DETAILED ACTION
This is a final office action on the merits. The U.S. Patent and Trademark Office (the Office) has received claims 1 – 20.
Claims 1, 12, and 13.
Claims 1-20 are pending and have been examined on the merits.
Notice of Pre-AIA or AIA Status
The present application, filed on or after March 16, 2013, is being examined under the first inventor to file provisions of the AIA .
Response to Arguments
Claim Rejections - 35 USC § 103
Applicant's arguments filed 08/29/2025 have been fully considered but are not persuasive.
Claim 1 – “Yoshiyoshi does not disclose approach-triggered recharge authorization”
The office action cited Yoshiyoshi (¶ 0028-0031) for transmitting a request for authorization for a credit payment for a recharge amount when approaching of the mobile terminal to the wireless communication device is detected. Applicant’s reliance on Yoshiyoshi (¶ 0032) as “only insufficient funds” is not limiting; Yoshiyoshi (¶ 0032) is an additional teaching that replenishment can be performed via cellular communication. The cited teachings reasonably support initiating recharge/authorization in connection with detected approach/arrival.
Claim 1 – “No proper rationale to combine Oh and Nagai”
The combination is a predictable use of known payment-processing techniques: incorporating Nagai/Yoshiyoshi’s recharge/authorization processing into Oh’s device-based transaction system to ensure sufficient stored value and enable completion of the transaction with reduced user burden/failed transactions. This is a conventional motivation consistent with KSR (predictable results).
Independent Claims 12-14 – “Examiner did not address prior arguments; action can’t be final”
The arguments was not persuasive to overcome the merits of the 103 rejection. Claims 12-14 recite substantially the same disputed feature (“transmitting a request for authorization…for recharging…when approaching…is detected”), which is taught by the applied references as set forth for claim 1 in the Office Action.
Claim 12 – “Nagai does not teach approach triggered authorization; rationale only mentions Oh + Karabinis”
The applied combination relies on Nagai/Yoshiyoshi for the recharge/authorization aspect in conjunction with approach detection/transaction completion taught by the references. Any omission in phrasing of the rationale does not negate that the references, as applied, teach the limitation and provide a predictable reason to combine.
Dependent Claims 4-6 – “Yoshiyoshi doesn’t teach increasing a distance threshold, expectation-based increase, or necessary time timing”
Claim 4: Yoshiyoshi (¶ 0010) teaches using moving speed and a threshold for determining arrival/location-related behavior and supports speed-based threshold adjustment as applied. Using a distance/RSSI threshold rather than another threshold type is a routine, result-effective design choice for proximity detection.
Claim 5: Yoshiyoshi (¶ 0062 and ¶ 0038) teach using historical/payment-related information to control behavior; applying expected value derived from history to adjust a proximity threshold is an obvious implementation detail.
Claim 6: Yoshiyoshi (¶ 0006 and ¶0036) teach timing/trigger control based on speed; accounting for authorization latency (necessary time required) by initiating detection earlier than expected arrival is an obvious engineering consideration when implementing approach-triggered authorization.
Claim Rejections - 35 USC § 103
The following is a quotation of 35 U.S.C. 103 which forms the basis for all obviousness rejections set forth in this Office action:
A patent for a claimed invention may not be obtained, notwithstanding that the claimed invention is not identically disclosed as set forth in section 102, if the differences between the claimed invention and the prior art are such that the claimed invention as a whole would have been obvious before the effective filing date of the claimed invention to a person having ordinary skill in the art to which the claimed invention pertains. Patentability shall not be negated by the manner in which the invention was made.
The factual inquires set forth in Graham v. John Deere Co., 383 U.S. 1, 148 USPQ 459 (1066), that are applied for establishing a background for determining obviousness under 35 U.S.C. § 103 are summarized as follows:
Determining the scope and contents of the prior art.
Ascertaining the differences between the prior art and the claims at issue.
Resolving the level of ordinary skill in the pertinent art.
Considering objective evidence present in the application indicating obviousness or nonobviousness.
Claim(s) 1- 20 is/are rejected under 35 U.S.C. 103 as being unpatentable over Oh et al. (WO 2016129863A1), hereinafter Oh, in view of Nagai et al. (US 20100145850 A1), hereinafter, Nagai and in further view of Karabinis et al. (US 20180077627 A1), hereinafter Karabinis and in further view of Yoshiyoshi (WO2012114598 – WIPO translated English Version).
Regarding Claim 1. Oh teaches (in BOLD):
A mobile terminal, configured to be used for electronic money payment of electronic value stored in a predetermined storage, [An electronic device and method of processing a payment at the electronic device are provided. The electronic device includes a secure memory configured to store payment information of a near field communication (NFC) method, payment information of a magnetic security transmit (MST) method, and fingerprint information or other user authentication information, a user authentication device integrally formed with the display, mounted at the housing, or connected wirelessly to the electronic device, and configured to obtain user authentication information from the user; and a processor configured to perform authentication based on stored user authentication information and obtained user authentication information and control a multiple payment operation of the NFC method and the MST method when fingerprint information obtained through fingerprint detection is valid. The processor is further configured to control a signal processing information according to the NFC method operation and a signal processing information according to the MST method operation to be outputted as one screen interface (Abstract, Oh)].
the mobile terminal configured to communicate with a predetermined server via a network and receive a radio signal transmitted from a wireless communication device provided integrally with or separately from a device capable of performing electronic money payment or a device capable of recharging an electronic value balance with a recharge amount, said mobile terminal comprising: [In various embodiments of the present disclosure, an electronic device may include at least one of part of furniture or buildings/structures supporting call forwarding service, electronic boards, electronic signature receiving devices, projectors, and various instruments (for example, water, electricity, gas, or radio signal instruments). An electronic device according to various embodiments of the present disclosure may be one of the above-mentioned various devices or a combination thereof. Additionally, an electronic device according to an embodiment of the present disclosure may be a flexible electronic device. Additionally, an electronic device according to an embodiment of the present disclosure is not limited to the above-mentioned devices and may include a new kind of an electronic device according to the technology development (¶ 65, Oh). The communication interface 170, for example, may set communication between the electronic device 100 and an external device (for example, a specified server device). For example, the communication interface 170 may communicate with an external device in connection to a network through wireless communication or wired communication. The wireless communication may use long-term evolution (LTE), LTE-advanced (LTE-A), code division multiple access (CDMA), wideband CDMA (WCDMA), universal mobile telecommunications system (UMTS), wireless broadband (WiBro), or global system for mobile communications (GSM) as a cellular communication protocol, for example. The wired communication, for example, may include at least one of universal serial bus (USB), high-definition multimedia interface (HDMI), recommended standard 232 (RS-232), and plain old telephone service (POTS). The network may include at least one of telecommunications network, for example, at least one of computer network (for example, local area network (LAN) or wide area network (WAN)), Internet, and telephone network. The communication interface 170, for example, may receive payment completion information (or a message (for example, short messaging service (SMS), multimedia messaging service (MMS), and the like) including payment completion content) from a specified server device (¶ 93, Oh)].
at least one memory configured to store computer program code; [The memory 130 may include volatile and/or nonvolatile memory. The memory 130, for example, may store instructions or data relating to at least one another component of the electronic device 100. According to an embodiment of the present disclosure, the memory 130 may store software and/or programs. The program may include a kernel, a middleware, an application programming interface, and an application. At least part of the kernel, the middleware, or the application interface may be called an operating system (OS) (¶ 78, Oh)].
at least one processor configured to read said computer program code and operate as instructed by said computer program code, said computer program code including: [An electronic device and method of processing a payment at the electronic device are provided. The electronic device includes a secure memory configured to store payment information of a near field communication (NFC) method, payment information of a magnetic security transmit (MST) method, and fingerprint information or other user authentication information, a user authentication device integrally formed with the display, mounted at the housing, or connected wirelessly to the electronic device, and configured to obtain user authentication information from the user; and a processor configured to perform authentication based on stored user authentication information and obtained user authentication information and control a multiple payment operation of the NFC method and the MST method when fingerprint information obtained through fingerprint detection is valid. The processor is further configured to control a signal processing information according to the NFC method operation and a signal processing information according to the MST method operation to be outputted as one screen interface (Abstract, Oh)].
authorization requesting code configured to cause at least one of said at least one processor to transmit a request for authorization for a credit payment for a recharge amount for recharging the electronic value balance, to the predetermined server via the network, based on detecting an approach of the mobile terminal to the wireless communication device; and [According to an embodiment of the present disclosure, the processor may execute a payment application at a payment application execution request. The processor may prepare a multiple payment method operation of the NFC method and the MST method relating to payment application execution. Additionally, the processor may prepare a barcode method operation in correspondence to an input event or a specified event occurrence. The operation preparation, for example, may include a state for receiving NFC detection signals from the outside by activating the NFC chip 161. The operation preparation, for example, may include determining whether the operation is a state for transmitting an MST signal by operating the sensor unit 190 (¶ 77, Oh). Field Name Comment Payment Token The Payment Token number refers to a surrogate value for a PAN that is a 13 to 19-digit numeric value that passes basic validation rules of an account number, including the Luhn determination digit. Payment Tokens are generated within a BIN range or Card range that has been designated as a Token BIN Range and flagged accordingly in all appropriate BIN tables. Payment Tokens are generated such that they will not have the same value as or conflict with a real PAN. Transaction messages The Payment Token number will be passed through the authorization, capture, clearing, and exception messages in lieu of the PAN. The Payment Token number may optionally be passed from the Token Service Provider to the Card Issuer as part of the authorization request. Token Expiry Date The expiration date of the Payment Token that is generated by and maintained in the Token Vault. The Token Expiry Date field carries a 4-digit numeric value that is consistent with the ISO 8583 format. Transaction messages The Token Expiry Date is passed in lieu of PAN Expiry Date. The value is replaced by the Token Service Provider with the PAN Expiry Date which is passed to the Card Issuer as part of the authorization request. Last 4 Digits of PAN The last four digits of the PAN to be provided optionally through the Acquirer to the Merchant for customer service usage, such as being printed on the consumer receipt. PAN Product ID The PAN Product ID is an optional identifier used for determining the type of Card product that was tokenized. It may be included in cases where transparency of this information is necessary. Transaction messages - The PAN Product ID may optionally be passed from the Token Service Provider to the Acquirer as part of the authorization response. POS Entry Mode This specification uses the POS Entry Mode field to indicate the mode through which the Payment Token is presented for payment. Each Payment Network will define and publish any new POS Entry Mode values as part of its existing message specifications and customer notification procedures. Transaction messages POS Entry Mode is an existing field that will be passed through the authorization, capture, clearing, and exception messages. Token This value uniquely identifies the pairing of Token Requestor with the Token Domain (¶ 447, Oh)].
Oh does not teach, however Nagai teaches (in BOLD):
authorization requesting code configured to cause at least one of said at least one processor to transmit a request for authorization for a credit payment for a recharge amount for recharging the electronic value balance, to the predetermined server via the network, based on detecting an approach of the mobile terminal to the wireless communication device; and [Further, the IC chip can be accessed from the electronic money terminal to increase a money amount of the value stored in the IC chip. Processing of increasing the value is called “charge” (¶ 0007, Nagai). increasing/decreasing a stored monetary value based on increase information or decrease information (¶ 00015). increase request accepting means for accepting an increase request for the monetary value of a predetermined money amount from the portable terminal; settlement means for making settlement of the predetermined money amount requested to increase on defrayment of the representative by using the associated intrinsic information; and increase information transmitting means for transmitting the increase information that is used to increase the monetary value of the predetermined money amount requested to increase to the portable terminal (Claim 16 ].
processing code configured to cause at least one of said at least one processor to perform processing of permitting recharging the electronic value balance with the recharge amount when credit approval is granted for the authorization. [An information processing device that executes information processing with respect to a portable terminal that includes a function of increasing/decreasing a stored monetary value based on increase information or decrease information, the information processing device comprising: correspondence storing means for storing intrinsic information that is used to enable a representative to make settlement and the portable terminal owned by a regular person in association with each other in regard to a group including the representative and the regular person; increase request accepting means for accepting an increase request for the monetary value of a predetermined money amount from the portable terminal; settlement means for making settlement of the predetermined money amount requested to increase on defrayment of the representative by using the associated intrinsic information; and increase information transmitting means for transmitting the increase information that is used to increase the monetary value of the predetermined money amount requested to increase to the portable terminal (Claim 16, Nagai)].
It would have been obvious to one of ordinary skill in the art before the effective filing date to modify the electronic device and method of processing a payment at the electronic device that stores instructions or data relating to at least one another component of the electronic device of Oh with the information processing device of Nagai because doing so allows the user to utilize the electronic device to complete their payment transaction with the information processing device.
Oh and Nagai does not teach, however Karabinis teaches (in BOLD):
measurement code configured to cause at least one of said at least one processor to measure a distance between the mobile terminal and the wireless communication device on the basis of a strength of the radio signal received by the mobile terminal; [In one embodiment, the detection by mobile subscriber device 14 of a proximity criterion relative to Entity 1 can enable the mobile subscriber device 14 to authorize and complete a financial transaction such as the payment of a toll and/or of an item at a check out line. The same detection by mobile subscriber device 14 of the proximity criterion relative to Entity 1 can also or alternatively enable the mobile subscriber device 15 to authorize and complete a financial transaction such as the payment of a toll and/or a payment for an item at a check out line. The enablement of the mobile subscriber device 15 may also be contingent on the mobile subscriber device 15 having satisfied a proximity criterion relative to a second entity, such as Entity 2. Thus, the proximity criterion can include various requirements depending on the particular application. The requirements may include at least one of having the device 14 being within a predetermined distance of Entity 1, the device 14 receiving a predetermined signal strength from Entity 1, being at such predetermined distance for a predetermined time interval and receiving a predetermined signal strength during the predetermined time interval (¶ 0038, Karabinis). In further embodiments, detecting comprises: using position information associated with the first device; using position information associated with the second device; detecting a signal (and/or a signal strength measurement such as RSSI) that is being radiated by the first device; detecting a signal (and/or a signal strength) that is being radiated by the second device; and/or detecting a signal (and/or a signal strength) that is being radiated by a device that is associated with the entity, wherein using position information may, according to some embodiments, comprise: evaluating a distance between the position information and one or more position values; and determining whether the distance is less than or equal to a threshold. In some embodiments, the one or more position values is/are predetermined (¶ 0041, Karabinis)].
detection code configured to cause at least one of said at least one processor to detect when the mobile terminal is approaching the wireless communication device on the basis of the measured distance; [Example/Application No. 1: A motor vehicle, such as, for example, a car, may be configured with a low-power radiator that radiates a signal that includes an identity of the motor vehicle, a velocity of the motor vehicle, an acceleration of the motor vehicle, a position of the motor vehicle, a Time-of-Day (ToD), a Time-of-Month (ToM), a Time-of-Year (ToY) and/or an indication of a content of the motor vehicle. Now imagine a person who is associated with the motor vehicle (e.g., an owner/driver of the motor vehicle) is approaching the motor vehicle. Let us assume that the person who is approaching the motor vehicle and is associated with the motor vehicle carries a wireless communications device. The wireless communications device may be configured to sense the signal that is being radiated by the low-power radiator, detect the identity of the motor vehicle and compare the detected identity with one or more a priori identities that are stored in the wireless communications device. If a match is found, the communications device may be configured to selectively enable, responsive to the match, for example, a “pay toll” function. Accordingly, as the motor vehicle approaches an access point that is configured to radiate a signal associated with toll collection, the communications device, responsive to having detected the signal associated with toll collection, may be configured to transmit information that may be used by the access point and/or by an associated toll collection system that may be connected to the access point to debit an account that is associated with a user and/or owner of the communications device (¶ 0021, Karabinis)].
It would have been obvious to one of ordinary skill in the art before the effective filing date to modify the electronic device and method of processing a payment at the electronic device that stores instructions or data relating to at least one another component of the electronic device of Oh with the information processing device of Nagai with the determining of the proximity criterion and approaching of the device of Karabinis because doing so allows the location of the mobile device to be known to the terminal and be detected when needed.
The combination of Oh, Nagai, and Karabinis does not teach, however Yoshiyoshi teaches (in BOLD):
authorization requesting code configured to cause at least one of said at least one processor to transmit a request for authorization for a credit payment for a recharge amount for recharging the electronic value balance, to the predetermined server via the network, based on detecting an approach of the mobile terminal to the wireless communication device; and [The mobile phone 1 is a portable information terminal that performs settlement processing by receiving charging information via short-range wireless communication, and can perform settlement processing of a boarding fee of a public transportation such as a railroad or a route bus by approaching the reader/writer device 2. When passing through the reader/writer device 2 at the departure point and the arrival point, the mobile phone 1 can acquire the identification information including the position information of the point from the reader/writer device 2 (¶ 0028, Yoshiyoshi). The reader/writer device 2 is a short-range communication device that performs short-range wireless communication with the mobile phone 1, and is, for example, installed at a ticket gate of each station of the railway facility. The reader/writer device 2 performs processing for transmitting charging information for performing settlement processing to the mobile phone 1. Identification information for specifying the departure point and the arrival point is transmitted to the mobile phone 1 (¶ 0030, Yoshiyoshi). The wireless LAN base station 3 is a position information transmission station that periodically wirelessly transmits position information such as a name, a latitude, and a longitude. Here, it is assumed that processing for transmitting the position information of the current position to the mobile phone 1 via the wireless LAN is performed by being installed around each station of the railway facility (¶ 0031, Yoshiyoshi).
Therefore, it would have been obvious to one of ordinary skill in the art before the effective filing date to modify the electronic device and method of processing a payment at the electronic device that stores instructions or data relating to at least one another component of the electronic device of Oh and the information processing device of Nagai and the determining of the proximity criterion and approaching of the device of Karabinis with the transmitting of Yoshiyoshi because doing so allows the location of the mobile device to be known to the terminal and be detected when needed and recharged when approaching.
Regarding Claim 2. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 1 above. The combination further teaches:
The mobile terminal of claim 1, further comprising; determination code configured to cause at least one of said at least one processor to determine whether the electronic value balance stored in the predetermined storage is equal to or smaller than a first threshold value wherein the authorization requesting code is further configured to cause at least one of said at least one processor to transmit the authorization request only when the determination code causes at least one of the at least one processor to determine that the electronic value balance is equal to or smaller than the first threshold value or smaller than the first threshold value. [An information processing device that executes information processing with respect to a portable terminal that includes a function of increasing/decreasing a stored monetary value based on increase information or decrease information, the information processing device comprising: correspondence storing means for storing intrinsic information that is used to enable a representative to make settlement and the portable terminal owned by a regular person in association with each other in regard to a group including the representative and the regular person; increase request accepting means for accepting an increase request for the monetary value of a predetermined money amount from the portable terminal; settlement means for making settlement of the predetermined money amount requested to increase on defrayment of the representative by using the associated intrinsic information; and increase information transmitting means for transmitting the increase information that is used to increase the monetary value of the predetermined money amount requested to increase to the portable terminal (Claim 16, Nagai)].
It would have been obvious to one of ordinary skill in the art before the effective filing date to modify the electronic device and method of processing a payment at the electronic device that stores instructions or data relating to at least one another component of the electronic device of Oh with the information processing device of Nagai because doing so allows the user to utilize the electronic device to complete their payment transaction with the information processing device.
Regarding Claim 3. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 1 above. The combination further teaches:
The mobile terminal of claim 1, wherein the processing code is further configured to cause at least one of said at least one processor to perform processing of permitting recharging the electronic value balance with the recharge amount only when credit approval is granted for the authorization and the measured distance measured is equal to or smaller than a second threshold value or smaller than the second threshold value. [In one embodiment, the detection by mobile subscriber device 14 of a proximity criterion relative to Entity 1 can enable the mobile subscriber device 14 to authorize and complete a financial transaction such as the payment of a toll and/or of an item at a check out line. The same detection by mobile subscriber device 14 of the proximity criterion relative to Entity 1 can also or alternatively enable the mobile subscriber device 15 to authorize and complete a financial transaction such as the payment of a toll and/or a payment for an item at a check out line. The enablement of the mobile subscriber device 15 may also be contingent on the mobile subscriber device 15 having satisfied a proximity criterion relative to a second entity, such as Entity 2. Thus, the proximity criterion can include various requirements depending on the particular application. The requirements may include at least one of having the device 14 being within a predetermined distance of Entity 1, the device 14 receiving a predetermined signal strength from Entity 1, being at such predetermined distance for a predetermined time interval and receiving a predetermined signal strength during the predetermined time interval (¶ 0038, Karabinis). In further embodiments, detecting comprises: using position information associated with the first device; using position information associated with the second device; detecting a signal (and/or a signal strength measurement such as RSSI) that is being radiated by the first device; detecting a signal (and/or a signal strength) that is being radiated by the second device; and/or detecting a signal (and/or a signal strength) that is being radiated by a device that is associated with the entity, wherein using position information may, according to some embodiments, comprise: evaluating a distance between the position information and one or more position values; and determining whether the distance is less than or equal to a threshold. In some embodiments, the one or more position values is/are predetermined (¶ 0041, Karabinis)].
4. Regarding Claim 4. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 3 above. The combination further teaches (BOLD and underlined is taught by Yoshiyoshi listed last):
The mobile terminal of claim 3, further comprising setting code configured to cause at least one of said at least one processor to increase the second threshold value larger as a moving speed of the mobile terminal is increases, wherein the moving speed is calculated on the basis of a difference between distances and a difference in measurement time, and the difference between distances is obtained by measuring distances a plurality of times by the measurement code at different timings. [Example/Application No. 1: A motor vehicle, such as, for example, a car, may be configured with a low-power radiator that radiates a signal that includes an identity of the motor vehicle, a velocity of the motor vehicle, an acceleration of the motor vehicle, a position of the motor vehicle, a Time-of-Day (ToD), a Time-of-Month (ToM), a Time-of-Year (ToY) and/or an indication of a content of the motor vehicle. Now imagine a person who is associated with the motor vehicle (e.g., an owner/driver of the motor vehicle) is approaching the motor vehicle. Let us assume that the person who is approaching the motor vehicle and is associated with the motor vehicle carries a wireless communications device. The wireless communications device may be configured to sense the signal that is being radiated by the low-power radiator, detect the identity of the motor vehicle and compare the detected identity with one or more a priori identities that are stored in the wireless communications device. If a match is found, the communications device may be configured to selectively enable, responsive to the match, for example, a “pay toll” function. Accordingly, as the motor vehicle approaches an access point that is configured to radiate a signal associated with toll collection, the communications device, responsive to having detected the signal associated with toll collection, may be configured to transmit information that may be used by the access point and/or by an associated toll collection system that may be connected to the access point to debit an account that is associated with a user and/or owner of the communications device (¶ 0021, Karabinis)].
Yoshiyoshi teaches (BOLD and underlined);
The mobile terminal of claim 3, further comprising setting code configured to cause at least one of said at least one processor to increase the second threshold value larger as a moving speed of the mobile terminal is increases, wherein the moving speed is calculated on the basis of a difference between distances and a difference in measurement time, and the difference between distances is obtained by measuring distances a plurality of times by the measurement code at different timings. [ According to such a configuration, by comparing the moving speed with the threshold value, it is determined that the location where the getting-off possible point is close is determined, and the boarding fee can be calculated, and the boarding fee and the remaining amount of the valuable value can be compared. Therefore, it is possible to determine that the balance of the valuable value after subtracting the boarding fee reaches the short-range communication device at the arrival point. In addition, compared to a case where the boarding fee is calculated foreach fixed time and compared with the threshold value, the power consumed by the calculation of the boarding fee can be suppressed (¶ 0010, Yoshiyoshi).
It would have been obvious to one of ordinary skill in the art before the effective filing date to modify the electronic device and method of processing a payment at the electronic device that stores instructions or data relating to at least one another component of the electronic device of Oh and the information processing device of Nagai and the determining of the proximity criterion and approaching of the device of Karabinis with the transmitting of Yoshiyoshi because doing so allows the location of the mobile device to be known to the terminal and be detected when needed and recharged when approaching.
Regarding Claim 5. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 3 above. The combination further teaches (BOLD and underlined is taught last by Yoshiyoshi):
The mobile terminal of claim 3, further comprising setting code configured to cause at least one of said at least one processor to identify a time in the past at which the an electronic money payment was made by the device capable of performing electronic money payment based on, from a payment history of the user, and to increase the second threshold value larger as an expectation value of the electronic money payment increases wherein the electronic money is made in a time block including the identified time. [In one embodiment, the detection by mobile subscriber device 14 of a proximity criterion relative to Entity 1 can enable the mobile subscriber device 14 to authorize and complete a financial transaction such as the payment of a toll and/or of an item at a check out line. The same detection by mobile subscriber device 14 of the proximity criterion relative to Entity 1 can also or alternatively enable the mobile subscriber device 15 to authorize and complete a financial transaction such as the payment of a toll and/or a payment for an item at a check out line. The enablement of the mobile subscriber device 15 may also be contingent on the mobile subscriber device 15 having satisfied a proximity criterion relative to a second entity, such as Entity 2. Thus, the proximity criterion can include various requirements depending on the particular application. The requirements may include at least one of having the device 14 being within a predetermined distance of Entity 1, the device 14 receiving a predetermined signal strength from Entity 1, being at such predetermined distance for a predetermined time interval and receiving a predetermined signal strength during the predetermined time interval. The requirements can also include having device 15 being within a predetermined distance and/or predetermined signal strength of Entity 2, and/or being within such predetermined distance and/or signal strength during a predetermined time interval. It will be understood that at least one of devices 16 and 17, shown in FIG. 1 as being attached to Entity 1 and Entity 2, respectively, may, according to some embodiments, comprise a wireless transmitter and/or receiver (¶ 0038, Karabinis)].
Yoshiyoshi teaches (BOLD and underlined);
The mobile terminal of claim 3, further comprising setting code configured to cause at least one of said at least one processor to identify a time in the past at which the an electronic money payment was made by the device capable of performing electronic money payment based on, from a payment history of the user, and to increase the second threshold value larger as an expectation value of the electronic money payment increases wherein the electronic money is made in a time block including the identified time. [Steps S 101 to S 107 of FIG. 5 are flowcharts showing an example of a departure point specification process in the mobile phone 1 of FIG. 2. First, the short-range wireless communication unit 151 receives the identification information from the reader/writer device 2 (step S 101). Next, the identification information acquisition unit 152acquires the identification information from the short-range wireless communication unit 151 and stores the identification information in the boarding history storage unit 153 in association with the reception time (step S102). On the other hand, when detecting the radio wave transmitted from the reader/writer device 2, the departure point specification unit 17 reads out the identification information having the highest reception time among the identification information held in the boarding history storage unit 153 (step S 103, S 104). Next, based on the classification information included in the identification information, it is determined whether the read identification information is the identification information of the departure station (step S 105). If the read identification information is the identification information of the arrival station, the process returns to step S 101 (¶ 0062). Further, when the state in which the moving speed is lower than the threshold continues to exceed the fixed time, the power supply unit 14 suppresses the power consumption of the position information receiving unit 16 by performing an operation of interrupting the power supply to the position information receiving unit 16. This fixed time is a period for determining a non-boarding period in which the user does not get on the vehicle, and is predetermined, for example, as a time longer than the transfer time and waiting time of the general vehicle (¶ 0038)].
Regarding Claim 6. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 1 above. The combination further teaches:
The mobile terminal of claim 1, further comprising: first acquisition code configured to cause at least one of said at least one processor to acquire a necessary time required for the authorization; and calculation code configured to cause at least one of said at least one processor to calculate an expected arrival time at which the user arrives at the device, on the basis of a moving speed and a latest distance, wherein the moving speed is calculated on the basis of a difference between distances and a difference in measurement time, the difference between distances being obtained by measuring distances a plurality of times by the measurement code at different timings, and the a latest distance being measured by the measurement code, and wherein the detection code is further configured to cause at least one of said at least one processor to detect that the mobile terminal is approaching the wireless communication device, at a point of time earlier by the necessary time before the expected arrival time. [Example/Application No. 1: A motor vehicle, such as, for example, a car, may be configured with a low-power radiator that radiates a signal that includes an identity of the motor vehicle, a velocity of the motor vehicle, an acceleration of the motor vehicle, a position of the motor vehicle, a Time-of-Day (ToD), a Time-of-Month (ToM), a Time-of-Year (ToY) and/or an indication of a content of the motor vehicle. Now imagine a person who is associated with the motor vehicle (e.g., an owner/driver of the motor vehicle) is approaching the motor vehicle. Let us assume that the person who is approaching the motor vehicle and is associated with the motor vehicle carries a wireless communications device. The wireless communications device may be configured to sense the signal that is being radiated by the low-power radiator, detect the identity of the motor vehicle and compare the detected identity with one or more a priori identities that are stored in the wireless communications device. If a match is found, the communications device may be configured to selectively enable, responsive to the match, for example, a “pay toll” function. Accordingly, as the motor vehicle approaches an access point that is configured to radiate a signal associated with toll collection, the communications device, responsive to having detected the signal associated with toll collection, may be configured to transmit information that may be used by the access point and/or by an associated toll collection system that may be connected to the access point to debit an account that is associated with a user and/or owner of the communications device (¶ 0021, Karabinis)].
Yoshiyoshi teaches:
The mobile terminal of claim 1, further comprising: first acquisition code configured to cause at least one of said at least one processor to acquire a necessary time required for the authorization; and calculation code configured to cause at least one of said at least one processor to calculate an expected arrival time at which the user arrives at the device, on the basis of a moving speed and a latest distance, wherein the moving speed is calculated on the basis of a difference between distances and a difference in measurement time, the difference between distances being obtained by measuring distances a plurality of times by the measurement code at different timings, and the a latest distance being measured by the measurement code, and wherein the detection code is further configured to cause at least one of said at least one processor to detect that the mobile terminal is approaching the wireless communication device, at a point of time earlier by the necessary time before the expected arrival time. [The power supply unit 14 is a power supply device that supplies power to the position information reception unit 16on the basis of the movement speed, and switches the presence or absence of power supply to the positioninformation reception unit 16 on the basis of the comparison result of the movement speed comparison unit 13. Bythis switching, the state in which the position information reception unit 16 performs the acquisition operation ofthe position information by the wireless communication and the state in which the acquisition operation of theposition information is not performed are switched. Specifically, when the movement speed obtained by themovement speed estimation unit 12 is shifted from a state higher than the threshold to a low state, power supplyto the position information reception unit 16 is started, and when the movement speed is higher than thethreshold, the power supply to the position information reception unit 16 is cut off (¶ 0036, Yoshiyoshi). In general, the boarding fee for public transportation such as a railroad or a route bus varies depending on theboarding fee. Therefore, by performing short-range communication with the reader/writer device at the arrivalpoint, the boarding fee is determined and settlement processing of the determined boarding fee is performed. Atthis time, if the boarding fee exceeds the remaining amount of the valuable value in the portable informationterminal, the settlement processing cannot be performed, and the settlement processing must be performed againafter replenishing the valuable value. That is, before reaching the reader/writer device at the arrival point, there hasbeen a problem that the shortage of the balance of the valuable value cannot be determined, and the valuablevalue cannot be replenished in advance (¶ 0006, Yoshiyoshi)].
Regarding Claim 7. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 1 above. The combination further teaches:
The mobile terminal of claim 1, further comprising cancellation requesting code configured to cause at least one of said at least one processor to transmit a request for cancellation of the credit approval to the predetermined server via the network, when the electronic money payment of the electronic value is not performed within a predetermined time period after credit approval is granted for the authorization for the recharge amount. [The payment information, for example, may include token information. The token information may include validity determination related time information or count information. The token information including time information may lose the validity when corresponding time information elapses. The token information including count information may lose the validity when corresponding count information exceeds. The token information that lost the validity may not operate further and the electronic device 100 may require update when the token information loses the validity. Additionally, the electronic device 100 may require new token information replacement (¶ 91, Oh)].
Regarding Claim 8. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 1 above. The combination further teaches:
The mobile terminal of claim 1, further comprising cancellation requesting code configured to cause at least one of said at least one processor to transmit a request for cancellation of the credit approval to the predetermined server via the network, when electronic money payment of the electronic value is not performed within a predetermined time period after the radio signal is not received by the mobile terminal after credit approval is granted for the authorization. [According to various embodiments of the present disclosure, the acquirer server 3130 may deliver at least one of token, encryption information, and payment information to the payment network 3140. For example, the acquirer server 3130 may deliver at least one of the token, the cryptogram, and the payment information, which are received from the POS 3120, to the payment network 3140 (¶ 485, Oh)].
Regarding Claim 9. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 1 above. The combination further teaches:
The mobile terminal of claim 1, further comprising: second acquisition code configured to cause at least one of said at least one processor to acquire payment amount information indicating a payment amount necessary for payment through the device capable of performing electronic money payment; and determination code configured to cause at least one of said at least one processor to determine the recharge amount on the basis of a payment amount indicated by the payment amount information acquired by the second acquisition code and the electronic value balance, wherein the authorization requesting code is further configured to cause at least one of said at least one processor to transmit a request for authorization for a credit payment of the determined recharge amount determined. [According to various embodiments of the present disclosure, the acquirer server 3130 may deliver at least one of token, encryption information, and payment information to the payment network 3140. For example, the acquirer server 3130 may deliver at least one of the token, the cryptogram, and the payment information, which are received from the POS 3120, to the payment network 3140 (¶ 485, Oh)].
Regarding Claim 10. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 9 above. The combination further teaches:
The mobile terminal of claim 9, wherein the second acquisition code is further configured to cause at least one of said at least one processor to acquire the payment amount information from the radio signal received. [The high-frequency circuit 22 converts a high frequency transmitted from the reader/writer to the antenna 26 into a digital signal to be output to the CPU 21, or it converts a digital signal output from the CPU 21 into a high frequency to be transmitted to the electronic money terminal 8 or the like from the antenna 26 (¶ 0125, Nagai)].
Regarding Claim 11. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 9 above. The combination further teaches:
The mobile terminal of claim 9, wherein the second acquisition code is further configured to cause at least one of said at least one processor to identify, from the payment history of the user, a payment amount of the electronic money paid in the past through the device capable of performing electronic money payment, and acquire payment amount information indicating the identified payment amount, as payment amount information indicating a payment amount necessary for payment through the device capable of performing electronic money payment. [According to an embodiment of the present disclosure, the default card image 1610 shown at the top may relate to a recently used card. In relation to this, the electronic device 100 may store and mange a recently used card history. When an output of card images is requested according to payment application execution, the electronic device 100 may display an image relating to a corresponding card at the top by referring to the recently used card history. According to various embodiments of the present disclosure, the electronic device 100 may dispose card images at the top level and second level positions according to the order in the recently used card history (¶ 257, Oh)].
Regarding Claim 12. Oh teaches (in BOLD):
An information processing method performed by a mobile terminal and configured to be used for electronic money payment of electronic value stored in a predetermined storage means, the method comprising: receiving a radio signal transmitted from a wireless communication device provided integrally with or separately from a device capable of performing electronic money payment or a device capable of recharging an electronic value balance with a recharge amount; [In various embodiments of the present disclosure, an electronic device may include at least one of part of furniture or buildings/structures supporting call forwarding service, electronic boards, electronic signature receiving devices, projectors, and various instruments (for example, water, electricity, gas, or radio signal instruments). An electronic device according to various embodiments of the present disclosure may be one of the above-mentioned various devices or a combination thereof. Additionally, an electronic device according to an embodiment of the present disclosure may be a flexible electronic device. Additionally, an electronic device according to an embodiment of the present disclosure is not limited to the above-mentioned devices and may include a new kind of an electronic device according to the technology development (¶ 65, Oh)].
Oh does not teach, however Nagai teaches (in BOLD):
transmitting a request for authorization for a credit payment for a recharge amount for recharging the electronic value balance, to a predetermined server via a network, based on detecting an approach of the mobile terminal to the wireless communication device; and processing permitting recharge of the electronic value balance with the recharge amount when credit approval is granted for the authorization. [An information processing device that executes information processing with respect to a portable terminal that includes a function of increasing/decreasing a stored monetary value based on increase information or decrease information, the information processing device comprising: correspondence storing means for storing intrinsic information that is used to enable a representative to make settlement and the portable terminal owned by a regular person in association with each other in regard to a group including the representative and the regular person; increase request accepting means for accepting an increase request for the monetary value of a predetermined money amount from the portable terminal; settlement means for making settlement of the predetermined money amount requested to increase on defrayment of the representative by using the associated intrinsic information; and increase information transmitting means for transmitting the increase information that is used to increase the monetary value of the predetermined money amount requested to increase to the portable terminal.2. The mobile terminal according to claim 1, further comprising a determination code configured to cause at least one of said at least one processor to perform determine whether electronic value balance stored in the storage is equal to or smaller than a first threshold value or smaller than the first threshold value, wherein the authorization requesting code is configured to cause at least one of said at least one processor to transmit the authorization request only when the determination code causes at least one of the at least one processor to determine that the balance is equal to or smaller than the first threshold value or smaller than the first threshold value (Claim 16, Nagai)].
The combination of Oh and Nagai does not teach; however Karabinis teaches (in BOLD):
measuring a distance between the mobile terminal and the wireless communication device on the basis of a strength of the radio signal received; detecting that the mobile terminal is approaching the wireless communication device on the basis of the measured distance measured; [In one embodiment, the detection by mobile subscriber device 14 of a proximity criterion relative to Entity 1 can enable the mobile subscriber device 14 to authorize and complete a financial transaction such as the payment of a toll and/or of an item at a check out line. The same detection by mobile subscriber device 14 of the proximity criterion relative to Entity 1 can also or alternatively enable the mobile subscriber device 15 to authorize and complete a financial transaction such as the payment of a toll and/or a payment for an item at a check out line. The enablement of the mobile subscriber device 15 may also be contingent on the mobile subscriber device 15 having satisfied a proximity criterion relative to a second entity, such as Entity 2. Thus, the proximity criterion can include various requirements depending on the particular application. The requirements may include at least one of having the device 14 being within a predetermined distance of Entity 1, the device 14 receiving a predetermined signal strength from Entity 1, being at such predetermined distance for a predetermined time interval and receiving a predetermined signal strength during the predetermined time interval (¶ 0038, Karabinis). In further embodiments, detecting comprises: using position information associated with the first device; using position information associated with the second device; detecting a signal (and/or a signal strength measurement such as RSSI) that is being radiated by the first device; detecting a signal (and/or a signal strength) that is being radiated by the second device; and/or detecting a signal (and/or a signal strength) that is being radiated by a device that is associated with the entity, wherein using position information may, according to some embodiments, comprise: evaluating a distance between the position information and one or more position values; and determining whether the distance is less than or equal to a threshold. In some embodiments, the one or more position values is/are predetermined (¶ 0041, Karabinis)].
The combination of Oh, Nagai, and Karabinis does not teach however Yoshiyoshi teaches (in BOLD):
transmitting a request for authorization for a credit payment for a recharge amount for recharging the electronic value balance, to a predetermined server via a network, based on detecting an approach of the mobile terminal to the wireless communication device; and processing permitting recharge of the electronic value balance with the recharge amount when credit approval is granted for the authorization. The mobile phone 1 is a portable information terminal that performs settlement processing by receiving charging information via short-range wireless communication, and can perform settlement processing of a boarding fee of a public transportation such as a railroad or a route bus by approaching the reader/writer device 2. When passing through the reader/writer device 2 at the departure point and the arrival point, the mobile phone 1 can acquire the identification information including the position information of the point from the reader/writer device 2 (¶ 0028, Yoshiyoshi). The reader/writer device 2 is a short-range communication device that performs short-range wireless communication with the mobile phone 1, and is, for example, installed at a ticket gate of each station of the railway facility. The reader/writer device 2 performs processing for transmitting charging information for performing settlement processing to the mobile phone 1. Identification information for specifying the departure point and the arrival point is transmitted to the mobile phone 1 (¶ 0030, Yoshiyoshi). The wireless LAN base station 3 is a position information transmission station that periodically wirelessly transmits position information such as a name, a latitude, and a longitude. Here, it is assumed that processing for transmitting the position information of the current position to the mobile phone 1 via the wireless LAN is performed by being installed around each station of the railway facility (¶ 0031, Yoshiyoshi).
Therefore, it would have been obvious to one of ordinary skill in the art before the effective filing date to modify the electronic device and method of processing a payment at the electronic device that stores instructions or data relating to at least one another component of the electronic device of Oh and the information processing device of Nagai and the determining of the proximity criterion and approaching of the device of Karabinis with the transmitting of Yoshiyoshi because doing so allows the location of the mobile device to be known to the terminal and be detected when needed and recharged when approaching.
Regarding Claim 13. Oh teaches (in BOLD):
transmitting a request for authorization for a credit payment for a recharge amount for recharging the electronic value balance, to a predetermined server via a network, based on detecting an approach of the mobile terminal to the wireless communication device; and [According to an embodiment of the present disclosure, the processor may execute a payment application at a payment application execution request. The processor may prepare a multiple payment method operation of the NFC method and the MST method relating to payment application execution. Additionally, the processor may prepare a barcode method operation in correspondence to an input event or a specified event occurrence. The operation preparation, for example, may include a state for receiving NFC detection signals from the outside by activating the NFC chip 161. The operation preparation, for example, may include determining whether the operation is a state for transmitting an MST signal by operating the sensor unit 190 (¶ 77, Oh). Field Name Comment Payment Token The Payment Token number refers to a surrogate value for a PAN that is a 13 to 19-digit numeric value that passes basic validation rules of an account number, including the Luhn determination digit. Payment Tokens are generated within a BIN range or Card range that has been designated as a Token BIN Range and flagged accordingly in all appropriate BIN tables. Payment Tokens are generated such that they will not have the same value as or conflict with a real PAN. Transaction messages The Payment Token number will be passed through the authorization, capture, clearing, and exception messages in lieu of the PAN. The Payment Token number may optionally be passed from the Token Service Provider to the Card Issuer as part of the authorization request. Token Expiry Date The expiration date of the Payment Token that is generated by and maintained in the Token Vault. The Token Expiry Date field carries a 4-digit numeric value that is consistent with the ISO 8583 format. Transaction messages The Token Expiry Date is passed in lieu of PAN Expiry Date. The value is replaced by the Token Service Provider with the PAN Expiry Date which is passed to the Card Issuer as part of the authorization request. Last 4 Digits of PAN The last four digits of the PAN to be provided optionally through the Acquirer to the Merchant for customer service usage, such as being printed on the consumer receipt. PAN Product ID The PAN Product ID is an optional identifier used for determining the type of Card product that was tokenized. It may be included in cases where transparency of this information is necessary. Transaction messages - The PAN Product ID may optionally be passed from the Token Service Provider to the Acquirer as part of the authorization response. POS Entry Mode This specification uses the POS Entry Mode field to indicate the mode through which the Payment Token is presented for payment. Each Payment Network will define and publish any new POS Entry Mode values as part of its existing message specifications and customer notification procedures. Transaction messages POS Entry Mode is an existing field that will be passed through the authorization, capture, clearing, and exception messages. Token This value uniquely identifies the pairing of Token Requestor with the Token Domain (¶ 447, Oh)].
Oh does not teach, however Nagai teaches (in BOLD):
A non-transitory computer readable medium having stored thereon, an information processing program which, when executed by for causing a computer included in a mobile terminal causes the computer to perform a method of carried by a user and configured to be used for electronic money payment of electronic value stored in a predetermined storage, wherein the method comprises: [An electronic device and method of processing a payment at the electronic device are provided. The electronic device includes a secure memory configured to store payment information of a near field communication (NFC) method, payment information of a magnetic security transmit (MST) method, and fingerprint information or other user authentication information, a user authentication device integrally formed with the display, mounted at the housing, or connected wirelessly to the electronic device, and configured to obtain user authentication information from the user; and a processor configured to perform authentication based on stored user authentication information and obtained user authentication information and control a multiple payment operation of the NFC method and the MST method when fingerprint information obtained through fingerprint detection is valid. The processor is further configured to control a signal processing information according to the NFC method operation and a signal processing information according to the MST method operation to be outputted as one screen interface (Abstract, Oh).To achieve this object, according to the present invention, the invention according to claim 1 provides an information processing device that executes information processing with respect to a portable terminal that includes a function of increasing/decreasing a stored monetary value based on increase information or decrease information, comprising: correspondence storing means for storing intrinsic information that is used to allow a representative to make settlement and the portable terminal owned by a regular person in association with each other in regard to a group including the representative and the regular person; increase request accepting means for accepting an increase request for the monetary value of a predetermined money amount from the portable terminal; settlement means for making settlement of the predetermined money amount requested to increase on defrayment of the representative by using the associated intrinsic information; and increase information transmitting means for transmitting the increase information that is used to increase the monetary value of the predetermined money amount requested to increase to the portable terminal (Paragraph 0015, Nagai].
processing recharge permission of the electronic value balance with the recharge amount when credit approval is granted for the authorization. [An information processing device that executes information processing with respect to a portable terminal that includes a function of increasing/decreasing a stored monetary value based on increase information or decrease information, the information processing device comprising: correspondence storing means for storing intrinsic information that is used to enable a representative to make settlement and the portable terminal owned by a regular person in association with each other in regard to a group including the representative and the regular person; increase request accepting means for accepting an increase request for the monetary value of a predetermined money amount from the portable terminal; settlement means for making settlement of the predetermined money amount requested to increase on defrayment of the representative by using the associated intrinsic information; and increase information transmitting means for transmitting the increase information that is used to increase the monetary value of the predetermined money amount requested to increase to the portable terminal (Claim 16, Nagai)].
Oh and Nagai does not teach, however Karabinis teaches (in BOLD):
measuring a distance between the mobile terminal and a wireless communication device on the basis of a strength of a radio signal transmitted from the wireless communication device provided integrally with or separately from a device capable of performing electronic money payment or a device capable of recharging an electronic value balance with a recharge amount, and received by the mobile terminal; [[Example/Application No. 1: A motor vehicle, such as, for example, a car, may be configured with a low-power radiator that radiates a signal that includes an identity of the motor vehicle, a velocity of the motor vehicle, an acceleration of the motor vehicle, a position of the motor vehicle, a Time-of-Day (ToD), a Time-of-Month (ToM), a Time-of-Year (ToY) and/or an indication of a content of the motor vehicle. Now imagine a person who is associated with the motor vehicle (e.g., an owner/driver of the motor vehicle) is approaching the motor vehicle. Let us assume that the person who is approaching the motor vehicle and is associated with the motor vehicle carries a wireless communications device. The wireless communications device may be configured to sense the signal that is being radiated by the low-power radiator, detect the identity of the motor vehicle and compare the detected identity with one or more a priori identities that are stored in the wireless communications device. If a match is found, the communications device may be configured to selectively enable, responsive to the match, for example, a “pay toll” function. Accordingly, as the motor vehicle approaches an access point that is configured to radiate a signal associated with toll collection, the communications device, responsive to having detected the signal associated with toll collection, may be configured to transmit information that may be used by the access point and/or by an associated toll collection system that may be connected to the access point to debit an account that is associated with a user and/or owner of the communications device (¶ 0021, Karabinis)].
detecting that the mobile terminal is approaching the wireless communication device on the basis of the measured distance measured; [In one embodiment, the detection by mobile subscriber device 14 of a proximity criterion relative to Entity 1 can enable the mobile subscriber device 14 to authorize and complete a financial transaction such as the payment of a toll and/or of an item at a check out line. The same detection by mobile subscriber device 14 of the proximity criterion relative to Entity 1 can also or alternatively enable the mobile subscriber device 15 to authorize and complete a financial transaction such as the payment of a toll and/or a payment for an item at a check out line. The enablement of the mobile subscriber device 15 may also be contingent on the mobile subscriber device 15 having satisfied a proximity criterion relative to a second entity, such as Entity 2. Thus, the proximity criterion can include various requirements depending on the particular application. The requirements may include at least one of having the device 14 being within a predetermined distance of Entity 1, the device 14 receiving a predetermined signal strength from Entity 1, being at such predetermined distance for a predetermined time interval and receiving a predetermined signal strength during the predetermined time interval (¶ 0038, Karabinis). In further embodiments, detecting comprises: using position information associated with the first device; using position information associated with the second device; detecting a signal (and/or a signal strength measurement such as RSSI) that is being radiated by the first device; detecting a signal (and/or a signal strength) that is being radiated by the second device; and/or detecting a signal (and/or a signal strength) that is being radiated by a device that is associated with the entity, wherein using position information may, according to some embodiments, comprise: evaluating a distance between the position information and one or more position values; and determining whether the distance is less than or equal to a threshold. In some embodiments, the one or more position values is/are predetermined (¶ 0041, Karabinis)].
The combination of Oh, Nagai, and Karabinis does not teach, however Yoshiyoshi teaches (in BOLD):
measuring a distance between the mobile terminal and a wireless communication device on the basis of a strength of a radio signal transmitted from the wireless communication device provided integrally with or separately from a device capable of performing electronic money payment or a device capable of recharging an electronic value balance with a recharge amount, and received by the mobile terminal; [The mobile phone 1 is a portable information terminal that performs settlement processing by receiving charging information via short-range wireless communication, and can perform settlement processing of a boarding fee of a public transportation such as a railroad or a route bus by approaching the reader/writer device 2. When passing through the reader/writer device 2 at the departure point and the arrival point, the mobile phone 1 can acquire the identification information including the position information of the point from the reader/writer device 2 (¶ 0028, Yoshiyoshi). The reader/writer device 2 is a short-range communication device that performs short-range wireless communication with the mobile phone 1, and is, for example, installed at a ticket gate of each station of the railway facility. The reader/writer device 2 performs processing for transmitting charging information for performing settlement processing to the mobile phone 1. Identification information for specifying the departure point and the arrival point is transmitted to the mobile phone 1 (¶ 0030, Yoshiyoshi). The wireless LAN base station 3 is a position information transmission station that periodically wirelessly transmits position information such as a name, a latitude, and a longitude. Here, it is assumed that processing for transmitting the position information of the current position to the mobile phone 1 via the wireless LAN is performed by being installed around each station of the railway facility (¶ 0031, Yoshiyoshi).
Therefore, it would have been obvious to one of ordinary skill in the art before the effective filing date to modify the electronic device and method of processing a payment at the electronic device that stores instructions or data relating to at least one another component of the electronic device of Oh and the information processing device of Nagai and the determining of the proximity criterion and approaching of the device of Karabinis with the transmitting of Yoshiyoshi because doing so allows the location of the mobile device to be known to the terminal and be detected when needed and recharged when approaching.
Regarding Claim 14. Oh teaches (in BOLD):
A mobile device; comprising: a communication circuitry configured to communicate with a server via a network; [An electronic device and method of processing a payment at the electronic device are provided. The electronic device includes a secure memory configured to store payment information of a near field communication (NFC) method, payment information of a magnetic security transmit (MST) method, and fingerprint information or other user authentication information, a user authentication device integrally formed with the display, mounted at the housing, or connected wirelessly to the electronic device, and configured to obtain user authentication information from the user; and a processor configured to perform authentication based on stored user authentication information and obtained user authentication information and control a multiple payment operation of the NFC method and the MST method when fingerprint information obtained through fingerprint detection is valid. The processor is further configured to control a signal processing information according to the NFC method operation and a signal processing information according to the MST method operation to be outputted as one screen interface (Abstract, Oh)].
a wireless communication circuitry configured to communicate with a wireless communication device that is set outside; [In various embodiments of the present disclosure, an electronic device may include at least one of part of furniture or buildings/structures supporting call forwarding service, electronic boards, electronic signature receiving devices, projectors, and various instruments (for example, water, electricity, gas, or radio signal instruments). An electronic device according to various embodiments of the present disclosure may be one of the above-mentioned various devices or a combination thereof. Additionally, an electronic device according to an embodiment of the present disclosure may be a flexible electronic device. Additionally, an electronic device according to an embodiment of the present disclosure is not limited to the above-mentioned devices and may include a new kind of an electronic device according to the technology development (¶ 65, Oh). The communication interface 170, for example, may set communication between the electronic device 100 and an external device (for example, a specified server device). For example, the communication interface 170 may communicate with an external device in connection to a network through wireless communication or wired communication. The wireless communication may use long-term evolution (LTE), LTE-advanced (LTE-A), code division multiple access (CDMA), wideband CDMA (WCDMA), universal mobile telecommunications system (UMTS), wireless broadband (WiBro), or global system for mobile communications (GSM) as a cellular communication protocol, for example. The wired communication, for example, may include at least one of universal serial bus (USB), high-definition multimedia interface (HDMI), recommended standard 232 (RS-232), and plain old telephone service (POTS). The network may include at least one of telecommunications network, for example, at least one of computer network (for example, local area network (LAN) or wide area network (WAN)), Internet, and telephone network. The communication interface 170, for example, may receive payment completion information (or a message (for example, short messaging service (SMS), multimedia messaging service (MMS), and the like) including payment completion content) from a specified server device (¶ 93, Oh)].
at least one memory that stores configured to store data regarding an electronic value; and [The memory 130 may include volatile and/or nonvolatile memory. The memory 130, for example, may store instructions or data relating to at least one another component of the electronic device 100. According to an embodiment of the present disclosure, the memory 130 may store software and/or programs. The program may include a kernel, a middleware, an application programming interface, and an application. At least part of the kernel, the middleware, or the application interface may be called an operating system (OS) (¶ 78, Oh)].
Oh does not teach, however Nagai teaches (in BOLD):
transmit a request for authorization for a credit payment to the server via the network in response to detecting approaching of the mobile device to the wireless communication device; and [An information processing device that executes information processing with respect to a portable terminal that includes a function of increasing/decreasing a stored monetary value based on increase information or decrease information, the information processing device comprising: correspondence storing means for storing intrinsic information that is used to enable a representative to make settlement and the portable terminal owned by a regular person in association with each other in regard to a group including the representative and the regular person; increase request accepting means for accepting an increase request for the monetary value of a predetermined money amount from the portable terminal; settlement means for making settlement of the predetermined money amount requested to increase on defrayment of the representative by using the associated intrinsic information; and increase information transmitting means for transmitting the increase information that is used to increase the monetary value of the predetermined money amount requested to increase to the portable terminal.2. The mobile terminal according to claim 1, further comprising a determination code configured to cause at least one of said at least one processor to perform determine whether electronic value balance stored in the storage is equal to or smaller than a first threshold value or smaller than the first threshold value, wherein the authorization requesting code is configured to cause at least one of said at least one processor to transmit the authorization request only when the determination code causes at least one of the at least one processor to determine that the balance is equal to or smaller than the first threshold value or smaller than the first threshold value (Claim 16, Nagai)].
perform processing of recharging the electronic value by the credit payment in response to receiving a credit approval information for the authorization from the server. [An information processing device that executes information processing with respect to a portable terminal that includes a function of increasing/decreasing a stored monetary value based on increase information or decrease information, the information processing device comprising: correspondence storing means for storing intrinsic information that is used to enable a representative to make settlement and the portable terminal owned by a regular person in association with each other in regard to a group including the representative and the regular person; increase request accepting means for accepting an increase request for the monetary value of a predetermined money amount from the portable terminal; settlement means for making settlement of the predetermined money amount requested to increase on defrayment of the representative by using the associated intrinsic information; and increase information transmitting means for transmitting the increase information that is used to increase the monetary value of the predetermined money amount requested to increase to the portable terminal.2. The mobile terminal according to claim 1, further comprising a determination code configured to cause at least one of said at least one processor to perform determine whether electronic value balance stored in the storage is equal to or smaller than a first threshold value or smaller than the first threshold value, wherein the authorization requesting code is configured to cause at least one of said at least one processor to transmit the authorization request only when the determination code causes at least one of the at least one processor to determine that the balance is equal to or smaller than the first threshold value or smaller than the first threshold value (Claim 16, Nagai)].
It would have been obvious to one of ordinary skill in the art before the effective filing date to modify the mobile terminal of Oh with the processing of the electronic value in Nagai because do so allows the user to complete their payment transaction through the terminal with the electronic value ready for payment.
Oh and Nagai does not teach, however Karabinis teaches:
a control circuitry configured to: measure a distance between the mobile device and the wireless communication device based on a strength of a radio signal received from the wireless communication device; [Example/Application No. 3: A shopping cart, for example, of the type used in a grocery and/or super-market store, may be configured to sense/detect one or more items that are placed in the shopping cart. As used herein, the term “configured to sense/detect” may, in some embodiments, comprise sensing/detecting, for example, a weight, a manufacturer, an expiration date, a price and/or a nutritional value, etc. associated with the one or more items, wherein the sensing/detecting may be performed based upon any technology, such as, for example, a Radio Frequency (RF) tagging technology, a bar-code technology, an image recognition technology and/or any other technology (¶ 0033, Karabinis)].
detect that the mobile device is approaching the wireless communication device by comparing the distances measured a plurality of times at different timings; [Example/Application No. 1: A motor vehicle, such as, for example, a car, may be configured with a low-power radiator that radiates a signal that includes an identity of the motor vehicle, a velocity of the motor vehicle, an acceleration of the motor vehicle, a position of the motor vehicle, a Time-of-Day (ToD), a Time-of-Month (ToM), a Time-of-Year (ToY) and/or an indication of a content of the motor vehicle. Now imagine a person who is associated with the motor vehicle (e.g., an owner/driver of the motor vehicle) is approaching the motor vehicle. Let us assume that the person who is approaching the motor vehicle and is associated with the motor vehicle carries a wireless communications device. The wireless communications device may be configured to sense the signal that is being radiated by the low-power radiator, detect the identity of the motor vehicle and compare the detected identity with one or more a priori identities that are stored in the wireless communications device. If a match is found, the communications device may be configured to selectively enable, responsive to the match, for example, a “pay toll” function. Accordingly, as the motor vehicle approaches an access point that is configured to radiate a signal associated with toll collection, the communications device, responsive to having detected the signal associated with toll collection, may be configured to transmit information that may be used by the access point and/or by an associated toll collection system that may be connected to the access point to debit an account that is associated with a user and/or owner of the communications device (¶ 0021, Karabinis)].
It would have been obvious to one of ordinary skill in the art before the effective filing date to modify the electronic device and method of processing a payment at the electronic device that stores instructions or data relating to at least one another component of the electronic device of Oh with the information processing device of Nagai with the determining of the proximity criterion and approaching of the device of Karabinis because doing so allows the location of the mobile device to be known to the terminal and be detected when needed.
The combination of Oh, Nagai, and Karabinis does not teach, however Yoshiyoshi teaches (in BOLD):
perform processing of recharging the electronic value by the credit payment in response to receiving a credit approval information for the authorization from the server.
authorization requesting code configured to cause at least one of said at least one processor to transmit a request for authorization for a credit payment for a recharge amount for recharging the electronic value balance, to the predetermined server via the network, based on detecting an approach of the mobile terminal to the wireless communication device; and [The mobile phone 1 is a portable information terminal that performs settlement processing by receiving charging information via short-range wireless communication, and can perform settlement processing of a boarding fee of a public transportation such as a railroad or a route bus by approaching the reader/writer device 2. When passing through the reader/writer device 2 at the departure point and the arrival point, the mobile phone 1 can acquire the identification information including the position information of the point from the reader/writer device 2 (¶ 0028, Yoshiyoshi). The reader/writer device 2 is a short-range communication device that performs short-range wireless communication with the mobile phone 1, and is, for example, installed at a ticket gate of each station of the railway facility. The reader/writer device 2 performs processing for transmitting charging information for performing settlement processing to the mobile phone 1. Identification information for specifying the departure point and the arrival point is transmitted to the mobile phone 1 (¶ 0030, Yoshiyoshi). The wireless LAN base station 3 is a position information transmission station that periodically wirelessly transmits position information such as a name, a latitude, and a longitude. Here, it is assumed that processing for transmitting the position information of the current position to the mobile phone 1 via the wireless LAN is performed by being installed around each station of the railway facility (¶ 0031, Yoshiyoshi).
Therefore, it would have been obvious to one of ordinary skill in the art before the effective filing date to modify the electronic device and method of processing a payment at the electronic device that stores instructions or data relating to at least one another component of the electronic device of Oh and the information processing device of Nagai and the determining of the proximity criterion and approaching of the device of Karabinis with the transmitting of Yoshiyoshi because doing so allows the location of the mobile device to be known to the terminal and be detected when needed and recharged when approaching.
Regarding Claim 15. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 12 above. The combination further teaches:
The information processing method of claim 12, further comprising: determining whether the electronic value balance stored in the predetermined storage is equal to or smaller than a first threshold value, wherein the transmitting the request for authorization further comprises transmitting the request for authorization only when the electronic value balance is equal to or smaller than the first threshold value. [Example/Application No. 1: A motor vehicle, such as, for example, a car, may be configured with a low-power radiator that radiates a signal that includes an identity of the motor vehicle, a velocity of the motor vehicle, an acceleration of the motor vehicle, a position of the motor vehicle, a Time-of-Day (ToD), a Time-of-Month (ToM), a Time-of-Year (ToY) and/or an indication of a content of the motor vehicle. Now imagine a person who is associated with the motor vehicle (e.g., an owner/driver of the motor vehicle) is approaching the motor vehicle. Let us assume that the person who is approaching the motor vehicle and is associated with the motor vehicle carries a wireless communications device. The wireless communications device may be configured to sense the signal that is being radiated by the low-power radiator, detect the identity of the motor vehicle and compare the detected identity with one or more a priori identities that are stored in the wireless communications device. If a match is found, the communications device may be configured to selectively enable, responsive to the match, for example, a “pay toll” function. Accordingly, as the motor vehicle approaches an access point that is configured to radiate a signal associated with toll collection, the communications device, responsive to having detected the signal associated with toll collection, may be configured to transmit information that may be used by the access point and/or by an associated toll collection system that may be connected to the access point to debit an account that is associated with a user and/or owner of the communications device (¶ 0021, Karabinis)].
Regarding Claim 16. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 12 above. The combination further teaches:
The information processing method of claim 12, wherein the processing permitting recharging of the electronic value balance further comprises processing permitting recharging of the electronic value balance with the recharge amount only when credit approval is granted for the authorization and the measured distance is equal to or smaller than a second threshold value. [An information processing device that executes information processing with respect to a portable terminal that includes a function of increasing/decreasing a stored monetary value based on increase information or decrease information, the information processing device comprising: correspondence storing means for storing intrinsic information that is used to enable a representative to make settlement and the portable terminal owned by a regular person in association with each other in regard to a group including the representative and the regular person; increase request accepting means for accepting an increase request for the monetary value of a predetermined money amount from the portable terminal; settlement means for making settlement of the predetermined money amount requested to increase on defrayment of the representative by using the associated intrinsic information; and increase information transmitting means for transmitting the increase information that is used to increase the monetary value of the predetermined money amount requested to increase to the portable terminal.2. The mobile terminal according to claim 1, further comprising a determination code configured to cause at least one of said at least one processor to perform determine whether electronic value balance stored in the storage is equal to or smaller than a first threshold value or smaller than the first threshold value, wherein the authorization requesting code is configured to cause at least one of said at least one processor to transmit the authorization request only when the determination code causes at least one of the at least one processor to determine that the balance is equal to or smaller than the first threshold value or smaller than the first threshold value (Claim 16, Nagai)].
Regarding Claim 17. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 12 above. The combination further teaches:
The information processing method of claim 12, further comprising: acquiring a necessary time required for the authorization; and calculating an expected arrival time at which the user arrives at the device, on the basis of a moving speed and a latest distance, wherein the moving speed is calculated on the basis of a difference between distances and a difference in measurement time, the difference between distances being obtained by measuring distances a plurality of times at different timings, and wherein the detecting that the mobile terminal is approaching further comprises detecting that the mobile terminal is approaching the wireless communication device, at a point of time earlier by the necessary time before the expected arrival time. [According to various embodiments of the present disclosure, the signal transmission object 810 may be information for guiding an NFC signal transmission direction or an MST signal transmission direction. According to an embodiment of the present disclosure, the signal transmission object 810 may be set to indicate a direction that signals are transmitted through an NFC antenna or an MST coil. The signal transmission object 810 may be displayed while NFC signals are transmitted or MST signals are transmitted. In relation to the signal transmission object 810, the color of a signal transmission object corresponding to NFC signal transmission may be different from the color of a signal transmission object corresponding to MST signal transmission. Alternatively, the signal transmission object 810 may include a character indicating NFC displayed at a fixed position during NFC signal transmission or a character indicating NFC moving in a specified direction (for example, a direction that signals are transmitted). Similarly, the signal transmission object 810 may include a character indicating MST displayed at a fixed position during MST signal transmission or a character indicating MST moving in a specified direction (for example, a direction that signals are transmitted). According to various embodiments of the present disclosure, when the NFC method and the MST method operate alternatively, the electronic device 100 may intuitively represent what type of signals are transmitted currently through a change of the characters (¶ 192, Oh)].
Regarding Claim 18. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 12 above. The combination further teaches:
The information processing method of claim 12, further comprising: based on the electronic money payment of the electronic value not being performed within a predetermined time period after credit approval is granted for the authorization for the recharge amount, transmitting a request for cancellation of the credit approval to the predetermined server via the network. [The payment information, for example, may include token information. The token information may include validity determination related time information or count information. The token information including time information may lose the validity when corresponding time information elapses. The token information including count information may lose the validity when corresponding count information exceeds. The token information that lost the validity may not operate further and the electronic device 100 may require update when the token information loses the validity. Additionally, the electronic device 100 may require new token information replacement (¶ 91, Oh)].
Regarding Claim 19. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 12 above. The combination further teaches:
The information processing method of claim 12, further comprising: based on electronic money payment of the electronic value not being performed within a predetermined time period after the radio signal is not received by the mobile terminal after credit approval is granted for the authorization, transmitting the request for cancellation of the credit approval to the predetermined server via the network. The high-frequency circuit 22 converts a high frequency transmitted from the reader/writer to the antenna 26 into a digital signal to be output to the CPU 21, or it converts a digital signal output from the CPU 21 into a high frequency to be transmitted to the electronic money terminal 8 or the like from the antenna 26 (¶ 0125, Nagai)].
Regarding Claim 20. The combination of Oh, Nagai, Karabinis and Yoshiyoshi teaches all of the claim limitations of Claim 12 above. The combination further teaches:
The information processing method of claim 12, further comprising: acquiring payment amount information indicating a payment amount necessary for payment through the device capable of performing electronic money payment; and determining the recharge amount on the basis of a payment amount indicated by the payment amount information and the electronic value balance, wherein the transmitting a request for authorization further comprises transmitting a request for authorization for a credit payment of the determined recharge amount. [In various embodiments of the present disclosure, an electronic device may include at least one of part of furniture or buildings/structures supporting call forwarding service, electronic boards, electronic signature receiving devices, projectors, and various instruments (for example, water, electricity, gas, or radio signal instruments). An electronic device according to various embodiments of the present disclosure may be one of the above-mentioned various devices or a combination thereof. Additionally, an electronic device according to an embodiment of the present disclosure may be a flexible electronic device. Additionally, an electronic device according to an embodiment of the present disclosure is not limited to the above-mentioned devices and may include a new kind of an electronic device according to the technology development (¶ 65, Oh). The communication interface 170, for example, may set communication between the electronic device 100 and an external device (for example, a specified server device). For example, the communication interface 170 may communicate with an external device in connection to a network through wireless communication or wired communication. The wireless communication may use long-term evolution (LTE), LTE-advanced (LTE-A), code division multiple access (CDMA), wideband CDMA (WCDMA), universal mobile telecommunications system (UMTS), wireless broadband (WiBro), or global system for mobile communications (GSM) as a cellular communication protocol, for example. The wired communication, for example, may include at least one of universal serial bus (USB), high definition multimedia interface (HDMI), recommended standard 232 (RS-232), and plain old telephone service (POTS). The network may include at least one of telecommunications network, for example, at least one of computer network (for example, local area network (LAN) or wide area network (WAN)), Internet, and telephone network. The communication interface 170, for example, may receive payment completion information (or a message (for example, short messaging service (SMS), multimedia messaging service (MMS), and the like) including payment completion content) from a specified server device (¶ 93, Oh)].
Conclusion
The prior art made of record and not relied upon is considered pertinent to applicant’s disclosure.
Masunari (JP 2015111351 A)- To enable simple fee payment processing in a range designated only by a mobile terminal. SOLUTION: Provided is an electronic settlement payment system for performing electronic settlement by access of each mobile terminal 10 to an electronic money paying machine 70 connected to an electronic money management server 30. Each mobile terminal 10 includes an electronic money storage unit storing an amount of electronic money charged by the electronic money management server; an electronic money input/output control unit adding a predetermined amount to the amount of the electronic money stored in the electronic money storage unit upon receiving a charge response; an electronic settlement unit performing electronic settlement by subtracting a charged amount from the amount of the electronic money stored in the electronic money storage unit based on the claim information by access of the mobile terminal 10 to the electronic money paying machine 70; and an electronic settlement instruction unit prohibiting a charge response of the other designated mobile terminal 10, and allowing electronic settlement of the other designated mobile terminal 10 as electronic settlement by subtracting an amount from the amount of the electronic money stored in the electronic money storage unit.
Applicant's amendment necessitated the new ground(s) of rejection presented in this Office action. Accordingly, THIS ACTION IS MADE FINAL. See MPEP § 706.07(a). Applicant is reminded of the extension of time policy as set forth in 37 CFR 1.136(a).
A shortened statutory period for reply to this final action is set to expire THREE MONTHS from the mailing date of this action. In the event a first reply is filed within TWO MONTHS of the mailing date of this final action and the advisory action is not mailed until after the end of the THREE-MONTH shortened statutory period, then the shortened statutory period will expire on the date the advisory action is mailed, and any nonprovisional extension fee (37 CFR 1.17(a)) pursuant to 37 CFR 1.136(a) will be calculated from the mailing date of the advisory action. In no event, however, will the statutory period for reply expire later than SIX MONTHS from the mailing date of this final action.
Any inquiry concerning this communication or earlier communications from the examiner should be directed to CHRISTINA C STEVENSON whose telephone number is (571)270-7280. The examiner can normally be reached M-F 8am-5pm.
Examiner interviews are available via telephone, in-person, and video conferencing using a USPTO supplied web-based collaboration tool. To schedule an interview, applicant is encouraged to use the USPTO Automated Interview Request (AIR) at http://www.uspto.gov/interviewpractice.
If attempts to reach the examiner by telephone are unsuccessful, the examiner’s supervisor, Patrick McAtee can be reached on (571) 272-7575. The fax phone number for the organization where this application or proceeding is assigned is 571-273-8300.
Information regarding the status of published or unpublished applications may be obtained from Patent Center. Unpublished application information in Patent Center is available to registered users. To file and manage patent submissions in Patent Center, visit: https://patentcenter.uspto.gov. Visit https://www.uspto.gov/patents/apply/patent-center for more information about Patent Center and https://www.uspto.gov/patents/docx for information about filing in DOCX format. For additional questions, contact the Electronic Business Center (EBC) at 866-217-9197 (toll-free). If you would like assistance from a USPTO Customer Service Representative, call 800-786-9199 (IN USA OR CANADA) or 571-272-1000.
/C.C.S./Examiner, Art Unit 3698
/PATRICK MCATEE/Supervisory Patent Examiner, Art Unit 3698
Prosecution Insights