Classifications

• • 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]

Definitions

• the present invention pertains to a system for debiting and crediting transactions between two active cards with resident accounts, inserted in each one telephone connected to a telephone network, which telephones possess conventional known telecommunications technology.
• the Swindon project illustrates some possibilities, yet it is limited to local conditions in both technical and market scope in that it is not adaptable to personal mobility and the global market place. Individuals want to move globally without hindrance and they want to have momentary access to the same system for buying, selling, registe ⁇ ring and updating their economical transactions without the delay of waiting for account statements before making a transaction. Creditors can also effectively realize better cash management by this kind of immediate account updating.
• the object of the present invention is to solve the problems mentioned above in a general and mobile manner so as to give the user security, accessibility and speediness when economical transactions are made anywhere in the world - MOBIPAY ® , GLOBALPAY ® , UNIPAY ® services for payment transactions.
• Telephones according to the present invention comprise means for debiting and crediting a card inserted in a telephone, said means having a common data protocol for communication between the means comprised in telephones.
• the telephones further comprising each one reader-module with a slot for active cards. Further comprising a first interface for authorized communication between said means and a card inserted in the telephone and a second interface for authorized communication between said means and a card inserted in another telephone.
• a crediting transaction between the cards is prompted and initialized through a personal identity code and a call set up from the telephone belonging to a debtor prompt ⁇ ing the debtor to dial a telephone number and making a call set up to the telephone be- longing to a creditor.
• the means in the telephone, belonging to the creditor possibly prompting the creditor of the transaction sequences taking place.
• a second interface also interfaces a telephone for call set up to a computer system handling accounts allotted to a card.
• a card is only credited from a telephone that is not the bearer of a card to be credited or from a computer system at a creditors location handling accounts allotted to the card by a call set up from the computer system.
• Said computer system matches the account belonging to a card with the amount of payment credited or debited upon a call set up through said means in the telephone or from a call set up from the computer system.
• the means may automatically set up a call to said computer system when a transaction is completed.
• the computer system sets up a call to the telephone when the account is debited or credited in order to match the account with the account resident on the card.
• a card may upon insertion in the slot activate a call set up to the computer system in order to match the account resident on the card with the account handled by the computer system.
• a duplicate to an original account in the computer system at the creditor is available and correlated with the original account.
• the telephone network is a mobile telephone network and the telephones are mobile stations connected to the network.
• the telephone network comprises a infrastructure of known telecommunications networks, where telephones can be of all kind of types, wireless or connected through wires to said networks.
• the active card can be a SIM-module of card type or smaller format in one embodiment. Also, in another embodiment the active card can be a combined credit/bank card and a SIM-module.
• the mobile station is fitted with a extra card reader module for active cards in one embodiment.
• the extra card reader-module connects to a telephone I/O-port and said means through an interface.
• Telephone I/O port(s) through said means are used as an interface with external systems for payment transactions in one embodiment.
• An external system may be of the type digital cashregister and transactions system, or that the external system is a bulletin board system for economic transactions.
• a scanner may be connected to a telephone via its I/O-port(s) to said means with its interface so that sums read via the scanner are debited to the account resident on a card.
• Telephones taking part in a transactions receive receipts of the transactions in one embodiment through an SMS, e-mail or facsimile which are initialized from either tele ⁇ phones or from the creditor computer system.
• Fig. 1 schematically illustrates a SIM-module in the form of an active card
• Fig. 2 schematically illustrates a mobile station in a system according to an embodiment of the invention in a front elevational view and a side elevational view
• Fig. 3 illustrates a general GSM-system with two mobile stations and connections to other known telecommunications systems.
• the present invention is based upon the memory units found in a mobile station (for example a cellular telephone), the memory unit in an active card (smart card), the memory unit in an active card in the form of a SIM-module (Subscriber Identity Module), and the memory unit in a smaller SIM-module ( so-called "plug-in "-module).
• SIM-module Subscriber Identity Module
• plug-in so-called "plug-in "-module.
• the smaller module is issued by the telecommunications operator as a module in the format of a credit card, whereby the plug-in unit is broken free from the larger plastic card while at the same time being inserted into the relevant slot in the mobile station.
• the present invention pertains to a combination card wherein SIM- module functionality, like that of the conventional SIM-module, is found, as well as that of the functionality of the active part of a credit/bank - smart card.
• SIM- module functionality like that of the conventional SIM-module
• a credit/bank card administrator for example VISA ® , American Express ® etc.
• an extra card reader-module may be necessary. It can either be connected internally, integrated in the mobile station or externally, for example with a cable connection via a station in and out port(s) (I/O).
• the overall object of the invention is constituted by the use of active memory units (or other memory units), whereby active cards via means for debiting and crediting through a first interface in a mobile station card resident account, is updated with available means of payment as well as that the account is almost simultaneously adjusted and updated in regards to available means of payment, whereby economic transactions occur on-line between, for example a customer bank accounts, or between a debtor or purchasers and a creditors or vendors on card or memory resident accounts.
• active memory units or other memory units
• the term "account” is broadly defined. That is to say not only in the form of a bank account, but as an expression for any stored means of payment available for economic transactions.
• An example of what should be regarded as an account according to the present invention pertains to BBS-systems (Bulletin Board System - existing in the Internet, among other systems) for the payment of economic transactions.
• the mobile station means for debiting and crediting an account ties together the mobile station and the account allotted to a mobile station in a account givers computer into a physical unit where transactions and balances are updated on-line in the account- holder mobile station resident account.
• SIM-module The following is a general description of a SIM-module and is functions.
• GSM Global System for Mobile Communication
• ETSI European Telecommunication Standards Institute
• GSM Global System for Mobile Communication
• SIM-module Subscriber Identity Module
• TMSI- International Mobile Subscriber Identity The Subscriber Identity Module
• IMSI is connected to a subscriber number (MSISDN- Mobile Station Integrated Services Digital Network Number).
• HLR Home Location Register
• MSC Mobile Services Switching Center
• Information about an activated MS-unit is temporarily stored in the VLR belonging to the service area where the MS-unit is located.
• the HLR that is relevant for the subscriber receives information about which identity is activated so that communica ⁇ tion connections and cost registration etc. can be carried out in the correct manner.
• the SIM-module can be arranged so that the selective activation, that is to say the choice of identity function in the SIM-module, can occur by using a keypad or the like on the MS-unit. Activation can then be achieved, for example by the keying in of a so-called PIN-code (Personal Identity Code).
• PIN-code Personal Identity Code
• Respective identities can thereby receive a special code. This brings about the possibility of furnishing a users PIN-code with a complemen ⁇ tary code element for the selection of the desired identity.
• an identity can be a service that the operator of mobile telephone communications system offers to its sub ⁇ scribers.
• a code element in conjunction with the PIN-code represents an embodiment together with said means for crediting and debiting for connection to an on-line account for debiting and crediting; for example via the keypad on the MS-unit or prompted via text messages and information on the display of the MS-unit.
• Fig 1 illustrates very schematically how a SLM-module as well as a credit/bank card, both active, are normally constituted. Notice especially the SLM-functions in GSM do not necessarily need to be integrated in a active card in the future, but can also be resident in a memory module integrated in a mobile station. Presently, however, it is thought to be expedient to use a plastic card for the purpose.
• a SLM-module is made of a plastic card 10, whereby the card contains also an active part 12, processor based with an internal memory.
• the active part 12 can be broken off from the card 10 constituting the SIM-module in the form of a plug-in unit in smaller format, which some models of MS-units require.
• the SIM-module can communica ⁇ te with the MS-unit in a manner known by those skilled in the art of this technology pertaining to processor based technology calling for the use of peripherals.
• the SIM-module is combined with a credit bank card, for example VISA ® , by which the MS-unit does not need to be provided with an extra slot (for the card) for the debiting and crediting of credit/bank card transac ⁇ tions.
• a credit bank card for example VISA ®
• VISA ® a credit bank card
• the MS-unit does not need to be provided with an extra slot (for the card) for the debiting and crediting of credit/bank card transac ⁇ tions.
• the MS-unit has in itself a credit/bank card function, should the account giver supply the account holder with a MS-unit.
• the MS-unit so to speak, takes the form of an active card as well as possessing the usual functions found in a MS-unit. That kind of procedure would enable the SLM-module to retain its current functions.
• Such arrangements naturally, must be combined with satisfactory access control - preferably by program software.
• Fig. 2 schematically illustrates a mobile station according to one of the embodi- ments of the invention - side and front views.
• the MS-unit 20 shown here has the further function of debiting and crediting between credit bank card transactions and/or SIM-module 10 (smart card) visa vi the respective account.
• the MS-unit is comprised of a display 22, some form of keypad 24 (touch model, wri ⁇ ngpad, pressure tangents etc.) and an antenna.
• the MS-unit contains integrated electronic components (not shown) for use in a mobile telephone system.
• the card 10 is shown as being somewhat outwardly protruding for easier viewing.
• FIG. 2 shows how a card reader with slot 28 has been attached to the back side of the MS-unit 20 with a credit bank card 25 inserted into the slot 28, at the same time the SIM-module 10 is inserted in its own slot. It is also possible to integrate the card reader 28 directly in the MS-unit. Yet for those subscribers wanting to have a mobile station as an attachment, according to the invention, the method shown in fig. 2 with an extra card reader 28 may be preferred.
• the card reader 28 is connected to the MS-unit 20 via the units I/O port 29 with, for example, a cable 27 or other connective device. Hence, communication between them is brought about in a known way for processor based units and their peripherals.
• a hand held scanner can also be connected to the I/O-port 29 (not shown), by which receipts, invoices etc. may be scanned for direct account crediting - debiting controlled by the means for debiting and crediting in the MS-unit 20.
• Fig. 3 illustrates a general GSM system with two mobile stations 20, 21 connected to an account 32 via a account givers computer 31 handling accounts allotted to cards or internal memory units in a mobile station and an exchange unit 30 or modem pool according to the present invention.
• FIG. 3 a conventional telephone 40 with a card reader 28 and a card is illustrated.
• debiting and crediting transactions between cards in a conventional telephone and a mobile station 20, 21 may take place.
• the account givers transmit a facsimile, an e-mail etc. or a SMS message (SMS, Short Messages Services) through the SMS C to the MS units involved in the transaction, either to both parties MS units involved in the transaction (buyer, seller) or to the one party (the registered account holder) involved.
• SMS Short Messages Services
• SMS C Short Messages Services center
• An SMS C is a function in a mobile telephone network that receives SMS messages and dispatches or distributes and routes them to the addressed mobile station in the network.
• the receipt is transmitted to a MS unit through an SMS message the receipt is stored in a list for account transactions in the MS unit which the owner of the MS unit can access when ever called upon.
• a bank or another creditor can establish a connection to a specific MS unit prompting the owner of the MS unit to insert his credit card, if not inserted, in order to download or debit currency on the credit card, through dedicated softwarecomprised in the means for debiting and crediting in the MS unit, when an account transaction is estab ⁇ lished without the instant knowledge of the account holder.
• a buyer or purchaser and a seller or vendor subscribing to the services conferred by the present invention both can insert their credit card in their MS units, respectively, in order to make an account transaction between their card resident accounts, each receiving their receipt through e- mail, facsimile or by an SMS message when the transaction is completed, at the actual site where the transaction is taking place.
• a general GSM system is comprised of a BSS system 34 (Base Station System), which contains a BST (Base Station Transceiver), that communicates with the MS unit 20 in full duplex via TDMA technology (Time Division Multiple Access).
• the BTS is connected to a BSC (Base Station Controller) which, in turn, is connected to an exchange system 36 (Switching System).
• An MSC unit is found in the exchange system, giving overall traffic- control internally in the GSM-system and externally with other networks.
• the MSC-unit contains two databases HLR and VLR mentioned earlier.
• An AUC-unit authentication Center
• the exchange system 36 contains an EIR- unit (Equipment Identity Register), which controls access pertaining to equipment connection, for example the MS-unit 20. Hence, unauthorized equipment access is controlled and blocked.
• EIR- unit Equipment Identity Register
• the exchange system 36 is also connected to other external telecommunications networks via the MSC-unit or a special GMSC-unit (Gateway-MSC, not shown).
• Any MSC can make up a GMSC if it contains a so-called Gateway function.
• gateways are used for making connections to telecommunication systems operated foreign operators.
• PSTN Public Switched Telephone Network
• the figure show other networks to which a MS-unit can be connected - ISDN (Integrated Services Digital Network), PSPDN (Packet Switched Telephone Network, CSPDN (Circuit Switched Public Data Network), PLMN (Public Land Mobile Network) and many future networks. Those networks mentioned are all well known within the field of technology.
• ISDN Integrated Services Digital Network
• PSPDN Packet Switched Telephone Network
• CSPDN Circuit Switched Public Data Network
• PLMN Public Land Mobile Network
• a subscriber, with a mobile station 20, 21 is connected to the account administrator or creditor business exchange 30, or modem pool, whereby making, after access control, economic transactions such as debiting and crediting to accounts 32, between other accounts 32 and copying the accounts in any of the memory units contained in the MS-unit 20 or in any active card.
• a duplicate account 38 can be used; that is to say an account which the creditor opens for direct transactions and which on a regular basis is correlated with the original account 32.
• Access to the accounts via the MS-unit 20 in the mobile telephone network 34, 36 occurs according to an embodiment as discussed above, namely that to an identity (here the service of reaching a specific account via a mobile telecommunications network) a special code can be devised.
• an identity here the service of reaching a specific account via a mobile telecommunications network
• a special code can be devised.
• a code element is given, for example, that it is a mobile station, 20, 21 wishing to be connected to one or more accounts 32, via in the code element declared subscriber number, hence, the connection is generated in the usual manner. Yet preferably via the access controls offered by the account giver.
• the MS units 20, 21 comprise means for debiting and crediting a card inserted in a MS unit, said means having a common data protocol for communication between the means comprised in telephones.
• the means (not shown) are memory units controlled by a processor through a dedicated program comprising strong authorization measures.
• a personal identity code (PIN code) connected to a specific account is used for initializing debiting and crediting transactions from the MS unit to the card and from MS units to a account givers computer system 31 or from account givers computer systems 31 to MS units in order to match or update card resident accounts with allotted accounts in computer systems 31.
• PIN code personal identity code
• Means for crediting and debiting do have one first interface connecting it to a card and a second interface connecting a MS unit 20 to extemal units, such as another MS unit 21, a scanner (not shown), to a account givers computer system 31 etc.
• Each MS unit further comprises each one reader-module (card reader) with a slot for active cards.
• a crediting transaction between the cards is initialized through entering a personal account code and a call set up from the telephone belonging to a debtor 20 (purchaser) prompting the debtor to dial a subscriber number and making a call set up to the telephone belonging to a creditor 21 (vendor).
• the means for debiting or crediting prompts the debtor by instructions in sequence to credit the card 25 to be credited with the same amount of payment through said means as was debited from the card 33 to be debited through said means.
• the means in the telephone, belonging to the creditor 25, may prompt the creditor of the transaction sequences taking place.
• the prompting is accomplished through a menu comprised in a telephone 40 or a MS unit 20, 21, whereby the menu instructs a debtor through a display 22.
• a menu comprised in a telephone 40 or a MS unit 20, 21, whereby the menu instructs a debtor through a display 22.
• Payment transaction menu is chosen from the MS unit table of menus; Enter the personal identity code or account code to get access to the relevant account in the smart card through the means for crediting or debiting said account;
• Dial the subscriber number to the creditor.
• said means transmits the amount of payment and the recipient account number to the creditors means for debiting or crediting.
• the creditor MS unit recognizes data transmission and the relevant account resident in the card is automatically credited with the corresponding amount of payment from the debtor by the MS unit means for debiting or crediting.
• a receipt of the transac ⁇ tion is stored in a receipt list.
• a copy of the receipt is transmitted to the debtors MS unit as an SMS, see above.
• the MS unit 20, 21 of both parties to the transaction are now automatically, through the means for debiting or crediting, connected to the relevant account givers computer system 31 in order to match and update the transaction visa vi the original account.
• the owner or bearer of a MS unit 20 with an inserted card 33 only may debit his card 33 from his unit 20 and that his card 33 may only be credited from extemal units, such as MS unit 21, computer system 31, telephone 40 etc. controlled by the means for debiting and crediting comprised in telephones 40 and MS units 20, 21.
• extemal units such as MS unit 21, computer system 31, telephone 40 etc. controlled by the means for debiting and crediting comprised in telephones 40 and MS units 20, 21.
• a second interface also interfaces a MS unit for call set up to a computer system handling accounts allotted to a card.
• Said computer system 31 matches the account belonging to a card with the amount of payment credited or debited upon a call set up through said means in the MS unit 20, 21 or from a call set up from the computer system.
• the means may automatically or intermittently set up a call to a computer system
• the computer system 31 sets up a call to a MS unit 20, 21 when the account resident in the computer system 31 is debited or credited, from or with other means then from a MS unit 20, 21, for example from a cheque or cash deposit etc., in order to match the account with the account resident on the card 25, 33.
• a card 25, 33 may upon insertion in the slot activate a call set up to the computer system in order to match the account resident on the card with the account handled by the computer system. This could for example be called upon when the card is used as a conventional pay card in a shop.
• a duplicate 38 to an original account 32 in the computer system at the creditor is available and correlated with the original account.
• the telephone network comprises a infrastructure of known telecommunications networks 36, ISDN, PSPDN, CSPDN, PSTN, PLMN, etc., where telephones can be of all kind of types, wireless or connected through wires to said networks.
• Active cards 25, 33 can be a SIM-module of card type or smaller format in one embodiment. Also, in another embodiment the active card can be a combined credit/bank card and a SIM-module.
• mobile stations are fitted with an extra card reader module 28 for active cards in one embodiment.
• the extra card reader-module connects to a MS unit I/O-port and said means through an interface.
• MS unit I/O port(s) through said means are used as an interface with extemal systems for payment transactions in one embodiment.
• An extemal system may be of the type digital cashregister and transactions system, or that the extemal system is a bulletin board system for economic transactions.
• a scanner may be connected to a MS unit via its I/O-port(s) to said means with its interface so that sums read via the scanner are debited to the account resident on a card.
• MS units or other telephones taking part in a transactions receive receipts of the transactions in one embodiment through an SMS via a telephone display device, e-mail or facsimile which are initialized from either telephones or from the creditor computer system.
• the means resident in each telephone or MS unit for taking care of account transactions should be governed by suitable software with high security levels for debiting and crediting.
• suitable software could be used, thus no description of the specific software in use is described herein, and software as such is not patentable according to most domestic patent laws.
• the above description describes only a few embodiments of the present invention and, therefore, the invention is not limited to these, but they should be seen as exemplifi ⁇ cation in order that persons skilled in the art of this technology may grasp and use the invention. Consequently, the wording of attached claims allow for still further embodi ⁇ ments of the invention.

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• Business, Economics & Management (AREA)
• Engineering & Computer Science (AREA)
• Accounting & Taxation (AREA)
• Strategic Management (AREA)
• Physics & Mathematics (AREA)
• General Business, Economics & Management (AREA)
• General Physics & Mathematics (AREA)
• Theoretical Computer Science (AREA)
• Computer Networks & Wireless Communication (AREA)
• Telephonic Communication Services (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

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• 1995
  • 1995-07-14 SE SE9502607A patent/SE9502607D0/xx unknown
• 1996
  • 1996-07-12 EP EP96924234A patent/EP0873660A1/de not_active Withdrawn
  • 1996-07-12 AU AU64743/96A patent/AU6474396A/en not_active Abandoned
  • 1996-07-12 WO PCT/SE1996/000950 patent/WO1997004609A1/en not_active Application Discontinuation

Non-Patent Citations (1)

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