RU2005105570A - Модуль сотового телефона для чтения кредитных карточек и способ верификации сотового радиотелефона для осуществления сделки - Google Patents
Модуль сотового телефона для чтения кредитных карточек и способ верификации сотового радиотелефона для осуществления сделки Download PDFInfo
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- RU2005105570A RU2005105570A RU2005105570/09A RU2005105570A RU2005105570A RU 2005105570 A RU2005105570 A RU 2005105570A RU 2005105570/09 A RU2005105570/09 A RU 2005105570/09A RU 2005105570 A RU2005105570 A RU 2005105570A RU 2005105570 A RU2005105570 A RU 2005105570A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
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- 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3226—Use of secure elements separate from 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
- G06Q20/34—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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C9/00—Individual registration on entry or exit
- G07C9/30—Individual registration on entry or exit not involving the use of a pass
- G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
- G07C9/37—Individual registration on entry or exit not involving the use of a pass in combination with an identity check using biometric data, e.g. fingerprints, iris scans or voice recognition
-
- 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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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/0018—Constructional details, e.g. of drawer, printing means, input means
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04B—TRANSMISSION
- H04B1/00—Details of transmission systems, not covered by a single one of groups H04B3/00 - H04B13/00; Details of transmission systems not characterised by the medium used for transmission
- H04B1/38—Transceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving
- H04B1/40—Circuits
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M1/00—Substation equipment, e.g. for use by subscribers
- H04M1/72—Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
- H04M1/724—User interfaces specially adapted for cordless or mobile telephones
- H04M1/72403—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality
- H04M1/72409—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality by interfacing with external accessories
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2250/00—Details of telephonic subscriber devices
- H04M2250/14—Details of telephonic subscriber devices including a card reading device
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Human Computer Interaction (AREA)
- Signal Processing (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Artificial Intelligence (AREA)
- Computer Vision & Pattern Recognition (AREA)
- Telephone Function (AREA)
- Telephonic Communication Services (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Mobile Radio Communication Systems (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Telephone Set Structure (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Claims (23)
1. Модуль для сотового телефона, содержащий автономный корпус, включающий съемную соединительную часть первого порта данных, имеющую соединитель, предназначенный для соединения с портом данных сотового телефона, к которому обеспечивается доступ без удаления батареи сотового телефона: слот считывания карточки, сформированный в указанном автономном корпусе и предназначенный для считывания информации с информационной полоски на кредитной карточке; процессор и блок управления связью, который содержит схемы, выполняющие следующие операции: (i) получают информацию с кредитной карточки через устройство считывания карточки, (ii) запрашивают дополнительную информацию от схем в указанном автономном корпусе, при этом указанная дополнительная информация подтверждает, что владелец кредитной карточки фактически присутствует; и (iii) кодирует информацию и посылает указанную информацию через указанный порт данных указанного сотового телефона в центр обработки данных.
2. Модуль по п.1, в котором указанный запрос на дополнительную информацию содержит приглашение пользователю на ввод информацию о водительских правах через слот считывания кредитной карточки.
3. Модуль по п.1, дополнительно содержащий считыватель отпечатков пальцев, и в котором указанная указанный запрос содержит приглашение пользователю, чтобы он вложил палец в указанный считыватель отпечатков пальцев для ввода указанной дополнительной информации.
4. Модуль по п.1, дополнительно содержащий устройство считывания кредитной карточки с микропроцессором.
5. Модуль по п.1, дополнительно содержащий беспроводной принтер, печатающий информацию, связанную со сделкой.
6. Модуль по п.1, в котором указанный корпус имеет внутренние поверхности, которые прижимаются к внешним поверхностям сотового телефона в положении, в котором указанный порт данных может непосредственно входить в указанный портативный телефон.
7. Модуль по п.1, в котором указанный порт данных выполнен в виде соединителя и провода, прикрепленного к указанному корпусу.
8. Модуль по п.1, в котором указанный процессор и блок управления связью управляют сотовым телефоном, чтобы инициировать сеанс связи по IP-протоколу на основе информации, полученной через слот чтения кредитной карточки.
9. Модуль по п.8, в котором, указанный процессор и блок управления связью также включают схему шифрования для шифрования пересылаемой информации.
10. Модуль по п.2, в котором указанное устройство считывания кредитной карточки и указанный процессор с блоком управления связью получают питание от батареи сотового телефона.
11. Модуль по п.10, дополнительно содержащий схему перехода в дежурный режим, который снижает энергопотребление указанного устройства считывания кредитной карточки, процессора и блока связи после использования, и восстанавливает питание устройства считывания кредитной карточки, процессора и блока связи в режиме использования.
12. Модуль по п.11, в котором указанная дополнительная информация содержит информацию об обнаружении карточки, проходящей через указанный паз считывания карточки.
13. Способ, для верификации сотового телефона для осуществления сделки, предусматривающий наличие приспособления для соединения автономного переносного модуля с портом данных сотового телефона, к которому можно иметь доступ без удаления батареи сотового телефона, используя устройство считывания карточки в указанном автономном переносном модуле, чтобы получить информацию о кредитной карточке, связанной с осуществляемой сделкой, включающий запрос пользователю о его идентификации, используя схемы на автономном переносном модуле, при этом указанная идентификация обозначает, что пользователь фактически присутствует; и
управление сотовым телефоном на основе полученной информации, чтобы передать информацию о сделке компании, продающей товары по кредитным карточкам, и получить либо одобрение, либо неодобрение сделки на основе этой информации.
14. Способ по п.13, дополнительно обеспечивающий питание устройства считывания карточки и схему обработки в автономном переносном модуле от батареи сотового телефона.
15. Способ по п.13, в котором указанное приспособление имеет поверхности скольжения переносного модуля по внешним поверхностям сотового телефона, чтобы ввести порт данных в сотовый телефон.
16. Способ по п.13, в котором указанное приспособление обеспечивает подключение кабеля от модуля в сотовый телефон.
17. Способ по п.13, в котором указанный запрос пользователю на выполнение идентификации содержит предложение пользователю повести удостоверение личности через паз считывания карточки.
18. Способ по п.13, в котором указанное предложение пользователю на выполнение идентификации включает использование внутреннего считывателя отпечатка пальца, чтобы считать информацию отпечатка пальца пользователя.
19. Способ по п.13, дополнительно содержащий использование сканера на модуле для сканирования штрихового кода и использования информации от штрихового кода в виде информации, связанной со сделкой.
20. Способ, для верификции сотового телефона для осуществления сделки, включающий соединение сменного приспособления с портом данных сотового телефона, при этом такое соединение должно быть выполнено без удаления батареи сотового телефона, при этом внешние поверхности сменного приспособления прижаты к внешним поверхностям сотового телефона, и соединитель на сменного приспособлении вставлен в соответствующий соединитель сотового телефона, при этом соединитель сотового телефона обеспечивает передачу тока питания и данных к ресурсам сотового телефона; считывание карточки, пропускаемой через устройство считывания карточки в сменном приспособлении и получение информации с кредитной карточки благодаря пропуску указанной карточки через устройство считывания; на основании полученной информации пользователь получает запрос на передачу информации, связанной со сделкой; кроме того, пользователь получает приглашение на передачу дополнительной идентифицирующей информации помимо информации о кредитной карточке, при этом дополнительная идентифицирующая информация передается через схему на съемном приспособлении; организуется сеанс связи по IP-протоколу на основе полученной информации о кредитной карточке, и посылка указанной информации о кредитной карточке вместе с указанной информацией, связанной со сделкой, на удаленный центр обработки кредитной карточки; и получение либо одобрения, либо неодобрения сделки от указанного удаленного центра обработки кредитной карточки.
21. Способ по п.20, в котором указанное приглашение пользователю на передачу информации, связанной со сделкой, содержит подсказку пользователю о передаче информации о водительских правах через слот считывания карточки.
22. Способ по п.20, в котором указанный запрос пользователю на обеспечение информации, связанной со сделкой, содержит приглашение пользователю использовать считыватель отпечатка пальца, который расположен на указанном съемном приспособлении, для ввода отпечатка пальца в устройство.
23. Способ по п.20, дополнительно содержащий использование сканера на съемном устройстве, чтобы просмотреть штрих-полосу из 8 кодов и использовать информацию указанного штрихового кода в качестве части указанной сделки.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US10/207,730 | 2002-07-30 | ||
US10/207,730 US20040104268A1 (en) | 2002-07-30 | 2002-07-30 | Plug in credit card reader module for wireless cellular phone verifications |
Publications (1)
Publication Number | Publication Date |
---|---|
RU2005105570A true RU2005105570A (ru) | 2005-08-27 |
Family
ID=32392300
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
RU2005105570/09A RU2005105570A (ru) | 2002-07-30 | 2003-07-24 | Модуль сотового телефона для чтения кредитных карточек и способ верификации сотового радиотелефона для осуществления сделки |
Country Status (10)
Country | Link |
---|---|
US (1) | US20040104268A1 (ru) |
EP (1) | EP1546990A4 (ru) |
JP (1) | JP2006514767A (ru) |
KR (1) | KR20050039836A (ru) |
CN (1) | CN1682240A (ru) |
AU (1) | AU2003263807A1 (ru) |
CA (1) | CA2495947A1 (ru) |
MX (1) | MXPA05002195A (ru) |
RU (1) | RU2005105570A (ru) |
WO (1) | WO2004095355A1 (ru) |
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CN1682240A (zh) | 2005-10-12 |
JP2006514767A (ja) | 2006-05-11 |
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AU2003263807A1 (en) | 2004-11-19 |
MXPA05002195A (es) | 2005-09-12 |
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