JP2001519571A - Method for electronically delivering specific financial services for large mobile passenger vehicles - Google Patents

Abstract

(57) [Summary] The financial institution (10) uses an automated system. Various services are provided to customers. For example, account information, account debit and credit are provided according to customer requirements. A communication front end (12) is used to exchange data corresponding to information using a standard switch network (14). The front end (12) may also be connected to a network service provider (16) via a private network (18) and a direct wireless service (20).

Description

DETAILED DESCRIPTION OF THE INVENTION

CROSS-REFERENCE TO RELATED APPLICATIONS This application is a divisional application of U.S. Patent Application No. 08 / 588,091 filed November 13, 1995, which was issued on August 18, 1998 as U.S. Patent No. 5,796,832. No. 09 / 134,8, filed Aug. 17, 1998, which is incorporated herein by reference.
This is a continuation-in-part application of No. 13. This application is also related to U.S. patent application Ser. No. 60 / 060,799, filed Oct. 3, 1997, entitled "Electronically Delivered and Software Identified for Large Mobile Passenger Transportation."Applicant's ongoing application, entitled "Methods and Systems for Financial and Information Services," also claims priority. BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for providing information, executing financial transactions, and performing other services in a large mobile passenger transport, and more particularly to providing financial information, providing financial transactions in a large mobile passenger transport. And a system using a satellite for providing services electronically or using other terminals connected wirelessly. BACKGROUND OF THE INVENTION The proliferation of ATMs / CATs has revolutionized the banking and financial services industries due to the increased ability to provide financial services to consumers. For example, in the past, almost all consumer transactions were done directly by the person. Thus, consumer access was generally limited to business hours at branch locations. With the advent of ATM / CAT and other financial networks, consumers can now access financial services virtually seven days a week, 24 hours a day. The result is increased convenience and efficiency for both service providers and consumers.

Despite these successes, currently used ATM / CAT and other financial networks are characterized by certain shortcomings that limit consumer access, especially large aircraft, including airplanes, trains, and ships. This has hampered the wider accessibility and use of mobile passenger transport. For example, the most commonly used ATMs today
/ CATs are hard-wired at fixed positions. This hard wiring is necessary to power the terminals and to provide access to communication lines, such as telephone lines, for exchanging data with financial service providers. Safety considerations are also one reason for limiting ATMs / CATs to fixed positions.

As described above, in order to maximize the access of consumers as a result of the fixed location of the terminal, the financial network must pay the most attention so that ATMs / CATs are distributed throughout a certain area. Must. However, these fixed locations do not address the problem of lack of access in large mobile passenger transport. Therefore, there is a need to provide traveling customers with a substantial link to fixed service nodes (terrestrial-based ATMs / CATs).

In the prior art, there have been many attempts to address computer and other access issues in large mobile passenger vehicles. This prior art includes: U.S. Pat. No. 5,311,302 to Berry et al. Discloses an entertainment system for a passenger vehicle with an interactive video terminal in each seat. Passengers can perform functions such as making phone calls and ordering goods, and pay for the entertainment with a credit card. However, Berry et al.'S device does not address wireless banking features.

A paper by Mies (“Plastic loaded when installing a game on an airplane”
American Banker, 1/7/94, p. 14, Vol. 159, no. 5)
Discloses a system that enables the use of smart cards in passenger transportation such as aircraft and cruise ships. Passengers can pay for services such as video, video games, television, computer games, and gambling with smart cards. However, this article does not disclose the use of the real-time banking feature of networks including wireless and non-wireless terminals.

[0005] A paper by Coulton ("Swiss Air, Cathay Pacific to install in-flight ATM", American Banker, 20/29/96, p.20, Vol.161,
No. 208) discloses the specification of ATM in an aircraft. However, this article does not disclose the use of the real-time banking feature of networks including wireless and non-wireless terminals.

[0006] Bank Atlantic installs ATMs on four cruise ships (American Banker, 1/19/96, p.13, Vol.162, No.11), and
"Bank Atlantic installs ATM in two carnival super liners" (American Banker, 4/21/95, p.13, Vol. 160, No.
76) discusses the use of satellite-driven ATM on cruise ships. However, these articles do not disclose the use of the real-time banking feature of networks including wireless and non-wireless terminals.

US Pat. No. 5,666,291 to Scott et al. Discloses an entertainment system for mass transit vehicles (eg, aircraft). A file server, a local area network, and a user station are disclosed. However, Scott and others' devices are not directed to the use of wireless banking features or the real-time banking features of networks including wireless and non-wireless terminals.

[0008] US Pat. No. 5,568,484 to Merges discloses a telecommunications system that passengers can use for telephone and entertainment on commercial aircraft. This service can be paid by credit card. However, Margins devices are not geared towards wireless banking features.

[0009] EP Patent Application No. EP789502 to Harvey et al. Discloses an in-flight entertainment system that provides passengers with a network that includes demand responsive video, audio telephone access, and games. However, Harvey and others' devices are not aimed at wireless banking features.

[0010] US Pat. No. 5,379,421 to Palazzi et al. Discloses an interactive terminal that allows passengers of passenger vehicles, such as airplanes and pleasure boats, to access a remote database. However, Paratzui and others' devices are not aimed at wireless banking features.

[0011] Accordingly, there is a need for a financial transaction and information system that can overcome the aforementioned shortcomings with respect to large mobile passenger vehicles. Specifically, there is a need to provide transactions and information terminals that can be conveniently mounted on large mobile passenger transports, such as would be required to maximize availability and thereby the financial services provided. .

In addition, without compromising the security provided by existing systems,
And provide the above-mentioned characteristics without introducing excessive costs, and make existing ATM /
There is a need to provide these systems within the framework of CAT and other financial networks. DISCLOSURE OF THE INVENTION It is an object of the present invention to provide the above and other needs through a financial information and transaction system using radio or satellite communications connected to banking and other electronic service terminals and other user interfaces in large mobile passenger transport. It is to satisfy sex. In this system, embodiments of the present invention include a terminal in a wireless or cellular telephone network, or a mobile post office connected to a financial institution via a satellite communication link.

Further, it is an object of the present invention to provide terminals and other services in systems utilizing connections to non-wireless terminals to provide banking and other services within a single system of large mobile passenger vehicles. To provide financial information and transaction systems and other services that utilize wireless connections, such as satellite or other wireless communication links, connected to a user interface.

It is a further object of the present invention to provide dynamic routing that automatically selects links from satellites or other wireless communications based on cost and link availability.

According to another embodiment of the present invention, the system not only provides ATM / CAT network functionality, but also provides non-financial services, thereby forming an integrated system. .

The present invention provides a wide range of electronically delivered finance, information and other services using airplanes, cruise ships, ferries, tour buses, satellite or other wirelessly linked terminals. Comprising methods and systems for providing passengers of trains and other large mobile passenger vehicles. The services that enable the present invention to passengers include:
(1) Electronic money transfer via debit / credit / travel and entertainment or other similar electronic card products, for example, to use a credit card, debit card or smart card for shopping and currency exchange. I do. (2) Access the Internet to obtain information and conduct electronic commerce. (3) Obtain information from a media service (eg, CNN). (4) Obtain a satellite TV broadcast program to make a contract for paying each viewing.

In an embodiment of the present invention, using a server mounted on a transportation agency, passengers can use a credit card, a debit card, or a smart card for shopping, make long-distance calls, and so on. Perform functions. Tickets for movies, tour buses, etc. can be purchased. The points obtained are redeemed in cash using this system. For example, you can access different kinds of currencies using smart cards and e-wallets.

[0018] Thus, the present invention provides a virtual service between fixed service nodes (eg, terrestrial-based ATM / CAT) for traveling customers who have a long and difficult trip over the water. It provides a simple link.

In order to achieve the foregoing and other objects of the present invention, the present invention, as exemplified and described below, obtains financial and other information in large mobile passenger vehicles, executes transactions, and performs other transactions. , Including a method of providing other services, the method providing access to a terminal for a user, the terminal being connected to a device for transmitting and receiving data wirelessly; Allowing information to be input, the terminal automatically transmitting the information wirelessly to the wireless communication interface and receiving data; the wireless communication interface automatically transmitting the information to the communication interface; The interface automatically sends the information to a financial host computer system, where the host system Maintaining a record of account information; and enabling the user to obtain financial information and execute transactions at the terminal.

To achieve the foregoing and other objects of the present invention, as exemplified and described below,
The present invention includes financial and other information, transactions, and other services used in transportation, and includes a financial host computer system,
Maintaining a record of user account information; a plurality of user interface terminals for accessing the financial host computer system, at least one of the terminals being connected to the first communication device for wirelessly transmitting and receiving data;
The at least one of the terminals is housed in the vehicle; wirelessly transmitting and receiving data to and from the at least one terminal via the first communication device for wirelessly transmitting and receiving data; And a communication interface connected to the wireless communication interface and connected to the host system, wherein the data corresponding to the user's account information is: Exchanged between the host system and the at least one terminal connected to the first communication device for wirelessly transmitting and receiving data via the wireless communication interface and the communication interface, whereby Information is available and available on the financial host system. There are viable, and, wherein execution and the information is transmitted and received by the at least one terminal via the exchanged financial host system coded data.

[0021] Other objects, advantages and novel features of the invention will be set forth in part in the description which follows, and will become apparent to those skilled in the art from a consideration of the description or learned through the practice of the invention. Will. DETAILED DESCRIPTION OF THE INVENTION The present invention provides a wide range of electronically delivered finance, information and other services utilizing satellites or other wirelessly linked terminals to aircraft, cruise ships, ferries,
It comprises methods and systems for providing passengers of tour buses, trains and other large mobile passenger transports. The services that enable the present invention to passengers include: (
1) For example, in order to use a credit card, a debit card or a smart card to make purchases and exchange foreign currency, to transfer funds through an account of debit / credit / travel and entertainment or other similar electronic card products. send money. (2) Access the Internet to obtain information and conduct electronic commerce. (3) Obtain information from a media service (eg, CNN). (4) Obtain a satellite TV broadcast program to make a subscription contract for each viewing.

In an embodiment of the present invention, using a server mounted on a transportation vehicle, passengers can use a credit card, a debit card, or a smart card to shop, make long-distance calls, for example. You can perform functions such as calling. Tickets such as movies, tour buses, etc. can be purchased and the points earned are redeemed as goods and / or services using this system. For example, you can access different kinds of currencies using smart cards and e-wallets.

As described above, the present invention is provided for a traveling customer who travels on the water for a long time,
It provides a virtual link to a fixed service node (eg, terrestrial-based ATM / CAT). The present invention also provides methods and systems that focus on data communication first, transaction progress second, and application in the user interface third.

Further, embodiments of the present invention include methods and systems for dynamically selecting between satellite and wireless connections based on cost and availability of those connections. A feature of this dynamic selection is that it can be located in the general system in many places, such as large mobile passenger transport, satellite, or ground.

[0025] Such a connection can be made to a terrestrial electronic fund transfer organization (eg, Citis worldwide).
Here Corp. , Diners Corp .; , Visa / Plus, Ma
starCard / Cirrus / Maestro, Amex, NYCE, HO
NOR Technologies, Cash Station, MAC, PU
Provide passengers with access to functionally similar retail or corporate Electronic Funds Transfer (EFT) institutions such as LSE, STAR, Europay, JETCO, etc., and provide passenger financial transactions (eg balance inquiry, smart card payments) Facilitates loading, transferring money to on-board systems, transferring funds, paying for services and goods, withdrawing cash, currency exchange, and obtaining delicate documents (immigration tickets, discount coupons).

With this capability, passengers will be able to pay for electronic payments, branded and unbranded media services (
Example: msnbc. com. (CNN, Dow Jones, Reuters) and the Internet for information and e-commerce, including direct satellite television to purchase pay-per-view shows.

In an embodiment of the present invention, the electronic connection allows the transportation operator to use this data communication with various electronic devices (eg, aircraft, ships, trains) used / accessed by the passenger for passenger convenience. Cabin file server on board, ferry, or bus)
Can provide a direct connection to the passenger entertainment system of the seat, provide a debit / credit card reader at the seat, access a smart card reader at the seat (especially a microprocessor card reader), It can be connectable to video game systems, gambling systems, telephones, document printers, facsimile machines, and other self-service electronic devices accessed by passengers.

A wireless user, such as a card reader, screen, keypad, information / service selection key, etc., having one or more features, such as a hand-held wireless unit located at the customer's seat Information and services can be provided by the interface device. Other examples of user interface devices that can be used with embodiments of the present invention include centrally or fixedly located terminals, mobile terminal devices, and user interface screens located at each seat in large mobile passenger vehicles. Is mentioned.

In an embodiment of the present invention, the vehicle owner and the passenger use a debit / credit / travel, for example, using a credit card, debit card, smart card to pay for services and goods within the vehicle. And online authorization for entertainment or other similar electronic product accounts, allowing Passengers to purchase Store Value Cards to purchase services and products, including entertainment, gaming and Las Vegas gambling. , Or load a microprocessor card, and the passenger electronically obtains a prepaid calling account number from the telephone, from the onboard entertainment system, or from an independent system within the vehicle. These accounts can be It can also be downloaded to one pocket of the Rossesa card.

In an embodiment of the present invention, the electronic connection allows the passenger to order duty-free goods electronically from his seat using a touch screen or other display, and to enter a delivery address and name, for example, Debit / Credit / Transport and Entertainment (T & E) using a credit, debit or smart card
) Or other similar card account and pay for it electronically at the destination, or download the order electronically to a private courier on the ground, You can choose to have your delivery delivered immediately to your address.

In an embodiment of the present invention, the passenger can also participate in a guided tour at the destination by paying for and accessing the video tour stored in the cabin file server in the transportation facility. Dynamic information is updated via satellite links and wireless communications, and passengers also receive delicate information, including theater, movie, concert, sporting event tickets, tour tickets, immigration tickets, and bus transit tickets at destinations. You can order documents and pay for them with an electronic card. Passengers can load various currencies by inserting their multi-application microprocessor card into a smart card reader / writer and use the phone or seat entertainment system screen to print the card in a specific currency. The value can be loaded or, for example, the currency A in the pocket A of the electronic wallet can be electronically converted to the currency B in the pocket B of the electronic wallet.

According to an embodiment of the present invention, a passenger may electronically load and unload loyalty program points on a loyalty program smart card and / or a ground loyalty program account, according to an embodiment, Can also exchange loyalty points for goods and services, get service upgrades, and redeem points for other passengers.

Electronic communication also provides that a passenger can order a travel electronic ticket from his seat and provide it at his seat or elsewhere in the vehicle via the on-board cabin file server by a financial services organization. Allows access to private property financial / information services, including dynamic data (eg, investment and loan interest rates, stock quotes) that can be updated via satellite or other wireless communication links I have. The present invention also enables the passenger to electronically shop, for example, via an electronic catalog on the on-board file server or via the Internet, the price of the order can be paid from the passenger's seat by a card that is certified online, Delivery information can be downloaded along with a courier delivery order, and passengers can use SET-based transactions and other forms of secure transactions over the Internet for activities such as shopping and purchasing information.

Embodiments of the present invention also provide for the delivery of electronic statements via an electronic mailbox. According to this embodiment, it is possible to alert the customer of financial matters (eg, a deposit certificate coming to maturity, payment of an overdue loan) through the delivery of a mailbox electronic statement. For example, in the prior art, local telephone companies have separately sent notice of late payment. In an embodiment of the invention, the computer places a message in the customer's telephone mailbox, for example, to remind the customer of the due date. This embodiment also allows for the delivery of results for requests for archival information (eg, last month's statement, reconciliation table), special offers (eg, secured lending sale, auto loan special offer, It allows the promotion of weekly special interest rates on deposits, the provision of cross-sell information on other products (eg open mutual funds, insurance), and special information that is critical to customers (eg: It enables the provision of daily interest rates before home mortgages, exchange rates for multi-currency accounts for international customers traveling.

The aspects of the e-mail box of the present invention are useful for other purposes in embodiments of the present invention, including: Store messages in mailboxes for traveling customers, deliver credit reporting information at a fee, and co-brand organizations provide e-promotion information to customers to reduce large time lags (eg, American Airlines) Special route to Florida in winter by line).

An example of a system according to an embodiment of the present invention that utilizes wireless communication in a large mobile passenger transport is shown in FIG. 1A. In FIG. 1A, a Large Mobile Passenger Transport 1 (LMPC) includes a server 1a connected to a wireless transmitter / receiver 1b used, for example, with a satellite or other wireless communication link. The server 1b is also connected to various terminals / interfaces 1c, 1d and 1c. In addition, the wireless user interface 1g, which is effectively connected to the server 1a via the wireless communication device 1f, can also be used in the large mobile passenger transport 1. In the embodiment of the present invention, some passenger services accessible through the user interfaces 1c, 1d, 1e, 1g are provided by the on-board server 1a.

In an embodiment of the present invention, LMPC 1 is operatively connected to a direct radio service 2 which is connected to an earth station or communication front end 3 by satellite link or other radio communication. The communication front end 3 includes, for example, a financial institution host computer 4, which may include, for example, an ATM / CAT network, a network service provider 5, which allows connection to the Internet and other networks, a standard switch network 6, and a private network 7. Connected in order. The combination of these connections to the communication front end may vary depending on the services provided at LMPC1. The communication front end / switch 3 includes transaction settlement, money transfer, exception handling, foreign exchange, and management information system functions, and may include a wide range of functions other than routing and other communication facilitation.

Embodiments of the present invention provide for dynamic routing that automatically selects a link from satellite or other wireless communications based on link availability and cost.

FIG. 1B shows one embodiment for use with a satellite link, presenting various components of an embodiment of the present invention. As shown in FIG. 1B, in this embodiment, a large mobile passenger transport 8 such as, for example, an aircraft, provides information and services to large mobile passenger transport customers via a wireless link to satellite 8a. I do. Satellite 8
a transmits and receives data at about 10,500 bps in the embodiment of the present invention, but is sequentially wirelessly linked to the ground-based earth station 8b. The earth station 8b is linked, for example, by a landline to the communication front end 9, thus allowing connection to a network such as, for example, a financial institution host computer, an ATM / CAT network or other Internet. It allows communication to network service providers, standard switch networks, private networks, and other network connections 9a. Other Embodiments Related to Wireless Connections In order to perform many of these functions in connecting to networks used in real time, such as ATM / CAT networks and other Internet, embodiments of the present invention may be implemented using satellites or other devices. Utilizes a wireless connection to a network. The wireless connection aspect of the present invention will be further discussed.

FIG. 2 is a block diagram illustrating a system for providing financial information and performing financial transactions according to another embodiment of the present invention. In this embodiment, the financial institution is represented by block 10. As is well known, financial institutions, such as consumer banking institutions, utilize automated systems, including host computers, to maintain records of customer accounts. These records are used to track customer accounts, write debit and credit, and for other purposes.

At the request of the customer, the communication front end 12 is used to exchange data corresponding to such information in order to provide the customer with various services such as providing information regarding the account and deposit / withdrawal of the account. I have. The communication front end 12 provides access to host computers operated by the financial institution 10 from various communication systems. For example, as shown, communication front end 12 may exchange data with a standard switch network 14, such as that operated by a local telephone company. Thus, the transfer of data using such a system is done through telephone lines. In this manner, modems using various well-known communication protocols may exchange data with users properly linked to standard switch network 14. Further, the data is exchangeable, that is, other financial institutions and financial networks (not shown) can provide data for settlement of various customer transactions, for example.

As an alternative, the communication front end 12 may be connected to a network service provider 16 or a private network 18. For example, one of several commercial services available today can link a user to an entire region. Further, the communication front end 12 may include an interface between the financial institution 10 and a private network 18, for example, comprising one or more local area networks (LANs) or wide area networks (WANs).

Further, the communication front end in the present embodiment is connected to the direct wireless service 20. For example, such connections work at very high frequencies (900 MHz) for security reasons, along with cellular phone or spread spectrum type connections (900 MHz with multiplexing equipment). Signals from the direct wireless service 20 are received by many different types of terminals, as described below.

As shown, FIG. 2 shows a direct link between the communication front end 12 and various types of communication systems 14, 16, 18, and 20. However, those skilled in the art will appreciate that various other combinations of such systems are possible. For example, private network 22 may access communication front end 12 through network service provider 16. Alternatively, rather than direct wireless communication represented by block 20, wireless communication may be provided utilizing various commercial wireless service providers 24 via the standard switch network 14. Other networks 26, such as the Internet, can be accessed by the standard switch network 14.

FIGS. 3A and 3B illustrate various applications in embodiments of the present invention, wherein wireless data communication provides convenient access to a financial institution, such as the financial institution 10 described above in connection with FIG. Used to provide. For example, FIG.
0 to various terminals A to D distributed on ship 52 or other large mobile passenger transport
Shows an application example that is linked so as to be able to be linked.

In FIG. 3B, the wireless transmission receiving station 54 is located on a large mobile
Alternatively, it is linked to the financial server 56 linked to the WAN so as to be linked. Various nodes 58, 60 and 64 are provided along the transport network. One such node 64 shown in FIG. 3B consists of a personal computer and includes a smart card reader 64a.

FIGS. 4A and 4B illustrate an embodiment of a wireless terminal according to the present invention in more detail. In both of these embodiments, and in the embodiments described below, the application consists of devices, methods and coding systems such as smart cards and smart card readers. With coding technology, not only can financial information stored remotely by a host computer or stored locally on a smart card be encoded, but also identification information such as a personal identification number (PIN) can be encoded. . In this way, the user's PIN can be encoded by the smart card,
This coded PIN can be decrypted and communicated to a remote host with the same coded key that takes effect. It accesses information stored on the host,
It provides legitimate rights to claim various financial transactions.

FIG. 4A shows a first wireless terminal 100 on a large mobile passenger transport for use with a smart card according to an embodiment of the present invention. The terminal 100 includes an alphanumeric keypad 104, a display 106, and a smart card reader 1
08 includes a customer interface 102. As described in FIG. 2, the signal provided by the wireless service provider is received by the transmission / reception unit 110 of the terminal 100. Conversely, the signal is sent to the terminal 100 via the wireless service provider.
From the transmission / reception unit 110 to the front-end processor. In this way, the terminal 100 is used for wirelessly transmitting and receiving data to and from a financial institution or a financial network. This data is then transmitted to the smart card reader 1
08 and read from the smart card inserted into the smart card.

In this embodiment, the terminal 100 is conveniently used, for example, to read data stored on a smart card to determine a value corresponding to the amount of funds present in the user's account. The terminal 100 allows the user to increase the amount of money stored on the card and debit the increased amount from the user's account by the host computer. Thus, the terminal functions as a terminal having credit lending authority. This authority and financial information is secured during transmission as a result of the coding capability of the smart card used to access the terminal 100.

For example, in accordance with an embodiment of the present invention, a user inserts a smart card into smart card reader 108. The card is first coded and then the terminal 1
At 00, the information stored in the smart card is transmitted. This information identifies the financial institution that holds the user's account and account number. The user enters the PI using the numeric keypad
By requiring that N be entered, security can be further enhanced. The smart card then re-codes the PIN and sends it by the terminal to the host computer for verification.

Once approved, the user can determine the user's checking account balance and request that the value be added to the card. In performing these requests, the terminal exchanges the coded information with the financial network as described above in connection with FIG. 2 using wireless transmission. For example, the terminal may be used to add value directly to the user's card, and then request by wireless transmission to debit a corresponding amount from the customer's account. These requests consist of coded data that is decrypted by a host computer associated with the financial institution.

When funds are sent to or withdrawn from the smart card, the bank signature attached to the funds establishes that the funds are “real”. It is also certain that the funds will be valid when the transaction enters the payment system. Since one or more financial institutions are involved in the payment system, the coded bank signature proves that the transaction is genuine when the transaction is eventually brought to the financial institution .

In the embodiment shown in FIG. 4A, the terminal 100 mounted on a large mobile passenger transport operates on a standard AC power supply 112 from a conventional outlet. FIG. 4B (
(The same reference numbers are used when referring to structures corresponding to those described with respect to FIG. 4A).
Are powered by a rechargeable battery 122 to provide mobility within the large mobile passenger vehicle.

With a terminal as described in connection with FIGS. 4A and 4B, it is possible that a user can carry out numerous financial transactions without a hard-wired connection between said terminal and a financial institution. Be evaluated. For example, the terminal can be used to "recharge" a smart card in the manner described above. After a "recharge", the user can use the card by connecting to a terminal that accepts electronic cash instead of cash and deducting the amount from the user's card. The deducted amount is then redeemed by the merchant through the settlement process of the user's financial institution (other).

FIG. 5 shows another embodiment of the present invention, in which a wireless server / terminal unit 150 mounted on a large-sized mobile passenger transportation system includes a user and a financial institution as cited in FIG. Used to exchange financial information with other remote host computers. The wireless server / terminal unit 150 preferably includes the terminal described above with reference to FIGS. 4A and 4B (ie, a display, a keypad, a smart card reader, and a communication capability of wireless transmission of data).

The system shown in FIG. 5 is capable of exchanging financial information with other non-financial functional institutions, such as internet browsing, ticketing, obtaining services, etc., in addition to security management, in addition to security management. Are integrated. In particular, the wireless server / terminal unit 150 is a LA server comprising various other computers and networks.
Forming part of N. As shown, these other computers and networks include personal computers (PCs) 158, 152, WAN 156.
, A local computer system 154, a conventional ATM / CAT 160, and a spread spectrum server 162.

Various terminals and associated devices are connected to the displayed network. For example, the WAN 156 includes PCs 166 and 168. Access system 174 includes a variety of smart card readers 170, some of which include a keypad. Similarly, the PCs 152 and 158 include smart card readers 152a and 158a, respectively.

A plurality of terminals located in a large-sized mobile passenger transportation represented by the terminal 172 are connected to a spread spectrum server 162. For example, the terminal 172 includes a smart card reader 172a. In this way,
The wireless finance server terminal 150 enables access to financial institutions and access from various locations via various methods and devices.

In particular, a wireless smart card recharging station 172 mounted on a large mobile passenger transport is connected to the financial institution via a spread spectrum receiver 162 and a server terminal 150. The recharge station 172 has a slot for receiving and reading smart cards and a display (see FIGS. 4A and 4B). Through the relationship of the financial system, for example, as shown in FIG. 2, the user makes a selection from a menu displayed on the display of the terminal 172. For example, the user can review the balance of accounts, transfer funds, or perform other activities, particularly those that can be done with a fixed location ATM / CAT. The user may also transfer funds to the "preperid" or "
With the addition of setting up any of the "wallet" accounts, the monetary value can be reloaded to the smart card via a cash station. In this way, a user can access money via a portable ATM / CAT-type terminal without danger because cash is not directly involved. At the end of the user's visit to the smart card-enabled location, the user can use the station to deposit an unused balance from the user's smart card into the user's financial institution account.

As shown, the PC 152 is connectable to, for example, a smart card reader having a keypad and processing capabilities. This allows the user to access the user's financial account and "recharge" the smart card (ie, add funds to the smart card). In this embodiment, the keypad allows the user to enter the user's PIN, and the smart card inserted into the reader 152a provides the transport route (ie, LAN / wireless terminals / routes) are provided with additional coding and security measures to be sufficiently secure. Similar arrangements have been taken at other remote locations through a telephone line between the terminal and another personal computer connected to a smart card reader / processor and keypad. Furthermore, A
A smart card reader / processor with a display that simulates the TM / CAT protocol is connectable to the terminal, thereby allowing the user to recharge the smart card without using a personal computer. It can execute all ATM / CAT functions.

Thus, server terminal 150 includes communication channels for several remote devices, eg, PCs 152 and 158 where they cooperate with wide area network 156 and terminal 172 which cooperates with spread spectrum server 162. I have. By providing these terminals with a card reader, it is possible to obtain a wide range of access points to remote host computers via the wireless financial server / terminal. This provides additional capabilities for the financial information and transactions described above.

FIG. 6 illustrates a multi-purpose smart card 200 according to one embodiment of the present invention, for example, the integrated system described in FIG. 5 that is capable of both financial and non-financial functions. The smart card 200 is composed of a central processing unit (CPU) 202 connected to a read-only memory (ROM) 204 mainly used for storing an operation system. Random access memory (R
AM) 206 is also provided for temporarily storing data, especially for program execution. The CPU 202 includes a series of interfaces 20.
8, the interface of which is associated with the smart card reader 210 by well known conventional means.

The CPU is connected to an arithmetic unit 212, for example, one suitable for processing large keys (512-byte keys). In particular, an electrically erasable programmable read only memory (EEPROM) 214 is provided for storing system files and applications.

As shown in FIG. 7, the smart card 200 of FIG. 6 has different file paths for different functions. The EEPROM has a master file 220 and dedicated files for different applications. These dedicated files include a biometric identification file 222 and a coded digital symbol file 224. Similarly, an access file 226 is also included, which contains the security system, eg, FIG.
And information relating to the use of the card in connection with that referred to in the above. The master file 220 is also linked to a banking card debit file 228, which also has a unique path for identification. The smart card has a prepaid function path 230 that can be loaded only through a security function, and an “unguaranteed” electronic wallet function file 232. These files can be read by an external terminal, for example, the terminal described with reference to FIGS. 4A and 4B. These files can be reduced as required from an external terminal, described in more detail below.

In this example, the master file 220 has a digital coder 234, which comprises, for example, a computerized algorithm for processing a digital key and code of the user's PIN. I have. The algorithm used may provide symmetric or asymmetric codes well known in the art.

In the described embodiment, the smart card is such that the smart card can be validated from a remote location, for example, a financial institution or a host computer of an off-online commercial terminal equipped with a SAM module for off-line card authentication. Incorporates optional digitally coded symbols and coding algorithms. In such an example, both ends of the communication (e.g., the host computer and the smart card) each have an encoded key so that data (e.g., a PIN entry) sent through the smart card 60 is transmitted to the host computer. It becomes effective with. In this way, the host computer can recognize that the smart card is genuine and can recognize that a legitimate user is using the smart card and that a secure financial transaction is taking place.

The embodiments of the present invention have been described so as to achieve the above object. It will be appreciated that these examples are merely illustrative of the invention. Many changes and modifications will be apparent to those skilled in the art.

[Brief description of the drawings]

FIG. 1 illustrates an ATM mounted on a large mobile passenger agency, such as an aircraft, according to an embodiment of the present invention.
/ CAT.

FIG. 1A illustrates a system for wirelessly communicating financial information, conducting financial transactions, and providing other services to a large mobile passenger vehicle in a system according to an embodiment of the present invention.

FIG. 1B is a block diagram of an embodiment of the present invention, illustrating various components for use in a satellite link.

FIG. 2 is a block diagram of a financial information and transaction system according to an embodiment of the present invention.

FIG. 3A is a block diagram of an application of a first application of the present invention including a wireless transmitting / receiving station.

FIG. 3B is a block diagram of a second application of the present invention including a wireless transmitting / receiving station.

FIG. 3C is a perspective view of a cellular telephone terminal according to an embodiment of the present invention.

FIG. 4A is a perspective / block diagram of a first portable wireless transaction and information terminal according to an embodiment of the present invention.

FIG. 4B is a perspective / block diagram of a second portable wireless transaction and information terminal according to an embodiment of the present invention.

FIG. 5 is a block diagram of a wireless transaction and information system according to an embodiment of the present invention.

FIG. 6 is a block diagram of a smart card according to an embodiment of the present invention.

FIG. 7 is a block diagram of a file configuration of the smart card of FIG. 5;

──────────────────────────────────────────────────続 き Continuation of front page (81) Designated country EP (AT, BE, CH, CY, DE, DK, ES, FI, FR, GB, GR, IE, IT, LU, MC, NL, PT, SE ), OA (BF, BJ, CF, CG, CI, CM, GA, GN, GW, ML, MR, NE, SN, TD, TG), AP (GH, GM, KE, LS, MW, SD, SZ, UG, ZW), EA (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM), AL, AM, AT, AU, AZ, BA, BB, BG, BR, BY, CA, CH, CN, CU, CZ, DE, DK, EE, ES, FI, GB, GE, GH, GM, HR, HU, ID, IL, IS, JP, KE, KG, KP , KR, KZ, LC, LK, LR, LS, LT, LU, LV, MD, MG, MK, MN, MW, MX, NO, NZ, PL, PT, RO, RU, SD, SE, SG, SI, SK, SL, TJ, TM, TR, TT, UA, UG, UZ, VN, YU, ZW (71) Applicant 399 Park Avenue, New York, New York 10043, U.S.A. S. A. F-term (reference) 3E040 AA03 BA07 BA18 CA14 CB01 DA02 5B049 BB11 BB49 CC05 CC16 CC36 CC39 EE21 GG03 GG06 5B055 BB03 CB00 CB07 EE03

Claims (54)

[Claims] 1. Obtaining financial and other information at a large mobile passenger vehicle;
A method for performing a transaction and obtaining another service, providing access to a terminal for a user, wherein the terminal is connected to a device for transmitting and receiving data wirelessly; Inputting information for a user; the terminal automatically transmitting the information wirelessly to a wireless communication interface; the wireless communication interface automatically transmitting the information to a communication interface; Transmitting said information to a financial host computer system, wherein said host system keeps a record of a user's account information; and said user obtains financial and other information at his terminal and conducts transactions. And get other services available. 2. The method of claim 1, wherein said terminal automatically transmitting said information wirelessly to a wireless communication interface automatically transmits said information via one of a group of satellite links and wireless communication links. It is composed of a terminal that transmits the information. 3. The method of claim 1, wherein the terminal includes a user interface device remote from the first communication device. 4. The method of claim 3, wherein the user interface device is operatively connected to the first communication device. 5. The method of claim 1, further comprising: user input identification information; wherein the terminal automatically transmits the identification information wirelessly to a wireless communication interface; Transmitting the identification information to a communication interface; the communication interface automatically transmitting the identification information to a financial host computer system, wherein the host system maintains a record of user account information; Automatically verifies the identification information; the host system automatically sends certification information to the communication interface; the communication interface automatically sends the certification information to the wireless communication interface; And said wireless communication interface automatically wirelessly Transmitting the certification information to the terminal. 6. The user obtains financial information and other information at the terminal,
2. The method of claim 1, wherein the user is able to execute a transaction and obtain another service, further comprising the user having the option of selecting one of a group of financial information and transaction functions. The terminal automatically transmits data of the function selected wirelessly to the wireless communication interface; the wireless communication interface automatically transmits data of the selected function to the communication interface; Automatically transmitting the data of the selected function to the financial host computer system, which keeps a record of the user's account information; the host system transmits the data for the selected function. Automatically performing the function in response to data; the host system Transmitting data for a function to the communication interface; the communication interface automatically transmitting data of the executed function to the wireless communication interface; and the wireless communication interface automatically wirelessly transmitting the data for the function. The data of the executed function is transmitted to the terminal. 7. The method of claim 6, wherein the passenger transport comprises one of a group of aircraft, cruise ships, ferries, tour buses, and trains. 8. The method of claim 6, wherein the group of financial information and transaction functions comprises a banking card debit, an electronic prepaid function, an electronic wallet function, and a debit, credit, travel and entertainment or other similar electronic card. Consists of a product account function. 9. The user obtains financial information and other information at the terminal,
The method of claim 1 wherein the transaction can be performed and other services can be obtained, further comprising an option to access a network. 10. The method of claim 9, wherein said network comprises the Internet. 11. The method of claim 9, further comprising the option of making an electronic payment. 12. The method of claim 9, further comprising the option of accessing a non-branded media service if the option to access the network is selected. 13. The system according to claim 1, wherein the user can obtain financial information and other information, execute a transaction, and obtain other services at the terminal.
And providing an option to connect directly to satellite television; and, if the option to connect directly to satellite television is selected, an option to purchase a pay-per-view show. 14. The system according to claim 1, wherein the user can obtain financial information and other information, execute a transaction, and obtain other services at the terminal.
The method further comprising the option of accessing a passenger convenience system. 15. The method of claim 14, wherein the passenger convenience system comprises:
Includes one of the group of video game systems, gambling systems, telephones, document printers, and facsimile machines. 16. The system according to claim 1, wherein the user can obtain financial information and other information, execute a transaction, and obtain other services at the terminal.
Method, with the option of performing an online certification function. 17. The method of claim 16, wherein the on-line qualification function includes one of a group of a debit account, a credit account, a travel account, and an entertainment account for boarding services and goods. . 18. The method of claim 16, wherein said on-line certifying function comprises purchasing a stored value card, loading a microprocessor card for boarding services and merchandise, and providing a prepaid call account. Includes one of the groups that obtain numbers, receive in-seat entertainment system services, receive standalone system services, and download bills from the pocket of a multi-application microprocessor card. 19. The system according to claim 1, wherein the user can obtain financial information and other information, execute a transaction, and obtain other services at the terminal.
With the option to place electronic duty-free / tax-free orders electronically. 20. The method of claim 19, further comprising the option of electronically placing an order, further comprising the option of paying electronically with a delivery name and address, a debit / credit / travel and entertainment card, and receiving the goods. The use of a touch screen to enter at least one of a group of choices for selecting and for delivering the goods to the destination is a requirement. 21. The method of claim 20, further comprising, if a selection is made to deliver the goods to the destination, sending a message to execute the delivery of the goods. 22. The system according to claim 1, wherein the user can obtain financial information and other information, execute a transaction, and obtain other services at the terminal.
And also have the option of conducting a video guided tour of the destination. 23. The user of claim 1, wherein the user can obtain financial information and other information, execute a transaction, and obtain other services at the terminal.
The method further comprises the option of ordering a ticket. 24. The method of claim 23, wherein the tickets are theater tickets, movie tickets, concert tickets, sports event tickets, travel tickets, immigration tickets, transit tickets, bus tickets, and bus tickets. Includes one of the special show tickets. 25. The method of claim 24, wherein the special show ticket is a museum ticket. 26. The system according to claim 1, wherein the user can obtain financial information and other information, execute a transaction, and obtain other services at the terminal.
And further comprising the option of electronically loading loyalty program points from or to at least one of a group of smart cards and loyalty program accounts. 27. The method of claim 26, wherein the loyalty program points can be redeemed for one of a group of goods and services, service enhancements, cash, and points exchanged for other passengers. 28. The user of claim 1, wherein the terminal can obtain financial information and other information, execute a transaction, and obtain other services.
The method further comprises the option of shopping electronically. 29. The user of claim 1, wherein the terminal can obtain financial information and other information, execute a transaction, and obtain other services.
And further have the option to access financial and information services. 30. The method of claim 29, wherein the financial and information services are accessed via a file server located at the large mobile passenger transport. 31. The method of claim 30, wherein the file server has data and the data is updatable via a communication link, the communication link comprising a satellite link and a wireless communication link. Include one of the groups. 32. The user of claim 1, wherein the terminal can obtain financial information and other information, execute a transaction, and obtain other services.
The method further comprises the option of selecting electronically collated delivery via an electronic mailbox. 33. The method of claim 32, further comprising: automatically transmitting a computer message if an electronic collation delivery option is selected; and automatically transmitting the computer message. To the e-mail box. 34. The method of claim 32, wherein promotional information is deliverable to said electronic mailbox. 35. The method of claim 1, wherein the terminal automatically transmitting the information wirelessly to a wireless communication interface is performed over one of a group of satellite links and wireless communication links. And the terminal automatically transmitting the information wirelessly to the wireless communication interface is further configured to automatically and dynamically select a routine. 36. The method of claim 35, wherein automatically and dynamically selecting a routine, further comprising automatically determining the validity of the satellite link and the wireless communication link; Determine the relevant costs for the link; and automatically choose between satellite links and wireless communication links based on availability and cost. 37. A financial and other information, transaction, and other service system for use in a transportation facility, the system comprising: a financial host computer system, which maintains a record of user account information; A plurality of user interface terminals for accessing a financial host computer system, at least one of said terminals being connected to a first communication device for transmitting and receiving data wirelessly, at least one of said terminals being Mounted on the transportation means; operatively connected to at least one of the terminals via the first communication device for transmitting and receiving data wirelessly, and a second for transmitting and receiving data wirelessly. A wireless communication interface comprising a communication device; and A communication interface connected to and connected to the host system; wherein data corresponding to the user account information is transmitted and received wirelessly through the host system, the wireless communication interface, and the interface; Exchanged with at least one of said terminals comprising a first communication device for obtaining information and performing a transaction with said financial host system, further comprising the information and the transaction. Is transmitted and received by at least one of the terminals via coded data exchanged with the financial host system. 38. The financial information and transaction system of claim 37, wherein the wireless communication interface comprises one of a group of satellite links and wireless communication links. 39. The financial information and transaction system of claim 37, wherein at least one of the terminals includes a user interface device remote from the first communication device. 40. The financial information and transaction system of claim 37, wherein the user interface device is interlocked with the first communication device. 41. The financial information and transaction system of claim 37, wherein at least one of said terminals comprises a dynamic routine selector. 42. The method of claim 41, wherein said dynamic routine selector comprises: means for automatically determining the validity of satellite links and wireless communication links; Means for automatically determining an associated cost of the satellite link; and means for automatically selecting between the satellite link and the wireless communication link based on availability and cost. 43. The financial information and transaction system of claim 37, wherein said communication interface comprises a dynamic routine selector. 44. The financial information and transaction system of claim 37, wherein the wireless communication interface comprises a dynamic routine selector. 45. The financial information and transaction system of claim 37, wherein said financial host computer system comprises a dynamic routine selector. 46. The financial information and transaction system of claim 37, wherein the terminal further comprises a smart card device. 47. The financial information and transaction system of claim 37, wherein the data is encoded via the use of a smart card. 48. The financial information and transaction system of claim 37, wherein the at least one terminal has security for controlling access to various physical locations each associated with a smart card reader. In conjunction with the system, the security system can access various locations by adapting information stored on a user's smart card inserted into the associated smart card reader. 49. The financial information and transaction system according to claim 37, wherein the terminal comprises an automatic teller machine. 50. The financial information and transaction system of claim 37, wherein said terminal comprises a foreign currency exchange device. 51. The financial information and transaction system of claim 37, further comprising:
It comprises a host computer for a network, wherein at least one of the terminals is connectable to the network via the host computer. 52. The financial information and transaction system of claim 51, wherein said network is the Internet. 53. The financial information and transaction system of claim 37, wherein at least one of the plurality of user interface terminals further comprises an Internet browser. 54. A system for obtaining financial and other information, performing a transaction, and receiving other services in a large mobile passenger transportation means, comprising: means for accessing a terminal for a user; The terminal is connected to a device for transmitting and receiving data wirelessly; means for inputting information for the user; the terminal automatically transmitting the information wirelessly to a wireless communication interface; Means for the wireless communication interface to automatically send the information to a communication interface; means for the communication interface to automatically send the information to a financial host computer system, wherein the host system is adapted to record user account information. And the user obtains financial information and executes transactions at the terminal. The means to be able to go.