CN1430760A - Method and system for wireless electronic commerce using portable, wireless communication device having unique identifying information - Google Patents

Method and system for wireless electronic commerce using portable, wireless communication device having unique identifying information Download PDF

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Publication number
CN1430760A
CN1430760A CN01810007A CN01810007A CN1430760A CN 1430760 A CN1430760 A CN 1430760A CN 01810007 A CN01810007 A CN 01810007A CN 01810007 A CN01810007 A CN 01810007A CN 1430760 A CN1430760 A CN 1430760A
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China
Prior art keywords
business transaction
telecom equipment
wireless telecom
transaction data
pot
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Chinese (zh)
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A·T·布洛
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Qualcomm Inc
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Qualcomm Inc
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    • 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
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location 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
    • G06Q20/32—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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/03—Protecting confidentiality, e.g. by encryption
    • H04W12/033—Protecting confidentiality, e.g. by encryption of the user plane, e.g. user's traffic
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W84/00—Network topologies
    • H04W84/18—Self-organising networks, e.g. ad-hoc networks or sensor networks
    • H04W84/20—Master-slave selection or change arrangements
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W8/00—Network data management
    • H04W8/26—Network addressing or numbering for mobility support

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Abstract

A method and system for effecting an electronic commerce (e-commerce) transaction, wherein a mobile subscriber/user initiates and controls the transaction at or near a local point-of-transaction (POT) terminal using a portable Wireless Communication Device (WCD). An e-commerce support provider (ESP) computer connected with the Internet participates in and facilitates the e-commerce transaction. Using the WCD, the user electronically transfers user owned assets, such as money, credit, or bonus points, held in a remote consumer asset account, from the asset account to the POT terminal as payment for goods and/or services at the POT. The WCD is uniquely identified by unique identifying information stored in the WCD. The WCD includes a first wireless interface for communicating with a wireless interface in the local POT terminal. First e-commerce transaction data is transmitted between the WCD and the POT terminal using the first wireless interface. The WCD includes a second wireless interface for communicating with the ESP computer. Encrypted second e-commerce transaction data generated as a function of the unique identifying information and the first e-commerce transaction data is transmitted between the WCD and the ESP computer connected with the Internet, using the second wireless interface of the WCD. The exchange of first and second e-commerce transaction data between the POT terminal, the WCD, and the ESP computer, results in the transfer of user assets between the POT terminal and the WCD necessary to effect the e-commerce transaction.

Description

The portable radio communication device that use has a unique identifying information carries out the method and system of wireless E-commerce
Background of invention
Invention field
The present invention relates generally to ecommerce, and relate in particular to the transaction of use Wireless Telecom Equipment realization wireless E-commerce.
Correlation technique
Many business transactions need that the consumer is actual to be in or near point of sale or point-of-transaction (POT), consumer transaction currency or currency substitution thing are bought commodity and/or service there.For example, such transaction is included in the grocery store or the department store cashier's machine is bought goods and commodity, has a meal, puts into currency at the restaurant in parking fare register, and exchanges cash between the individual in two related places.In these transaction, common mobile consumer directly makes in cash at POT, credit card or check be as the media of transaction or payment.Such form of payment has some shortcoming.For example, be easy to lose cash, check or credit card.When losing and even when not losing, credit card is the frequent target that the lawless person is used for swindling.The additional personal identification that relates to the point of sale document work of credit and check in addition and finish the check trading needs proves that (normally driving license) can be controversial.
What nowadays, the Internet offered the consumer e-commerce enriches media (being referred to as the e commercial affairs here).Powerful internet basic arrangement structure comprises various Internet service and supports provider, offers the many favourable services relevant with e-commerce transaction of consumer.For example, the consumer can use and be connected in the relevant private site of cheap personal computer in he or she own home in the Internet " shopping " easily.Usually, the consumer buys commodity and/or service by authorizing credit payment to the shopping copartner from far-end or the remote e commercial affairs shopping copartner who also is connected in the Internet.Such e business transaction has limited scope unfriendly, and e commercial affairs shopping the copartner must enter the Internet.In other words, the network between two copartners during transaction needs to conclude the business connects.
Therefore, need to realize that a kind of business transaction is to enable to overcome above-mentioned shortcoming.
Further need in business transaction, provide security, thus the privacy that protection is concluded the business and finished the transaction consumer.
Even further need the network of a kind of use of realization such as the Internet between first and second copartners, to carry out e-commerce transaction, wherein have only a copartner to need to enter the Internet.
Need to realize a kind of e-commerce transaction of using the Internet, wherein movable consumer can be when needed or near point-of-transaction, to buy commodity and/or service and to receive payment from point-of-transaction.
Summary of the invention
The invention provides a kind of method and system of the e of realization business transaction, wherein mobile subscriber/user uses portable radio communication device (WCD) to start and control is in or near the transaction of POT terminal.The e commercial affairs that are connected in the Internet support provider (ESP) computing machine to participate in and the promotion business transaction.Use WCD, the user has user oneself in far-end consumer asset account assets (such as currency, credit card or bonus points) from the asset account electron transfer to the POT terminal as in the commodity of POT and/or the payment of service.
WCD comes unique identification by the unique identifying information that is stored among the WCD.WCD comprises and first wave point that communicates at the wave point of local POT terminal.Between WCD and POT terminal, use first wave point to transmit e business transaction data.WCD comprises second wave point that communicates with the ESP computing machine.At WCD be connected between the ESP computing machine of the Internet, use second wave point of WCD, transmit e business transaction data and the 2nd e business transaction data of the encryption that produces as the function of unique identifying information.Exchange in the first and second e business transaction data between POT terminal, WCD and the ESP computing machine has produced the transfer that realizes the user's assets between necessary POT terminal of e business transaction and the WCD.
Characteristics and advantage
The present invention has advantageously avoided moving of consumer in the e business transaction, the consumer can participate in being in or near the e business transaction of POT thus.The present invention allows the consumer to start and controls consumer's oneself assets (such as currency) and shift with commodity and the service of payment at POT.Therefore the present invention has avoided the needs and the defective of relevant use traditional exchange media (such as cash, credit card or check).
The present invention has added security and privacy levels simultaneously to connectivity and support that the mobile subscriber in the e business transaction provides the Internet in transaction.In addition, POT terminal according to the present invention needs not to be and can insert the Internet that participates in the e business transaction.
WCD of the present invention is as a kind of " stored value card " that is convenient for carrying, and in use be maintain secrecy with safety.
The accompanying drawing summary
From following, especially in the description as the preferred embodiment of the present invention that illustrates in the accompanying drawing, above and other characteristics of the present invention and advantage will become obvious.
Fig. 1 is the total figure that realizes the system of e business transaction according to the present invention.
Fig. 2 A is the explanation of example memory buffering among Fig. 1 WCD.
Fig. 2 B is the format sample of the encryption e business transaction digital data packets that exchanges between the WCD of Fig. 1 and ESP computing machine.
Fig. 2 C is the format sample of the e business transaction digital data packets that exchanges between the WCD of Fig. 1 and POT terminal.
Fig. 3 is the block diagram of the logical organization embodiment of corresponding diagram 1 system.
Fig. 4 is the e business transaction process of the e business transaction in corresponding diagram 1 system.
Fig. 5 is the explanation of Fig. 3 encrypt/decrypt function.
Fig. 6 is the block diagram that the assets electron transfer from WCD to another WCD is arranged.
Fig. 7 be to use can the items scanning bar code WCD realize the block diagram of the arrangement of e business transaction.
Fig. 8 is the block diagram of the WCD embodiment of Fig. 1.
Preferred embodiment is described in detail
Fig. 1 is the total figure that realizes the system 100 of e business transaction according to the present invention.In system 100, subscribers 105 has the assets of preserving in asset account 110.User 105 uses portable WCD120 to start and control the electron transfer of assets between asset account 110 and the POT terminal 115.Portable WCD120 comprises input equipment 123 and display device 124, and they make the user participate in the e business transaction by WCD.In example transaction (wherein asset account 110 makes user's bank account), user's 105 using systems 100 are transferred to POT terminal 115 to currency money electronic to buy commodity and the service in the POT terminal from his or her bank account 110.In optional arrangement, the user is (just from POT terminal 115 to his or her bank account) electron transfer assets in the opposite direction.In e business transaction of the present invention, POT terminal 115 is relative with WCD120 adjacent to each other or in this locality, and asset account 110 is relatively away from POT terminal 115 and WCD120 simultaneously.
In order to promote the electron transfer of above-mentioned assets, system 100 comprises the ESP computing machine 125 that is connected in communication network 130.Can place the Internet to support the ESP computing machine 125 of provider equipment preferably to provide concentrated the Internet to handle at many e business transactions of the present invention supports.In the embodiment in figure 1, ESP computing machine 125 communicates with WCD120 and e business appliance 135 (such as bank, assets keep account 110), so that the asset account electronics can insert ESP computing machine 125.
WCD120 comprises first wave point, and it and the compatible wave point in POT terminal 115 carry out radio communication by short-distance wireless communication link 137.WCD120 is by short-distance wireless communication link 137 and the form exchange e business transaction message of POT terminal 115 with digital data packets.WCD120 also comprises second wave point that carries out radio communication with ESP computing machine 125.By the unique identification of the unique identifying information WCD120 that is stored among the WCD120, and WCD120 also can be used for ESP computing machine 125.In order in the e business transaction, to keep required security and privacy levels, the encryption e business transaction message that WCD120 and ESP computing machine 125 also produce as the function of unique identifying information with the form exchange of digital data packets.
Because WCD120 and POT terminal 115 and ESP computing machine 125 carry out radio communication, so system 100 advantageously allows the movability of user in any e business transaction of the present invention.Like this, portable WCD120 just is used as a kind of " stored value card " or " little notebook " easily, because user 105 is carried into POT (just near POT terminal 115) to WCD120 and uses WCD120 as the currency of dealing POT terminal 115 or the pipeline of other assets safety and the electron transfer of maintaining secrecy.Additional benefit of the present invention is that POT terminal 115 can be an independent electronics, but because POT terminal 115 to need not be access network.
WCD120 and ESP computing machine 125 communicate by 1) wireless communication link 140 between WCD and communication network access device 145, such as radio base station or similar devices, and 2) communication network 130.Communication network 130 comprises world wide packet data communication network network, LAN (Local Area Network) and the public switch telephone network that is commonly referred to as to the Internet.ESP computing machine 125 can be by being connected in the Internet such as ISP 148.The IP address of the corresponding ESP computing machine 125 of storage in the storer of WCD120, and the IP address of in the storer of ESP computing machine 125, storing corresponding WCD120.This makes WCD120 and ESP computing machine 125 can set up the Internet mutually to be connected with exchange encrypt packet during the e business transaction.
As previously mentioned, ESP computing machine 125 also communicates with e business appliance 135 (such as bank, wherein common in store asset account 110).ESP computing machine 125 and e business appliance 135 are by communication network 130 and/or dedicated communication link 152 mutual communication.In the optional arrangement of system 100, asset account 110 and ESP computing machine 125 exist together together, so just need not the added communications between ESP computing machine 125 and the e business appliance 135.
In the present invention, WCD120 comprises the storer of storing the unique identifying information relevant with WCD120 with ESP computing machine 125.Such identifying information comprises that Electronic Serial Number (ESN), mobile subscriber number (MSN) and user insert PIN(Personal Identification Number) or password.The unique memory device of discerning WCD120 and ESN being enrolled WCD120 in the factory of manufacturing WCD120 of ESN.MSN also unique identification WCD120 also can be as the network address of WCD120.The user selects PIN and uses input equipment 123 the memorizer buffer of PIN input WCD120.PIN is just as using the required password of WCD120 like this.Network between WCD120 and ESP computing machine 125 use unique identifying informations are set up mutually connects, with each e business transaction of unique identification and the packet of generation encryption e business transaction.
The example memory buffering 200 of the WCD120 of storage WCD unique identifying information has been described in Fig. 2 A.Memorizer buffer 200 comprises memory location 202,204,206 and 208, with ESN, MSN, PIN and the IP address of storing ESP computing machine 125 respectively.Similar memorizer buffer places ESP computing machine 125, except the memorizer buffer of ESP computing machine 125 is the IP address that comprise WCD120.
Fig. 2 B is the format sample of the encryption e business transaction digital data packets 220 of exchange between WCD120 and ESP computing machine 125.Grouping 220 comprises message type field 222, WCD address field 224 and enciphered data useful load 226.Message type field 222 comprises the type of message specifier of Indication message type, such as request, response or any other type of message.WCD address field 224 comprises the network address, and for example MSN (for example MSN of WCD120) is the WCD of message initiator or destination in its corresponding data grouping 220.Data useful load 226 comprises the encrypted content of message.Grouping 220 also comprises any added field of the needs of supporting application-specific and communication protocol, such as the Internet communication protocol (IP).In preferred embodiment, further data grouping 220 is formatd according to the Internet communication protocol such as the Internet point-to-point protocol (PPP) and TCP/IP.
Fig. 2 C is the format sample that passes through the e business transaction digital data packets 230 of Radio Link 137 exchanges between WCD120 and POT terminal 115.Packet 230 comprises header fields 235, and it comprises any header information of supporting the application-specific needs.Grouping 230 also comprises the data useful load 240 that comprises message content.Can be formatted as simple ascii string to message content with hypertext link markup language (HTML), wireless connections markup language or according to any other form, as long as ought can be shown in user 105 to the message that receives by WCD120 by WCD120 in case of necessity and as described below.
Fig. 3 is the embodiment of the logical organization of corresponding system 100.Each all comprises POT terminal 115, WCD120 and ESP computing machine 125 storer and enough controls and carry out and support the software program that the e business transaction is required or the computer process ability of application.WCD120 master control e business customer machine uses 300, for example comprises known browser application and e business server application 325.ESP computing machine 125 master control ESP use 330, comprise new transaction, and book keeping operation/clearing and communication software are used.In addition, WCD120 and ESP computing machine 125 be the encrypt/decrypt function that replenishes of master controls respectively, is decrypted to produce the encryption e business transaction packet that contact Fig. 1 mentions and these are encrypted grouping.POT terminal 115 control e business application servers 345 also can receive assets (such as currency) as the payment to goods and/or service by electronics.
The e business customer machine 300 of WDC120 sends to request message ESP application 330 and receives response message therefrom.E business customer machine is used 300 and is also comprised user control interface, the steering order that it is shown to message user's display device 124 of WCD120 and user input device 123 and receives the e business transaction therefrom respectively allows user 105 to participate in and control e business transaction like this.E business customer machine 300 sends to request message e business application server 345 in the POT terminal 115 and receives response message therefrom.When suitable, can be shown to subscriber equipment use 300 message that receive by e business customer machine.For example, HTML or the HDML instruction sequence that is sent by POT terminal 115 can show that this is handled by known browser application by client computer 300.
E business transaction process of the present invention has been described among Fig. 4.E business transaction in Fig. 4 corresponding diagram 1 system.Process starts from step 402, and at this moment user 105 uses WCD120 (for example pressing initiating key or similar key at WCD) to start the e business transaction.In step 405, WCD120 sends to POT terminal 115 to request message, and request is from the e commercial matters information of the POT terminal appointment of POT terminal.In step 410, POT terminal 115 specifies the response message of e commercial matters information to send to WCD120 comprising.In step 415, WCD120 receives this response message.WCD120 is relevant and/or be shown to user 105 and point out the user to import in case of necessity from the necessary information of POT terminal 115.WCD120 accepts information and/or the instruction by input equipment 123 inputs of WCD120 by user 105.
In step 420, WCD120 is according to the some or all of information that receive from POT terminal 115 and user 105 and/or instruction or as their function, and the use unique identifying information relevant with WCD, produces encryption request message.According to the form of message 220, traditional encryption request message is included in the " MSN of the WCD120 in request information type specifier, the address field 224 and as the encrypting messages of useful load 226 of message type field.One or more generation encryption useful load 226 that are used for of the MSN of WCD120, ESN and PIN.WCD120 sends to ESP computing machine 125 to encryption request message.
In step 425, ESP computing machine 125 receives the address in encryption request message, the check field 224 and uses the same unique identifying information (for example ESN, MSN and/or PIN) that is used for message is encrypted in step 420 that encrypting messages is decrypted.Then, in step 427, ESP computing machine 125 is set up with the communication of far-end e business appliance 135 and is checked/confirm and the relevant e business transaction of user's asset account that is kept in the e business appliance with real-time (at once promptly).For example, ESP computing machine 125 has enough assets to confirm the e business transaction to satisfy the amount of assets of being asked in the request message from WCD120 in asset account 110 by check.
In an example check/affirmation process, ESP computing machine 125 sends to e business appliance 135 to MSN (also having PIN if desired).Then, e business appliance 135 uses MSN (also having PIN if desired) identification user's asset account 110.After this is finished, ESO computing machine 125 requires " approval " from e business appliance 135, being illustrated in has enough funds to can be used for satisfying or amount of assets that " covering " asked in the request message from WCD120 in the asset account, this is necessary for finishing at the e of POT terminal business transaction.
In step 430, ESP computing machine 125 is used for the identical unique identifying information of step 420 and produces encryption verification/affirmation response message, and message is sent to WCD120.Response message represents whether approve the e business transaction.In step 435, after acceptance inspection/affirmation response message, if the check that is received/affirmation response message is represented to approve or confirmed e business transaction, WCD120 is comprising that the message of required assets sends to POT terminal device 115 so.In step 440, after between ESP computing machine 125 and equipment 135, further communicating by letter, asset account is charged to the e business transaction that the debit finishes with reflection, just have the electric transmission of assets from the user of asset account 110 to POT terminals 115.
About user PIN, advantageously provide different security levels in the present invention.For example, WCD120 can offer the user security options menu.When selecting, such option one) for example every X hour (wherein X be 1,2 or the like), 3 before each e business transaction, 2) periodically) one open WCD or 4) when the e business transaction comprises scheduled volume assets or currency, need the user to import PIN.Such security features has reduced the chance that any swindle of WCD120 in the e business transaction is used.
Fig. 5 is the explanation of the encrypt/decrypt function 335 of Fig. 3.Encrypt/decrypt function 335 and 340 is identical, therefore the description of one of them is also satisfied another.Encrypt/decrypt function 335 comprises encrypts subfunction 500, and it is encrypted to produce the transaction data 505 with unique identifying information 510 and encrypts e business transaction data 515.Encrypt subfunction 500 uses any known encryption algorithm of required safety of e business transaction and security classification is provided, as long as can use the unique identifying information of WCD120 to come transaction data 505 is encrypted.Can be used for example encrypt/decrypt agreement of the present invention and include, but are not limited to, best privacy (PGP) agreement that data encryption standards (DES) cryptographic protocol and being generally used for is encrypted mail and the Internet file.
Useful load 226 by the enciphered data 515 expression message 220 of encrypting subfunction 500 generations.Transaction data 505 is based on the information that receives from POT terminal 115, and the user imports at WCD120.Unique identifying information 510 comprises at least one among the MSN relevant with WCD120, ESN and the PIN.Encrypt/decrypt function 335 also comprises deciphering subfunction 520, and it is decrypted the encryption transaction data 525 with unique identifying information 510, to produce deciphering e business transaction data 530.
In " parking fare register " e of following example business transaction, POT terminal 115 is to accept to be sent to by WCD120 the electronic money deposit of taximeter.The initiating key that user 105 presses WCD120 by time in the scope that is in the parking fare register radio communication he (carrying WCD120) starts the e business transaction of parking fare register.In response, WCD120 is from the appointed information of parking fare register 115 request parking fare registers.Parking fare register 115 usefulness example messages respond:
METER202398981：
THIS?METER?COSTS?$0.25?an?hour，PAY？
In case receive by WCD120, just be shown to user 105 by the WCD display device.User 105 represents "Yes" by pressing the key response of WCD, and the user wishes to pay one hour parking fee.In response to pressing the "Yes" key, WCD120 sends to ESP125 to the request of encrypting, and approves $0.25 is transferred to parking fare register from user's bank account.Suppose bank account remaining sum Da Yu $0.25 in bank account, banking equipment 135 is just approved this transfer, and then ESP125 sends to WCD120 encrypting approval message.After receiving approval message, WCD120 sends to parking fare register to the message of the money transfers of Bao Kuo $0.25 to finish transaction and to pay one hour parking fee.After transaction was finished, ESP125 rebulid and the communicating by letter of equipment 135, thereby $0.25 is charged to the debit from bank account.
In the e business transaction in " based on the restaurant " of following example, POT terminal 115 places the restaurant and stores the restaurant specified message, such as valency purpose Food ﹠ Drink menu.In this example, user 105 initiating key of still pressing WCD120 by in the scope that is in 115 communications of POT terminal the time starts the e business transaction.In response to the request that is sent by WCD120, the POT terminal in restaurant 115 sends to WCD120 to response message.Response message comprises Food ﹠ Drink menu and relevant price.At WCD120 this information is shown in user 105.The object that user 105 wants from the menu selection that shows by the input equipment 123 of WCD120.WCD120 automatically calculates the total price of selected object, and encrypting messages is sent to ESP computing machine 125 approves this total price.If this transaction of ESP computing machine 120 approvals, WCD120 just sends to electronic cash the POT terminal 115 in restaurant so.
Each all comprises above-described e business transaction from WCD120 to the electron transfer in the assets (such as currency) of the POT of POT terminal 115.Yet, should be appreciated that POT terminal 115 can be the 2nd WCD, can transfer to the 2nd WCD to assets from WCD120 thus electronically.Fig. 6 arranges 600 block diagram, here assets from the WCD120 electron transfer to WCD605.Arrange 600 similar in appearance to the arrangement of system's 100 relevant descriptions, except WCD605 has substituted POT terminal 115.Arrange 600 also to comprise ESP computing machine 610 and e business appliance 612, with the e business transaction of supporting to realize with WCD605.User 615 has assets in the asset account of being preserved by e business appliance 612 620.WCD605, ESP610 and e business appliance 615 are to carry out mutual communication with the mode of WCD120, ESP125 and e business appliance 135 mutual communication.
Arranging in 600, user 615 can use WCD605 to start and the control assets from asset account 620 to asset account 110 electron transfer.The transfer of example (wherein asset account 620 and 110 makes bank account) comprise as present described currency from bank account 620 to bank account 110 electron transfer.When user 615 starts such transaction at WCD605, WCD605 just sends to WCD120 to initial request.In response, the e business server of WCD120 is used the response message that 325 (see figure 3)s produce identification WCD120.Then, at WCD615, user's 615 inputs will be transferred to the dollar quantity of account 110 from account 620.Then by ESP610 and e business appliance 612 with as above transfer about these quantity of the described same way as check/affirmation of Fig. 4.After confirming like this, WCD605 sends to WCD120 to message, and the dollar quantity of being imported is transferred to WCD120.At last, the dollar between the account being shifted quantity keeps accounts to the account balance of asset account 620 and 110 respectively and deposits the business transaction with reflection e in.
Fig. 7 be to use the WCD705 that can scan the commodity bar code relevant with commodity object 710 realize the e business transaction the present invention another arrange 700 block diagram.As mentioned above, WCD705 and ESP computing machine and banking equipment interconnect, but not shown in Fig. 7.First wave point of WCD705 (being short-range wireless interface) comprises known barcode reader 715.Barcode reader 715 is any known barcode readers that can read the bar code 710 (such as UPC label) relevant with the commodity object with scanning.As the user of WCD705 during with reader 715 scanning UPC labels 720, WCD705 obtains the purchasing price and the identification code of corresponding goods object 710, and this information stores in the memorizer buffer of WCD705.When user's commodity object that scanning adds when doing shopping, WCD705 just adds up total price and additional identification code is added in the memorizer buffer.When the user had done shopping and want to pay institute's scanned objects, the user took WCD705 can receive the POT terminal that currency money electronic shifts from WCD705 to.The user is as about the commodity object of the described startup payment process of Fig. 4 to be scanned in POT terminal payment subsequently.
In above-described example e business transaction, asset account 110 is the bank accounts of preserving currency, and currency commutes bank account and carries out electron transfer.Yet asset account 110 can be preserved the transferable non-monetary assets of other electronics.Whenever for example, asset account 110 can be preserved user 105 according to the present invention or need not buy accumulation electronic coupons, credit or the bonus points of obtaining according to the present invention.After can being used for such reward voucher, credit and bonus points subsequently according to purchase of the present invention, wherein the non-monetary assets electron transfer to the POT terminal, rather than currency.In addition, except asset account 110, these non-monetary assets can be kept in the second or the 3rd asset account that user 105 has.Asset account 110 can also be a credit accounts, such as credit card, in the e business transaction credit transfer is arrived the POT terminal, need not credit card thus in transaction with credit.
Fig. 8 is the block diagram of WCD120 embodiment.WCD120 has similar in appearance to personal digital assistant or cellular small-sized, portable form characteristics.Can be integrated the function of WCD120 and wireless or cellular function, WCD120 can also can realize the e business transaction as cell phone like this.WCD120 comprises that bus 802 or other transmit the communicator of information, and the processor 804 that is used for process information with bus 802 couplings.WCD120 also comprises primary memory 806, and such as random-access memory (ram) or other dynamic memories, it is coupled in bus 802 and is used to store information and the instruction of being carried out by processor 804.Primary memory 806 also is used in by storage temporary variable and other intermediate informations during processor 804 execution commands.WCD120 further comprises ROM (read-only memory) (ROM) 808 or other any static storage devices, and it is coupled to bus 802 and is used for storing static information and the instruction that is used for processor.Provide memory device 810, and it is coupled in bus 802 and is used for canned data and instruction such as disk or CD.
WCD120 comprises the display 124 to user's display message, such as flat-panel monitor.Display 124 is coupled in bus 802.The input equipment 123 that comprises alphanumeric and other keys is coupled in the bus 802 that information and Instruction Selection is sent to processor 804.Another kind of user input device is cursor control 816, for example mouse, trace ball or cursor direction key, be used for directional information and Instruction Selection is sent to processor 804 and on display 124 the control cursor move.
Carry out startup and the control that the instruction sequence that is included in the primary memory 806 provides the e business transaction by WCD120 in response to processor 804.Can read in primary memory 806 to such instruction from another computer readable medium such as memory device 810.The execution that is included in instruction sequence in the primary memory 806 makes processor 804 carry out above e business transaction about the described step of Fig. 4 and the above example.In optional embodiment, can use hard-wired replacement or in conjunction with computer software instructions to realize the present invention.Like this, embodiments of the invention are not limited to any particular combinations of hardware circuit and software.
WCD120 comprises the short range wireless communication interface (I/F) 820 that is coupled in bus 802." first interface " that communication I/F 820 correspondences are mentioned about Fig. 1 and 7.As mentioned above, communication I/F 820 provides the double-direction radio data communication of passing through wireless communication link 137 with the compatible radio communication I/F of POT terminal 115.Communication I/F 820 comprises the transceiver that transmits and receive data by wireless communication link 137, and the microcontroller of control communication interface.Microcontroller can be integrated with processor 804, and execution of program instructions or the similar function that realizes comprising the communication I/F of any desired data communication protocol.In order to support the described optional arrangement 700 about Fig. 7, communication I/F 820 can comprise known barcode reader alternatively.
In the present invention, radio communication I/F 820 supports the digital data packets exchange between WCD120 and the POT terminal 115, and can realize this exchange according to the example standard of short-distance wireless communication (such as " bluetooth " and/or Infrared Data Association's (IrDA) standard or any other suitable specification) like this, as long as small-sized communication I/F 820 can be according to the needs of standard.Bluetooth is radio frequency (RF) standard of the short distance point-to-multipoint data transmission of suggestion.The bluetooth radio link that works in the industrial science of 2.4 kilo-mega cycles per seconds and medicine (ISM) frequency band has the nominal communication range between 10 centimetres to 10 meters.Yet this nominal range can expand to 100 meters by the transmitted power that increases bluetooth transmitter among the communication I/F.The IrDA standard provides uses short distance infrared radio link to carry out wireless data exchange.In addition, the common distance between WCD120 during the e business transaction and POT terminal 115 is ten meters or still less, unless use the transmitter of spreading range in each equipment.
WCD120 also comprises wireless communication I/F 822.As mentioned above, network service I/F 822 correspondences are about Fig. 1 " second interface " mentioned, and the switched wireless of the digital data packets between support WCD120 and the network access equipment 145.Wireless communication I/F 822 has added similar in appearance to the radio receiving-transmitting unit of the type that is used for the cellular telephone apparatus between cell phone and telepoint base station and microcontroller.In preferred embodiment, network service I/F 822 employing code division multiple accesses (CDMA) communication protocol and network access equipment 145 communicate.
It should be understood that POT terminal 115 comprises the wireless I/F with wireless I/F 820 compatibilities of WCD120.POT terminal 115 also comprises enough master controls and carries out server and use 345 processor and storer.
Although more than described different embodiments of the invention, it should be understood that they only are expressed as example rather than restriction.Width of the present invention like this and scope just should not only limit to any above-described example embodiment and arrangement, and should only limit according to following claims and their equivalence.

Claims (22)

1. between Wireless Telecom Equipment and point-of-transaction (POT) terminal, realize wireless E-commerce (e commercial affairs) transaction method for one kind, comprising:
(a) unique identifying information is combined with Wireless Telecom Equipment;
(b) wireless transmission the one e business transaction data between Wireless Telecom Equipment and POT terminal; And
(c) from Wireless Telecom Equipment the one e business transaction data and the 2nd e business transaction data wireless that produces as the function of unique identifying information are sent to the service provider.
2. by the described method of claim 1, it is characterized in that the service provider supports service to offer the user, but this user has the electronics link service provider and away from user's asset account of Wireless Telecom Equipment and POT terminal, further comprises to the e commercial affairs:
Between user's asset account and POT terminal, realize the transfer of assets by e business transaction data, the 2nd e business transaction data and Wireless Telecom Equipment; And
In asset account, increase and reduce the transfer of assets with assets in the reflection e business transaction.
3. by the described method of claim 2, it is characterized in that user's asset account is user's bank account, further comprises:
The money-capital amount from the bank account electron transfer to the POT terminal; And
The money-capital amount is defined as by the function of Wireless Telecom Equipment input with the e business transaction data and the transaction steering order of control transaction.
4. by the described method of claim 1, it is characterized in that step (b) comprising:
Request message is sent to the POT terminal from Wireless Telecom Equipment, from POT terminal request Transaction Information.
At the response message of Wireless Telecom Equipment place reception from the POT terminal, response message comprises the Transaction Information from the POT terminal request.
5. by the described method of claim 4, it is characterized in that step (b) further comprises according to one in blue-teeth data host-host protocol, IrDA Data Transport Protocol and the dedicated data transmission agreement to send e business transaction data by the short-distance wireless communication link.
6. by the described method of claim 1, further comprise
In response to reception, between Wireless Telecom Equipment and service provider, set up wireless network links in Wireless Telecom Equipment the one e business transaction data; And
Use sends the 2nd e business transaction data with the packet data protocol of internet packet data protocol-compliant by wireless network links.
7. by the described method of claim 1, it is characterized in that unique identifying information comprises at least one in individual subscriber identifier, mobile subscriber number and the Electronic Serial Number, and wherein step (c) is included in Wireless Telecom Equipment and uses unique identifying information that e business transaction data are encrypted to produce the 2nd e business transaction data.
8. by the described method of claim 1, further comprise
The information that shows relevant first transaction data at Wireless Telecom Equipment; And
By the Wireless Telecom Equipment input instruction to start and control e business transaction.
9. system that realizes wireless E-commerce (e commercial affairs) transaction comprises:
Wireless Telecom Equipment with unique identifying information;
Local wireless interface in described Wireless Telecom Equipment, it communicates in point-of-transaction (POT) terminal and wave point;
The device of transmission the one e business transaction data between wave point; And
From Wireless Telecom Equipment e business transaction data and the device that sends to the service provider as the 2nd e business transaction data that the function of unique identifying information produces.
10. by the described system of claim 9, further be included in the support computing machine at service provider place, it supports the e commercial affairs service to offer the user, this user has electronics and can insert and support computing machine and away from user's asset account of Wireless Telecom Equipment and POT terminal, wherein transfer assets by e business transaction data, the 2nd e business transaction data and Wireless Telecom Equipment between user's asset account and POT terminal, supporting computing machine to be included in increases and reduces the device of assets with the transfer of assets in the reflection e business transaction in the asset account.
11., further comprise by the described system of claim 10
The device of money-capital amount from subscriber's bank account electron transfer to the POT terminal; And
Be used for the device of determining the money-capital amount that is transferred with e business transaction data of control transaction and transaction steering order by Wireless Telecom Equipment input.
12., it is characterized in that the device of described transmission the one e business transaction comprises by the described system of claim 9:
Device in Wireless Telecom Equipment, it sends to the POT terminal to request message from Wireless Telecom Equipment, from POT terminal request Transaction Information.
Device in Wireless Telecom Equipment, it receives from the POT terminal and comprises from the response message of the Transaction Information of POT terminal request.
13., it is characterized in that described wave point comprises the device that sends e business transaction data by the short-distance wireless communication link according in blue-teeth data host-host protocol, IrDA Data Transport Protocol and the dedicated data transmission agreement by the described system of claim 12.
14., it is characterized in that Wireless Telecom Equipment further comprises by the described system of claim 9
In response to reception, set up the device of wireless network links with the service provider in the e business transaction data at Wireless Telecom Equipment place; And
Use the device that sends the 2nd e business transaction data with the packet data protocol of internet packet data protocol-compliant by wireless network links.
15. by the described system of claim 9, it is characterized in that further comprising e business transaction data encrypted function as personal identity number to produce the device of the 2nd e business transaction data that wherein unique identifying information comprises the individual subscriber identifier, mobile subscriber number of Wireless Telecom Equipment and at least one in the Electronic Serial Number.
16., it is characterized in that Wireless Telecom Equipment further comprises by the described system of claim 9
Be used to show device about the information of first transaction data; And
Be used for input instruction to start and to control the device of e business transaction.
17. a system that realizes wireless E-commerce (e commercial affairs) transaction comprises:
At the e at service provider place commercial affairs support computing machine, be used for supporting service to offer to the e commercial affairs and have at least one user that electronics can insert user's asset account of e commercial affairs support computing machine;
Point-of-transaction (POT) terminal with wave point;
Wireless Telecom Equipment, it has
Unique identifying information, and comprise
The wave point of communicating by letter with first wave point of POT terminal,
The device of transmission the one e business transaction data between Wireless Telecom Equipment and POT port wave point; And
Be used for supporting to send between the computing machine e business transaction data and the device of the 2nd e business transaction data that produce as the function of unique identifying information in Wireless Telecom Equipment and e commercial affairs.
18. by the described system of claim 17, it is characterized in that user's asset account is away from Wireless Telecom Equipment and POT terminal, and wherein transfer assets by e business transaction data, the 2nd e business transaction data and Wireless Telecom Equipment between user's asset account and POT terminal, the e commercial affairs support computing machine to be included in increases and reduces the device of assets with the transfer of assets in the reflection e business transaction in the asset account.
19., it is characterized in that the described device that sends an e business transaction in Wireless Telecom Equipment comprises by the described system of claim 17
Request message is sent to the POT terminal from Wireless Telecom Equipment, from POT terminal request Transaction Information, and
Device in Wireless Telecom Equipment is used for comprising from the response message of the Transaction Information of POT terminal request from the reception of POT terminal, and wherein
Described POT terminal comprises the device that receives request message and is used to format and send the device of response message.
20. by the described system of claim 17, it is characterized in that Wireless Telecom Equipment and e commercial affairs support computing machine further to comprise e business transaction data are encrypted function as unique identifier to produce the device of the 2nd e business transaction data, wherein unique identifying information comprises the individual subscriber identifier, mobile subscriber number of Wireless Telecom Equipment and at least one in the Electronic Serial Number.
21. computer program, comprise the computing machine available media, it has the computer readable program code device of implementing in described media, it carries out application program on the computer processor in Wireless Telecom Equipment, point-of-transaction (POT) terminal and ecommerce (e commercial affairs) the support computing machine at the service provider place, to realize the e business transaction, described readable medium code device comprises:
The first computer readable program code device, it makes processor be associated unique identifying information with Wireless Telecom Equipment;
The second computer readable program code device, it makes processor wireless transmission the one e business transaction data between Wireless Telecom Equipment and POT terminal; And
The 3rd computer readable program code device, it make processor from Wireless Telecom Equipment e business transaction data and send to the e commercial affairs as the 2nd e business transaction data wireless that the function of unique identifying information produces and support computing machine.
22. by the described computer program of claim 21, it is characterized in that second program code devices comprises makes processor encrypt function as personal identity number to produce the 2nd e business transaction data computing machine readable medium code device to e business transaction data, and wherein unique identifying information comprises the individual subscriber identifier, mobile subscriber number of Wireless Telecom Equipment and at least one in the Electronic Serial Number.
CN01810007A 2000-03-22 2001-03-21 Method and system for wireless electronic commerce using portable, wireless communication device having unique identifying information Pending CN1430760A (en)

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