WO1999013636A1 - Dispositif de communication a pre-paiement - Google Patents

Dispositif de communication a pre-paiement Download PDF

Info

Publication number
WO1999013636A1
WO1999013636A1 PCT/GB1998/002729 GB9802729W WO9913636A1 WO 1999013636 A1 WO1999013636 A1 WO 1999013636A1 GB 9802729 W GB9802729 W GB 9802729W WO 9913636 A1 WO9913636 A1 WO 9913636A1
Authority
WO
WIPO (PCT)
Prior art keywords
handset
removable module
module
electronic purse
communications apparatus
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.)
Ceased
Application number
PCT/GB1998/002729
Other languages
English (en)
Inventor
Anthony James Biswell
Derek Keith Castle
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.)
TEKTON COMMUNICATIONS Ltd
Original Assignee
TEKTON COMMUNICATIONS 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
Application filed by TEKTON COMMUNICATIONS Ltd filed Critical TEKTON COMMUNICATIONS Ltd
Priority to AU90844/98A priority Critical patent/AU9084498A/en
Publication of WO1999013636A1 publication Critical patent/WO1999013636A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • 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
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/88—Provision for limiting connection, or expenditure
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0116—Provision for limiting expenditure, e.g. limit on call expenses or account
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02—Terminal devices

Definitions

  • the present invention relates to pre-payable communication devices and more particularly to pre-payable communication devices which are suitable for use in radio communication networks.
  • Radio communication devices such as mobile telephones
  • the service provider needs to rely on the creditworthiness of the mobile phone subscriber and both the service provider and the subscriber are at risk from fraudulent use of the subscriber's terminal.
  • Many people who would otherwise benefit from the occasional use of a mobile phone are prevented from having this benefit because either the cost is too high and/or the service provider is unable to rely on their creditworthiness.
  • the monthly line rental charge is often prohibitively expensive.
  • GSM Global system for Mobile Communications
  • GSM Global system for Mobile Communications
  • mobile telephone handsets are operable with only one, or perhaps two different communication protocol systems. This means that when the user moves to a different geographical area, he may be unable to operate his mobile telephone, if the communication protocol system for that area is incompatible with his handset. This is often a problem for travellers and yet travellers often only have access to mobile communications devices and need them most when they are on the move.
  • a conventional SmartCard is typically a rectangular piece of plastics material, of a similar size and shape to a credit card, which contains integrated circuits, microprocessors and/or read write memory.
  • the use of SmartCards in radio telephones is known, for example, as described in UK patent application number 2267794 in the name of Alan Kilpatrick Conroy. This application describes a pre-payable mobile cellular phone. However, the specification gives no details on how the pre-payment is achieved.
  • SIM cards subscriber identification module
  • GSM Global System for Mobile communications
  • subscriber information e.g. subscriber phone number, service provider
  • plug into a GSM compatible mobile telephone handset to configure that handset for a particular subscriber.
  • These cards only reference the subscriber data and do not include radio frequency circuitry or protocol information. If the SIM card is removed from the handset incoming calls cannot be received.
  • None of the above prior art provides either communications equipment or a method of operation which enables every would-be subscriber, regardless of creditworthiness to have access to a mobile phone on a pay-as-you-use basis.
  • a portable radio communications apparatus comprising: (i) a portable handset; (ii) a removable module comprising a rechargeable electronic purse and a subscriber identification unit;
  • the subscriber identification unit in the removable module provides "identification" for a particular subscriber, so that one subscriber can use several different handsets and configure these for his own use simply by adding the removable module. This helps subscribers when they travel between areas covered by different protocol systems. Such a traveller would be able to retain his or her removable module and simply insert this into a different handset that is operable with the new protocol system.
  • the removable module comprises a SmartCard.
  • the subscriber identification unit comprises a conventional subscriber identification module.
  • the subscriber identification unit is adapted to be compatible with the Global System for Mobile Communications Protocol. This enables the communications apparatus to be used with a widely used European protocol system.
  • a removable module suitable for use with a portable radio communications handset said module comprising an electronic purse and a subscriber identification unit, said module being adapted to be received in a recess in said handset, and wherein said module is adapted such that in use the handset is substantially inoperable when the module is removed from the communications apparatus.
  • the present invention is intended to encompass both the removable module and the handset together and individually.
  • the invention also encompasses a method for using the removable module and handset as well as a charging station for charging the removable module. Description of the drawings
  • Figure 1 is a flow diagram indicating a method of using the prepayable portable radio communications apparatus.
  • Figure 2 is a schematic diagram of a handset and removable module.
  • Figure 3 is a flow diagram showing a method of recharging a removable module.
  • Figure 4 is a flow diagram of actions and screen messages in a method of recharging a removable module.
  • Figure 5 is a flow diagram of actions and screen messages in a method of initialising a removable module.
  • Figure 6 is a schematic diagram of an external fraud detection system.
  • Figure 7 is a schematic diagram of an alternative external fraud detection system. Description of preferred embodiments Embodiments of the present invention are described below by way of example only. These examples represent the best ways of putting the invention into practice that are currently known to the Applicant although they are not the only ways in which this could be achieved.
  • FIG. 2 is a schematic diagram of a portable radio communications apparatus 20 comprising a portable handset 21 and a removable module 22.
  • the portable handset is shown as being similar to a conventional mobile telephone handset although any suitable type of handset may be used.
  • the handset comprises a display area 23, an aerial 24, a key pad 25 and a recess 26.
  • the recess is shown as being similar to a conventional mobile telephone handset although any suitable type of handset may be used.
  • the handset comprises a display area 23, an aerial 24, a key pad 25 and a recess 26.
  • the recess The recess
  • the handset 26 is adapted to receive the removable module 22 as shown in figure 2.
  • the handset may also comprise a microphone and a loudspeaker (not shown) as well as other elements typically contained in a conventional radio telephone handset.
  • some components that would typically be contained in a conventional radio telephone handset are removed from the handset 21 and replaced by equivalent or alternative devices and circuitry in the removable module. This is explained further below.
  • the removable module 22 is shown as being generally rectangular in shape although any shape can be used.
  • the removable module is a SmartCard and has a shape similar to that of a conventional credit card.
  • the removable module comprises an electronic purse.
  • the term "electronic purse” is used to refer to any form of memory that is capable of being read and updated, and which is capable of storing information about units of "air-time".
  • the electronic purse is rechargeable, that is once the units of "air time” that it contains have been used up, they can be replaced.
  • the removable modules can be disposable, so that once the units are used up the module is simply replaced.
  • Units of "air-time” are units of time for which a communications service is provided by a communications network service provider.
  • the removable module 22 can be inserted into and removed from the recess 26 in the handset.
  • the removable module 22 also comprises a subscriber identification unit (not shown) which is preferably a conventional subscriber identification module (SIM).
  • SIM subscriber identification module
  • the removable module 22 can be a SIM card which further comprises an electronic purse.
  • SIM subscriber identification module
  • the SIM is also removed and this means that the communications apparatus 20 cannot be used to transmit or receive information.
  • the SIM is removed from the apparatus 20 there is no information in the handset about which subscriber is using the apparatus, for example, the user's telephone number. This means that the communications apparatus is substantially inoperable when the module is removed.
  • Figure 1 is a flow diagram indicating a method of using the prepayable portable radio communications apparatus. This represents one example of a method for using the prepayable portable radio communications apparatus; other methods may also be used.
  • the user first obtains a removable module 22 and inserts this into the handset 22 and then a card validity check process 1 is carried out.
  • the card validity check process involves checking whether the removable module is in anyway "data corrupt" or is not in credit.
  • the handset contains a reading device adapted to determine a content of the electronic purse and also an enabling means arranged to allow substantial operation of the communications apparatus on the basis of the content of the electronic purse.
  • PIN personal identification number
  • the next stage 2 involves a network authentication check by the airtime provider. This involves a check of the information provided in the subscriber identification unit or SIM (if a SIM is used). By making this check the service provider can help to prevent use of fraudulent removable modules. If the result of stage 2 is a "fail" i.e. the check is unsuccessful for any reason then the communications apparatus is not enabled as shown in box 3 in figure 1. That is, the enabling means prevents use of the communications apparatus. A warning message and instructions to the subscriber can be displayed on the display panel to indicate that access to the communications network by the service provider has not been granted.
  • stage 2 If the result of stage 2 is successful then full functionality and dial facilities are granted by the service provider as indicated in box 4 of figure 1.
  • the subscriber is then able to use the portable radio communications apparatus and as information is transmitted or received from the apparatus (indicated by box 7 in figure 1 ) the electronic purse is updated (as indicated by arrow 10 in figure 1). For example, as units of "air time” are used by the subscriber these are decremented from the electronic purse contents.
  • the reading device determines that the electronic purse is empty the result of the airtime credit box 5 is a "fail” and the user is advised (box 6) and the enabling device prevents use of the communications apparatus. At this point the user may remove the removable module from the handset and use a charging station to recharge the module.
  • the user may purchase more "air-time” units and store these in the electronic purse on the removable module.
  • This method provides the advantage that the service provider is not responsible for the creditworthiness of the subscriber. Also, the subscriber is able to use a mobile phone on a pay-as-you-use basis and is fully in control of his or her expenditure at any one time. It is not necessary for the whole mobile telephone to be configured for use specifically by one subscriber i.e. the telephone does not have to be configured for one telephone number. This is because the telephone number effectively "travels with" the subscriber within his removable module.
  • the subscriber can simply obtain a new handset, that is preconfigured for the protocol of that area, and insert his removable module into the handset in order to configure that handset for his own personal use. For example, travellers could hire a telephone handset when they enter a new area.
  • the charging station comprises a recess which is able to accept a removable module and also means for entering "air-time” units onto the electronic purse on the module.
  • some of the functionality from the handset is removed and placed onto the removable module. That is, the handset will typically contain electronic apparatus which will enable the handset to function as a radio communications apparatus when the electronic purse is "charged" and the subscriber identification unit is provided. This means that the handset is hugely more expensive relative to the removable module.
  • some of the functionality from the handset is removed and instead incorporated into the removable module or SmartCard. This increases the value of the removable module relative to the handset and may also ensure that the handset will not function without the removable module.
  • Examples of functions that could be removed from the handset include the enabling means, the reading device and other features such as circuitry for converting the speech signal from the user into digital form. These are only examples of functions that could be incorporated into the removable module. Other functions could also be incorporated by making use of conventional circuit design techniques such as would be know to the skilled person in the art.
  • the present invention is made available as an integral component of a customer loyalty programme.
  • the pre-pay mobile telephone is made available to loyalty card holders as an extension of any existing loyalty scheme, on the basis of reward for tenure and spend within the loyalty scheme. Users are able to earn loyalty points on airtime and also to redeem loyalty points against purchase of airtime.
  • the SmartCard for use with the pre-pay mobile telephone handset is also functional as a customer loyalty card.
  • the SmartCard contains an amount of airtime included at the time of purchase and subsequent recharging of the card is possible upon each visit to the loyalty scheme provider's premises.
  • FIGS 3 and 4 are flow diagrams which illustrate the process of recharging the removable module or SmartCard.
  • the user needs to recharge his or her SmartCard 34 he or she visits the loyalty provider's premises and at a point of sale till 31 carries out a credit transaction 41 , 42 to pay for airtime units to be charged onto the SmartCard 34.
  • the SmartCard 34 is then inserted 44, 45 into a SmartCard reader 33 that is connected to or integral with a secure personal computer 32.
  • the personal computer 32 is connected to a local database 35 which contains information about the user's loyalty card and SmartCard 34.
  • the local database 35 is in turn connected to a remote secure database 36.
  • a message 46 is displayed on the screen of the personal computer 32 which indicates the amount of pre-paid air time units that remain on the SmartCard 34.
  • the amount of air time units that are to be credited to the card 34 is then entered onto the personal computer 46 and the personal computer updates the electronic purse in the SmartCard 34 accordingly using an encrypted transaction.
  • the amount of units to be credited to the card can either be entered manually or can be transferred electronically from the till 31 to the computer.
  • the updated amount of pre-paid air time units on the SmartCard 34 is displayed on the computer screen 47 and the SmartCard 34 is then returned to the user or customer 47. Finally the handset is returned to the customer 48.
  • the encrypted transaction involves the following steps: 1.
  • the secure personal computer obtains secret data that is specific to the SmartCard from the SmartCard itself and/or the local and remote databases and builds an encrypted update command. 2.
  • the software within the card deciphers the encrypted command and updates the airtime counter or electronic purse within the SmartCard.
  • Such an encrypted transaction is recorded by the personal computer and when a batch of such records are obtained this batch is sent to the remote secure database 36 for storage and to update that database.
  • Each SmartCard contains secure key information which is stored on the card during the manufacturing process. Information about these secure keys is held on the main database 36 and is accessible by the local database 35.
  • a removable module or SmartCard 34 this is initialised by placing the SmartCard 34 into the card reader 33.
  • Information from the card 34 which identifies the card and provides security information (i.e. the secure key) is read by the card reader 33 and checked by the personal computer 32 using information from the local and/or remote databases 35, 36. If this check is successful the card if authenticated 55 and a screen message asking for loyalty card details to be entered is displayed 55.
  • the loyalty card details are entered 52 to the personal computer 32 and then the card is initialised by the personal computer 53.
  • Details linking the loyalty card details and the secure key are stored on the local and/or remote database 35, 36 and an initial amount of airtime credit is charged to the card.
  • the card is then removed from the reader and returned to the customer 57 in order to be inserted into the customer handset 54.
  • a fraud detection system is provided that is external to the handset and removable module. This is provided in addition to any fraud detection system provided by the network operator. This system monitors traffic made on the pre-paid mobile telephone network and compares this traffic against information about recharging of SmartCards on the system. For a particular SmartCard, if more traffic is being created than is justified by the amount of credit on that SmartCard then possible fraud is identified. After checks have been made, if it is found that fraud is occurring then the SmartCard is prevented from accessing the network.
  • Figures 6 and 7 show two examples of an external fraud detection system. Prepaid mobile phone handsets 62 are used to communicate over an operator or service provider's communications network 61.
  • a call detail record contains information about the calling party, the called party, the duration of the call, the time when the call was made and other information about the call.
  • the call detail records for that 12 hour period are downloaded to database 66,71 in the fraud management system.
  • a SmartCard reader 64 or other removable module reader is provided that is connected to a till 63 such that the card reader 64 and till 63 are uniquely matched for security reasons.
  • information about the recharge is downloaded to a database 65, 71 in the fraud management system.
  • Information about new users from the card initialisation process can also be downloaded.
  • the information can be stored within the local database 35 before being downloaded in batches.
  • the fraud detection system comprises two separate databases 65 and 66.
  • One database 66 stores the call detail records and the other 65 stores information about credit data and new users.
  • the information from these two databases is accessed and compared by a processor 67 in order to identify potential fraud cases.
  • the processor 67 generates action requests and reports of fraudulent activity. These outputs can be provided directly to a human operator 69 or can be sent to the network operator 61.
  • Information from the databases 65, 66 and processor 67 can also be provided to the clubcard database 68.
  • a single database 71 which stores information about both call detail records and credit data.
  • the network operator 61 has access to information from this database 71 as shown in figure 7.
  • the database 71 also comprises a processor for analysing the data and producing management reports 73.
  • Real time access 72 to the database 71 can also be provided.
  • the database may state that no credit remains on a particular SmartCard, when in fact the user has recently recharged the SmartCard. Allowance is made for this in order to avoid detecting this situation as a case of fraud. This is described below.
  • the processor 71 , 67 in the fraud management system is arranged to detect a potential case of fraud in situations such as:
  • the CDRs are downloaded to the fraud detection system at intervals, such as 12 hourly or 2 hourly intervals, then a time window is present during which fraudulent use of "unpaid for" airtime may occur.
  • the handset and removable module combination is able to monitor call durations during this time window. If more than a threshold level of total call duration is exceeded during this time window than a potential fraud is detected. In this event the communications apparatus is either shut down until the time window has passed or the network operator or security staff are alerted.
  • a timer mechanism is implemented by incorporating a timer mechanism into the removable module or SmartCard.
  • a pulse signal is sent from the handset to the module and this activates the timer mechanism.
  • another pulse signal is sent from the handset to the module to deactivate the timer.
  • the timer thus monitors total call duration for all calls during a time window, after which it is reset to zero.
  • a processor in the removable module or SmartCard compares the call duration value from the timer against a predetermined threshold and if the threshold is exceeded all outgoing calls are barred for the duration of the time window.
  • the time window, or exclusion time is set from within the handset/SmartCard combination. At the end of this time normal outgoing call usage is restored and the process counters are reset to zero time.
  • a timer mechanism is provided in the handset or in the removable module in order to emulate the charging signals.
  • This timer may be the same as the timer described in the section headed "use of handset and removable module to monitor duration of calls" above.
  • This timer mechanism is activated by signals from the handset which are provided at the start and end of a call.
  • Information about tariff rates is stored in the handset or removable module. For example, this information can be stored in the form of a look up table. Time information from the timer mechanism is then used in conjunction with the tariff information in order to determine the cost of the call. The electronic purse is then decremented accordingly.
  • the handset is provided with two personal identification number accesses.
  • a first PIN access allows the handset to be activated and a second provides access to sub routings which can change values such as the value of charges or amount of charge time.
  • a particular handset and removable module or SmartCard are electronically “locked” together during the manufacturing process so that they may only be used in conjunction with each other. This is done by storing a secure key in either or both of the handset and the removable module or SmartCard.
  • the secure key is a cryptogram or other encrypted code. Means for checking that this secure key is present and correct are provided in the handset or removable module. Each handset and module pair is given a unique key so that they will only function fully together.
  • key is used to refer to stored cryptograms, encoded information and other electronic keys as well as physical apparatus which ensures that a particular handset can only be used with a module which is able to operate the key. SmartCard Details about the SmartCard are described below:
  • the SmartCard provides the means for storing an amount of credit in agreed currencies or units of time up to predetermined maximum values, which are variable by secure communication to a SmartCard reader.
  • the credit is debited by the operation of a mobile telephone or by a card reader in a point of sale terminal.
  • the SmartCard provides control over the mobile Handset functions of:
  • AOC advice of charge
  • CAI charging advice information
  • Monitor call in progress duration provide user warning and tear down when threshold reached.
  • the SmartCard is able to place restrictions that allow single language selection only.
  • AOC advice of charge
  • the SmartCard is able to hold a secure electronic purse function that is capable of managing and controlling units of currency that are stored within it.
  • the SmartCard is capable of storing loyalty or other retailer defined units as "points" which may have no monetary value placed upon them. These "points” are redeemable via the SmartCard reader as units to be used in Prepay systems.
  • a set of interface protocols are defined for secure transactions between the Handset and the SmartCard, to prevent fraud either through spoofing, or tamper of either the Handset or the SmartCard.
  • a set of interface protocols are also defined for secure transactions between the card reader and the SmartCard, to prevent fraud either through spoofing, or tamper of either the card or the card reader.
  • No information generated by the SmartCard to the Handset relating to prepay usage is transmitted to the network by the radio interface or by any other means.
  • the SmartCard is capable of detecting unauthorised tampering and ceases to function until returned to a card reader and reactivated. For example, if the wrong personal identification number is entered three times during the card validity check process.
  • the SmartCard protocols prevent no more than 3 unauthorised actions to access any secure area before complete termination of the SmartCard functions.
  • a limited number of master SmartCards may be provided for use by point of sale operators, issued under strict controls in store.
  • a number of secure access modules (SAM's) for use in the card readers at point of sale can be provided.
  • a SAM is a fixed SIM which contains cryptograms for accessing the identity or secure key information from the SmartCards.
  • the SmartCard :
  • the SmartCard retaining unit in one embodiment, has retaining pins that are ciose together.
  • the retaining unit is specially designed such that these pins do not flex and contact each other, so creating a short circuit.
  • the SmartCard can be a full size SIM, mini SIM adapter based alternatives are also possible.
  • the SmartCard can be delivered with a surface finish or other orientation mark to assist in identification of its correct insertion for visually impaired users.
  • the SmartCard can be capable of accepting various finishes e.g. silk screen printing for branding.
  • each SmartCard is individually marked with a machine readable bar code and human readable serial number. Records of all SmartCard serial numbers and their distribution can then be kept. SmartCard Reader Functionality
  • the SmartCard reader allows a secure sign-on process at power on, user log on and log off. This process involves the use of master SmartCards coupled to PIN number entry.
  • the SmartCard reader is capable of maintaining the system clock function to allow for daylight saving.
  • the SmartCard reader is capable of recording the operator name and sign on/off date/times.
  • the SmartCard reader has a supervisor login password for password administration.
  • the SmartCard reader is able to hold a secure terminal key to identify each Card reader to the database to show where credit records have been generated.
  • the SmartCard reader is capable of creating batches of credit records with incrementing batch numbers. • The SmartCard reader is capable of holding the previous 20 batches of credit records. • Is capable of displaying simple text messages to prompt actions from operators to perform the following tasks:
  • the card reader shall allow interaction to a PC or Point of Sale terminals via either a serial RS232 or other industry standard data transfer interface.
  • the data transferred is encrypted according to a predetermined protocol.
  • the card reader system allows remote polling of the system by an external data device, such as the fraud detection system, via modem dial up communications or network connection.
  • This modem can be internal to the card reader system.
  • the card reader system initiates communications with the external data device upon command by the program contained in the card reader system.
  • the SmartCard reader is dismountabie from a host PC if supplied as a separate unit, with minimal requirement for special tools or specialist knowledge by service personnel.
  • the card reader is capable of arithmetically deriving SmartCard self identification or SRES based on algorithms held on a mini SmartCard held within the unit.
  • the card reader unit is capable of supporting internal readers for plug-in SmartCards conforming to current industry standards.
  • the card reader is capable of supporting a main card reader that takes full size cards. This reader has the following characteristics: • Push-pull reader with landing contacts;
  • the unit has sufficient memory capabilities to support the requirements of the data capture and transfer routines.
  • the unit is capable of supporting Industry standard programming languages that are downloadable over an RS232 interface.
  • the card reader system is capable of supporting common point of sale (POS) protocols to accept data transfer from POS systems to allow for updating of the values to the SmartCard.
  • POS point of sale
  • the SmartCard reader communications with any external data device are encrypted.
  • the SmartCard reader is capable of providing PIN controlled access to all of its functionality including initial access to the screen prompts prior to any form of authentication or credit related actions.
  • the SmartCard reader protocols allow no more than 3 unauthorised actions to access any secure area before complete termination of the SmartCard functions.
  • the SmartCard reader can detect unauthorised tampering of the SmartCard and causes the SmartCard to cease to function, in this situation.
  • the SmartCard reader is capable of accepting full size SmartCards and/or mini SIM's held within full size card adapters. • Secondary card readers are provided to accept mini SIM
  • the SmartCard reader has an integral display capable of displaying either text or Icons to prompt the operator.
  • the SmartCard reader is of a compact size, suitable for co-location with a POS terminal or PC on a customer services desk within a retail store. • If the SmartCard reader system consists of a PC and card reader, the overall footprint (or size of the system on the desk) does not exceed that of a standard desktop PC. Any screen used in this configuration is not larger than 12" and ideally forms a single unit with the card reader and processor.
  • Environmental • The SmartCard reader system supports dual voltage input and is suitable for installation in a number of European countries, with conformance to all relevant environmental requirements e.g. EMC, Noise, Operator ergonomics etc.
  • the unit is capable of being hard wired to power supply units (including UPS systems) • All data, power, telephony communications, and internal SAM connections are capable of being secured in place to prevent unauthorised disconnection of any service.
  • UPS systems power supply units
  • All data, power, telephony communications, and internal SAM connections are capable of being secured in place to prevent unauthorised disconnection of any service.
  • the Handsets used in this project provide the following functionality: • Be driven by a SmartCard developed for the Handset so as to provide feedback to a user of the service of the credit remaining on the SmartCard, via the Handset display.
  • the Handset is capable of emulating AOC information when none is presented by the network for reference by the SmartCard for charging information purposes.
  • the help line number(s) may be allowed a pre-set number of transactions per period at which point additional use is denied until the period is expired.
  • call waiting, call swap (in which a call is transferred to another number) and call hold are allowed as long as any outbound call in progress continues to decrement the credit on the SmartCard.
  • the SmartCard allows the barring of calls by Calling Party
  • CPC Content
  • the Handset does not allow manual user reset of the Advice of charge indicators via the Handset, or access to PIN2.
  • the display is capable of displaying an alternating message in the style of "Emergency/Helpline Calls ONLY" and "Operator Name" when credit has expired.
  • the display is capable of displaying the operator PLMN code rather than the operator name.
  • Line 2 ie a second line in a call swap
  • the Handset has the menu functions and associated GSM instruction sets removed or deleted, prior to despatch, for the following call types and menus:
  • Phonebook Capacity add or delete; Copy functions; One touch dialling; Fixed Dialling; Phone Status; Network Selection; Call Meters;
  • the Handset is capable of providing a user configurable decrement warning to indicate unit usage, in both visual and audible formats.
  • the Handset is capable of providing a "Credit nearing expiry, please recharge” warning to the user in both visual and audible formats.
  • the Handset is capable of providing a user warning and also of "tearing down the call” when credit is expired or when a threshold configurable via the card reader or over the radio interface is reached.
  • the Handset is capable of providing a "Credit expired, please recharge", warning to the user in both visual and audible formats, and prevent call set up being activated except for emergency and helpline calls.
  • the Handset supports voice calls and the Short Message Service. It supports restricted dialling, phone book, and diverts to voice mail.
  • the Handset is capable of being locked to a single network operator and to the SmartCard. These locks are not user addressable under any circumstances.
  • the Handset has good standby battery life, in excess of 40 hours and talk time in excess of 90 minutes.
  • the Handset supports one number dialling to the network voice mail service.
  • the Handset display is easy to read and supports icons as well as text. • The Handset is capable of supporting calls to pre-determined help line numbers on a toll free basis.
  • the Handset manufacturer is able to unlock a SmartCard from its Handset in the repair centre. This is necessary if, for example, the Handset breaks when there is a large amount of credit on the SmartCard. • The Handset permits Incoming calls when credit has expired. Interfaces
  • the Handset user interface is intuitive to the novice user and presents information in a logical and clear fashion. The use of multiple level menu access for the most common activities is avoided. Integral context sensitive user help is desirable. • The Handset can support interfaces to data cards for connection from modem or laptop for example, and may have a connection for external power supplies.
  • the Handset supports full size SIM cards and ideally contains a SIM release mechanism such that the user does not need to disassemble the Handset or battery to remove the SIM for recharging. • The SIM does not suffer any harm due to withdrawal of the SIM while the Handset is switched on. • The SIM to Handset interface supports insertion of the card with a duty cycle in excess of 5000 insertions before any degradation of the interface to the SIM is observed.
  • the Handset allows the suppression of access to PIN2 and other Handset menu functions by means of instruction from the SmartCard.
  • the Handset has intrinsically good security to prevent unauthorised access to the data transfer between the SmartCard and the Handset.
  • the physical design of the Handset is arranged to deter tamper or access to the contacts of the SIM. Ideally any attempt at access to the interior of the Handset leads to the destruction of the Handset.
  • SIM card extenders which enable manipulation of a SIM card by keeping it outside the Handset cannot be with the Handset, when in operation.
  • the Handset supports full size SIM cards.
  • the Handset is of a compact design and subject to evaluation on the basis of appearance, layout, clarity of markings, innovative features, user friendliness, audio quality etc.
  • the Handset is of robust construction and provides good ergonomic operation to the user both in call set up and during a call.
  • the Handset is capable of being marked with branding marks, on the front or on the keypad cover as appropriate.
  • Handset A full range of accessories including car kits, desk top chargers, desktop hands free kits, data cards (if appropriate) and a range of battery options, can be used with the Handset. • The Handset is supported by a manufacturer's User Guide, Frequently asked Question and Answer sheets. Operational requirements
  • the network supports advice of charge (AOC) or other suitable systems which can be used to decrement credit held on the prepay SmartCards.
  • AOC advice of charge
  • the network is capable of setting the AOC decrement interval to 10 seconds at delivery and can allow this interval to be configurable over the radio interface to the Handset.
  • the network supports remote enabling and disabling of the Handset and SmartCard via authenticated request by the network to the Handset in combination with user PIN entry.
  • the network is capable of monitoring the destinations of calls initiated and restrict calls to predefined destinations by National Number Group.
  • the network is capable of barring all calls to premium or international destinations.
  • the network is capable of preventing call transfer, call forwarding (except to voice mail), conference calls or any non standard or basic call types from being initiated.
  • the network is capable of allowing Data calls and Short Message Service (SMS) calls on the basis that these are charged at the same rate as voice calls. If this is not possible inbound data and SMS calls only are allowed.
  • SMS Short Message Service
  • the network should be capable of barring these outbound calls if charging on the above basis is not possible. Rating and tariff requirements
  • the network operator provides the facility to zero rate calls to specified numbers such as helpdesk numbers and emergency calls.
  • CDR Call Detail Records

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Signal Processing (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Telephonic Communication Services (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

On décrit un appareil de radiocommunications portatif comprenant i) un combiné portatif; ii) un module amovible comprenant un porte-monnaie électronique rechargeable et une unité d'identification de l'abonné; iii) une fente ménagée dans le combiné pour accueillir le module amovible; iv) un dispositif de lecture ménagé dans le combiné pour déterminer le contenu du porte-monnaie électronique; v) un moyen d'exploitation offrant des possibilités étendues d'utiliser l'appareil de communications en fonction du contenu du porte-monnaie électronique. L'ensemble est ainsi conçu que, lorsque le module est enlevé, l'appareil de communications est sensiblement inutilisable.
PCT/GB1998/002729 1997-09-10 1998-09-10 Dispositif de communication a pre-paiement Ceased WO1999013636A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU90844/98A AU9084498A (en) 1997-09-10 1998-09-10 A pre-payable communication device

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB9719100.1 1997-09-10
GBGB9719100.1A GB9719100D0 (en) 1997-09-10 1997-09-10 A pre-payable communication device

Publications (1)

Publication Number Publication Date
WO1999013636A1 true WO1999013636A1 (fr) 1999-03-18

Family

ID=10818760

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/GB1998/002729 Ceased WO1999013636A1 (fr) 1997-09-10 1998-09-10 Dispositif de communication a pre-paiement

Country Status (3)

Country Link
AU (1) AU9084498A (fr)
GB (2) GB9719100D0 (fr)
WO (1) WO1999013636A1 (fr)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1649679A4 (fr) * 2003-04-14 2006-11-08 Gary Davidson Systeme et procede de prepaiement sans fil
WO2007053117A1 (fr) * 2005-11-04 2007-05-10 Utiba Pte Ltd Telephone mobile utilise en tant que dispositif de point de vente (pos)
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US9892386B2 (en) 2011-06-03 2018-02-13 Mozido, Inc. Monetary transaction system
US10438196B2 (en) 2011-11-21 2019-10-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10020900A1 (de) * 2000-04-28 2002-04-04 Cardmaxx De Ag Verfahren und Vorrichtung zur elektronischen Distribution von virtuellen Mobilfunk-Prepaid-Karten
AU782258B2 (en) * 2000-05-24 2005-07-14 Robert George Murray Communication systems
EP1180894A1 (fr) * 2000-08-19 2002-02-20 Yozan Inc. Contrôleur d'information de compte
US7519325B2 (en) * 2004-12-30 2009-04-14 Nokia Corporation Docking of short-range wireless communication tags with mobile terminals

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2267794A (en) * 1992-04-24 1993-12-15 Alan Kilpatrick Conroy A pre-payable mobile cellular phone
WO1995028062A2 (fr) * 1994-04-07 1995-10-19 Nokia Telecommunications Oy Module d'identification d'abonne amovible pour radiotelephone mobile et systeme de controle d'appel
US5577109A (en) * 1994-06-06 1996-11-19 Call Processing, Inc. Pre-paid card system and method
WO1997005729A1 (fr) * 1995-07-27 1997-02-13 Telecom Italia Mobile S.P.A. Equipement terminal de radiotelephonie mobile pourvu d'un lecteur supplementaire de cartes a puce
GB2308528A (en) * 1995-12-20 1997-06-25 Ramis Harry Mobile Telephone Using SIM Card Storing Prepaid Units
EP0790587A1 (fr) * 1996-02-14 1997-08-20 Koninklijke Philips Electronics N.V. Système de transmission comportant des dispositifs terminaux munis d'un circuit de prépaiement, dispositif terminal convenant à un tel système et procédé mis en oeuvre dans un tel système

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2267794A (en) * 1992-04-24 1993-12-15 Alan Kilpatrick Conroy A pre-payable mobile cellular phone
WO1995028062A2 (fr) * 1994-04-07 1995-10-19 Nokia Telecommunications Oy Module d'identification d'abonne amovible pour radiotelephone mobile et systeme de controle d'appel
US5577109A (en) * 1994-06-06 1996-11-19 Call Processing, Inc. Pre-paid card system and method
WO1997005729A1 (fr) * 1995-07-27 1997-02-13 Telecom Italia Mobile S.P.A. Equipement terminal de radiotelephonie mobile pourvu d'un lecteur supplementaire de cartes a puce
GB2308528A (en) * 1995-12-20 1997-06-25 Ramis Harry Mobile Telephone Using SIM Card Storing Prepaid Units
EP0790587A1 (fr) * 1996-02-14 1997-08-20 Koninklijke Philips Electronics N.V. Système de transmission comportant des dispositifs terminaux munis d'un circuit de prépaiement, dispositif terminal convenant à un tel système et procédé mis en oeuvre dans un tel système

Cited By (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1649679A4 (fr) * 2003-04-14 2006-11-08 Gary Davidson Systeme et procede de prepaiement sans fil
WO2007053117A1 (fr) * 2005-11-04 2007-05-10 Utiba Pte Ltd Telephone mobile utilise en tant que dispositif de point de vente (pos)
US10296886B2 (en) 2005-11-04 2019-05-21 Utiba PTE, Ltd. Mobile phone as point of sale (POS) device
US9892386B2 (en) 2011-06-03 2018-02-13 Mozido, Inc. Monetary transaction system
US11120413B2 (en) 2011-06-03 2021-09-14 Fintiv, Inc. Monetary transaction system
US11295281B2 (en) 2011-06-03 2022-04-05 Fintiv, Inc. Monetary transaction system
US12346886B2 (en) 2011-06-03 2025-07-01 Fintiv, Inc. Monetary transaction system
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US10438196B2 (en) 2011-11-21 2019-10-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US11468434B2 (en) 2011-11-21 2022-10-11 Fintiv, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US12248929B2 (en) 2011-11-21 2025-03-11 Fintiv, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers

Also Published As

Publication number Publication date
GB9719100D0 (en) 1997-11-12
GB9819776D0 (en) 1998-11-04
AU9084498A (en) 1999-03-29
GB2329799A (en) 1999-03-31

Similar Documents

Publication Publication Date Title
EP1067752B1 (fr) Système de téléphone mobile, produit de programme informatique, téléphone sans fil portatif et méthode pour rendre ou maintenir un téléphone mobile actif
US5818915A (en) Recyclable cellular telephone and method and apparatus for supporting the use of a recyclable cellular telephone within a cellular telephone network
US5870459A (en) Recyclable cellular telephone and method and apparatus for supporting the use of a recyclable cellular telephone within a cellular telephone network
US5966654A (en) Recyclable cellular telephone and method and apparatus for supporting the use of a recyclable cellular telephone within a cellular telephone network acting as a theme park communicator/scheduler
US5946613A (en) Recyclable cellular telephone and method and apparatus for supporting the use of a recyclable cellular telephone within a cellular telephone network
CA2105570C (fr) Telephone mobile, systeme et methode associes
US6744874B2 (en) Method of universal communication and devices thereof
US20040185827A1 (en) System and method for replenishing an account
US6236851B1 (en) Prepaid security cellular telecommunications system
US6434379B1 (en) Method for dynamic management of a prepaid terminal subscription
US20100151820A1 (en) Devices, Systems and Methods for Localized and Controlled Telephone Service
US20080242267A1 (en) Remote Activation of a User Account in a Telecommunication Network
NZ332372A (en) Prepayment for wireless telephone services by means of smart cards
US20060217106A1 (en) Prepaid wireless system and method
WO1999013636A1 (fr) Dispositif de communication a pre-paiement
JP2001523413A (ja) 移動無線電話の方法およびシステム、およびこのようなシステムにおいて使用可能な端末
WO2008110658A1 (fr) Commande de communication
KR20010079167A (ko) 선불 서비스를 위한 이동통신 단말기 및 그 시스템과서비스 제어방법
JP2911047B2 (ja) リース用移動端末
KR200246679Y1 (ko) 선불 서비스를 위한 이동통신 단말기 및 그 시스템
AU706532C (en) Prepayment for wireless telephone services by means of smart cards
KR20020016756A (ko) 전화카드 또는 선불카드를 이용한 전화 정보 이용료정산방법
JP2001036656A (ja) 個別ｉｄを付与した携帯通信機器へのサービスシステム
JP2002123776A (ja) カード認証システム
MXPA05011051A (es) Sistema y metodo inalambrico de prepago

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

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

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): GH GM KE LS MW SD SZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN GW ML MR NE SN TD TG

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

Ref country code: KR

NENP Non-entry into the national phase

Ref country code: CA

REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

122 Ep: pct application non-entry in european phase