Method And Apparatus For Completing A Transaction Using A Wireless Mobile Communication Channel And Another Communication Channel

Abstract

The present invention provides a method and apparatus for completing a transaction using a wireless mobile communication channel and another communication channel, particularly another communication channel that provides for near field radio channels (NFC), as well as other communication channels, such as Bluetooth or WIFI. The present invention also provides a method of completing a transaction in which a management server assists a transaction server and a point of sale terminal in forwarding transaction information to a hand-held mobile device, with the transaction having originated from the hand-held mobile device. There is also provided a hand-held mobile device that wirelessly communicates between a secure element and a radio element that are associated with the hand-held mobile device.

Description

CLAIM OF PRIORITY [0001]This invention is related to, claims priority from and expressly incorporates by reference U.S. Provisional Appln. No. 60 / 766,171 filed Dec. 31, 2005, entitled “Mobile Credit Card Account Installer” and U.S. Provisional Appln. No. 60 / 766,172 filed Dec. 31, 2005 entitled “Mobile Ticket”.FIELD OF THE INVENTION [0002]The present invention relates to a method and apparatus for completing a transaction using a wireless mobile communication channel and another communication channel, particularly another communication channel that provides for near field radio channels (NFC), as well as other communication channels, such as Bluetooth or WIFI.BACKGROUND OF THE INVENTION [0003]Online transactions, such as for purchasing goods or receiving downloads or tickets, which involve personal computers and the Internet are well known. Further, mobile wireless communication devices, such as cell phones, blackberries or other personal digital assistants are also being used for ma...

AI Technical Summary

Benefits of technology

[0015]displaying at least some of the first transaction response signal on the visual display associated with the hand-held mobile device.

[0016]In another embodiment is described a system for assisting a user to complete a transaction. The system comprises a hand-held mobile device, the hand-held mobile device having: a processor; a secure memory coupled to the processor; a first transceiver coupled to the processor and adapted to send transaction request signals and receive transaction response signals over a first communication channel, the transaction request signals and the transaction response signals associated with the transaction; a visual display coupled to the processor; and a second radio transceiver coupled to the processor and adapted to send outgoing voice and data signals and receive incoming voice ...

Problems solved by technology

While the above exemplary references illustrate that certain simple transactions are possible and known using mobile wireless communication devices, one problem associated with them is that they are not typically useful in a wide range of different areas, but are tied to a specific platform.

For example, NFC devices are only usable with NFC readers, which are not common at present.

Another problem is that other mobile wireless communication devices have very limited ability to be used in transactions.

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