Electronic transactions

• US 20020187772A1
• Filed: 02/26/2002
• Published: 12/12/2002
• Est. Priority Date: 03/02/2001
• Status: Active Grant

• Current Assignee: Nokia Technologies Oy (Nokia Corporation)
• Original Assignee: Nokia Corporation
• Inventors: Cofta, Piotr, Markkanen, Panu S., Piikivi, Lauri, Saukkonen, Topi, Hyyppa, Petri
• Granted Patent: US 7,885,686 B2
• Time in Patent Office: Days
• US Class Current: 455/411
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use

Abstract

A method of accomplishing a transaction by a user equipment. Transaction information is inserted in at least one data field of an information entity that associates with the transaction based on information available at the user equipment. The information entity is then transmitted from the user equipment over a wireless interface. The insertion may require authorisation. The insertion may occur automatically in response to a predefined event.

Claims

1. A method of accomplishing a transaction by user equipment, the method comprising:

insertion of transaction information in at least one data field of an information entity associated with the transaction based on information available at the user equipment; and

transmitting the information entity from the user equipment over a wireless interface.

2. A method as claimed in claim 1, comprising step of authorising said insertion of transaction information.

3. A method as claimed in claim 2, wherein the authorisation is based on unique identity code associated with the user equipment.

4. A method as claimed in claim 3, wherein the authorisation is based on one of the following means:

personal identity number (PIN);

Subscriber Identity Module (SIM);

Number Assignment Module (NAM);

Wireless Application Protocol (WAP) Identity Module (WIM);

a unique product code of the user equipment;

an international mobile subscriber identity (IMSI) code.

5. A method as claimed in claim 2, wherein the authorisation is accomplished at the user equipment.

6. A method as claimed in claim 2, wherein the authorisation is accomplished by a service provider.

7. A method as claimed in claim 1, wherein the user information insertion occurs automatically in response to a predefined event.

8. A method as claimed in claim 7, wherein the event comprises reception of the information entity.

9. A method as claimed in claim 1, wherein at least part of the transaction information to be inserted in the information entity is obtained from a storage means provided at the user equipment.

10. A method as claimed in claim 1, wherein at least part of the transaction information to be inserted in the information entity is obtained from another information entity available for the user equipment.

11. A method as claimed in claim 1, wherein the user gives a confirmation before said step of inserting information in the information entity.

12. A method as claimed in claim 1, wherein the information is inserted by transaction processing means of the user equipment.

13. A method as claimed in claim 1, wherein the user equipment inserts information in a data field of the information entity in a predefined manner.

14. A method as claimed in claim 1, wherein the information entity is filled in accordance with predefined instructions.

15. A method as claimed in claim 14, wherein the instructions define the information that is to be inserted in the information entity in response to an event.

16. A method as claimed in claim 1, wherein said information entity is transported by means of a standardised data entity.

17. A method as claimed in claim 16, wherein said data entity is based on the Electronic Commerce Modelling Language.

18. A method as claimed in claim 16, wherein said data entity is based on an electronic data card format.

19. A method as claimed in claim 18, wherein the electronic data card format comprises an electronic business card or an electronic calendar format.

20. A method as claimed in claim 1, wherein the user equipment communicates transaction information via an interface that is based on at least one of the following:

short message service (SMS);

wireless application protocol (WAP);

internet protocol (IP);

a short range radio link;

a proximity card type interface;

an infrared link.

21. A method as claimed in claim 20, wherein the user equipment receives the information entity via a first type of interface and returns the information entity via a second type of interface.

22. A method as claimed in claim 1, wherein the user equipment communicates with a base station of a cellular communication network.

24. A user equipment as claimed in claim 23, comprising storage means for storing the transaction information, wherein the processing means are adapted to fetch information from said storage means and to insert said information from the storage means into the information entity.

25. A user equipment as claimed in claim 23, wherein the processing means are adapted to obtain information from at least one other information entity and to insert said information from the at least one other information entity into said information entity that is the subject of the information insertion procedure.

26. A user equipment as claimed in claim 23, comprising authorisation means arranged to authorise said insertion of information.

28. A system as claimed in claim 27, wherein the processing means are provided at the user equipment.

29. A system as claimed in claim 27, wherein the processing means are provided at the co-operative device.

23. A user equipment comprising:

processing means for insertion transaction information available for the processing means in at least one data field of an information entity that associates with an electronic transaction; and

transmitter means for transmitting the information entity from the user equipment to a co-operative device over a wireless interface.

27. A transaction system comprising:

user equipment adapted to exchange transaction information with another party of a transaction;

storage means for storing information;

processing means for fetching information from the storage means and for insertion of the information in at least one data field of a data entity associated with said transaction; and

communication means for transmitting the data entity from the user equipment to a co-operative device over a wireless interface.