Wireless communication device and payment system

Patent metadata

Field	Value
Publication number	US-11494758-B2
Application number	US-201716325072-A
Country	US
Kind code	B2
Filing date	Aug 2, 2017
Priority date	Aug 31, 2016
Publication date	Nov 8, 2022
Grant date	Nov 8, 2022

Abstract

There is provided a wireless communication device that includes a communication unit that performs wireless communication with a connection device, and a control unit that encrypts a wireless communication channel with the connection device on the basis of a digital certificate issued by a certificate authority server. The communication unit receives payment information and a valid type of payment from the connection device via the encrypted wireless communication channel. The control unit determines a payment server on the basis of the valid type of payment and causes the communication unit to transmit a payment request based on the payment information to the payment server.

First claim

The invention claimed is:

1. A method performed by a wireless communication terminal via a first server and a second server, the method comprising:
receiving, by the wireless communication terminal, a certificate from the second server;
establishing, by the wireless communication terminal, a wireless communication channel with a reader/writer computer;
receiving, by the wireless communication terminal, a certificate and a server public key from the reader/writer computer;
verifying, by the wireless communication terminal, the certificate from the reader/writer computer using the certificate from the second server;
generating, by the wireless communication terminal, a session key from the server public key, and creating, by the wireless communication terminal, an encrypted channel using the session key;
receiving, by the wireless communication terminal, payment information and payment type from the reader/writer computer via the encrypted channel;
determining, by the wireless communication terminal, the second server based on the payment type;
transmitting, by the wireless communication terminal, a request to the second server based on the payment information;
receiving, by the wireless communication terminal, a payment completion notification from the second server; and
transmitting, by the wireless communication terminal, the payment completion notification, to a point of sale via the reader/writer computer.

2. The method according to claim 1 , wherein the payment type is associated with a user.

3. The method according to claim 2 , wherein the method further comprises:
transmitting, by the wireless communication terminal, the payment information and the payment type to a certificate authority server;
receiving, by the wireless communication terminal, a payment approval from the certificate authority server based on the transmitted payment information and the payment type; and
transmitting, by the wireless communication terminal, a payment request to a payment server based on the received payment approval.

4. The method according to claim 3 , wherein the method further comprises:
receiving, by the wireless communication terminal, a store information from the reader/writer computer; and
transmitting, by the wireless communication terminal, the store information to the certificate authority server.

5. The method according to claim 2 , wherein the method further comprises:
receiving, by the wireless communication terminal, a user input associated with the payment type.

6. The method according to claim 1 , wherein the method further comprises:
storing, by the wireless communication terminal, an amount of electronic money corresponding to the payment type, and transmitting, by the wireless communication terminal, a payment request based on the stored electronic money corresponding to the payment type.

7. The method according to claim 6 , wherein the payment information includes a payment amount.

8. The method according to claim 1 , wherein the method further comprises:
prior to the establishing the wireless communication channel with the reader/writer computer, receiving, by the wireless communication terminal, an advertisement from a connection device,
wherein the establishing of the wireless communication channel with the reader/writer computer is based on the received advertisement.

Assignees

• Felica Networks Inc

Inventors

• Sekiya Shuichi
• Takahashi Minako
• Inoue Shintaro

Classifications

• G06Q20/0655

  e-cash managed centrally · CPC title

• G06Q20/38215

  Use of certificates or encrypted proofs of transaction rights · CPC title

• G06Q20/3829

  involving key management · CPC title

• G07F7/088 Primary

  the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title