Apparatus, method and system for payment using mobile device

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...

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