System facilitating a purchase transaction over a wireless network

• US 20040158534A1
• Filed: 02/17/2004
• Published: 08/12/2004
• Est. Priority Date: 02/24/2003
• Status: Abandoned Application

• Current Assignee: Bahram Seyed Zahir Azami, Mohammad M. Tanabian
• Original Assignee: Bahram Seyed Zahir Azami, Mohammad M. Tanabian
• Inventors: Zahir Azami, Bahram Seyed, Tanabian, Mohammad M.
• Application Number:
  US10/778,028
• Publication Number:
  US 20040158534A1
• Time in Patent Office: Days
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

Discloses a system for a consumer to make an electronic payment at a vendor site VS 110, such as a vending machine, parking meter, and the like using the consumer'"'"'s mobile user equipment UE 150, i.e., mobile phone or connected PDA. The vendor site can be attended or unattended but does not require direct connectivity of the VS 110 to a service center SC 170 to make the payment. Payment is made based on a unique code provided to the consumer at the vendor site, referred to as a transaction identification code (TID). The transaction identification code is supplied to the service center, which responds with a unique authorizing confirmation code by exchange of messages over the communications network of the user equipment UE 150. Security and data integrity is provided by means of message encryption and CRC methods. Message encryption provides transaction security over the wireless network. Suitable encryption is based on the order synchronized code, an initialization vector and key distribution system or other encryption mechanism to maintain security and integrity of the transaction. An option to support operation of the system in multiple languages is provided. The user or consumer billing and vendor payment steps necessary to complete the financial settlement of the purchase transaction is supported by a billing proxy, which can effect settlement by the user'"'"'s wireless carrier or through an independent billing service provider.

Claims

1. A method for authorizing a purchase transaction, the method comprising the steps of:

i. producing a unique transaction identification code;

ii. receiving a confirmation code from the service center; and

iii. authorizing a transaction when the received confirmation code corresponds to the unique transaction identification code.

2. The method of claim 1 wherein the unique transaction identification code is produced in response to a selection request.

3. The method of claim 1 wherein the unique transaction code is encrypted by a pseudo random number generator.

4. The method of claim 3 wherein the pseudo random number generator is supplied with a selected seed number to start the sequence of pseudo random numbers.

5. A method for completion of a purchase transaction over a wireless network, the method comprising the steps of:

i. receiving a transaction identification code;

ii. establishing a connection to a service center from a mobile wireless network device over a wireless network;

iii. using the connection to provide the transaction identification code to said service center;

iv. receiving a unique confirmation code from the service center; and

v. supplying the confirmation code to a vendor as payment on a transaction.

6. The method of claim 5 further including the step of encrypting the transaction identification code after receiving it.

7. The method of claim 5 wherein the step of receiving a transaction identification code is performed in response to a selection request.

8. The method of claim 5 wherein the step of receiving a transaction identification code is performed over a wireless communication link.

9. The method of claim 8 wherein the wireless communication link is selected from one of:

i. a Bluetooth protocol link;

ii. a local area network;

or

iii. an infrared link.

10. A method for validating a purchase transaction comprising the steps of:

i. receiving a transaction identification code (TID);

ii. decoding the TID;

iii. producing an order synchronized code (OSC) based on the step of decoding the TID;

iv. comparing the produced OSC to the decoded TID; and

v. producing a transaction validation on a successful comparison step.

11. The method of claim 10 further including the step of producing a confirmation identification code for a successful transaction validation.

12. The method of claim 10 further including the step of decrypting the TID.

13. The method of claim 10 further including the step of decoding the TID to produce a vendor station identification and wherein the step of producing an OSC is based on a vendor station identification.

14. The method of claims 10 wherein the OSC is produced by a pseudo random number generator.

15. The method of claim 14 wherein the pseudo random number generator is supplied with a selected seed number to start the sequence of pseudo random numbers.

16. The method of claim 10 further including the steps of:

i. decoding the TID to obtain a payment request amount;

ii. obtaining customer identification data;

iii. producing a payment authorization request from customer identification data and the payment request amount;

iv. supplying the payment authorization request to a billing proxy; and

v. receiving a payment authorization response from the billing proxy.

17. The method of claim 16 wherein the step of obtaining customer identification data is performed by obtaining the customer identification data from the caller id of the user equipment;

18. The method of claim 16 further including the step of producing a confirmation identification code (CID) on receipt of a said payment authorization response from the billing proxy.

19. The method of claim 16 further including the steps of:

i. decoding the TID to produce a vendor identification; and

ii. supplying the vendor identification to the billing proxy.

20. The method of claim 19 further including the step of producing a confirmation identification code (CID) on receipt of a said payment authorization response from the billing proxy.

21. The method of claim 10 further including the steps of:

i. decoding the TID to produce product dispenser inventory information; and

ii. supplying the inventory information to a vending operator system.