Note: Descriptions are shown in the official language in which they were submitted.
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METHOD FOR DISABLING MOBILE COMMUNICATION TERMINAL EQUIPPED
WITH MEMORY FOR STORING CARD INFORMATION, MOBILE
COMMUNICATION NETWORK AND MOBILE COMMUNICATION TERMINAL
This is a division of co-pending Canadian Patent
Application No. 2,356,357 filed on December 7, 2000.
TECHNICAL FIELD
This invention relates to a method for disabling a
mobile communication terminal such as a mobile phone; a
mobile communication network and a mobile communication
terminal.
BACKGROUND ART
Various types of cards have been used such as credit
cards and bank cards. Recently, there have been many cases
where one person holds a plurality of cards.
When these cards are lost or get stolen, card holders
and card issuing institutions must disable these cards so
as to prevent a third person who has gained the cards from
illegally using them.
In order to do this, when card holders lose cards,
they first call card- issuing institutions to report the
loss of the cards. Subsequently, the card issuing
institutions which have received the report register the
disabling information of the subject card in their
database.
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On the other hand, merchants where cards are used make
an inquiry for approval or denial of card transactions, and
card issuing institutions determine approval or denial of
the subject card transaction referring to presence or
absence of card disabling information stored in their own
database.
Since cardholders usually put a plurality of cards
together in a purse in many cases, the plurality of cards
could get lost or stolen at one time in the case of being
lost or stolen.
On the other hand, these cards are issued and managed
in their respective card issuing institutions; in the case
of losing a plurality of cards at one time, it is
troublesome to report to all the card issuing institutions
separately for every card.
Further, there are cases where it is hard for
cardholders themselves to know immediately which cards are
stolen, thereby inhibiting the cardholders from reporting
the loss at once.
DISCLOSURE OF INVENTION
This invention is made in consideration of the
above-mentioned situations, and has an object to provide a
disabling method capable of- conducting the card disabling
processing quickly, easily, and certainly; a mobile
communication network and a mobile communication terminal
used for the method.
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In accordance with one aspect of the present invention
there is provided a gateway server which communicates with
a mobile terminal that has functionality of effecting
financial services provided by at least one financial
institution, the gateway server comprising: a memory that
stores menu data regarding the financial services provided
by multiple financial institutions, wherein the menu data
comprises a list of financial institutions and a list of
requests for performance by the financial institutions for
a user of the mobile terminal; a menu data control that
sends the menu data to the mobile terminal to guide the
user, through at least one round of menu selection process,
to a selection of a request for performance by a financial
institution that the user desires; and a communication
control that communicates data with the mobile terminal and
the financial institution to enable the selected
performance by the financial institution to occur for the
user.
BRIEF DESCRIPTION OF THE DRAWINGS
Fig. 1 is a block diagram showing a configuration of a
mobile station 100 used for a first embodiment of the
present invention.
Fig. 2 is a perspective view of the mobile station 100
with a magnetic card 161 retracted.
Fig. 3 is a perspective view of the mobile station 100
with the magnetic stripe 1&0 portion of the magnetic
card 161 protruded.
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Fig. 4 is a block diagram showing a configuration of a
credit transaction system using the mobile station 100.
Fig. 5 is a diagram showing a configuration of a
subscriber database 331.
Fig. 6 is a data format diagram of a registered
subscriber information file 304.
Fig. 7 is a diagram showing a configuration of a
member database 61.
Fig. 8 is a diagram showing a configuration of a
credit database 62.
Fig. 9 is a diagram showing a configuration of a
prospective contract-renewal members file 601.
Fig. 10 is a block diagram showing a configuration of
a gateway server 32.
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Fig. 11A and Fig. 11B cooperate to form a flow diagram of
the first half sequence of operations for signing up credit card
contracts, shopping with a credit card via a mobile packet
communication network, making changes in registered member
information, canceling credit card contracts, and inquiring for
credit histories.
Fig. 12A and Fig. 12B cooperate to form a flow diagram showing
an operation of the mobile station 100 and the credit transaction
system in signing up credit card contracts.
Fig. 13A to Fig. 13J are diagrams showing screen images
displayed on a liquid crystal display 132 of the mobile station 100
in signing up a credit card contract.
Fig. 14A and Fig. 14B cooperate to form a flow diagram showing
an operation of the mobile station 100 and the credit transaction
system in shopping with a credit card function of the mobile station
100 in the shop.
Fig. 15A and Fig. 15B cooperate to form a flow diagram showing
an operation of the mobile station 100 and the credit transaction
system in shopping with a credit card function of the mobile station
100 via the mobile packet communication network.
Fig. 16A and Fig. 16B cooperate to form a flow diagram showing
an operation of the mobile station 100 and the credit transaction
system in renewing credit card contracts.
Fig. 17A and Fig. 17B cooperate to form a flow diagram showing
an operation of the mobile station 100 and credit transaction system
in making changes in registered member information.
Fig. 18 is a flow diagram showing an operation of the mobile
station 100 and the credit transaction system in canceling credit
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card contracts.
Fig. 19 is a flow diagram showing a flow of an operation in
disabling calling and credit card functions of the mobile station
100_
Fig. 20 is a flow diagram showing a flow of an operation in
inquiring for credit histories.
Fig. 21 is a block diagram showing a configuration of a mobile
station 100 that displays bar codes indicating credit card contract
information on its liquid crystal display 132.
Fig. 22 is a block diagram showing a configuration of CAT
40 equipped with a bar-code reader.
Fig. 23 is a block diagram showing a configuration of the
mobile station 100 that transmits credit card contract information
to the CAT 40a, 40b,... by an infrared communication.
Fig. 24 is a block diagram showing a configuration of a CAT
40 equipped with an infrared receiver and a demodulator.
Fig. 25 is a block diagram showing a configuration of a mobile
station 100 that transmits credit card contract information to the
CAT 40a, 40b,... by an existing data input/output terminal.
Fig. 26 is a block diagram showing a configuration of a CAT
40 equipped with an input/output terminal.
BEST MODE OF CARRYING OUT THE INVENTION
[1] First Embodiment
[1. Configuration of the Embodiment]
[1-1. Configuration of Mobile Station]
Fig. 1 is a block diagram showing a configuration of a mobile
station 100, a mobile communication terminal used in a first
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embodiment of the present invention. As shown in the figure, the
mobile station 100 has a transmitter-receiver 110, a control unit
120, a user interface 130, a data input/output terminal 140, a
magnetic writer 150, and a magnetic stripe 160.
Fig. 2 and Fig. 3 are perspective views showing the appearance
of the mobile station 100. This mobile station 100 is equipped with
a card retracting/protruding key 131, a magnetic card 161 that has
a magnetic stripe 160 shown in Fig. 1, and a slot 101 for retracting
or protruding the magnetic card 161. The user operates the card
retracting/protruding key131, thereby permitting the magnetic card
161 retracted in the slot 101 as shown in the Fig. 2, or the magnetic
stripe 160 portion of the magnetic card 161 protruded out of the
slot 101.
In Fig. 1, the transmitter-receiver 110 handles wireless
communications with base stations of a mobile communication network
which provides the mobile telephone communication service and the
mobile packet communication service.
The control unit 120 controls each of the sections of the
mobile station 100, and comprises a CPU 121, a program ROM 122, a
credit card contract ROM 123, and a RAM 124. The operational modes
in this mobile station 100 include a calling mode for performing
phone-to-phone conversations via the mobile communication network,
and a packet communication mode for performing packet
communications via the mobile packet communication network. Users
can set a desired mode. The control unit 120 controls each of the
sections of the mobile station 100 according to set state of each
of these modes.
The RAM 124 is used as a work area for the CPU 121 or a user
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data area for storing such information as phone directory data.
The credit card contract ROM 123 is a memory for storing one
or plurality of card information items. In the present embodiment,
credit card contract information on profiles of a credit card
contract under which a user of the mobile station 100 is with a credit
card company are stored as card information. These credit card
contract information are given from the credit card company to its
members, including, for example, the name of the credit card company
with which a user is under contract, a URL of the server of the credit
card company (as will hereinafter be described ), a credit-card
number, an identification number given to each credit card usually
consisting of 16-digit numerals, the expiration date of the credit
card, and the member's name. In a case where a user of the mobile
station 100 is under contract with a plurality of credit card
companies, the credit card contract information corresponding to
the plurality of credit cards are stored in this credit card contract
ROM 123.
This credit card contract ROM 123 is accessible only from
a special ROM reader/writer or a private server owned by a credit
card company. In the case of being accessed from a special ROM
reader/writer to the credit card contract ROM 123, write information
to the credit card contract ROM 123 are _transmitted to the control
unit 120 from the ROM reader/writer connected to the data
input/output terminal 140. The control unit 120, after ensuring
the validity of the accessing ROM reader/writer, writes the write
information into the credit card contract ROM 123. Also, in the
case of being accessed from a private server to the credit card
contract ROM 123, write information to the credit card contract ROM
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123 are transmitted to the control unit 120 from the server via a
network such as the mobile packet communication network. The
control unit 120, after ensuring the validity of the accessing
server, writes the write information into the credit card contract
ROM 123 . The control unit 120, when it detects any means other than
the above that tries to access the credit card contract ROM 123,
carries out the disabling operation of the mobile station 100
itself.
The program ROM 122 stores control programs. The CPU 121
reads out these programs and carries out various types of control
processes. These control programs include various programs
described below as well as programs for the calling function usually
stored in a mobile station of the existing mobile communication
system.
These control programs include a document data viewing
software, known as a browser. The CPU 121 reads out the.browser
from the program ROM 122 to carry it out, which permits the acquiring
of data in the HTML form from various information providing servers
connected to the Internet via, for example, a gateway server 32 shown
in the Fig. 4. This gateway server 32 is a computer system
established at a mobile packet gateway relaying/switching center
for interconnecting the mobile packet communication network 30 and
other networks such as the Internet 70. The gateway server 32
performs protocol conversion for performing communications among
a plurality of networks, each of which uses a different protocol.
The acquiring of HTML data by the mobile station 100 is performed
by transmitting an acquisition request specifying the URL of a
resource to a server providing information via this gateway server
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32 and completed by storing in the RAM 124 the HTML data transmitted,
in response to the request, from the server providing the
information.
In addition, these control programs include a program for
storing credit card contract information in the credit card contract
ROM 123. This program also reads out, makes changes, or deletes the
credit card contract information stored in the credit card contract
ROM 123.
The control programs further include a program for
controlling the magnetic writer 150, thereby writing in or deleting
from the magnetic stripe 160 the credit card contract information
read out from the Credit card contract ROM 123; and a program to
transmit to a merchant's server 80C, 80D, as will hereinafter be
described, the credit card contract information that have been read
out from the credit card contract ROM 123.
The control programs also include a program for, when the
mobile station 100 is turned on, transmitting information that
includes information to the effect that the power is on and an
identification number for the mobile station 100 via a particular
channel.
Also, as mentioned earlier, the control programs include a
program, when it detects any attempt to access the credit card
contract ROM 123 by an unjustified means, for disabling the mobile
station 100 itself.
The magnetic writer 150 writes credit card contract
information given from the control unit 120 into the magnetic stripe
160, or deletes credit card contract information from the magnetic
stripe 160.
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The magnetic stripe 160 is similar to magnetic stripes widely
used for existing credit cards. Therefore, credit card contract
information written in the magnetic stripe 160 is readable by a
currently widely-used credit authentication terminal (CAT) for
5 reading magnetic stripes.
This magnetic stripe 160 is provided on a card made of plastic
that is retractable in the mobile station 100, the magnetic card
161 in Fig. 3. This magnetic card 161 is retracted or protruded
by the card retracting/protruding key 131 established on the keypad
10 of the mobile station 100, or by a specified key operation using
an existing keyboard (refer to Fig. 2 and Fig. 3). The magnetic
card 161 is usually retracted inside the mobile station 100, but
when doing shopping, the portion of the magnetic stripe 160 is
protruded outside the mobile station 100. The back side of this
magnetic card 161 has a section for a user's signature in the same
way as existing credit cards.
The user interface 130 includes a liquid crystal display 132,
a keypad by which users perform various input operations, and a
microphone and a speaker for users to hold conversations.
[1-2. Configuration of Credit Transaction System]
Fig. 4 is a block diagram showing a configuration of the credit
transaction system using a mobile station 100. This credit
transaction system comprises the mobile station 100, a mobile
telephone network 20, and a mobile packet communication network 30,
CATs 40a, 40b, ... , the Credit and Finance Information System
(CAFIS) network 50, credit card company's servers 60A, 608, ... ,
the Internet 70, and merchant's servers 80C, 80D, ... .
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A user registered as credit card members carry the mobile
station 100. The mobile station 100 is capable of connecting to
the mobile telephone network 20 and the mobile packet communication
network 30.
The mobile telephone network 20 provides general calling
services using mobile stations, and the mobile station 100 receives
the services over this mobile telephone network 20. This mobile
telephone network 20 comprises many base stations 31 spaced out at
a certain interval within communication areas, a switching unit for
performing circuit-switching (not shown), a control unit 33 for
controlling the inside of the network, and communication cables (not
shown) .
This control unit 33 is equipped with a subscribers database
331 that stores a variety of information relating to subscribers
who use the communication services. The above-mentioned base
stations 31, the switching unit, the control unit 33, and
communication cables are shared by the mobile packet communication
network 30.
Fig. 5 is a diagram showing a data format of the subscriber
database 331. As shown in the figure, the subscriber database 331
stores various types of information for each subscriber of the
mobile telephone network 20, that is, for each user of the mobile
station 100, the information including the phone number of the
mobile station 100 owned by the subscriber, his/her name, sex, date
of birth as well as disabling information that orders the disabling
the mobile station 100 and its credit card function. A disablement
flag is registered in a disabling information cell for a user with
the mobile station 100 and its credit card function are disabled.
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As shown in the Fig. 4, the mobile packet communication
network 30 includes a gateway server 32 in addition to the
above-mentioned base station 31, switching unit snot shown),
control unit 33, and communication cables.
The gateway server 32 performs the inter-conversion of a
transmission protocol for the mobile packet communication network
30 and the TCP/IP, a standard communication protocol of the Internet
70. In addition, the gateway server 32 controls various types of
messagedelivery processingsperformed among the mobilestation 100,
the credit card company's server 60A, 60B, . _ . , and the merchant's
server 80C, 80D, ... .
Fig.lO is a block diagram showing a configuration of the
gateway server 32. This gateway server 32 has a control unit 301,
a subscriber information manager 302, and a data delivery manager
303.
The control unit 301 controls each of the sections of the
gateway server 32 and also functions as an interface among protocols
such as to perform protocol conversion between the mobile packet
communication network 30 and another network such as the Internet
70.
The control unit 301 stores encryption algorithm such as
Secure Sockets Layer (SSL). Performing communication with the
credit card company's server 60A, 60B, . . . and the merchant' s server
80C, 80D, ... using this encryption algorithm protects the
communication.
The subscriber information manager 302 stores and manages
a registered subscriber information file 304 that can be obtained
referring to the subscriber database 331 of the control unit 33.
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Fig.6 is a diagram showing a data format of the registered subscriber
information file 304. As shown in the figure, the registered
subscriber information file 304 stores, for each subscriber of the
mobile packet communication network 30, that is, for each user of
the mobile station 100, a variety of data such as the phone number
of the mobile station 100 owned by the subscriber, his/her name,
sex, date of birth, the storage location of data and electronic-mail
messages delivered to the user in the data delivery manager 303,
and a password pre-registered by the user.
The control unit 301 performs user authentication of a user
of the mobile station 100 that has accessed to the gateway server
32 in order to use the specified service. The control unit 301 of
the gateway server 32 handles this user authentication by matching
a password entered by the user on the mobile station 100 and the
password within the registered subscriber information file 304.
The data delivery manager 303 relays the delivering of
electronic-mail messages and various data among users of two or more
mobile station 100; between a user of the mobile station 100 and
a user of another network such as the Internet 70; between a user
of the mobile station 100 and a credit card company's server 60A,
60B, ...; and between a user of the mobile station 100 and a
merchant's server 80C, 80D, ... .
To illustrate, the data delivery manager 303 receives a
communication request including the destination and the content of
a communication from a mobile station 100 or a credit card company's
server 60A, 60B, . . . , and transmits the contents to the destination.
Alternatively, the data delivery manager 303, after receiving the
communication request, once stores the received contents, and makes
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a notification to the effect that the contents have been stored,
to the terminal of the requested destination (for example, the
mobile station 100) . Subsequently, upon receiving the request for
obtaining the contents, the data delivery manager 303 transmits the
stored contents to the terminal. For this purpose, the data
delivery manager 303 has a memory (not shown) inside for storing
the communication contents temporarily.
This memory stores a variety of service information to be
transmitted to the mobile station 100 and displayed as a menu on
the liquid crystal display 132 of the mobile station 100. The
service information are data in the HTML format, data for each
service item including the URL of a server which carries out each
service.
This memory also stores information on merchants where credit
card purchases can be made over the mobile packet communication
network 30. The merchants information are also data in the HTML
format, and data for each merchant includes the URL of the server
of each merchant. This merchants information are transmitted to
the mobile station 100 and displayed on the liquid crystal display
132 of the mobile station 100.
When a user requests a particular service using the mobile
station 100, the mobile station 100 transmits a URL that is included
in data for the service item to the gateway server 32, and the gateway
server 32 , based on the URL received, makes an access to the server
which implements the service. When a user makes a purchase with
a credit card at a certain merchant via the mobile packet
communication network 30, a URL written in the HTML data format is
used as well.
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A number of CATs 40a, 40b, . . . shown in Fig. 4 are established
at merchants and cash dispenser(CD)s. The CATs 40a, 40b, ... are
equipped with a magnetic reader (not shown) and capable of reading
the credit card information recorded on the magnetic stripe 160 of
5 the mobile station 100. The CATS 40a, 40b, ... are also equipped
with an input interface (not shown), and through this input
interface salespersons in the shop can enter a certain information
item such as the amount of purchase. The CATS 40a, 40b, ... are
connected to a private network, the CAFIS network 50, to which the
10 credit card contract information read from the magnetic stripe 160
and information such as the amount of transaction, transaction date,
and merchant with regard to the credit card purchase are transmitted.
These information given from the CATs 40a, 40b, ... to the CAFIS
network 50 will be referred to as credit information hereinafter.
15 The CAFIS network 50 is formed by connecting a number of CATS
40a, 40b, . . . and credit card company's servers 60A, 60B, . . . . This
CAFIS network 50 is a nationwide network that connects credit card
companies, distribution companies, andfinancial institutions, the
CAFIS control center (not shown) centralizing the network.
This CAFIS network 50 transmits various credit information
that result from such actions as shopping and cash advance with
credit card by a user, to one of the credit card company's servers
60A, 60B, ... which provides a contract. It also transmits
information on approval or denial of the credit card use from the
one of the credit card company's servers 60A, 60B, ... to one of
the CATs 40a, 40b, ... .
The server 60A, 60B, . . . is established at each credit card
company, and connected to the CAFIS network 50 and the Internet 70.
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This credit card company's server 60A, 60B, . . . comprises a member
database 61A, 61B, ... for storing such information as member
profiles and credit card contract information, and a credit database
62A, 62B, ... for storing members' credit histories and payment
settlement information.
Fig. 7 shows a data format of the member database 61A, 61B, . . . ,
and Fig. 8 shows a data format of the credit database 62A, 62B, . . .
As shown in Fig. 7, the member database 61A, 61B, . . . stores
member profiles such as each user's name, age, address, phone number,
employment, and annual income, and credit card contract information
relating to each credit card contract such as card number,
expiration date, and credit limit. These member profiles
information are reported by users at the time of signing up contracts,
and changed anytime when changes are reported from the users.
Further, these credit card contract information are information
granted to each of the contracts by a credit card company once the
credit card membership is approved, and part of the information is
updated every time the expiration date comes.
In addition, as shown in Fig. 8, the credit database 62A,
62B, . . . stores credit history such as transaction dates of credit
purchases and cash advances, merchants, and amount of transactions,
and credit settlement information such as amount paid for each
billing cycle. This credit history (the transaction dates,
merchants, and amount of transactions) are information transmitted
from the CAT 40a, 40b, .. . and the merchant's server 80C, 80D, . . .
to the credit card company's server 60A, 60B, . . . . Then, the credit
card company's server 60A, 60B, ... totals amount of payment for
each billing cycle based on the information on dates and amounts
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of transactions, and stores the totaled amount as credit settlement
information.
The main functions of the credit card company's server 60A,
60B, ... are 1)the processing of credit card contracts (including
admission, renewal, changes, and cancellation), 2) the
determination on approval or denial of credit card contracts and
purchases, 3) the accumulation of various information on credit card
contracts and credit card transactions, 4) the settlement amounts
on credit-card transactions, and 5) the provision of various
information for members, each of which will be described below in
detail.
First of all, the credit card company's server 60A, 60B, . . .
pre-stores an entry screen to be transmitted to the mobile station
100 for signing up a credit card contract and a change screen to
be transmitted to the mobile station 100 for making changes in
contracts; upon receiving a credit card contract request, an entry
screen corresponding to the request is provided to the mobile
station 100 through the Internet 70 and the gateway server 32.
Furthermore, the credit card company's server 60A, 60B, ...
creates andstoresa prospective contract-renewalmembersfile 601A,
6018, ... . This prospective contract-renewal members file 601A,
601B, . . . stores information on members whose contract renewal is
approaching.
Fig. 9 shows a data format for the prospective contract-
renewal members file 601A, 601B, ... . As shown in this figure,
the prospective contract-renewal members file 601A, 601B, ...
stores data such as each member's name, credit number, phone number,
and date of expiration. The credit company's server 60A, 60B, .. .
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refers to the expiration dates of credit card contracts stored for
each member in the member database 61A in a certain cycle (for example,
every 24 hours) to extract users whose contracts are about to expire
(for example, within one week) and obtains information on the
extracted users from the member database 61A, 61B, . . . to be stored
in the prospective contract-renewal members file 601A, 601B, . . .
The second function of the credit company's server 60A,
60B, . . . is the determination as to approval or denial of credit-card
contractsor transactions. The creditcompany'sserver60A, 60B, ...
pre-stores criteria for examining approval or denial of credit card
contracts, receives from the mobile station 100 the contents entered
by the user according to the entry screen for sign-up, and examines
whether or not the credit card contract can be approved based on
the entered contents and examination criteria. As a result of the
examination, if the credit card contract is approved, credit card
contract information to be stored in the magnetic stripe 160 of the
mobile station 100 is generated and given to the mobile station 100.
In addition, when a user performs shopping with a credit card,
this credit company's server 60A, 60B, ... decides whether or not
the shopping with the credit card taking place is valid by using
credit information given from the CAT 40a, 40b, ... (or from the
merchant's server 80C, 80D, ... ) and various information stored
in the member database, 61A, 61B, ... ; and transmits the results
thereof to the CAT 40a, 40b, ... (or the merchant's server 80C,
80D, ... ) as credit approval or denial information.
Thirdly, the credit company's server 60A, 60B, ... stores
user profiles and credit card contract information relating to the
contract in the member database 61A, 61B, ... , and data such as
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credit card purchases that have taken place are stored in the credit
database 62A, 62B, ... .
Fourthly, the credit company's server 60A, 60B, ... , via
the CAFIS network 50, notifies credit payment information to a
financial institution having a credit payment transfer account and
performs a transfer of the credit payment.
Finally, the credit company's server 60A, 60B, ... obtains
information desired by a user from among the information stored in
the member database 61A, 61B, ... and the credit database 62A,
62B, . . . , and provides the mobile station 100 with them through the
Internet 70 and the mobile packet communication network 30.
This credit company's server 60A, 60B, . . . stores an encrypted
transmission algorithm such as Secure Sockets Layer (SSL), and
handles communication thereby with the gateway server 32 and the
merchant's server 80C, 80D, ... , thereby protecting the contents
of transmission.
The merchant's server 80C, 80D, ... in Fig. 4 is a server
which provides so called virtual shops that permit users to shop
online. The merchant's server 80C, 80D, . . . stores sho
ppingscreens
to be displayed on the mobile station 100 as data in the HTML format.
The shopping screen data include information related with
commercial products sold to the user such as the name of the products,
product descriptions, and prices.
The merchant's server 80C, 80D, ... receives a credit card
shopping request from a user of the mobile station 100, provides
a shopping screen thereto, and handles the processing related to
the credit card shopping in cooperation with one of the credit
company's server 60A, 60B, . . . which performs a payment settlement
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for the credit card shopping.
This merchant's server 80C, 80D, ... stores an encrypted
transmission algorithm such as SSL, and handles communication
thereby with the gateway server 32 and the credit company's server
5 60A, 60B, ... , thereby protecting the contents of transmission.
[ 2 . Operation]
Next, operations of the present embodiment will be described
below, classified into the following operational modes.
10 1. Signing up for a credit card contract
2-a. Shopping with credit card over the counter
2-b. Shopping with credit card through the mobile packet
communication network 30
3. Renewing a credit card contract
15 4. Making changes in registered member information
5. Canceling a credit card contract
6. Disabling a mobile station 100 and its credit function
7. Inquiring one's own credit history
20 (2-1. Signing Up for Credit Card Contract]
Fig. 11A, Fig. 11B, Fig. 12A, and Fig. 12B are flow charts
showing an operation when a user signs up for a credit card contract
with a mobile station 100.
Fig. 13A to 13J are diagrams of screen images displayed on
the liquid crystal display 132 of the mobile station 100, and shown
chronologically corresponding to the operation indicated in Fig.
11A, Fig. 11B, Fig. 12A, and Fig. 12B.
The operation in signing up for a credit card contract will
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be described hereinafter in reference to Fig. 11A, Fig. 11B, Fig.
12A, and Fig. 12B.
Firstly, in step SP101, a user initiates a call to the gateway
server 32 at a predetermined phone number and requests the start
of a communication in the packet communication mode.
In step SP 102, the gateway server 32, upon receiving the
packet communication mode starting request, starts communication
in the packet communication mode with the user at the other end,
and transmits to the mobile station 100 service menu screen data
stored within itself.
In step SP 103, the mobile station 100 receives the service
menu screen data and displays the service menu on the liquid crystal
display 132. Fig. 13A is a diagram of a screen image displayed on
the mobile station 100 at this time.
In step SP 104, the user selects by a key operation a desired
service from among the displayed service menu items. In this case,
on the screen indicated in Fig. 13A, the user moves a cursor on the
"credit" to select it. Then, the mobile station 100 transmits to
the gateway server 32 the selected service request, in this case,
the "credit."
In step SP105, the gateway server 32, in response to the
received service request, transmits to the mobile station 100
service menu screen data designating more detailed contents of the
service, in this example, detailed contents regarding the "credit."
In step SP106, the mobile station 100 receives the detailed
service menu screen data and displays the service menu on the liquid
crystal display 132. Fig. 13B is a diagram of a screen image
displayed on the mobile station 100 at this time.
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In step SP107, the user selects by a key operation a desired
service from among the displayed detailed service menu items. In
this case, on the screen indicated in Fig. 13B, the user moves a
cursor on the "credit card contract" to select it. Then, the mobile
station 100 transmits to the gateway server 32 the selected detailed
service request, in this case, "credit card contract."
The above-mentioned service menu screen data are transmitted
to the mobile station 100 multiple times until the user finally
specifies a desired service.
In step SP108, the gateway server 32 receives the detailed
service request and transmits, to the mobile station 100, password
entry screen data for the user to enter a password.
In step SP109, the mobile station 100 receives the password
entry screen data, and a password entry screen is displayed on the
liquid crystal display 132. The user enters a password pre-
registered in the gateway server 32 in the password entering section
of the password entry screen.
Fig. 13C is a diagram of the password entry screen displayed
on the mobile station 100 at this time. The user enters the password
in the password entering section and moves a cursor to select
"enter".
In step SP111, the mobile station 100 transmits the password
information entered by the user to the gateway server 32. In step
SP113, the gateway server 32 receives the password information.
In step SP 115, the gateway server 32 performs user
authentication by matching the password received from the mobile
station 100 and the password of the mobile station 100 stored in
the subscriber information manager 302.
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In step SP117, based on a result of the user authentication,
it is determined whether the user is valid or not. When it is
approved as a valid user by the determination in step SP117, the
routine advances to step SP119, and the gateway server 32, in
response to a final service request from the user (a credit card
contract request) , transmits to the mobile station 100 next screen
information to be displayed on the mobile station 100.
On the other hand, if it is not approved as a valid user by
the determination in step SP117, the routine proceeds to step SP121,
and the gateway server 32 transmits to the mobile station 100 a
service denial notification indicating that the credit card
contract request from the user cannot be accepted.
Then, in step SP123, the mobile station 100 receives the
information transmitted from the gateway server 32. Subsequently
in Fig. 12A, in step SP125, a next screen received by the mobile
station 100 is displayed on the liquid crystal display 132 . In this
case, a list of names of credit card companies for which the user
can sign up is displayed on the liquid crystal display 132.
Fig. 13D is a diagram of the screen displayed on the mobile
station 100 at this time. In the case of receiving the service
denial notification, the mobile station 100 displays the
notification on_its liquid crystal display 132 (not shown) , and the
procedure ends.
In step SP126, the user selects by a key operation a desired
credit card company from among the displayed credit card companies .
In other words, the user moves a cursor on a desired credit card
company on the screen shown in Fig. 13D to select "enter." It is
assumed herein that the credit card company A has been selected as
CA 02549387 2000-12-07
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an example.
In step SP127, the mobile station 100 transmits to the gateway
server 32 the name of the selected credit card company (company A)
and the URL of the server 60A thereof.
In step SP129, the gateway server 32 receives the name of
the credit card company (company A) and its URL, and transmits a
credit card contract request to the credit card company's server
60A based on the received URL.
The gateway server 32 at this time protects by SSL the contents
to be transmitted to the credit card company's server 60A. Also
in the following description of operations, the contents of
communications are protected by SSL when communications are
performed among the gateway server 32, the credit card company's
server 60A, 60B, ..., and the merchant's server 80C, 80D, ... .
In step SP131, the credit card company's server 60A receives
the credit card contract request from the gateway server 32.
In step SP133, the credit card company's server 60A sends
entry screen data for prompting the user to enter information (e . g .
his/her name, age, date of birth, address, phone number, employment,
annual income, password, etc. ) that are needed for the credit card
contract with the company A, out to the Internet 70 addressed to
the mobile station_100.
In step SP135, the gateway server 32 receives the entry screen
data from the credit card company's server 60A and send it to the
mobile station 100.
In step SP 137, the mobile station 100 receives the entry
screen data from the gateway server 32 and displays an entry screen
on its liquid crystal display 132.
CA 02549387 2000-12-07
Fig. 13E is a diagram of the screen displayed on the mobile
station 100 at this time.
In step SP139, the user enters the necessary information while
referring to the entry screen displayed on the liquid crystal
5 display 132. The entry screen is shown in Fig. 13E. The user has
to enter various items such as his/her phone number and employment
in addition to those shown in the figure such as his/her name, date
of birth, and address; the user scrolls down the screen, thereby
enabling these other items being displayed in sequence on the liquid
10 crystal display 132.
In step SP 141, the mobile station 100 transmits the entered
contents (hereinafter referred to as input information), to the
gateway server 32. In step SP143, the gateway server 32 receives
the input information and transmit them to the credit card company' s
15 server 60A. Along with them, in step SP145, the gateway server 32
transmits the input information to the credit card company's server
60A and a notification of credit card contract application receive
completion to the mobile station 100.
Then in step SP147, the mobile station 100 receives the
20 receive completion notification from the gateway server 32 and
display it on the liquid crystal display 132, thereby notifying the
user. Fig. 13F is a diagram of the receive completion notification
screen displayed on the mobile station 100 at this time.
On the other hand, in step SP149, the credit card company's
25 server 60A receives the input information from the gateway server
32, In step SP151, the credit card company's server 60A determines
whether to approve or deny the credit card contract with regard to
the received input information by referring to the examination
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criteria stored within itself.
In step SP153, if the contract is denied as a result of the
examination by the server 60A, the company A's server 60A proceeds
to step SP155 and sends out to the Internet 70 a contract denial
notification addressed to the mobile station 100.
If the contact is approved as a result of the determination
in step SP153, the procedure of the company A's server 60A advances
to step SP157 for generating new credit card contract information
and sends out to the Internet 70 a contract approval notification
and the generated credit card contract information addressed to the
mobile station 100.
Then, in step SP159, the credit card company's server 60A
stores in the member database 61A user profiles and credit card
contract information with regard to this contract.
In step SP161, the gateway server 32 receives the contract
denial notification or the contract approval notification and
credit card contract information from the credit card company's
server 60A, and once stores those information inside.
In step SP163, the gateway server 32 pages the mobile station
100 and transmits a notification indicating that it has received
information addressed to the mobile station 100 from the credit card
company's server 60A.
In step SP165, the mobile station 100 receives an information
receive notification from the gateway server 32 and displays it on
the liquid crystal display 132, thereby notifying the user. Fig.
13G is a diagram of the screen displayed on the mobile station 100
at this time.
Then, in step SP167, by a key operation by the user who has
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seen the display, the mobile station 100 transmits to the gateway
server 32 an information acquiring request to request the acquiring
of the information stored therein. In other words, the user selects
"refer to" on the display shown in Fig. 13G, by which the information
acquiring request is transmitted from the mobile station 100 to the
gateway server 32.
In step SP169, the gateway server 32 receives the information
acquiring request from the mobile station 100, and in response
thereto, transmits to the mobile station 100 the contract denial
notification, or the contract approval notification and the credit
card contract information.
In step SP171, the mobile station 100, receives the contract
denial notification, or the contract approval notification and the
credit card contract information from the gateway server 32.
In step SP173, the mobile station 100 displays the received
contents on its liquid crystal display 132 . The mobile station 100,
when it has received the credit card contract approval notification
and the credit card contract information, stores the received credit
card contract information in the credit card contract ROM 123.
Fig. 13H is a diagram of the screen showing the notification
of credit card contract denial.
Fig. 13I, on the other hand, is a diagram of the screen showing
the notification of credit card contract approval . The user selects
"next" on this screen, which in turn changes to the next screen
(Fig.l3I) . Fig. 13J is a screen for confirming the contents of the
credit card contract.
As shown in Fig. 13J, on this screen, such information are
displayed as "credit number" and "expiration date."
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The screen information shown in Fig. 13J are stored in the
credit card contract ROM 123, which can be displayed on the liquid
crystal display 132 by a specific operation by the user, thereby
enabling the user to confirm the contents of the credit card
contract.
As described so far, the mobile station 100 owned by a user
and the credit card company's server 60A, 60B, . . . owned by a credit
card company conducts the processing for a credit card contract by
wireless communication means, thereby enabling the quick execution
of the processing; specifically, the application for a credit card
contract from a user to a credit card company; the notification of
approval or denial of the credit; and the provision of credit card
contract information from the credit card company to the user.
The above-mentioned operation shown in step SP101 to step
SP123 in Fig. 11A and Fig. 11B is the operation mainly from the packet
communication request to the user authentication, which is
performed in common in the first half sequence of each of the
operations in using the credit over the mobile communication network,
making changes in registered member information, canceling a credit
card contract, and inquiring a credit history, as well as the
above-mentioned operation of signing up a credit card contract.
[2-2. Operation in Shopping with Credit Card]
Next, an operation in shopping with credit card using a mobile
station 100 will be described.
There are two embodiments in the credit card shopping with
the mobile station 100.
They are a) an embodiment wherein credit card contract
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information on the magnetic stripe 160 are given to the credit card
company's server 60 through a CAT 40 at the shop; and b) the other
embodiment wherein credit card contract information stored in the
credit card contract ROM 123 are given to the credit card company's
server 60 through the mobile packet communication network 30, which
will be described separately hereinafter.
[2-2-a. Operation in Over-the-Counter Shopping with Credit Card]
Fig. 14A and Fig. 14B cooperate to form a flow diagram showing
the operation of the mobile station 100 and the credit transaction
system in the embodiment of using the magnetic stripe 160 at the
shop.
First, by a predetermined operation by a user, the processing
of the over-the-counter credit shopping begins at the mobile station
100.
In step SP201, the control unit 120 of the mobile station
100 reads out all the credit card contract information stored in
the credit card contract ROM 123 to display their company names on
the liquid crystal display 132.
In step SP203, the user selects a desired credit card company
by a key operation from among the displayed credit card companies.
It is assumed herein that the credit card contract with_credit card
company A has been selected.
On the other hand, if the number of contracted credit card
companies is just one, the user may enter "OK" on the displayed credit
card company.
In step SP205, the control unit 120 of the mobile station
100 gives the credit card contract information of the selected
CA 02549387 2000-12-07
company A to the magnetic writer 150, which in turn writes the given
information onto the magnetic stripe 160.
After the credit card contract information are written on
the magnetic stripe 160, the magnetic card 161 becomes a protrudable
5 state, and the control unit 120 displays the fact of being
protrudable on the liquid crystal display 132. Then in step SP207,
the user, having confirmed the protrudable state, pushes the
card-retracting/protruding key of the mobile station 100, thereby
protruding the magnetic stripe 160 portion of the magnetic card 161
10 out of the mobile station 100.
In step SP209, a salesperson slides the magnetic stripe 160
portion of the magnetic card 161 through a magnetic reader of a CAT
(assumed herein as a CAT 40b) , which in turn the credit card contract
information on the magnetic stripe 160 is read into the CAT 40b.
15 In step SP211, the salesperson enters sales amount for the
credit card shopping into an input interface (not shown) of the CAT
40b.
In step SP213, the CAT 40b, through the CAFIS network 50,
transmits to the company A's server 60A credit information including
20 the credit card contract information as well as the entered contents
into the CAT 40b.
In step SP215, the credit card company's server 60A receives
the credit information from the CAT 40b.
In step SP217, the credit card company's server 60A searches
25 in the member database 61A based on the received credit information,
and determines whether or not the requested shopping with the credit
card is valid. This determination is to see if the credit card is
not expired, if the credit limit is not over, if the magnetic stripe
CA 02549387 2000-12-07
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on the backside is not disabled, or if the credit card contract itself
has no effect.
When it is determined as invalid as a result of the
determination in step SP217, the processing by the company A's
server 60A advances to step SP219 and transmits to the CAT 40b through
the CAFIS network 50 a notification that the requested credit
transaction has been denied (and a reason for the credit denial,
if necessary) .
On the other hand, when it is determined as valid as a result
of the determination in step SP217, the processing by the company
A's server 60A advances to step SP221, transmits to the CAT 40b a
notification that the requested credit transaction has been
approved; further in step SP223, stores the credit record and
payment information with regard to this credit card shopping
transaction within the credit database 62A.
In step SP225, the CAT 40b receives the above notification
from the credit card company's server 60A.
Then in step SP227, the CAT 40b outputs the received
notification onto a credit sales slip or a CAT display device (not
shown). The salesperson performs a predetermined procedure
following the displayed contents. After that, the user writes a
signature identical to that on the backside of the magnetic card
161 in the signature section of the credit sales slip with the sales
amount written, thereby ending the credit card shopping
transaction.
At the time of completing the reading of the credit card
contract information on the magnetic stripe 160, the user pushes
the card retracting/protruding key of the mobile station 100, and
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in step SP229, the magnetic card 161 is retracted inside the slot
101 of the mobile station 100.
After the magnetic card is retracted, in step SP231, the
control unit 120 of the mobile station 100 orders the magnetic writer
150 to delete the credit card contract information of the company
A stored on the magnetic stripe 160, and the magnetic writer 150
executes that.
[2-2-b. Operation in Credit Card Shopping with the Mobile Packet
Communication Network]
Fig. 11A, Fig. 11B, Fig. 15A, and Fig. 15B cooperate to form
a flow diagram showing the operation for shopping with a credit card
using the mobile station 100.
The operation shown in Fig. 11A and Fig. 11B is almost same
as the sign-up for a credit card contract, but in step SP107 of Fig.
11A, a user should select "credit card shopping" as a desired service.
Description for the rest of operation in Fig. 11 shall be omitted.
In step SP301 of Fig. 15A, all the merchants where the shopping
with credit cards can be made by a user are displayed on the liquid
crystal display 132.
In step SP303, a user selects by a key operation a desired
merchant from among the displayed merchants. It is assumed herein
that the merchant C has been selected.
In step SP305, the mobile station 100 transmits the selected
merchant' s name (store C) and the URL of the merchant' s server 80C
to the gateway server 32.
In step SP307, the gateway server 32 receives the merchant's
name (store C) and the URL, and based on the received URL, transmits
a credit card shopping request to the merchant's server 80C.
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In step SP309, the merchant's server 80C receives the credit
card shopping request from the gateway server 32.
In step SP311, the merchant's server 80C, in response to the
received credit card shopping request, transmits shopping screen
data stored in itself out to the Internet 70 addressed to the mobile
station 100.
In step SP313, the gateway server 32 receives the shopping
screen data from the merchant's server 80C and transmits to the
mobile station 100.
In step SP315, the mobile station 100 receives the shopping
screen data from the gateway server 32, and a shopping screen is
displayed on the liquid crystal display 132.
In step SP317, the user selects a product to purchase
referring to the shopping screen displayed on the liquid crystal
display 132.
When the selecting of a product is completed, the mobile
station 100 reads out all the credit card contract information
stored in the credit card contract ROM 123, and the names of credit
companies thereof are displayed on the liquid crystal display 132.
Then in step SP319, from among the displayed credit card companies,
the user selects a credit card company to be used in this credit
card shopping. It is assumed herein that the credit card company _
B has been selected.
In step SP321, the mobile station 100 transmits information
on the selected product and its price, credit card contract
information with the company B, the URL of the merchant's server
80C, and the URL of the credit company's server 60B to the gateway
server 32.
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In step SP323, the gateway server 32 receives these
information from the mobile station 100 and, after seeing its
contents, transmits the information to the merchant's server 80C.
In step SP325, the merchant's server 80C receives the input
information from the gateway server 32 . Then, the merchant' s server
80C, among the received information, transmits the credit card
contract information and sales amount information to the credit
company's server 60B.
In step SP327, the credit company's server 60B receives these
credit information from the merchant's server 80C. In step SP329,
the credit company's server 6OB retrieves the received credit
information in the member database 61B and determines whether the
requested credit card shopping is valid or not.
This determination is to check items such as if the credit
card contract is not expired; if the credit limit is not exceeded;
if the magnetic card is not disabled; or if the credit card contract
itself has no effect.
As a result of the determination in step SP329, when it is
determined as invalid, the routine advances to step SP331, and the
credit company's server 60B transmits a notification indicating the
denial of the requested credit card shopping to the merchant's
server 80C.
On the other hand, as a result of the determination in step
SP329, when it is determined as valid, the process of the credit
card company's server 60B advances to step SP333, transmits a credit
approval notification to the merchant's server 80C, and further
stores the credit history and payment information in the credit
database 62B in step SP335.
CA 02549387 2000-12-07
In step SP337, the merchant's server 80C receives the
notification from the credit card company's server 60B. Then in
step SP339, the merchant's server 80C transmits the received
notification to the gateway server 32 addressed to the mobile
5 station 100. If the notification is a credit approval notification,
the merchant's server 80C stores the product selected by the user
as credit card sales information and performs a predetermined
processing such as sending the product to the user.
In step SP341, the gateway server 32 receives the notification
10 from the merchant's server 80C and transmits to the mobile station
100.
In step SP343, the mobile station 100 receives the
notification from the gateway server 32 and displays the received
contents on the liquid crystal display 132, thereby notifying the
15 user.
[2-3. Operation in Renewing the Credit Card Contract]
Next, the operation in renewing a credit card contract will
be described.
20 Fig. 16A and Fig. 16B cooperate to form a flow diagram showing
the operational flow in renewing a credit card contract.
In step SP401, the credit card company's server (herein
assumed as 60A) creates the prospective contract-renewal members
file 601 referring to the member database 60A. In step SP403, the
25 credit card company's server 60A transmits, referring to the
prospective contract-renewal members file 601, a contract renewal
advance notification to notify the renewal of the credit card
contract in advance, out to the Internet 70, addressed to a mobile
CA 02549387 2000-12-07
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station (herein assumed as the mobile station 100) of the user with
prospective contract renewal.
In step SP405, the gateway server 32, upon receiving the
contract renewal advance notification, pages the mobile station 100
to redirect the above notification.
In step SP407, the mobile station 100 receives the contract
renewal advance notification from the gateway server 32 and displays
the received notification on its liquid crystal display 132.
In step SP409, the mobile station 100, by a key operation
by the user, transmits response information in response to the
displayed contract renewal advance notification. The response
information designates either "will renew" or "will not renew" with
regard to the contract renewal.
In step SP411, the gateway server 32 receives the response
information from the mobile station 100 and transmits to the credit
card company's server 60A.
In step SP413, the credit card company's server 60A receives
the response information from the gateway server 32.
In step SP415, the credit card company's server 60A, based
on the received response information, determines whether or not the
credit card contract with the user of the mobile station 100 can
- be renewed.
As a result of the determination in step SP415, if the contract
is renewable, the routine advances to step SP417, and the credit
company's server 60A generates renewed credit card contract
information, the new credit card contract information being sent
out to the Internet 70 addressed to the mobile station 100 as well
as being stored in the member database 60A.
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As a result of the determination of step SP415, if the contract
is not renewable, the routine advances to step SP421, and the credit
card company's server 60A deletes information on the user whose
contract cannot be extended, the information being stored in the
member database 61A. Then in step SP423, the credit card company's
server 60A sends a notification designating that the contract cannot
be renewed, out to the Internet 70, addressed to the mobile station
100.
Then in step SP425, the gateway server 32 receives from the
credit card company's server 60A the renewed credit card contract
information or the contract non-renewal notification and stores
them for the time being.
Then in step SP427, the gateway server 32 pages the mobile
station 100 and transmits a notification designating that
information addressed to the mobile station 100 from the credit card
company's server 60A have been received.
In step SP429, the mobile station 100 receives the information
receive notification data from the gateway server 32 and displays
them on its liquid crystal display 132, thereby notifying the user.
In step SP431, by a key operation by the user who has seen
the display, the mobile station 100 transmits to the gateway server
32 a request for requesting to obtain the information stored
therein.
In step SP433 , the gateway server 32 receives the information
obtaining request from the mobile station 100, in response to which,
the gateway server 32 transmits the after-renewed credit card
contract information or the contract non-renewal notification
stored therein to the mobile station 100.
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In step SP435, the mobile station 100 receives the renewed
credit card contract information or the no-contract-renewal
notification data from the gateway server 32 and displays them on
its liquid crystal display 132.
In step SP437, the mobile station 100, when it has received
the renewed credit card contract information, updates information
such as an expiration date. Alternatively, when it has received
the effect of no-contract-renewal, the credit card contract
information stored in the credit card contract ROM 123 is deleted
after the expiration of a term of validity.
If the user does not respond to the credit card contract
advance notification given to the mobile station 100 even after the
expiration date, it is regarded that the user has responded "YES"
to the contract renewal; the credit card company server 60A
transmits credit card contract information renewed at the time of
the expiration to the mobile station 100 via the gateway server,
and the mobile station 100 updates information such as an expiration
date.
[2-4. Operation in Changing the Registered Member Information]
Also in the case of changing member's name and address, it
is possible to make these changes using a mobile station 100. An
operation in making changes in a credit card contract will be
described hereinafter.
Fig. 11A, Fig. 11B, Fig. 17A, and Fig. 17B cooperate to form
a flow diagram showing the operation, using the mobile station 100,
in a credit card contract.
The operation shown in Fig. 11A and Fig. 11B is almost same
CA 02549387 2000-12-07
39
as the sign-up of a credit card contract, but in step SP107 of Fig.
11A, a user should select "change in registered member information"
as a desired service. Description for the rest of the operation
will be omitted.
In step SP501 of Fig. 17A, all the credit card companies with
which the user is under contract are displayed on the liquid crystal
display 132.
In step SP503, the user selects by a key operation a desired
credit card company from among the displayed credit card companies .
Here, it is also possible to select all the credit card companies .
It is assumed here that the credit card company A has been selected.
In step SP505, the mobile station 100 transmits the name of
the selected credit card company to the gateway server 32.
In step SP509, the gateway server 32 receives the name of
the credit card company from the mobile station 100 and transmits
a request for making changes in the registered member information
toward the credit card company's server 60A.
In step SP511, the credit card company's server 60A receives
the request for making changes in the registered member information.
In step SP513, the credit card company's server 60A sends
change screen information of the credit card contract of the company
A out to the Internet 70 addressed to the mobile station 100.
In step SP515, the gateway server 32 receives the change
screen information from the credit card company's server 60A via
the Internet and transmits the received screen information
addressed to the mobile station 100.
In step SP517, the mobile station 100 receives the change
screen information from the gateway server 32 and displays a change
CA 02549387 2000-12-07
screen on the liquid crystal display 132.
In step SP519, the user enters items to change referring to
the change screen displayed on the liquid crystal display 132.
In step SP521, the mobile station 100 transmits the entered
5 change items to the gateway server 32.
In step SP523, the gateway server 32 receives the changed
items and transmit them to the credit card company's server 60A.
In step SP525, the credit card company's server 60A receives
the changed items.
10 In step SP527, the credit card company's server 60A changes
user profiles and attributes associated with the credit card
contract stored in itself, based on the received changed items.
Once the changing processing is complete, the credit card
company's server 60A advances to step SP529 and sends a notification
15 to designate the completion of change-in-contract processing out
to the Internet 70 addressed to the mobile station 100.
In step SP531, the gateway server 32 receives via the Internet
70 the notification of completion to be transmitted to the mobile
station 100.
20 In step SP533, the mobile station 100 receives the
notification of completion from the gateway server 32, and in step
SP535, the mobile station 100 displays the received notification
of completion on its liquid crystal display 132.
25 [2-5. Operation in Canceling a Credit Card Contract]
It is possible to use this system also in the processing for
canceling a credit card contract. An operation in a credit card
contract using a mobile station 100 will be described hereinafter.
CA 02549387 2000-12-07
41
Fig. 11A, Fig. 11B, and Fig. 18 cooperate to form a flow
diagram showing the operation of the case where a user cancels a
credit card contract using the mobile station 100.
The operation shown in Fig. 11A and Fig. 11B is almost same
as the sign-up for a credit card contract, but in step SP107 of Fig.
11A, a user should select "cancel a credit card contract" as a desired
service. Description for the rest of the operation shall be
omitted.
In step SP601 in Fig. 18, all the credit companies with which
the user is under contract are displayed on the liquid crystal
display 132.
In step SP603, the user selects, from among the displayed
credit card companies, a desired credit card company by a key
operation. It is assumed here that the credit card company A has
been selected.
In step SP605, the mobile station 100 transmits the name of
the selected credit card company to the gateway server 32.
In step SP607, the gateway server 32 receives the name of
credit card company from the mobile station 100 and transmits to
the credit card company's server 60A a request for canceling the
credit card contract.
In step SP609, the credit card company's server 60A receives
the credit card contract canceling request from the gateway server
32.
In step SP611, the credit card company's server 60A, based
on the received credit card contract canceling request, performs
the canceling processing of the credit card contract such as
deleting the user profile information and credit card contract
CA 02549387 2000-12-07
42
attributes information stored in the member database 61A.
In step SP613, the credit card company's server 60A sends
out to the Internet 70 a notification that tells that the contract
cancellation processing has been completed, addressed to the mobile
station 100.
In step SP615, the gateway server 32 receives the notification
of completion through the Internet 70, and sends it to the mobile
station 100.
In step SP617, the mobile station 100 receives the
notification of completion from the gateway server 32.
In step SP619, the mobile station 100 displays the received
notification of completion on its liquid crystal display 132.
[2-6. Operation in Disabling the Communication and Credit Card
Function of Mobile Station 100]
In cases where a user has lost a mobile station 100 or had
it stolen, it is necessary to disable the credit function in order
to prevent a third person from illegal use of the mobile station
100. An operation of the mobile station 100 and the control unit
in disabling the credit function of the mobile station 100 will be
described hereinafter.
Fig. 19 is a flow chart showing the flow of the process by
the mobile station 100 and the control unit of disabling the credit
card function of the mobile station 100.
A user who owns the mobile station 100, in the case of losing
the mobile station 100, makes a contact with a common carrier who
manages the mobile telephone network 20 and the mobile packet
communication network 30 by a predetermined method, and requests
CA 02549387 2000-12-07
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to disable the calling and credit card function of the mobile station
100.
In step SP701, the communication carrier who has received
the above report, by using a specified administrative terminal,
makes an access to a memory that stores disabling information
corresponding to the subject mobile communication terminal, the
subscriber database 331 of the control unit 33 in the present
embodiment, and registers a flag that designates the disablement
of communication service for the user and his credit card.
After this operation, the communication service by the mobile
station 100 of the subject user and its credit card function become
disabled. In the concrete, the operation will be described
hereinafter.
First in step SP703, a third person who has illegally gained
the mobile station 100 turns on the mobile station 100.
In step SP705, the mobile station 100 uses a particular
channel and transmitsdispatch informationincluding a notification
that tells that the power is on and identification number that are
identification information for identifying the mobile station 100.
The base station that includes the mobile station 100 in its control
area (herein assumed as the base station 32) receives the dispatch
information concerning the location of the mobile station 100, the
dispatch information being sent to the control unit 33.
In step SP707, the control unit 33 receives the dispatch
information from the base station 32 . Then in step SP709, the control
unit 33 makes an access to the subscriber database 331 and determines
presence or absence of the disabling information of the calling and
credit card functions of the sender, the mobile station 100.
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In step SP711, the control unit 33, which has determined that
the disabling information is present, transmits through the base
station 32 to the mobile station 100 disabling signals for
suspending the calling and credit card functions of the mobile
station 100 are to be disabled.
In step SP713, the mobile station 100 receives an instruction
of disabling the calling and credit card functions through the base
station 31.
In step SP715, the mobile station 100 performs the process
for disabling the calling and credit card functions.
In the process for disabling the calling, the operation of
each section which operates for the calling process of the mobile
station 100 will be stopped, and the wireless communication function
of the mobile station 100 will be suspended. In the process for
disabling the credit card function, the credit card contract
information stored in the credit card contract ROM 123 will be
deleted, thereby inhibiting the use of card information.
[2-7. Operation in Inquiring the Credit History]
Using a mobile station 100, a user can make an access to the
credit card company's server 60A, 60B, . . . to inquire various types
of information such as credit history anti the amount of next payment
charged to the user's bank account.
Fig. 11A, Fig. 11B, and Fig. 20 cooperate to form a flow
diagram showing an operation when a user inquires a credit history
by using the mobile station 100.
The operation shown in Fig. 11A and Fig. 11B is almost same
as the sign-up for a credit card contract, but in step SP107 of Fig.
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11A, a user should select "credit history" as a desired service.
Description for the rest of the operation shall be omitted.
In step SP801 of Fig. 20, all the credit card companies with
which the user is under contract are shown on the liquid crystal
5 display 132.
In step SP803, the user selects by a key operation a desired
credit card company from among the displayed credit card companies .
It is assumed here that the credit card company A has been selected.
In step SP805, the mobile station 100 transmits the name of
10 the selected credit card company (company A) to the gateway server
32.
In step SP807, the gateway server 32 receives the name of
the selected credit card (company A) from the mobile station 100
and transmits a request for inquiring the credit history to the
15 credit card company's server 60A.
In step SP809, the credit card company's server 60A receives
the request for inquiring the credit history. In step SP811, the
credit card company's server 60A retrieves credit history
information stored in the credit database 62A.
20 In step SP813, the credit card company's server 60A transmits
the credit history information obtained as a result of the retrieval
out to the Internet 70 addressed to the mobile station 100.
In step SP815, the gateway server 32 receives the credit
history information via the Internet 70 and transmits the
25 information to the mobile station 100.
In step SP817, the mobile station 100 receives the credit
history information from the gateway server 32. In step SP819, the
mobile station 100 displays the received credit history on its
CA 02549387 2000-12-07
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liquid crystal display 132.
[B. Modifications]
[B-1. Modifications in Signing Up for a Credit Card Contract]
In the above-mentioned description, all steps of the
operation in signing up for a credit card contract are performed
in one calling session, but it is not necessarily in this way. In
other words, the operation of requesting a credit card contract from
the mobile station 100 to the credit card company's server 60 (i.e.
from step SP101 in Fig. 11A to step SP149 in Fig. 12B) and the
operation of responding from the credit card company's server 60
to the mobile station 100 (i.e. from step SP151 to step SP173 in
Fig. 12B)can be separated.
To illustrate, cases can be envisioned such that it takes
a considerable amount of time in the examination process of credit
card contracts and that a partial or whole examination process being
performed by other information processing devices or a human agent,
in which cases, it is possible to once end the communication between
the mobile station 100 and the credit card companies' server 60,
so that the credit card companies' server 60 may notify the result
of the examination to the mobile station 100 at a later date.
Further, the processing at the credit card companies' server
60A, 60B, ... in making a credit card contract may only be the
processing associated with the operation of requesting a credit card
contract.
For example, the procedure may end in the step SP149 of Fig.
12B, which is followed, in the case of the request for contract being
denied, by a notification to that effect over a telephone to the
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user. Alternatively, in the case of the request being approved,
a user is notified to that effect over a telephone, so that he/she
goes to the shop of the credit card company to get one's credit card
contract information written in the mobile station 100 through an
exclusive ROM reader/writer provided therein.
[B-2. Modifications in Changing Registered Member profiles]
Various changes for registered member profiles can be
conceived such as credit limit and card class, i.e. the change from
a normal-class credit card to a gold-class card, in addition to the
above-mentioned changes in name and address. In such cases, in
addition to the above-mentioned group of steps of the operation,
it will be necessary to take a step of examination by a credit card
company and a step of notification to the mobile station 100 from
the credit card company's server 60 of an approved change or a refused
change.
[B-3. Modifications in Disabling the Mobile Station 100 and Its
Credit Card Function]
Various timings can be conceived for the mobile station 100
to transmit the dispatch information, not being limited to the time
when power is turned on. _
For example, it can be envisioned such as the time when the
mobile station 100 requests a calling service or a packet
communication service to the mobile communication network; and the
time when the process for the credit use of the mobile station 100
is started at the shop. In other words, it may be set so that the
mobile station 100 transmits the information, triggered by some kind
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of operation by a person who has the mobile station 100.
Alternatively, the mobile station 100 may transmit the information
at all times or regularly while the power is on.
Further, when the disabling information is registered at the
control unit 33, the control unit 33 may page the mobile station
100 relating to the disablement to provide the mobile station 100
with the disabling information. Upon receiving the disabling
information, the mobile station 100 transmits a receive
confirmation signal, and the control unit 33 receives the receive
confirmation signal, thereby confirming that the mobile station 100
has received the disabling information.
Further, the control unit 33, after detecting that there has
been some kind of information transmitted from the mobile station
100, may transmit through many base stations 32 the above-mentioned
disabling information to each base station's control area at all
times or regularly. Then, the mobile station 100 that has received
the transmitted disabling information may conduct the disabling of
its own credit card function.
It is also possible for the control unit 33 to possess the
disabling information only for the calling function of the mobile
station 100, to be given to the mobile station 100. Then, the mobile
station 100 that has received the disablement-of-calling
information may determine its credit card function is also to be
disabled, performing the disabling operation of not only its calling
but also credit card function.
[B-4. Modifications in the Configurations of the Gateway Server 32,
Credit Card Company's Sever 60, and Merchant's server 80]
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The credit company's server 60A, 60B, . .. and the merchant's
server 80 maybe connected to, aside from the Internet 70, the gateway
server 32 through a private line, or may be provided inside the mobile
communication network.
[B-5. Modifications in the Roles of the Gateway Server 32, Credit
Card Company's Sever 60, and Merchant's server 80]
The functions of the gateway server 32, the credit company's
server 60 and the merchant's server 80, are not limited to the
above-mentioned embodiments, but various embodiments can be
conceived. For example, a part of functions of the merchant's
server 80 and the credit company's server 60 can be carried out by
the gateway server 32.
In the first embodiment, the credit card company's server
60A, 60B, ... stores entry screen information and change screen
information used for making a credit card contract or changes, but
the gateway server 32 instead can store those screen information.
As a result, when a request for contract or changes in contract is
transmitted from the mobile station 100 to the gateway server 32,
the gateway server 32 does not need to access the credit card
company's server 60A, 60B, . . . to provide entry screen information
with the mobile station 100.
Further, the gateway server 32, instead of the credit card
company's server 60A, 60B, ... , may conduct an examination for
determining approval or denial of credit card contracts. In order
to do this, the gateway server 32 stores criteria for determining
contract approval or denial that are provided in advance from each
of the credit card company's servers 60A, 60B, . . . , so as to conduct
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examinations based on these criteria.
Further, the gateway server 32 may store the prospective
contract-renewal members file 601 . In this case, the gateway server
32 is provided prospective contract-renewal members files 601 from
5 the credit card company's servers 60A, 60B, . . . , and based on the
given prospective contract-renewal members file 601, further
process with the mobile station 100 is carried out.
Also, in the above-mentioned embodiments, the gateway server
32 once stores information from the credit card company's server
10 60A, 60B, ... (i.e. credit card contract information and other
notifications), and transmits information receive notifications to
the mobile station 100. Then, in the case of receiving a request
for obtaining credit card contract information from the mobile
station 100, the gateway server 32 gives the credit card contract
15 information to the mobile station 100.
However, it is not limited thereto. For example, when the
gateway server 32 receives some kind of information addressed to
the mobile station 100 from the credit card company's server 60A,
60B, . . . , it is possible to give the information to the mobile station
20 100 without giving any prior notification to the mobile station 100,
or the information together with some kind of notification. In this
case, when the mobile station 100 receives the information from the _
gateway server 32, it transmits a receive confirmation signal, so
that the gateway server 32 confirms that the mobile station 100 has
25 received the information by receiving the reception confirmation
signal.
Further, in the above-mentioned embodiment for the credit
card shopping through the mobile packet communication network 30,
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all the input information transmitted from the mobile station 100
are received by the merchant's server 80 through the gateway server
32, and the merchant's server 80 transmits credit card contract
information and amount-of-transaction information among the input
information to the credit card company's server 60, but it is not
limited thereto.
For example, the gateway server 32 may classify contents of
the input information into a group of information addressed to the
merchant server 80 and the other group of information addressed to
the credit card company's server 60, and transmit them separately.
That is, the gateway server 32 transmits the sales product
information among the input information to the merchant's server
80; and transmits the credit card contract information and
amount-of-transaction information to the credit card company's
server 60. Then, credit-approval or denial information from the
credit card company's server 60 may be transmitted to the mobile
station 100 through the merchant's server 80, or from the credit
card company's server 60 directly to the mobile station 100 and the
merchant's server 80.
Further, the gateway server 32 may store shopping screens
and, upon receiving a request from the mobile station 100, provide
the stored shopping screen with the mobile station 100.
[B-6. Types of Contracts]
In the above embodiments, the contract has been described
in terms of the sign-up for credit cards, but it is not limited
thereto. Various types of contracts may be envisioned such as
opening bank accounts or making loan contracts with financial
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52
institutions, making insurance contracts with insurance companies,
or acquiring membership with various organizations.
[B-7. Modifications in the Mobile Station 100 and the CAT 40]
[B-7-1. First Modification]
A mobile station 100 may provide credit card contract
information with the CAT 40a, 40b, ... by using bar codes.
Fig. 21 is a block diagram showing a configuration of a mobile
station 100 that displays bar codes indicating credit card contract
information on the liquid crystal display 132.
Thismobilestation 100comprisesa transmitter-receiver110,
a control unit 120, a user interface 130 that has a liquid crystal
display 132, and a data input/output terminal 140.
Control programs stored in the program ROM 122 include a
program for generating bar code data designating credit card
contract information.
When there is a need to display credit card contract
information, the CPU 121 reads out credit card contract information
from the credit card contract ROM 123, generates bar code data
designating the credit card contract information in accordance with
the bar code generating program and displays the generated bar code
on the liquid crystal display 132.
On the other hand, the CAT 40a, 40b, ... is equipped with
a bar-code reader and capable of reading the bar code displayed on
the liquid crystal display 132 of the mobile station 100.
Fig. 22 is a block diagram showing a configuration of a CAT
40 equipped with the bar-code reader.
The CAT 40 comprises, a user interface 41, a
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transmitter-receiver 42, an output interface 43, a controller 44,
and a bar-code reader 45.
The controller 44 controls each section of the CAT 40. The
user interface 41 is for a sales person to enter sales amount. The
bar-code reader 45 reads the bar code displayed on the liquid crystal
display 132 of the mobile station 100. The transmitter-receiver
42 exchanges various information with the CAFIS network 50. The
output interface 43 is a printing device of a credit sales slip.
Other configurations and operations are same as the first
embodiment.
What to be displayed on the liquid crystal display 132 is
not limited to bar codes but may be anything that can be optically
read; for example, calra code or veri code.
[B-7-2. Second Modification]
A mobile station 100 may provide credit card contract
information with the CAT 40a, 40b, ... by using infrared rays.
Fig. 23 is a block diagram showing a configuration of the
mobile station 100 that provides credit card contract information
with the CAT 40a, 40b, ... by infrared rays.
Thismobilestation 100 comprisesa transmitter-receiver110,
a control unit 120, a user interface 130, a data input/output
terminal 140, a modulator 170, and an infrared emitter 180.
When there is a need to provide credit card contract
information to the CAT 40a, 40b, . . . , the CPU 121 reads out credit
card information from the credit card contract ROM 123 and gives
them to the modulator 170. The modulator 170 modulates infrared
ray carrier by signal waves corresponding to the given credit card
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contract information and give the modulated infrared rays to the
infrared emitter 180. The infrared emitter 180 emits the given
infrared rays.
On the other hand, the CAT 40a, 40b, ... is equipped with
an infrared receiver as well as a demodulator, by which the infrared
rays emitted from the infrared emitter 180 of the mobile station
100 are received and demodulated so as to acquire the credit card
contract information.
Fig. 24 is a block diagram showing a configuration of a CAT
40 that is equipped with the infrared receiver and the demodulator.
The CAT 40 comprises a user interface 41, a transmitter-
receiver 42, an output interface 43, a controller 44, the infrared
receiver 46, and the demodulator 47.
Other configurations and operations here are same as the first
embodiment.
[B-7-3. Third Modification]
Further, a mobile station 100 may provide credit card contract
information with a CAT 40a, 40b, . . . through an existing data output
terminal.
Fig. 25 is a block diagram showing a configuration of the
mobile station 100 where credit card contract information are given
to the CAT 40a, 40b, . . . through the existing data output terminal.
Thismobilestation100comprisesa transmitter-receiver110,
a control unit 120, a user interface 130, and a data input/output
terminal 140.
When there is a need to give credit card contract information
to the CAT 40a, 40b, . . . , the CPU 121 reads out credit card contract
CA 02549387 2000-12-07
information from the credit card contract ROM 123 and gives them
to the data input/output terminal 140. Subsequently, the data
input/output terminal 140 provides the given credit card
information to a data input/output terminal that is equipped with
5 the CAT 40a, 40b, ... .
Fig. 26 is a block diagram showing a configuration of a CAT
40 that is equipped with the data input/output terminal.
The CAT 40 comprises a user interface 41, a transmitter
receiver 42, an output interface 43, a controller 44, and the data
10 input/output terminal 48.
Other configurations and operations here are same as the first
embodiment.
[B-7-4. Other Variations in Mobile Station 100 and CAT 40]
15 In the above-mentioned description concerning the mobile
station 100 equipped with a magnetic stripe, the mobile station 100
has only one magnetic stripe 160 to which the magnetic writer 150
writes in credit card contract information every time credit
transactions are performed. However, it is not limited thereto.
20 For example, it is possible to provide a plurality of magnetic
stripes 160 on the magnetic card 161 so that one magnetic stripe
corresponds to one credit card contract information item. That is,
it means to provide as many magnetic stripes 160 as the number of
credit card contracts.
25 In this case, the CAT 40a, 40b, . . . reads out a magnetic
stripe 160 in which card information of the designated credit card
company is stored from among a plurality of magnetic stripes 160.
Also, in cases where users carry out credit card shopping
CA 02549387 2000-12-07
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only through the mobile packet communication network as mentioned
above, the mobile station 100 does not need to have a magnetic stripe
160. This is because it is possible to receive and transmit data
to/from the credit card company's server 60A, 60B, ... only with
a wireless communication function in the case of the credit card
shopping using the mobile packet communication network.
Further, in the above-mentioned description, mobile stations
such as cellular phones and PHS possess the card information of
credit cards. However, the carrier side is not limited to a mobile
station 100 but may be any mobile communication terminal without
a calling function, for example, PDA.
Further, in the above-mentioned description, the CAT 40A,
40B, . . . may give its own information to the mobile station 100. For
example, in the case of credit card shopping, information such as
the date of sales, merchant, sales amount that are stored in the
CAT 40A, 40B,... may be given to a mobile station 100. By doing
this, the mobile station 100 can, without making an access the credit
card company's server 60A, 60B, . . . , accumulate its credit history
based on which one is able to total the amount of credit purchases
to be drawn from one's bank account.
To do this, in each of the above-mentioned embodiments, the
_ CAT 40a, 40b, . . . may be equipped with a data input/output terminal
capable of giving the above information by being connected to the
data input/output terminal of the mobile station 100.
[B-8. Variations in User Authentication]
The above-mentioned embodiments are such that the gateway
server 32 conducts user authentication by matching the password
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pre-stored in the gateway server 32 and the password entered to the
mobile station 100 by its user upon a request for starting a packet
communication, but it is not limited thereto.
For example, the mobile station 100 may store a password for
user authentication in advance. By doing this, the mobile station
100 can conduct user authentication without carrying out
communication with the gateway server 32.
Further, in addition to the password (a first password) stored
in the gateway server 32, another password (a second password) may
be stored in the credit card company's server 60. In this case,
upon starting a packet communication, the first password is matched
between the mobile station 100 and the gateway server 32, the second
password further being matched between the mobile station 100 and
the credit card company's server 60 at the time of shopping with
credit card or inquiring for one's credit history. Thus, it is
expected to enhance the protection of privacy and security in using
credit.
