TWI309025B - Payment terminal device for payment data exchange - Google Patents

Description

1309025 IX. Description of the Invention: [Technical Field] The present invention relates to a system for use in a point of sale (P〇S) device, such as a vending machine, etc., and a Financial transaction data (including authentication, authorization) between a payment center or an authorization center (the entity responsible for the authentication, authorization, and related payment and settlement procedures of the transaction) (authorisation) is exchanged with payment materials, etc., and there is a payment terminal device that is used in one payment system. [Prior Art] Mobile phones have become quite popular throughout the world and have recently provided many advanced applications in data communication. One of the hottest new services is payment via mobile phone, commonly referred to as “m_payment.” There are many actionable payment options, most of which are based on wireless application protocols (wireless A).卯With this (10)

Protocol, WAP) technology, which can take all the benefits of the Internet disk action: = two = solution to use to call - special payment terminal θ #二二中心 or - user or user is enabled. However, "Don't pay for the pain quickly accepts the formation of a serious barrier to the Internet, the cost of its acquisition and operation costs to the H terminal. Especially 苴θ.. θ ra. ^ Know the payment includes one phase /疋 坆疋 坆疋 为 为 母 一 一 一 : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : Each of the known systems on the U said that some current mobile phone = alias is provided to the payment terminal, all of which makes the payment process even more. (4) There are some solutions on the market, Leo-Barcode, or nearby One of the telephones allows the payment terminal to read and start an authorization process. [Summary of the Invention] Therefore, one of the objects of the present invention is to provide a payment terminal for a payment system that can avoid a connection to a mobile phone to a The problem caused by different mobile phone standard specifications when paying for a terminal device. Preferably, it has a terminal to provide a very simple, fast and easy to use tool. Yes, it has a simple, fast and reliable system and is the simplest connection between the mobile terminal device and the payment terminal device. This object can be achieved by the payment terminal as described in the scope of the patent application. The device is used to solve the problem. The death terminal is sold to a sales point (pοιηι 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 f includes a first and second interface device, and a data processing device. The first interface U is: a playable connection between the mobile phone and the payment terminal device, and the data message is transmitted between the mobile phone and the payment device. The message may be a sound or a sound data. The second interface device is connected to the payment terminal device and the heart to transfer the payment between the payment terminal device and the payment center. The knot can be released. The data processing device is coupled to the second--second interface device, 12274pm 7 1309025 for processing the first-to-second interface device, Generating, sending the data to the first or the second interface device. The catching interface first interface device 'including a connecting device' is used to connect the continuous interface to the mobile phone. The connecting device is for transmitting the The connection device _ 1-interface device transmits the data transmission between the mobile phone and the information requested in the opposite direction or in the opposite direction. The first interface allows the payment device itself to be connected to the payment. The supplier of the point-of-sale (p〇s) device can be notified, for example, when dimension 4 is required. The second interface is also advantageous, that is, the number directly connected between the mobile phone and the payment terminal. Can be shortened. The second gamma plane can be releasably connected to the payment center. Further, the second interface can include, for example, a wireless communication modem, a wired communication modem, such as a public switched telephone network. Road (PubHc Switched Tdeph_

Network, PSTN) data machine, an integrated service digital network (4)

Services Digital Network, ISDN) Data Machine, Cable Data Machine (Cable

Modem) or a Global System for Mobile Communications (Gi〇bal Sim M〇bU, GSM) ' or a universal mobile telecommunications service (UMTS) modem for connecting to the associated network to receive from the payment terminal The device provides a second direct connection to the payment center. The second interface device includes a device for converting data transmitted between the second interface device and the payment center, by means of the data processed by the processing device and the payment center, and in the opposite direction Transmission is also possible. This first interface enables an authorization process to be feasible. It is not necessary to transmit all the authorization data through the first 12274pii, l 8 1309025 interface, but only the part of the authorization data, and the user is interspersed with the program. One of the tasks of the first interface is to help the payment terminal to determine the δ Xuan (telephone) number, or the identity of the other mobile phone and the number of the payment terminal. The second interface device can be used for different tasks. For example, one of the tasks can be to 'simplify the use of payment terminals. One of the problems with this system is that the user (or the user's mobile phone), the point of sale (P0S) device that is close to the user's mobile phone, and the total amount of the payment transaction must be confirmed. 5 Xuan phone identity authentication or the user can, for example, say that the body is wrongly transmitted by an automatic call 5 tiger code as a 'caller identity sentence, card, for example, 攸 mobile phone s tongue dial Or, the inquiry by the Subscriber Identification Member (SIM) card of the mobile phone is 60%. The identity authentication of the user's phone can be performed very simply or even automatically. The identity authentication of the point of sale (P0S) device can be performed, for example, by transmitting an identity authentication code from the terminal device to the payment center. Preferably, the identity authentication can be performed by a circle transmission, e.g., by the payment center, from the payment center to the mobile phone by the payment terminal. The transfer can also be initiated from the payment device or from the intrusion call. The "surround transmission" can also be used to set the connection to the payment terminal device or point-of-sale (P0S) device. Other tasks can be used to shorten the communication time between mobile phones.妒AAnn*pE1 θL β ’, 』 Τ 之 纟 纟 纟 纟 纟 纟 纟 纟 纟 纟 纟 纟 的 的 的 的 的 的 的 具有 具有 具有Between action 2274 ρίΠ 1309025 The short communication time between the telephone device and the payment terminal is less error in the transmission. The shortened time is that the customer needs to call the mobile phone every ==? Less communication costs. According to the design of the Ding and the clothing store, the payment terminal device or the payment device initiates a connection between the payment center and the payment terminal device. 'Drive transmission; and the information between the payment terminal device - between the end-of-life and the payment terminal is widely used, and the payment is final. This package can be monitored by the user. ; 本 ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; Therefore, the terminal between the terminal and the payment center can be at least - between payment and inspection. The other side of the one-way data transmission is easy to be - the distance between the microphones of the user's mobile phone 3 solid:: between the speaker and the different line, say 'between Η and 5cm. Between and how to change, between the terminal machine - one-way transmission,: mobile phone device and payment end: adjust the microphone and payment terminal ^_ mobile phone, can be - adaptation mechanism. One-way data transmission: - the distance between the speakers. The position of the microphone of the mobile device, the traitor is, compared to his line ^ position. Another one-way data transmission is easier to know that the speaker J:, the phone's end does not come with the user's point of view - the point of view of hygiene, access to the payment terminal device. The skin contact, but the placement of the car is better than that of the first interface device. This data is 1 2 2 74 p i t'| 1309025 and is therefore %,, and. Connecting to the 5H connection device for converting data transmitted between the mobile phone and the processing device through the connection device and the first interface device. Two data machines can be used to efficiently carry out data transfer between the processing device and the mobile device. The data machine can also be used to adjust the difficulty of actually using (4) of the transmitted mobile phone. The modem can be used to modulate the data to conform to the connected device. ...preferably, the information transmitted between the data machine and the mobile phone, including sound data or acoustic data. One of the great benefits of the Month Bay example is that the transmission of payment data between the mobile phone and the payment terminal device uses the voice data message to be considered by all phone manufacturers to be the only standard. The scale data transmission can significantly reduce the complexity of the communication interface of the payment terminal device, and the cost associated with it, because the data associated with the sonic connection m is transmitted in the payment terminal without any difficulty.曰 A data message or a voice message is a special form of a successful or designated message that is used to exchange and exchange sounds used in a line-scale network. The π person terminal device is used to connect to a sales Ρ0 device ((4) vending machine, etc.), a payment center, and includes an interface device for arranging the land connection payment terminal device to the action. phone. The second = face cost is that the user benefits from the system and the simplified operation of the payment:: sequence. Between the payment terminal and the payment, between the second connection, the savings are provided for the authentication - pm: the success of the number - the loss of the person. In addition, the dialer can be saved by 1309025' if the user enables the shortened dialing number in the payment center. Even if the payment terminal uses a two-way (tw〇, ay) interface to a point of sale (POS), the sum input can be saved. Having a two-way point of sale (POS) "face" A user can simply press the shortened dial button on his phone to press the mobile phone on the payment terminal, and Wait for the product's 0 service. This light-sending provides a fast (four) single payment terminal (four). This allows for the simplest point of sale (POS) payment, that is, the one-handed drop of the two-button is that the user can be at the point of sale (P0S) device, press: 'use the payment terminal, alone . Connect to the payment center ^ = The user does not even have to press the hidden right, 3 methods can be used before the payment process, "confirm, the button is used. I" makes the extra frequency better, the connection is cracked The sound wave signal is transmitted in the form of a sound wave signal, for example, the sound data message is written by its sound, and the frequency band of the sound is used as a sound or in humans. lose. The sonic coupler allows the payment terminal device to connect = carrier to transmit the phone, including what is currently used and what may be done in the future, and does not require any modification to the different mobile phone itself. : The phone, and the shape of the wave coupler, should make the mobile phone microphone ok, in terms of voice, and vice versa, so it can be operated even if it is in the same way. The use of a sub-sound or ambient-sound wave coupler has the added benefit of being a human K, between the mobile power 1 2274 pifl 1309025 and the data connection between the payment terminal and the payment terminal is universal and can be used by any Depends on the connection n, the manufacturer's design 'and the appropriate interface = to use. Because only a small amount of data is transmitted between the mobile phone and the final device. The shouting coupler does not need to have a high data transfer rate. Preferably, the sonic coupling has a microphone for connecting. To the mobile phone L. The advantage of this design is that from the supplier's point of view, 'the user's mobile phone only has the payment center, and the payment center can be simply equipped with - fraud prevention (fraud - Mon)糸丝。 Cargo good 疋, the sonic coupling has a speaker (loud to connect with the mobile phone) microphone. The advantage of this design is that, from the supplier's point of view, the user's mobile phone is only connected to the payment device, and is used as a part-time (four) delivery station (a coffee station) for a part of the message used for authentication. The data transmitted through the mobile telephone voice channel, whether encrypted or not, can simply be used as a mobile phone standard specification. The system can be used with analog mobile phone systems (4), with Global Mobile (4) (GSM) or with Global Mobile Communications (UMTS) or with the local mobile phone system i. The capital _ change can be dual-tone multi-frequency _ _ _

MultlFrequency, DTMF) or any other data modulation can be transmitted, for example, through a sound channel. 〃 η is the second connection between the payment terminal and the payment center, which constructs a system that is often simple to bury. In a very simple embodiment of the invention,

| 2 2 7 4 ρ ί ΓI 1309025 For the split-station transfer station (4) ay — n) Between the mobile power L cattle ^, ^ Ding mobile phone sales point (p〇s) device. In a second payment terminal, it is only for confirmation, the mobile phone is in the vicinity of the pin and the POS conversation, and in the second step, the point of sale (p(10) device transmits two,: for example, the child's selected product The price to the payment center 'j' &lt; step 'm ' for example, 'by the user to enter the payment execution' the product is approved. Preferably, in order to make the sonic coupling suitable for different kinds of mobile phones 'The distance between the microphone and the dream is adjustable. In the preferred embodiment of the present invention, there are several additional options for the connection of the payment terminal to the mobile phone. First, the bitwise connection between the payment terminal and the mobile phone is through a wired device (wiredoption), wherein the connecting device has an electronic plug connection device for electrically connecting to one of the mobile phones. Connection benefit, the exchange of information or voice data between the mobile phone and the connection device in the form of an electronic signal. The plug connection device can have a plurality of different plug connectors for connecting Different types of plug connectors for different types of mobile phones. The plug connector can be permeable, for example, 'multi pul1 out wire rack with one of the automatic winding mechanisms' A refueling pump is obtained. Other linkages between the payment terminal and the second option' include infrared radiation (IR) communication, wherein the payment terminal connection device or interface device includes one The infrared interface communicates with the infrared interface associated with the mobile phone I 2 274 pifl 1309025, exchanging messages or voice data messages between the payment terminal and the mobile phone in the form of an infrared signal. This is in all the latest, for example It is feasible to have an IrDA interface mobile phone. This option makes it possible to have a higher data rate and shorter transaction time. Another good connection between the payment terminal and the second option, including the radio. Radio frequency (RF) communication in which a connection device or interface device of a payment terminal includes a radio frequency interface Communicates with a radio frequency interface associated with a mobile phone, exchanging messages or trumpet information between the payment terminal and the mobile phone in the form of a radio frequency signal. Bluetooth (Bluet00th) and wireless local area network (wirdess) Local Area Network, WLAN) 'For example, 'This area is standard, however, other radio frequency communication protocols are possible. This radio frequency communication interface enables contactless transactions for the highest level of user confirmation. In a preferred embodiment, the payment terminal device has a data processing device 'including at least one communication processor having a cryptographic capability for converting the data into a password to generate a highly confidential gift or Establish a data communication. The encryption function may have different values such as Data Encryption Standard (DES), (Rivest-Shamir-Adleman, RSA), and the like. The two-way connection payment terminal, the charging function of the clothing, can be minimized. In order to avoid being abused, the two channels between the payment terminal and the payment center can be translated into a password through the mobile phone through the mobile phone. A cryptographic action 1309025: The device can be included in the transmission terminal device by means of the omitting 1 - random key through the two connections to the payment terminal, such as a data entry device (10):. The disk allows the user to select the predetermined service or the amount of rP0S): person, terminal. The input device can be used with the point of sale number ^ as the terminal for the smart phone, = to dial the number to the payment center - such as Ge =:: DTMF dialing, and then pay for the exchange The center-to-payment terminal device or point of sale _^^= is the release of the product selected from the delivery. (S) The 'transfer terminal device' may include, for example, if the user has any need, use the built-in printer to confirm the receipt. W print the actual payment program to the user, Example I: Set J - display device to display the message field to 4 · condition 'Fuqiu private order different steps, use; ^ - Du combination: = for: Terminal device. The terminal can be exchanged with the point-of-sale (2) terminal, and can only be selected from the payment terminal, and the terminal device can include additional communication devices, such as singularly, 1 _, for example, Gongqing STN The data machine, the integrated service bribe network to the ^ phase ^ 1 line data reduction - GSM data machine, used to connect to the relevant network to provide maintenance services. I 2274 pit'| 1309025 Preferably, the payment terminal device includes an interface to at least one point of sale (POS) device. Thus, a single payment terminal device can be used with one of the vending machines or the like to reduce the number of point-of-sale (POS) devices required for the terminal to be used. According to another aspect of a point of sale (POS) device in accordance with the present invention, for example, a vending machine having one of the integrated payment terminals as described above is provided. One of the great benefits is that the interface to the vending machine can be omitted. The second advantage is that an integrated payment terminal device can better prevent damage and damage. Another added benefit is that existing vending machines and point-of-sale (POS) devices are coupled to a power source. This can save an extra power supply for the payment terminal device, and during installation, the communication link or the second communication interface can be coupled during installation. The payment terminal device can be equipped with an additional connection to other computer systems, such as a point-of-sale (POSS) computer system or a payment agreement server, a user behavior database, a service server, or the like. system. There are many applications that can be implemented by the payment terminal device or point of sale (POS) device of the present invention. The present invention can be applied, for example, to vending machines for various products such as beverages, food, cigarettes, magazines, condoms and the like. In addition, public self-service stations, such as point-of-sale (70S) stations, such as gas stations, copiers, internet access, car wash, laundry, jukeboxe, carpool, etc. can be used. The payment terminal device of the invention. Also, various ticket purchasing stations of the present invention can be used, such as for buses, trains, movie theaters, and the like. It can be used for various stores to pay for 12274ρΗΊ 1309025 authorization and execution (EFTP〇s), online shopping, TV shopping and other businesses using traditional payment methods, such as credit cards, bank checks, cash, etc. System or payment terminal device. Payment authorization and enforcement have the added benefit that, for example, a cigarette vendor or a liquor dispenser can use the payment terminal device of the present invention in accordance with the law for juvenile protection (laws for the pr〇tecti〇n 〇fy〇ung pc〇pk) Confirm the age. The vending machine interface can provide industry-specific standards, such as MDBs and executives, as well as its own protocol, which can be used to connect to specific devices, such as electronic cash registers. ), parking meters, taximeters, etc. A more preferred embodiment of the invention is mentioned in the dependents. The above and other objects, features, and advantages of the present invention will become more <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; A system in accordance with an embodiment of the present invention includes a payment center authorization center 1 (an entity responsible for authentication, authorization, and related payment and settlement procedures of the transaction), similar to an authorization for credit card authorization Center, and can be connected to other financial information systems by means of a data communication connection 6 such as a bank, a mobile voice network 5 or a mobile telephone network, such as a GSM network, a mobile telephone 14 and a payment terminal device 1 That is, the payment terminal device 1〇町 is connected to a point-of-sale (POS) station or device 26 via a mobile phone 14' coupled to a user and via a data communication connection 1309025 13. The payment center 1 includes a communication interface for connecting the payment center to the subscription sound network 5, and a user database for storing each user's related information, for example, including at least a telephone number and an associated PIN code. A payment method agreed with the customer, for example, from a credit card, from a bank account, etc., is assigned to each user, and optionally includes, for example, a customer relationship management (jlM), customer The comprehensive information of the purchase, as well as the possibility of personalized service, announcement, etc., and the password of the selective user, as well as a contact', connected to a other financial message via the data communication link^ The human interface can be connected to this by a two-way data connection: a user database can be connected to the parent interface and to the communication interface by means of a data communication line. The terminal device 10 includes a data processing device 11 interface fWlQ. The clothing device 11 is connected to the Bayer. The two-way data communication line 23 or the data 1 connection is connected by one-way or one-way data. Payment terminal device ^ ^ such as '-sequence or a flat carrier, coupled to a mobile phone', 4 = tone as a message 24 brain system or a communication processor, two or two processing devices, based on a micro-power 13, to Externally connected to the sales unit by means of a data communication line or signal line (request/rdease) mechanical device, j clothing, or - request / release vending machine 26, or similar or a lock point (P〇S) device unit, or The payment terminal device 1 is connected to the Shiyi 19, and includes a data machine 12 and a connection data to the mobile phone 14. Connecting device 1 2 2 7 4 pi Γ1 1309025 2〇 You can use - sonic coupling or use the microphone 17's sounder's to make the material sound as i wave to contact or fix the sound wave coupling with &amp; The mobile phone 14 is a speaker who can use the system of the present invention, requires the phone M, and the user needs to be in the payment center at the person-specific account. Preferably, the amount can be calculated into an electricity bill or a prepaid amount. The setting of this account is basically the agreement between the payment center 1 and the two parties. These parameters include - or multiple mobile phone numbers, such as a different user identity (simple) card number. The payment method, for example, includes the current account, credit card, and the like. Additional _ plus services, including the ability to increase the integrity of both parties, such as transaction restrictions, passwords / authentication codes. And the additional services outside the 'include' can increase the flexibility of the user, for example, multiple accounts. The user can change the parameters of the agreement stored in one of the payment centers of the payment center, through the user's monthly service supported by the payment center, through the Internet service, and the Wireless Application Protocol (WAP). Similar services. The authorization center may require the user or a special identity authentication code for each user under the framework of its business policy. When participating in the system of the present invention, the authentication code is not used to disclose the mobile phone of the user. The number is given to other relevant departments and the user is protected by privacy. Next, when the system invented in Fig. 1 is used, the sister's sentence procedure will be described. In the first step, the user decides to purchase at a cashier's office or by using the payment terminal to install 12274pifl 20 1309025. The user uses his mobile phone 丨4 to make a call 28 to the payment center 1 via the έ 动 动 动 网络 网络 网络. In the second step, the payment center 1 uses the identity of the caller to establish a decision as to whether the caller is a registered user of the system. If the confirmation is not successful, the payment center 1 terminates the connection made by the user or the mobile phone 14. After successful authentication as described in the paragraph, the user is required to enter his password/authentication code'. If the user parameter is in the user database (subscribers such as baSe), the user's authentication is required. The user inputs the code by pressing one of the mobile phones 14. In the next step, the payment center checks the password/authentication code received from the mobile phone 丨4 through the mobile voice network 5 and compares it with the password/authentication code of the storage party and the user database. If the authentication is not successful (for example, the code entered is not related to the code in the database), the payment center j, 'winter money. If the authentication is successful, the payment center instructs the user to place the sonic connection benefit of the connected device of the payment terminal device. The payment terminal device can display a user message, for example, on a display device, showing how to place a mobile phone to the sonic joint to cry. The payment center can be overweighted by the establishment of the 2 = material or payment data by the mobile power (4), which can be overweight by the processing device on the side of the transaction and the payment center (cryPt〇gr_c) Curry). The location of the ^ is also added to the side of the 10th please ^ 收衣置11 control payment terminal installed in the next step, the payment center 1 check whether the transaction information, and the use of 1309025 account (transaction limit...) detailed record Phase_, and through the second direct connection 32 between the payment center 1 and the payment terminal 11, the transaction is rejected or rejected. If the transaction is approved by the payment center, the terminal device 10 sends out a signal material generated by the processing device ,1, through the connection 13 to the released mechanical device or point of sale (p〇s) final = 26 And sell the goods in order to release the goods that have been paid, or to approve the services provided by the devices, or to display the approval information, if the sales have been performed by a salesperson. ° In summary, the payment terminal device only includes a microphone 18. The microphone 18 is used to receive a transaction code from the payment center 1. The transaction code is used to match the payment terminal information with the user data that has been collected from the telephone number 4. Authentication and payment authorization is done through an additional communication interface 25, preferably a wireless communication interface, such as the General Packet Radio Service (GPRS) or Global Mobile Communications Service (UMTS), or through A fixed network route, such as an Integrated Services Digital Network (ISDN), Public Switched Telephone Network (PSTN) or the like. The terminal includes a means for connecting to a vending machine 26, an electronic cash register or similar device requiring payment authorization. The payment is initiated by the user's phone 14, and a call to the payment center 1 is established 28. After the identity and payment device is selected, the user is instructed to place the phone's speaker 16 (usually at the top of the handset) near the terminal's microphone] 8 (which may be schematically depicted). At the same time, α Haizhong Q begins the transmission of the parental data, which can be random (and can also be used for the purpose of encryption/digital signature). When the terminal receives the valid 1 2 2 7 4 p i r! 22 1309025, it connects to the center 1 through the first communication interface 25, and transmits the data to be 5. At this time, the center '1 stops transmitting the information through the voice tongue 14 and starts to perform the payment authorization through the second communication channel 32. Figure 2 is a schematic diagram showing the use of a payment terminal device and a washing system in accordance with another embodiment of the present invention. The embodiment of Fig. 2 is basically the same as Fig. 1 . As the first! As shown in the figure, the interface of the payment terminal is installed to the data machine 丨 2 and the connection device 2 连接 for connecting the data machine 丨 2 弘力弘活14. In the present embodiment, the data machine 12 acts as a sonic wave junction and a knotter together with the sound of the sound. The difference from Fig. 1 is that ''connecting device 20::: using a sound wave coupling or a sound wave coupling with the towerer 17, using the tower as a carrier to transmit a message to contact or fix to the connecting device Trip (4) Word 14 - Microphone 丨 5. Therefore, the second set includes ... Phantom 7 to replace the microphone 18. This, inverting, design heart = in the payment m illusion 7 to the mobile phone's microphone 15 = the direction of data transmission 'replaces from the mobile phone to the payment center to pay ΐ direction 3 Bu can be ribbed from the payment terminal device 】 1 mountain, = center 1, convey a very similar transaction code, which can be the final yarn = poor material and the information. However, in this design, use ^ to (for example, by pressing a button) to place through the remaining eight disks, the microphone (not shown) (the position can be significantly changed from: can be changed two or two = Other forms) close to the eight, requesting the transfer of information. This Bob / brother, in the vicinity of the payment terminal device, cries the reference number in Figure 2, in the above related picture 2: = not mentioned, all have the same reference number as in Figure 1 The components described in 2742274pin 23 1309025 have the same effect. It is more important to note that because the payment terminal can be used to prevent fraud protection, it can or can choose the direction of communication between the payment terminal device and the mobile phone to provide additional security. It should be noted that the present invention does not require modification of the phone in any way, nor does it require processing any message other than the sound function. The only primary solution in the absence of a Personal Identification Number (PIN) is the telephone or one of the mobile phone networks used for network authentication. It should be noted that the "data machine" described in the present invention describes an electronic component used as a modulator/demodulator, a device used only as a modulator, and only used. As a device for the demodulator. In the present invention, the described data machine is only described in terms of a set of statements and a set of rights to conform to the embodiments of the figures. Use only tune

A device of a transformer or a payment device using only a device of a demodulator is also within the scope of the invention. X, although the invention has been disclosed above in a preferred embodiment, it is not intended to limit the invention, and anyone skilled in the art can make some modifications and retouching without departing from the invention. The scope of the invention = the scope of the attached product is subject to the definition. ', [Simple description of the drawing] Le 1 is a schematic diagram showing the use of a payment terminal device - the steam system according to the present invention - the preferred embodiment, and the second circle is a schematic diagram showing the use of a payment terminal The device is a further embodiment according to the invention. No 1309025 [Description of main component symbols] 1 : Payment Center Authorization Center 5: Mobile Voice Network 6, 13: Data Communication Connection 10: Payment Terminal Device 11: Data Processing Device 12: Data Machine 13: Connection 14: Mobile Phone 15, 17, 18: Microphone 16: Speaker 19: Interface device 20: Connection device 23: Data communication line 24: Message 25: Communication interface 26: Point of sale (POS) station or device 2 8. Call 30: Transmission 31: Transmission direction 32: Second direct connection 12 2 7 4 pm

Claims (1)

Revision period: January 21, 1998, t921 (four) reversal corrections \§; J on: .; order 2j74p; iV-, mouth .... irrigation · for: ~-> 丨丨丨 - .. . . . . . . . . . . . . . . . V. Patent application scope 1. A payment terminal device (10) for connecting to a Point of Sale (P0S) device a mobile phone (14) and a payment center (1), wherein the payment terminal device (10) comprises: a first interface device (19) for releasably connecting the mobile phone (14) to the payment terminal a device (10) for transmitting a data message between the mobile phone (14) and the payment terminal device (10); a second interface device (25) for connecting the payment terminal device (10) with the payment center (1) for transmitting a data message between the payment terminal device (10) and the payment center (1), and a data processing device (11) coupled to the first and second interface devices (19, 25) For processing data received from the first and second interface devices (19, 25) and for generating funds transmitted to the first and/or second interface devices (19, 25) The first interface device (19) includes a connecting device (20) for connecting the first interface device (19) to the mobile phone (14) for transmitting the first interface device (19). Transmitting data between the mobile phone (14) and the data processing device (11), wherein the first interface device (19) includes a data device (12) connected to the connection device (20) for transmitting the An interface device (19) for converting the data transmitted between the mobile phone (14) and the data processing device (11), wherein the mobile phone (12) and the data processing device are transmitted through the data device (12) (11) The data transmitted between (11) is transmitted between the data machine (12) and the mobile power 26 I309025274pif (14) by means of sound data or acoustic data, wherein the data The second interface device (25) includes a device for converting data transmitted between the second interface device (25) and the payment center (1) 'by the data processing device (11) and the payment center (1) Data that can be processed, and vice versa. 2. The data transfer device between the mobile phone (14) and the payment terminal device (10) as described in claim 1 of the patent application is a one-way data transmission. 3. The payment terminal device of claim 1, wherein the connection device (20) has an acoustic wave coupler for transmitting sound data between the mobile phone (14) and the payment terminal device Or sonic data. 4. The payment terminal device of claim 3, wherein the acoustic coupling has a microphone (17) for connecting to one of the speakers (15) of the mobile phone 4). 5. The payment terminal device of claim 4, wherein the sonic coupling is adapted to different types of mobile phones (14) 'between the microphone and the speaker being adjustable by a distance . 6. The payment terminal device of claim 3, wherein the acoustic coupling has a speaker (18) for connection to a microphone (16) of the mobile phone (14). 7. The payment terminal device of claim 5, wherein the acoustic coupling is adapted to different types of mobile phones (14) 'between the microphone and the speaker being adjustable for a distance . 13090%74pif 8. The payment terminal device of claim 1, wherein the data processing device (11) comprises at least one communication processor having a cryptographic capability. 9. The payment terminal device of claim 1, wherein the payment terminal device (10) comprises a data input device. 10. The payment terminal device of claim 9, wherein the data input device comprises at least one keyboard. 11. The payment terminal device of claim 1, wherein the payment terminal device comprises a printer. 12. The payment terminal device of claim 1, wherein the payment terminal device comprises a display device. 13. The payment terminal device of claim 1, wherein the payment terminal device comprises an interface to a vending machine. A point-of-sale (P0S) device (Vending Machine) comprising an integrated payment terminal as claimed in any one of claims 1 to 13. 28 1309025 VII. Designated representative map: (1) The representative representative of the case is: (1). (2) The symbol of the representative figure is described as follows: 1 : Payment Center Authorization Center 5: Mobile Voice Network 6, 13: Data Communication Connection 10: Payment Terminal Device 11: Data Processing Device 12: Data Machine 13: Connection 14 : Mobile Phone 18: Microphone 16: Speaker 19: Interface Device 20: Connection Device 23: Data Communication Line 24: Message 2 5: Communication Interface 26: Point of Sale (POS) Station or Device 2 8 • Call 30: Transmission 3 1 : Transmission direction 32: Second direct connection 8. If there is a chemical formula in this case, please disclose the chemical I 2 2 7 4 ρ ί 最 which best shows the characteristics of the invention.