GB2347255A - Method of loading a cash card using a mobile phone - Google Patents

Method of loading a cash card using a mobile phone Download PDF

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Publication number
GB2347255A
GB2347255A GB9904041A GB9904041A GB2347255A GB 2347255 A GB2347255 A GB 2347255A GB 9904041 A GB9904041 A GB 9904041A GB 9904041 A GB9904041 A GB 9904041A GB 2347255 A GB2347255 A GB 2347255A
Authority
GB
United Kingdom
Prior art keywords
card
communications device
mobile communications
cash
slot
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
GB9904041A
Other versions
GB9904041D0 (en
Inventor
Jan Oom
Bo Kvarstroem
Mikael Ragnar
Ove Linnell
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Telefonaktiebolaget LM Ericsson AB
Original Assignee
Telefonaktiebolaget LM Ericsson AB
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Telefonaktiebolaget LM Ericsson AB filed Critical Telefonaktiebolaget LM Ericsson AB
Priority to GB9904041A priority Critical patent/GB2347255A/en
Publication of GB9904041D0 publication Critical patent/GB9904041D0/en
Priority to AU28065/00A priority patent/AU2806500A/en
Priority to PCT/EP2000/001418 priority patent/WO2000051086A1/en
Publication of GB2347255A publication Critical patent/GB2347255A/en
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Meter Arrangements (AREA)

Abstract

A method of loading electronic cash onto a standard cash card, e.g. a smart card or magnetic strip card, comprises inserting the cash card into a slot provided in a mobile communications device (MCD) S11, establishing a communications path between the MCD and a financial service provider (FSP) S12, confirming the identity of the user of the MCD to the FSP S13, e.g. by entering a PIN via the MCD, and transferring electronic cash from the FSP to the cash card S15. Preferably the MCD is a conventional mobile phone (Figure 1), the communications path is established over a satellite or cellular phone network, and the MCD has a smart card reader (12, Figure 1) for reading and writing data from and to the cash card. The FSP may be a bank or may alternatively be another user having a second cash card inserted into a second MCD (Figure 3).

Description

MOBILE COMMUNICATIONS DEVICE TECHNICAL FIELD OF THE INVENTION This invention relates to a mobile communications device, and in particular to a mobile communications device suitable for use in performing financial transactions, and to a method of performing such transactions.
BACKGROUND OF THE INVENTION Proposals have been made for various forms of electronic financial transactions, in which value is transferred from one user to another user to be held electronically, for example on so-called smart cards.
The present invention relates to a system for performing such transactions using a mobile communications device.
W096/25828 discloses a method for performing financial transactions using a mobile station. A cash card application is carried on an application module, which can be inserted into a slot in a mobile station.
When the module is inserted in the slot, the cash card application is available for use by a user of the mobile station.
When the cash card application is available, it can be used for financial transactions. For example, electronic cash can be loaded onto the application from a user's bank account, after establishment of a communications link between the mobile station and a computer in the bank. Further, again when the cash card application module has been inserted into a slot in a mobile station, a data transfer link, for example based on infrared or other remote methods of data transfer, can then be established with a payment terminal, for example at a retailer's premises, allowing cash stored on the application to be used for making payments.
SUMMARY OF THE INVENTION In accordance with a preferred aspect of the invention, a standard cash card, namely one which can be used in a variety of financial transactions, can be inserted into a slot in a mobile communications device, which may for example be in the form of a mobile phone.
After establishing a communications path between the mobile communications device and a financial services provider, and confirming by means of an authorisation procedure that a user of the device is authorised to perform transactions, value can be transferred from the financial services provider, for example from an account held by the user, to be stored on the cash card.
The card can then be removed from the mobile communications device, and used in a conventional way, for example in transaction payments.
This has the advantage that the mobile communications device is used as a mobile terminal at which value can be loaded onto the cash card, thereby avoiding the need for the user to visit a static terminal.
According to a second preferred aspect of the invention, a mobile communications device is provided with a slot for insertion of a standard cash card, and means for transferring data to and from a card inserted in the slot.
Such a device has the advantage that it avoids the need for the user to find and visit a static terminal to be able to use the cash card.
BRIEF DESCRIPTION OF DRAWINGS Figure 1 is a block schematic diagram of a mobile phone in accordance with the invention.
Figure 2 is a flow chart showing the progress of a first transaction carried out in connection with an aspect of the invention.
Figure 3 is a flow chart showing a second financial transaction carried out in accordance with an aspect of the invention.
DETAILED DESCRIPTION OF PREFERRED EMBODIMENTS Figure 1 shows a mobile phone in accordance with the invention. The phone 2, as is conventional, includes a processor 4 and associated circuitry, and a MMI 6, for example in the form of a keypad allowing the user to input data and a display for providing messages to the user. The phone 2 also includes transceiver circuitry 8, connected to an antenna 10 provided on the exterior of the phone 2, for communicating with a communications network. For example, in the case of a cellular phone, communications are made via a network base station, while, if the phone 2 is a satellite phone, communications are made with a satellite-based transceiver. Other features of the phone are conventional, and not relevant to an explanation of the present invention, and are not described further herein.
The phone 2 also includes a smart card reader 12, which is connected to the processor 4.
The smart card reader 12 preferably takes the form of a slot provided in an external surface of the phone 2, into which a card can be inserted. Further, the smart card reader 12 comprises means for reading data from a card inserted into the slot.
An important aspect of the invention is that the card which is to be read is a standard card, which can be used away from the phone in financial transactions.
The card reader 12 is a smart card reader, capable of reading data electronically off a card which includes a processor and electronic memory devices.
However, the card may for example be a magnetic strip card, in which case the card reader which is to be used must be capable of detecting data stored in such a device.
However, what is important is that the phone is provided with suitable means for reading data from, and transferring data to, a standard card which can be used in a variety of other locations. For example, the card may be able to be used in static cash machines, and various retail locations, and other locations where payments are made.
The smart card reader, as mentioned above, is connected to the processor and able to transmit thereto data read off the card. Moreover, the card reader 12 is also able to write data to a card which has been inserted in the slot.
The use of the device shown in Figure 1 will now be described with reference to Figure 2, which is a flow chart showing the progress of a transaction using the device.
In Figure 2, it is assumed that the user has a standard cash card, which can be used to make payments, and in other financial transactions, separately from a mobile phone, and that the user also has a mobile phone as shown in Figure 1, with a suitable slot for receipt of the card.
To begin the procedure, the user in step S11 inserts the card into the phone and, at step S12, dials a number (which may advantageously be pre-stored in the device) of his bank, or other financial services provider.
At step S13, an authorisation procedure is carried out in which the user is, for example, required to confirm that he is an authorised user of the device, for example by entering a PIN. Other security and authorisation checks are of course possible.
Once the bank has confirmed that the user is authorised, the user is presented with a choice of available services and, at step S14, he selects a cash loading service. Of course, this is only one example of the type of service which might be available. In step S15, the cash loading takes place, in which the user specifies the number of an account which he holds with the financial services provider, and specifies an amount of cash, that amount then being transferred out of the relevant account, and on to the cash card in the form of stored value. At step S16, the process ends.
The card having been loaded with cash, it may then be used, for example, to make payments in a conventional way.
Figure 3 shows another form of financial transaction, in which a user transacts not with a financial services provider, but with another user of a similar service. Such another user is also referred to herein as a"financial transactor". In this case, the users are able to use a communications link between their mobile phones as a secure route for the transfer of value from one user to the other.
In such a case, it is necessary to establish a phone link between the two users A and B, and for both users to have their cash cards inserted into their phones. As shown in Figure 3, this exemplary process begins with user A inserting his card into his phone (step S21), and user B inserting his card into his phone (step S22). Then, user A initiates a call to user B (step S23), and user B answers the call (step S24). This is possible if, for example, users A and B are able to speak to one another and agree to begin the procedure in this way. However, if the users are able to communicate only over the phone, then the call can be placed before either of the parties, or at least before the called party, has inserted his card into the phone.
Once the phone connection has been established, user A, at step S25, selects a payment service and, at step S26, an authorisation procedure is carried out, in which each card and phone device confirms to the other that it is genuine, for example by the transmission of secret keys which are built into cards by the card issuers.
Once authorisation has been established, user A (in this case) effects a payment to user B in step S27.
For example, it is necessary for user A to identify the amount of the money which is to be transferred. This amount is then deducted from the value stored on his card, and added to the value stored on the card of user B. Once the transaction has been completed then, at steps S28, S29, each user can terminate the procedure by ending the phone call.
There are thus disclosed procedures by which a user of a phone can carry out a financial transaction, using a standard card, even though he is remote from card reading equipment provided by the card issuer.

Claims (11)

1. A method of loading electronic cash onto a card, the method comprising: inserting a standard cash card into a suitable slot in a mobile communications device; establishing a communications path between the mobile communications device and a financial services provider; confirming by means of an authorisation procedure that a user of the device is authorised to perform transactions; and transferring value from the financial services provider to the cash card, such that the cash card may subsequently be used in a transaction remote from the mobile communications device.
2. A method as claimed in claim 1, wherein the mobile communications device is a mobile phone, and the step of establishing a communications path uses a satellite or cellular phone network.
3. A mobile communications device, comprising a slot for insertion thereinto of a standard cash card, and means for transferring data to and from a card inserted into said slot.
4. A mobile communications device as claimed in claim 3, wherein the device is a satellite or cellular mobile phone.
5. A mobile communications device as claimed in claim 3, further comprising a smart card reader, for reading data from a card inserted into a slot therein.
6. A method of transferring electronic cash using a mobile communications device, the method comprising: inserting a standard cash card, which is capable of use in transactions remote from the mobile communications device, into a suitable slot in the mobile communications device; establishing a communications path between the mobile communications device and a financial transactor; confirming by means of an authorisation procedure that a user of the device is authorised to perform transactions; and transferring value between the financial transactor and the cash card.
7. A method as claimed in claim 6, wherein the financial transactor is another user, having a second mobile communications device with a second standard cash card inserted into a suitable slot therein.
8. A method as claimed in claim 6, wherein the mobile communications device is a mobile phone, and the step of establishing a communications path uses a satellite or cellular phone network.
9. In combination: a cash card, comprising means for storing data representing a financial value, the card being capable of independent use as a payment means; and a mobile communications device, comprising a slot for insertion thereinto of the cash card, and means for transferring data to and from the card inserted into said slot.
10 A combination as claimed in claim 9, wherein the mobile communications device is a satellite or cellular mobile phone.
11. A combination as claimed in claim 9, wherein the mobile communications device further comprises a smart card reader, for reading data from a card inserted into a slot therein.
GB9904041A 1999-02-22 1999-02-22 Method of loading a cash card using a mobile phone Withdrawn GB2347255A (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
GB9904041A GB2347255A (en) 1999-02-22 1999-02-22 Method of loading a cash card using a mobile phone
AU28065/00A AU2806500A (en) 1999-02-22 2000-02-21 Mobile communications device
PCT/EP2000/001418 WO2000051086A1 (en) 1999-02-22 2000-02-21 Mobile communications device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB9904041A GB2347255A (en) 1999-02-22 1999-02-22 Method of loading a cash card using a mobile phone

Publications (2)

Publication Number Publication Date
GB9904041D0 GB9904041D0 (en) 1999-04-14
GB2347255A true GB2347255A (en) 2000-08-30

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Family Applications (1)

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AU (1) AU2806500A (en)
GB (1) GB2347255A (en)
WO (1) WO2000051086A1 (en)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2372867A (en) * 2001-03-02 2002-09-04 Sonera Smarttrust Ltd Transaction management system
EP1282087A1 (en) * 2001-08-02 2003-02-05 Alcatel Method for executing electronic money transactions between terminals of participants in a communication network; associated transaction server and program module
GB2353889B (en) * 1999-09-02 2003-12-31 John Wolfgang Halpern Telephone-supported travel pass for the transfer of funds and of authentic entitlement passes or tickets
GB2397424A (en) * 2003-01-14 2004-07-21 Jonathan Richard Swift Radio electronic money transfer system
EP1603062A1 (en) * 2003-03-07 2005-12-07 Bitwallet Inc. Mobile terminal

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FI20002636A (en) * 2000-11-30 2002-05-31 Nokia Corp A method and system for distributing electronic content
KR20020051665A (en) * 2000-12-23 2002-06-29 남궁석 Electronic commerce method using mobile communication terminal and apparatus thereof
WO2007004202A2 (en) * 2005-07-01 2007-01-11 Daniel Suisa System and method for performing card transactions

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WO1996032700A1 (en) * 1995-04-11 1996-10-17 Au-System Improvements in or relating to electronic wallets
WO1997004609A1 (en) * 1995-07-14 1997-02-06 Eii-Konsulter System for payment transactions between two active cards
EP0831438A2 (en) * 1996-09-18 1998-03-25 Hitachi, Ltd. Electronic money transaction system

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FR2729523A1 (en) * 1995-01-16 1996-07-19 Solaic Sa Public telephone that can read user card and record memory card
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Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996032700A1 (en) * 1995-04-11 1996-10-17 Au-System Improvements in or relating to electronic wallets
WO1997004609A1 (en) * 1995-07-14 1997-02-06 Eii-Konsulter System for payment transactions between two active cards
EP0831438A2 (en) * 1996-09-18 1998-03-25 Hitachi, Ltd. Electronic money transaction system

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2353889B (en) * 1999-09-02 2003-12-31 John Wolfgang Halpern Telephone-supported travel pass for the transfer of funds and of authentic entitlement passes or tickets
GB2372867A (en) * 2001-03-02 2002-09-04 Sonera Smarttrust Ltd Transaction management system
EP1282087A1 (en) * 2001-08-02 2003-02-05 Alcatel Method for executing electronic money transactions between terminals of participants in a communication network; associated transaction server and program module
GB2397424A (en) * 2003-01-14 2004-07-21 Jonathan Richard Swift Radio electronic money transfer system
EP1603062A1 (en) * 2003-03-07 2005-12-07 Bitwallet Inc. Mobile terminal
EP1603062A4 (en) * 2003-03-07 2006-05-17 Bitwallet Inc Mobile terminal
US9497796B2 (en) 2003-03-07 2016-11-15 Sony Corporation Portable terminal device, portable terminal oriented method, currency information issuance server apparatus, currency information issuance method, and computer program product
US11295299B2 (en) 2003-03-07 2022-04-05 Sony Corporation Information processing apparatus

Also Published As

Publication number Publication date
WO2000051086A1 (en) 2000-08-31
AU2806500A (en) 2000-09-14
GB9904041D0 (en) 1999-04-14

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