Method of payment

• US 20040039709A1
• Filed: 01/22/2003
• Published: 02/26/2004
• Est. Priority Date: 01/23/2002
• Status: Abandoned Application

• Current Assignee: Nokia Solutions and Networks US LLC (Nokia Corporation)
• Original Assignee: Nokia Solutions and Networks US LLC (Nokia Corporation)
• Inventors: Pirhonen, Petri, Hyyppa, Petri
• Application Number:
  US10/348,709
• Publication Number:
  US 20040039709A1
• Time in Patent Office: Days
• US Class Current: 705/72
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

The invention provides a method for facilitating payments in a mobile device comprising providing the mobile device with a payment certificate. The payment certificate comprises identification information relating to the mobile device.

Claims

1. A method for facilitating payments in a mobile device comprising providing the mobile device with a payment certificate, said payment certificate comprising identification information relating to said mobile device.

2. A method as claimed in claim 1, wherein said certificate is provided by any one of a:

credit agency;

bank; and

service provider.

3. A method as claimed in claim 1, wherein said identification information comprises one or more of the following:

Bluetooth identity, dialling number, device public key, international mobile station equipment identity.

4. A method as claimed in claim 1, wherein said certificate is only valid for a predetermined time.

5. A method as claimed in claim 4, wherein said certificate comprises information identifying said predetermined time.

6. A method as claimed in claim 1, comprising the step of transmitting said certificate to a third party.

7. A method as claimed in claim 6, comprising the step of transmitting said identification information as well as said certificate to said third party.

8. A method as claimed in claim 7, wherein said identification information is sent to said third party when a connection is set up between said third party and the device.

9. A method as claimed in claim 6, comprising the step of transmitting a PIN code to said third party.

10. A method as claimed in claim 9, wherein said PIN code is derived from at least one piece of information contained in said certificate.

11. A method as claimed in claim 6, wherein the third party is arranged to validate the certificate.

12. A method as claimed in claim 7, wherein the third party is arranged to validate the certificate and wherein said certificate is validated by comparing the identification contained in said certificate with the identification information.

13. A method as claimed in claim 11, comprising the step of transmitting a PIN code to said third party and wherein said certificate is validated by comparing the identification contained in said certificate with the identification information and wherein said certificate is validated by the third party comparing the received PIN code with a PIN code generated by the third party.

14. A method as claimed in claim 13, wherein the PIN code generated by the third party uses information contained in said certificate.

15. A method as claimed in claim 6, wherein said third party comprises a vending machine or point of sale terminal.

17. A method as claimed in claim 1, wherein said mobile device is a mobile telephone.

16. A method for facilitating payments in a mobile device comprising providing the mobile device with a payment certificate said payment certificate containing information relating to said mobile device.

18. A payment system comprising a mobile device and a sale device, said mobile device and said sale device comprising means for establishing a connection therebetween, said mobile device being arranged to store a payment certificate comprising identification information relating to said device, said payment certificate being sent in use to said sale device, said sale device comprising means for validating the certificate and means for authorising a payment in dependence on the results of said validation by said validation means.

19. A mobile device for making a payment, said device comprising storage means, said storage means storing a payment certificate comprising information identifying said device.

20. A device as claimed in claim 19, wherein said certificate further comprises the time for which the information is valid.

21. A device as claimed in claim 19, wherein said identity information comprises at least one of the following:

Bluetooth identity, dialling number, device public key, international mobile station equipment identity.

22. A device as claimed in claim 19, wherein said device has connection means for receiving said payment certificate.

23. A device as claimed in claim 19, wherein said mobile device is a mobile telephone.