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"Payment System, Payment Terminal, Payment Method, Payment Program, and Computer-Readable Recording Medium for Recording Same Program" in Patent...

August 7, 2014



"Payment System, Payment Terminal, Payment Method, Payment Program, and Computer-Readable Recording Medium for Recording Same Program" in Patent Application Approval Process

By a News Reporter-Staff News Editor at Computer Weekly News -- A patent application by the inventor Akashika, Hideki (Shinagawa-ku, JP), filed on October 1, 2012, was made available online on July 24, 2014, according to news reporting originating from Washington, D.C., by VerticalNews correspondents.

This patent application is assigned to Rakuten, Inc.

The following quote was obtained by the news editors from the background information supplied by the inventors: "A device capable of having a plurality of types of electronic money functions to be used for a settlement process is proposed. The IC chip in the mobile device disclosed in Patent Literature 1 is equipped with a plurality of applications for electronic money service providers (electronic money functions).

"For example, when a payment process is made at a store, the mobile device is placed on an electronic money terminal located in the store, and the electronic money terminal sequentially inquires to the IC chip of the mobile device about whether the IC chip is equipped with the electronic money functions that are available in the electronic money terminal. Then, the electronic money terminal displays the electronic money types available in the electronic money terminal, which are found as a result of the inquiries, among the electronic money functions incorporated in the mobile device on a display device and allows a user of the mobile device to select one electronic money to use."

In addition to the background information obtained for this patent application, VerticalNews journalists also obtained the inventor's summary information for this patent application: "Technical Problem

"In the system disclosed in Patent Literature 1, the terminal having a function of sequentially making inquiries about acceptable electronic values inquires to the IC chip about the presence of each of the electronic value functions regardless of whether or not those electronic value functions are available in the IC chip. Further, because the system waits for a response for a specified period of time from sending an inquiry, the 'specified period of time' results in the useless waiting time in the case where there is no response to the inquiry.

"The problem to be solved by the present invention is to reduce the time required for inquiries by the settlement terminal having a function of sequentially making inquiries about acceptable electronic values.

"Solution to Problem

"A settlement system according to one aspect of the invention includes a payment terminal including a plurality of payment means each configured to perform a payment process and a settlement terminal including an inquiry means configured to sequentially inquire to the payment terminal about each of a plurality of acceptable payment means and accepting the payment process, performed by one payment means specified among payment means confirmed to be present by the inquiry means, by using a settlement means corresponding to the one payment means, wherein the payment terminal further includes a storage means configured to store limitation information contributing to limitation of acceptable payment means by the settlement terminal, and the settlement terminal further includes a limitation information acquisition means configured to acquire the limitation information stored in the storage means, and a stopping means configured to stop inquiries of the inquiry means when presence of payment means limited by the limitation information acquired by the limitation information acquisition means is confirmed by the inquiry means.

"In the settlement system according to another aspect, the limitation information stored in the storage means may include the number of types of payment means usable for the payment process in the payment terminal, and the stopping means stops inquiries by the inquiry means when presence of the same number of payment means as indicated by the number of types included in the limitation information acquired by the limitation information acquisition means is confirmed by the inquiry means.

"In the settlement system according to another aspect, the payment terminal may further includes a specifying information acquisition means configured to acquire specifying information corresponding to position information indicating a current position of the payment terminal acquired by a positioning means from a recording means configured to store specifying information specifying one or a plurality of payment means acceptable in the settlement terminal located near a position in association with position information indicating the position, and a means configured to store the number of overlaps between one or a plurality of payment means specified by the specifying information acquired by the specifying information acquisition means and payment means usable for the payment process in the payment terminal as the number of types into the storage means.

"In the settlement system according to another aspect, the limitation information stored in the storage means may include identification information capable of identifying the payment means, and the stopping means may stop inquiries by the inquiry means when presence of all payment means identified by the identification information included in the limitation information acquired by the limitation information acquisition means is confirmed by the inquiry means.

"In the settlement system according to another aspect, the limitation information stored in the storage means may include order information indicating priorities of the plurality of payment means, and the payment terminal may further include a specifying information acquisition means configured to acquire specifying information corresponding to position information indicating a current position of the payment terminal acquired by a positioning means from a specifying information storage means configured to store specifying information specifying one or a plurality of payment means acceptable in the settlement terminal located near a position in association with position information indicating the position, and a means configured to select one payment means with highest priority indicated by the order information stored in the storage means among one or a plurality of payment means specified by the specifying information acquired by the specifying information acquisition means and store identification information of the selected one payment means into the storage means.

"In the settlement system according to another aspect, the payment terminal may further include a specifying information acquisition means configured to acquire specifying information corresponding to position information indicating a current position of the payment terminal acquired by a positioning means from a recording means configured to store specifying information specifying one or a plurality of payment means acceptable in the settlement terminal located near a position in association with position information indicating the position, and a means configured to store identification information of payment means overlapping between one or a plurality of payment means specified by the specifying information acquired by the specifying information acquisition means and payment means usable for the payment process in the payment terminal into the storage means.

"A settlement terminal according to one aspect of the invention is a settlement terminal including an inquiry means configured to sequentially inquire to a payment terminal including a plurality of payment means each configured to perform a payment process about each of a plurality of acceptable payment means and accepting the payment process performed by one payment means, specified among payment means confirmed to be present by the inquiry means, by using a settlement means corresponding to the one payment means, the settlement terminal further including a limitation information acquisition means configured to acquire, from the payment terminal further including a storage means configured to store limitation information contributing to limitation of acceptable payment means by the settlement terminal, the limitation information stored in the storage means, and a stopping means configured to stop inquiries by the inquiry means when presence of payment means limited by the limitation information acquired by the limitation information acquisition means is confirmed by the inquiry means.

"A settlement method according to one aspect of the invention is a settlement method executed by a settlement terminal including an inquiry means configured to sequentially inquire to a payment terminal including a plurality of payment means each configured to perform a payment process about each of a plurality of acceptable payment means and accepting the payment process performed by one payment means, specified among payment means confirmed to be present by the inquiry means, by using a settlement means corresponding to the one payment means, the method including a limitation information acquisition step of acquiring, from the payment terminal further including a storage means configured to store limitation information contributing to limitation of acceptable payment means by the settlement terminal, the limitation information stored in the storage means, and a stopping step of stopping inquiries by the inquiry means when presence of payment means limited by the limitation information acquired in the limitation information acquisition step is confirmed by the inquiry means.

"A settlement program according to one aspect of the invention causes a settlement terminal including an inquiry means configured to sequentially inquire to a payment terminal including a plurality of payment means each configured to perform a payment process about each of a plurality of acceptable payment means and accepting the payment process performed by one payment means, specified among payment means confirmed to be present by the inquiry means, by using a settlement means corresponding to the one payment means to implement a limitation information acquisition function of acquiring, from the payment terminal further including a storage means configured to store limitation information contributing to limitation of acceptable payment means by the settlement means, the limitation information stored in the storage means, and a stopping function of stopping inquiries by the inquiry means when presence of payment means limited by the limitation information acquired by the limitation information acquisition function is confirmed by the inquiry means.

"A computer-readable recording medium according to one aspect of the invention stores a settlement program causing a settlement terminal including an inquiry means configured to sequentially inquire to a payment terminal including a plurality of payment means each configured to perform a payment process about each of a plurality of acceptable payment means and accepting the payment process performed by one payment means, specified among payment means confirmed to be present by the inquiry means, by using a settlement means corresponding to the one payment means to implement a limitation information acquisition function of acquiring, from the payment terminal further including a storage means configured to store limitation information contributing to limitation of acceptable payment means by the settlement terminal, the limitation information stored in the storage means, and a stopping function of stopping inquiries by the inquiry means when presence of payment means limited by the limitation information acquired by the limitation information acquisition function is confirmed by the inquiry means.

"Advantageous Effects of Invention

"In the present invention, limitation information contributing to limitation of acceptable payment means is acquired in advance from a payment terminal, and inquiries are stopped at the point of time when the presence of payment means limited by the limitation information is confirmed.

"Therefore, according to the present invention, the time required for inquiries by the settlement terminal having a function of sequentially making inquiries about acceptable electronic values is reduced.

BRIEF DESCRIPTION OF DRAWINGS

"FIG. 1 is a procedure explanatory diagram illustrating the procedure of a preparation process performed prior to a settlement process in a settlement system according to a first embodiment.

"FIG. 2 is a procedure explanatory diagram illustrating a part of the procedure of the settlement process in the settlement system after the preparation process.

"FIG. 3 is a block diagram illustrating the configuration of the settlement system.

"FIG. 4 is a block diagram showing the physical configuration of a mobile terminal included in the settlement system.

"FIG. 5 is a block diagram showing the physical configuration of a reader/writer included in the settlement system.

"FIG. 6 is a flowchart showing the flow of the preparation process performed prior to the settlement process in the settlement system.

"FIG. 7 is a flowchart showing a part of the flow of the settlement process in the settlement system after the preparation process.

"FIG. 8 is a procedure explanatory diagram illustrating the procedure of a preparation process performed prior to a settlement process in a settlement system according to a second embodiment.

"FIG. 9 is a procedure explanatory diagram illustrating the procedure of the settlement process in the settlement system after the preparation process.

"FIG. 10 is a block diagram illustrating the configuration of the settlement system.

"FIG. 11 is a flowchart showing the flow of the preparation process performed prior to the settlement process in the settlement system.

"FIG. 12 is a flowchart showing the flow of the settlement process in the settlement system 200 after the preparation process.

"FIG. 13 is a procedure explanatory diagram illustrating the procedure of a preparation process performed prior to a settlement process in a settlement system according to a third embodiment.

"FIG. 14 is a block diagram illustrating the configuration of the mobile terminal included in the settlement system.

"FIG. 15 is a flowchart showing the flow of the preparation process performed prior to the settlement process in the settlement system."

URL and more information on this patent application, see: Akashika, Hideki. Payment System, Payment Terminal, Payment Method, Payment Program, and Computer-Readable Recording Medium for Recording Same Program. Filed October 1, 2012 and posted July 24, 2014. Patent URL: http://appft.uspto.gov/netacgi/nph-Parser?Sect1=PTO2&Sect2=HITOFF&u=%2Fnetahtml%2FPTO%2Fsearch-adv.html&r=800&p=16&f=G&l=50&d=PG01&S1=20140717.PD.&OS=PD/20140717&RS=PD/20140717

Keywords for this news article include: Rakuten Inc.

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Source: Computer Weekly News


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