EP1204952A1 - Procede permettant d'effectuer des transactions financieres et systeme permettant d'appliquer le procede - Google Patents

Procede permettant d'effectuer des transactions financieres et systeme permettant d'appliquer le procede

Info

Publication number
EP1204952A1
EP1204952A1 EP00948477A EP00948477A EP1204952A1 EP 1204952 A1 EP1204952 A1 EP 1204952A1 EP 00948477 A EP00948477 A EP 00948477A EP 00948477 A EP00948477 A EP 00948477A EP 1204952 A1 EP1204952 A1 EP 1204952A1
Authority
EP
European Patent Office
Prior art keywords
telephone
modem
mobile telephone
card
financial transactions
Prior art date
Legal status (The legal status 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 status listed.)
Withdrawn
Application number
EP00948477A
Other languages
German (de)
English (en)
Inventor
Sören ANDERSSON
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
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
Application filed by Individual filed Critical Individual
Publication of EP1204952A1 publication Critical patent/EP1204952A1/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms 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
    • G07F7/0866—Mechanisms 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

Definitions

  • the present invention relates to a method for performing financial transactions with the aid of a mobile telephone, a telephone or a telephone and a modem.
  • the present invention relates to a system for performing the method.
  • the European patent application EP-A1-0 785 534 describes a system and a method for performing financial transactions with the aid of mobile telephones.
  • the mobile telephones communicate via base stations with a network to which various suppliers of services are connected.
  • Each supplier of services is equipped with a security module comprising means for secure transactions.
  • a card is placed in the mobile telephone to identify the user to the system.
  • a drawback with this system is that each supplier of services must be equipped with a security module. Neither can financial transactions take place between two different mobile telephones.
  • 5 Document WO 96/32700 describes an electronic transaction terminal, e.g. a mobile telephone, for use in performing financial transactions electronically, in combination with a smart card and a communication module.
  • the communication module is used to electronically transfer funds from a smart card, which is inserted in the transaction terminal, to a recipient of the payment.
  • a smart card which is inserted in the transaction terminal
  • the communication module uses the SIM card of the mobile 5 telephone when performing the financial transactions.
  • the object of the present invention is to solve the problems mentioned above. This is achieved using a method for performing financial transactions with the aid of a mobile telephone, a telephone or a telephone and a modem as de- fined in claim 1 , and also a system for performing the method as defined in claim 8.
  • the method comprises the steps of:
  • the code entered is a PIN code different from the PIN code required for opening the telephone function on the mobile telephone.
  • the system for performing financial transactions comprises: • a card comprising memory means and a data-processing device,
  • an input unit incorporated in the mobile telephone, telephone or modem for entering identification code and the amount involved in the financial transaction, for instance, • a security device for encryption of data, connected to the card reader and the input unit,
  • the system also includes a pres- entation unit for displaying information, e.g. menu selection, in the mobile telephone, telephone or modem.
  • a pres- entation unit for displaying information, e.g. menu selection, in the mobile telephone, telephone or modem.
  • a further advantage in this connection is if said card is a smart card. It is an advantage in this connection if the identification code for the card is a PIN code different from the PIN code for opening the telephone function of mobile telephone.
  • Figure 1 shows a flow chart for a method for performing financial transactions in accordance with the present invention
  • Figure 2 shows schematically one embodiment of a system for performing financial transactions in accordance with the present invention
  • Figure 3 shows various uses of the system illustrated in Figure 2.
  • Figure 1 shows a flow chart for a method for performing financial transactions in accordance with the present invention.
  • the method in accordance with the invention starts at block 10. It then continues, via block 12, with entering a code in the mobile telephone or modem, for identification.
  • the code entered is preferably a PIN code different from the PIN code required for opening the telephone function on the mobile telephone, for instance.
  • Said code may of course be some other suitable code that ensures that no unauthorised person can perform the financial transaction.
  • Several codes may be required in order to further increase security.
  • An example of such a sequence of codes is a PIN code following by the bank's requirements, e.g. civic registration number, account number, the telephone number of the telephone and a unique number only known to the bank. The two last numbers are transmitted automatically at the transaction.
  • the method continues at block 14 where the amount involved in the financial transaction is entered. Thereafter, at block 16, the method continues by a card being inserted into a card reader incorporated in the mobile telephone, telephone or modem. Said card is preferably a card of the smart card type. Such smart cards generally comprise an integrated circuit which can store various data and which can also perform data processing of various types.
  • the method continues at block 18 with the mobile telephone, telephone or modem identifying the card. Thereafter, at block 20, the method continues by decreasing the balance on the mobile telephone, telephone or modem by said amount and increasing the balance on the card by said amount, or vice versa. It is thus possible to transfer electronic money from the card to the mobile telephone, telephone or modem or from the mobile telephone, telephone or modem to the card.
  • the method continues at block 22 where the mobile telephone, telephone or modem verifies the financial transaction. The method is then completed at block 24.
  • the user acknowledges the error message, whereupon the financial transaction is interrupted.
  • the user may choose the type of transaction by selecting a menu on the mobile telephone, telephone or modem.
  • the financial transactions described above may be performed using the owner of the mobile telephone's own card or another person's card.
  • the PIN code for opening the mobile telephone is entered, for instance, in order to perform financial transactions.
  • Another advantage is if, for instance, the mobile telephone has been stolen or lost, the bank can remove the sum of money stored there, which is then transferred to the owner's account. This is on condition that the owner notifies the bank of the theft or loss of the mobile telephone.
  • FIG. 2 shows schematically one embodiment of a system 30 for performing financial transactions in accordance with the present invention.
  • the system 30 comprises a card reader 34 for reading a card 32, also included in the system 30.
  • Said card 32 comprises at least one memory device (not shown) and a data-processing device (not shown).
  • the card 32 may preferably be a "smart card”.
  • the card reader 34 may be incorporated in a mobile telephone, telephone or modem.
  • the system 30 also includes an input unit 36 for entering identification codes, for instance or amounts involved in financial trans- actions.
  • the input unit 36 may be incorporated in a mobile telephone, telephone or modem and consist, for instance, of an ordinary alphanumerical keyset.
  • the system 30 also comprises a security device 38 for encryption of data, connected to the card reader 34 and the input unit 36.
  • This security device encrypts sensitive data such as account number, PIN code, balance and the like prior to transmis- sion, so that no unauthorised person can have access to this sensitive information.
  • the encryption may be performed using suitable encryption technology.
  • the system 30 also comprises a communication means 40 for communication with the bank where the account is held.
  • the communication means 40 may be included in a mobile telephone, telephone or modem.
  • the system 30 may also comprise a presentation unit (not shown) for displaying information, e.g. menu selection.
  • the system 30 shown in Figure 2 may thus be incorporated into a mobile telephone, telephone or modem. If the system 30 is incorporated into a modem the modem can be connected to an ordinary telephone.
  • Figure 3 shows schematically various applications of the system 30 shown in Figure 2.
  • the card 32 can be used together with a mobile telephone 50 for performing the method in accordance with Figure 1 , for instance.
  • the card 32 can also be used with special automatic charging equipment 52 in order to transfer money to the card 32.
  • the card 32 can also be used with a POS terminal 54 (Point of Sale).
  • the card 32 can also be used in an automatic cash dispenser 56 in order to withdraw cash, for instance.
  • the mobile telephone 50 can communicate with a suitable bank 58, as shown.
  • Use of the system 30 shown in Figure 2 is not limited to the method described in Figure 1.
  • a method for performing financial transactions with the aid of a mobile telephone, a telephone or a modem which method comprises the steps of: • entering a code in the mobile telephone, telephone or modem for identification;
  • a method for performing financial transactions as claimed in claim 1 characterized in that the card is a smart card.
  • a method for performing financial transactions as claimed in any one of claims 1-5 characterized in that the owner of the mobile telephone, telephone or modem and the owner of the card via which the financial transaction is performed are one and the same person. 7. A method for performing financial transactions as claimed in any one of claims 1-5, characterized in that the owner of the mobile telephone, telephone or modem and the owner of the card via which the financial transaction is performed are not one and the same person.
  • a system (30) for performing financial transactions which system (30) comprises:
  • a card comprising memory means and a data-processing device
  • a security device (38) for encryption of data connected to the card reader (34) and the input unit (36),
  • a presentation unit for displaying information, e.g. menu selection, in the mobile telephone (50), telephone or modem.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)

Abstract

L'invention concerne un procédé permettant d'effectuer des transactions financières à l'aide d'un téléphone mobile, d'un téléphone ou d'un modem, ainsi qu'un système permettant d'appliquer le procédé. Ce dernier consiste à entrer un code dans le téléphone portable, le téléphone ou le modem à des fins d'identification, à entrer une somme destinée à une transaction financière, à introduire une carte dans un lecteur de cartes incorporé dans le téléphone portable, dans le téléphone ou dans le modem, lesquels identifient la carte, puis à débiter le solde du téléphone portable, du téléphone ou du modem de ladite somme et à créditer le solde de la carte de cette somme, ou inversement, le téléphone portable, le téléphone ou le modem vérifiant la transaction financière.
EP00948477A 1999-07-15 2000-07-17 Procede permettant d'effectuer des transactions financieres et systeme permettant d'appliquer le procede Withdrawn EP1204952A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
SE9902712A SE517861C2 (sv) 1999-07-15 1999-07-15 Förfarande för att utföra ekonomiska transaktioner samt system för utförande av förfarandet
SE9902712 1999-07-15
PCT/SE2000/001499 WO2001006466A1 (fr) 1999-07-15 2000-07-17 Procede permettant d'effectuer des transactions financieres et systeme permettant d'appliquer le procede

Publications (1)

Publication Number Publication Date
EP1204952A1 true EP1204952A1 (fr) 2002-05-15

Family

ID=20416509

Family Applications (1)

Application Number Title Priority Date Filing Date
EP00948477A Withdrawn EP1204952A1 (fr) 1999-07-15 2000-07-17 Procede permettant d'effectuer des transactions financieres et systeme permettant d'appliquer le procede

Country Status (4)

Country Link
EP (1) EP1204952A1 (fr)
AU (1) AU6195800A (fr)
SE (1) SE517861C2 (fr)
WO (1) WO2001006466A1 (fr)

Family Cites Families (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FI99071C (fi) * 1995-02-15 1997-09-25 Nokia Mobile Phones Ltd Menetelmä sovellusten käyttämiseksi matkaviestimessä ja matkaviestin
SE9502607D0 (sv) * 1995-07-14 1995-07-14 Eii Konsulter Minnesgränssnitt
US5923884A (en) * 1996-08-30 1999-07-13 Gemplus S.C.A. System and method for loading applications onto a smart card
FI104937B (fi) * 1997-01-27 2000-04-28 Sonera Oyj Tilaajaidentiteettimoduuli, matkaviestin ja menetelmä älykorttitoiminteen suorittamiseksi
TW355899B (en) * 1997-01-30 1999-04-11 Qualcomm Inc Method and apparatus for performing financial transactions using a mobile communication unit
US6859650B1 (en) * 1997-06-16 2005-02-22 Swisscom Mobile Ag Mobile device, chip card and method of communication
US6422459B1 (en) * 1997-10-15 2002-07-23 Citicorp Development Center, Inc. Method and system for off-line loading of stored value cards using a batch-load terminal
DK1068589T3 (da) * 1998-04-02 2002-02-25 Swisscom Mobile Ag Fremgangsmåde ved indlæsning af data på et chipkort og indretning tilpasset hertil

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See references of WO0106466A1 *

Also Published As

Publication number Publication date
WO2001006466A9 (fr) 2002-09-12
AU6195800A (en) 2001-02-05
SE517861C2 (sv) 2002-07-23
WO2001006466A1 (fr) 2001-01-25
SE9902712D0 (sv) 1999-07-15
SE9902712L (sv) 2001-01-16
WO2001006466A8 (fr) 2004-04-01

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