FI108263B - Mobile payment method and equipment - Google Patents

Abstract

The tele-payment system includes a mobile payment unit (10) which is included in the mobile telephone (1,6), into which a mobile telephone subscriber enters the bill payment information and the payee's account number, in order to pay the bills. After dialling of the telephone number to the computing station (2), which is based in the bank (3), the payment information is sent to the computing station (2) via a mobile telecommunications network (4). In the computing station (2) the calling party's identity will be checked and then the payment will be transferred from the calling party's bank account to the payee's account, and then both the calling party and the payee will be informed about the relevant payment.

Description

'108263

FIELD OF THE INVENTION The present invention relates to a system according to the preamble of claims 1 and 6 for making payments / bills of users quickly (especially for services received from the service industry), and for sending and receiving information. The present invention also relates to a method according to the preamble of claim 11 for sending, receiving and processing invoices / payments and other required information. Other advantages and features of the invention will be illustrated by the following examples, with reference to the accompanying drawings, which, however, are not intended to be limiting.

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Figure 1 illustrates by way of example the main components of the system, the mobile stations / terminals.

Figures 2 and 3 illustrate a communication diagram of a method according to the invention and payment messages exchanged between a mobile station, a base station / terminals of a computing station.

Figure 4 illustrates information and selection / activation of the monitored service sector, service provider / payee, and payment sending and execution transactions as well as payment messages between the mobile station and the computing station and other terminal indicated by a menu / display of a mobile station (such as a mobile phone).

Figure 5 illustrates some embodiments of the invention, such as automated devices using terminal devices (1,2) for receiving / transmitting payment messages and service provider information.

Figure 6 shows a mobile station (mobile phone) displaying a payee name, account number / contact information, and a transaction amount / invoice payable sent by the payee / payer's access point / terminal or counting station.

So-called "voice-frequency" based keypad phones are known. telephone banking services. If the caller is using a mobile phone, he or she will sometimes have to listen to the instructions with 25 ears, then transfer the phone for keying and then ear to listen to the instructions, etc. In the prior art, the bank calls and then answers the bank's computer questions during the call from the user's device to the accounting station, but using the service is a continuous dialogue (dialogue) between the user and the bank's computer. Also, when used with microcomputers, the telephone 30 must be a type of pulse or tone dialer that calls the bank and opens a program on the bank's computer which questions are answered during the established call. The user always has to call the bank, so the phone line is always open at the time of paying the bill. Also known in the art as · · * is the use of a PIN in cellular networks to identify a user for telephone services. The present invention also discloses a different method of using a payment code (P-35 PIN), that is, using a separate payment code to identify a user on mobile phones and online for making payments / invoices, making the mobile phone a personal and secure ATM.

This invention, as defined in the characterizing part of the appended claims, provides a place-based, fast and fully reliable payment method. The invention is characterized in that, as computing weapons, the base stations / terminals (2, I) (hereinafter "mobile station / terminal", which may be any terminal such as cellular mobile and land mobile station, cordless telephone, paging device, microcomputer, network computer and the like) which acts as a mobile station / transceiver in wireless networks such as GSM and 5 and in wireless networks such as DECT etc. and can be a fixed / portable terminal in both wireless / iodine and fixed networks) transmits the necessary information such as the name of the recipient, e.g. , account numbers, contact information, IDs, etc., and invoice of goods / goods being traded, prices or transaction amounts, by radio for payer's mobile stations (1), signaling channels, general radio channels (eg broadcasting channels, 10 paging communications, etc.) or other transmitting that the transmission of information by the recipient, e.g., the service providers, is in principle independent of whether or not the user contacts the service provider, that is, whether or not the mobile stations / terminals are connected to the (radio) transmission. The data transmission of the recipient e.g. service providers is directed to all desired payer mobile stations, e.g. such that the transmission is directed to all payer mobile stations located in the field of the recipient base station 15 or terminal, so that any mobile station can receive it if so. the mobile station is in the field area of the base station / terminal (3.2) and is in standby mode. This means that the information of the recipient / service providers is always available as needed within the coverage area of the base stations / terminals (3, 2) and the radio interface. For example, the payee's terminal can send its account number / contact information and the amount / invoice to be paid continuously, or 20 as needed (e.g. when the payer's / payee's terminals are in payment mode and can send / receive the necessary information). A plurality of mobile stations, or just the desired mobile station, can receive recipient and billing information, depending on how the transmission is arranged. This invention is also characterized in that, if the base stations / terminals (2, 3) do not send the information of the service providers, the terminal (1) or its user can request the network to send the information of the payees, eg subscribers, bills, charges, billing etc. that the service provider / recipient's own access point / terminal can send names and account information over the air to the payer's mobile stations. When the user selects and activates the "service area" from the menu (i.e. Menu) of his mobile station, the mobile station listens to and collects messages sent by the base stations / terminals and then monitors the service provider information on the mobile display / menu. For example, when a user is in a SAS hotel, he / she selects / activates 30 "SAS hotel" from the screen (menu) of his mobile station. In this case, the mobile station monitors the short message "SAS hotel. Amount mk:" after which the user enters an amount (e.g. 200 mk) and sends it to the calculating station. However, the store name and account information can also be pre-stored in the memory of the mobile device or its SIM card so that the access points do not have to send them over the radio, but the user has to take care of data changes and updates - big problem especially when there are hundreds / thousands of service providers . At the calculation station, the payment is made according to the currency of the payment (eg Finnish markka, English pound, etc.) and then a short message (eg a short message) is sent to both the payee and the payer as proof of payment. The hotel cash register can then print the receipt to the customer. For example, if a Finn is in a SAS hotel in Sweden and wants to pay rent for his hotel room, he has 108263 Λ

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their mobile station listens to the information transmitted by the base stations and then monitors the short message "SAS hotel, Summa SKR:" (SKR: Swedish crown). In the calculating position, the currency type of the payment is taken into account and the amount is transferred from the customer's account to the hotel account at the current or daily rate. The invoicing station can also send information about the payer, eg name, account number 5 and telephone number, according to the invoice acknowledgment. In this way, the receipt given to the hotel customer may show the customer's name and other information.

For example, the client terminal (1) may send the contact information of its user to the recipient's terminal, which will then send the bill to the payer. For example, if the service is a time-dependent service, either the terminal or the computing station may take into account the time used to make the payment. Each time a customer makes a purchase from a store offering a bonus on his mobile device, the bonuses are accumulated in either the store's 10 or the bank's customer database. According to the present invention, when a mobile user wishes to pay for his purchases, he selects, for example, the "Payments" command, etc. from the mobile phone menu, after which he can key in his payment code, or P-PIN (Personal Payment Identity Number). ready to pay and receive payment. If the mobile (cell phone) or its SIM card is stolen, there will be no problem with its owner's account or card 15 because Ρ-ΡΓΝ is in the owner's possession and cannot be used by the thief. mobile in the same way as debit or credit cards. Once a payment code (P-PIN) is entered / entered into the mobile station, the mobile station becomes a means of payment so that the user has access to his account and the mobile station can monitor messages sent by existing payees (service providers) to the mobile menu / display. payments / invoices. Alternatively, when the payment code (P-PIN) is entered into the mobile station, the mobile station registers with the mobile payment system. During the registration process, the information on the user's SIM card is compared with the subscriber information in the computing station or in the HLR / AuC (Home Location Register) of the mobile network, which identifies the user. The mobile station (1) then listens to 25 base stations / terminals (3, 2) and collects the service provider information into the mobile station menu / display. The user then selects the desired service provider from the menu / display of his mobile station. The cashier / terminal (2) of the service provider sends the trade amount / invoice to the customer's mobile station or the customer enters the necessary trade amount and other necessary information into his mobile station and sends it along with the received service provider account number / account information to the billing station 30 (4). In the accounting station (4) the transaction amount / invoice is transferred to the payee's account or the payer's account is debited according to the amount of the transaction for the benefit of the payee. Monitoring of payer / payee and service provider information can also be performed before activating a payment code (P-PIN) by entering the "service area" command.

* Once the payment code (i.e., user ID) is entered into the mobile station, the mobile station can monitor the billing request on its display, which the user can answer and then forward. For example, a billing request can be sent by a calculating station, base stations, or another terminal. For example, the transaction amount can be entered into the invoice query: i.e., the amount to be paid is keyed in (or otherwise indicated) before "amount:" unless the amount has been sent from the payee's (eg merchant's) access point / terminal (2). The payee information e.g. merchant account numbers can also be retrieved from the 4,108263 «network, or the computing station or network databases or base stations can send it to the payer's mobile station continuously or as required or at the request of the terminal (I, 2). According to the invention, the network / access points / terminals may send service provider information and payment information (e.g. bill / payment) continuously or as required. For example, when the user activates the service provider information, the mobile station (I) may request the network / computing station to send the necessary information, such as a billing template, which is monitored on the mobile station / terminal display. The invoice template contains instructions such as: sum :, etc. The user can fill in the invoice template as needed and send it to the calculating station for execution. The terminals (1, 2) can store in their memory all I0 payment messages received from the computing station or base stations.

In the present invention, if a mobile user needs cash, he / she does not need to go to a bank or ATM but to the nearest shop where he / she transfers the required amount of money to the merchant account / terminal and receives banknotes e.g. Merchants like banks can charge a small fee for this service. There are always 15 possible counterfeits of money in the case of banknotes, coins, etc., but if it is not used but is paid for using the user's mobile device / terminal, there is nothing to counterfeit.

As a result of this invention, a service provider, e.g. a restaurant waiter or hotel check-in staff, or a taxi driver / owner, etc. sends an invoice (i.e. billing / transaction amount and payee account number or other information needed for billing) from 20 own base stations / terminals e.g. or via text messaging (such as SMS, paging, etc.), utilizing the payer's terminal directly or via the network. The customer simply acknowledges it by pressing a single key, after which the invoice / payment is sent to a billing station, where the invoice / payment is made in real time or at the desired time, without the payer necessarily having to sign anything. Both the mobile station and the recipient, e.g., the store's own access point / terminal (2), can send the necessary information, e.g., the name of the store and the bird / account contact over the radio to the payers' mobile stations (1). When the user selects and activates e.g. a "service area" command from his mobile station menu (i.e. Menu), the mobile station (1) listens to messages sent by the payee's (e.g. retail) access point / mobile station (2) and then monitors them on the mobile display (e.g. Oy Ravintola AB) and account information). For example, when a user is in a SAS 30 hotel, he / she selects / activates "SAS hotel" from the screen or menu of his / her mobile station as mentioned above. In this case, the mobile station monitors the short message "SAS Hotel, payment FIM:" sent by the hotel master / reader, after which the user can enter the amount (eg FIM 200 unless the transaction sum / payment proposal is sent with the payee) and send the required payment to the payee's account . At the calculating station, the payment is made in the currency of the 35 payments (eg Finnish markka, UK pound, etc.) and then a message (eg a short message) is sent to both the payee and the payer as proof of payment. The hotel terminal can then print a receipt to the customer. For example, if a Finn is in a SAS hotel in Sweden and wants to pay the rent for his hotel room, his mobile station listens to the information transmitted by the base stations / hotel terminal or network and then monitors the short message 5 108263 "SAS Hotel, Sum SKR:". The customer can then select / activate from the display / menu of his / her mobile station (1) the information of the service provider (i.e. SAS hotel) and send the payment / invoice to the calculating station.

Another example is service providers. who have many cash registers. For example, when 5 customers (mobile users) want to pay for their H&M department store purchase, they select '' H&M department store '' and checkout number (where it is) on their mobile screen or enter the checkout number themselves and then pay the transaction amount invoice) and send it to the counting station. The checkout terminal (2) may also receive the connection and account number sent by the customer terminal (1), by which the invoice 10 is sent directly to the customer terminal or via the base stations or calculating station or sent to the calculating station for payment. The billing station notifies both the recipient and the answering machine of the payment.

In the present invention, information stored in a user's mobile device or its SIM card may serve as his or her identification medium, which information is stored in network databases and / or a computing station. 15 Other identification codes and codes may be used if necessary. According to the present invention, a Personal Payment Identity Number (P-PIN) Policy is added to the SIM card or mobile station for payment as mentioned above. The user enters the P-PIN into his mobile device to make purchases and pay his / her payments / invoices or transfer money from one card / account to another. In this case, the mobile station (1, 2) can either immediately become a means of payment without any separate registration in the 20 networks, or subscriber data for payment on the SIM card, and a comparison of subscriber data in network databases or computational stations and authentication. Once the P-PIN has been entered into the mobile station and / or the subscriber information is authenticated in the network databases (e.g. at a computing station or GSM AuC - Authentication Center), the user is then connected to his account so that he can make payments by his mobile station (1). payment from 25 own cards / accounts to the payee's account. After the purchase has been made, the user can remove his mobile device from the payment mode to the telephone service mode, i.e. the mobile station exits the P-PIN mode to the PIN mode but still remains on the cellular network so that he can receive and make calls.

When the billing station (4) receives an invoice / payment sent from the payer's mobile station (1), it (i.e. the billing station) identifies the payer either based on the payer's address e.g. telephone number etc. 30 (which is included with the message, i.e. or the user is already identified upon registration, usually a cellular phone can register to a cellular network (e.g. GSM Home Location Register) by transmitting its subscriber information (which is on the SIM card and is transmitted by a particular algorithm), in which case the mobile user authentication (i.e., the authentication process is performed), and communication 35 is encrypted .In this invention, the user can be identified, for example, in two different ways: I-The authentication process between the user and the SIM. card or heads device authentication process and does not require a network-to-user (SIM) authentication process again. In this case, when the user selects "Payments" 6 from the display / menu of the 10828263 terminal (1), he can enter his P-PIN into the terminal, whereby the terminal becomes a means of payment, i.e. the terminal or its SIM card is programmed. The terminal (I) of the "Payments" command monitors, for example, the following message "enter P-PIN:". When a user enters his P-PIN, it is compared with the P-PINs 5 pre-stored on the SIM card. If the user-entered P-PIN is correct, he / she can use his / her mobile device as a means of payment. The user's P-PIN can be changed by entering a new code in its place, for example, using the same technology as changing the PINs of mobile phones. The terminal (1, 2) or SIM card contains the necessary software to authenticate the P-PIN and to allow the user to pay or receive payments / invoices. The user's P-PINs are stored encrypted in the SIM memory and encryption algorithms are used for 10 encryptions. For example, if a user enters an incorrect P-PIN, for example 1 or 2 or 3 times, the payment part of his terminal (1) is automatically locked.

2- When the user (aka SIM) registers with the network. When the user selects and activates "Payments" from the display / menu of the mobile station, the mobile station monitors the following message "key in P-PIN" (or 15 key in payment code, etc.), whereupon the user must enter his payment code (P-PIN). The mobile station then transmits the subscriber data (i.e., code) on the SIM card to the billing station. At the counting station, the user is authenticated, for example, by the same technique (or other algorithm) as in the GSM network, i.e. the SIM card authentication process (i.e., authentication process) is performed by a special algorithm taking into account the subscriber data used for payment. In the identification process between the computing station and the mobile station, the mobile communication network (e.g., GSM) may in principle be transparent. However, the present invention does not exclude the possibility that the AuC (Authentication Center) of the GSM network will operate as part of a computing station to perform the authentication process for payment. In practice, this would mean that a mobile station (e.g. a mobile phone) is once registered to a GSM network and the authentication process 25 for telephone services has already been completed once the user has switched on his mobile phone and entered his PIN. But the authentication process for payment is executed (in AuC) only when the user selects / activates a "Payments" or "Service Industry" or similar command from his mobile menu and enters his P-PIN. This means that. that a SIM card may have two subscriber data, one for call service and one for teleshopping / payment, but neither one is mutually exclusive, that is, a mobile station can act as both a mobile phone and a means of payment with one (or two) subscriber data; does not leave the telephone network (eg GSM). For the purposes of this invention, customer / merchant account numbers (account information) may serve as their other subscriber numbers (telephone numbers) to which the payer may send their payments / invoices. Utilizing the P-PIN mechanism avoids all 35 abuses. Authentication codes and the system authentication process provide a highly secure payment system. However, if desired, only the PIN mode can also be used for the payment service.

In the present invention, the cash register terminal may also send the price of the item being traded (i.e., the transaction amount and the cash register number or other account reference numbers) to the mobile device such that 108263 e.g. after the cashier has typed in the cash amount at the cash register or e.g. , he may send ("Send") it, e.g., to a customer terminal (I) in the field of the cash desk / terminal, utilizing, e.g., signaling channels, general frequencies, common channels, etc., so all mobile stations (depending on their distance to cashier 5 or signaling) receive and monitor the transaction amount and invoice data sent by the cash register terminal (2). In this case, the payload of the checkout can be e.g. 2 meters (depending on the desired coverage area), so that only the customer (i.e. the mobile station) close to the checkout (i.e. the coverage area) can receive the transaction amount and invoice information sent by the checkout terminal. Alternatively, the cash desk can send the necessary information via the network or the base stations (2, 3). Then, at I0, the customer accepts the amount (invoice) by pressing one of the "send" keys of his mobile station, after which the invoice / payment is sent to the calculating station for transfer to the payee's account and notified to the customer and cashier terminals (1, 2). On the other hand, when the user of the mobile station (1) is in front of the checkout, that is, it is his turn to pay for his purchases, after selecting the service provider and the checkout number he can send (by pressing "send") etc.) to the cash register terminal / mobile station (2) either directly or via a computing station or network (3, 4). In this case, the cash register terminal reads from the message who is the sender of the message (e.g. numbering service; known in GSM). When the cashier presses the "Send" key, the transaction amount (invoice) is sent either to the accounting station or to the customer's mobile station based on its user number. The user can see the amount (or the entire bill) on the screen of his mobile station and by pressing the "send" button 20, he accepts and sends it to the calculating station, where the transaction amount is transferred to the cashier's account or the payer's account is debited. In any case, a message may be sent from the counting station to the cash terminal (2) and the mobile station (I) as proof of payment. Activating the "send / send" function always sends messages to the address whose number appears on the terminals (1, 2). For example, if the cash register number 25 sent by the terminal / base station (2) is a cash register contact, then the message will go to the cash terminal according to the cash register number, while the cashier sends the transaction amount (bill) to the customer's mobile station (I). the cash register terminal number, the access code, and when the customer again presses the "send" key, the message (i.e. the transaction amount, and the service provider / cash register information, invoice) goes to the counting station or cash register terminal. In this way, at the service desk, customer 30 does not need to do anything other than accept the transaction amount / invoice by pressing the cross key. If the billing station receives blank messages (which do not contain payment information), the payment will not be made if there is no invoice / payment in the message. This way, the computing station can only transfer an empty message to its intended recipient (if it is addressed to the recipient). However, an empty message indicates who the sender of the message is, as the message includes the sender's number / address. A blank message is, for example, a sign that the payer needs 35 invoices / payments to buy or use a particular service. When the user has received the required service / goods, he / she sends the payment / invoice (and, if necessary, the information of the service provider) to the accounting station. The billing station transfers the payment / invoice to the payee's or service provider's account and notifies the payment terminal to the user's terminal (I). For example, when a customer is in a store such as "H&V1 department store" and wants to pay at the checkout, he selects "I & V1 department store" and checkout 8 108263 (e.g., the numbers sent by checkout 3) on the screen of his mobile device. The cashier number may represent or include the cashier's account information, that is, the account number, to which the cashier's phone number / address and the trade information in the accounting position are also linked. When the billing station receives a payment message from the customer and transfers the payment to the cashier's account, it (i.e. the billing station) sends a message e.g. "Payment paid, FIM 250" as needed 5 to both the customer's mobile (1) and cashier (2) . The message to the mobile station (1) may also be accompanied by the account balance of the user. Messages to or from the checkout terminal can be received / sent both over the telephone line and through the mobile network or the store's own access point. In the present invention, as weapons of computation, one can receive or send payment messages directly, via radio, to the cash terminal / mobile station (2) and 10 payer mobile stations (1). The mobile station (1,2) can also send the invoice / payment directly to the payee's terminal (2) or via the base stations (2, 3) to the calculating station.

In this invention, service provider information such as shopping, bus, taxi, restaurant, hotel, R-kiosk, etc. (such as names, account numbers, telephone numbers, etc.) can be transmitted continuously from the service provider's access points / terminal or at the user's request or when required. For example, when the user 15 selects / activates "Service Area" from the menu of his mobile station, then the mobile station monitors information of all service providers (i.e. service providers located e.g. in the field of the recipient's base station / terminal (2) or elsewhere in the coverage of the mobile network / mobile payment system). The user then selects the desired information (eg Oy restaurant Ab). This name, "Oy Restaurant Ab", may include the code / contact information of the restaurant in question in coded form, or the account number / contact 20 may appear along with the name of the service provider. When the user enters the transaction amount (unless the transaction amount is sent from the payee / service provider terminal) and selects / activates "Oy restaurant Ab" from the display of his mobile station, the mobile station sends the payment / invoice to the calculating station.

It is already known in the cellular network that base stations can be both fixed and mobile (e.g., satellites or base stations on ships). Such mobile access points may also belong to 25 mobile service providers, such as a train, bus, taxi or shop on board. In this case, the base station / terminal installed on the train, bus or taxi, or handheld, can continuously or as needed transmit data such as taxi number and account information, bus number and account information, etc., using common radio channels on the network (e.g.). The mobile user can enter, for example, a tax payable or bus fare (unless the invoice / price is sent from a taxi or bus terminal) to his mobile 30 (1) and then select / activate the payee eg taxi name or account information on his mobile menu / display and a payment / invoice to a billing station where the payment is transferred to the payee's e.g. taxi account. On the other hand, as mentioned above, the service provider, e.g. a taxi or bus base station / mobile station (2), can continuously or whenever necessary send payment / billing information, e.g. ticket price or taxi accrued to a customer's mobile station (I). 35 In this example, the mobile station of a passenger in a taxi can receive sum information continuously or at a distance. When a passenger wishes to be absent, he transmits the amount shown on the screen of his mobile station (e.g., FIM 15 ()) to the counting station. At the counting station, the amount is transferred to the account of the taxi owner / driver. In the present invention, mobile access points can act as mobile devices, i.e., as a payee mobile (mobile wallet) with the difference that they can also send their owner information such as account numbers / contacts and names (which can be stored on the terminal (2) or its SIM card). memory) for the network, e.g., using universal channels (e.g., broadcasting channels) to other mobile stations, either directly or via base stations (2, 3). The payee's mobile station / terminal (2) can send the payee information to the payer's 5 mobile station (1) both directly (e.g. in a small field, e.g. 2mm-10m) and via base stations (3). Mobile stations (1,2) are the same devices but when the user is a payer, the mobile station receives the account numbers / contacts and the transaction amount / invoice (i.e. terminal 1) and when the user is the payee the mobile station transmits the account numbers / contacts and transaction amount / invoice (i.e. terminal 2) can work the other way around. For example, when the terminal (2) transmits its contact information to the terminal (1), the terminal (1) knows that it can send the necessary information (e.g., payments / invoices or other information) to the terminal (2), i.e. the terminal (2) transmitted from the terminal (1). In this way, the mobile stations according to the invention can receive / send data both directly from each other / to each other (and, if necessary, transmitted to the network) and via the network.

As another example, when a user boardes a bus and enters the coverage area of a bus base station / terminal (2), his mobile station (in "Service Area" and / or "Payments" mode) receives information sent by the bus base station / terminal e.g. 15mk) and the bus company account number / contact, after which the user can accept it and press the "send" button on his mobile phone to send it to the billing station where the payment is transferred to the bus company account or the payer's account is charged. On the other hand, the mobile network may have a database of bus schedules and flags. In this case, the user can send information about his / her route (e.g. Helsinki-Lauttasaari) to the relevant database and receive information about the price of the journey to his mobile station (1).

In the service industry today and in the future, automatic equipment will replace human labor. For example, coffee vending machines and the like do not need cash registers, so such machines act as a separate cashier for service providers. In the present invention, such cash registers will also operate in accordance with the method according to the invention, i.e. they will be provided with base stations / terminals according to the invention. transceivers which transmit the name, account number / contact information of the automated device (e.g., its owner; service provider) and the bill / payer to the mobile station (I). For example, when a customer steps in front of a machine or activates a specific machine function, the auto-coupling on the machine turns on the base station / terminal (2) on the machine to send its name, account 30 / contact and payment information to the customer's mobile station (1). However, the machine can send data continuously without the customer having to select any function. When the customer's mobile station (I) is in "Payments / Service Area" mode, it monitors the machine information (i.e., payee name, account information, and invoice) for the user. The customer can enter the price of the item to be purchased eg coffee (if not sent from the machine terminal, 2) to his mobile station and send the required payment (which also includes the machine 35 account information and invoice / payment) to the payee for transfer. The calculating station, if necessary, sends a message to the mobile station and the coffee machine base station / terminal (2) about the payment, whereby the coffee machine provides a mug of coffee to the customer. With this method, the customer does not have to worry about the exchange money or the service provider to transfer the coins.

Another example is automatic fueling machines (eg petrol stations of gas stations I0 1 08263). The base station / terminal (2) according to the invention installed in a gas station can continuously or, if necessary (e.g. in the presence of a customer at a gas station) send automata numbers and / or account numbers to mobile stations (I) in the base area. On the other hand, each dispenser (i.e. gas station refueling machine) may include a base station / mobile station (2) according to the invention.

5 who sends the machine number and account information to cars that stop for example. in front of the automat. The present invention can be applied to such dispensers by either paying the customer the required amount of fuel (e.g., 100mk) in advance, entering the amount into their mobile station and sending it to a computing station or when the mobile station registers in the service industry ) from the menu / display) 10 and send them to the calculating station, the calculating station identifies the gas station and checks the data and account sent by the mobile station (1) as needed, and sends a message to the gas station or gas station base station / terminal. After the customer has refueled (eg 80mk) in his car, the service station / petrol station base station / terminal (2) can send an invoice to a calculating station where the user account is charged to the petrol station / petrol station 15 (account) and sends a message to the mobile station (1) and the terminal of the gasoline dispenser (2) as proof of payment (which may include the amount, information on the number of liters purchased, the gas station identifier or address, etc.). On the other hand, the user can directly pay the bill payable on the mobile card in real time or after refueling. Such practices can also be applied to automated machines and services of other service providers, such as paid 20 copiers, etc. All (automated) devices that are connected / integrated or employing the method and media of the invention are embodiments of this invention which are protected by this patent.

Figure 5 shows that the service provider's base station / terminal (2) can be portable and act like a mobile station (1). In this case, the mobile station (2). which acts as a provider cashier sends the name and account information of 25 service providers (eg mobile SLM card holder) to other mobile devices (1) (ie payers / customers). The mobile station sends the service provider's name, account information (and the transaction amount / payment). when the function intended for it is activated. For example, when the "Payments" function of a payee mobile station is activated, the mobile station can send its user account information and the transaction amount / invoice. The name and account information of the service provider may be transmitted both via the mobile communication network (3) and directly to the payer mobile station (I) in the field area of the terminal (2). For example, the coverage area of the mobile station (2) for sending payee information and billing to the mobile station (I) may be 2 meters (or less) or larger, so mobile stations outside the coverage area cannot monitor this transmission (i.e., as people exchange money should be close to each other). In age 35, the term invoice refers to any invoice, e.g., user invoices or invoices for the services they use. Payment refers to a user card / card. money sent or received on the main toy / account (lelecash). In the present invention, the payee's name and account information may be transmitted to the payers' terminals (I), e.g., in the same way as telecommunication operators send their names to mobile phones, using universal channels, either via base stations n 108263 (3) or directly.

The method of the invention can be implemented in all types of mobile stations and mobile networks such as GSM, PCS, DCS, CDMA, DECT, PHS, etc., as well as in fixed networks such as the Internet and fixed / portable terminals. Because the method offers the best payment method for payment and transaction, money and invoice transfer, it can be used for all kinds of payment and commercial transactions such as sending quotes and accepting, sending, etc.

It will be apparent to one skilled in the art that various embodiments of the invention are not limited to the above examples, but that they may vary within the scope of claims 10 below. In the following claims, the term terminal (1) refers to both portable / fixed and similar transceivers / mobile terminals as well as portable / fixed terminals such as computers or peripherals thereof.

Claims (11)

1. Mobile telephony system to pay a bill and / or a fee and to send and receive the necessary information and to enable services in the service industry, characterized by using a cordless / cordless mobile telephony (1) either without contacting a device (2 and / or 4) for sending data is transmitted, received and displayed on the display if necessary the information concerning the recipient / service provider, such as name, contact codes, personal codes etc. or information about the invoice model, the commodity or the purchase price and the like. necessary information that the device (2 and / or 4) has transmitted wirelessly to the said device (1) via the network or without the use of the network (3), or by using the said device (1) the device (2 and / or 4) for transmitting to transmit the necessary data or the aforementioned data transmitted from a counting station (4) or from other terminals or from mobile telephones or from transmitter receivers (2) continuously or always where mobile telephones, transmitter receivers, terminals / base stations (1,2) , 3) are within each other's coverage area and the user's terminal (1) is in operational readiness, and where the desired service provider / recipient's information is selected / activated on the display and / or menu (6) of the said terminal (1), transmitted from said terminal (1), if necessary, the above-mentioned information and / or information in the telecash fee to be paid and / or other necessary information directly or via the network to the service provider's / recipient's terminal (2) and / or counting station (4) to send, pay, receive a fee, etc. information and to charge a user. System according to claim 1, characterized in that information about the service provider / recipient such as name, contact codes and invoices, a billing model, fees, a purchase sum and other necessary information is sent to the user's terminal (1) via the mobile telephone network (3) or from the recipient if necessary. / the service provider's base station or terminal (2) continuously or as required or at the request of the terminal (1) or its user, so that a message is sent to the counter station (4) and / or to a second device (2) by means of the terminal (1) which sends the said data to the said terminal (1) as needed, whereby: - data sent to the terminal (1) can be received and displayed on the menu / display of the terminal (1); - the terminal (1 or 2) can simultaneously transmit and / or receive information on more than one service provider / recipient and other information; 18 1 08263 - information on one or more service providers / recipients may be transmitted / received from the system's base stations and / or terminals and / or counting stations, either all data collected at one time or information on each service provider / recipient separately; - the terminal (1 or 2) is allowed, without contacting the transmitter terminal for data and / or the calculating station, to receive and display on the display the data transmitted by the calculating station or the other terminal about the recipient as well as the recipient's name, contact codes etc. information in the radio interface. System according to claims 1 and / or 2, characterized in that the mobile telephony (1 or 2) is allowed to display guiding instructions such as' Payouts', '' Service industry ', etc. on the display say that where the user wants to pay the fee and activates eg. the instruction "Payments" or "Service industry" and, if necessary, enter their personal code number intended for payment, the mobile phone displays information about the service provider / recipient on the mobile phone's display (6), which information the user can activate and enter in front / below if necessary the necessary punk (eg Sum :) the required information (eg sum of the sum) and send information to the recipient's terminal (2) or to the calculating station (4). System according to any of the preceding claims, characterized in that the counter station (4) and / or base stations and / or terminals (2) transmit and / or receive the service providers / receivers, e.g. restaurants, shops, etc. names and / or contact codes such as a certain contact number and / or other information to the mobile telephones and / or from the mobile telephones (1) continuously or as needed. System according to any of the preceding claims, characterized in that, in order to pay the service provider's / recipient's bill, the user enters, if necessary, necessary information such as the fee or the sum of the fee to his terminal (1) and selects and / or activates the contact information of the service provider / recipient which has is transmitted to or entered in terminal (1) on the menu and / or display of his terminal (1), the data being sent to the terminal (2) or the counter (4), and - to pay the service provider / recipient's fee, the user sends if necessary they enter or transmit to their mobile telephony information about the service provider / recipient such as name and / or contact information of the counter (4), where the recipient's 19 1 0 8 2 67 / service provider's information is checked if necessary and the fee is transferred to the recipient's account or the user's account is debited; - the bill and / or billing model received by the mobile telephony (1) may include, if necessary, the name of the service provider and / or the recipient, the telephone number, the sum of fees, the reference number, the subject of the charge and other information needed to pay a fee; - the service provider / recipient's information and personal codes such as names, contact codes or other information can both be measured and / or stored in the memory of the mobile telephone or SIM card or received from a second terminal or the calculating station (4) directly or via the mobile telephone; - information about the service provider / recipient and / or information regarding the commodity / service such as name, contact codes, numbers, and a bill can be transmitted from the service provider / recipient's calculating station (4) or mobile telephony or terminal (2) to users' mobile telephones or terminals (1) continuously or at the request of his terminal / mobile telephone (1), and the user or said terminal / mobile telephone eats transmits the bill to the billing station (4) by activating the recipient's information and approving the received bill and the fee is transferred to the recipient's account and the user's account is debited. 6. Mobile telephone system to pay a bill and / or a fee and to send / receive the necessary information and to enable services in the service industry, characterized by the payment being based in the system: - pl details of the service provider / recipient and / or information concerning services such as names, contact codes etc. transmitted by base stations (2) or the counter station (4) or the terminals of the service providers / receivers to the user's mobile telephony continuously or as needed or at the request of the user or his terminal (1); and / or - on information (such as a certain number) regarding the trading object (eg the customer's purchase) such as the commodity and / or on information about the service provider / recipient such as name, contact codes and the like. data transmitted wirelessly to the user's mobile telephone (1), in which data the desired task is selected / activated and sent to the counter (4) and / or to the receiver's terminal (2); - transferring the amount of money corresponding to the trade sum to the service provider / recipient's account or terminal and / or debiting the user's account, and that the system comprises counting stations (4), the service providers / recipients' base stations and / or terminals (2) and / or the mobile telephones (1) of the users which have been arranged so that said counting station (4), said base stations and / or terminals (2) transmit to said mobile telephony (1), if necessary, the name of the service providers / recipients, contact codes, etc. information, the billing model, and / or information regarding the service continuously or as required or at the request of the user; wherein: - where the received information (such as the recipient's name, contact codes, etc.) is activated by utilizing the terminal (1), the said mobile telephony (1) transmits the information needed such as the recipient's name, contact codes and the like. to the counter station (4) or to the receiver terminal (2) to receive / transmit data; and that the counting station performs the necessary functions and transfers the received charge (telecash) to the recipient's account or debits the user's account. System according to any of the preceding claims, characterized in that the user selects / activates the desired information on the service provider / recipient (2) as his name or contact codes e.d. the data is sent to the terminal station (4) and / or to the recipient's terminal (2), where data is checked if necessary and the message is sent to the device (1 or 2 if necessary) as proof of the approval and / or refusal of payment of a fee / bill and / or performance of a service. 8. Counter station (4) which can be used in a system described in any of the preceding claims, characterized in that the counter station (4) comprises, if necessary, the users 'accounts and / or account details or has been connected to the users' accounts and all other necessary information and means. to receive, control and process information, contact codes etc. sent by terminals (1 or 2), and to send necessary information to terminals (1 or 2), and to transfer a fee and / or bill to the recipient's account and to debit the user's account, and to - the billing station (4 ) can serve as a customer database for the users, for checking an account and for paying a fee, and that the calculating station may be linked and logically integrated to other components (2 or 3) partially or completely; The billing station (4) may serve as an internal customer database in the mobile telephone network for mobile phone users (1) and service providers for checking information and / or account and for payment of a fee or the billing station may be connected to or in contact with the users' bank accounts; - subscriber information of the mobile telephone user (1) may be the same as information of a mobile telephone subscriber or not the same or the other identification information of the user such as password and the like. can be used for user identification; - the calculating station (4) checks the currency type of the fee to be paid and transfers the fee to the recipient's account (to the beneficiaries for the recipient) according to the rate of the event or the day the calculating station receives the data. Terminals (1 or 2) which can be used in a system as described in any of the preceding claims, characterized in that there is a certain function such as e.g. instruction "Service industry" is selected / activated on the terminal / menu of the terminal (1), listens to the terminal or by using the terminal, the network and / or the counting station (3,4) or the other terminal (2) are requested to send a bill, a billing model, information on the desired service provider / recipient and other necessary information, the said terminal (1) displays the received information on its display / menu (6) so that information on the desired service provider / recipient etc. can be selected and activated and transmit or receive the necessary information to / from the recipient's terminal (2) and / or to / from the counter station (4), and that: - where the user selects a certain function such as "Payouts" in the menu of the terminal (1) / display the user can enter his / her personal code number for payment, if necessary, identifying the user as the correct one and then the user can use the said terminal (1) as a means of payment to pay bills / fees; - the terminal (1 or 2 ) can transmit, if necessary, information about the service provider / recipient and other necessary information to other terminals (1 or 2) and / or to the counter (4) directly or via the network (3); - the terminal (1 or 2) transmits, at needs, information about the service provider / recipient such as name, contact codes and / or information about the fee and other necessary information at the counters and other terminals, where the mentioned the user activates the function needed (e.g. by activating a certain button or instruction); - the mobile telephone (1) or the card of its user (such as SIM) is allowed to display guiding information on the display so that where the user chooses eg. Instruction '22 1 08263 "Payments or Service Industry" in the mobile phone's menu (1) shows the mobile phone on its display the information about the service provider / recipient or information about the service / merchandise (list) it has received, from which information the user can choose and activating information about the desired service provider / recipient and / or other information and transmitting or receiving to / from the recipient's terminal (2) and / or to / from the counter station (4); - said device (1,2) receives, if necessary, information about the service provider / receiver (codes / numbers etc.) sent by base stations, counter stations and / or other terminals / transmitters, from which data the user can select the desired data, activate and send the necessary information such as the contact code, the personal code and / or the charge to the counter or to the recipient's terminal; - said device (1,2) listens to the radio interface and collects information about the service provider / receiver such as name, contact codes, or information regarding the service transmitted by the other terminal / transmitter receiver or the counter station on its menu / display, whereby the user can select and activating information about the desired service provider / recipient and paying their bill and / or fee to the billing station, to the recipient's terminal or account, or sending and receiving other necessary information to / from the recipient's terminal and / or to / from the billing station; - said device (1,2) receives and / or continuously transmits or, as necessary, necessary data from / to the other terminal within its own coverage area of said terminals / mobile telephones. 10. Base station and / or terminal (2) which can be used in a system as described in any of the preceding claims, characterized in that, without making any calls, the base station and / or terminal (2) transmit and receive radio path to the mobile telephones / from the mobile device (1) continuously, always as needed, or at the request of the mobile device (1) or its user, information regarding the service provider / receiver such as name, contact codes, etc. information needed in the performance of the service; and: - transmitting the base station / terminal (2) to the mobile telephones (1) the name of the service providers / recipients, contact codes and the like. has been stored and / or linked to the service provider / recipient's accounts and / or to the data in the counter; 23 1 - the data transmitted by the base station / terminal (2) to the mobile telephones (1) such as the name of the service provider / receiver, contact codes, information regarding the service and the like. is the payment address of the service provider / recipient, to which the invoice is paid; - the information transmitted by the base station / terminal (2) to the mobile telephones (1) such as the name of the service provider / recipient, contact codes, information concerning the service and the like. is the payment address of the service provider / recipient, to which the mobile operator (1) user can pay his fee by selecting and / or activating on his mobile phone's menu or display information about the service provider / recipient (eg contact number, name etc.) and sending to the billing station ( 4) where the information sent or accounts are checked if necessary and the fee to be paid is transferred to the service provider / recipient's account or the user's account is debited. 11. Procedure at the mobile telecommunications network (3) terminal to pay and send / receive the necessary information and to enable services in the service industry, characterized in that during the procedure - is used: - a mobile telecommunications device or another wireless and / or cordless terminal (1 or 2) as terminal - radio transmissions / reception from and / or to the device (1 or 2) to / from other terminals or to / from counting stations directly or via the mobile telephone network (3), whereby: - by utilizing the device (1 or 2) in operational readiness you can send / receive information about the service provider / recipient such as name, contact codes etc. where necessary, the information received in the receiver / user device (1,2) is activated (such as name, number, contact code and the like) and the necessary information such as bills and the like are activated. data is transmitted and / or received to / from the calculator station or to / from the recipient's terminal; or - by utilizing said mobile telephony (1), the network, the counting station (4) and / or a second terminal (2) is requested to transmit the necessary bill and / or billing model and / or the charge (telecash) and / or information about the recipient and the like. or - the said mobile telephone receiver receives and / or continuously transmits or, as needed, the above-mentioned data from / to the other terminal within its own coverage area of the said terminals / mobile telephones.