Apparatus, method and system for payment using mobile device

A technology of mobile devices and equipment, applied in the field of a method and system for performing these transactions, can solve problems such as not providing integrated payment methods, achieve high security levels, and simplify the payment process

Inactive Publication Date: 2005-01-05
TRUSTCOPY PTE
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0020] The prior art does not provide an integrated payment method that can be used for local and remote transactions
And there is no integration of mobile payments, Internet payments, and point-of-sale payments into a single system; and all utilize mobile-phone-dependent channels for communication, or no connection to local payments

Method used

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  • Apparatus, method and system for payment using mobile device
  • Apparatus, method and system for payment using mobile device
  • Apparatus, method and system for payment using mobile device

Examples

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Embodiment Construction

[0060] According to FIG. 1 , the smart card may be a contactless smart card, may be a smart card with contact points, or may be a hybrid smart card using contact points and / or a built-in antenna to make contactless. The smart card stores the customer's account information. It also has a mobile device (telephone as shown), including communication components, such as a SIM (Subscriber Identity Module) card or other form of interface device that can be used to communicate with the mobile device; Security and non-repudiation. The communication component may include an antenna.

[0061] A smart card is a device that enables transactions by passing it near the antenna of the communication part of the mobile device. Preferably, it has an electronic microchip and an antenna embedded in the card. These two components allow the device to communicate with the antenna / connection unit without physical contact. It may also have secure memory for storing customer account information.

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PUM

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Abstract

Apparatus for performing a payment transaction, the apparatus including a mobile device having a telecommunications mass, the telecommunications means including an antenna and a subscriber identity card for communication with the mobile device; the subscriber identity card being able to obtain account information of the customer from a smart card of the customer so that an amount for the payment transaction is debited to the smart card, the mobile device bieng able to use the telecommunications means to communicate with a terminal to effect the payment transaction to the terminal thereby crediting the amount to the terminal; there being no requirement for physical contact between the antenna and the terminal to effect the payment transaction. Also disclosed are methods of effecting a payment transaction at a point-of-sale terminal, and at a remote terminal.

Description

technical field [0001] The present invention relates to a device for performing payments or other similar transactions using a mobile device, and a method and system for performing these transactions. Background technique [0002] definition [0003] In this article, a smart card refers to a card that exists in physical form. The card has a chip or electronic module embedded on it. Some examples of smart cards can be found in the white paper "Smart-Card Devices and Applications" published by Dustin Sorenson in January 2001 and at the Internet address http: / / www.dell.com / us / en / biz / topics / vectors_2001-smartcard Found on .htm. Smart cards can be contactless, which means they have a communication antenna embedded in them; they can be contact-based, which means they operate through physical contact with other terminals; or they can be hybrid smart cards, which include antennas and contacts and act as contactless smart card and / or as a contact smart card. [0004] In this art...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00G07F7/10
CPCG06Q20/04G06Q20/26G06Q20/353G06Q20/4014G06Q20/352G06K19/07769G06Q20/341G06Q20/32G07F7/1008G06Q20/3823G06Q20/20G06Q20/326
Inventor 吴健康郑雷
Owner TRUSTCOPY PTE
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