Method and system for transmission of messages

• US 20030041026A1
• Filed: 08/02/2001
• Published: 02/27/2003
• Est. Priority Date: 02/09/1999
• Status: Abandoned Application

• Current Assignee: Petteri Heinonen, Sami Oinonen
• Original Assignee: Petteri Heinonen, Sami Oinonen
• Inventors: Oinonen, Sami, Heinonen, Petteri
• Application Number:
  US09/923,255
• Publication Number:
  US 20030041026A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A method and system for the transmission of payment messages in a telecommunication system that includes a smart card, a payment application on the smart card, a telecommunication connection and a payment server disposed in a telecommunication network and connected to the payment application. In the inventive method, a smart card client is disposed on the smart card, the payment application is connected to the smart card client, a smart card server is provided in the telecommunication network and is connected to the payment server, and the smart card client is connected to the smart card server via the telecommunication connection. The inventive system includes a smart card client disposed on the smart card and connected to the payment application, and a smart card server disposed in the telecommunication network and connected both to the payment server and, via the telecommunication connection, to the smart card client. The invention optimizes the exchange of messages between the payment application and the payment server in a manner appropriate for a mobile communication system.

Claims

1. In a method for transmission of payment messages in a system that includes a smart card, a payment application on the smart card, a telecommunication network, a smart card server in the telecommunication network, and a payment server in the telecommunication network and connected to the payment application via a telecommunication connection, and wherein a smart card client is disposed on the smart card and connected to the payment application, the payment server is connected to the smart card server, and the smart card client is connected to the smart card server via the telecommunication connection, the improvement comprising:

optimizing exchange of payment messages between the payment application and the payment server over an interface defined at least in part by the telecommunication connection between the smart card client and the smart card server by

storing in the smart card client a message, from the payment application, to be transmitted from the payment application to the payment server,

sending to the smart card server a first composite message comprised of at least one message intended for transmission over the telecommunication connection,

storing on the smart card server a message to be transmitted over the telecommunication connection from the payment server to the payment application, and

sending to the smart card client a second composite message comprised of at least one message intended for transmission over the telecommunication connection.

2. In a method in accordance with claim 1, further comprising the step of sending a response message from the smart card client to the payment application.

3. In a method in accordance with claim 2, wherein the response message is formed as a message from the payment server.

4. In a method in accordance with claim 2, wherein the response message is based on a message received by the smart card client from the smart card server over the telecommunication connection.

5. In a method in accordance with claim 1, further comprising the step of sending a response message from the smart card server to the payment server.

6. In a method in accordance with claim 5, wherein the response message is formed as a message sent by the payment application.

7. In a method in accordance with claim 5, wherein the response message is based on a message received by the smart card server from the smart card client over the telecommunication connection.

8. In a method in accordance with claim 1, further comprising the step of insuring operability of communication between the payment application and the payment server, by

initiating a payment application transaction with an intiating transmission of a payment message between the payment server and the payment application, and

after said initiating transmission, continuing transmission of payment messages via the smart card client and the smart card server.

9. In a method in accordance with claim 1, wherein communication via the telecommunication connection is implemented using short messages.

10. In a method in accordance with claim 1, wherein communication via the telecommunication connection is implemented using USSD protocol.

11. In a method in accordance with claim 1, wherein communication via the telecommunication connection is implemented using WAP protocol.

12. In a method in accordance with claim 1, wherein communication via the telecommunication connection is implemented using GPRS protocol.

13. In a system for transmission of payment messages that includes a smart card, a payment application on the smart card, a telecommunication network, a smart card server in the telecommunication network, and a payment server in the telecommunication network and connected to the payment application via a telecommunication connection, and wherein a smart card client is disposed on the smart card and connected to the payment application, the payment server is connected to the smart card server, and the smart card client is connected to the smart card server via the telecommunication connection, the improvement comprising:

means for optimizing exchange of payment messages between the payment application and the payment server over an interface defined at least in part by the telecommunication connection between the smart card client and the smart card server, said optimizing means comprising;

means for storing a message to be transmitted from the payment application to the payment server,

means for sending to the smart card server a first composite message comprised of at least one message,

means for storing a message to be transmitted over the telecommunication connection from the payment server to the payment application, and

means for sending to the smart card client a second composite message comprised of at least one message.

14. In a system in accordance with claim 13, wherein the smart card client comprises means for sending a response message to the payment application.

15. In a system in accordance with claim 14, wherein the smart card client comprises means for forming the response message as a message from the payment server.

16. In a system in accordance with claim 14, wherein the smart card client further comprises means for basing the response message on a message received by the smart card client from the smart card server over the telecommunication connection.

17. In a system in accordance with claim 14, wherein the smart card server comprises means for sending a response message to the payment server.

18. In a system in accordance with claim 17, wherein the smart card server comprises means for forming the response message as a message from the payment application.

19. In a system in accordance with claim 17, wherein the smart card server comprises means for basing the response message on a message received from the smart card client.

20. In a system in accordance with claim 13, further comprising:

means for initiating a payment application transaction with an initiating transmission of a payment message between the payment server and the payment application to insure operability of communication between the payment application and the payment server; and

means for continuing, after said initiating transmission, transmission of payment messages via the smart card client and the smart card server.

21. In a system in accordance with claim 13, wherein communication via the telecommunication connection is implemented using short messages.

22. In a method in accordance with claim 13, wherein communication via the telecommunication connection is implemented using USSD protocol.

23. In a method in accordance with claim 13, wherein communication via the telecommunication connection is implemented using WAP protocol.

24. In a method in accordance with claim 13, wherein communication via the telecommunication connection is implemented using GPRS protocol.