WO1996025828A1 - A method for using applications in a mobile station, a mobile station, and a system for effecting payments - Google Patents

A method for using applications in a mobile station, a mobile station, and a system for effecting payments Download PDF

Info

Publication number
WO1996025828A1
WO1996025828A1 PCT/FI1996/000077 FI9600077W WO9625828A1 WO 1996025828 A1 WO1996025828 A1 WO 1996025828A1 FI 9600077 W FI9600077 W FI 9600077W WO 9625828 A1 WO9625828 A1 WO 9625828A1
Authority
WO
WIPO (PCT)
Prior art keywords
application
mobile station
mode
mcu
accordance
Prior art date
Application number
PCT/FI1996/000077
Other languages
French (fr)
Inventor
Petri Heinonen
Mikko Terho
Matti Marttila
Markku Rautiola
Original Assignee
Nokia Mobile Phones Ltd.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=8542862&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=WO1996025828(A1) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Nokia Mobile Phones Ltd. filed Critical Nokia Mobile Phones Ltd.
Priority to AU46247/96A priority Critical patent/AU696876B2/en
Priority to EP96901820A priority patent/EP0809916B1/en
Priority to JP8524688A priority patent/JPH11501424A/en
Priority to DE69638153T priority patent/DE69638153D1/en
Publication of WO1996025828A1 publication Critical patent/WO1996025828A1/en

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07GREGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00Cash registers
    • G07G1/12Cash registers electronically operated
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q10/00Administration; Management
    • G06Q10/02Reservations, e.g. for tickets, services or events
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/26Debit schemes, e.g. "pay now"
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223Realising banking transactions through M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3226Use of secure elements separate from M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229Use of the SIM of a M-device as secure element
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326Payment applications installed on the mobile devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/349Rechargeable cards
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355Personalisation of cards for use
    • G06Q20/3552Downloading or loading of personalisation data
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357Cards having a plurality of specified features
    • G06Q20/3576Multiple memory zones on card
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/42Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F17/00Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/24Coin-freed apparatus for hiring articles; Coin-freed facilities or services for parking meters
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/0866Mechanisms 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 by active credit-cards adapted therefor
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M1/00Substation equipment, e.g. for use by subscribers
    • H04M1/72Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
    • H04M1/724User interfaces specially adapted for cordless or mobile telephones
    • H04M1/72403User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M15/00Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68Payment of value-added services
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W4/00Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24Accounting or billing
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W88/00Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02Terminal devices
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M1/00Substation equipment, e.g. for use by subscribers
    • H04M1/72Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
    • H04M1/724User interfaces specially adapted for cordless or mobile telephones
    • H04M1/72403User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality
    • H04M1/72409User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality by interfacing with external accessories
    • H04M1/72412User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality by interfacing with external accessories using two-way short-range wireless interfaces
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M15/00Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M2215/00Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01Details of billing arrangements
    • H04M2215/0196Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M2215/00Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/20Technology dependant metering
    • H04M2215/2026Wireless network, e.g. GSM, PCS, TACS
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M2215/00Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/32Involving wireless systems
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M2250/00Details of telephonic subscriber devices
    • H04M2250/14Details of telephonic subscriber devices including a card reading device

Definitions

  • the invention relates to a method for using applications in a mobile station, a mobile station (also called a mobile radio communication unit), and a system for effecting payments.
  • the control card includes a subscriber identification unit, such as the SIM (Subscriber Identity Module) used in GSM (Global System for Mobile Communications) standard based systems.
  • the SIM comprises a control unit CPU (Central Processing Unit), program memory ROM (Read Only Memory), data memory suited for long-term storage EEPROM (Electrically Erasable Programmable Read Only Memory) and operation memory suited for saving data during use RAM (Random Access Memory).
  • a PIN Personal Identification Number
  • Other user-specific information such as telephone numbers, messages, etc. can also be saved in the data memory of the SIM.
  • the mobile phone which have a data connector for connecting an external data processing unit, such as a portable computer.
  • the mobile phone can be used as a means for data transfer between the portable computer and some other data processing equipment through a radio communication net ⁇ work.
  • a connection e.g. to the user's bank for checking the balance and effecting payments.
  • an arrangement of this kind is not very practical, because a separate cable is needed between the com- puter and the mobile phone.
  • the computer must be available for es ⁇ tablishing e.g. a bank connection.
  • Wireless systems so called smart cards or payment cards, are also known, the said cards being mostly used in payment applications, such as making payments in buses and public telephones.
  • Smart cards like this generally include a central processing unit, a program memory and a data memory.
  • the internal operation of the card in use is controlled by the CPU in accordance with the program code stored in the program memory.
  • the data memory is used for saving information relating to the intended use of the smart card, such as its value in money.
  • the card also contains means for data trans ⁇ fer, such as a transmitter/receiver based on electromagnetic induction.
  • a disad ⁇ vantage of smart cards of this kind is, e.g., the fact that several different cards may be needed for different kinds of payment, and so the user must carry a large number of cards.
  • the amount of money loaded in the card has been consumed, one needs to buy a new card or load a new amount of money in the card at a sales outlet offering a loading service.
  • the Japanese patent application JP 4 083 447 presents a mobile phone to which it is possible to add more properties by means of a separate memory card.
  • An application like this is preferably arranged for a certain use, such as for increasing the saving capacity or the telephone number memory.
  • Applications like this are based on a method in which the central processing unit of the mobile phone reads the data saved in the applications (memory cards) and operates in a predeter ⁇ mined way required by the data.
  • a disadvantage of this method is the fact that the functions needed for performing different operations of the applications must be programmed to the central processing unit CPU in advance, whereby the devel ⁇ opment of new applications also requires changes in the programs of the central processing unit.
  • the international patent application WO 91/12698 presents a mobile phone to which it is possible to add properties by means of a separate add-in card, such as a smart card. In this way it is possible to restrict the use of the phone by prevent ⁇ ing foreign calls, long-distance calls or calls to service numbers, for example.
  • the information about call restrictions is saved on an add-in card which the user has to install in the mobile phone when it is being used.
  • the main use of this method is to prevent the use of some properties of the mobile phone.
  • a new method for using applications in a mobile radio communication unit (mobile station) has been invented, as well as a new mobile station and a new system for effecting payments.
  • the application is preferably arranged for a certain use, such as a credit card, a cash card or a payment card.
  • the application can also offer special services, like time tables for public transpor ⁇ tation or exchange rates.
  • the application is preferably implemented in an applica ⁇ tion module, the technical solutions of which can be close to those of the above mentioned SIM.
  • the same application module can contain more than one appli- cation.
  • the application module is attached to a module card of a certain size, generally formed of plastic or corresponding material, in such a way that the appli ⁇ cation module has an application connector for leading the required conductors from the mobile station to the application module.
  • the same module card can include several application modules, whereby each application module has its own application module connector.
  • the application module connectors are functionally connected with the application module connectors of corresponding module cards.
  • Each module card is connected to a module card connector arranged in the mo ⁇ bile station, in which arrangement the said module card connector also includes an application module connector.
  • the invention is based on the idea that the mobile station can be complemented with applications which have a first mode of operation and a second mode of operation.
  • An application in the first mode of operation does not do anything ac ⁇ tively, but stays in the background, passive.
  • the application is active and can, e.g., control the central processing unit of the mobile station.
  • the application can also use peripheral equipment which are generally known components of a mobile phone, such as a display, keypad, status indicators and data ports, which the application has requested when switching to the second mode of operation.
  • Applications used in the method of the invention can preferably be of three differ- ent types, depending on the situation in which the application can switch to the second mode of operation: 1) The so-called power-up type, hereby the application switches to the second mode of operation as soon as possible after the mobile station is switched on and/or the module card is inserted, 2) The menu type, in which the user can select the application he wants to be active, e.g. from a menu shown on the display of the mobile station, and 3) Automatic type, in which the application switches to a second mode of operation when a certain condition, defined for the application, has been satisfied. For example, an application of the third operation mode can become active in the GSM system, when the mobile station receives a specific SMS (Short Message Services) message.
  • SMS Short Message Services
  • SMS mes ⁇ sages are typically used to transfer short text messages between mobile stations.
  • the automatic type can also be selected from a menu.
  • a menu option can also be used in a situation in which several power-up type applications have been connected to the mobile station, and one of the said applications can switch to the second mode of operation.
  • the method of the invention is characterized in that the application has a first mode of operation and a second mode of operation, whereby the application is passive in the first mode of operation, and in the second mode of operation the application controls the central unit of the mobile station.
  • the range of possible uses for a mobile phone can be substantially increased.
  • the mobile stations related to the invention can also be used e.g. as a credit card and/or as a cash card, instead of traditional plastic cards.
  • a mobile station equipped with a suitable application module the user can make payments in a shop using his/her credit account (credit card application) or pay directly from his/her bank account (cash card application), and thus no real cash is needed.
  • Typical for both credit card and cash card type of applications is that money, in electric form, is stored in a central computer (also referred as a money server), which the mobile station contacts when making a payment.
  • the money server is typically located in a bank's premises. If wanted, it is possible for the application to check the credit limit or the balance of the bank account before the payment is accepted.
  • the information of how much money there is stored in the "electric money purse” can be read from the memory of the mobile station or the application module, from which electric money is subtracted when a payment is made.
  • FIG. 1 shows a block diagram of a mobile station in accordance with the invention
  • Figure 2 shows the electric construction of an application module bus between the application module connection unit and CPU of a mobile station in accordance with the invention
  • Figure 3a shows a control card of a mobile phone
  • Figure 3b shows the internal structure of the control card of the mobil phone shown in Figure 3a as a block diagram
  • Figure 3c shows a module card to which two application modules ar connected
  • Figures 4a and 4b show the switching of the application from the first mode o operation to the second mode of operation as a flowchart
  • FIG. 5 shows the path of the telephone call between the application and a mobile services switching centre (MSC) in a mobile radio communication network as a simplified diagram
  • Figure 6 shows the use of a method in accordance with the invention in connection with a cash card or payment card application
  • FIG. 7 shows the communication between two mobile stations in accordance with the invention.
  • a card- controlled mobile station 1 comprises a master control unit MCU, a user interface Ul, a high-frequency part RF, a low-frequency part AUDIO, a power unit 2, a first means for data transfer IR, and an application module connection unit 6.
  • the operation of the mobile station 1 is controlled by the MCU, which has a program code stored in advance for performing different operations.
  • the user interface Ul comprises components which are known from prior art mo ⁇ bile phones, namely a display 7, a keypad 8 and status indicators 23.
  • the MCU produces various, situation-specific messages, operation instructions, menus etc. on the display 7.
  • the keypad 8 the user can enter different kind of informa- tion to the mobile station 1 , such as the identification number and telephone num ⁇ ber, and select operations from the menus.
  • the status indicators 23 can prefera ⁇ bly be used to indicate the internal modes of operation of the mobile station 1.
  • the radio frequency component RF is a known component of mobile phones, which is used to transmit and receive calls and messages using radio frequencies in a radio communication network, such as a GSM network, e.g. through a mobile services switching centre, MSC.
  • the low-frequency part AUDIO preferably comprises a microphone 9, a head ⁇ phone 10 and a buzzer 11 or the like.
  • the operation power for the mobile station 1 is supplied by a battery 12, which is charged when required.
  • the power unit 2 monitors the charge status and charg ⁇ ing procedure of the battery 12, among other things.
  • the power unit 2 sends the information to the central unit MCU when the charge status of the battery 12 falls below a predetermined value, whereby the MCU announces this preferably by sounding the buzzer 11 and/or showing a message on the display 7.
  • a module card 13 like the one shown in Figure 3a, is connected to the module card connector (not shown) located in the mobile station 1.
  • the module card 13 can contain, among other things, a subscriber identity module (SIM) for user identification.
  • SIM subscriber identity module
  • Application module connectors have been arranged in the application modules 19 in the module card 13.
  • FIG 3b shows the internal structure of the SIM as a simplified flowchart.
  • the central processing unit CPU controls the operation of the SIM on the basis of the program code stored in the program memory.
  • Various user-specific information can be saved in the data memory EEPROM, and this information stays in the memory even if the control card SIM is removed from the application module con ⁇ nection unit 6.
  • the application module connection unit 6 is located in the mobile station 1 as shown in Figures 1 and 2.
  • the operation memory RAM Figure 3b
  • the bus adapter DATA-I/O fits the SIM card to the application module bus 14 and to the control and data line I/O ( Figure 2).
  • module cards 13 can also be connected to the application module connec ⁇ tion unit 6 of the exemplary embodiment in Figure 1 , whereby they are preferably connected to their own module card connectors.
  • the application module 19 ( Figure 3c) on the module card 13 can have a similar mechanic and electric con- struction as the SIM card shown in Figures 3a and 3b.
  • the AT commands known e.g. from modems, can be used for the transfer of data and commands. The AT commands have been described in more detail e.g. in the Master of Science Thesis of Petri Heinonen, "Proposal for Stan ⁇ dard AT Commands Used with GSM Mobile Equipment", 1994, Tampere Univer ⁇ sity of Technology.
  • control and data line I/O, I/O', I/O ( Figure 2) from each application module connector 15, 16, 17, of the application module connection unit 6.
  • the standard series ISO 7816 includes the voltage levels and timing diagrams, according to which the application modules 19 ( Figure 3c) are connected to the control and data line I/O, I/O', I/O".
  • the application module connecting unit 6 has a connector, through which the application module bus 14 is led to the application module 19.
  • More than one application modules 19 can be connected to the same module card 13, as shown in Figure 3c.
  • the second application module 19' on the module card 13 can be a SIM module, for example.
  • the mobile station 1 also comprises a first means of data transfer, such as an infra red IR transmitter/receiver.
  • the first means of IR data transfer can be used to transfer data, with relatively short distances, between the mobile station 1 and a cash register (payment terminal) 21 or, e.g., between two different mobile stations 1 ( Figure 7).
  • the first means of data transfer IR may also include a data connector 20, which can be used to connect a computer to the mobile station 1 ( Figure 1).
  • Figures 4a and 4b show how the application 18 is activated and inactivated, and how the application 18 is switched from the first mode of operation to the second mode of operation and vice versa.
  • the first mode of operation means a mode in which the application does not do anything actively, but gets instructions through an application in the second mode of operation or through the MCU.
  • the second mode of operation means a controlling mode, whereby an application in the second mode of operation can control the operation of various units of the mobile station 1 , including the central unit MCU, and send messages to other applications.
  • the MCU can also have two different modes of operation: 1) normal mode and 2) application mode.
  • the central unit MCU operates like in a known mobile phone, controlling the operation of the mobile station.
  • the MCU can be controlled by an application 18 ( Figure 3c), which is in the second mode of operation.
  • the central unit MCU can read the keypad 8 and send information of keypad input to the applica- tion 18 in the second mode of operation, if the said application 18 requests it.
  • the procedure starts from the switching on (100) of the mobile station 1 , whereafter the MCU of the mobile station 1 sets the control and data line I/O of the first application module connector 15 ( Figures 1 and 2) to the reset status (block 101). If an application module 19 ( Figure 3c) has been connected to the first application module connector 15, and the said module 19 sends an acceptable ISO 7816 answer (block 102) to the MCU, the MCU sets the control and data line I/O of the first application module connector 15 to the allow status (block 103). In block 104 the MCU concludes whether all application module connectors 15, 16, 17, have been examined.
  • the procedure returns to block 101 , in which the next application module connector 16, 17, is examined. If the MCU gets no response in block 102, or if the reply is not acceptable, the procedure continues in block 105, in which the MCU con- eludes that an ISO 7816 based application module 19 has not been attached to the application module connector 15, 16, 17.
  • the procedure continues in block 106, in which the user identification, which is a known operation e.g. from a GSM network, is performed. If the user identification fails, the power-up procedure of the mobile station 1 is stopped (block 107). The user has generally three opportunities to give his/her own personal identification number. If the identification number is not given right at the third time, the user must give a longer identification code, after which the user has again three oppor ⁇ tunities to give his/her own personal identification number right. If the user does not give the right identification number at any of these three extra opportunities, either, the user must give the longer and shorter identification code again. If the identification number is not given right after the allowed number of attempts, the control card destroys the information contained in it, whereby the control card SIM is permanently disabled.
  • the control card destroys the information contained in it, whereby the control card SIM is permanently disabled.
  • the MCU moves to block 108, in which the MCU queries the information of applications 18 contained in the application module 19 connected to the first application module connector 15. If the application module 19 contains applications 18, the MCU reads the information of applications 18 (block 109) and saves them to its memory (block 110). If the examined application module 19 does not have applications 18, or there is no application module in the connector, the MCU saves this information in its memory (block 111). In block 112 the MCU concludes whether all applica ⁇ tion modules 19 have been examined. If there are still application modules 19, which have not been examined, the procedure returns to block 108, which queries the information of applications 18 contained in the next application module 19.
  • the procedure continues after block 112 in block 113, in which the MCU prints a menu on the display 7 of the mobile station 1 , and the user can select from the menu the application 18, which is to be switched to the second mode of operation, to control the MCU. If the user selects an application 18, the MCU asks which parts of the user interface Ul are required by the application 18, such as the display 7, the keypad 8 and/or the status indicators 23. If the MCU does not get an acceptable answer from the selected application 18, the procedure returns to block 113. Whereas if the MCU gets an acceptable answer from the selected application 18, the MCU switches to the application mode, i.e. to be controlled by the selected application 18 (block 115).
  • the MCU switches to the normal mode (block 116), in which no application 18 controls the MCU, but all applications 18 are in the first mode of operation.
  • the MCU can print a menu on the display 7 of the mobile station 1 , a menu which contains the applications 18 available in the appli ⁇ cation modules 19. From the menu, the user can select the application which is to be switched to the second mode of operation (block 118). If the module card 13 is detached from the module card connector, all applications 18 in the detached module card 13 will be removed from the menu of the mobile station 1 (block 128).
  • the MCU will ask which units of the user interface Ul of the mobile station 1 the application 18, switching to the second mode of operation, will need (block 121). If the MCU does not get an acceptable answer from the application 18, the operation of the MCU will move to block 117. If the application 18 gives an acceptable answer to the MCU, the MCU will switch to the application mode (block 115).
  • the module card 13 containing application modules 19, the applications 18 of which are in the first mode of operation, is removed from the module card connec ⁇ tor, the said applications 18 will be removed from the menu.
  • the identifying parame ⁇ ters of applications 18 of application modules 19 in the module card 13 are que ⁇ ried in block 125. If the application module 19 sends the identifiers to the MCU, the MCU rejects power-up-type applications 18 and saves the other applications 18 contained in the application module 19 in block 126. If no acceptable answer is received from the application module 19, the information of the application module will not be added (block 127).
  • a module card 13 is removed from the module card connector, the said card 13 containing a power-up or automatic type of application 18, which is the second mode of operation, the mobile station 1 is switched off. Otherwise the MCU re- turns to the normal mode (block 116).
  • An application 18 of the menu or automatic type being in the second mode of operation can also return automatically or be returned manually by the user to the first mode of operation (129).
  • the mobile station 1 has both the control card SIM and one application module 19 connected to it, and the said module 19 contains an application 18 (not shown in Figure 6), which in this example is a cash card application.
  • the application 18 has at least one account corresponding to the user's bank account, whereby the user can make payments from the account in the application 18.
  • the balance information has been read from the bank account, e.g. using the normal data channel of the GSM network or as a SMS message, and saved to the data memory EEPROM, which is part of the application module 19 and is used by the application 18.
  • the application 18 reduces the balance of the account in the application 18 accordingly.
  • the updating of payment transactions etc. in the application 18 to the user's bank account can take place preferably automatically, controlled by the application 18, e.g. at a certain time, and or as selected by the user from a menu of the mobile station 1 , and/or in connection with the payment.
  • the application 18 guides the MCU to establish a connection for data transfer through a Mobile Services Switching Centre MSC, and most often through some private wired network, to the computer 22 in the bank. Establishing the connection can take place either by asking the user for the telephone number first, or by using a number saved in the memory of the application, which makes the procedure easier.
  • SMS messages are used to update the balance information, the normal speech/data channel is free for other activities.
  • the user can have many different accounts at the same time, such as a bank account, a credit account and/or a cash account, and they can be in different applications 18, even in different application modules 19.
  • An advantage of this method is, among other things, the fact that the user can trans ⁇ fer money between the accounts, e.g. from a credit account to a bank account or cash account.
  • the application 18 can be brought into use e.g. after the mobile station 1 has been switched on, as is shown in the flowchart of Figures 4a and 4b.
  • the MCU prints a message to the display 7 for entering the identification number.
  • the user enters his/her own identification number, which is read by the MCU and transmit ⁇ ted to the SIM card.
  • the central processing unit CPU in the SIM examines the entered identification number by comparing it to the previously saved identification number and informs the MCU whether the identification number has been given right. If the identification number was not right, the MCU can ask the user to give it again.
  • the MCU operates in accordance with the phases described above. Because there are no other application mod- ules 19 in the other connectors 16, 17, in this embodiment, the MCU prints a menu to the display 7, from which the user can select an application 18 of the application module 19, which application is a cash card application, whereafter the application 18 switches to the second mode of operation, and the MCU switches to the application mode.
  • a user wants to inquire the balance of his/her bank account he/she will first select the menu function using the keypad 8, whereby the MCU transmits the key press information to the application 18.
  • the application 18 guides the MCU to print a menu to the display 7, from which the user can select a balance query.
  • the MCU transmits the key press to the application 18, which examines it and sends a message to the MCU, which then prints a text on the display 7, telling the user that the mobile station 1 is performing a balance query.
  • the application retrieves the balance saved in the data memory EEPROM of the application module and forms a mes ⁇ sage by which the MCU prints the balance on the display 7.
  • AT command: AT+CDIS "NOKSET", "View ⁇ ",”menu v”,””,””,”Quit"
  • AT command: AT+CMGS "12345678" Request amount of balance messaged (send short message)
  • Payments from the account can also be made easily by entering the appropriate information from the keypad 8 of the mobile station 1.
  • the application 18 is a cash application, by which payments can be made e.g. in shops or buses.
  • the application 18 is identified as shown in the previous example.
  • the user can estab ⁇ lish a connection with the mobile station 1 to the computer 22 in the bank, and transfer money from his/her account to the cash application.
  • the transfer takes place electronically, whereby the balance of the cash card in ⁇ creases and the balance of the bank account decreases.
  • the user performs internal bank transfers with the mobile station 1 from the bank account of the payment application to the cash application or vice versa. Internal bank transfers require that the information on the transfers must be updated to the computer 22 in the bank.
  • the user For making the payment, the user enters a certain code, by which he/she informs the application 18 that he/she wants to pay for the shopping.
  • the appli ⁇ cation establishes a connection through the MCU to the first means for data transfer IR, such as an IR transmitter/receiver or the like.
  • Second means of data transfer are arranged in the cash register 21 or the like in the shop, through which means the application 18 and the EPOS (Electronic Point of Sale) terminal appli ⁇ cation of the cash register can have a mutual connection for data transfer.
  • the user enters the identification number of the cash card, and the cash card application compares it to the previ ⁇ ously saved identification number. If the identification number has been given right, and the application 18 has sufficient balance, the payment transaction is registered both in the cash register 21 and the application 18 of the mobile station 1 , whereby the balance on the cash card is decreased correspondingly.
  • the up- dating of the payment transaction to the computer 22 can take place either from an EPOS application or from the application 18 of the mobile station 1.
  • IR data transfer it is preferable to use a known standard, such as the protocol stack defined by IrDA (Infrared Data Association), which is based on the OSI (Open Systems Interconnection) model of ISO.
  • the protocol stack uses the layers of the OSI model: 1) physical layer, 2) data link layer, 3) network layer and 7) application layer.
  • data transfer can be based on infrared, but other known methods of data transfer, such as ultrasound, electromagnetic induction or radio waves, can also be used.
  • Data transfer is secured in the data link layer, e.g. by error correction algorithms.
  • the functions of the data link layer are used for identifying the means for data transfer in situations in which many means of data transfer can be operat ⁇ ing simultaneously, e.g. in shops where there are many EPOS applications.
  • the messages going through the means for data transfer can be distributed to the receivers regardless of the number of means for data transfer in operation.
  • the information to be transmitted can be enciphered in the network layer, which is particularly important in payment applications.
  • the application 18 is capable of data transfer through the application layer, in which the application 18 sends and receives information needed for data transfer through the MCU preferably to the first means for data transfer, IR, or to the radio communication network.
  • the other piece of equipment participating in the data transfer such as the cash register 21 ( Figure 6)
  • has an EPOS terminal application which handles messages it has received through other means of data transfer IR2, in accordance with the layer structure described above.
  • FIG. 5 shows a simplified diagram of a telephone call between the APPLICA ⁇ TION and the Mobile Services Switching Centre MSC, which is part of a mobile services network.
  • the application sends the telephone number to be called to the MCU of the mobile station 1 , which sends to the Mobile Switching Centre MSC the identification data and other data needed for establishing a con ⁇ nection (steps 201 , 202 and 203).
  • the switching centre MSC transmits informa ⁇ tion of the progress of the call (step 204) and the state of the connection (step 205) to the mobile station 1 , after which the mobile station 1 sends acknowledg- ment of connection to the MSC (step 206) and to the application 18 (step 207).
  • the application 18 For closing the connection, the application 18 sends a close connection command to the MCU of the mobile station 1 (step 208), which sends a close connection request to the Mobile Services Switching Centre (step 209).
  • the MSC sends a connection closed acknowledgment to the MCU of the mobile station 1 (step 210).
  • the MCU of the mobile station 1 sends to the application 18 information of the closing of the connection (step 211).
  • the money was stored in an account, finally located in a money server in a bank. Therefore it was neces ⁇ sary to update the balance in the mobile station and in the bank.
  • the electric money is stored to the mobile station itself.
  • that kind of electric money also referred as "Digital Cash”
  • the "Digital Cash” can be stored e.g. as a code word in mobile stations memory. No link between the payment terminal 21 ( Figure 6) and the money server 22 is required at the mo ⁇ ment when the payment is made
  • SMS service it is possible to download more "Digital Cash” from the bank account to the mobile station, using a method close to the one described in the previous embodiment of the invention concerning balance inquiry.
  • the mobile station sends a request to send more "Digital Cash", e.g. as a SMS message, to the money server responsible for the user's account.
  • the money server sends "Digital Cash” to the mobile station, where it is stored to the memory.
  • the network where the mobile station in accordance with the invention is used is not limited to GSM only, GSM is a good example of a system that offers required data transfer possibilities. Particularly the SMS messages available in GSM net ⁇ work are handy, because the normal phone/data channel is not effected when transferring SMS messages.
  • the method of the invention can also be used for other kinds of applications. For example gathering and presenting other infor- mation, such as timetables, stock prices, exchange rates, etc.
  • Each of the previ ⁇ ous examples can be implemented in a separate application module, or the wanted functions and applications can be combined to a multi-functional applica ⁇ tion module for the mobile station.
  • Figure 7 shows an application in which two mobile stations 1 do communicate with each other by means of the first means of data transfer IR. It is possible to trans ⁇ fer e.g. data and/or speech.
  • the first means of data transfer IR makes it possible to connect the mobile station 1 also e.g. to a movable PC which has the corresponding means for data transfer IR or to a wireless LAN (Local Area Net ⁇ work).
  • the method of the invention provides a flexible means for increasing the usability of the mobile station 1.
  • a mobile station 1 in accordance with the invention can make use of various services from suppliers who produce and sell applications 18. For credit card companies, a method like this is one way of reducing misuse of credit cards.

Abstract

The invention relates to a method for using an application (18) in a mobile station (1). The application has a first mode of operation and a second mode of operation, whereby the first mode of operation is passive, and in the second mode of operation the application controls the master control unit MCU of the mobile station. The invention also relates to a system for making payments, comprising at least one mobile station (1), which has an application (18), means for using the application (18), and the first means of data transfer (IR, 20, RF) for local data transfer. The system also comprises at least one cash register (21) or the like, which has the second means for data transfer (IR2), and the application (18) comprises means for transferring data between the first means for data transfer (IR) and the second means for data transfer (IR2).

Description

A method for using applications in a mobile station, a mobile station, and a system for effecting payments
The invention relates to a method for using applications in a mobile station, a mobile station (also called a mobile radio communication unit), and a system for effecting payments.
There are prior art mobile phones in which the control card includes a subscriber identification unit, such as the SIM (Subscriber Identity Module) used in GSM (Global System for Mobile Communications) standard based systems. The SIM comprises a control unit CPU (Central Processing Unit), program memory ROM (Read Only Memory), data memory suited for long-term storage EEPROM (Electrically Erasable Programmable Read Only Memory) and operation memory suited for saving data during use RAM (Random Access Memory). For using the mobile phone, a PIN (Personal Identification Number) number saved on the SIM must be given, generally when the mobile phone is switched on. Other user- specific information, such as telephone numbers, messages, etc. can also be saved in the data memory of the SIM.
There are now also mobile phones which have a data connector for connecting an external data processing unit, such as a portable computer. Thus the mobile phone can be used as a means for data transfer between the portable computer and some other data processing equipment through a radio communication net¬ work. In this way it is possible to establish a connection e.g. to the user's bank for checking the balance and effecting payments. However, an arrangement of this kind is not very practical, because a separate cable is needed between the com- puter and the mobile phone. In addition, the computer must be available for es¬ tablishing e.g. a bank connection.
Wireless systems, so called smart cards or payment cards, are also known, the said cards being mostly used in payment applications, such as making payments in buses and public telephones. Smart cards like this generally include a central processing unit, a program memory and a data memory. The internal operation of the card in use is controlled by the CPU in accordance with the program code stored in the program memory. The data memory is used for saving information relating to the intended use of the smart card, such as its value in money. For performing the payment transaction, the card also contains means for data trans¬ fer, such as a transmitter/receiver based on electromagnetic induction. A disad¬ vantage of smart cards of this kind is, e.g., the fact that several different cards may be needed for different kinds of payment, and so the user must carry a large number of cards. In addition, when the amount of money loaded in the card has been consumed, one needs to buy a new card or load a new amount of money in the card at a sales outlet offering a loading service.
The Japanese patent application JP 4 083 447 presents a mobile phone to which it is possible to add more properties by means of a separate memory card. An application like this is preferably arranged for a certain use, such as for increasing the saving capacity or the telephone number memory. Applications like this are based on a method in which the central processing unit of the mobile phone reads the data saved in the applications (memory cards) and operates in a predeter¬ mined way required by the data. A disadvantage of this method is the fact that the functions needed for performing different operations of the applications must be programmed to the central processing unit CPU in advance, whereby the devel¬ opment of new applications also requires changes in the programs of the central processing unit.
The international patent application WO 91/12698 presents a mobile phone to which it is possible to add properties by means of a separate add-in card, such as a smart card. In this way it is possible to restrict the use of the phone by prevent¬ ing foreign calls, long-distance calls or calls to service numbers, for example. The information about call restrictions is saved on an add-in card which the user has to install in the mobile phone when it is being used. Thus the main use of this method is to prevent the use of some properties of the mobile phone. In order to eliminate the aforementioned disadvantages and to raise the standard of technology in this field, a new method for using applications in a mobile radio communication unit (mobile station) has been invented, as well as a new mobile station and a new system for effecting payments. The application is preferably arranged for a certain use, such as a credit card, a cash card or a payment card. The application can also offer special services, like time tables for public transpor¬ tation or exchange rates. The application is preferably implemented in an applica¬ tion module, the technical solutions of which can be close to those of the above mentioned SIM. The same application module can contain more than one appli- cation. The application module is attached to a module card of a certain size, generally formed of plastic or corresponding material, in such a way that the appli¬ cation module has an application connector for leading the required conductors from the mobile station to the application module. The same module card can include several application modules, whereby each application module has its own application module connector. The application module connectors are functionally connected with the application module connectors of corresponding module cards. Each module card is connected to a module card connector arranged in the mo¬ bile station, in which arrangement the said module card connector also includes an application module connector.
The invention is based on the idea that the mobile station can be complemented with applications which have a first mode of operation and a second mode of operation. An application in the first mode of operation does not do anything ac¬ tively, but stays in the background, passive. In the second mode of operation, the application is active and can, e.g., control the central processing unit of the mobile station. When in the second mode of operation, the application can also use peripheral equipment which are generally known components of a mobile phone, such as a display, keypad, status indicators and data ports, which the application has requested when switching to the second mode of operation.
Applications used in the method of the invention can preferably be of three differ- ent types, depending on the situation in which the application can switch to the second mode of operation: 1) The so-called power-up type, hereby the application switches to the second mode of operation as soon as possible after the mobile station is switched on and/or the module card is inserted, 2) The menu type, in which the user can select the application he wants to be active, e.g. from a menu shown on the display of the mobile station, and 3) Automatic type, in which the application switches to a second mode of operation when a certain condition, defined for the application, has been satisfied. For example, an application of the third operation mode can become active in the GSM system, when the mobile station receives a specific SMS (Short Message Services) message. SMS mes¬ sages are typically used to transfer short text messages between mobile stations. The automatic type can also be selected from a menu. A menu option can also be used in a situation in which several power-up type applications have been connected to the mobile station, and one of the said applications can switch to the second mode of operation.
The method of the invention is characterized in that the application has a first mode of operation and a second mode of operation, whereby the application is passive in the first mode of operation, and in the second mode of operation the application controls the central unit of the mobile station.
The mobile station in accordance with the invention is characterized in that it also comprises
- means for setting the application in a first mode of operation, in which the application is passive,
means for setting the application in a second mode of operation, in which the application is active, and
- means for controlling the central unit of the mobile station when the application is in the said second mode of operation.
Remarkable advantages are achieved by this invention compared to the prior art solutions. By means of this invention, the range of possible uses for a mobile phone can be substantially increased. Besides the normal phone and data serv¬ ices, the mobile stations related to the invention can also be used e.g. as a credit card and/or as a cash card, instead of traditional plastic cards. By means of a mobile station equipped with a suitable application module the user can make payments in a shop using his/her credit account (credit card application) or pay directly from his/her bank account (cash card application), and thus no real cash is needed.
Typical for both credit card and cash card type of applications is that money, in electric form, is stored in a central computer (also referred as a money server), which the mobile station contacts when making a payment. The money server is typically located in a bank's premises. If wanted, it is possible for the application to check the credit limit or the balance of the bank account before the payment is accepted.
It is also possible to store money to an "electric money purse" in the mobile station or in the application module itself. In that case it preferably is not necessary to check the credit limit or balance of the bank account from the money server before the payment can be accepted, i.e. it is not necessary to contact the money server for making a payment. The information of how much money there is stored in the "electric money purse" can be read from the memory of the mobile station or the application module, from which electric money is subtracted when a payment is made. These kind of applications, where the money is stored in the mobile station or in the application module itself, are also referred as payment applications.
In the following, the invention will be described in more detail with reference to the accompanying drawings, in which
Figure 1 shows a block diagram of a mobile station in accordance with the invention,
Figure 2 shows the electric construction of an application module bus between the application module connection unit and CPU of a mobile station in accordance with the invention,
Figure 3a shows a control card of a mobile phone, Figure 3b shows the internal structure of the control card of the mobil phone shown in Figure 3a as a block diagram,
Figure 3c shows a module card to which two application modules ar connected,
Figures 4a and 4b show the switching of the application from the first mode o operation to the second mode of operation as a flowchart,
Figure 5 shows the path of the telephone call between the application and a mobile services switching centre (MSC) in a mobile radio communication network as a simplified diagram,
Figure 6 shows the use of a method in accordance with the invention in connection with a cash card or payment card application,
Figure 7 shows the communication between two mobile stations in accordance with the invention.
In the exemplary embodiment of the invention, shown in Figure 1, a card- controlled mobile station 1 comprises a master control unit MCU, a user interface Ul, a high-frequency part RF, a low-frequency part AUDIO, a power unit 2, a first means for data transfer IR, and an application module connection unit 6. The operation of the mobile station 1 is controlled by the MCU, which has a program code stored in advance for performing different operations.
The user interface Ul comprises components which are known from prior art mo¬ bile phones, namely a display 7, a keypad 8 and status indicators 23. The MCU produces various, situation-specific messages, operation instructions, menus etc. on the display 7. Using the keypad 8, the user can enter different kind of informa- tion to the mobile station 1 , such as the identification number and telephone num¬ ber, and select operations from the menus. The status indicators 23 can prefera¬ bly be used to indicate the internal modes of operation of the mobile station 1. The radio frequency component RF is a known component of mobile phones, which is used to transmit and receive calls and messages using radio frequencies in a radio communication network, such as a GSM network, e.g. through a mobile services switching centre, MSC.
The low-frequency part AUDIO preferably comprises a microphone 9, a head¬ phone 10 and a buzzer 11 or the like.
The operation power for the mobile station 1 is supplied by a battery 12, which is charged when required. The power unit 2 monitors the charge status and charg¬ ing procedure of the battery 12, among other things. The power unit 2 sends the information to the central unit MCU when the charge status of the battery 12 falls below a predetermined value, whereby the MCU announces this preferably by sounding the buzzer 11 and/or showing a message on the display 7.
A module card 13, like the one shown in Figure 3a, is connected to the module card connector (not shown) located in the mobile station 1. The module card 13 can contain, among other things, a subscriber identity module (SIM) for user identification.
Application module connectors have been arranged in the application modules 19 in the module card 13.
Figure 3b shows the internal structure of the SIM as a simplified flowchart. The central processing unit CPU controls the operation of the SIM on the basis of the program code stored in the program memory. Various user-specific information can be saved in the data memory EEPROM, and this information stays in the memory even if the control card SIM is removed from the application module con¬ nection unit 6. The application module connection unit 6 is located in the mobile station 1 as shown in Figures 1 and 2. During the operation of the control card, the operation memory RAM (Figure 3b) can be used as a temporary data storage. The bus adapter DATA-I/O fits the SIM card to the application module bus 14 and to the control and data line I/O (Figure 2). Other module cards 13 can also be connected to the application module connec¬ tion unit 6 of the exemplary embodiment in Figure 1 , whereby they are preferably connected to their own module card connectors. The application module 19 (Figure 3c) on the module card 13 can have a similar mechanic and electric con- struction as the SIM card shown in Figures 3a and 3b. From the application module connection unit 6 to the central processing unit of the mobile station 1 (MCU), there is an application module bus 14, by means of which the application modules 19 connected to the application module connection unit 6 communicate with the MCU. The AT commands, known e.g. from modems, can be used for the transfer of data and commands. The AT commands have been described in more detail e.g. in the Master of Science Thesis of Petri Heinonen, "Proposal for Stan¬ dard AT Commands Used with GSM Mobile Equipment", 1994, Tampere Univer¬ sity of Technology.
In addition to the application module bus 14, there is a separate control and data line I/O, I/O', I/O" (Figure 2) from each application module connector 15, 16, 17, of the application module connection unit 6. Thus it is possible to use a structure based on the standard series ISO 7816 in the control and data line. The standard series ISO 7816 includes the voltage levels and timing diagrams, according to which the application modules 19 (Figure 3c) are connected to the control and data line I/O, I/O', I/O".
For each application module 19, the application module connecting unit 6 has a connector, through which the application module bus 14 is led to the application module 19.
More than one application modules 19 can be connected to the same module card 13, as shown in Figure 3c. The second application module 19' on the module card 13 can be a SIM module, for example.
The mobile station 1 also comprises a first means of data transfer, such as an infra red IR transmitter/receiver. The first means of IR data transfer can be used to transfer data, with relatively short distances, between the mobile station 1 and a cash register (payment terminal) 21 or, e.g., between two different mobile stations 1 (Figure 7).
The first means of data transfer IR may also include a data connector 20, which can be used to connect a computer to the mobile station 1 (Figure 1).
Figures 4a and 4b show how the application 18 is activated and inactivated, and how the application 18 is switched from the first mode of operation to the second mode of operation and vice versa. In this patent application, the first mode of operation means a mode in which the application does not do anything actively, but gets instructions through an application in the second mode of operation or through the MCU. The second mode of operation means a controlling mode, whereby an application in the second mode of operation can control the operation of various units of the mobile station 1 , including the central unit MCU, and send messages to other applications.
The MCU can also have two different modes of operation: 1) normal mode and 2) application mode. In the normal mode, the central unit MCU operates like in a known mobile phone, controlling the operation of the mobile station. In the appli¬ cation mode, the MCU can be controlled by an application 18 (Figure 3c), which is in the second mode of operation. Even in the application mode, the central unit MCU can read the keypad 8 and send information of keypad input to the applica- tion 18 in the second mode of operation, if the said application 18 requests it.
In the example shown in Figure 4a, the procedure starts from the switching on (100) of the mobile station 1 , whereafter the MCU of the mobile station 1 sets the control and data line I/O of the first application module connector 15 (Figures 1 and 2) to the reset status (block 101). If an application module 19 (Figure 3c) has been connected to the first application module connector 15, and the said module 19 sends an acceptable ISO 7816 answer (block 102) to the MCU, the MCU sets the control and data line I/O of the first application module connector 15 to the allow status (block 103). In block 104 the MCU concludes whether all application module connectors 15, 16, 17, have been examined. If all application module connectors 15, 16, 17 have not yet been examined, the procedure returns to block 101 , in which the next application module connector 16, 17, is examined. If the MCU gets no response in block 102, or if the reply is not acceptable, the procedure continues in block 105, in which the MCU con- eludes that an ISO 7816 based application module 19 has not been attached to the application module connector 15, 16, 17.
When all application module connectors 15, 16, 17 have been examined, the procedure continues in block 106, in which the user identification, which is a known operation e.g. from a GSM network, is performed. If the user identification fails, the power-up procedure of the mobile station 1 is stopped (block 107). The user has generally three opportunities to give his/her own personal identification number. If the identification number is not given right at the third time, the user must give a longer identification code, after which the user has again three oppor¬ tunities to give his/her own personal identification number right. If the user does not give the right identification number at any of these three extra opportunities, either, the user must give the longer and shorter identification code again. If the identification number is not given right after the allowed number of attempts, the control card destroys the information contained in it, whereby the control card SIM is permanently disabled.
When the personal identification number has been given successfully, the MCU moves to block 108, in which the MCU queries the information of applications 18 contained in the application module 19 connected to the first application module connector 15. If the application module 19 contains applications 18, the MCU reads the information of applications 18 (block 109) and saves them to its memory (block 110). If the examined application module 19 does not have applications 18, or there is no application module in the connector, the MCU saves this information in its memory (block 111). In block 112 the MCU concludes whether all applica¬ tion modules 19 have been examined. If there are still application modules 19, which have not been examined, the procedure returns to block 108, which queries the information of applications 18 contained in the next application module 19. When the MCU has examined all application modules 19, the procedure continues after block 112 in block 113, in which the MCU prints a menu on the display 7 of the mobile station 1 , and the user can select from the menu the application 18, which is to be switched to the second mode of operation, to control the MCU. If the user selects an application 18, the MCU asks which parts of the user interface Ul are required by the application 18, such as the display 7, the keypad 8 and/or the status indicators 23. If the MCU does not get an acceptable answer from the selected application 18, the procedure returns to block 113. Whereas if the MCU gets an acceptable answer from the selected application 18, the MCU switches to the application mode, i.e. to be controlled by the selected application 18 (block 115).
If the user does not select an application 18 (block 113), the MCU switches to the normal mode (block 116), in which no application 18 controls the MCU, but all applications 18 are in the first mode of operation.
In the normal mode, block 117, the MCU can print a menu on the display 7 of the mobile station 1 , a menu which contains the applications 18 available in the appli¬ cation modules 19. From the menu, the user can select the application which is to be switched to the second mode of operation (block 118). If the module card 13 is detached from the module card connector, all applications 18 in the detached module card 13 will be removed from the menu of the mobile station 1 (block 128).
In block 118, the situation, where the MCU queries the applications 18 contained in the selected application module 19, is described. If the MCU gets an accept¬ able answer from the application module 19, the MCU ignores power-up-type applications 18, but saves information of other applications (block 119). If the MCU does not get an acceptable answer from the application 18, no new applica¬ tions 18 will be added (block 120).
If the MCU is in the normal mode of operation in block 116, and the user selects an application 18 from a menu, or an application 18 of an automatic type informs the MCU that it is switching to the second mode of operation, the MCU will ask which units of the user interface Ul of the mobile station 1 the application 18, switching to the second mode of operation, will need (block 121). If the MCU does not get an acceptable answer from the application 18, the operation of the MCU will move to block 117. If the application 18 gives an acceptable answer to the MCU, the MCU will switch to the application mode (block 115).
When the MCU is in the application mode (block 115), and the precondition for an application 18 of the automatic type to switch to the second mode of operation is satisfied, that moment the application 18 in the second mode of operation is que¬ ried whether the application of an automatic type can switch to the second mode of operation (block 122). If switching is not allowed, the procedure returns to block 115. If switching is possible, the MCU asks the application of an automatic type 18 which units of the user interface Ul of the mobile station 1 it needs (block 123). If the answer is not acceptable, the operation of the MCU returns to block 115 again. When the answer is acceptable, the application 18 of an automatic type switches to the second mode of operation to control the operation of the MCU, and at the same time the application 18, which was in the second mode of opera¬ tion, switches to the first mode of operation.
If the module card 13, containing application modules 19, the applications 18 of which are in the first mode of operation, is removed from the module card connec¬ tor, the said applications 18 will be removed from the menu.
If a new module card 13 is added to the mobile station 1 , the identifying parame¬ ters of applications 18 of application modules 19 in the module card 13 are que¬ ried in block 125. If the application module 19 sends the identifiers to the MCU, the MCU rejects power-up-type applications 18 and saves the other applications 18 contained in the application module 19 in block 126. If no acceptable answer is received from the application module 19, the information of the application module will not be added (block 127).
If a module card 13 is removed from the module card connector, the said card 13 containing a power-up or automatic type of application 18, which is the second mode of operation, the mobile station 1 is switched off. Otherwise the MCU re- turns to the normal mode (block 116). An application 18 of the menu or automatic type being in the second mode of operation can also return automatically or be returned manually by the user to the first mode of operation (129).
In the following, the operation of a cash card or other payment card application in a mobile station 1 representing an embodiment of this invention will be described in principle (Figure 6).
The mobile station 1 has both the control card SIM and one application module 19 connected to it, and the said module 19 contains an application 18 (not shown in Figure 6), which in this example is a cash card application. The application 18 has at least one account corresponding to the user's bank account, whereby the user can make payments from the account in the application 18. Preferably, when the application 18 has been brought into use, the balance information has been read from the bank account, e.g. using the normal data channel of the GSM network or as a SMS message, and saved to the data memory EEPROM, which is part of the application module 19 and is used by the application 18.
In connection with the payment, the application 18 reduces the balance of the account in the application 18 accordingly. The updating of payment transactions etc. in the application 18 to the user's bank account can take place preferably automatically, controlled by the application 18, e.g. at a certain time, and or as selected by the user from a menu of the mobile station 1 , and/or in connection with the payment. When the bank account is updated, the application 18 guides the MCU to establish a connection for data transfer through a Mobile Services Switching Centre MSC, and most often through some private wired network, to the computer 22 in the bank. Establishing the connection can take place either by asking the user for the telephone number first, or by using a number saved in the memory of the application, which makes the procedure easier. Preferably, if SMS messages are used to update the balance information, the normal speech/data channel is free for other activities.
In the mobile station 1 , the user can have many different accounts at the same time, such as a bank account, a credit account and/or a cash account, and they can be in different applications 18, even in different application modules 19. An advantage of this method is, among other things, the fact that the user can trans¬ fer money between the accounts, e.g. from a credit account to a bank account or cash account.
The application 18 can be brought into use e.g. after the mobile station 1 has been switched on, as is shown in the flowchart of Figures 4a and 4b. The MCU prints a message to the display 7 for entering the identification number. The user enters his/her own identification number, which is read by the MCU and transmit¬ ted to the SIM card. The central processing unit CPU in the SIM examines the entered identification number by comparing it to the previously saved identification number and informs the MCU whether the identification number has been given right. If the identification number was not right, the MCU can ask the user to give it again.
If the identification number has been given right, the MCU operates in accordance with the phases described above. Because there are no other application mod- ules 19 in the other connectors 16, 17, in this embodiment, the MCU prints a menu to the display 7, from which the user can select an application 18 of the application module 19, which application is a cash card application, whereafter the application 18 switches to the second mode of operation, and the MCU switches to the application mode.
Ordinary phone calls can be made with the mobile station 1. All the other func¬ tions of the mobile station 1 are also available. The essential difference is that when the user enters a telephone number from the keypad 8, the MCU transmits the key press information to an application in the second mode of operation, which guides the MCU to establish a connection.
If a user wants to inquire the balance of his/her bank account, he/she will first select the menu function using the keypad 8, whereby the MCU transmits the key press information to the application 18. The application 18 guides the MCU to print a menu to the display 7, from which the user can select a balance query. After the user has selected a balance query from the menu, the MCU transmits the key press to the application 18, which examines it and sends a message to the MCU, which then prints a text on the display 7, telling the user that the mobile station 1 is performing a balance query. Next the application retrieves the balance saved in the data memory EEPROM of the application module and forms a mes¬ sage by which the MCU prints the balance on the display 7.
The following is an example of the implementation of the aforementioned balance query using AT commands:
Event code: +CKEV: 91,1 (choose menu)
AT command: AT+CDIS="NOKSET", "View Λ","menu v","","","Quit"
(update display) AT command: AT+CIND=„„11 ,11 (update indicators)
Event code: +CKEV: 91 ,0
Event code: +CKEV: 49,1 (choose menu number 1...)
AT command: AT+CIND=„„11 ,1
Event code: +CKEV: 49,0 Event code: +CKEV: 53,1 (...number 15)
AT command: AT+CIND=„„1,5
Event code: +CKEV: 53,0
AT command: AT+CDIS="NOKSET","Amount of", "balance","",OK","Quit"
(display menu 15) AT command: AT+CIND=„„0,0
Event code: +CKEV: 91 ,1 (choose "OK")
AT command: AT+CDIS="NOKSET", "Requesting...","","","","Quit"
Event code: +CKEV: 91 ,0
AT command: AT+CMGS="12345678" Request amount of balance messaged (send short message)
Event code: +CMT TEXT: "12345678", 12 (receive result)
125232,69 mk 0,0,0„94102610100058,8,
AT command: AT+CDIS=uNOKSET","You have ","125232,69 mk","","","Quit" (display result) In the previous example, the balance inquiry was done from the memory of the application module in the mobile station. Typical for these account based applica¬ tions is the need of data transfer between the mobile station and the bank. If that data transfer fails, for some reason, it may be necessary to do the balance inquiry or update "manually" from the bank. If the user selects direct balance inquiry, using e.g. a menu, the mobile station transmits a balance inquiry to the bank using e.g. short message service SMS, if available. In the message there is the current balance of the account in the application, from the application module's memory, included. Therefore, when the bank returns the updated balance, preferably both the changes in the application module's and bank's accounts can be taken into account.
Payments from the account can also be made easily by entering the appropriate information from the keypad 8 of the mobile station 1.
The following is a description of one exemplary embodiment of the invention, in which the application 18 is a cash application, by which payments can be made e.g. in shops or buses.
The application 18 is identified as shown in the previous example. When the application 18 has switched to the second mode of operation, the user can estab¬ lish a connection with the mobile station 1 to the computer 22 in the bank, and transfer money from his/her account to the cash application. In practice, the transfer takes place electronically, whereby the balance of the cash card in¬ creases and the balance of the bank account decreases. The user performs internal bank transfers with the mobile station 1 from the bank account of the payment application to the cash application or vice versa. Internal bank transfers require that the information on the transfers must be updated to the computer 22 in the bank.
For making the payment, the user enters a certain code, by which he/she informs the application 18 that he/she wants to pay for the shopping. After this, the appli¬ cation establishes a connection through the MCU to the first means for data transfer IR, such as an IR transmitter/receiver or the like. Second means of data transfer are arranged in the cash register 21 or the like in the shop, through which means the application 18 and the EPOS (Electronic Point of Sale) terminal appli¬ cation of the cash register can have a mutual connection for data transfer.
When the connection has been established, the user enters the identification number of the cash card, and the cash card application compares it to the previ¬ ously saved identification number. If the identification number has been given right, and the application 18 has sufficient balance, the payment transaction is registered both in the cash register 21 and the application 18 of the mobile station 1 , whereby the balance on the cash card is decreased correspondingly. The up- dating of the payment transaction to the computer 22 can take place either from an EPOS application or from the application 18 of the mobile station 1.
In IR data transfer, it is preferable to use a known standard, such as the protocol stack defined by IrDA (Infrared Data Association), which is based on the OSI (Open Systems Interconnection) model of ISO. The protocol stack uses the layers of the OSI model: 1) physical layer, 2) data link layer, 3) network layer and 7) application layer.
On the physical layer, data transfer can be based on infrared, but other known methods of data transfer, such as ultrasound, electromagnetic induction or radio waves, can also be used.
Data transfer is secured in the data link layer, e.g. by error correction algorithms. In addition, the functions of the data link layer are used for identifying the means for data transfer in situations in which many means of data transfer can be operat¬ ing simultaneously, e.g. in shops where there are many EPOS applications.
In the network layer, the messages going through the means for data transfer can be distributed to the receivers regardless of the number of means for data transfer in operation. In addition, the information to be transmitted can be enciphered in the network layer, which is particularly important in payment applications.
The application 18 is capable of data transfer through the application layer, in which the application 18 sends and receives information needed for data transfer through the MCU preferably to the first means for data transfer, IR, or to the radio communication network.
Correspondingly, the other piece of equipment participating in the data transfer, such as the cash register 21 (Figure 6), has an EPOS terminal application, which handles messages it has received through other means of data transfer IR2, in accordance with the layer structure described above.
Figure 5 shows a simplified diagram of a telephone call between the APPLICA¬ TION and the Mobile Services Switching Centre MSC, which is part of a mobile services network. At step 200, the application sends the telephone number to be called to the MCU of the mobile station 1 , which sends to the Mobile Switching Centre MSC the identification data and other data needed for establishing a con¬ nection (steps 201 , 202 and 203). The switching centre MSC transmits informa¬ tion of the progress of the call (step 204) and the state of the connection (step 205) to the mobile station 1 , after which the mobile station 1 sends acknowledg- ment of connection to the MSC (step 206) and to the application 18 (step 207). For closing the connection, the application 18 sends a close connection command to the MCU of the mobile station 1 (step 208), which sends a close connection request to the Mobile Services Switching Centre (step 209). The MSC sends a connection closed acknowledgment to the MCU of the mobile station 1 (step 210). Finally, the MCU of the mobile station 1 sends to the application 18 information of the closing of the connection (step 211).
In the previous exemplary embodiment of the invention the money was stored in an account, finally located in a money server in a bank. Therefore it was neces¬ sary to update the balance in the mobile station and in the bank. In another em- bodiment of this invention the electric money is stored to the mobile station itself. When that kind of electric money (also referred as "Digital Cash") is used, e.g. for paying parking fees or phone bills, the corresponding amount of money is cut down from the electric money purse of the mobile station. The "Digital Cash" can be stored e.g. as a code word in mobile stations memory. No link between the payment terminal 21 (Figure 6) and the money server 22 is required at the mo¬ ment when the payment is made
When the "Digital Cash" has run out or more is needed, the electric money purse of the mobile station needs reloading. There are several methods to do that. One method, close to the approach with real money and ATM {Automatic Teller Ma¬ chine) machines, would be to walk to the nearest "Digital Cash ATM" to download more money from the account. This is not very handy, because it will take some time before these kind of "Digital Cash ATM" machines are widely available. The present invention offers a much more convenient way to do the reloading of "Digital Cash".
Using the SMS service, it is possible to download more "Digital Cash" from the bank account to the mobile station, using a method close to the one described in the previous embodiment of the invention concerning balance inquiry. The mobile station sends a request to send more "Digital Cash", e.g. as a SMS message, to the money server responsible for the user's account. As a response, suppose the account has balance, the money server sends "Digital Cash" to the mobile station, where it is stored to the memory.
The network, where the mobile station in accordance with the invention is used is not limited to GSM only, GSM is a good example of a system that offers required data transfer possibilities. Particularly the SMS messages available in GSM net¬ work are handy, because the normal phone/data channel is not effected when transferring SMS messages.
In addition to payment applications, the method of the invention can also be used for other kinds of applications. For example gathering and presenting other infor- mation, such as timetables, stock prices, exchange rates, etc. Each of the previ¬ ous examples can be implemented in a separate application module, or the wanted functions and applications can be combined to a multi-functional applica¬ tion module for the mobile station. Figure 7 shows an application in which two mobile stations 1 do communicate with each other by means of the first means of data transfer IR. It is possible to trans¬ fer e.g. data and/or speech. Preferably the first means of data transfer IR makes it possible to connect the mobile station 1 also e.g. to a movable PC which has the corresponding means for data transfer IR or to a wireless LAN (Local Area Net¬ work).
The method of the invention provides a flexible means for increasing the usability of the mobile station 1. A mobile station 1 in accordance with the invention can make use of various services from suppliers who produce and sell applications 18. For credit card companies, a method like this is one way of reducing misuse of credit cards.
The invention is not limited to the above described exemplary embodiments only, but its details can be modified without departing from the scope defined by the attached claims.

Claims

Claims
1. A method for using an application (18) in a mobile station (1) comprising a master control unit (MCU) for implementing mobile station functions, char¬ acterized in that the application has a first mode of operation and a second mode of operation, whereby the first mode of operation-is passive and in the second mode of operation the application controls the master control unit MCU.
2. A method in accordance with Claim 1 , characterized in that the application (18) is a cash card application.
3. A method in accordance with Claim 1, characterized in that the application (18) is a payment card application.
4. A method in accordance with Claim 1 , characterized in that the application (18) is a credit card application.
5. A method in accordance with Claim 1 , characterized in that when the application is in the second mode of operation, the mobile station (1) com¬ municates with an other mobile station using first means of data transfer IR.
6. A method in accordance with Claim 1 , characterized in that the master control unit (MCU) is controlled by using AT commands.
7. A method in accordance with Claim 1, characterized in that the master control unit (MCU) of the mobile station (1) has two modes of operation:
- normal mode and
- application mode.
8. A method in accordance with Claim 1 , characterized in that the application (18) is of the power-up-type, of the menu type or automatic.
9. A mobile station (1) which has means for using an application (18), charac¬ terized in that the mobile station also comprises
means (CPU, DATA-I/O, I/O, I/O', I/O", 14) for setting the appli¬ cation (18) in the first mode of operation,
- means (CPU, DATA-I/O, I/O, I/O', I/O", 14) for setting the appli¬ cation (18) in the second mode of operation, and
means (CPU, DATA-I/O, I/O, I/O', I/O", 14) for controlling the master control unit (MCU) of the mobile station.
10. A mobile station (1) in accordance with Claim 9, characterized in that the mobile station (1) also comprises means (IR) for infrared data transfer.
11. A mobile station (1) in accordance with Claim 9, characterized in that the mobile station (1) also comprises means (19) for connecting the mobile sta¬ tion (1) to a computer.
12. A mobile station (1) in accordance with Claim 9, characterized in that the mobile station (1 ) is a GSM mobile phone.
13. A mobile station (1) in accordance with Claim 9, characterized in that the said means for controlling the master control unit (MCU) are located in the application (18).
14. A system for effecting payments, characterized in that the system com¬ prises
at least one mobile station (1), which has
an application (18),
- means for using the application (18), and
the first means for data transfer (IR, 20, RF) for local data trans¬ fer,
at least one cash register (21) or the like, which has the second means for data transfer (IR2), and
- the application (18) comprises means for transferring data be¬ tween the first means for data transfer (IR) and the second means for data transfer (IR2).
PCT/FI1996/000077 1995-02-15 1996-02-09 A method for using applications in a mobile station, a mobile station, and a system for effecting payments WO1996025828A1 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
AU46247/96A AU696876B2 (en) 1995-02-15 1996-02-09 A method for using applications in a mobile station, a mobile station and control module
EP96901820A EP0809916B1 (en) 1995-02-15 1996-02-09 A method for using applications in a mobile station, a mobile station, and a system for effecting payments
JP8524688A JPH11501424A (en) 1995-02-15 1996-02-09 Method of using an application in a mobile station, mobile station, and payment system
DE69638153T DE69638153D1 (en) 1995-02-15 1996-02-09 METHOD FOR THE USE OF APPLICATIONS IN A MOBILE STATION, MOBILE STATION AND PAYMENT SYSTEM

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FI950685A FI99071C (en) 1995-02-15 1995-02-15 Procedure for use of applications in a mobile telephone as well as a mobile telephone
FI950685 1995-02-15

Publications (1)

Publication Number Publication Date
WO1996025828A1 true WO1996025828A1 (en) 1996-08-22

Family

ID=8542862

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/FI1996/000077 WO1996025828A1 (en) 1995-02-15 1996-02-09 A method for using applications in a mobile station, a mobile station, and a system for effecting payments

Country Status (9)

Country Link
US (6) US5887266A (en)
EP (3) EP1858240B1 (en)
JP (3) JPH11501424A (en)
CN (3) CN1099817C (en)
AU (1) AU696876B2 (en)
DE (1) DE69638153D1 (en)
ES (1) ES2340343T3 (en)
FI (1) FI99071C (en)
WO (1) WO1996025828A1 (en)

Cited By (78)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998011519A1 (en) * 1996-09-13 1998-03-19 Siemens Aktiengesellschaft Cashless payment by means of a mobile radio apparatus
EP0831438A2 (en) * 1996-09-18 1998-03-25 Hitachi, Ltd. Electronic money transaction system
JPH10198739A (en) * 1996-11-14 1998-07-31 Matsushita Electric Ind Co Ltd Personal electronic account settlement system
WO1998034203A1 (en) * 1997-01-30 1998-08-06 Qualcomm Incorporated Method and apparatus for performing financial transactions using a mobile communication unit
WO1998042173A2 (en) * 1997-03-24 1998-10-01 Fd Finanssidata Oy Use of banking services in a digital cellular radio system
WO1998057510A2 (en) * 1997-06-12 1998-12-17 Siemens Nixdorf Informationssysteme Ag Telecommunication and/or remote control device with a chip card unit, same device with a coupled computer for internet or network applications
WO1998058510A1 (en) * 1997-06-16 1998-12-23 Swisscom Ag Mobile device, chip card and method of communication
WO1999000770A1 (en) * 1997-06-30 1999-01-07 Satsafe Mls Ab System for carrying out a charging operation
WO1999008237A2 (en) * 1997-08-06 1999-02-18 Tresor Tv Produktions Gmbh Method for the safe handling of electronic means of payment and for safely carrying out business transactions, and device for carrying out said method
WO1999009502A1 (en) * 1997-08-13 1999-02-25 Matsushita Electric Industrial Co., Ltd. Mobile electronic commerce system
WO1999027505A1 (en) * 1997-11-20 1999-06-03 Gemplus S.C.A. Method, card and terminals for carrying out transactions in a telecommunication network
WO1999031630A1 (en) * 1997-12-17 1999-06-24 Philippe Jacot Method for carrying out financial transactions, system therefor and electronic purse
FR2776448A1 (en) * 1998-03-20 1999-09-24 Gemplus Card Int Mobile telephone terminal providing multiple communications functions
JPH11345264A (en) * 1998-06-03 1999-12-14 Nippon Medeipakku Kk Payment system and paying method
FR2779850A1 (en) * 1998-06-16 1999-12-17 Roland Moreno METHOD AND SYSTEM FOR USING A MICROCIRCUIT CARD IN A PLURALITY OF APPLICATIONS
FR2779896A1 (en) * 1998-06-15 1999-12-17 Sfr Sa METHOD FOR REMOTE PAYING, BY MEANS OF A MOBILE RADIOTELEPHONE, THE ACQUISITION OF A GOOD AND / OR A SERVICE AND CORRESPONDING MOBILE RADIOTELEPHONE SYSTEM AND
FR2779895A1 (en) * 1998-06-15 1999-12-17 Sfr Sa Telepayment method, using a mobile phone, for purchase of an article and or service over the phone network
EP0965959A1 (en) * 1998-06-19 1999-12-22 Ncr International Inc. A method of using a portable communication device
FR2780800A1 (en) * 1998-07-03 2000-01-07 Sagem ELECTRONIC PAYMENT PROCESS
US6038549A (en) * 1997-12-22 2000-03-14 Motorola Inc Portable 1-way wireless financial messaging unit
EP0986275A1 (en) * 1998-09-10 2000-03-15 Swisscom AG Method for purchasing goods or services with a mobile telephone
US6041314A (en) * 1997-12-22 2000-03-21 Davis; Walter Lee Multiple account portable wireless financial messaging unit
EP0987660A1 (en) * 1998-09-14 2000-03-22 Ncr International Inc. Portable electronic apparatus
EP0996300A1 (en) * 1998-10-22 2000-04-26 Societé Francaise du Radiotéléphone SRF Method for accessing server services from a mobile station subscriber identity module and terminal for carrying out the method
EP0996299A1 (en) * 1998-10-22 2000-04-26 Societé Francaise du Radiotéléphone SRF Subscriber identity module controlled method for launching applications from a mobile station
WO2000033264A1 (en) * 1998-12-02 2000-06-08 Swisscom Ag Method and system for charging or recharging an account with a value corresponding to a sum of money
US6105006A (en) * 1997-12-22 2000-08-15 Motorola Inc Transaction authentication for 1-way wireless financial messaging units
WO2000048416A1 (en) * 1999-02-09 2000-08-17 Sonera Smarttrust Oy Method for the utilisation of applications stored on a subscriber identity module (sim) and for the secure treatment of information associated with them
WO2000049585A1 (en) * 1999-02-19 2000-08-24 France Telecom Telepayment method and system for implementing said method
WO2000051086A1 (en) * 1999-02-22 2000-08-31 Telefonaktiebolaget Lm Ericsson Mobile communications device
WO2000057596A1 (en) * 1999-03-19 2000-09-28 Telefonaktiebolaget Lm Ericsson (Publ) Method and system for electronic commerce
EP1041520A2 (en) 1999-03-29 2000-10-04 Nokia Mobile Phones Ltd. Transfer of electronic money
EP1048118A1 (en) * 1997-12-22 2000-11-02 Motorola, Inc. Portable 2-way wireless financial messaging unit
FR2794547A1 (en) * 1999-06-03 2000-12-08 Gemplus Card Int PREPARING AND EXECUTING A PROGRAM IN AN ADDITIONAL CHIP CARD OF A TERMINAL
EP1065633A1 (en) * 1999-06-30 2001-01-03 Sagem Sa Mobile telephone with a multiple chip-carrier architecture
WO2001006466A1 (en) * 1999-07-15 2001-01-25 Andersson Soeren A method for performing financial transactions and a system for performing the method
WO2001031594A1 (en) * 1999-10-25 2001-05-03 Swisscom Mobile Ag Method and system for transacting payments
WO2001057811A1 (en) * 2000-02-02 2001-08-09 Image Reaction Limited Data handling
WO2001069555A1 (en) * 1999-12-23 2001-09-20 Swisscom Mobile Ag Payment transaction method and payment transaction system
US6314519B1 (en) 1997-12-22 2001-11-06 Motorola, Inc. Secure messaging system overlay for a selective call signaling system
WO2001088861A1 (en) * 2000-05-16 2001-11-22 Gemplus Method for crediting a prepaid account
WO2001097118A1 (en) * 2000-06-14 2001-12-20 Takako Jogu Settling method using mobile phone and mobile phone
EP1178444A1 (en) * 2000-08-01 2002-02-06 mega-tel AG Electronic payment using SMS
WO2002013149A1 (en) * 2000-08-09 2002-02-14 Telefonaktiebolaget Lm Ericsson (Publ) Paying for services using electronic cash
US6378073B1 (en) 1997-12-22 2002-04-23 Motorola, Inc. Single account portable wireless financial messaging unit
EP1198766A2 (en) * 1999-02-04 2002-04-24 Motorola, Inc. Wireless subscriber unit and method for managing smart card data
JP2002524808A (en) * 1998-09-04 2002-08-06 ソネラ スマートトラスト オサケユキチュア Security modules, security systems, and mobile stations
WO2002063576A1 (en) * 2001-02-08 2002-08-15 Nokia Corporation Smart card reader
US6662020B1 (en) 1999-08-27 2003-12-09 Telefonaktiebolaget Lm Ericsson (Publ) Arrangement for effecting secure transactions in a communication device
KR20040004765A (en) * 2002-07-05 2004-01-16 김선섭 Mobile Telecommunication Terminal Having Manifold Settlement Route
EP1046144B1 (en) * 1997-12-23 2004-02-25 Openwave Systems Inc. System and method for controlling financial transactions over a wireless network
US6711262B1 (en) 1997-07-02 2004-03-23 Sonera Oyj Procedure for the control of applications stored in a subscriber identity module
EP1449391A2 (en) * 2001-11-29 2004-08-25 Zoltan Pal Method for operating an alternative mobile telecommunications system and for providing services
WO2004079616A1 (en) 2003-03-07 2004-09-16 Bitwallet, Inc Mobile terminal device, mobile terminal method, mobile terminal program, providing server device, providing server method, and providing server program
US6868391B1 (en) 1997-04-15 2005-03-15 Telefonaktiebolaget Lm Ericsson (Publ) Tele/datacommunications payment method and apparatus
EP1071049A3 (en) * 1999-07-22 2005-08-24 Bernd Schneider Tnansportable data communication device with chipcard and radio interface
EP1603062A1 (en) * 2003-03-07 2005-12-07 Bitwallet Inc. Mobile terminal
EP1808831A1 (en) * 1999-06-03 2007-07-18 Gemplus Preparing and executing a programme in a terminal supplementary chip card
BE1016829A3 (en) * 2002-01-25 2007-08-07 Pierre Defise Electronic payment card for e.g. product, has unique number and component storing information required for utilization of card, where card is loaded with preset amount and is not related to postal or bank account of carrier of card
KR100763793B1 (en) 2006-10-12 2007-10-05 주식회사 하이스마텍 The multifunctional mobile communication terminal and communication method using it
US7296755B2 (en) 1999-09-22 2007-11-20 Softbankbb Corporation Electronic payment system, payment apparatus and terminal thereof
EP2273340A1 (en) * 2001-05-24 2011-01-12 Sony Corporation Service providing method and integrated circuit
EP1058872B2 (en) 1998-02-25 2011-04-06 TELEFONAKTIEBOLAGET LM ERICSSON (publ) Method, arrangement and apparatus for authentication through a communications network
WO2011046526A1 (en) * 2009-10-15 2011-04-21 Savchuk Oleg Leonidovich Method for creating a reciprocal payment system for the sale of information, goods and services - a social market
WO2012065264A1 (en) * 2010-11-15 2012-05-24 Research In Motion Limited Controlling data transfer on mobile devices
US8429084B1 (en) 2011-10-27 2013-04-23 Erik T. Bogaard Confirming local marketplace transaction consummation for online payment consummation
USRE44746E1 (en) 2004-04-30 2014-02-04 Blackberry Limited System and method for handling data transfers
US8706627B2 (en) 2000-02-10 2014-04-22 Jon Shore Apparatus, systems and methods for wirelessly transacting financial transfers , electronically recordable authorization transfers, and other information transfers
US9065771B2 (en) 2012-10-24 2015-06-23 Blackberry Limited Managing application execution and data access on a device
US9075955B2 (en) 2012-10-24 2015-07-07 Blackberry Limited Managing permission settings applied to applications
US9161226B2 (en) 2011-10-17 2015-10-13 Blackberry Limited Associating services to perimeters
US9282099B2 (en) 2005-06-29 2016-03-08 Blackberry Limited System and method for privilege management and revocation
US9369466B2 (en) 2012-06-21 2016-06-14 Blackberry Limited Managing use of network resources
US9497220B2 (en) 2011-10-17 2016-11-15 Blackberry Limited Dynamically generating perimeters
US9720915B2 (en) 2011-11-11 2017-08-01 Blackberry Limited Presenting metadata from multiple perimeters
US10339746B1 (en) 1999-08-10 2019-07-02 Gofigure Payments, Llc Mobile device for making a mobile payment
US10339525B2 (en) 2011-10-27 2019-07-02 Boom! Payments, Inc. Confirming local marketplace transaction consummation for online payment consummation
US10848520B2 (en) 2011-11-10 2020-11-24 Blackberry Limited Managing access to resources

Families Citing this family (460)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FI99071C (en) * 1995-02-15 1997-09-25 Nokia Mobile Phones Ltd Procedure for use of applications in a mobile telephone as well as a mobile telephone
US6771981B1 (en) 2000-08-02 2004-08-03 Nokia Mobile Phones Ltd. Electronic device cover with embedded radio frequency (RF) transponder and methods of using same
US5835061A (en) 1995-06-06 1998-11-10 Wayport, Inc. Method and apparatus for geographic-based communications service
US8606851B2 (en) 1995-06-06 2013-12-10 Wayport, Inc. Method and apparatus for geographic-based communications service
IT1277879B1 (en) * 1995-07-27 1997-11-12 Telecom Italia Mobile Spa RADIO TERMINAL WITH ADDITIONAL CHIP CARD READER.
FI961154A (en) * 1996-03-13 1997-09-14 Nokia Mobile Phones Ltd Method and arrangement for restricting cell phone use
US6823317B1 (en) * 1996-04-02 2004-11-23 Axxian Technologies Inc Urban parking system
US7054271B2 (en) * 1996-12-06 2006-05-30 Ipco, Llc Wireless network system and method for providing same
US8982856B2 (en) 1996-12-06 2015-03-17 Ipco, Llc Systems and methods for facilitating wireless network communication, satellite-based wireless network systems, and aircraft-based wireless network systems, and related methods
FI104937B (en) * 1997-01-27 2000-04-28 Sonera Oyj A subscriber identity module, a mobile station and a method for performing a smart card operation
US6233327B1 (en) * 1997-02-14 2001-05-15 Statsignal Systems, Inc. Multi-function general purpose transceiver
US6363364B1 (en) * 1997-03-26 2002-03-26 Pierre H. Nel Interactive system for and method of performing financial transactions from a user base
FI105135B (en) * 1997-04-30 2000-06-15 Nokia Mobile Phones Ltd A system and method for transmitting a call and a mobile station
US6167271A (en) * 1997-05-05 2000-12-26 Northern Telecom Limited Interface between cellular and wired networks with enhanced subscriber mobility
SE512748C2 (en) * 1997-05-15 2000-05-08 Access Security Sweden Ab Procedure, active card, system and use of active card to carry out an electronic transaction
US5933785A (en) * 1997-05-20 1999-08-03 Motorola, Inc. Telephone and method for concurrent registration of two identification numbers using multi-number sim card
DK0992025T3 (en) * 1997-06-27 2002-10-28 Swisscom Mobile Ag Transaction method with a portable identification element
US6157966A (en) * 1997-06-30 2000-12-05 Schlumberger Malco, Inc. System and method for an ISO7816 complaint smart card to become master over a terminal
FR2767437B1 (en) * 1997-08-14 1999-09-17 Alsthom Cge Alcatel IMPROVED METHOD FOR LOADING A PREDETERMINED LIST OF ARTICLES BY A MOBILE TERMINAL DRIVEN BY A SUBSCRIBER IDENTIFICATION MODULE, CONTROL, SUBSCRIBER IDENTIFICATION MODULE AND CORRESPONDING MOBILE TERMINAL
US6138002A (en) * 1997-12-18 2000-10-24 Ericsson Inc. System and method for providing services based on broadcasted system information
IT1305659B1 (en) * 1998-02-16 2001-05-15 Giorgio Liverotti GSM MOBILE TERMINAL PERFECTED
US7162532B2 (en) 1998-02-23 2007-01-09 Koehler Steven M System and method for listening to teams in a race event
US20040098584A1 (en) * 1998-03-25 2004-05-20 Sherman Edward G. Method and system for embedded, automated, component-level control of computer systems and other complex systems
US6796490B1 (en) * 2000-10-04 2004-09-28 Diebold, Incorporated Automated banking machine system and method
US7004385B1 (en) * 2003-04-01 2006-02-28 Diebold Self-Service Systems Division Of Diebold, Incorporated Currency dispensing ATM with RFID card reader
US7284692B1 (en) * 2004-03-31 2007-10-23 Diebold Self-Service Systems, Division Of Diebold, Incorporated ATM with RFID card, note, and check reading capabilities
US6437692B1 (en) * 1998-06-22 2002-08-20 Statsignal Systems, Inc. System and method for monitoring and controlling remote devices
US6914893B2 (en) 1998-06-22 2005-07-05 Statsignal Ipc, Llc System and method for monitoring and controlling remote devices
US6891838B1 (en) * 1998-06-22 2005-05-10 Statsignal Ipc, Llc System and method for monitoring and controlling residential devices
US8410931B2 (en) 1998-06-22 2013-04-02 Sipco, Llc Mobile inventory unit monitoring systems and methods
US6480699B1 (en) 1998-08-28 2002-11-12 Woodtoga Holdings Company Stand-alone device for transmitting a wireless signal containing data from a memory or a sensor
FR2787273B1 (en) * 1998-12-14 2001-02-16 Sagem SECURE PAYMENT PROCESS
JP2000184085A (en) 1998-12-18 2000-06-30 Fujitsu Ltd Portable equipment, attachment for portable terminal and system using portable equipment
JP3415616B1 (en) * 1999-02-25 2003-06-09 順子 杉中 Terminal
US7650425B2 (en) 1999-03-18 2010-01-19 Sipco, Llc System and method for controlling communication between a host computer and communication devices associated with remote devices in an automated monitoring system
FR2791846B1 (en) * 1999-04-01 2001-06-01 Sfr Sa TELEPHONE TERMINAL, REMOVABLE DATA MEDIUM PROVIDED WITH MEANS FOR DELETING COMMON FEATURES AND CORRESPONDING FUNCTION MENUS MANAGEMENT METHOD
JP2002541602A (en) 1999-04-07 2002-12-03 スイスコム モービル アーゲー Methods and systems for ordering, loading, and using admission tickets
US6542721B2 (en) * 1999-10-11 2003-04-01 Peter V. Boesen Cellular telephone, personal digital assistant and pager unit
FI114434B (en) * 1999-05-11 2004-10-15 Nokia Corp communication equipment
FR2793576B1 (en) * 1999-05-11 2001-11-16 Gemplus Card Int RADIOTELEPHONE TERMINAL WITH A CHIP CARD WITH A BROWSER
FI991105A (en) * 1999-05-14 2000-11-15 Nokia Networks Oy Method and digital mobile communication system
DE19925254A1 (en) * 1999-06-01 2000-12-07 Nokia Mobile Phones Ltd Method for operating a communication arrangement
FR2794595B1 (en) * 1999-06-03 2002-03-15 Gemplus Card Int PRE-CHECKING A PROGRAM IN AN ADDITIONAL CHIP CARD OF A TERMINAL
US20040160917A1 (en) * 1999-06-22 2004-08-19 Eliznd Ihab H. Multibeam antenna for a wireless network
JP2001014277A (en) * 1999-06-28 2001-01-19 Olympus Optical Co Ltd Information processing system and camera system
US7729986B1 (en) * 1999-07-30 2010-06-01 Visa International Service Association Smart card transactions using wireless telecommunications network
US8095463B1 (en) * 1999-08-02 2012-01-10 Openwave Systems Inc. System and method for prepaid account replenishment
US7720762B1 (en) 2002-10-03 2010-05-18 Gofigure Payments, Llc System and method for electronically processing commercial transactions based upon threshold amount
US7308426B1 (en) * 1999-08-11 2007-12-11 C-Sam, Inc. System and methods for servicing electronic transactions
US7088692B1 (en) 1999-08-18 2006-08-08 Nokia Corporation Apparatus, and associated method, for rewarding performance of a computer game at a mobile terminal
US7702313B1 (en) * 1999-08-27 2010-04-20 Nokia Siemens Networks Gmbh & Co. Kg Telecommunications terminal
US6490443B1 (en) 1999-09-02 2002-12-03 Automated Business Companies Communication and proximity authorization systems
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
US7239226B2 (en) 2001-07-10 2007-07-03 American Express Travel Related Services Company, Inc. System and method for payment using radio frequency identification in contact and contactless transactions
US7837116B2 (en) 1999-09-07 2010-11-23 American Express Travel Related Services Company, Inc. Transaction card
WO2001018903A2 (en) * 1999-09-08 2001-03-15 Siemens Aktiengesellschaft Mobile radio telephone antenna comprising an integrated functional unit
US6647270B1 (en) * 1999-09-10 2003-11-11 Richard B. Himmelstein Vehicletalk
DE19946537A1 (en) * 1999-09-28 2001-04-05 Deutsche Telekom Mobil Procedure for billing internet services via mobile radio
SE516779C2 (en) * 1999-10-01 2002-02-26 Ericsson Telefon Ab L M Portable communication device with a user interface and a working method for the same
SE517445C2 (en) * 1999-10-01 2002-06-04 Anoto Ab Position determination on a surface provided with a position coding pattern
EP1216587B1 (en) * 1999-10-01 2006-06-21 Swisscom Mobile AG Method for verifying in a mobile device the authenticity of electronic certificates issued by a certification authority and corresponding identification module
US7508411B2 (en) * 1999-10-11 2009-03-24 S.P. Technologies Llp Personal communications device
US7239346B1 (en) * 1999-10-18 2007-07-03 Priddy Dennis G System and architecture that supports a multi-function semiconductor device between networks and portable wireless communications products
FR2800228B1 (en) * 1999-10-26 2002-02-08 Wavecom Sa SYSTEM AND METHOD FOR CONTROLLING THIRD PARTY EQUIPMENT THROUGH A SIM CARD THROUGH A RADIO COMMUNICATION MODULE, CORRESPONDING RADIO COMMUNICATION MODULE AND THIRD PARTY EQUIPMENT
EP1226697B1 (en) 1999-11-03 2010-09-22 Wayport, Inc. Distributed network communication system which enables multiple network providers to use a common distributed network infrastructure
ATE290744T1 (en) * 1999-11-19 2005-03-15 Swisscom Mobile Ag CUSTOMIZABLE CHIP CARD
US7353208B1 (en) 2000-02-02 2008-04-01 Transaction Network Services, Inc. Transaction processing using intermediate server architecture
JP4375933B2 (en) * 1999-11-25 2009-12-02 富士通株式会社 Mobile device
DE59905893D1 (en) * 1999-12-23 2003-07-10 Swisscom Mobile Ag PAYMENT TRANSACTION PROCESS AND PAYMENT TRANSACTION SYSTEM
GB2357618A (en) * 1999-12-23 2001-06-27 Nokia Mobile Phones Ltd Transaction system
JP3840021B2 (en) * 1999-12-27 2006-11-01 株式会社東芝 Mobile radio terminal
JP2001186556A (en) * 1999-12-27 2001-07-06 Toshiba Corp Mobile wireless terminal
US6816724B1 (en) * 1999-12-28 2004-11-09 Nokia Corporation Apparatus, and associated method, for remotely effectuating a transaction service
EP1187251A1 (en) * 2000-09-01 2002-03-13 Marconi Commerce Systems S.r.L. Wireless communicaton interface
EP1247234A1 (en) * 2000-01-14 2002-10-09 Marconi Commerce Systems Inc. A data retail system
US7172112B2 (en) 2000-01-21 2007-02-06 American Express Travel Related Services Company, Inc. Public/private dual card system and method
US8429041B2 (en) 2003-05-09 2013-04-23 American Express Travel Related Services Company, Inc. Systems and methods for managing account information lifecycles
US8543423B2 (en) 2002-07-16 2013-09-24 American Express Travel Related Services Company, Inc. Method and apparatus for enrolling with multiple transaction environments
US7720756B2 (en) * 2000-01-25 2010-05-18 Kavounas Gregory T Methods, devices and bank computers for consumers using communicators to wire funds to sellers and vending machines
KR100629470B1 (en) * 2000-02-08 2006-09-28 (주) 엘지텔레콤 Mobile phone with a subscriber identify module card
US6934532B2 (en) * 2000-02-09 2005-08-23 Apriva, Inc. Communication systems, components, and methods operative with programmable wireless devices
US6711414B1 (en) * 2000-02-25 2004-03-23 Charmed Technology, Inc. Wearable computing device capable of responding intelligently to surroundings
US6757719B1 (en) 2000-02-25 2004-06-29 Charmed.Com, Inc. Method and system for data transmission between wearable devices or from wearable devices to portal
US20050021679A1 (en) * 2000-02-25 2005-01-27 Alexander Lightman Method and system for data transmission between wearable devices or from wearable devices to portal
IL134741A (en) * 2000-02-27 2003-11-23 Adamtech Ltd Mobile transaction system and method
US7627531B2 (en) 2000-03-07 2009-12-01 American Express Travel Related Services Company, Inc. System for facilitating a transaction
DE50006287D1 (en) * 2000-03-10 2004-06-03 Rudolf Ritter METHOD, COMMUNICATION SYSTEM AND RECEIVING DEVICE FOR THE BILLING OF ACCESS-CONTROLLED PROGRAMS AND / OR DATA FROM BROADCASERS
FR2806578B1 (en) * 2000-03-14 2002-08-23 Sagem IMPROVED MOBILE TELEPHONE
US20060173790A1 (en) * 2000-03-16 2006-08-03 Harexinfotech, Inc. Optical payment transceiver and system using the same
KR100366060B1 (en) * 2000-03-16 2002-12-28 주식회사 하렉스인포텍 Optical payment transceiver and system using the same
GB0007360D0 (en) * 2000-03-28 2000-05-17 Ncr Int Inc Electronic wallet
JP2001344545A (en) 2000-03-29 2001-12-14 Ibm Japan Ltd Processing system, server, processing terminal, communication terminal, processing method, data managing method, processing performing method and program
GB2362070B (en) * 2000-05-05 2004-06-16 Nokia Mobile Phones Ltd Communication devices and method of communication
EP1304007A1 (en) * 2000-05-26 2003-04-23 Cegetel Groupe Method for interactive exchange between a subscriber identification module co-operating with a terminal in a radiotelephone, and a local device
JP2002056338A (en) * 2000-05-29 2002-02-20 Takashi Fujimoto Purchase price payment method and purchase price payment system
FR2810482B1 (en) * 2000-06-15 2003-05-16 Sagem METHOD FOR MANAGING A COMMUNICATION MODULE AND DEVICE COMPRISING SUCH A MODULE
US9684893B2 (en) 2000-06-30 2017-06-20 Tara Chand Singhal Apparatus and method for a wireless point of sale terminal
US7529563B1 (en) * 2000-07-10 2009-05-05 Pitroda Satyan G System for distribution and use of virtual stored value cards
US7933589B1 (en) * 2000-07-13 2011-04-26 Aeritas, Llc Method and system for facilitation of wireless e-commerce transactions
FR2812105B1 (en) * 2000-07-21 2003-01-10 Gemplus Card Int AUTOMATIC AND SECURE ACCESS DEVICE TO VARIOUS DEVICES AND SERVICES
CA2416775C (en) * 2000-07-21 2011-03-29 Telemac Corporation Multiple virtual wallets in wireless devices
KR20030029645A (en) 2000-08-02 2003-04-14 노키아 모빌 폰즈 리미티드 Electronic device cover with embedded radio frequency(RF) transponder and methods of using same
FR2812744A1 (en) * 2000-08-04 2002-02-08 Dassault Automatismes ELECTRONIC PAYMENT DEVICE USING A CONSUMER APPARATUS AND A COMMERCIAL APPARATUS COMMUNICATING THROUGH A WIRELESS LINK
FR2812745B1 (en) * 2000-08-04 2003-01-31 Dassault Automatismes ELECTRONIC PAYMENT TERMINAL INCLUDING A WIRELESS LINK WITH A PORTABLE TELEPHONE USED AS A MODEM
US8504421B2 (en) 2000-08-05 2013-08-06 Ronald John Rosenberger Method using a social network or website to enable an individual to promote an advertiser's advertising to the individual's personal contacts
US8504420B2 (en) * 2000-08-05 2013-08-06 Ronald John Rosenberger Method using advertising as compensation to a promoter for generating new account sign ups of end users for a product or service offering entity
US7386238B2 (en) * 2000-08-15 2008-06-10 Lockheed Martin Corporation Method and system for infrared data communications
WO2002015438A1 (en) * 2000-08-15 2002-02-21 Lockheed Martin Corporation Infrared data communication system
JP3756741B2 (en) * 2000-08-21 2006-03-15 株式会社東芝 Information exchange device and cash register device
US20020025795A1 (en) * 2000-08-24 2002-02-28 Msafe Inc., Method, system and device for monitoring activity of a wireless communication device
EP1184818A1 (en) * 2000-09-01 2002-03-06 Marconi Commerce Systems S.r.L. Vending system for selling products or services to purchasers having mobile communicators
FI114348B (en) * 2000-09-04 2004-09-30 Nokia Corp Procedure for charging money, electronic device and system
JP2002176671A (en) * 2000-09-28 2002-06-21 Takashi Fujimoto Mobile phone
US7133659B2 (en) * 2000-09-29 2006-11-07 Nokia Mobile Phones Limited Methods of operating a reservation system using electronic device cover with embedded transponder
US7979057B2 (en) * 2000-10-06 2011-07-12 S.F. Ip Properties 62 Llc Third-party provider method and system
US7209733B2 (en) * 2000-10-06 2007-04-24 Pay X Pda, Llc Credit manager method and system
JP2002197388A (en) * 2000-10-11 2002-07-12 Nec Corp Settlement method, settlement system and portable telephone
US7460853B2 (en) * 2000-10-12 2008-12-02 Sony Corporation Wireless module security system and method
US7020118B2 (en) * 2000-10-13 2006-03-28 Sony Corporation System and method for activation of a wireless module
US20020080741A1 (en) * 2000-10-13 2002-06-27 Akihiko Toyoshima Multiple wireless format phone system and method
US7230939B2 (en) * 2000-10-13 2007-06-12 Sony Corporation Home network using wireless module
US6907456B2 (en) 2000-10-13 2005-06-14 Sony Corporation Default portal site access with wireless module
US7890947B2 (en) * 2000-10-13 2011-02-15 Sony Corporation System, method and apparatus for embedded firmware code update
US7555537B2 (en) * 2000-10-25 2009-06-30 Nokia Mobile Phones Ltd. Downloadable multimedia content and method for accounting
US7333947B2 (en) * 2000-11-13 2008-02-19 Anoto Ab Network-based system
US7069047B2 (en) * 2001-01-19 2006-06-27 Raze Technologies, Inc. System and method for on-line insertion of line replaceable units in wireless and wireline access systems
GB0027922D0 (en) * 2000-11-15 2001-01-03 Haidar Mahmoud N Y Electronic payment and associated systems
WO2002041601A2 (en) * 2000-11-16 2002-05-23 Telefonaktiebolaget Lm Ericsson (Publ) User authentication apparatus, controlling method thereof, and network system
US6772249B1 (en) * 2000-11-27 2004-08-03 Hewlett-Packard Development Company, L.P. Handheld option pack interface
US20020091647A1 (en) * 2001-01-10 2002-07-11 Lopez Antonio Vazquez Security system for commercial transactions via the Internet or other communications networks
GB2371397B (en) * 2001-01-20 2004-09-01 Ncr Int Inc Self service terminal
GB0103452D0 (en) * 2001-02-13 2001-03-28 Williams Stuart Identification system
FR2821231A1 (en) * 2001-02-19 2002-08-23 Bull Cp8 METHOD FOR ADMINISTERING A SUBSCRIBER CARD FOR MOBILE TELEPHONY EQUIPMENT OF THE TYPE WITH AUXILIARY READER AND ON-BOARD SYSTEM FOR IMPLEMENTING THE PROCESS
US6934529B2 (en) * 2001-02-20 2005-08-23 Sevket Ilhan Bagoren Replenishment of pre-paid wireless telephone accounts using short message service (SMS)
US20020116329A1 (en) * 2001-02-20 2002-08-22 Serbetcioglu Bekir Sami Systems and methods for approval of credit/debit account transactions using a wireless device
KR100641824B1 (en) * 2001-04-25 2006-11-06 주식회사 하렉스인포텍 A payment information input method and mobile commerce system using symmetric cipher system
NL1017947C2 (en) * 2001-04-26 2002-10-29 Scm Microsystems Nederland B V Communication system for the exchange of data comprises terminal for reception and transmission of data and at least one chip holder provided with at least one releasably coupled memory chip
FR2824217B1 (en) * 2001-04-27 2003-10-10 Sagem DEVICE FOR SPLITTING A CHIP CARD READER AND RELATED METHOD
KR100614433B1 (en) * 2001-05-14 2006-08-22 엔티티 도꼬모 인코퍼레이티드 Application management server, mobile terminal and application management method
CA2348353A1 (en) 2001-05-22 2002-11-22 Marc Arseneau Local broadcast system
US7542942B2 (en) * 2001-07-10 2009-06-02 American Express Travel Related Services Company, Inc. System and method for securing sensitive information during completion of a transaction
US7725427B2 (en) 2001-05-25 2010-05-25 Fred Bishop Recurrent billing maintenance with radio frequency payment devices
US7650314B1 (en) 2001-05-25 2010-01-19 American Express Travel Related Services Company, Inc. System and method for securing a recurrent billing transaction
FR2825495B1 (en) * 2001-05-31 2003-09-26 Schlumberger Systems & Service ELECTRONIC PAYMENT TERMINAL, CHIP CARD SUITABLE FOR SUCH A TERMINAL AND METHOD FOR LOADING A SECRET KEY INTO SUCH A TERMINAL
GB0113630D0 (en) * 2001-06-05 2001-07-25 Koninkl Philips Electronics Nv Payment authorisation through beacons
US20030033413A1 (en) * 2001-06-19 2003-02-13 Willson Alan N. Mobile wireless local area network
US6987986B2 (en) * 2001-06-21 2006-01-17 Boesen Peter V Cellular telephone, personal digital assistant with dual lines for simultaneous uses
US20030078890A1 (en) * 2001-07-06 2003-04-24 Joachim Schmidt Multimedia content download apparatus and method using same
US7360689B2 (en) 2001-07-10 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for proffering multiple biometrics for use with a FOB
US7762457B2 (en) 2001-07-10 2010-07-27 American Express Travel Related Services Company, Inc. System and method for dynamic fob synchronization and personalization
US20040236699A1 (en) 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method and system for hand geometry recognition biometrics on a fob
US7925535B2 (en) 2001-07-10 2011-04-12 American Express Travel Related Services Company, Inc. System and method for securing RF transactions using a radio frequency identification device including a random number generator
US7805378B2 (en) 2001-07-10 2010-09-28 American Express Travel Related Servicex Company, Inc. System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions
US7493288B2 (en) 2001-07-10 2009-02-17 Xatra Fund Mx, Llc RF payment via a mobile device
US20040233037A1 (en) * 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method and system for iris scan recognition biometrics on a fob
US8001054B1 (en) 2001-07-10 2011-08-16 American Express Travel Related Services Company, Inc. System and method for generating an unpredictable number using a seeded algorithm
US8284025B2 (en) 2001-07-10 2012-10-09 Xatra Fund Mx, Llc Method and system for auditory recognition biometrics on a FOB
US8635131B1 (en) 2001-07-10 2014-01-21 American Express Travel Related Services Company, Inc. System and method for managing a transaction protocol
US20050160003A1 (en) * 2001-07-10 2005-07-21 American Express Travel Related Services Company, Inc. System and method for incenting rfid transaction device usage at a merchant location
US7746215B1 (en) 2001-07-10 2010-06-29 Fred Bishop RF transactions using a wireless reader grid
US7705732B2 (en) 2001-07-10 2010-04-27 Fred Bishop Authenticating an RF transaction using a transaction counter
US7249112B2 (en) 2002-07-09 2007-07-24 American Express Travel Related Services Company, Inc. System and method for assigning a funding source for a radio frequency identification device
US20090008441A1 (en) * 2001-07-10 2009-01-08 Xatra Fund Mx, Llc Tracking rf transaction activity using a transaction device identifier
US7996324B2 (en) 2001-07-10 2011-08-09 American Express Travel Related Services Company, Inc. Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
US7303120B2 (en) 2001-07-10 2007-12-04 American Express Travel Related Services Company, Inc. System for biometric security using a FOB
US7503480B2 (en) 2001-07-10 2009-03-17 American Express Travel Related Services Company, Inc. Method and system for tracking user performance
US8960535B2 (en) 2001-07-10 2015-02-24 Iii Holdings 1, Llc Method and system for resource management and evaluation
US7119659B2 (en) 2001-07-10 2006-10-10 American Express Travel Related Services Company, Inc. Systems and methods for providing a RF transaction device for use in a private label transaction
US9454752B2 (en) 2001-07-10 2016-09-27 Chartoleaux Kg Limited Liability Company Reload protocol at a transaction processing entity
US7735725B1 (en) 2001-07-10 2010-06-15 Fred Bishop Processing an RF transaction using a routing number
US8294552B2 (en) 2001-07-10 2012-10-23 Xatra Fund Mx, Llc Facial scan biometrics on a payment device
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US8538863B1 (en) 2001-07-10 2013-09-17 American Express Travel Related Services Company, Inc. System and method for facilitating a transaction using a revolving use account associated with a primary account
US9031880B2 (en) 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
US7827106B2 (en) 2001-07-10 2010-11-02 American Express Travel Related Services Company, Inc. System and method for manufacturing a punch-out RFID transaction device
US20030027549A1 (en) * 2001-07-30 2003-02-06 Msafe Inc. Prepaid communication system and method
US20030065569A1 (en) * 2001-09-04 2003-04-03 Aaron Danis Method and apparatus for coordinating transaction data for a plurality of point-of-sale terminals
WO2003023727A1 (en) * 2001-09-06 2003-03-20 Nokia Corporation A method and network element for paying by a mobile terminal through a communication network
US8810385B2 (en) 2001-09-11 2014-08-19 Zonar Systems, Inc. System and method to improve the efficiency of vehicle inspections by enabling remote actuation of vehicle components
US7557696B2 (en) 2001-09-11 2009-07-07 Zonar Systems, Inc. System and process to record inspection compliance data
US20110068954A1 (en) 2006-06-20 2011-03-24 Zonar Systems, Inc. Method and apparatus to collect object identification data during operation of a vehicle and analysis of such data
US8972179B2 (en) 2006-06-20 2015-03-03 Brett Brinton Method and apparatus to analyze GPS data to determine if a vehicle has adhered to a predetermined route
US20150170521A1 (en) 2001-09-11 2015-06-18 Zonar Systems, Inc. System and method to enhance the utility of vehicle inspection records by including route identification data in each vehicle inspection record
US11341853B2 (en) 2001-09-11 2022-05-24 Zonar Systems, Inc. System and method to enhance the utility of vehicle inspection records by including route identification data in each vehicle inspection record
US8400296B2 (en) 2001-09-11 2013-03-19 Zonar Systems, Inc. Method and apparatus to automate data collection during a mandatory inspection
FR2830099A1 (en) * 2001-09-21 2003-03-28 Pierre Michel Guilhen Data processing unit for an electronic purse, manages data exchange and maintains local and central balance data
US7480501B2 (en) 2001-10-24 2009-01-20 Statsignal Ipc, Llc System and method for transmitting an emergency message over an integrated wireless network
US8489063B2 (en) 2001-10-24 2013-07-16 Sipco, Llc Systems and methods for providing emergency messages to a mobile device
US7424527B2 (en) 2001-10-30 2008-09-09 Sipco, Llc System and method for transmitting pollution information over an integrated wireless network
CN101482949A (en) * 2001-12-04 2009-07-15 M概念有限公司 System and method for facilitating electronic financial transactions using a mobile telecommunications device
JP2003188949A (en) * 2001-12-21 2003-07-04 Nec Corp Portable telephone set, its data protecting method and program
US7200567B2 (en) 2002-01-04 2007-04-03 Lockheed Martin Corporation Purchasing aid logistics appliance and method for use
US7996888B2 (en) * 2002-01-11 2011-08-09 Nokia Corporation Virtual identity apparatus and method for using same
US7797233B2 (en) * 2002-01-30 2010-09-14 Store Financial Services, Llc Methods and systems for processing, accounting, and administration of stored value cards
US8190530B2 (en) 2002-01-30 2012-05-29 Visa U.S.A. Inc. Method and system for providing multiple services via a point-of-sale portal architecture
US6816083B2 (en) * 2002-02-04 2004-11-09 Nokia Corporation Electronic device with cover including a radio frequency indentification module
US20030172001A1 (en) * 2002-03-06 2003-09-11 Masataka Yasuda Information providing system, information providing method, storage medium and program
KR100531075B1 (en) * 2002-04-29 2005-11-28 스마텍(주) Charge approval system
US7509117B2 (en) * 2002-05-31 2009-03-24 Nokia Corporation Apparatus, and associated method, for notifying a user in a radio communication system of a commercially-related transaction
DE10225457A1 (en) * 2002-06-05 2004-01-08 Siemens Ag Use of a subscriber identity module by several mobile communication devices
AU2003245235A1 (en) * 2002-06-14 2003-12-31 Tek Dagitim Ve Iletisim Hizmetleri A.S. Mobile information distribution system
US20040015451A1 (en) * 2002-07-10 2004-01-22 Sahota Jagdeep Singh Method for conducting financial transactions utilizing infrared data communications
US7580873B1 (en) * 2002-07-23 2009-08-25 At&T Intellectual Property I, L.P. Electronic financial assistant
US20040230489A1 (en) * 2002-07-26 2004-11-18 Scott Goldthwaite System and method for mobile payment and fulfillment of digital goods
US7792759B2 (en) * 2002-07-29 2010-09-07 Emv Co. Llc Methods for performing transactions in a wireless environment
GB0219950D0 (en) * 2002-08-29 2002-10-02 Barton Richard J Control system
US6805287B2 (en) 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card
US20130018715A1 (en) * 2011-07-18 2013-01-17 Tiger T G Zhou Facilitating mobile device payments using product code scanning to enable self checkout
JP4509930B2 (en) * 2002-10-17 2010-07-21 ヴォウダフォン・グループ・ピーエルシー Facilitating and authenticating transactions
US20050246277A1 (en) * 2002-10-23 2005-11-03 Bloem Nicolaas C Transaction processing system
US9064281B2 (en) 2002-10-31 2015-06-23 Mastercard Mobile Transactions Solutions, Inc. Multi-panel user interface
JP2004172923A (en) * 2002-11-20 2004-06-17 Nec Corp Portable telephone terminal, and pay service restriction method used therefor
JP2004171416A (en) * 2002-11-21 2004-06-17 Ntt Docomo Inc Communication terminal, value substance providing server, application distribution server, electronic purchase support system, electronic purchase support method and electronic purchase support program
JP4272006B2 (en) * 2002-12-10 2009-06-03 株式会社エヌ・ティ・ティ・ドコモ Mobile communication terminal, server, communication system, communication control method, and communication control program
JP2004192289A (en) * 2002-12-10 2004-07-08 Matsushita Electric Ind Co Ltd Information processor
KR101026644B1 (en) * 2003-01-08 2011-04-04 가부시키가이샤 한도오따이 에네루기 켄큐쇼 Semiconductor device and its fabricating method
US20040183790A1 (en) * 2003-02-27 2004-09-23 Miller Richard L. Customer order communication apparatus and methods
US7440771B2 (en) * 2003-02-28 2008-10-21 American Express Travel Related Services Company, Inc. Transaction card providing displayed information
US20040229195A1 (en) * 2003-03-18 2004-11-18 Leapfrog Enterprises, Inc. Scanning apparatus
US8270578B2 (en) * 2003-04-07 2012-09-18 Paul Poniatowski Mobile payment system
US7725842B2 (en) * 2003-04-24 2010-05-25 Bronkema Valentina G Self-attainable analytic tool and method for adaptive behavior modification
AU2003902911A0 (en) * 2003-06-11 2003-06-26 The Commonwealth Of Australia Credential communication device
FR2857207B1 (en) * 2003-07-04 2005-10-14 Orange France METHOD FOR ACCESSING A POINT OF COMMUNICATION WITH AN APPLICATION LOCATED ON A SIM CARD
EP1496714B1 (en) * 2003-07-10 2006-02-01 Swisscom Mobile AG Electronic switch for communication terminals with multiple SIM cards, and a communication method
CN100530226C (en) 2003-07-22 2009-08-19 诺基亚公司 Reader device for radio frequency identification transponder with transponder functionality
KR20050016929A (en) * 2003-08-04 2005-02-21 삼성전자주식회사 Multi-purpose terminal equipment capable of preparation for the fast task performance and the method thereof
JP2005136662A (en) * 2003-10-30 2005-05-26 Matsushita Electric Ind Co Ltd Radio communication system, portable terminal equipment, server device, memory card, and program
TWI256230B (en) * 2003-11-07 2006-06-01 Wistron Neweb Corp Mobile phone including a wireless network module and a memory module
JP2005167463A (en) * 2003-12-01 2005-06-23 Sony Ericsson Mobilecommunications Japan Inc Subscriber identification module and data access blocking method therefor
JP2005202914A (en) * 2003-12-15 2005-07-28 Matsushita Electric Ind Co Ltd Secure device and information processor
US20050137687A1 (en) * 2003-12-23 2005-06-23 Sadra Medical Heart valve anchor and method
US20050142263A1 (en) * 2003-12-30 2005-06-30 Lauren Keilbach Fish food flakes
JP4269162B2 (en) * 2004-01-07 2009-05-27 日本電気株式会社 Wireless route selection method for portable communication terminal, portable communication terminal and wireless communication system
ES2290667T3 (en) * 2004-01-23 2008-02-16 Nokia Corporation METHOD, DEVICE AND SYSTEM FOR INFORMATION OF AUTOMATED CONTEXT FROM SELECTIVE DATA PROVIDED BY MEANS OF IDENTIFICATION.
JP4362384B2 (en) * 2004-02-02 2009-11-11 株式会社シマノ Dual bearing reel and spool brake device used therefor
DE102004009544A1 (en) * 2004-02-23 2005-09-22 Siemens Ag Method for transmitting data
US7194438B2 (en) * 2004-02-25 2007-03-20 Nokia Corporation Electronic payment schemes in a mobile environment for short-range transactions
US8031650B2 (en) 2004-03-03 2011-10-04 Sipco, Llc System and method for monitoring remote devices with a dual-mode wireless communication protocol
US7756086B2 (en) 2004-03-03 2010-07-13 Sipco, Llc Method for communicating in dual-modes
US7853193B2 (en) 2004-03-17 2010-12-14 Leapfrog Enterprises, Inc. Method and device for audibly instructing a user to interact with a function
US7831933B2 (en) 2004-03-17 2010-11-09 Leapfrog Enterprises, Inc. Method and system for implementing a user interface for a device employing written graphical elements
EP1725976B2 (en) * 2004-03-17 2013-04-03 Nokia Corporation Continuous data provision by radio frequency identification (rfid) transponders
ATE428994T1 (en) 2004-03-19 2009-05-15 Nokia Corp DETECTOR LOGIC AND RADIO IDENTIFICATION DEVICE AND METHOD FOR IMPROVING TERMINAL OPERATION
US20050221813A1 (en) * 2004-04-05 2005-10-06 Jarno Rajahalme System and method for initiating auxiliary communication interfaces via a primary communication interface
KR100818992B1 (en) * 2004-05-31 2008-04-03 삼성전자주식회사 Apparatus and method for sending and receiving digital right objects in a transfomred format between device and portable storage
WO2005119608A1 (en) * 2004-06-03 2005-12-15 Tyfone, Inc. System and method for securing financial transactions
US20050269402A1 (en) * 2004-06-03 2005-12-08 Tyfone, Inc. System and method for securing financial transactions
US20060012479A1 (en) * 2004-06-18 2006-01-19 Meir Ezra Fuel dispensing system
US7693797B2 (en) * 2004-06-21 2010-04-06 Nokia Corporation Transaction and payment system security remote authentication/validation of transactions from a transaction provider
US20080261558A1 (en) * 2004-06-22 2008-10-23 Paysetter Pte Ltd System and Method for Transferring Credit Between Mobile Phone Subscribers
US7318550B2 (en) 2004-07-01 2008-01-15 American Express Travel Related Services Company, Inc. Biometric safeguard method for use with a smartcard
TWI280770B (en) * 2004-07-09 2007-05-01 Inventec Appliances Corp System against illegal use of mobile phone
US7014107B2 (en) * 2004-07-20 2006-03-21 Irek Singer Wireless payment processing system
US8543723B2 (en) * 2004-07-27 2013-09-24 Sony Corporation Home network system with transmission error recovery
US20060045107A1 (en) * 2004-08-25 2006-03-02 Ray Kucenas Network solution for integrated control of electronic devices between different sites
EP1640896B1 (en) * 2004-09-28 2016-03-09 Swisscom AG Method for recycling products
US7774232B2 (en) * 2004-09-30 2010-08-10 Alcatel-Lucent Usa Inc. Wireless distribution of content files
US7124937B2 (en) * 2005-01-21 2006-10-24 Visa U.S.A. Inc. Wireless payment methods and systems
WO2006081206A1 (en) 2005-01-25 2006-08-03 Sipco, Llc Wireless network protocol systems and methods
US9910341B2 (en) 2005-01-31 2018-03-06 The Invention Science Fund I, Llc Shared image device designation
US7581678B2 (en) * 2005-02-22 2009-09-01 Tyfone, Inc. Electronic transaction card
US20060226217A1 (en) * 2005-04-07 2006-10-12 Tyfone, Inc. Sleeve for electronic transaction card
GB0507285D0 (en) 2005-04-11 2005-05-18 Innovision Res & Tech Plc Nfc enabled high-speed data
US20090144391A1 (en) * 2007-11-30 2009-06-04 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Audio sharing
US9942511B2 (en) 2005-10-31 2018-04-10 Invention Science Fund I, Llc Preservation/degradation of video/audio aspects of a data stream
US10003762B2 (en) 2005-04-26 2018-06-19 Invention Science Fund I, Llc Shared image devices
US20070222865A1 (en) 2006-03-15 2007-09-27 Searete Llc, A Limited Liability Corporation Of The State Of Delaware Enhanced video/still image correlation
JP2008539492A (en) * 2005-04-29 2008-11-13 スプリングボード リテール ネットワークス ライセンシング エスアールエル User information management system and method via network
TWI259385B (en) * 2005-05-03 2006-08-01 Shooter Digital Co Ltd Electronic transaction system capable of enhancing transaction security and electronic transaction method thereof
USRE47633E1 (en) 2005-06-22 2019-10-01 Odyssey Wireless Inc. Systems/methods of conducting a financial transaction using a smartphone
US8670493B2 (en) 2005-06-22 2014-03-11 Eices Research, Inc. Systems and/or methods of increased privacy wireless communications
WO2007008860A2 (en) * 2005-07-11 2007-01-18 Conrad Sheehan Secure electronic transactions between a mobile device and other mobile, fixed or virtual devices
JP4834729B2 (en) * 2005-07-22 2011-12-14 カンガルー メディア インコーポレイテッド Systems and methods for promoting the spectator experience of live sporting events
US8042140B2 (en) 2005-07-22 2011-10-18 Kangaroo Media, Inc. Buffering content on a handheld electronic device
WO2007012675A1 (en) * 2005-07-26 2007-02-01 Lanetro Zed, S.A. Application activation method
US7922099B1 (en) 2005-07-29 2011-04-12 Leapfrog Enterprises, Inc. System and method for associating content with an image bearing surface
WO2007019387A2 (en) * 2005-08-04 2007-02-15 Transaction Network Services, Inc. Systems and method for vending machine settlement
US9818120B2 (en) * 2015-02-20 2017-11-14 Innovative Global Systems, Llc Automated at-the-pump system and method for managing vehicle fuel purchases
CN1924995B (en) * 2005-08-31 2010-05-05 中国科学院声学研究所 Content analysis based short message ask/answer system implementing method
US20130332343A1 (en) 2005-10-06 2013-12-12 C-Sam, Inc. Multi-tiered, secure mobile transactions ecosystem enabling platform comprising a personalization tier, a service tier, and an enabling tier
WO2007044500A2 (en) 2005-10-06 2007-04-19 C-Sam, Inc. Transactional services
US10032160B2 (en) 2005-10-06 2018-07-24 Mastercard Mobile Transactions Solutions, Inc. Isolating distinct service provider widgets within a wallet container
US7936339B2 (en) 2005-11-01 2011-05-03 Leapfrog Enterprises, Inc. Method and system for invoking computer functionality by interaction with dynamically generated interface regions of a writing surface
US8290433B2 (en) * 2007-11-14 2012-10-16 Blaze Mobile, Inc. Method and system for securing transactions made through a mobile communication device
US8352323B2 (en) * 2007-11-30 2013-01-08 Blaze Mobile, Inc. Conducting an online payment transaction using an NFC enabled mobile communication device
US8599143B1 (en) 2006-02-06 2013-12-03 Leapfrog Enterprises, Inc. Switch configuration for detecting writing pressure in a writing device
US20070187482A1 (en) * 2006-02-13 2007-08-16 Castro Alberto J Point of Sale Transaction Method and System
US7552867B2 (en) * 2006-03-15 2009-06-30 Qualcomm Incorporated M-commerce virtual cash system, method, and apparatus
US7769410B2 (en) * 2006-03-29 2010-08-03 A-Men Technology Corporation Module structure for expanding and enhancing functions of a SIM card
US20070265984A1 (en) * 2006-04-24 2007-11-15 Prakash Santhana Financial transaction using mobile devices
US7962159B2 (en) * 2006-04-25 2011-06-14 International Business Machines Corporation Method and system for receiving data on a portable device
US7562813B2 (en) * 2006-05-10 2009-07-21 First Data Corporation System and method for activating telephone-based payment instrument
US7764977B2 (en) * 2006-05-24 2010-07-27 Nokia Corporation Memory card removal guard
US8016192B2 (en) * 2006-06-06 2011-09-13 Motorola Mobility, Inc. User-configurable priority list for mobile device electronic payment applications
US9230437B2 (en) * 2006-06-20 2016-01-05 Zonar Systems, Inc. Method and apparatus to encode fuel use data with GPS data and to analyze such data
US10056008B1 (en) 2006-06-20 2018-08-21 Zonar Systems, Inc. Using telematics data including position data and vehicle analytics to train drivers to improve efficiency of vehicle use
US8261967B1 (en) 2006-07-19 2012-09-11 Leapfrog Enterprises, Inc. Techniques for interactively coupling electronic content with printed media
US7886962B2 (en) * 2006-08-17 2011-02-15 Verizon Patent And Licensing Inc. Multi-function transaction device
US7637425B2 (en) * 2006-11-28 2009-12-29 Motorola, Inc. Method and system for wireless and credit card transactions
US7991158B2 (en) 2006-12-13 2011-08-02 Tyfone, Inc. Secure messaging
US10311427B2 (en) * 2006-12-29 2019-06-04 Google Technology Holdings LLC Method and system for monitoring secure application execution events during contactless RFID/NFC communication
US20080162312A1 (en) * 2006-12-29 2008-07-03 Motorola, Inc. Method and system for monitoring secure applet events during contactless rfid/nfc communication
EP2118837A4 (en) 2007-01-09 2012-07-11 Visa Usa Inc Mobile phone payment process including threshold indicator
US20080172698A1 (en) * 2007-01-12 2008-07-17 Berger Adam L Performing support functions on a portable device
US8655419B2 (en) * 2007-02-01 2014-02-18 Microsoft Corporation Providing a power state alter signal to a device based upon a position signal corresponding to the mobile device
US7533059B2 (en) * 2007-03-14 2009-05-12 Microsoft Corporation Purchasing using a physical object
WO2008114931A1 (en) * 2007-03-16 2008-09-25 Lg Electronics Inc. Performing contactless applications in battery off mode
US20080244208A1 (en) * 2007-03-30 2008-10-02 Narendra Siva G Memory card hidden command protocol
US8688570B2 (en) * 2007-04-27 2014-04-01 American Express Travel Related Services Company, Inc. System and method for performing person-to-person funds transfers via wireless communications
US8078225B2 (en) * 2007-07-02 2011-12-13 Infineon Technologies Ag Communication device, mobile device and method of communication
KR20090011149A (en) * 2007-07-25 2009-02-02 삼성전자주식회사 A method of purchasing a digital broadcast service in a portable terminal which is equipped a smart card and an apparatus thereof
TW200906151A (en) * 2007-07-31 2009-02-01 Chunghwa Telecom Co Ltd Electronic wallet Combi-SIM card architecture combining mobile device non-contact transceiver
US8838472B2 (en) 2007-08-14 2014-09-16 First Data Corporation Mobile system and method for exchanging point value
US20090070269A1 (en) * 2007-09-06 2009-03-12 Shaunt Mark Sarkissian Systems, methods and apparatuses for secure digital transactions
US9129284B2 (en) * 2007-09-06 2015-09-08 Shaunt Mark Sarkissian Systems, methods and apparatuses for secure digital transactions
US20100019045A1 (en) * 2007-09-06 2010-01-28 Shaunt Mark Sarkissian Systems, methods and apparatuses for secure digital transactions
US8041338B2 (en) * 2007-09-10 2011-10-18 Microsoft Corporation Mobile wallet and digital payment
US20090069049A1 (en) * 2007-09-12 2009-03-12 Devicefidelity, Inc. Interfacing transaction cards with host devices
US8070057B2 (en) 2007-09-12 2011-12-06 Devicefidelity, Inc. Switching between internal and external antennas
US9304555B2 (en) 2007-09-12 2016-04-05 Devicefidelity, Inc. Magnetically coupling radio frequency antennas
US8915447B2 (en) 2007-09-12 2014-12-23 Devicefidelity, Inc. Amplifying radio frequency signals
US9311766B2 (en) 2007-09-12 2016-04-12 Devicefidelity, Inc. Wireless communicating radio frequency signals
US9177313B1 (en) * 2007-10-18 2015-11-03 Jpmorgan Chase Bank, N.A. System and method for issuing, circulating and trading financial instruments with smart features
US20090117846A1 (en) * 2007-11-05 2009-05-07 Apple Inc. Media distribution kiosk with virtual connector for interfacing with a personal media device
WO2009068088A1 (en) * 2007-11-28 2009-06-04 Nokia Corporation Data transmission between an apparatus and a smart card unit
US9741027B2 (en) * 2007-12-14 2017-08-22 Tyfone, Inc. Memory card based contactless devices
TWI398155B (en) * 2007-12-18 2013-06-01 Inventec Appliances Corp Portable communication device having matching function and portable communication system and communication method therefor
KR100972604B1 (en) * 2007-12-27 2010-07-28 고려대학교 산학협력단 Tag for RFID, wireless transmission system and method for large scale multimedia contents using the same
GB2455999A (en) * 2007-12-31 2009-07-01 Cvon Innovations Ltd Transaction processing
CA2650348A1 (en) * 2008-01-22 2009-07-22 Accenture Global Services Gmbh Knowledge transfer in a project environment
US20090216665A1 (en) * 2008-02-21 2009-08-27 The Coca-Cola Company Systems and Methods for Providing Vending Network Data Management
US20090216675A1 (en) * 2008-02-21 2009-08-27 The Coca-Cola Company Commission Centric Network Operation Systems and Methods
US8645273B2 (en) * 2008-02-21 2014-02-04 The Coca-Cola Company Systems and methods for providing a vending network
US9460440B2 (en) * 2008-02-21 2016-10-04 The Coca-Cola Company Systems and methods for providing electronic transaction auditing and accountability
US20090222300A1 (en) * 2008-03-03 2009-09-03 The Coca-Cola Company Systems and Methods of Marketing to Defined Consumer Groups
US8121917B2 (en) * 2008-03-03 2012-02-21 The Coca-Cola Company Systems for implementing a loyalty program
US20090222339A1 (en) * 2008-03-03 2009-09-03 The Coca-Cola Company Systems and Methods for Providing a Personal Terminal for a Loyalty Program
US8015088B2 (en) 2008-03-03 2011-09-06 The Coca-Cola Company Methods for implementing a loyalty program
US8897742B2 (en) 2009-11-13 2014-11-25 William J. Johnson System and method for sudden proximal user interface
US8600341B2 (en) 2008-03-14 2013-12-03 William J. Johnson System and method for location based exchanges of data facilitating distributed locational applications
US8566839B2 (en) 2008-03-14 2013-10-22 William J. Johnson System and method for automated content presentation objects
US8634796B2 (en) 2008-03-14 2014-01-21 William J. Johnson System and method for location based exchanges of data facilitating distributed location applications
US8639267B2 (en) 2008-03-14 2014-01-28 William J. Johnson System and method for location based exchanges of data facilitating distributed locational applications
US8761751B2 (en) 2008-03-14 2014-06-24 William J. Johnson System and method for targeting data processing system(s) with data
ES2347113B1 (en) * 2008-04-03 2011-09-07 Vodafone España, S.A. METHOD AND SYSTEM FOR THE TRANSFER OF RESOURCES BETWEEN USER TERMINALS.
US20090271305A1 (en) * 2008-04-23 2009-10-29 Raghav Lal Payment portfolio optimization
US20090271327A1 (en) * 2008-04-23 2009-10-29 Raghav Lal Payment portfolio optimization
US20090288012A1 (en) 2008-05-18 2009-11-19 Zetawire Inc. Secured Electronic Transaction System
US8548428B2 (en) 2009-01-28 2013-10-01 Headwater Partners I Llc Device group partitions and settlement platform
US8275830B2 (en) 2009-01-28 2012-09-25 Headwater Partners I Llc Device assisted CDR creation, aggregation, mediation and billing
US8406748B2 (en) 2009-01-28 2013-03-26 Headwater Partners I Llc Adaptive ambient services
US8402111B2 (en) 2009-01-28 2013-03-19 Headwater Partners I, Llc Device assisted services install
US8331901B2 (en) 2009-01-28 2012-12-11 Headwater Partners I, Llc Device assisted ambient services
US8832777B2 (en) 2009-03-02 2014-09-09 Headwater Partners I Llc Adapting network policies based on device service processor configuration
US8346225B2 (en) 2009-01-28 2013-01-01 Headwater Partners I, Llc Quality of service for device assisted services
US8589541B2 (en) 2009-01-28 2013-11-19 Headwater Partners I Llc Device-assisted services for protecting network capacity
US8452258B2 (en) * 2008-06-20 2013-05-28 Movirtu Limited Method and system to implement telephone billing to incentivize shared mobile phone usage
KR100988230B1 (en) * 2008-06-30 2010-10-18 주식회사 티모넷 The charge money transfer system and method of the electronic payment means using cellular phone
TWI503767B (en) * 2008-08-01 2015-10-11 Chiun Mai Comm Systems Inc Mobile device and method for using credit card for payment
US8451122B2 (en) 2008-08-08 2013-05-28 Tyfone, Inc. Smartcard performance enhancement circuits and systems
US7961101B2 (en) 2008-08-08 2011-06-14 Tyfone, Inc. Small RFID card with integrated inductive element
US20100033310A1 (en) * 2008-08-08 2010-02-11 Narendra Siva G Power negotation for small rfid card
CN101981818B (en) * 2008-08-08 2013-09-25 Sk普兰尼特有限公司 Interface system between a terminal and a smart card, method for same, and smart card applied to same
US8086269B2 (en) * 2008-09-12 2011-12-27 A-Men Technology Corporation Modular structure to expand and enhance subscriber identity module card functionality
FR2936630B1 (en) * 2008-09-30 2013-03-29 Electricite De France METHOD FOR CHARGING ELECTRIC ENERGY OF A MOBILE EQUIPMENT USING A REMOTE PAYMENT METHOD
US8275714B2 (en) * 2008-10-05 2012-09-25 Eugenio Rafael A Method for performing a digital cash transaction
US9462411B2 (en) 2008-11-04 2016-10-04 Telcom Ventures, Llc Mobile device mode enablement responsive to a proximity criterion
US20100148928A1 (en) * 2008-12-15 2010-06-17 Mobile Payment Skins Llc Payment skin with contactless chip
US9505317B2 (en) * 2008-12-22 2016-11-29 General Electric Company System and method for electric vehicle charging and billing using a wireless vehicle communication service
US8315930B2 (en) 2008-12-22 2012-11-20 General Electric Company Systems and methods for charging an electric vehicle using broadband over powerlines
US20100161393A1 (en) * 2008-12-22 2010-06-24 Nathan Bowman Littrell Systems and methods for charging an electric vehicle within a parking area
US20100156349A1 (en) * 2008-12-22 2010-06-24 Nathan Bowman Littrell System and method for pay as you go charging for electric vehicles
US9030153B2 (en) * 2008-12-22 2015-05-12 General Electric Company Systems and methods for delivering energy to an electric vehicle with parking fee collection
US8583551B2 (en) * 2008-12-22 2013-11-12 General Electric Company Systems and methods for prepaid electric metering for vehicles
US9396462B2 (en) * 2008-12-22 2016-07-19 General Electric Company System and method for roaming billing for electric vehicles
CN101771754B (en) * 2008-12-31 2014-04-23 北京联想软件有限公司 Mobile terminal and method for near-field communication thereof
US20100191551A1 (en) * 2009-01-26 2010-07-29 Apple Inc. Systems and methods for accessing hotel services using a portable electronic device
US10200541B2 (en) 2009-01-28 2019-02-05 Headwater Research Llc Wireless end-user device with divided user space/kernel space traffic policy system
US9392462B2 (en) 2009-01-28 2016-07-12 Headwater Partners I Llc Mobile end-user device with agent limiting wireless data communication for specified background applications based on a stored policy
US10484858B2 (en) 2009-01-28 2019-11-19 Headwater Research Llc Enhanced roaming services and converged carrier networks with device assisted services and a proxy
US9706061B2 (en) 2009-01-28 2017-07-11 Headwater Partners I Llc Service design center for device assisted services
US10798252B2 (en) 2009-01-28 2020-10-06 Headwater Research Llc System and method for providing user notifications
US10237757B2 (en) 2009-01-28 2019-03-19 Headwater Research Llc System and method for wireless network offloading
US9572019B2 (en) 2009-01-28 2017-02-14 Headwater Partners LLC Service selection set published to device agent with on-device service selection
US9565707B2 (en) 2009-01-28 2017-02-07 Headwater Partners I Llc Wireless end-user device with wireless data attribution to multiple personas
US10264138B2 (en) 2009-01-28 2019-04-16 Headwater Research Llc Mobile device and service management
US10779177B2 (en) 2009-01-28 2020-09-15 Headwater Research Llc Device group partitions and settlement platform
US10064055B2 (en) 2009-01-28 2018-08-28 Headwater Research Llc Security, fraud detection, and fraud mitigation in device-assisted services systems
US10248996B2 (en) 2009-01-28 2019-04-02 Headwater Research Llc Method for operating a wireless end-user device mobile payment agent
US10326800B2 (en) 2009-01-28 2019-06-18 Headwater Research Llc Wireless network service interfaces
US10783581B2 (en) 2009-01-28 2020-09-22 Headwater Research Llc Wireless end-user device providing ambient or sponsored services
US11218854B2 (en) 2009-01-28 2022-01-04 Headwater Research Llc Service plan design, user interfaces, application programming interfaces, and device management
US10715342B2 (en) 2009-01-28 2020-07-14 Headwater Research Llc Managing service user discovery and service launch object placement on a device
US10841839B2 (en) 2009-01-28 2020-11-17 Headwater Research Llc Security, fraud detection, and fraud mitigation in device-assisted services systems
US9954975B2 (en) 2009-01-28 2018-04-24 Headwater Research Llc Enhanced curfew and protection associated with a device group
US10492102B2 (en) 2009-01-28 2019-11-26 Headwater Research Llc Intermediate networking devices
US9270559B2 (en) 2009-01-28 2016-02-23 Headwater Partners I Llc Service policy implementation for an end-user device having a control application or a proxy agent for routing an application traffic flow
US9609510B2 (en) 2009-01-28 2017-03-28 Headwater Research Llc Automated credential porting for mobile devices
US9980146B2 (en) 2009-01-28 2018-05-22 Headwater Research Llc Communications device with secure data path processing agents
US9955332B2 (en) 2009-01-28 2018-04-24 Headwater Research Llc Method for child wireless device activation to subscriber account of a master wireless device
US8326221B2 (en) 2009-02-09 2012-12-04 Apple Inc. Portable electronic device with proximity-based content synchronization
US9092772B2 (en) * 2009-02-16 2015-07-28 Xius Corp. Integrated system and method for enabling mobile commerce transactions using “contactless identity modules in mobile handsets”
TWI420398B (en) * 2009-02-24 2013-12-21 Tyfone Inc Contactless device with miniaturized antenna
US9235831B2 (en) 2009-04-22 2016-01-12 Gofigure Payments, Llc Mobile payment systems and methods
EP2280580A1 (en) * 2009-07-07 2011-02-02 Nokia Corporation Data transfer with wirelessly powered communication devices
US9996825B1 (en) 2009-08-20 2018-06-12 Apple Inc. Electronic device enabled payments
CA2774189A1 (en) 2009-09-14 2011-03-17 Ingecom Sarl Identification module with an active tag
US8290552B2 (en) * 2009-11-10 2012-10-16 At&T Mobility Ii Llc Devices, systems and methods for identification through a mobile device
US10255591B2 (en) * 2009-12-18 2019-04-09 Visa International Service Association Payment channel returning limited use proxy dynamic value
US9065532B2 (en) * 2010-02-03 2015-06-23 Google Inc. Bump button
US8870065B2 (en) * 2010-03-16 2014-10-28 Sherry Brennan Multi-use electronic card balance reader
EP2371612A1 (en) * 2010-03-31 2011-10-05 Deutsche Telekom AG Charging system with an electricity charging point and method for interacting between electricity charging point and user
US10640357B2 (en) 2010-04-14 2020-05-05 Restaurant Technology Inc. Structural food preparation systems and methods
GB201008368D0 (en) 2010-05-20 2010-07-07 Moore Jesse K Mobile meter
US10665040B2 (en) 2010-08-27 2020-05-26 Zonar Systems, Inc. Method and apparatus for remote vehicle diagnosis
US10600096B2 (en) 2010-11-30 2020-03-24 Zonar Systems, Inc. System and method for obtaining competitive pricing for vehicle services
US9856129B2 (en) 2010-10-18 2018-01-02 Zonar Systems, Inc. Method and apparatus for automatically monitoring fuel tank ullage in an automated fuel authorization program
US9815681B2 (en) 2010-10-18 2017-11-14 Zonar Systems, Inc. Apparatus for use in an automated fuel authorization program requiring data to be dynamically retrieved from a vehicle data bus during fuel authorization
US9881432B2 (en) 2010-10-18 2018-01-30 Zonar Systems, Inc. Method and apparatus for an automated fuel authorization program for fuel terminals using a camera as part of the authorization process
US9828233B2 (en) 2010-10-18 2017-11-28 Zonar Systems, Inc. Method and apparatus for automatically monitoring fuel tank ullage in an automated fuel authorization program
US8914184B2 (en) 2012-04-01 2014-12-16 Zonar Systems, Inc. Method and apparatus for matching vehicle ECU programming to current vehicle operating conditions
US10431020B2 (en) 2010-12-02 2019-10-01 Zonar Systems, Inc. Method and apparatus for implementing a vehicle inspection waiver program
US10706647B2 (en) 2010-12-02 2020-07-07 Zonar Systems, Inc. Method and apparatus for implementing a vehicle inspection waiver program
US8736419B2 (en) 2010-12-02 2014-05-27 Zonar Systems Method and apparatus for implementing a vehicle inspection waiver program
US8355805B2 (en) 2011-03-08 2013-01-15 D. Light Design, Inc. Systems and methods for activation and deactivation of appliances
US20120253974A1 (en) * 2011-03-30 2012-10-04 Nokia Corporation Method and apparatus for providing memory tag-based payment methods
US8543087B2 (en) * 2011-04-26 2013-09-24 Boku, Inc. Systems and methods to facilitate repeated purchases
US10319174B2 (en) 2011-06-30 2019-06-11 Ncr Corporation System and method for ordering items
DE102011051586A1 (en) * 2011-07-05 2013-01-10 Huf Hülsbeck & Fürst Gmbh & Co. Kg Mobile identification transmitter, which can be brought into a normal state and into a safety state
BR112014008941A2 (en) 2011-10-12 2017-05-02 C-Sam Inc platform that enables secure multilayer mobile transactions
US9171304B2 (en) 2011-11-22 2015-10-27 Aurus Inc. Systems and methods for removing point of sale processing from PCI scope
US9047594B2 (en) 2012-02-27 2015-06-02 American Express Travel Related Services Company, Inc. Smart phone system and method
EP2823413A4 (en) 2012-03-07 2016-05-04 Snap Trends Inc Methods and systems of aggregating information of social networks based on geographical locations via a network
US8875998B2 (en) 2012-07-23 2014-11-04 Sherry Brennan Middle class america card
US8410898B1 (en) 2012-08-16 2013-04-02 Google Inc. Near field communication based key sharing techniques
US9384613B2 (en) 2012-08-16 2016-07-05 Google Inc. Near field communication based key sharing techniques
US8963717B2 (en) * 2012-09-28 2015-02-24 Mohammad MOHIUDDIN Mobile device initiated retail transaction using wireless communication for security tag detachment
US20140136348A1 (en) 2012-11-12 2014-05-15 Restaurant Technology Inc. System and method for receiving and managing remotely placed orders
US9787950B2 (en) 2013-03-15 2017-10-10 Zonar Systems, Inc. Method and apparatus for an automated fuel authorization program for fuel terminals using a camera as part of the authorization process
US9607464B2 (en) 2013-03-15 2017-03-28 Zonar Systems, Inc. Method and apparatus for fuel island authorization for trucking industry using proximity sensors
US9477991B2 (en) 2013-08-27 2016-10-25 Snap Trends, Inc. Methods and systems of aggregating information of geographic context regions of social networks based on geographical locations via a network
US9894489B2 (en) 2013-09-30 2018-02-13 William J. Johnson System and method for situational proximity observation alerting privileged recipients
US11349675B2 (en) * 2013-10-18 2022-05-31 Alcatel-Lucent Usa Inc. Tamper-resistant and scalable mutual authentication for machine-to-machine devices
ES2542826B1 (en) * 2014-02-10 2016-05-19 Alvarez Omar Daniel Briscik High security digital wallet
US11170434B1 (en) 2014-06-16 2021-11-09 Excentus Corporation Systems and methods for emulating a fuel pump and marketing on a mobile device
US10360551B1 (en) 2014-06-16 2019-07-23 Excentus Corporation Systems and methods for emulating a point of sale on a mobile device
JP6164655B2 (en) * 2014-07-11 2017-07-19 株式会社Mrsホールディングズ CONVERSION ELECTRONIC DEVICE, INVERSE CONVERSION ELECTRONIC DEVICE, PROGRAM, AND INFORMATION COMMUNICATION SYSTEM
US9135615B1 (en) 2014-08-18 2015-09-15 Aurus, Inc. Systems and methods for processing payment transactions at fuel dispensing stations
US10176467B2 (en) * 2014-11-21 2019-01-08 Gas Pump TV, LLC System and method for facilitating and processing consumer transactions at a gas pump and for managing a fuel media network
AU2016271110B2 (en) * 2015-05-29 2021-08-05 Groupon, Inc. Mobile search
WO2017111271A1 (en) * 2015-12-23 2017-06-29 Lg Electronics Inc. Mobile device and operating method hereof
PL230042B1 (en) * 2016-04-20 2018-09-28 Tomasz Bruliński Auxiliary payment stand in the form of a shopping trolley
WO2018167545A1 (en) * 2017-03-17 2018-09-20 Nultan Nigeria Limited Call credit (airtime) ticket system with hand held reader validation devices
US11244301B2 (en) * 2019-04-02 2022-02-08 Diebold Nixdorf, Incorporated Mobile cart reconciliation
US20220284254A1 (en) * 2019-08-23 2022-09-08 Satellite Displays Inc. Reconfigurable interaction badge
EP4035434A1 (en) * 2019-09-25 2022-08-03 May, Cameron Methods and systems for relaying a payment card detail during a telephone call between a customer's telephone and a vendor's telephone
US11574307B2 (en) 2020-08-06 2023-02-07 Bank Of America Corporation Three party authentication using quantum key distribution
WO2022255991A1 (en) * 2021-06-01 2022-12-08 Verifone, Inc. Systems and methods for payment terminal accessibility using mobile electronic devices

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1994011849A1 (en) * 1992-11-11 1994-05-26 Telecom Finland Oy Mobile telephone systems and a method for carrying out financial transactions by means of a mobile telephone system
US5359182A (en) * 1992-10-06 1994-10-25 Interdigital Technology Corporation Wireless telephone debit card system and method

Family Cites Families (158)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3713148A (en) * 1970-05-21 1973-01-23 Communications Services Corp I Transponder apparatus and system
US4189712A (en) * 1977-11-09 1980-02-19 Lemelson Jerome H Switch and lock activating system and method
US4277837A (en) * 1977-12-30 1981-07-07 International Business Machines Corporation Personal portable terminal for financial transactions
US4305059A (en) * 1980-01-03 1981-12-08 Benton William M Modular funds transfer system
US4454414A (en) * 1982-06-16 1984-06-12 Vericard Corporation Funds transfer system using optically coupled, portable modules
GB8524020D0 (en) 1985-09-30 1985-11-06 British Telecomm Electronic funds transfer
US5468947A (en) * 1986-08-08 1995-11-21 Norand Corporation Pocket size data capture unit with processor and shell modules
JPS6427328A (en) 1987-03-20 1989-01-30 Iwatsu Electric Co Ltd Portable telephone system
US4823928A (en) * 1987-04-16 1989-04-25 Pom Incorporated Electronic parking meter system
US4880097A (en) * 1987-04-16 1989-11-14 Pom Incorporated Park card system for electronic parking meter
US5127040A (en) * 1987-06-02 1992-06-30 Motorola, Inc. Radiotelephone telephone number down loading
US4860336A (en) * 1987-06-02 1989-08-22 Motorola, Inc. Radiotelephone credit card data communications
EP0301127B1 (en) * 1987-07-31 1993-12-01 Texas Instruments Deutschland Gmbh Transponder arrangement
JP2753565B2 (en) 1988-01-26 1998-05-20 日立マクセル株式会社 IC card data transmission method
FR2636154B1 (en) 1988-09-08 1991-04-19 Regie Autonome Transports NON-CONTACT INFRARED PEARING PROCESS BY MEMORY CARD, PARTICULARLY FOR MEANS OF TRANSPORT, AND PEARING DEVICE USING SUCH A METHOD
CA1317638C (en) * 1988-09-09 1993-05-11 Stephen B. Meads Mobile pay telephone system
US5134717A (en) * 1988-11-26 1992-07-28 Motorola, Inc. Radio telephone with repertory dialer
US4965821A (en) * 1988-12-23 1990-10-23 Gte Mobilnet Incorporated Cellular mobile radiotelephone-based system for rental of mobile equipment
FR2641635A1 (en) 1989-01-06 1990-07-13 Heckmann Antoine Method of paying parking charges by infrared radiation and prepaid card and device for implementing it
JPH02305159A (en) * 1989-05-19 1990-12-18 Toshiba Corp Radio telephone set
US5068891A (en) * 1989-05-31 1991-11-26 Marshall Marvin E Credit control system for long distance telephone services
US5023936A (en) * 1989-08-07 1991-06-11 General Electric Company Method and apparatus for externally defining the operational mode of a digital radio transceiver
US5077832A (en) * 1989-08-07 1991-12-31 Ericsson Ge Mobile Communications Inc. Radio transceiver with optional display
US5175759A (en) * 1989-11-20 1992-12-29 Metroka Michael P Communications device with movable element control interface
ES2076482T3 (en) 1990-01-30 1995-11-01 Visa Int Service Ass INTERNATIONAL AUTHORIZATION SYSTEM.
GB2241133A (en) 1990-02-14 1991-08-21 Motorola Inc Radiotelephone having removable memory means for storing radio user validation code
FI88842C (en) * 1990-03-22 1993-07-12 Nokia Mobile Phones Ltd Checking the card connection
JPH03273465A (en) 1990-03-23 1991-12-04 Yokogawa Electric Corp Wireless type charge paying device of charge prepayment system and portable medium
US5241410A (en) * 1990-06-21 1993-08-31 Litephone Systems Ltd. Enhanced infrared-connected telephone system
JPH0483447A (en) 1990-07-26 1992-03-17 Tamura Electric Works Ltd Mobile radio telephone system
JP2910185B2 (en) 1990-08-20 1999-06-23 横河電機株式会社 Wireless fee payment system
US5138650A (en) * 1990-09-27 1992-08-11 Motorola, Inc. Cordless telephone with internal debit and credit memory
JPH04150444A (en) * 1990-10-11 1992-05-22 Matsushita Electric Ind Co Ltd Terminal equipment for radio telephone system
US5353382A (en) * 1990-10-15 1994-10-04 California Institute Of Technology Programmable synapse for neural network applications
GB2248999B (en) 1990-10-17 1994-09-21 Racal Vodafone Ltd Telecommunication networks
US5144649A (en) * 1990-10-24 1992-09-01 Gte Mobile Communications Service Corporation Cellular radiotelephone credit card paystation method
US5220593A (en) 1990-10-24 1993-06-15 Gte Mobile Communications Service Corporation Cellular radiotelephone credit card paystation method
US5223699A (en) * 1990-11-05 1993-06-29 At&T Bell Laboratories Recording and billing system
DE69127881T2 (en) 1990-12-10 1998-02-05 Thomson Multimedia Sa Method and device for forming an interface between chip cards and terminals
US5221838A (en) * 1990-12-24 1993-06-22 Motorola, Inc. Electronic wallet
SE467559B (en) 1991-04-12 1992-08-03 Comvik Gsm Ab PHONE SYSTEM PROCEDURES
FI89993C (en) * 1991-05-31 1993-12-10 Nokia Mobile Phones Ltd Programming installation data in a mobile phone
FI89432C (en) * 1991-06-26 1993-09-27 Nokia Mobile Phones Ltd GENERING AV EN KLOCKFREKVENS I ETT SMART CARD GRAENSSNITT
FI96564C (en) * 1991-07-08 1996-07-10 Nokia Mobile Phones Ltd Private telephone number in cellular telephone system
US5659890A (en) * 1991-07-25 1997-08-19 Casio Computer Co., Ltd. Portable radio apparatus equipped with function to display received message information
JPH0554205A (en) 1991-08-21 1993-03-05 Sharp Corp Ic card system
GB2259737B (en) * 1991-09-19 1996-02-07 Klidi Technology Corp Remotely-operated self-contained electronic lock security system assembly
US5933086A (en) * 1991-09-19 1999-08-03 Schlage Lock Company Remotely-operated self-contained electronic lock security system assembly
US5625669A (en) * 1991-09-27 1997-04-29 Telemac Cellular Corporation Mobile phone with internal call accounting controls
US5294782A (en) * 1991-09-27 1994-03-15 Khyber Technologies Corporation Integrated portable device for point of sale transactions
US5453601A (en) 1991-11-15 1995-09-26 Citibank, N.A. Electronic-monetary system
US5382952A (en) * 1992-01-22 1995-01-17 Indala Corporation Transponder for proximity identification system
FI98183C (en) 1992-02-14 1997-04-25 Nokia Mobile Phones Ltd Arrangement for connecting a data adapter to a GSM cellular telephone
FI106902B (en) * 1992-02-28 2001-04-30 Nokia Networks Oy RADIOPHONE
GB2267794A (en) * 1992-04-24 1993-12-15 Alan Kilpatrick Conroy A pre-payable mobile cellular phone
US5754655A (en) * 1992-05-26 1998-05-19 Hughes; Thomas S. System for remote purchase payment and remote bill payment transactions
US5787174A (en) * 1992-06-17 1998-07-28 Micron Technology, Inc. Remote identification of integrated circuit
US5799068A (en) * 1992-06-29 1998-08-25 Elonex I.P. Holdings Ltd. Smart phone integration with computer systems
GB2269032B (en) 1992-07-21 1996-03-20 Orbitel Mobile Communications Reprogramming methods and apparatus
GB2269512B (en) * 1992-08-03 1996-08-14 Nokia Mobile Phones Uk Radio arrangement
FI109496B (en) 1992-08-18 2002-08-15 Nokia Corp Apparatus and method for providing digital infrared communication between a base unit of a radiotelephone device and another device
CA2101953A1 (en) * 1992-09-04 1994-03-05 Jeffrey Charles Smolinske System and method for transferring information between a radio transceiver and a portable memory element
US5850599A (en) * 1992-09-25 1998-12-15 Ecs Enhanced Cellular Systems Manufacturing Inc. Portable cellular telephone with credit card debit system
US5550897A (en) * 1992-09-25 1996-08-27 Seiderman; Abe Cellular telephone calling system using credit card validation
SE9202847L (en) 1992-10-01 1993-10-25 Nordictel Ab Digital mobile telephone system in which each subscription is assigned a subscriber number and multiple subscriber cards (SIM)
US5465401A (en) * 1992-12-15 1995-11-07 Texas Instruments Incorporated Communication system and methods for enhanced information transfer
US5335276A (en) * 1992-12-16 1994-08-02 Texas Instruments Incorporated Communication system and methods for enhanced information transfer
US5351187A (en) * 1992-12-30 1994-09-27 At/Comm Incorporated Automatic debiting parking meter system
US5864818A (en) * 1993-01-04 1999-01-26 Feldman; Ron Automated hotel reservation processing method and system
US5506893A (en) * 1993-02-19 1996-04-09 At&T Corp. Telecommunication network arrangement for providing real time access to call records
DE4307122A1 (en) * 1993-03-06 1994-09-08 Sel Alcatel Ag Smart card
JPH06284067A (en) 1993-03-30 1994-10-07 Toshiba Corp Portable radio telephone set
US5604485A (en) * 1993-04-21 1997-02-18 Motorola Inc. RF identification tag configurations and assemblies
US20010016825A1 (en) * 1993-06-08 2001-08-23 Pugliese, Anthony V. Electronic ticketing and reservation system and method
ES2282990T3 (en) * 1993-06-15 2007-10-16 British Technology Group Inter-Corporate Licensing Limited TELECOMMUNICATIONS SYSTEM.
US5453747A (en) * 1993-06-28 1995-09-26 Texas Instruments Deutschland Gmbh Transponder systems for automatic identification purposes
US5418837A (en) * 1993-07-30 1995-05-23 Ericsson-Ge Mobile Communications Inc. Method and apparatus for upgrading cellular mobile telephones
US5574775A (en) * 1993-08-04 1996-11-12 Lucent Technologies, Inc. Universal wireless radiotelephone system
JPH0750890A (en) 1993-08-05 1995-02-21 Mitsubishi Electric Corp Speaker device
GB2282906B (en) * 1993-10-13 1996-11-06 Dataquill Ltd Data enty systems
US5487175A (en) * 1993-11-15 1996-01-23 Qualcomm Incorporated Method of invoking and canceling voice or data service from a mobile unit
JPH07231367A (en) * 1994-02-17 1995-08-29 Fujitsu Ltd Personal communication charging service device by credit card
US5497411A (en) * 1994-03-14 1996-03-05 Pellerin; Joseph C. E. Telecommunications card-access system
US5488376A (en) * 1994-04-26 1996-01-30 Texas Instruments Incorporated Transponder interface circuit
US5724655A (en) * 1994-04-12 1998-03-03 Motorola, Inc. Method and apparatus for operating a communication unit consisting of multiple devices
US5528222A (en) * 1994-09-09 1996-06-18 International Business Machines Corporation Radio frequency circuit and memory in thin flexible package
DE9415302U1 (en) * 1994-09-20 1995-01-26 Koehler Juergen Mobile phone with reading and application unit for multifunction cards
US5608778A (en) * 1994-09-22 1997-03-04 Lucent Technologies Inc. Cellular telephone as an authenticated transaction controller
US5604787A (en) * 1994-10-07 1997-02-18 Motorola, Inc. Method and apparatus for transferring information to a device in a communication system
SE515521C2 (en) 1994-10-11 2001-08-20 Combitech Traffic System Ab Method and apparatus for radio communication between mutually moving objects
JP3571383B2 (en) * 1994-10-19 2004-09-29 株式会社日立製作所 IC card, IC card read / write device and electronic wallet system
US5748737A (en) * 1994-11-14 1998-05-05 Daggar; Robert N. Multimedia electronic wallet with generic card
US5854975A (en) * 1994-12-23 1998-12-29 Freedom Wireless, Inc. Prepaid security cellular telecommunications system
US5577100A (en) * 1995-01-30 1996-11-19 Telemac Cellular Corporation Mobile phone with internal accounting
US6771981B1 (en) * 2000-08-02 2004-08-03 Nokia Mobile Phones Ltd. Electronic device cover with embedded radio frequency (RF) transponder and methods of using same
FI99071C (en) * 1995-02-15 1997-09-25 Nokia Mobile Phones Ltd Procedure for use of applications in a mobile telephone as well as a mobile telephone
FI102018B1 (en) 1995-02-28 1998-09-30 Parkit Oy Parking charge system, inspection device and means of identification
US5602919A (en) * 1995-04-10 1997-02-11 Texas Instruments Incorporated Speedup for monetary transactions using a transponder in conjunction with a smartcard
US5729697A (en) * 1995-04-24 1998-03-17 International Business Machines Corporation Intelligent shopping cart
US5614892A (en) * 1995-04-24 1997-03-25 Pom, Inc. Payment slot communicating apparatus for vendng prices
NL1001376C2 (en) * 1995-05-11 1996-11-12 Nederland Ptt Method for executing an electronic payment transaction with a variable number of payment units, as well as payment means and system for applying the method.
US5805676A (en) * 1995-05-19 1998-09-08 Pcpi Phone, Inc. Telephone/transaction entry device and system for entering transaction data into databases
US5727153A (en) * 1995-06-06 1998-03-10 Powell; Ken R. Retail store having a system of receiving electronic coupon information from a portable card and sending the received coupon information to other portable cards
US5710886A (en) * 1995-06-16 1998-01-20 Sellectsoft, L.C. Electric couponing method and apparatus
US5719918A (en) * 1995-07-06 1998-02-17 Newnet, Inc. Short message transaction handling system
KR100378112B1 (en) * 1995-07-25 2003-05-23 삼성전자주식회사 Automatic locking/unlocking system using wireless communication and method for the same
US5600708A (en) * 1995-08-04 1997-02-04 Nokia Mobile Phones Limited Over the air locking of user identity modules for mobile telephones
US5640002A (en) * 1995-08-15 1997-06-17 Ruppert; Jonathan Paul Portable RF ID tag and barcode reader
US5578391A (en) 1995-09-25 1996-11-26 Motorola, Inc. Battery pack having a disconnect switch circuit
US5848152A (en) * 1995-09-26 1998-12-08 Motorola, Inc. Communication device having interchangeable faceplates and active keypad cover
US5737710A (en) * 1995-11-07 1998-04-07 Amtech Corporation Automated vehicle parking system for a plurality of remote parking facilities
US5692032A (en) * 1995-11-27 1997-11-25 Nokia Mobile Phones Ltd. Mobile terminal having one key user message acknowledgment function
US5943423A (en) * 1995-12-15 1999-08-24 Entegrity Solutions Corporation Smart token system for secure electronic transactions and identification
SE515611C2 (en) 1995-12-18 2001-09-10 Combitech Traffic Syst Ab Device for data transmission by radio communication
US5809243A (en) * 1995-12-29 1998-09-15 Lsi Logi Corporation Personal interface system for wireless and wired communications
US6347218B1 (en) 1996-02-28 2002-02-12 Nokia Mobile Phones Limited Electronic device with housing supplement
US5835862A (en) * 1996-03-06 1998-11-10 Nokia Mobile Phones Ltd. Data adapter unit for infrared communications
TW373374B (en) * 1996-04-25 1999-11-01 Daishin Frame Inc Method and apparatus for managing subscription of commercial articles
US5911121A (en) 1996-05-23 1999-06-08 Ericsson Inc. Method and apparatus for automatically configuring a control program for a mobile radio communication device
US5845259A (en) * 1996-06-27 1998-12-01 Electronic Consumer Concepts, L.L.C. Electronic coupon dispensing system
US5943624A (en) * 1996-07-15 1999-08-24 Motorola, Inc. Contactless smartcard for use in cellular telephone
US5819234A (en) * 1996-07-29 1998-10-06 The Chase Manhattan Bank Toll collection system
US5991749A (en) * 1996-09-11 1999-11-23 Morrill, Jr.; Paul H. Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
JP3528473B2 (en) * 1996-11-07 2004-05-17 ブラザー工業株式会社 Cooling device in image forming apparatus
SE516507C2 (en) 1996-12-23 2002-01-22 Ericsson Telefon Ab L M Rechargeable battery with built-in safety circuit for a portable electrical appliance
JP3273465B2 (en) 1996-12-27 2002-04-08 キヤノン株式会社 Sheet processing apparatus and image forming apparatus having the same
US5768370A (en) * 1997-01-08 1998-06-16 Nokia Mobile Phones, Ltd. User changeable cosmetic phone interface
US6125281A (en) * 1997-01-31 2000-09-26 Nokia Mobile Phones Limited Real-time SMS application messaging using an SMSC-linked server
US6091956A (en) * 1997-06-12 2000-07-18 Hollenberg; Dennis D. Situation information system
WO1998058510A1 (en) * 1997-06-16 1998-12-23 Swisscom Ag Mobile device, chip card and method of communication
NL1006770C2 (en) 1997-08-13 1999-02-16 Steve Hjalmar Barends Parking payment system.
US5909176A (en) * 1997-09-23 1999-06-01 Intermec Ip Corporation Anti-theft and identification devices for concealing in articles
US6073840A (en) * 1997-09-26 2000-06-13 Gilbarco Inc. Fuel dispensing and retail system providing for transponder prepayment
US6249227B1 (en) 1998-01-05 2001-06-19 Intermec Ip Corp. RFID integrated in electronic assets
US5969691A (en) * 1998-02-10 1999-10-19 Gilbarco Inc. Fuel dispenser transponder antenna arrangement
US6094138A (en) 1998-02-27 2000-07-25 Motorola, Inc. Integrated circuit assembly and method of assembly
AUPP220998A0 (en) 1998-03-05 1998-04-02 Keycorp Limited Mobile electronic payment terminal
US6075971A (en) * 1998-03-27 2000-06-13 Intel Corporation Method and apparatus for providing and monitoring coupons via a network
US5949335A (en) 1998-04-14 1999-09-07 Sensormatic Electronics Corporation RFID tagging system for network assets
CA2264341A1 (en) * 1998-04-14 1999-10-14 Mikohn Gaming Corporation Pachinko stand-alone and bonusing game
US6107920A (en) * 1998-06-09 2000-08-22 Motorola, Inc. Radio frequency identification tag having an article integrated antenna
ATE352829T1 (en) * 1998-08-14 2007-02-15 3M Innovative Properties Co APPLICATION FOR RADIO FREQUENCY IDENTIFICATION SYSTEMS
US6100804A (en) 1998-10-29 2000-08-08 Intecmec Ip Corp. Radio frequency identification system
AU1602500A (en) 1998-11-02 2000-05-22 Smartdisk Corporation Home point of sale (pos) terminal and electronic commerce method
MY119951A (en) 1998-12-09 2005-08-30 Shell Int Research Transponder communications system
US6577861B2 (en) * 1998-12-14 2003-06-10 Fujitsu Limited Electronic shopping system utilizing a program downloadable wireless telephone
JP2000184085A (en) * 1998-12-18 2000-06-30 Fujitsu Ltd Portable equipment, attachment for portable terminal and system using portable equipment
KR19990024210A (en) 1998-12-22 1999-03-25 김재한 Apparatus and method for storing and playing digital audio data in portable radiotelephones
SE516100C2 (en) 1999-05-26 2001-11-19 Henry Duhs Arrangement with mobile communication unit and RFID circuit to provide a service
EP1208504A4 (en) 1999-07-02 2002-08-21 Zebrapass Inc System and method for provisioning ticket purchases over global or local networks
US6490443B1 (en) * 1999-09-02 2002-12-03 Automated Business Companies Communication and proximity authorization systems
US6526335B1 (en) * 2000-01-24 2003-02-25 G. Victor Treyz Automobile personal computer systems
US20020095328A1 (en) * 2000-06-14 2002-07-18 Garret Swart Method and apparatus for profiling clients of a database-driven transaction system and marketing according to profile data
US6823188B1 (en) * 2000-07-26 2004-11-23 International Business Machines Corporation Automated proximity notification
JP4083447B2 (en) 2002-03-07 2008-04-30 トヨタ自動車株式会社 Nickel hydroxide for producing lithium nickelate, method for producing the same, lithium nickelate and secondary battery
DE60303357T2 (en) 2002-03-18 2006-08-31 Koninklijke Philips Electronics N.V. PORTABLE DEVICE WITH TERMINAL FUNCTION AND DATA CARRIER FUNCTION
JP4100191B2 (en) 2003-02-21 2008-06-11 松下電器産業株式会社 Electrophotographic equipment
US6915541B2 (en) * 2003-03-19 2005-07-12 Faip North America, Inc. Water-operated wash brush

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5359182A (en) * 1992-10-06 1994-10-25 Interdigital Technology Corporation Wireless telephone debit card system and method
WO1994011849A1 (en) * 1992-11-11 1994-05-26 Telecom Finland Oy Mobile telephone systems and a method for carrying out financial transactions by means of a mobile telephone system

Cited By (150)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998011519A1 (en) * 1996-09-13 1998-03-19 Siemens Aktiengesellschaft Cashless payment by means of a mobile radio apparatus
US6808110B1 (en) 1996-09-13 2004-10-26 Siemens Aktiengesellschaft Cashless payment by means of a mobile radio apparatus
US6902106B2 (en) 1996-09-18 2005-06-07 Hitachi, Ltd. Electronic money transaction system with a radio transmitter and receiver using a portable telephone
EP0831438A2 (en) * 1996-09-18 1998-03-25 Hitachi, Ltd. Electronic money transaction system
EP0831438A3 (en) * 1996-09-18 2001-02-07 Hitachi, Ltd. Electronic money transaction system
US6536661B1 (en) 1996-09-18 2003-03-25 Hitachi, Ltd. Electronic money transaction system with a radio transmitter and receiver using a portable telephone
JPH10198739A (en) * 1996-11-14 1998-07-31 Matsushita Electric Ind Co Ltd Personal electronic account settlement system
WO1998034203A1 (en) * 1997-01-30 1998-08-06 Qualcomm Incorporated Method and apparatus for performing financial transactions using a mobile communication unit
WO1998042173A2 (en) * 1997-03-24 1998-10-01 Fd Finanssidata Oy Use of banking services in a digital cellular radio system
WO1998042173A3 (en) * 1997-03-24 1998-12-23 Fd Finanssidata Oy Use of banking services in a digital cellular radio system
US6868391B1 (en) 1997-04-15 2005-03-15 Telefonaktiebolaget Lm Ericsson (Publ) Tele/datacommunications payment method and apparatus
WO1998057510A2 (en) * 1997-06-12 1998-12-17 Siemens Nixdorf Informationssysteme Ag Telecommunication and/or remote control device with a chip card unit, same device with a coupled computer for internet or network applications
WO1998057510A3 (en) * 1997-06-12 1999-04-22 Siemens Nixdorf Inf Syst Telecommunication and/or remote control device with a chip card unit, same device with a coupled computer for internet or network applications
US6859650B1 (en) 1997-06-16 2005-02-22 Swisscom Mobile Ag Mobile device, chip card and method of communication
WO1998058510A1 (en) * 1997-06-16 1998-12-23 Swisscom Ag Mobile device, chip card and method of communication
AU739465B2 (en) * 1997-06-16 2001-10-11 Swisscom Mobile Ag Chip card
WO1999000770A1 (en) * 1997-06-30 1999-01-07 Satsafe Mls Ab System for carrying out a charging operation
US6711262B1 (en) 1997-07-02 2004-03-23 Sonera Oyj Procedure for the control of applications stored in a subscriber identity module
WO1999008237A3 (en) * 1997-08-06 1999-04-15 Tresor Tv Produktions Gmbh Method for the safe handling of electronic means of payment and for safely carrying out business transactions, and device for carrying out said method
WO1999008237A2 (en) * 1997-08-06 1999-02-18 Tresor Tv Produktions Gmbh Method for the safe handling of electronic means of payment and for safely carrying out business transactions, and device for carrying out said method
EP1467300A1 (en) * 1997-08-13 2004-10-13 Matsushita Electric Industrial Co., Ltd Mobile electronic commerce system
EP0950968A4 (en) * 1997-08-13 2004-05-19 Matsushita Electric Ind Co Ltd Mobile electronic commerce system
EP0950968A1 (en) * 1997-08-13 1999-10-20 Matsushita Electric Industrial Co., Ltd Mobile electronic commerce system
AU761284B2 (en) * 1997-08-13 2003-05-29 Panasonic Corporation Mobile electronic commerce system
WO1999009502A1 (en) * 1997-08-13 1999-02-25 Matsushita Electric Industrial Co., Ltd. Mobile electronic commerce system
US6557753B1 (en) 1997-11-20 2003-05-06 Gemplus Method, a smart card and terminals for effecting transactions through a telecommunication network
WO1999027505A1 (en) * 1997-11-20 1999-06-03 Gemplus S.C.A. Method, card and terminals for carrying out transactions in a telecommunication network
WO1999031630A1 (en) * 1997-12-17 1999-06-24 Philippe Jacot Method for carrying out financial transactions, system therefor and electronic purse
US6105006A (en) * 1997-12-22 2000-08-15 Motorola Inc Transaction authentication for 1-way wireless financial messaging units
EP1042741A1 (en) * 1997-12-22 2000-10-11 Motorola, Inc. Transaction authentication for 1-way wireless financial messaging units
US6041314A (en) * 1997-12-22 2000-03-21 Davis; Walter Lee Multiple account portable wireless financial messaging unit
EP1042741A4 (en) * 1997-12-22 2003-09-03 Motorola Inc Transaction authentication for 1-way wireless financial messaging units
US6378073B1 (en) 1997-12-22 2002-04-23 Motorola, Inc. Single account portable wireless financial messaging unit
EP1048118A4 (en) * 1997-12-22 2004-07-21 Motorola Inc Portable 2-way wireless financial messaging unit
US6314519B1 (en) 1997-12-22 2001-11-06 Motorola, Inc. Secure messaging system overlay for a selective call signaling system
US6311167B1 (en) 1997-12-22 2001-10-30 Motorola, Inc. Portable 2-way wireless financial messaging unit
US6038549A (en) * 1997-12-22 2000-03-14 Motorola Inc Portable 1-way wireless financial messaging unit
EP1042881A4 (en) * 1997-12-22 2004-07-21 Motorola Inc Multiple account portable wireless financial messaging unit
EP1048118A1 (en) * 1997-12-22 2000-11-02 Motorola, Inc. Portable 2-way wireless financial messaging unit
EP1042881A1 (en) * 1997-12-22 2000-10-11 Motorola, Inc. Multiple account portable wireless financial messaging unit
US9135613B2 (en) 1997-12-23 2015-09-15 Unwired Planet, Llc System and method for controlling financial transactions over a wireless network
EP1046144B1 (en) * 1997-12-23 2004-02-25 Openwave Systems Inc. System and method for controlling financial transactions over a wireless network
US9111271B2 (en) 1997-12-23 2015-08-18 Unwired Planet, Llc System and method for controlling financial transactions over a wireless network
US9147185B2 (en) 1997-12-23 2015-09-29 Unwired Planet, Llc System and method for controlling financial transactions over a wireless network
US7167711B1 (en) 1997-12-23 2007-01-23 Openwave Systems Inc. System and method for controlling financial transactions over a wireless network
EP1058872B2 (en) 1998-02-25 2011-04-06 TELEFONAKTIEBOLAGET LM ERICSSON (publ) Method, arrangement and apparatus for authentication through a communications network
US6760605B1 (en) 1998-03-20 2004-07-06 Gemplus Chip card reader telecommunication terminal
FR2776448A1 (en) * 1998-03-20 1999-09-24 Gemplus Card Int Mobile telephone terminal providing multiple communications functions
WO1999049637A1 (en) * 1998-03-20 1999-09-30 Gemplus Chip card reader telecommunication terminal
JPH11345264A (en) * 1998-06-03 1999-12-14 Nippon Medeipakku Kk Payment system and paying method
FR2779896A1 (en) * 1998-06-15 1999-12-17 Sfr Sa METHOD FOR REMOTE PAYING, BY MEANS OF A MOBILE RADIOTELEPHONE, THE ACQUISITION OF A GOOD AND / OR A SERVICE AND CORRESPONDING MOBILE RADIOTELEPHONE SYSTEM AND
WO1999066705A1 (en) * 1998-06-15 1999-12-23 Societe Francaise Du Radiotelephone Telepayment method, using a mobile radiotelephone, for purchase of an article and/or service
US6976011B1 (en) 1998-06-15 2005-12-13 Societe Francaise Du Radiotelephone Process for making remote payments for the purchase of goods and/or a service through a mobile radiotelephone, and the corresponding system and mobile radiotelephone
EP2139218A1 (en) * 1998-06-15 2009-12-30 Societé Française du Radiotéléphone Method and system for managing a purchase decision taken by a purchaser using a mobile radiotelephone
FR2779895A1 (en) * 1998-06-15 1999-12-17 Sfr Sa Telepayment method, using a mobile phone, for purchase of an article and or service over the phone network
EP0973318A1 (en) * 1998-06-15 2000-01-19 Societé Francaise du Radiotéléphone SRF Process for remote paying, by means of a mobile radio telephone, the acquisition of a good and/or a service, and corresponding system and mobile radio telephone
FR2779850A1 (en) * 1998-06-16 1999-12-17 Roland Moreno METHOD AND SYSTEM FOR USING A MICROCIRCUIT CARD IN A PLURALITY OF APPLICATIONS
US6325293B1 (en) 1998-06-16 2001-12-04 Innovatron Method and system for using a microcircuit card in a plurality of applications
WO1999066461A1 (en) * 1998-06-16 1999-12-23 Innovatron (Societe Anonyme) Method and system for using a microcircuit card in a plurality of applications
EP0965959A1 (en) * 1998-06-19 1999-12-22 Ncr International Inc. A method of using a portable communication device
WO2000002168A3 (en) * 1998-07-03 2001-04-12 Sagem Electronic payment method
FR2780800A1 (en) * 1998-07-03 2000-01-07 Sagem ELECTRONIC PAYMENT PROCESS
WO2000002168A2 (en) * 1998-07-03 2000-01-13 Sagem S.A. Electronic payment method
JP2002524808A (en) * 1998-09-04 2002-08-06 ソネラ スマートトラスト オサケユキチュア Security modules, security systems, and mobile stations
US6415156B1 (en) 1998-09-10 2002-07-02 Swisscom Ag Transaction method
EP0986275A1 (en) * 1998-09-10 2000-03-15 Swisscom AG Method for purchasing goods or services with a mobile telephone
EP0987660A1 (en) * 1998-09-14 2000-03-22 Ncr International Inc. Portable electronic apparatus
FR2785134A1 (en) * 1998-10-22 2000-04-28 Sfr Sa METHOD FOR ACCESSING A SERVICE SERVER FROM A MOBILE STATION, SUBSCRIBER IDENTIFICATION MODULE AND CORRESPONDING TERMINAL
EP0996299A1 (en) * 1998-10-22 2000-04-26 Societé Francaise du Radiotéléphone SRF Subscriber identity module controlled method for launching applications from a mobile station
FR2785135A1 (en) * 1998-10-22 2000-04-28 Sfr Sa METHOD FOR LAUNCHING AN APPLICATION BY A TERMINAL, UNDER THE CONTROL OF A SUBSCRIBER IDENTIFICATION MODULE, SUBSCRIBER IDENTIFICATION MODULE AND CORRESPONDING TERMINAL
US6671522B1 (en) 1998-10-22 2003-12-30 Societe Francaise Du Radiotelephone Thermal controlled by a subscriber's identification module for running an application
EP0996300A1 (en) * 1998-10-22 2000-04-26 Societé Francaise du Radiotéléphone SRF Method for accessing server services from a mobile station subscriber identity module and terminal for carrying out the method
WO2000033264A1 (en) * 1998-12-02 2000-06-08 Swisscom Ag Method and system for charging or recharging an account with a value corresponding to a sum of money
EP1198766A2 (en) * 1999-02-04 2002-04-24 Motorola, Inc. Wireless subscriber unit and method for managing smart card data
EP1198766A4 (en) * 1999-02-04 2003-01-22 Motorola Inc Wireless subscriber unit and method for managing smart card data
WO2000048416A1 (en) * 1999-02-09 2000-08-17 Sonera Smarttrust Oy Method for the utilisation of applications stored on a subscriber identity module (sim) and for the secure treatment of information associated with them
WO2000049585A1 (en) * 1999-02-19 2000-08-24 France Telecom Telepayment method and system for implementing said method
WO2000051086A1 (en) * 1999-02-22 2000-08-31 Telefonaktiebolaget Lm Ericsson Mobile communications device
WO2000057596A1 (en) * 1999-03-19 2000-09-28 Telefonaktiebolaget Lm Ericsson (Publ) Method and system for electronic commerce
EP1041520A2 (en) 1999-03-29 2000-10-04 Nokia Mobile Phones Ltd. Transfer of electronic money
FR2794547A1 (en) * 1999-06-03 2000-12-08 Gemplus Card Int PREPARING AND EXECUTING A PROGRAM IN AN ADDITIONAL CHIP CARD OF A TERMINAL
EP1808831A1 (en) * 1999-06-03 2007-07-18 Gemplus Preparing and executing a programme in a terminal supplementary chip card
WO2000075882A1 (en) * 1999-06-03 2000-12-14 Gemplus Preparing and executing a programme in a terminal supplementary chip card
US6775725B1 (en) 1999-06-03 2004-08-10 Gemplus Preparation and execution of a program in an additional chip card of a terminal
FR2795905A1 (en) * 1999-06-30 2001-01-05 Sagem MOBILE PHONE WITH MULTIPLE CHIP SUPPORT ARCHITECTURE
EP1065633A1 (en) * 1999-06-30 2001-01-03 Sagem Sa Mobile telephone with a multiple chip-carrier architecture
WO2001006466A1 (en) * 1999-07-15 2001-01-25 Andersson Soeren A method for performing financial transactions and a system for performing the method
EP1071049A3 (en) * 1999-07-22 2005-08-24 Bernd Schneider Tnansportable data communication device with chipcard and radio interface
US10339746B1 (en) 1999-08-10 2019-07-02 Gofigure Payments, Llc Mobile device for making a mobile payment
US6662020B1 (en) 1999-08-27 2003-12-09 Telefonaktiebolaget Lm Ericsson (Publ) Arrangement for effecting secure transactions in a communication device
US7296755B2 (en) 1999-09-22 2007-11-20 Softbankbb Corporation Electronic payment system, payment apparatus and terminal thereof
WO2001031594A1 (en) * 1999-10-25 2001-05-03 Swisscom Mobile Ag Method and system for transacting payments
US6934689B1 (en) 1999-10-25 2005-08-23 Swisscom Mobile Ag Payment transaction method and payment transaction system
US7478065B1 (en) 1999-12-23 2009-01-13 Swisscom Mobile Ag Payment transaction method and payment transaction system
WO2001069555A1 (en) * 1999-12-23 2001-09-20 Swisscom Mobile Ag Payment transaction method and payment transaction system
WO2001057811A1 (en) * 2000-02-02 2001-08-09 Image Reaction Limited Data handling
US8706627B2 (en) 2000-02-10 2014-04-22 Jon Shore Apparatus, systems and methods for wirelessly transacting financial transfers , electronically recordable authorization transfers, and other information transfers
WO2001088861A1 (en) * 2000-05-16 2001-11-22 Gemplus Method for crediting a prepaid account
FR2809260A1 (en) * 2000-05-16 2001-11-23 Gemplus Card Int Method for crediting a prepaid account through a telecommunication network, uses information on banking card stored in mobile telephone SIM which is sent to a prepaid account management system
WO2001097118A1 (en) * 2000-06-14 2001-12-20 Takako Jogu Settling method using mobile phone and mobile phone
EP1178444A1 (en) * 2000-08-01 2002-02-06 mega-tel AG Electronic payment using SMS
WO2002011082A1 (en) * 2000-08-01 2002-02-07 Mega-Tel Ag Electronic payment transaction via sms
WO2002013149A1 (en) * 2000-08-09 2002-02-14 Telefonaktiebolaget Lm Ericsson (Publ) Paying for services using electronic cash
US6942147B2 (en) 2001-02-08 2005-09-13 Nokia Corporation Smart card reader
WO2002063576A1 (en) * 2001-02-08 2002-08-15 Nokia Corporation Smart card reader
EP2273340A1 (en) * 2001-05-24 2011-01-12 Sony Corporation Service providing method and integrated circuit
US10609507B2 (en) 2001-05-24 2020-03-31 Sony Corporation Circuit device and a communication apparatus
US9628936B2 (en) 2001-05-24 2017-04-18 Sony Corporation Circuit device and a communication apparatus
EP3296833A1 (en) 2001-05-24 2018-03-21 Sony Corporation Service providing method and integrated circuit
US8788717B2 (en) 2001-05-24 2014-07-22 Sony Corporation Circuit device and a communication apparatus
US8180925B2 (en) 2001-05-24 2012-05-15 Sony Corporation Service providing method and integrated circuit
EP2273342A1 (en) * 2001-05-24 2011-01-12 Sony Corporation Service providing method and integrated circuit
EP1449391B1 (en) * 2001-11-29 2008-08-13 Zoltan Pal Method for operating an alternative mobile telecommunications system and for providing services
EP1449391A2 (en) * 2001-11-29 2004-08-25 Zoltan Pal Method for operating an alternative mobile telecommunications system and for providing services
BE1016829A3 (en) * 2002-01-25 2007-08-07 Pierre Defise Electronic payment card for e.g. product, has unique number and component storing information required for utilization of card, where card is loaded with preset amount and is not related to postal or bank account of carrier of card
KR20040004765A (en) * 2002-07-05 2004-01-16 김선섭 Mobile Telecommunication Terminal Having Manifold Settlement Route
US7720717B2 (en) 2003-03-07 2010-05-18 Sony Corporation Mobile terminal device, mobile terminal method, mobile terminal program, and electronic money server
EP1610245A1 (en) * 2003-03-07 2005-12-28 Bitwallet Inc. Mobile terminal device, mobile terminal method, mobile terminal program, providing server device, providing server method, and providing server program
EP1603062A4 (en) * 2003-03-07 2006-05-17 Bitwallet Inc Mobile terminal
EP1610245A4 (en) * 2003-03-07 2008-08-06 Bitwallet Inc Mobile terminal device, mobile terminal method, mobile terminal program, providing server device, providing server method, and providing server program
EP1603062A1 (en) * 2003-03-07 2005-12-07 Bitwallet Inc. Mobile terminal
WO2004079616A1 (en) 2003-03-07 2004-09-16 Bitwallet, Inc Mobile terminal device, mobile terminal method, mobile terminal program, providing server device, providing server method, and providing server program
US11295299B2 (en) 2003-03-07 2022-04-05 Sony Corporation Information processing apparatus
US9497796B2 (en) 2003-03-07 2016-11-15 Sony Corporation Portable terminal device, portable terminal oriented method, currency information issuance server apparatus, currency information issuance method, and computer program product
USRE48679E1 (en) 2004-04-30 2021-08-10 Blackberry Limited System and method for handling data transfers
USRE44746E1 (en) 2004-04-30 2014-02-04 Blackberry Limited System and method for handling data transfers
USRE49721E1 (en) 2004-04-30 2023-11-07 Blackberry Limited System and method for handling data transfers
USRE46083E1 (en) 2004-04-30 2016-07-26 Blackberry Limited System and method for handling data transfers
US9282099B2 (en) 2005-06-29 2016-03-08 Blackberry Limited System and method for privilege management and revocation
US10515195B2 (en) 2005-06-29 2019-12-24 Blackberry Limited Privilege management and revocation
US9734308B2 (en) 2005-06-29 2017-08-15 Blackberry Limited Privilege management and revocation
KR100763793B1 (en) 2006-10-12 2007-10-05 주식회사 하이스마텍 The multifunctional mobile communication terminal and communication method using it
WO2011046526A1 (en) * 2009-10-15 2011-04-21 Savchuk Oleg Leonidovich Method for creating a reciprocal payment system for the sale of information, goods and services - a social market
WO2012065264A1 (en) * 2010-11-15 2012-05-24 Research In Motion Limited Controlling data transfer on mobile devices
US9402184B2 (en) 2011-10-17 2016-07-26 Blackberry Limited Associating services to perimeters
US9161226B2 (en) 2011-10-17 2015-10-13 Blackberry Limited Associating services to perimeters
US9497220B2 (en) 2011-10-17 2016-11-15 Blackberry Limited Dynamically generating perimeters
US10735964B2 (en) 2011-10-17 2020-08-04 Blackberry Limited Associating services to perimeters
US20130198035A1 (en) * 2011-10-27 2013-08-01 Erik T. Bogaard Confirming local marketplace transaction consummation for online payment consummation
US10339525B2 (en) 2011-10-27 2019-07-02 Boom! Payments, Inc. Confirming local marketplace transaction consummation for online payment consummation
US10346840B2 (en) 2011-10-27 2019-07-09 Boom! Payments, Inc. Confirming local marketplace transaction consummation for online payment consummation
US10176479B2 (en) * 2011-10-27 2019-01-08 Boom! Payments, Inc. Confirming local marketplace transaction consummation for online payment consummation
US8429084B1 (en) 2011-10-27 2013-04-23 Erik T. Bogaard Confirming local marketplace transaction consummation for online payment consummation
US9235857B2 (en) * 2011-10-27 2016-01-12 Boom! Payments, Inc. Confirming local marketplace transaction consummation for online payment consummation
US10848520B2 (en) 2011-11-10 2020-11-24 Blackberry Limited Managing access to resources
US9720915B2 (en) 2011-11-11 2017-08-01 Blackberry Limited Presenting metadata from multiple perimeters
US9369466B2 (en) 2012-06-21 2016-06-14 Blackberry Limited Managing use of network resources
US11032283B2 (en) 2012-06-21 2021-06-08 Blackberry Limited Managing use of network resources
US9065771B2 (en) 2012-10-24 2015-06-23 Blackberry Limited Managing application execution and data access on a device
US9075955B2 (en) 2012-10-24 2015-07-07 Blackberry Limited Managing permission settings applied to applications

Also Published As

Publication number Publication date
CN1099817C (en) 2003-01-22
FI99071B (en) 1997-06-13
US20050282585A1 (en) 2005-12-22
CN1411307A (en) 2003-04-16
EP1858240B1 (en) 2012-12-26
DE69638153D1 (en) 2010-05-12
JP2005293602A (en) 2005-10-20
US6418326B1 (en) 2002-07-09
US20050017068A1 (en) 2005-01-27
US6959202B2 (en) 2005-10-25
EP0809916A1 (en) 1997-12-03
JP2006325228A (en) 2006-11-30
CN1168343C (en) 2004-09-22
EP1865453A2 (en) 2007-12-12
AU4624796A (en) 1996-09-04
US20020102963A1 (en) 2002-08-01
CN1174648A (en) 1998-02-25
US7155199B2 (en) 2006-12-26
CN1193633C (en) 2005-03-16
JPH11501424A (en) 1999-02-02
AU696876B2 (en) 1998-09-17
US8041388B2 (en) 2011-10-18
US5887266A (en) 1999-03-23
ES2340343T3 (en) 2010-06-01
EP0809916B1 (en) 2010-03-31
US6078806A (en) 2000-06-20
FI99071C (en) 1997-09-25
CN1379608A (en) 2002-11-13
EP1865453A3 (en) 2008-04-09
FI950685A0 (en) 1995-02-15
EP1858240A3 (en) 2009-03-04
EP1858240A2 (en) 2007-11-21
FI950685A (en) 1996-08-16

Similar Documents

Publication Publication Date Title
AU696876B2 (en) A method for using applications in a mobile station, a mobile station and control module
JP3718236B2 (en) Chip card and method of communication between external device and chip card
AU739465B2 (en) Chip card
EP0965238B1 (en) Subscriber identity module, mobile station and method for performing a smart card function
JP2002544610A (en) Storage media
US6658248B1 (en) Self-service machine operated by communications terminal, and service providing method thereof
FI114348B (en) Procedure for charging money, electronic device and system
KR20070076968A (en) Banking system with a mobile phone having a bank service function and method of the same
CN101014068A (en) Telecom service realizing method, system and apparatus
WO2001059730A1 (en) Remote terminal updating
KR100432838B1 (en) Electronic money processing method and program and recording medium
AU712095B2 (en) A method for use in operating a wireless user terminal and wireless user terminal
KR20030025045A (en) System for a credit dealing each a mobile phone equipped blue-tooth module and Method the same
KR200229038Y1 (en) Wireless Credit-card Checker
KR100486433B1 (en) System and Method to make payment using credit card by mobile phone
KR20050094979A (en) System and method for recharging moblie prepaid card, terminals and recording medium for it
JP2002073342A (en) Product function enhancement method and its system
KR20050061009A (en) Electronic-cash auto-charging method to mobile phone and the mobile phone

Legal Events

Date Code Title Description
WWE Wipo information: entry into national phase

Ref document number: 96191948.5

Country of ref document: CN

AK Designated states

Kind code of ref document: A1

Designated state(s): AL AM AT AU AZ BB BG BR BY CA CH CN CZ DE DK EE ES FI GB GE HU IS JP KE KG KP KR KZ LK LR LS LT LU LV MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK TJ TM TR TT UA UG US UZ VN AZ BY KG KZ RU TJ TM

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): KE LS MW SD SZ UG AT BE CH DE DK ES FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN ML MR NE

DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
121 Ep: the epo has been informed by wipo that ep was designated in this application
WWE Wipo information: entry into national phase

Ref document number: 1996901820

Country of ref document: EP

ENP Entry into the national phase

Ref document number: 1996 524688

Country of ref document: JP

Kind code of ref document: A

WWP Wipo information: published in national office

Ref document number: 1996901820

Country of ref document: EP

REG Reference to national code

Ref country code: DE

Ref legal event code: 8642