• 专利附录
  • 专利说明
  • 权利要求
  • 类似技术
  • 同族专利
  • 引用文献
  • 法律状态
  • 优先权
    • 专利摘要:
    The invention relates to an authentication method intended for a telecommunications network, especially for an IP network. From a terminal (TE1) in the network a first message (RR) containing an authenticator and a data unit is transmitted to the network, the data unit containing information relating to the manner in which the authenticator is formed. For carrying out authentication in the network, the data unit contained in the first message is used for determining a check value, which is compared with the said authenticator. To make it unnecessary for the terminal to perform any complicated and heavy exchange of messages when attaching to the network and for still obtaining the desired security characteristics for use, such an identification unit is used in the terminal which receives as input a challenge from which a response and a key can be determined essentially in the same manner as in the subscriber identity module of a known mobile communications system, a set of authentication blocks is generated into the network, of which each contains a challenge, a response, and a key, whereby the generation is performed in the same manner as in the said mobile communication system, at least some of the challenges contained by the authentication blocks are transmitted to the terminal, one of the challenges is chosen for use at the terminal, and, based on it, a response and key for use are determined with the aid of the terminal's identification unit, in the said first message (RR) the network is notified with the aid of the said data unit of which key corresponding to which challenge was chosen, and the authenticator of the first message and the said check value are determined with the aid of the chosen key.
    公开号:US20010005840A1
    申请号:US09/751,138
    申请日:2000-12-29
    公开日:2001-06-28
    发明作者:Markku Verkama
    申请人:Nokia Networks Oy；
    IPC主号:H04L63-0428
    专利说明:
    [0001] 1. Field of the Invention [0001]
    [0002] This invention relates to systems for purchase and bill payment transactions and transferring of electronic cash and also terminal-to-terminal wireless transmission of the required data without using modem. [0002]
    [0003] 2. Description of the Related Art [0003]
    [0004] The WO96/04618 publication has disclosed a terminal which can perform purchase payment and bill transactions via a modem coupled to or integrated into the terminal. The whole system provided in above publication is a modem-based system where the user's credit card information and the terminal's serial number are sent to a host computer for validating which after authorization by card issuing authority and a host computer the user is given the right for remote purchases. In its portable form the terminal also uses modem which is coupled through the telephone circuit to a transmitter/receiver. The portable terminal is not a wireless/cellular terminal so it does not exploit the wireless messaging for direct communication but the terminal is by means of a modem and circuit-switched call connected to a host computer and the payment procedure is performed during the established call. Moreover, in the above system transaction requests are connected to the remote host system through telephone line and the system is based only on circuit-switched communications whereby the credit card validation is performed during an established continues call. Furthermore the above-like systems does not utilize electronic cash for purchase or bill transactions. [0004]
    [0005] The GB2276258 publication disclose a system for utilizing credit information to verify and accept payment for an order on site at the door of a home contemporaneously by means of credit card. The above system is also a modem-based system and is based on circuit-switched communications neither messaging means of wireless communication for purchase and payment transactions. Neither the above system uses electronic money for payment transactions. In all already known methods the user establishes a circuit-switched call for performing transaction during the established call. [0005]
    [0006] In the above-like systems the communication speed is low because of using modems or data cards which also makes the terminals more expensive. The communication is also expensive for the user because of the circuit-switched calls and the user, in some cases, is also required to purchase a separate terminal for his purchases or bill payment transactions. Furthermore the user's credit information (credit card number) communication over the open networks is not secured. In all existing systems it is the customer whose credit card number is taken by the service provider for charging the customer whereas in a secure payment system the customer is not required to give any credit information to the third parties. There continues to exist a need to further improve the efficiencies of the payment systems. [0006] SUMMARY OF THE INVENTION
    [0007] It is an object of this invention to provide a secure payment system wherein the payer takes the account/contact number of the payee in order to pay to the payee's terminal or account. It is another object of this invention to provide a wireless/cellular terminal which can perform purchase payment and bill payment transactions and be used as the use's electronic wallet. It is another object of this invention to provide a wireless/cellular terminal to allow users the ability to conveniently and remotely in a connectionless way perform these financial transactions and send and receive electronic money on terminal-to-terminal basis (as wallet-to-wallet) without using the network for transferring the required cash. It is another object of this invention to provide a wireless/cellular digital terminal to allow smart card holders to also remotely perform these financial transactions and also terminal-to-terminal transferring of electronic money. In this invention in order to prevent forgery the payee's account number, whereto the founds can be transferred, is delivered to the payer and not the payer's account number to the payee, which could easily be used by unauthorized users. [0007]
    [0008] It is another object of this invention to provide a service as an expansion of value-added data services of currently existing mobile communications systems. It is another object of this invention to utilize the wireless or cellular terminals such as mobile phones, pagers etc. to be used as the inventive terminal (Mobile Wallet-Phone) thus creating a high value added service for mobile communication and providing the users one terminal which can be used as mobile telephone or pager when needed and as user's electronic wallet when required. Another object of this invention is to provide for wireless or cellular connectionless messaging with a remote host computer without establishing a circuit switched call. [0008]
    [0009] It is yet another object of this invention to provide a connectionless method for terminal-to-terminal transmission of electronic money and payee's details such as contact code or number, account code or number, and bill without contacting the payee. It is another object of this invention to provide a connectionless method for broadcasting the payee's/service provider's details such as account number, contact codes, and the payable bill to the user's terminals continuously or whenever required. It is yet another object of this invention to provide a method to send a bill format to the user's terminals in a connectionless way and whenever user requests it, to be filled and sent back to the required host computer or another terminal. It is yet another object of this invention to provide a terminal which is able to communicate with another terminal directly and without using the network for transmission of the required data. It is another object of this invention to provide a terminal which is able to configure an adjustable radio coverage area (e.g. between one millimeter to five meter) for terminal-to-terminal wireless and modemless data transmission. [0009]
    [0010] According to one embodiment of this invention, a wireless terminal, such as SIM-operated (SIM: Subscriber Identification Module) portable terminals such as mobile phones or pagers, portable wireless personal computers can perform terminal-to-terminal remote purchase payment transactions, transferring of electronic money and user's details such as account number, contact code, address etc. in a connectionless way without requiring that the payee/payer contact each other or establish a circuit-switched call. The terminal includes means for receiving/transmitting of required information in a terminal-to-terminal wireless data communication without using the network for transmission the information. The terminal can produce a small and adjustable radio coverage area wherein the terminal-to-terminal sending of the user details and transferring of electronic money and other information can be done using wireless messaging and in a transparent way to other terminals/users. In another embodiment of the invention the wireless/cellular terminal or service provider's terminal (such as cash register, computer etc.) or base station broadcasts the payee's/service provider's account and bill information to all or to the required users' terminal which are under the radio coverage of the payee's/service provider's terminal/base station. Then the payer's terminal monitors the transmitted/broadcasted information which after the user activates the payee's details and sends the bill and the payee's details and when needed the required electronic money (telecash) to the payee's terminal or account at the host computer. In another embodiment of this invention the user, by sending a message, can request the host computer or the payee's terminal to send the bill or bill format to the payer's terminal, in a connectionless way (using for example internet or short massaging means of mobile networks). Then user accepts the bill or fills in the bill format (a bill inquiry) the required information (together with the required amount of telecash, when needed) and sends it back to the host computer or the payee's terminal for receiving/accepting or performing the bill. [0010]
    [0011] In this invention the user's details such as account number, contact codes, numbers are sent or broadcasted to other terminal, directly or via base stations, or via network, in order to be used by payers for remote purchase transactions, bill payment, transferring of telecash and other required data from terminal-to-terminal or between the terminals and host computer. [0011]
    [0012] Other objects and many of the attendant features of this invention will be more readily appreciated as the same becomes better understood by reference to the following detailed descriptions and considered in connection with the accompanying drawings in which like reference symbols designate like parts throughout the figures. [0012] BRIEF DESCRIPTION OF THE DRAWINGS
    [0013] FIG. 1 illustrates a general overview of the system including cellular/wireless and internet network, host computers and Mobile Wallet-Phones utilized in the invention. [0013]
    [0014] FIG. 2 is a flow chart presenting the user authentication, sending the payee's details, bills, bill inquiry, performing the transactions, sending the required amount of telecash to the payee's terminal/account in accordance to the present invention. [0014]
    [0015] FIG. 3 is a terminal-to-terminal or base station-to-terminal or host computer to-terminal messaging of the payee's details, purchase and bill payment transaction messaging, and transferring of electronic money in a service provider environment in accordance with the present invention. [0015]
    [0016] FIG. 4 is a flow chart between the payer's terminal, host computer and the payee's terminal. [0016]
    [0017] FIG. 5 presents four examples wherein payee's/payer's terminal exchange contact codes, account information, required amount of electronic money, perform bill payment and transactions in a connectionless, modemless, wireless and terminal-to-terminal way, or terminal-to-base station-to-terminal way, or terminal-to-terminal-to-host computer. [0017]
    [0018] FIG. 6 is a top view of the terminal in accordance with one embodiment of the present invention. [0018]
    [0019] FIG. 7 presents an example of a connectionless method for parking payments, in accordance with the present invention. [0019]
    [0020] FIG. 8 presents an example of a connectionless method for parking reservation, in accordance with the present invention. [0020]
    [0021] FIG. 9 presents two Mobile Wallet-Phones which can send and receive information, account numbers, contact codes, required amount of telecash (i.e. electronic money) and exchange other required data directly with each other under their own adjustable radio coverage without using the network, in accordance with one embodiment of the present invention. [0021] DETAILED DESCRIPTION
    [0022] Referring now to the drawings, and more particularly, to FIG. 1, there is shown a block diagram of the overall system including cellular/wireless and internet networks ([0022] 3), host computers (4) and user's wireless/cellular terminals “Mobile Wallet-Phones” (1, 2) or fixed terminals/base stations (2) in accordance with the invention. The terminal (1, 2) is able to send and receive the required account numbers, contact codes, telecash, bills and bill format and the products' details (such name and price) in a connectionless way either without using the network (3) or via the network. The base stations of the network (3) or service providers (2) are also arranged so that they send the required information for purchase and bill payment transactions, such as the payee's account number or codes, and bill format to the users terminal (1) continuously or whenever required. For example when the user terminal is under the coverage of base station (2) the network/base station broadcasts/sends the payee's/service provider's name and account number to the payer's terminal. Then the payer's Mobile Wallet-Phone (hereinafter MWP) monitors the payee's account number, contact code etc. (hereinafter payee's detail), then the user selects/activates the required payee's details which may be allocated for a specific service such as parking and send the bill and (or required telecash to the payee's terminal (2) or account (4) directly or via base station or via network. The payee's and payer's MWPs and fixed/portable terminals (1, 2) can exchange information, send and receive required amount of telecash directly to each other without the involvement of the network or host computer (4). The host computer (4) includes, as much as required, the users' details, data, accounts, the service provider's details etc. When the user purchases something for example in a shop by means of his/her MWP, the seller's terminal can send the bill and payment to the host computer (4) where users have accounts. The host computer (4) takes the required bonuses into account so that the user does not require to have a different bonus card in order to give to the seller for storing the (gained) bonus in the customer's account but the required bonus can be stored in his account while shopping is done by his MWP without requiring a separate bonus card. The network (3) can be a terrestrial or satellite network. The mobile wallet-phones (1, 2) are wireless/cellular, either terrestrial or satellite or both, single mode/band, dual mode/band or multimode/multiband terminals/phones or pagers, transmitter/receivers which can also whenever required configure their own radio coverage area under which they can send and receive the required information and telecash to/from each other without using the network. Alternatively by means of terminals (1, 2) the user can request the network/host computer or other terminal to send a bill format which includes at least one question which can be answered (filled in) by user and sent back to the required host computer or other terminals. The host computer also takes into account the currency by which a bill or purchase has been performed so that when the host computer (4) receives the bills and payments from a payer's terminal, it checks the received information, the currency unit of the telecash or checks the payer's/payee's accounts in order to define by which currency the amount should be paid to the payee's account. The exchange of the money is done in a real time and then both the payee's/payer's terminals are acknowledged by a short message. In FIG. 1, there is also shown that the user's terminal (1) is able to monitor (receive) the product's (8) details (such as name, price and other required information needed to perform the bill payment) from a tag/card or label (5) which is labeled or by other means connected/printed on the product package (for example a can of mushrooms). The tag or card (5) can be a microprocessor loaded with the required details and which is also able to radiate/transmit the required details over a very small area (for example 1 millimeter). The tag or card (5) can be also made from an environment-friendly radiating material and loaded with the required product's details (i.e. the information which is broadcasted/radiated with a very small radio coverage). When the tag/card (5) is (for example) touched by the antenna (7) of user's terminal (1) the terminal receives and monitors the product's details. The user can pay for the selected product (5) by sending the product's details (and when needed, the required amount of telecash to the cash register, shop keeper's terminal (2) or host computer (4) or to the host computer of the bank wherein at least the customer (payer) has an account which can be debited/charged for the purchase performed. Alternatively the user's terminal (1) can be integrated with an electronic and digital (image) camera by which the bar codes (5) of a product (8) can be read (transferred into the terminal as an image or black and white code) in order to select the product user wants to buy and pay for, without requiring to use any infrared reading devices. This application of the present invention can be seen as the best killer application for terminals having digital image processing means. Although several inventions has been made to provide mobile phones with digital camera's features or providing video telephony in mobile phones but because of the lack of good applications such products cannot have a widespread market in the near future. For example the willingness of people to participate in video telephony has been seen as a barrier for mass production of video telephony products. But shopping by means of a mobile phone integrated with an appropriate camera can be seen as a killer application for mobile phones having digital image or mobile video telephony features. For example in FIG. 1 the payer's terminal (1) can be integrated with a micro or nano digital camera in order to read the product's (8) bar codes (5) (or any other information including the product's details and price) and transfer them to the terminal (1) wherein the product details can be monitored on the screen of the user's terminal, and the terminal further arranges the product details in a shopping list on the screen. Then the user can send the bill and payment to the payee, as mentioned above, or cancel the list or an item from it, if he does not want to buy the selected product.
    [0023] FIG. 2 presents a flow chart, where is shown that the MWP's user is authenticated by means of an additional code called P-PIN (Personal-Payment Identification Number) if a PIN is already used for telephone services. The user can use the same number for both PIN and P-PIN in order to remember it better. In one embodiment of this invention, first the MWP operates as the user's telephone i.e. the user has entered his/her PIN-code to the terminal for access to the network ([0023] 3) for telephone services so that the MWP is in the telephone mode. According to the invention in order to provide a secure payment device and method the user is prompt to enter in addition to the PIN code another code, P-PIN, for using his mobile phone as a payment device, when required. After entering the P-PIN the mobile phone becomes a mobile wallet-phone so that it can be used both as a mobile phone and as the user wallet, thus Mobile Wallet-Phone. After that the P-PIN has been entered or spoken by user to his terminal (1, 2) an authentication procedure takes place either in the terminal (1, 2) and user's smart card (e.g. SIM) or between the terminal i.e. smart card (SIM) and network/host computer. The user can also be registered and authenticated in network's AuC (Authentication Center) HLR (Home Location Register) or other future intelligent component of the network or in the host computer. When the user is authenticated either in MWP (1) or network/host computer (3, 4), the user can perform teleshopping, bill payment and purchase transactions and exchange money with other terminals (1, 2) or host computer (4). In order to receive the payee's details (i.e. account number, contact number etc.) the user can activate a function such as “payments” or “service provider” in his terminal (1, 2) either before authentication or after or without authentication. Then the terminal (1, 2) monitors the payee's terminal's/base station's broadcasting/transmitting details or the payer by sending a message requests the payee's terminal (2) or host computer (4) to send the required information such as payee's details, bill format etc. needed to perform the purchase or bill payment. Then the payer can enter the required information, if necessary, such as transaction's amount and send the bill (either including the required telecash or without it) to the payee's account which can be in the payee's terminal/MWP (2) or in the host computer. If the bill/payment is sent to the host computer (4), the host computer either transfer the received telecash to the payee's account or debits the payee's account for the amount which should be paid to the payee's account. Then the payee's/payer's terminals are acknowledged about the completion of the payment by sending a message to both terminals. The user's account or contact numbers/codes can be a telephone number or a contact code allocated for user in order to receive and send bills and payments. The user's account or contact numbers/codes can be same a his telephone number or internet address used for sending and receiving bills and payment messages according to this invention. Alternatively, a different code or number can be used for this purpose. User can have a different user data in SIM for registration and authentication into his terminal or host computer or network's components (e.g. HLR, AuC) for the inventive payment service, or the same user data used for telephone services can be used for user registration or authentication, if required.
    [0024] When the user does not want to perform purchase transactions, bill payments, exchange or transfer telecash, the terminal ([0024] 1) can he used only as a telephone i.e. the MWP operates only as a mobile phone for example by activating a required function (for example “log-out” from the wallet-mode or “close the wallet” or by activating an icon presenting a wallet shown on the corner of the terminal's display). Therefore, if the terminal is stolen, its' owner should not be worried about his money or account since only the authorized user has the required P-PIN code in order to use his mobile phone as Mobile Wallet-Phone.
    [0025] FIG. 3 shows one embodiment of the present invention in a service provider's environment. The service provider's base stations or terminals ([0025] 2) or host computer (4) broadcast or send whenever required the payee's/service provider's details, bill format, bill, the sum which should be paid by payer and other required information for performing the payment. Alternatively the above-mentioned information can be requested through the payer's terminal (1) by sending a message to the payee's terminal directly or through the network/base stations or they can be requested from the host computer. The payee's details can include payee's account number, contact code (such as .PizzaHut.com), the service provider's cash register's number (i.e. contact code, account number etc.). The required information is then monitored (6) by the payer's MWP (1). Then the payer activates the payee's details upon which MWP sends the required payment/bill to the payee's account kept in payee's terminal (2) (SIM card) or in the host computer (4).
    [0026] FIG. 4 presents another example of the payment method according to the present invention. The payer's MWP ([0026] 1) monitors the payee's/service provider's details transmitted/broadcast over the air interface in a connectionless way (payer does not need to contact the payee). After that the payer has activated the required command for example “service provider” (or a number or button) his MWP monitors the available service providers' details. Monitoring of the service provider's details depends on the radio coverage of the service providers' base stations/terminals and payer's MWP's radio coverage area. For example service provider's terminal/base station (2) can broadcast/send the required information in a 1 to 5 meter (or more or less) configured radio coverage area (which can be adjustable). When the payer's MWP is under such coverage, it can receive the service provider's/payee's details. The required coverage can be adjusted for example from 1 millimeter to few meters or more (depending on the application). In this way only the payer and payee can exchange information, payments without using the network. Furthermore a signaling protocol can take place between the terminals for precise terminal to terminal communication. According to this embodiment of the present invention the exchange of information and payments takes place terminal-to-terminal which is the most secure option. However, when the payment (telecash) is transmitted from the payer's terminal (1) to the payee's terminal (2), the payee can send the payment to the host computer to the payee's account.
    [0027] On the other hand when payer's terminal ([0027] 1) monitors the payee's details and the payable bill and payer activates the payee's details (6), the bill (either together with the required amount of telecash or without it) can be sent via network to the host computer (4) where the payer, payee have accounts. Then the payer account is debited for the amount of the bill and then payer's and payee's terminals are acknowledged about the completion of the transaction or the lack of money (credit) in the payer's account. In this way payee's and payer's terminal first exchange information in order to know to which account the payment should be transferred. Then after receiving the payee's details by the payer's MWP (1) the network can be used to send the bill and/or required amount of telecash to the host computer (4), when required.
    [0028] FIG. 5 presents four examples for payments in the service providers' environment. In example 1 the payee's terminal ([0028] 2) broadcasts/sends the payee's details, bill (and purchase details if required) through the base stations (either payee's base station 2 or for example a GSM operator's base station 3) to the payer's MWP (1). The base stations can include the required controlling systems or they can be linked to the base stations' subsystem for controlling the base stations. Then payer activates the payee's details (account number) which also includes contact codes of the required host computer (e.g. www//OKObank.PizzaHut.fi or for example 3589435634528349). Then the bill and other required information is send to the host computer (4) where the required amount is transferred to the payee's account.
    [0029] In example 2 of FIG. 5 the payee's details, payable bill and other required data are directly broadcast/sent from the payee's terminal ([0029] 2) to the payer's MWP (1). Both terminals (1, 2) are under each other's radio coverage so that the information broadcasted/sent by payee's terminal is received by payer's MWP (1) without using the network (3). After this, the payer activates the payee's details, as explained above, and sends the bill to the host computer. In example 3 of FIG. 5 the service provider's details, for example, the gas station's or a bus company's account number, codes or other required information such as the price of petrol per litter or the price of ticket are broadcasted/sent to the payer's terminals (1). For example when payer wants to pay for petrol, he activates the service provider's details received by his terminal (1) and sends it to the host computer (4), then the host computer checks the payer's account and sends a message to the petrol station's terminal (2) indicating that the payer has the right (sufficient credit) to buy the petrol. After that payer has finished tanking his car, the terminal (2) sends the bill to the host computer (4) for debiting the payer's account for the amount of the petrol he has bought. Then the host computer (4) sends an acknowledgment message to both terminals (1, 2) indicating that the payment has been completed. On the other hand if the payer pays by telecash (electronic money), he can by activating the service provider's details (account number) send the amount (for example 10 dollars) to the petrol station's terminal (2) or host computer (4) which after the payer have the right to tank his car against 10 dollars paid. The payment can be paid in different ways but according to this invention user's MWP (1) receives the payee's details (account number, contact codes) directly from the payee's terminal (2) or via the base stations/network, and then activates the payee's details, upon which, the required telecash, bill is sent to the payee's terminal (2) or his account in the host computer (4). All automatic selling machines, gas stations (and other retail registers etc.) can be integrated with a wireless/cellular transmitter and receiver to provide a wireless/cellular payment service, in accordance with this invention, so that users can pay for their purchases and required services by using the inventive Mobile Wallet-Phone in a user friendly way without any need to establish a call or to use conventional money or different credit or debit cards. For instance the example 4 of FIG. 5 shows the automatic coffee machines (coffee maker and other automatic seller machines which are equipped with the inventive terminal (transmitter-receiver 2) to send the service provider's (the coffee seller machine) details and the coffee's price, for example continuously or whenever the customer appears in front of the machine or activates a button on the machine. Then the customer (payer) activates the received payee's (the coffee seller's) details in his MWP and sends the bill (accepted price) or the required telecash to the coffee machine's terminal (2) or to the host computer (4) to be transferred to the payee's account. Then after that the payment has been completed, the coffee machine offers a cup of coffee to the payer. Any other service can be paid in a same way as above-mentioned examples or other alike procedures by using inventive method and terminals (1, 2), and when required, base stations (2, 3), host computer (4) and the network (3).
    [0030] FIG. 6 shows a top view of the user's Mobile Wallet-Phone (MWP) in accordance with one embodiment of this invention. In one embodiment of this invention user activates the command “payments” which after the MWP prompts the user to enter the P-PIN code “Enter P-PIN”. After that, the user's device (for example mobile telephone, pager etc.) becomes a MWP by which the user can perform purchase and bill payments and send/receive telecash. In another embodiment of this invention when the user activates a command for example “service provider” the MWP listens to the radio interface (available base stations/other terminals) or requests the network/host computer ([0030] 3, 4) to send the service providers details (account number, codes etc.) and when needed the bill or bill format which after the MWP (1) monitors the details on its screen (6) for the user. The service provider also sends (whenever required) the bill which should be paid by the payer. The payer can then activate the service providers details and send a message, bill or the required amount of telecash to the host computer or the payee's terminal.
    [0031] The user P-PIN code can be changed using the same method which is used in mobile phones to change the PIN code. According to the invention the user's terminal/smart card (SIM) includes the required software (or the required software can be down-loaded to the terminal whenever needed) for the process of P-PIN entering and authentication. [0031]
    [0032] The user's MWP ([0032] 1) can be made in different shapes and sizes. For example, the user's watch can be integrated with a wireless message receiver (pager) and transmitter which can be used for performing user's payments by using the inventive method. For example at a cash register when the customer wants to pay for his shopping, the bill (the sum to be paid) can be received by the customer's watch. Then the customer can by activating the payee's details (contact and/or account codes and number) send the bill (with the required amount of telecash, if required) to the shop's cash register (terminal 2) or host computer.
    [0033] The payment method presented in this invention can be based on an open platform and can be used in different terminals (mobile phone, pagers etc.) and implemented in different scales. Furthermore, for example all products in shops can be labeled with a tag/card which transmits/radiates the product's details such as name and price, and the service provider's (for example the shop keeper's) account number continuously so that when the user's MWP's antenna is quite near to the mentioned card/label or when the tag/card is touched by said antenna then the user's MWP receives the required information, as mentioned already. In this way the user can collect all his needed goods and their information in his MWP, and then send the payment/bill to the host computer ([0033] 4) or payee's terminal (2). Therefore, there will be no need for the existing cash registers. The cashiers' work can be directed to advice the customers (for finding the needed products etc.) thus providing a better quality service rather than sitting behind the cash register desks and doing a boring job.
    [0034] In accordance to one embodiment of this invention the transmitting/broadcasting of the payee's/service provider's details can be a location-based action. For example when the payee's and payer's terminals are in the range of each other's radio coverage, they can monitor each other's details (the user's account number, codes etc.). On the other hand the location of the payer can be located when the payer's terminal is under the radio coverage of the payee's terminal/base station, for example, when the payer is under the coverage of the base station of a petrol station, the required signaling can take place between the user MWP and the petrol station's base station system so that the base station system notices that a user is coming to get the service. Then the base station can send/broadcast the required information to the user's terminal. The location defining can be also taken place without any signaling between the terminal and base stations. The location positioning can be a cell-based or an exact location positioning option. When the user's MWP is under the service provider's terminal/base stations radio coverage, the user's MWP can monitor the service provider's terminal's/base station's transmitting/broadcasting information, including the payee's details (account or contact codes and number, charging details etc.). For example FIGS. 7 and 8 presents a flow chart of a parking system where the parking service provider's base station transmits/broadcasts charging information, parking zone details and other required information based on the city's different zones/areas. The user can then activates the service provider's details under a command “parking” which is monitored by his mobile terminal (or is stored in his mobile terminal or its SIM card) and if required enters the parking zone number (if the zone number is not sent by the base stations or the host computer) into his terminal and sends the message to the host computer for getting the right to use the parking space. The charging can be an account-based or telecash-based option so that when the user collects his car from the parking space a message (including also the required amount of telecash, if needed) which can be any message is sent by his mobile terminal to the parking data base where the user's account is debited or the received telecash is transferred to the service provider's account. The parking time can be counted in the user's terminal (for example after receiving an arrival acknowledgment message from the host computer) or in the host computer, depending on either the user pays for his parking by telecash or his account must be debited. [0034]
    [0035] FIG. 9 presents two Mobile Wallet-Phones which are able to configure an adjustable radio coverage within which, they can send and receive their users' details (account number, codes etc.) and the required telecash. The MWP's radio coverage for this purpose can be adjusted within a range of, for example, few millimeters to few meters or more. When for example the payer's MWP ([0035] 1) is in the payment mode (which means the terminal is operating as electronic wallet and is able to send and receive the required account number and telecash) the user can send the required amount of telecash to the payee's MWP (2) or to the payee's account in the host computer. For example, when the payer's MWP (1) receive the payee's details, he can enter a number equal to the required amount of telecash (for example 10 dollars) he wants to pay to the payee then by activating the payee's details the terminal (1) sends the required amount of telecash to the payee's MWP (2) or to the host computer. The payee can send also the bill, required to be paid by the payer, to the payer's MWP (1). In that case the payer does not need to enter anything in his MWP but just accept the bill and send it to the payee's terminal or the host computer.
    [0036] In accordance to another embodiment of this invention the payer sends a message (any message, for example an empty short message, including a letter for example) to the payee's terminal (whenever the payer activates the contact number/codes or account number of the payee) in order to receive the bill. For example when the customer is near the cash register he can enter the cash register's contact number into his MWP or his MWP monitors the cash register's terminal's ([0036] 2) broadcasting contact number. Then the message is sent to the cash register's terminal and indicates who is the message sender because the message includes the senders details (contact number). The message sender's contact number can be sent directly from the sender's MWP or from the network (for example short message center, switches or other network component) or from the host computer (for example the shop's host computer via which the message goes to the cash register's terminal, and wherein the payer can have an account). Then cashier activates the payer's contact codes (by activating “Send” button, for example) upon which the bill or the sum to be paid by the payer is sent to the payer's terminal. Then the payer activates the payee's account or contact codes or the host computer's contact codes which after the bill (sum to be paid) and/or the required telecash is sent to the payee's terminal or the required host computer (located in the service provider's service area or in the bank or in the network). Then the telecash is transferred to the payee's account (if it is not sent directly to the payee's terminal) or the payer account is debited. If the terminal-to-terminal payment is not taken place, that is, the payment is completed in the host computer, then the host computer sends the required messages to the payee's and payer's terminals to acknowledge the completion of the payment.
    [0037] In this invention the users terminals ([0037] 1, 2) can operate as the switches and base stations to each other since in one embodiment of this invention said terminals can transmit to each other any required information without using the network. Therefore, the network's capacity is not wasted when users are near to each other (as usually for example to pay in the shops the payer is near to the payee). Depending on the air interface protocol used for terminal-to-terminal communication, for (short) messaging terminals (1, 2) do not necessarily need to have any signaling or be synchronized. But when required terminals (1, 2) can have required signaling and if required be synchronized. For example payer's terminal (1) listens to the air interface and receives the signals for example from payee's terminal (2). Then the communication between the terminals can be synchronized (in case of CDMA systems, synchronization is not necessary; CDMA: Code Division Multiple Access) on terminal-to-terminal basis without using the network. Then payer's terminal (1) can transfer the information received from the payee's terminal (2) to any other terminal either directly or via network.
    [0038] The users' MWPs can at the same time operate as the user's mobile phone and electronic wallet. For example the terminal can be a dual-mode or a single-mode (dual-band), for example a GSM-DECT dual-mode terminal that in accordance to this invention can operate so that when user is shopping the DECT part of the terminal operates as user's wallet for purchase payment, and the GSM part for telephone calls. The term GSM stands for Global System for Mobile Communication, the term DECT stands for Digital European Cordless Telecommunications. The terminal ([0038] 1, 2) can operate both in a wireless local loop and under the wide area wireless networks. The user's purchase payments, bills, telephone calls and all kind of payments can be paid by his MWP. By utilizing this invention there will remain no possibility to produce false money, because user does not need to use any conventional money, since the user's MWP acts as his empty wallet without any conventional money. The user's smart card can be a separate card or his SIM card which can be reloaded with the required amount of telecash. On the other hand user's money can be only kept in his account and the required bills be sent to the host computer (4) where the payer's account can be debited. In this invention the user can be both the payee and the payer. The user can reload his smart card/terminal over the air interface with the required amount of telecash. For example user can transfer the required amount of electronic money (telecash) from his account in the host computer (4) to his terminal's (1) smart card whenever required. In this invention in order to load the user's terminal's smart card with the required telecash any communication protocols (either packet switched or circuit switched means) can be used. In this invention the payee's/service provider's details (account number, codes, contact codes) can be broadcast/sent to all or a group of users (terminals 1) or to the required terminal, which are roaming under the radio coverage of the payee's/service provider's base station or terminal (2) or the network's base station (3).
    [0039] In this invention the user's MWP ([0039] 1) uses the wireless/cellular digital communication messaging means without using any modem for communication between the users' MWPs and host computer, network or other terminals. The terminal (2) can be also a fixed or portable terminal such as personal computer or television using both wireless and internet networks. The inventive method can be used in both wireless and internet networks.
    [0040] The users' terminals ([0040] 1, 2) can be used in any wireless/cellular network such as GSM, PCS, DCS, CDMA, DECT, PHS, ERMES, FLEX and internet. The user's details and payment messages can be send via messaging means of wireless networks such as short message or paging networks, and via internet or via signaling means of networks and MWPs. The user's MWP can be any standard mobile phone and pager by which the inventive method can be utilized. The host computer (2) can include the users' data and accounts or be connected to the users' bank accounts or be logically integrated into any component of the network (3). The user data, for registration and authentication in the terminal or into network or host computer can be the same as the user subscription data (if users use subscription related services, and if required). For example if the telecommunications services are subscription free then the user authentication can take place only between the user, his smart card and terminal. The user can pay for his telephone calls while he is on move (pay-as-you-go) or per each call.
    [0041] The described embodiments of the invention are only considered to be preferred and illustrate of the inventive concept, the scope of the invention is not to be restricted to such embodiments. Various and numerous other arrangements may be devised by one skilled in the art without departing from the sprit and scope of this invention. [0041]
    [0042] It is therefore intended by the appended claims to cover any and all such applications, modifications and embodiments within the scope of the present invention. [0042]
    权利要求:
    Claims (10)
    [1" id="US-20010005840-A1-CLM-00001] 1. A wireless/cellular terminal, preferably a SIM operated mobile phone for operating as the user's Mobile Wallet-Phone (MWP) for allowing a user to perform remote purchase payment and remote bill payment transactions with a remote host computer or other terminals, the terminal comprising:
    means for receiving, handling and transmitting the user's details, account number, contact codes and number, bill, the required amount of telecash to other terminals directly without using the network or via base stations or via any wireless/cellular and/or internet network;
    means for sending, receiving and/or broadcasting the required data to/from other terminals directly under the coverage of said terminals without using the network;
    means for configuring an adjustable radio coverage within which said terminal can send, receive and/or broadcast data to/from other terminals or host computer without using the network;
    means integral to the terminal for operating the terminal, receiving and monitoring payee's/service providers' details, account number and codes, contact number and codes, the required bill and bill format;
    means integral to the terminal and coupled to the terminal's control means for receiving and sending the required amount of telecash directly from said MWP to other terminals or MWP;
    means integral to the terminal for operating, when required, as a wireless/cellular terminal and when required as a cordless terminal;
    means integral to the terminal for making mobile/cordless telephone calls;
    a smart card reader integral to the terminal, if user uses smart card;
    means for reloading the user's smart card with the required amount of telecash;
    a display integral to the terminal;
    a digital camera means integral to the terminal, if the user wants the purchasing product's or the bills details to be read by a camera;
    when used for service providers, the terminal further includes interface means for connecting the terminal to the service provider's automatic machines (petrol stations, coffee machines and any other kind of automatic seller machine).
    [2" id="US-20010005840-A1-CLM-00002] 2. The terminal of
    claim 1 further comprising:
    means for prompting the user to enter a personal identification number for payments, P-PIN, which can be same as the user's PIN for mobile telephone services and can be entered after that the PIN for accessing to the telephone operating network is entered, and that after entering the P-PIN said terminal can be used as the user's electronic wallet, MWP;
    means for encrypting the entered P-PIN, which can be same as the encrypting means used for encrypting the PIN code for mobile telephone services;
    means for conveniently monitoring the broadcasted/received payee's details, account number and codes, contact number and codes, bill, bill format and means for sending the received details and when required the needed amount of telecash to the remote host computer or other terminals or MWP;
    means for direct communicating with other terminals or MWPs and/or host computers without using modem in or in conjunction with said MWP, and in a connectionless way via wireless messaging means of said MWP and when required via wireless messaging means of the network without establishing any circuit-switched call.
    [3" id="US-20010005840-A1-CLM-00003] 3. The terminal of
    claim 1 or
    2 further comprising:
    means for controlling display to conveniently display the broadcasted/received payee's details, name and account number, contact codes and bill to the user;
    means for the user to conveniently select and activate the broadcast/received payee's details, account number, contact codes for sending said data and when needed, the required amount of telecash to the payee's terminal or the host computer;
    means for receiving the payee's details, account number, contact codes, based on the location of the payer's and payee's terminals or base stations;
    means for terminal-to-terminal signaling, whenever required;
    means for conveniently arranging the broadcasted/received payees'/service providers' details in an appropriate order to be selected and activated by payer for sending the bill and/or telecash to the payee's terminal or host computer;
    means for controlling the means for reloading the smart card with the required amount of telecash and means for spending the required amount of telecash for shopping, purchasing and bill payment;
    means for controlling the digital camera integral to the terminal, if the user wants the purchasing product's or the bill's details to be read by the camera.
    [4" id="US-20010005840-A1-CLM-00004] 4. A method for allowing a user to perform purchase and bill payment transactions with other remote terminals or remote host computers, the method comprising the steps of receiving the payee's/payee's, details including account number or codes or contact codes and when required the bill or a bill format in a connectionless way without establishing a circuit-switched call, by a terminal having integral to the terminal a smart card reader, means for reloading the user's smart card with the required amount of telecash, a display, means for controlling and handling the information, each received bill format comprising fields as Amount:, Account no:, Due date:, and other required fields already filled in when received by the payer's terminal or to be filled in, and that by activating the payee's or the host computer's account number or contact codes the bill and, when needed, the required amount of telecash are sent to the payee's terminal or to the host computer directly without using the network or via network.
    [5" id="US-20010005840-A1-CLM-00005] 5. The method of
    claim 4 further comprising the following step as much as needed and when required in a different order:
    promoting the user to enter a personal identification code (P-PIN), if the user uses a smart card (as SIM) which can also be reloaded with the required amount of telecash, and if the user activates the required command (payments) in his terminal;
    encrypting the entered personal identification number;
    receiving the payee's terminal's, base station's, transmitter's, product's tag's/card's or the host computer's transmitting/broadcasting details, or reading the product's bar codes by means of a digital camera integral to said terminal, and monitoring said details on the display of the payer's terminal as much as required, or
    prompting the user to activate a function (“payee” or “service provider” or “payments” or any other alike command) which after activation said payer's terminal monitors the payee's terminal's/base station's or host computer's or other sources (product's tag's/card's) transmitting/broadcasting payee's (and product's) details or said payer's terminal requests said payee's terminal or a host computer to send the bill, bill format, payees details, account number, codes;
    connectionless communicating with the remote host computer or the payee's terminal to send the bill, and when needed the required amount of telecash, to the payee's terminal or the host computer without establishing any circuit-switched call, and that the communication with the remote host computer or payee's terminal can take place both via internet or messaging means of any wireless network or directly between the payer's and payee's terminals or the host computer without using the network.
    [6" id="US-20010005840-A1-CLM-00006] 6. A method for allowing a user to perform remote purchase and bill payment transaction with other remote terminals or remote host computers, and sending and receiving data, the method comprising the step of controlling and configuring an adjustable radio coverage by means integral to a terminal having wireless/cellular messaging means for transmitting, receiving and handling the data without using modem, and that said radio coverage can be adjusted by means integral to said terminal in order to configure a radio coverage area within which the payee's and payer's terminals and/or host computer can exchange required information, send and receive information without using the network; and that:
    for service providers the terminal is further connected or integrated into the automatic machines (petrol stations, coffee machines and other required automatic sellers) of the service providers so that whenever required or continuously the terminal broadcasts/sends the service provider's details, account number, contact codes, the bill, the price of the service and other required information to the payer's terminals (MWP) for performing the payment.
    [7" id="US-20010005840-A1-CLM-00007] 7. A method according to claims 4-5 for sending and receiving purchase transactions and bill payment and that said method is used both in wireless/cellular terminals and also in personal computers and televisions using internet, the method comprising the steps of:
    requesting, by means of the payer's terminal, the host computer or other terminals to send the bill, bill inquiry (format) and payee's details to the payer's terminal;
    displaying the received bill or bill inquiry for the user;
    acceptance of the bill or entering the required data into the bill inquiry by user and activating the required function to send the bill to the host computer or other terminal, or:
    the method comprising the steps of:
    broadcasting by means of payee's terminal or base station the payee's, and when required the purchasing product's details, over the air interface for all or a group of payers' terminals;
    activating the payee's and/or product's details (account code, contact number) in the payer's terminal and sending the bill, with the required amount of telecash when needed, to the payee's terminal or to the host computer.
    [8" id="US-20010005840-A1-CLM-00008] 8. A method for allowing a user to perform purchase and bill transactions with other remote terminals or remote host computers, the method comprising the steps of:
    sending a (short) message to the payee's terminal, said message including the payee's contact number/codes when received by the payee's terminal;
    sending the payable bill or a notification of the sum which must be paid by the payer to the payee to the payer's terminal using the payer's contact number/codes already received;
    sending the required amount of telecash from the payer's terminal to the host computer or to the payee's terminal, or sending the bill with or without the amount of telecash to the host computer;
    debiting the payer's account for the payee, if the required telecash has not been sent to the payee's account.
    [9" id="US-20010005840-A1-CLM-00009] 9. A system for allowing a user to perform remote purchase payment transactions with other remote terminals or remote host computer, the system comprising:
    a wireless/cellular terminal (MWP) comprising:
    means for receiving, handling and transmitting the users' details, account number, contact codes and number, bill, the required amount of telecash to other terminals directly without using the network or via base stations or via any wireless/cellular and/or internet network;
    means for sending, receiving and/or broadcasting the required data to/from other terminals directly under the coverage of said terminals without using the network;
    means for configuring an adjustable radio coverage within which said terminal can send, receive and/or broadcast data to/from other terminals or host computer without using the network;
    means integral to the terminal for operating the terminal, receiving and monitoring the payee's/service providers' details, account number and codes, contact number and codes, the required bill or a bill inquiry;
    means integral to the terminal and coupled to the terminal's control means for receiving and sending the required amount of telecash directly from said MWP to other terminals or MWP;
    means integral to the terminal for operating, when required, as a wireless/cellular terminal and when required as a cordless terminal;
    means integral to the terminal for making mobile/cordless telephone calls;
    a smart card reader integral to the terminal, if user uses smart card;
    means for reloading the user's smart card with the required amount of telecash;
    a display integral to the terminal;
    a digital camera means integral to the terminal, if the user wants the purchasing product's or the bill's details to be read by the camera;
    when used for service providers, the terminal further includes interface means for connecting the terminal to the service provider's automatic machines (petrol stations, coffee machines and any other kind of automatic seller machine).
    [10" id="US-20010005840-A1-CLM-00010] 10. The system of
    claim 9 further comprising:
    means for prompting the user via the display to enter a personal identification number (P-PIN);
    means for controlling the means for encryption to encrypt the entered personal identification number, if the user uses a smart card in or in conjunction with the terminal;
    means for receiving, handling and displaying a bill inquiry, bills and payee's details and sending said data in a connectionless way to other terminals, personal computers and/or host computer;
    means for wireless, modemless and connectionless communicating with other terminals or host computer to send and receive the payee's details, contact codes, numbers, account number, bills, bill inquiry, required amount of telecash, directly without using the network or via the network;
    means integral to the terminal for controlling and configuring an adjustable radio coverage area for wireless/cellular terminal-to-terminal or terminal-to-host computer communications without using the network, so that the payer's and payee's terminals can exchange information securely and without interruption of other terminals;
    means integral to the terminal for controlling and configuring an adjustable radio coverage area which can be adjusted automatically or manually to a desirable range (1 millimeter to 1 meter or more or less);
    means for controlling the display to display the received payee's details, account number, contact number, bills, bill inquiry;
    means for the user to select and activate the payee's details for sending the bill or payment to the payee's terminal or host computer;
    means integral to the terminal and/or network and host computer for defining the location of the terminal based on which the details of all service providers/payees which are near to the payer's terminal or are under the same radio coverage can be sent/broadcast to the payer's/payers' terminals;
    means for terminal-to-terminal transmitting, broadcasting, receiving of information without using the network;
    means for broadcasting/transmitting the service provider's/payee's details, account number, contact codes from the service provider's/payee's terminal/base station to the payer's/payers' terminals;
    means for terminal-to-terminal communicating using wireless messaging communication without using the network;
    means for communicating between the payee's and payer's terminals and/or host computer via messaging means of wireless/cellular networks (short messaging, paging and other such networks);
    means for controlling the means for reloading the smart card with the required amount of telecash and means for spending the required amount of telecash for shopping, purchasing and bill payment;
    means for controlling the digital camera integral to the terminal, if the user wants the purchasing product's or the bill's details to be read by the camera.
    类似技术:
    公开号 | 公开日 | 专利标题
    US7660772B2|2010-02-09|Authentication in a telecommunications network
    EP0960402B1|2007-09-26|Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data
    EP1402484B1|2006-01-04|Payment authorisation through beacons
    US20160253654A1|2016-09-01|Mobile device for making a mobile payment
    US8484086B2|2013-07-09|Payment terminal device for payment data exchange
    US7431202B1|2008-10-07|System and method to monitor credit card transactions
    US7184747B2|2007-02-27|System and method for implementing financial transactions using cellular telephone data
    ES2222266T5|2013-11-04|Purchase in vending machine through cell phone
    JP3414630B2|2003-06-09|Electronic value receiving device, electronic value issuing device, and electronic value issuing and receiving device
    US7533065B2|2009-05-12|Advanced method and arrangement for performing electronic payment transactions
    US7433685B2|2008-10-07|Order method
    EP2372628A2|2011-10-05|Method, apparatus, and system for enabling purchaser to direct payment approval, settlement, and membership subscription using mobile communication terminal
    JPWO2002073483A1|2004-07-02|Electronic money settlement method using mobile communication terminal
    US20070108269A1|2007-05-17|Processing merchant point-of-sale transactions using a mobile subscriber device
    US20020181710A1|2002-12-05|Mobile transaction system and method
    US6658248B1|2003-12-02|Self-service machine operated by communications terminal, and service providing method thereof
    JP2002525767A|2002-08-13|Payment method and system for goods or services
    JP2003533771A|2003-11-11|Transaction method and sales system
    CN101019146A|2007-08-15|Wireless point-of-sale transaction system and method
    US7917123B2|2011-03-29|Method and arrangement for realizing a prepaid subscription and a prepayment terminal and a cellular network terminal utilizing the method
    US20010027428A1|2001-10-04|Network settlement system and method
    KR100900992B1|2009-06-04|Value charging system using mobile terminal and method thereof
    FI108263B|2001-12-14|Mobile payment method and equipment
    RU2284577C2|2006-09-27|Terminal payment device for carrying out payment data exchange
    DE69738167T2|2008-07-03|REAL-TIME SYSTEM AND METHOD FOR FOLLOW-IN PAYMENT OR REMOTE PAYMENT TRANSACTIONS AND TRANSMISSION OF ELECTRONIC MONEY AND OTHER NECESSARY DATA
    同族专利:
    公开号 | 公开日
    ES2285848T3|2007-11-16|
    FI981564A|2000-01-08|
    AU5040399A|2000-01-24|
    FI981564A0|1998-07-07|
    EP1095533A2|2001-05-02|
    FI105965B|2000-10-31|
    AT357827T|2007-04-15|
    JP2002520708A|2002-07-09|
    WO2000002407A2|2000-01-13|
    EP1095533B1|2007-03-21|
    DE69935590T2|2007-10-25|
    DE69935590D1|2007-05-03|
    WO2000002407A3|2000-02-24|
    US7660772B2|2010-02-09|
    引用文献:
    公开号 | 申请日 | 公开日 | 申请人 | 专利标题
    US5311596A|1992-08-31|1994-05-10|At&T Bell Laboratories|Continuous authentication using an in-band or out-of-band side channel|
    US20040093493A1|1995-01-17|2004-05-13|Bisbee Stephen F.|System and method for electronic transmission, storage and retrieval of authenticated documents|
    US5864757A|1995-12-12|1999-01-26|Bellsouth Corporation|Methods and apparatus for locking communications devices|
    US5729537A|1996-06-14|1998-03-17|Telefonaktiebolaget L M Ericsson |Method and apparatus for providing anonymous data transfer in a communication system|
    US6219793B1|1996-09-11|2001-04-17|Hush, Inc.|Method of using fingerprints to authenticate wireless communications|
    US6909708B1|1996-11-18|2005-06-21|Mci Communications Corporation|System, method and article of manufacture for a communication system architecture including video conferencing|
    US7145898B1|1996-11-18|2006-12-05|Mci Communications Corporation|System, method and article of manufacture for selecting a gateway of a hybrid communication system architecture|
    US20020069174A1|1997-02-27|2002-06-06|Microsoft Corporation|Gump: grand unified meta-protocol for simple standards-based electronic commerce transactions|
    US6076163A|1997-10-20|2000-06-13|Rsa Security Inc.|Secure user identification based on constrained polynomials|
    US6772336B1|1998-10-16|2004-08-03|Alfred R. Dixon, Jr.|Computer access authentication method|
    US6802600B2|2001-12-14|2004-10-12|Samsung Electronics Co., Ltd.|Carriage aligning apparatus for ink-jet printer and method thereof|US20010016835A1|1999-12-30|2001-08-23|Uwe Hansmann|Method of payment by means of an electronic communication device|
    US20020116329A1|2001-02-20|2002-08-22|Serbetcioglu Bekir Sami|Systems and methods for approval of credit/debit account transactions using a wireless device|
    US20020152178A1|2001-04-12|2002-10-17|M-Commerce Co., Ltd.|Credit card transaction authentication system and method using mobile terminal|
    US20030055735A1|2000-04-25|2003-03-20|Cameron Richard N.|Method and system for a wireless universal mobile product interface|
    US20030093385A1|1999-12-09|2003-05-15|Francoise Vallee|Electronic payment system through a telecommunication network|
    US6581845B2|2001-07-11|2003-06-24|Ri-Ju Ye|Chip-base plastic currency with cash amount loading function|
    US20040030894A1|2002-08-08|2004-02-12|Fujitsu Limited|Security framework and protocol for universal pervasive transactions|
    US20040098350A1|2002-08-08|2004-05-20|Fujitsu Limited|Framework and system for purchasing of goods and srvices|
    US20040107170A1|2002-08-08|2004-06-03|Fujitsu Limited|Apparatuses for purchasing of goods and services|
    US6764003B1|2000-05-09|2004-07-20|Swisscom Mobile Ag|Transaction method and selling system|
    US20040214641A1|2000-03-22|2004-10-28|Giobbi John J.|Portable data unit for communicating with gaming machine over wireless link|
    US20050027543A1|2002-08-08|2005-02-03|Fujitsu Limited|Methods for purchasing of goods and services|
    US20050157568A1|2003-05-25|2005-07-21|M-Systems Flash Disk Pioneers Ltd.|Contact and contactless interface storage device with processor|
    US20050187873A1|2002-08-08|2005-08-25|Fujitsu Limited|Wireless wallet|
    US20050203966A1|2004-02-06|2005-09-15|Fujitsu Limited|Opinion registering application for a universal pervasive transaction framework|
    US20050234732A1|2002-06-18|2005-10-20|Jonsson Björn|Parallel Coordinated Operations in Private Domains|
    US20050245192A1|2001-09-14|2005-11-03|Mobile Satellite Ventures, Lp|Radiotelephones and operating methods that use a single radio frequency chain and a single baseband processor for space-based and terrestrial communications|
    US20050246253A1|2002-04-28|2005-11-03|Paycool International Limited|System to enable a telecom operator provide financial transactions services and methods for implementing such transactions|
    US7039022B1|2000-11-16|2006-05-02|Telefonaktiebolaget Lm Ericsson |Transaction system|
    US20060136334A1|2004-11-29|2006-06-22|Atkinson Steven P|Electronic system for provision of banking services|
    US20060206709A1|2002-08-08|2006-09-14|Fujitsu Limited|Authentication services using mobile device|
    US20070022058A1|2002-08-08|2007-01-25|Fujitsu Limited|Wireless computer wallet for physical point of saletransactions|
    US20070017202A1|2005-03-09|2007-01-25|John Zajac|Internal Combustion Engine and Method|
    US20070028277A1|2005-07-26|2007-02-01|Frank Clemente|Integrated internet camera system|
    US20070050871A1|2002-11-24|2007-03-01|Mashhour Ashraf K S|Scheme for spreading and facilitating remote e-services|
    US20070143828A1|2003-10-09|2007-06-21|Vodafone Group Plc|Facilitating and authenticating transactions|
    US7240036B1|2000-07-13|2007-07-03|Gtech Global Services Corporation|Method and system for facilitation of wireless e-commerce transactions|
    US20070187488A1|2006-02-13|2007-08-16|First Data Corporation|Presentation instrument package arrangement|
    US20070262160A1|2006-02-13|2007-11-15|First Data Corporation|Presentation instrument with user-created pin and methods for activating|
    US20070299773A1|2004-11-08|2007-12-27|Tonie Soderstrom|Purchase Card System and Method Therefor|
    US20080010192A1|2006-07-06|2008-01-10|Firethorn Holdings, Llc|Methods and Systems For Indicating a Payment in a Mobile Environment|
    US20080040265A1|2006-07-06|2008-02-14|Firethorn Holdings, Llc|Methods and Systems For Making a Payment Via A Stored Value Card in a Mobile Environment|
    US20080255992A1|2007-04-16|2008-10-16|Chung-Yu Lin|Double recognizing method by means of telephone number and identification code for online credit card transactions over the internet|
    US20080313056A1|2005-06-03|2008-12-18|Shadow Enterprises Inc.|Ordering and Image Transmission System and Method Utilizing Instant Messaging|
    US7494067B1|2005-09-07|2009-02-24|Sprint Communications Company L.P.|Alternate authorization for proximity card|
    US7529563B1|2000-07-10|2009-05-05|Pitroda Satyan G|System for distribution and use of virtual stored value cards|
    US20090179078A1|2008-01-10|2009-07-16|Sony Corporation|In-chassis tv chip with dynamic purse|
    US20090288012A1|2008-05-18|2009-11-19|Zetawire Inc.|Secured Electronic Transaction System|
    US20100076833A1|2008-09-19|2010-03-25|Giftango Corporation|Systems and methods for managing and using a virtual card|
    US20100082487A1|2008-09-26|2010-04-01|Giftango Corporation|Systems and methods for managing a virtual card based on geographical information|
    US20100131347A1|2008-11-24|2010-05-27|Research In Motion Limited|Electronic payment system using mobile wireless communications device and associated methods|
    US20100161487A1|2008-12-19|2010-06-24|Ebay Inc.|Systems and methods for mobile transactions|
    US20100161986A1|2006-02-09|2010-06-24|Siemens Aktiengesellschaft|Method for Verifying the Authenticity of Messages Exchanged According to a Mobile Internet Protocol|
    US7895126B1|2000-03-10|2011-02-22|Kudelski S.A.|Method, communications system and receiver device for the billing of access controlled programmes and /or data from broadcast transmitters|
    US7933589B1|2000-07-13|2011-04-26|Aeritas, Llc|Method and system for facilitation of wireless e-commerce transactions|
    US20110145044A1|2009-12-16|2011-06-16|Giftango Corporation|Systems and methods for generating a virtual value item for a promotional campaign|
    US20110153498A1|2009-12-18|2011-06-23|Oleg Makhotin|Payment Channel Returning Limited Use Proxy Dynamic Value|
    US8121945B2|2006-07-06|2012-02-21|Firethorn Mobile, Inc.|Methods and systems for payment method selection by a payee in a mobile environment|
    US8160959B2|2006-07-06|2012-04-17|Firethorn Mobile, Inc.|Methods and systems for payment transactions in a mobile environment|
    US20130073458A1|2011-09-19|2013-03-21|Cardinalcommerce Corporation|Open wallet for electronic transactions|
    US8467766B2|2006-07-06|2013-06-18|Qualcomm Incorporated|Methods and systems for managing payment sources in a mobile environment|
    US20130159178A1|2011-12-14|2013-06-20|Firethorn Mobile, Inc.|System and Method For Loading A Virtual Token Managed By A Mobile Wallet System|
    US8489067B2|2006-07-06|2013-07-16|Qualcomm Incorporated|Methods and systems for distribution of a mobile wallet for a mobile device|
    US20130204794A1|2003-08-18|2013-08-08|Jagdeep Singh Sahota|Payment service authentication for a transaction using a generated dynamic verification value|
    US8510220B2|2006-07-06|2013-08-13|Qualcomm Incorporated|Methods and systems for viewing aggregated payment obligations in a mobile environment|
    US20130262163A1|2011-03-11|2013-10-03|Bytemark, Inc.|Method and System for Distributing Electronic Tickets with Visual Display|
    US20140040950A1|2005-07-26|2014-02-06|Alex Is The Best, Llc|Integrated internet camera system and method|
    US8655309B2|2003-11-14|2014-02-18|E2Interactive, Inc.|Systems and methods for electronic device point-of-sale activation|
    US8676672B2|2007-08-23|2014-03-18|E2Interactive, Inc.|Systems and methods for electronic delivery of stored value|
    US8682385B2|2012-05-11|2014-03-25|International Business Machines Corporation|Managing third party transactions at a mobile operator|
    US8706630B2|1999-08-19|2014-04-22|E2Interactive, Inc.|System and method for securely authorizing and distributing stored-value card data|
    US20140122114A1|2005-08-23|2014-05-01|Modiv Media, Inc.|Systemand methodfor user controlled log-in; interacting and log-out|
    US8751294B2|2009-12-04|2014-06-10|E2Interactive, Inc.|Processing value-ascertainable items|
    US8923827B2|2007-01-09|2014-12-30|Visa U.S.A. Inc.|Mobile payment management|
    US9123040B2|2011-01-21|2015-09-01|Iii Holdings 1, Llc|Systems and methods for encoded alias based transactions|
    US9443268B1|2013-08-16|2016-09-13|Consumerinfo.Com, Inc.|Bill payment and reporting|
    US9811836B2|2002-10-23|2017-11-07|Modiv Media, Inc|System and method of a media delivery services platform for targeting consumers in real time|
    US9881433B2|2011-03-11|2018-01-30|Bytemark, Inc.|Systems and methods for electronic ticket validation using proximity detection|
    US10068287B2|2010-06-11|2018-09-04|David A. Nelsen|Systems and methods to manage and control use of a virtual card|
    US10089606B2|2011-02-11|2018-10-02|Bytemark, Inc.|System and method for trusted mobile device payment|
    US10325314B1|2013-11-15|2019-06-18|Consumerinfo.Com, Inc.|Payment reporting systems|
    US10354269B2|2003-08-22|2019-07-16|Catalina Marketing Corporation|System and method for administering a loyalty program and processing payments|
    US10360567B2|2011-03-11|2019-07-23|Bytemark, Inc.|Method and system for distributing electronic tickets with data integrity checking|
    US10375573B2|2015-08-17|2019-08-06|Bytemark, Inc.|Short range wireless translation methods and systems for hands-free fare validation|
    US10430798B2|2002-10-23|2019-10-01|Matthew Volpi|System and method of a media delivery services platform for targeting consumers in real time|
    US10453067B2|2011-03-11|2019-10-22|Bytemark, Inc.|Short range wireless translation methods and systems for hands-free fare validation|
    US10657561B1|2008-08-20|2020-05-19|Modiv Media, Inc.|Zone tracking system and method|
    US10671749B2|2018-09-05|2020-06-02|Consumerinfo.Com, Inc.|Authenticated access and aggregation database platform|
    US10937076B2|2010-10-13|2021-03-02|E2Interactive, Inc.|Online personalized gifting system|
    US10943432B2|2012-09-04|2021-03-09|E2Interactive, Inc.|Processing of a game-playing transaction based on location|
    US10943438B2|2012-09-04|2021-03-09|E2Interactive, Inc.|Processing of a game-playing transaction based on location|
    US10954049B2|2017-12-12|2021-03-23|E2Interactive, Inc.|Viscous liquid vessel for gifting|
    US11017443B2|2014-04-30|2021-05-25|E2Interactive, Inc.|System and method for a merchant onsite personalization gifting platform|
    US11037397B2|2012-09-04|2021-06-15|E2Interactive, Inc.|Processing of a user device game-playing transaction based on location|
    US11111065B2|2013-02-15|2021-09-07|E2Interactive, Inc.|Gift card presentation devices|
    US11120428B2|2013-05-02|2021-09-14|E2Interactive, Inc.|Stored value card kiosk system and method|
    US11182836B2|2010-10-13|2021-11-23|E2Interactive, Inc.|Gift card ordering system and method|
    US11219288B2|2013-02-15|2022-01-11|E2Interactive, Inc.|Gift card box with slanted tray and slit|JPH05500876A|1990-08-29|1993-02-18|||
    US5455863A|1993-06-29|1995-10-03|Motorola, Inc.|Method and apparatus for efficient real-time authentication and encryption in a communication system|
    US5537474A|1994-07-29|1996-07-16|Motorola, Inc.|Method and apparatus for authentication in a communication system|
    WO1997045814A1|1996-05-24|1997-12-04|Behruz Vazvan|Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data|
    US5991407A|1995-10-17|1999-11-23|Nokia Telecommunications Oy|Subscriber authentication in a mobile communications system|
    US6167279A|1996-03-13|2000-12-26|Telcordia Technologies, Inc.|Method and system for supporting PACS using a GSM mobile switching center|
    FI103469B1|1996-09-17|1999-06-30|Nokia Telecommunications Oy|Prevention of abuse of a copied subscriber code in a mobile telephone system|
    US6377691B1|1996-12-09|2002-04-23|Microsoft Corporation|Challenge-response authentication and key exchange for a connectionless security protocol|
    US6061346A|1997-01-17|2000-05-09|Telefonaktiebolaget Lm Ericsson |Secure access method, and associated apparatus, for accessing a private IP network|
    EP0970411B1|1997-03-27|2002-05-15|BRITISH TELECOMMUNICATIONS public limited company|Copy protection of data|
    US6414950B1|1997-10-14|2002-07-02|Lucent Technologies Inc.|Sequence delivery of messages|
    JP2004242142A|2003-02-07|2004-08-26|Nippon Telegr & Teleph Corp <Ntt>|User managing method, subscriber accommodating router device and subscriber authentication server device used in the method, and computer program for performing the method|EP1232454A1|1999-09-10|2002-08-21|Portogo, Inc.|System and method for insuring correct data transmission over the internet|
    FI20000760A0|2000-03-31|2000-03-31|Nokia Corp|Authentication in a packet data network|
    US7979057B2|2000-10-06|2011-07-12|S.F. Ip Properties 62 Llc|Third-party provider method and system|
    GB2367986B|2001-03-16|2002-10-09|Ericsson Telefon Ab L M|Address mechanisms in internet protocol|
    US7444513B2|2001-05-14|2008-10-28|Nokia Corporiation|Authentication in data communication|
    US7328842B2|2001-08-14|2008-02-12|Ikan Technologies Inc.|Networked waste processing apparatus|
    US7996888B2|2002-01-11|2011-08-09|Nokia Corporation|Virtual identity apparatus and method for using same|
    CA2482648C|2002-04-26|2012-08-07|Thomson Licensing S.A.|Transitive authentication authorization accounting in interworking between access networks|
    CN1215386C|2002-04-26|2005-08-17|St微电子公司|Method and hardware architecture for controlling a process or for processing data based on quantum soft computing|
    CN1659558B|2002-06-06|2010-09-22|汤姆森特许公司|Broker-based interworking using hierarchical certificates|
    BR0215841A|2002-08-16|2005-06-21|Togewa Holding Ag|Process and system for gsm authentication with roaming wireless LANs|
    GB2394327B|2002-10-17|2006-08-02|Vodafone Plc|Device for facilitating and authenticating transactions|
    JP4509931B2|2002-10-17|2010-07-21|ヴォウダフォン・グループ・ピーエルシー|Facilitating and authenticating transactions|
    US6934535B2|2002-12-02|2005-08-23|Nokia Corporation|Privacy protection in a server|
    JP4630275B2|2004-03-17|2011-02-09|アイピートーク株式会社|Wireless communication terminal and wireless communication method|
    US9821344B2|2004-12-10|2017-11-21|Ikan Holdings Llc|Systems and methods for scanning information from storage area contents|
    FR2883115A1|2005-03-11|2006-09-15|France Telecom|METHOD OF ESTABLISHING SECURE COMMUNICATION LINK|
    US8768778B2|2007-06-29|2014-07-01|Boku, Inc.|Effecting an electronic payment|
    KR101456736B1|2007-08-13|2014-10-31|애플 인크.|New diameter signaling for mobile ipv4|
    DE102007050055A1|2007-10-17|2009-05-20|Deutsche Telekom Ag|Method for carrying out a parking operation with the aid of a mobile radio device|
    GB2457445A|2008-02-12|2009-08-19|Vidicom Ltd|Verifying payment transactions|
    GB0809383D0|2008-05-23|2008-07-02|Vidicom Ltd|Customer to supplier funds transfer|
    US9652761B2|2009-01-23|2017-05-16|Boku, Inc.|Systems and methods to facilitate electronic payments|
    US9990623B2|2009-03-02|2018-06-05|Boku, Inc.|Systems and methods to provide information|
    US8700530B2|2009-03-10|2014-04-15|Boku, Inc.|Systems and methods to process user initiated transactions|
    US20100299220A1|2009-05-19|2010-11-25|Boku, Inc.|Systems and Methods to Confirm Transactions via Mobile Devices|
    US20100306015A1|2009-05-29|2010-12-02|Boku, Inc.|Systems and Methods to Schedule Transactions|
    US9595028B2|2009-06-08|2017-03-14|Boku, Inc.|Systems and methods to add funds to an account via a mobile communication device|
    US20100312645A1|2009-06-09|2010-12-09|Boku, Inc.|Systems and Methods to Facilitate Purchases on Mobile Devices|
    US9697510B2|2009-07-23|2017-07-04|Boku, Inc.|Systems and methods to facilitate retail transactions|
    US9519892B2|2009-08-04|2016-12-13|Boku, Inc.|Systems and methods to accelerate transactions|
    US20110078077A1|2009-09-29|2011-03-31|Boku, Inc.|Systems and Methods to Facilitate Online Transactions|
    US20110125610A1|2009-11-20|2011-05-26|Boku, Inc.|Systems and Methods to Automate the Initiation of Transactions via Mobile Devices|
    US8412626B2|2009-12-10|2013-04-02|Boku, Inc.|Systems and methods to secure transactions via mobile devices|
    US20110143710A1|2009-12-16|2011-06-16|Boku, Inc.|Systems and methods to facilitate electronic payments|
    US8566188B2|2010-01-13|2013-10-22|Boku, Inc.|Systems and methods to route messages to facilitate online transactions|
    US20110185406A1|2010-01-26|2011-07-28|Boku, Inc.|Systems and Methods to Authenticate Users|
    US20110213671A1|2010-02-26|2011-09-01|Boku, Inc.|Systems and Methods to Process Payments|
    US20110217994A1|2010-03-03|2011-09-08|Boku, Inc.|Systems and Methods to Automate Transactions via Mobile Devices|
    US20110238483A1|2010-03-29|2011-09-29|Boku, Inc.|Systems and Methods to Distribute and Redeem Offers|
    US8583504B2|2010-03-29|2013-11-12|Boku, Inc.|Systems and methods to provide offers on mobile devices|
    US8589290B2|2010-08-11|2013-11-19|Boku, Inc.|Systems and methods to identify carrier information for transmission of billing messages|
    US8699994B2|2010-12-16|2014-04-15|Boku, Inc.|Systems and methods to selectively authenticate via mobile communications|
    US8583496B2|2010-12-29|2013-11-12|Boku, Inc.|Systems and methods to process payments via account identifiers and phone numbers|
    US8700524B2|2011-01-04|2014-04-15|Boku, Inc.|Systems and methods to restrict payment transactions|
    WO2012148842A1|2011-04-26|2012-11-01|Boku, Inc.|Systems and methods to facilitate repeated purchases|
    US9830622B1|2011-04-28|2017-11-28|Boku, Inc.|Systems and methods to process donations|
    US9191217B2|2011-04-28|2015-11-17|Boku, Inc.|Systems and methods to process donations|
    CN105338164A|2014-08-01|2016-02-17|阿里巴巴集团控股有限公司|Recharge prompting method and recharge prompting device|
    法律状态:
    2001-03-12| AS| Assignment|Owner name: NOKIA NETWORKS OY,FINLAND Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:VERKAMA, MARKKU;REEL/FRAME:011608/0871 Effective date: 20010119 Owner name: NOKIA NETWORKS OY, FINLAND Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:VERKAMA, MARKKU;REEL/FRAME:011608/0871 Effective date: 20010119 |
    2009-09-04| AS| Assignment|Owner name: NOKIA CORPORATION,FINLAND Free format text: MERGER;ASSIGNOR:NOKIA NETWORKS OY;REEL/FRAME:023191/0534 Effective date: 20011001 Owner name: NOKIA CORPORATION, FINLAND Free format text: MERGER;ASSIGNOR:NOKIA NETWORKS OY;REEL/FRAME:023191/0534 Effective date: 20011001 |
    2010-01-20| STCF| Information on status: patent grant|Free format text: PATENTED CASE |
    2010-04-20| CC| Certificate of correction|
    2011-09-13| AS| Assignment|Owner name: MICROSOFT CORPORATION, WASHINGTON Free format text: SHORT FORM PATENT SECURITY AGREEMENT;ASSIGNOR:CORE WIRELESS LICENSING S.A.R.L.;REEL/FRAME:026894/0665 Effective date: 20110901 Owner name: NOKIA CORPORATION, FINLAND Free format text: SHORT FORM PATENT SECURITY AGREEMENT;ASSIGNOR:CORE WIRELESS LICENSING S.A.R.L.;REEL/FRAME:026894/0665 Effective date: 20110901 |
    2011-10-26| AS| Assignment|Owner name: 2011 INTELLECTUAL PROPERTY ASSET TRUST, DELAWARE Free format text: CHANGE OF NAME;ASSIGNOR:NOKIA 2011 PATENT TRUST;REEL/FRAME:027121/0353 Effective date: 20110901 Owner name: NOKIA 2011 PATENT TRUST, DELAWARE Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:NOKIA CORPORATION;REEL/FRAME:027120/0608 Effective date: 20110531 |
    2011-12-15| AS| Assignment|Owner name: CORE WIRELESS LICENSING S.A.R.L., LUXEMBOURG Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:2011 INTELLECTUAL PROPERTY ASSET TRUST;REEL/FRAME:027392/0239 Effective date: 20110831 |
    2013-03-13| FPAY| Fee payment|Year of fee payment: 4 |
    2016-08-30| AS| Assignment|Owner name: MICROSOFT CORPORATION, WASHINGTON Free format text: UCC FINANCING STATEMENT AMENDMENT - DELETION OF SECURED PARTY;ASSIGNOR:NOKIA CORPORATION;REEL/FRAME:039872/0112 Effective date: 20150327 |
    2017-07-26| FPAY| Fee payment|Year of fee payment: 8 |
    2017-09-11| AS| Assignment|Owner name: CONVERSANT WIRELESS LICENSING S.A R.L., LUXEMBOURG Free format text: CHANGE OF NAME;ASSIGNOR:CORE WIRELESS LICENSING S.A.R.L.;REEL/FRAME:043813/0143 Effective date: 20170720 |
    2018-08-22| AS| Assignment|Owner name: CPPIB CREDIT INVESTMENTS, INC., CANADA Free format text: AMENDED AND RESTATED U.S. PATENT SECURITY AGREEMENT (FOR NON-U.S. GRANTORS);ASSIGNOR:CONVERSANT WIRELESS LICENSING S.A R.L.;REEL/FRAME:046897/0001 Effective date: 20180731 |
    2021-03-10| AS| Assignment|Owner name: CONVERSANT WIRELESS LICENSING S.A R.L., LUXEMBOURG Free format text: RELEASE BY SECURED PARTY;ASSIGNOR:CPPIB CREDIT INVESTMENTS INC.;REEL/FRAME:055544/0917 Effective date: 20210302 |
    2021-09-27| FEPP| Fee payment procedure|Free format text: MAINTENANCE FEE REMINDER MAILED (ORIGINAL EVENT CODE: REM.); ENTITY STATUS OF PATENT OWNER: LARGE ENTITY |
    优先权:
    申请号 | 申请日 | 专利标题
    FI981564||1998-07-07||
    FI981564A|FI105965B|1998-07-07|1998-07-07|Authentication in telecommunications networks|
    PCT/FI1999/000593|WO2000002407A2|1998-07-07|1999-07-02|Authentication in a telecommunications network|
    [返回顶部]