＩＣカードＩＤ記号を検知したら前記店舗サーバ３に記憶されている前記認証データを用いて前記ＩＣカード１１を認証し、使用上限金額の範囲内の買物の決済をすることを特徴とする電子決済システム。
PCT/JP2007/057967 2007-04-11 2007-04-11 電子決済システム WO2008129628A1 (ja)

Priority Applications (3)

Application Number Priority Date Filing Date Title
US12/450,693 US8261970B2 (en) 2007-04-11 2007-04-11 Wireless payment system having long range crediting and short range payment approval
PCT/JP2007/057967 WO2008129628A1 (ja) 2007-04-11 2007-04-11 電子決済システム
JP2009510666A JPWO2008129628A1 (ja) 2007-04-11 2007-04-11 電子決済システム

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/JP2007/057967 WO2008129628A1 (ja) 2007-04-11 2007-04-11 電子決済システム

Publications (1)

Publication Number Publication Date
WO2008129628A1 true WO2008129628A1 (ja) 2008-10-30

Family

ID=39875176

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/JP2007/057967 WO2008129628A1 (ja) 2007-04-11 2007-04-11 電子決済システム

Country Status (3)

Country Link
US (1) US8261970B2 (ja)
JP (1) JPWO2008129628A1 (ja)
WO (1) WO2008129628A1 (ja)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2013246580A (ja) * 2012-05-24 2013-12-09 Japan Research Institute Ltd 与信審査システム、与信審査方法、及び店舗端末
JP2015176194A (ja) * 2014-03-13 2015-10-05 キヤノン株式会社 情報処理装置、情報処理方法、及びプログラム、並びに情報処理システム

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP4879259B2 (ja) * 2008-12-19 2012-02-22 株式会社エヌ・ティ・ティ・ドコモ 端末装置及びアプリケーション一覧表示方法
BR112013015893A2 (pt) * 2010-12-23 2018-06-05 Ebay Inc método, sistema, e, meio legível por máquina não transitório.
CN103093340B (zh) * 2011-11-07 2015-10-28 深圳一卡通新技术有限公司 基于异步通讯技术的动态支付系统和方法
US20130151362A1 (en) * 2011-12-07 2013-06-13 Nir Steel System and Method of Express Purchasing
US9443268B1 (en) 2013-08-16 2016-09-13 Consumerinfo.Com, Inc. Bill payment and reporting
US10325314B1 (en) 2013-11-15 2019-06-18 Consumerinfo.Com, Inc. Payment reporting systems
US20200074100A1 (en) 2018-09-05 2020-03-05 Consumerinfo.Com, Inc. Estimating changes to user risk indicators based on modeling of similarly categorized users

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002063527A (ja) * 2000-08-23 2002-02-28 Sony Corp 情報処理装置および方法、課金処理システムおよび方法、並びに記録媒体
JP2005267165A (ja) * 2004-03-18 2005-09-29 Toppan Printing Co Ltd 商品購入システム
JP2006023951A (ja) * 2004-07-07 2006-01-26 Sony Ericsson Mobilecommunications Japan Inc 情報処理システム、情報処理方法及び情報処理装置
JP2006195921A (ja) * 2005-01-17 2006-07-27 Junko Suginaka 電子貨幣発行システム

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7774231B2 (en) * 2000-09-29 2010-08-10 Nokia Corporation Electronic payment methods for a mobile device
JP2004214994A (ja) * 2002-12-27 2004-07-29 Matsushita Electric Ind Co Ltd 情報処理装置及びその機器及び通信機器
AU2005299252B2 (en) * 2004-10-26 2012-01-19 The Coca-Cola Company Transaction system and method
US7780081B1 (en) * 2005-01-03 2010-08-24 RCL Products, Inc. System and method for security protection, inventory tracking and automated shopping cart checkout

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002063527A (ja) * 2000-08-23 2002-02-28 Sony Corp 情報処理装置および方法、課金処理システムおよび方法、並びに記録媒体
JP2005267165A (ja) * 2004-03-18 2005-09-29 Toppan Printing Co Ltd 商品購入システム
JP2006023951A (ja) * 2004-07-07 2006-01-26 Sony Ericsson Mobilecommunications Japan Inc 情報処理システム、情報処理方法及び情報処理装置
JP2006195921A (ja) * 2005-01-17 2006-07-27 Junko Suginaka 電子貨幣発行システム

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2013246580A (ja) * 2012-05-24 2013-12-09 Japan Research Institute Ltd 与信審査システム、与信審査方法、及び店舗端末
JP2015176194A (ja) * 2014-03-13 2015-10-05 キヤノン株式会社 情報処理装置、情報処理方法、及びプログラム、並びに情報処理システム

Also Published As

Publication number Publication date
US8261970B2 (en) 2012-09-11
US20100044428A1 (en) 2010-02-25
JPWO2008129628A1 (ja) 2010-07-22

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