WO2003009206A1 - The system and operational method of mobile telecommunication device for electronic cash - Google Patents

The system and operational method of mobile telecommunication device for electronic cash Download PDF

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Publication number
WO2003009206A1
WO2003009206A1 PCT/KR2002/001353 KR0201353W WO03009206A1 WO 2003009206 A1 WO2003009206 A1 WO 2003009206A1 KR 0201353 W KR0201353 W KR 0201353W WO 03009206 A1 WO03009206 A1 WO 03009206A1
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WO
WIPO (PCT)
Prior art keywords
mobile communications
money
electronic
terminal device
communications devices
Prior art date
Application number
PCT/KR2002/001353
Other languages
French (fr)
Inventor
Sungwoo Kim
Original Assignee
Sungwoo Kim
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Sungwoo Kim filed Critical Sungwoo Kim
Publication of WO2003009206A1 publication Critical patent/WO2003009206A1/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

Definitions

  • the present invention relates to a field into which mobile communications devices and electronic money techniques are integrated.
  • the mobile communications devices are devices, such as mobile phones, personal digital assistants (PDAs), and IMT2000, which allow their users to make a phone call while they are moving.
  • PDAs personal digital assistants
  • IMT2000 IMT2000
  • the present invention will be described in the following paragraphs, taking a mobile phone as an example.
  • mobile phones having functions related to mobile telecommunications network or having functions of a credit card authorization terminal have been used.
  • 'electronic money' functions represent techniques of recording the value of money in semiconductor chips or other electronic memory devices as software and changing it so that the money can be electronically saved and transferred.
  • the present invention provides a mobile phone manufactured to have the characteristics of electronic money by installing a semiconductor chip, a recording device, or software in the mobile phone, i.e., a mobile phone capable of electronically saving and directly transferring money to other mobile phones without using its mobile telecommunications functions.
  • the mobile phone according to the present invention is manufactured so that money can be directly transferred between the mobile phone and an electronic terminal device developed for supporting electronic money functions without using the mobile telecommunications functions of the mobile phone.
  • mobile telecommunications network or wired telecommunications network may be needed to authorize transactions related to money transfer.
  • the present invention provides a mobile phone shown in FIG. 2 basically including a semiconductor chip or an electronic recording device, which is built in the mobile phone for supporting electronic money functions, and an interface device 8, which reads/records software or electronic information from/in the semiconductor chip or the electronic recording device and allows a user to exchange such electronic information with other users in ways other than a mobile communications networking method.
  • the interface device 8 may be mounted at a side of the mobile phone or on top of the mobile phone.
  • a structure 7 having electronic money functions such as a mobile phone or an electronic terminal device, includes an external input device 1 , a money transfer command module 2, a current value memorization module 3, a current value calculation module 4, a module 5 for processing interface with other mobile phones, and an external interface device 6.
  • an electronic terminal device having electronic money functions includes an interface device 9.
  • the interface devices 8 and 9 may adopt a manner of receiving/transmitting information from/to other devices via a physical contact with them or a manner of receiving/transmitting information from/to other devices in a short distance via a wireless method.
  • the basic operational structure of electronic money functions of the electronic terminal device shown in FIG. 3 is the same as that of the mobile phone shown in FIG. 1.
  • FIG. 1 is a diagram illustrating a process of operating a mobile phone or an electronic terminal device having electronic money functions
  • FIG. 2 is a diagram illustrating an example of an external interface device prepared for electronic money functions of a mobile phone
  • FIG. 3 is a diagram illustrating an electronic terminal device having electronic money functions.
  • the present invention provides a method and a system for circulating electronic money between a mobile phone having electronic money functions and an electronic money management company, between one mobile phone having the electronic money functions and another, between the mobile phone and an electronic terminal device having the electronic money functions, and between the electronic terminal device and the electronic money management company.
  • a user connects the mobile phone 7 to a system of the electronic money management company 12 via mobile communications network and converts the current mode of the mobile phone 7 into an operation mode for transferring money. Thereafter, the user sets up the amount of money to be transferred using, for example, number buttons of the mobile phone 7, as shown in FIG. 2, and designates a savings account of the electronic money management company 12. Then, the user can receive, in the mobile phone 7, as much electronic money as he or she wants to withdraw within the available amount of money deposited in the savings account or can send as much electronic money as he or she wants to deposit in the savings account. Thereafter, the user completes the current session of mobile communications.
  • Two users each having a mobile phone supporting electronic money functions convert the current mode of their mobile phones into an operation mode for transferring electronic money between mobile phones. Then, the users set up the amount of electronic money to be transferred to each other and input a command for transferring electronic money so that the two mobile phones can transmit information to each other via their respective external interface devices 8 following a direct wireless transmission method or a contact-type electronic signal communication method. Thereafter, the users complete the current session.
  • a method and a system for circulating electronic money between a mobile phone having electronic money functions and an electronic terminal device having electronic money functions is the same as the method and the system for circulating money between mobile phones having the electronic money functions except that the electronic terminal device preferably shows a consumer the amount of money, which the consumer is supposed to pay, in advance, using a liquid crystal display.
  • a method and a system for circulating electronic money between the electronic terminal device shown in FIG. 3 and the electronic money management company 12 is as follows. A user connects the electronic terminal device to the electronic money management company 12 via mobile telecommunications network or wired communications network and converts the current mode of the electronic terminal device into an operation mode for transferring money.
  • the user sets up the amount of money he or she wants to receive or to send using number buttons of the electronic terminal device, and the user designates a savings account of the electronic money management company 12 and hits a command button. Thereafter, the user completes the current session.
  • Electronic money provided by the present invention is cost-effective as compared with conventional plastic cards having electronic money characteristics.
  • electronic money functions are applied to mobile phones, which are almost considered things of daily necessity, people do not need to carry plastic cards having electronic money functions with them any more.

Abstract

The functions of conventional mobile communications devices have mainly focused on mobile telephone communications. The present invention provides a mobile communication device having the characteristics of electronic money itself. Accordingly, it is possible to electronically transfer money between mobile communications devices and between a mobile communications device and an electronic terminal device developed for transferring electronic money. However, in order to promote smooth circulation of money, it is necessary to enable money to be transferred between a mobile communications device and a savings account in an electronic money management company using mobile communications functions of the mobile communications device. Electronic money provided by the present invention is cost-effective as compared with conventional plastic cards having electronic money characteristics. In addition, the electronic money can replace bills and coins it terms of smooth circulation of money among people, and thus the amount of work a clerk at the window in a bank is supposed to deal with may considerably decrease.

Description

THE SYSTEM AND OPERATIONAL METHOD OF MOBILE TELECOMMUNICATION DEVICE FOR ELECTRONIC CASH
Technical Field
The present invention relates to a field into which mobile communications devices and electronic money techniques are integrated. Here, the mobile communications devices are devices, such as mobile phones, personal digital assistants (PDAs), and IMT2000, which allow their users to make a phone call while they are moving. However, the present invention will be described in the following paragraphs, taking a mobile phone as an example. Conventionally, mobile phones having functions related to mobile telecommunications network or having functions of a credit card authorization terminal have been used. In the present invention, 'electronic money' functions represent techniques of recording the value of money in semiconductor chips or other electronic memory devices as software and changing it so that the money can be electronically saved and transferred.
Background Art
In the prior art, electronic money has been circulated via cards including no touch traffic cards or integrated chip (IC) cards or has been commercialized through a technique of saving the value of money in personal computers (PC) as software and allowing the money to be transferred via on-line network. These conventional techniques of operating electronic money are useful when people want to transfer money for the purpose of paying for what they need to pay. However, these conventional techniques themselves do not provide any functions of allowing people to transfer money to one another without the help of other auxiliary devices and lack mobility. In addition mobile communications devices also serving as a no touch traffic card that supports a later payment function have been suggested, they are still inferior to bills and coins in terms of money circulation, due to the passiveness of money transfer or the impossibility of setting up the amount of money to be transferred. In other words, the conventional electronic money techniques have succeeded in partially realizing the general functions of cash.
The present invention provides a mobile phone manufactured to have the characteristics of electronic money by installing a semiconductor chip, a recording device, or software in the mobile phone, i.e., a mobile phone capable of electronically saving and directly transferring money to other mobile phones without using its mobile telecommunications functions. In addition, the mobile phone according to the present invention is manufactured so that money can be directly transferred between the mobile phone and an electronic terminal device developed for supporting electronic money functions without using the mobile telecommunications functions of the mobile phone. However, in some cases, mobile telecommunications network or wired telecommunications network may be needed to authorize transactions related to money transfer.
In addition, It is necessary to provide a function of transferring money between a mobile phone and a computer system of an electronic money management company using mobile telecommunications network and a function of transferring money between an electronic terminal device and the computer system of the electronic money management company using wired telecommunications network or mobile telecommunications network. And, it is also necessary to allow a user to input electronic commands for setting up the amount of money to be transferred and then transferring money with the use of number buttons or other buttons of a mobile phone or an additional input device.
Disclosure of the Invention
The present invention provides a mobile phone shown in FIG. 2 basically including a semiconductor chip or an electronic recording device, which is built in the mobile phone for supporting electronic money functions, and an interface device 8, which reads/records software or electronic information from/in the semiconductor chip or the electronic recording device and allows a user to exchange such electronic information with other users in ways other than a mobile communications networking method. The interface device 8 may be mounted at a side of the mobile phone or on top of the mobile phone.
As shown in FIG. 1 , a structure 7 having electronic money functions, such as a mobile phone or an electronic terminal device, includes an external input device 1 , a money transfer command module 2, a current value memorization module 3, a current value calculation module 4, a module 5 for processing interface with other mobile phones, and an external interface device 6.
In addition, a system 11 for connecting a mobile phone or an electronic terminal device and a module for managing electronic money and personal savings in a computer system 12 of an electronic money management company via mobile communications network or wired telephone network must be additionally equipped. As shown in FIG. 3, an electronic terminal device having electronic money functions includes an interface device 9. The interface devices 8 and 9 may adopt a manner of receiving/transmitting information from/to other devices via a physical contact with them or a manner of receiving/transmitting information from/to other devices in a short distance via a wireless method. The basic operational structure of electronic money functions of the electronic terminal device shown in FIG. 3 is the same as that of the mobile phone shown in FIG. 1.
Brief Description of the Drawings
FIG. 1 is a diagram illustrating a process of operating a mobile phone or an electronic terminal device having electronic money functions;
FIG. 2 is a diagram illustrating an example of an external interface device prepared for electronic money functions of a mobile phone; and FIG. 3 is a diagram illustrating an electronic terminal device having electronic money functions.
< Description of signs on important parts in these diagrams. >
I . External Input device 2. Money Transfer Command Module
3. Current Value Memorization Module
4. Current Value Calculation Module
5. Interface Processing Module
6. External Interface Device 7. System of Mobile phone and Electronic Terminal Device
Having Electronic Money Functions
8. Example of External Interface Device of Mobile Phone Prepared for Electronic Money Functions
9. Example of External Interface Device of Electronic Terminal Device Prepared for Electronic Money Functions
10. Control Module
I I . Module for Managing Electronic Money and Personal Savings
12. System of Electronic Money Management Company 13. Communications Network 14. Control and Transaction Authorization Module
Best mode for carrying out the Invention
The present invention provides a method and a system for circulating electronic money between a mobile phone having electronic money functions and an electronic money management company, between one mobile phone having the electronic money functions and another, between the mobile phone and an electronic terminal device having the electronic money functions, and between the electronic terminal device and the electronic money management company.
Firstly, a method and a system for circulating electronic money between a mobile phone 7 having electronic money functions and an electronic money management company 12 will be described. A user connects the mobile phone 7 to a system of the electronic money management company 12 via mobile communications network and converts the current mode of the mobile phone 7 into an operation mode for transferring money. Thereafter, the user sets up the amount of money to be transferred using, for example, number buttons of the mobile phone 7, as shown in FIG. 2, and designates a savings account of the electronic money management company 12. Then, the user can receive, in the mobile phone 7, as much electronic money as he or she wants to withdraw within the available amount of money deposited in the savings account or can send as much electronic money as he or she wants to deposit in the savings account. Thereafter, the user completes the current session of mobile communications.
Secondly, a method and a system for circulating money between the mobile phones shown in FIG. 2 will be described. Two users each having a mobile phone supporting electronic money functions convert the current mode of their mobile phones into an operation mode for transferring electronic money between mobile phones. Then, the users set up the amount of electronic money to be transferred to each other and input a command for transferring electronic money so that the two mobile phones can transmit information to each other via their respective external interface devices 8 following a direct wireless transmission method or a contact-type electronic signal communication method. Thereafter, the users complete the current session.
Thirdly, a method and a system for circulating electronic money between a mobile phone having electronic money functions and an electronic terminal device having electronic money functions is the same as the method and the system for circulating money between mobile phones having the electronic money functions except that the electronic terminal device preferably shows a consumer the amount of money, which the consumer is supposed to pay, in advance, using a liquid crystal display. Fourthly, a method and a system for circulating electronic money between the electronic terminal device shown in FIG. 3 and the electronic money management company 12 is as follows. A user connects the electronic terminal device to the electronic money management company 12 via mobile telecommunications network or wired communications network and converts the current mode of the electronic terminal device into an operation mode for transferring money. Thereafter, the user sets up the amount of money he or she wants to receive or to send using number buttons of the electronic terminal device, and the user designates a savings account of the electronic money management company 12 and hits a command button. Thereafter, the user completes the current session.
Industrial Applicability
Electronic money provided by the present invention is cost-effective as compared with conventional plastic cards having electronic money characteristics. In addition, since in the present invention, electronic money functions are applied to mobile phones, which are almost considered things of daily necessity, people do not need to carry plastic cards having electronic money functions with them any more.
In addition, according to the present invention, it is possible to get rid of transaction fees, which are charged on every electronic transaction performed via mobile telecommunications network, by allowing people to set up the amount of money to be transferred and then directly transfer money to one another using direct information transmission therebetween. If a function of transferring money from an electronic money management company or a bank to a mobile phone using mobile telecommunications network and a function of transferring money between mobile phones and terminal devices of shops are commercialized at the same time, electronic money will replace bills and coins in the near future, providing perfect circulation of money, in which case the amount of work a clerk at the window in a bank is supposed to deal with may considerably decrease and automatic teller machines may not be needed any more.

Claims

What is claimed is:
1. A mobile communications device capable of saving and transferring electronic money using a semiconductor chip, an electronic recording device, or software.
2. A mobile communications device capable of electronically transferring money using a direct information transmission method between mobile communications devices rather than mobile telecommunications network prepared for the mobile communications devices.
3. A system for electronically saving and transferring money under the control of control modules 10 of two mobile communications devices, and a method for operating the system, the method comprising: receiving a command for transferring money from an external input device 1 of each of the two mobile communications devices; reading information on the current value of money using a current value memorization module 3 of each of the two mobile communications devices and preparing for an electronic calculation for transferring money using a current value calculation module 4 of each of the two mobile communications devices by following a process of electronically transferring money between the two mobile communications devices; operating an interface processing module 5 of each of the two mobile communications devices and exchanging information in a direct information transmission manner rather than a mobile telephone communication manner via a physical contact between the two mobile communications devices using an external interface device 6 of each of the two mobile communications devices; performing the electronic caculation using the current value calculation module 4 of each of the two mobile communications devices; and electronically recording the current value of money in the current value memorization module 3 of each of the two mobile communications devices.
4. The system of claim 3 performed in a direct wireless information transmission manner in which the two mobile communications devices can transmit information to each other when they are a short distance off, and the method for operating the system.
5. A system for electronically saving and transferring money under the control of control modules 10 of a mobile communications device and an electronic terminal device, and a method for operating the system, the method comprising: receiving a command for transferring money from an external input device 1 of each of the mobile communications device and the electronic terminal device; reading current information on the value of money using a current value memorization module 3 of each of the mobile communications device and the electronic terminal device and preparing for an electronic calculation for transferring money using a current value calculation module 4 of each of the mobile communications device and the electronic terminal device by following a process of electronically transferring money between the mobile communications device and the electronic terminal device; operating an interface processing module 5 of each of the mobile communications device and the electronic terminal device and exchanging information in a direct information transmission manner rather than a mobile telephone communication manner via a physical contact between the mobile communications device and the electronic terminal device using an external interface device 6 of each of the mobile communications device and the electronic terminal device; performing the electronic calculation using the current value calculation module 4 of each of the two mobile communications devices; and electronically recording the current value of money in the current value memorization module 3 of each of the mobile communications device and the electronic terminal device.
6. The system of claim 5 performed in a direct wireless information transmission manner in which the mobile communications device and the electronic terminal device can transmit information to each other when they are a short distance off, and the method for operating the system.
7. An electronic terminal device having the same functions and characteristics as the mobile communications device of claim 1.
8. An electronic terminal device capable of transferring money to a mobile communications device in a direct information transmission manner without using the function of mobile telephone communication.
9. A system enabling money to be electronically transferred between an electronic money system of a mobile communications device and a personal savings management module 11 in a computer system 12 of an electronic money management company using mobile communications functions of the mobile communications device under the control of a control and transaction authorization module 12 in the computer system 12, and a method for operating the system.
10. The system of claim 9 performed using mobile telecommunications network or wired telephone communications network between the electronic terminal device and the computer system 12 of the electronic money management company, and the method for operating the system.
1 1. A system for electronically saving and transferring money under the control of control modules 10 of two mobile communications devices, and a method for operating the system, the method comprising: operating a money transfer command module 2 of each of the two mobile communications devices by manipulating an external input device of each of the two mobile communications devices; reading current information on the value of money using a current value memorization module 3 of each of the two mobile communications devices and preparing for an electronic calculation for transferring money using a current value calculation module 4 of each of the two mobile communications devices by following a process of electronically transferring money between the two mobile communications devices; operating an interface processing module 5 of each of the two mobile communications devices and exchanging information in a direct information transmission manner rather than a mobile telephone communication manner via a physical contact between the two mobile communications devices using an external interface device 6 of each of the two mobile communications devices; having an electronic transaction related to money transfer between the two mobile communications devices authorized by a control and transaction authorization module 14 in a computer system 12 of an electronic money management company using mobile communications functions of the two mobile communications devices; performing the electronic operation using the current value calculation module 4 of each of the two mobile communications devices; and electronically recording the current value of money in the current value memorization module 3 of each of the two mobile communications devices.
12. The system of claim 11 performed in a direct wireless information transmission manner in which the two mobile communications devices can transmit information to each other when they are a short distance off, and the method for operating the system.
13. A system for electronically saving and transferring money under the control of control modules 10 of a mobile communications device and an electronic terminal device, and a method for operating the system, the method comprising: operating a money transfer command module 2 of each of the mobile communications device and the electronic terminal device by manipulating an external input device of each of the mobile communications device and the electronic terminal device; reading current information on the value of money using a current value memorization module 3 of each of the mobile communications device and the electronic terminal device and preparing for an electronic calculation for transferring money using a current value calculation module 4 of each of the mobile communications device and the electronic terminal device by following a process of electronically transferring money between the mobile communications device and the electronic terminal device; operating an interface processing module 5 of each of the mobile communications device and the electronic terminal device and exchanging information in a direct information transmission manner rather than a mobile telephone communication manner via a physical contact between the mobile communications device and the electronic terminal device using an external interface device 6 of each of the mobile communications device and the electronic terminal device; having an electronic transaction related to money transfer between the mobile communications device and the electronic terminal device authorized by a control and transaction authorization module 14 in a computer system 12 of an electronic money management company using mobile or wired communications functions of the electronic terminal device; performing the electronic operation using the current value calculation module 4 of each of the two mobile communications devices; and electronically recording the current value of money in the current value memorization module 3 of each of the mobile communications device and the electronic terminal device.
14. The system of claim 13 performed in a direct wireless information transmission manner in which the two mobile communications devices can transmit information to each other when they are a short distance off, and the method for operating the system.
PCT/KR2002/001353 2001-07-19 2002-07-18 The system and operational method of mobile telecommunication device for electronic cash WO2003009206A1 (en)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR20010043602 2001-07-19
KR2001/43601 2001-07-19
KR20010043601 2001-07-19
KR2001/43602 2001-07-19

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WO2005059901A1 (en) * 2003-12-19 2005-06-30 Telefonaktiebolaget Lm Ericsson (Publ) Constrained filter encoding of polyphonic signals
EP1603062A1 (en) * 2003-03-07 2005-12-07 Bitwallet Inc. Mobile terminal
NL1030685C2 (en) * 2005-12-16 2007-06-19 Bin Innovations Electronic payment device, capable of reading and writing information on bank cards inserted into slots and communicating with bank computer network
WO2009095747A1 (en) * 2008-01-31 2009-08-06 Henri Sack Computerized system for modelling and operating public documents

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KR20010028964A (en) * 1999-09-28 2001-04-06 이찬진 Payment method by the certification using the personal communication services

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US5870723A (en) * 1994-11-28 1999-02-09 Pare, Jr.; David Ferrin Tokenless biometric transaction authorization method and system
KR20010028964A (en) * 1999-09-28 2001-04-06 이찬진 Payment method by the certification using the personal communication services
KR20000063847A (en) * 2000-08-07 2000-11-06 구본성 Ic card wireless mobile communication charging system

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EP1603062A1 (en) * 2003-03-07 2005-12-07 Bitwallet Inc. Mobile terminal
EP1603062A4 (en) * 2003-03-07 2006-05-17 Bitwallet Inc Mobile terminal
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WO2005059901A1 (en) * 2003-12-19 2005-06-30 Telefonaktiebolaget Lm Ericsson (Publ) Constrained filter encoding of polyphonic signals
NL1030685C2 (en) * 2005-12-16 2007-06-19 Bin Innovations Electronic payment device, capable of reading and writing information on bank cards inserted into slots and communicating with bank computer network
WO2009095747A1 (en) * 2008-01-31 2009-08-06 Henri Sack Computerized system for modelling and operating public documents

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