Method and system for conducting wireless payments
First Claim
1. A method of shopping for items selected online by a mobile user from a merchant via a wireless telecommunication system, said method comprising the steps of:
- establishing a wireless connection with a gateway server by said mobile user;
browsing said merchants for items of said goods and services;
selecting said items the user intends for purchase from said associated merchant;
initiating a transaction for payment by said merchant for said selected items to a trusted financial entity capable of making payment on behalf of said mobile user, wherein said payment transaction occurs without the transmission of sensitive user financial data outside the financial entity; and
relaying the results of the transaction to the mobile user via the wireless connection.
1 Assignment
0 Petitions
Accused Products
Abstract
A method and system for conducting payments with a wireless terminal by a user in exchange for goods and services rendered by a merchant. In an embodiment of the invention, a Wireless Application Protocol (WAP) server for use with a WAP compliant terminal enables the user to browse merchants from a portal page over an HTTP connection. The user selects items for purchase in which payment to the merchant is initiated using the Secure Electronic Transaction (SET) protocol to a Server Wallet server. In one aspect of the invention, the user provides proof of identity and confirmation for the payment with a digital signature calculated by a Wireless Identity Module (WIM) operating with the wireless terminal. The Server Wallet, which retains sensitive financial information such as a payment card accounts e.g. credit cards numbers, carries out the payment transaction to the merchant on behalf of the user. The result of the transaction is returned to the user via standard secure WAP protocols.
-
Citations
23 Claims
-
1. A method of shopping for items selected online by a mobile user from a merchant via a wireless telecommunication system, said method comprising the steps of:
-
establishing a wireless connection with a gateway server by said mobile user;
browsing said merchants for items of said goods and services;
selecting said items the user intends for purchase from said associated merchant;
initiating a transaction for payment by said merchant for said selected items to a trusted financial entity capable of making payment on behalf of said mobile user, wherein said payment transaction occurs without the transmission of sensitive user financial data outside the financial entity; and
relaying the results of the transaction to the mobile user via the wireless connection. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
-
-
10. A system for making payments by a user with a wireless terminal for items selected from a merchant, said system comprising:
-
a gateway server in wireless communication with said wireless terminal for providing the user access to said merchant via an HTTP connection;
an entity having stored financial information of the mobile user is securely connected to said gateway server and connected to said merchant via a secure transmission protocol; and
means for authenticating the user to the entity to provide payment to the merchant from the financial information. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 19, 20, 21, 22, 23)
-
-
18. A method of conducting payment for goods and services from a merchant with a wireless terminal using a payment system, wherein the system is characterized in that a gateway server is in communication with the wireless terminal and the merchant such that a query message from the merchant for payment is received by the gateway and sent to a Server Wallet entity that effects payment to the merchant, the method comprising the steps of:
-
establishing a secure connection between the wireless terminal and the gateway server;
sending the query message from the merchant which is received by the gateway;
forwarding the query message from the gateway to the Server Wallet entity;
authenticating a user of the wireless terminal to the Server Wallet entity by using authentication details originating from the user;
executing payment from the Server Wallet entity to the merchant; and
confirming the payment to the user.
-
Specification