Method and network element for paying by a mobile terminal through a communication network

• US 20050080634A1
• Filed: 09/06/2001
• Published: 04/14/2005
• Est. Priority Date: 09/06/2001
• Status: Abandoned Application

• Current Assignee: Nokia Technologies Oy (Nokia Corporation)
• Original Assignee: Nokia Corporation
• Inventors: Lumme, Tapani, Liukkonen, Sirpa, Kanniainen, Liisa, Siniharju, Marti
• Application Number:
  US10/488,778
• Publication Number:
  US 20050080634A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices

Abstract

The present invention proposes a payment method for paying by a mobile terminal (1) through a communication network, the method comprising the steps of:—providing (S2) information on a transaction effected with a third party (2) using the mobile terminal (1),—judging (S4, S6), whether said information fulfills a predetermined criterion of a plurality of predetermined criteria, and—selecting (S5, S7, S8), dependent on the result of said judging step, a corresponding one out of a plurality of payment modes (8, 9, 10; Mode 1, Mode 2, Mode 3) for said transaction.

Claims

1. A payment method for paying by a mobile terminal through a communication network the method comprising the steps of:

providing information on a transaction effected with a third party (2) using the mobile terminal,

judging whether said information fulfills a predetermined criterion of a plurality of predetermined criteria, and

selecting dependent on the result of said judging step, a corresponding one out of a plurality of payment modes for said transaction.

2. A method according to claim 1, wherein said information on said transaction is cost information representing the costs accrued for said transaction.

3. A method according to claim 1 or 2, wherein said information on said transaction is indicative of a type of transaction.

4. A method according to claim 1, wherein according to the selected payment mode, said information on said transaction is transferred to a corresponding destination.

5. A method according to claim 4, wherein if said selected payment mode is selected for transactions involving payments that are less than a specific amount, the payment amount is added to a communication network operators bill for a user of the mobile terminal, and the information on said transaction is transferred to a billing server.

6. A method according to claim 4, wherein for a specific selected payment mode, said information on said transaction is accumulated for plural individual transactions before being transferred to said corresponding destination.

7. A method according to claim 4, wherein if said selected payment mode is selected for transactions involving payments that are equal or more than a first specific amount the said transaction is individually transferred to said corresponding destination.

8. A method according to claim 4, wherein for a specific selected payment mode, said information on said transaction is individually transferred to said corresponding destination.

9. A method according to claim 1, wherein said predetermined criterion is user specific, and said method further comprises a step of providing information about said predetermined criterion for a user.

10. A method according to claim 1, wherein the transaction comprises the steps of choosing, by the mobile terminal, a vending machine, disclosing, by the vending machine, a telephone number which a customer, by means of the mobile terminal, may dial for buying a good/service offered by said vending machine, and dialing said disclosed telephone number.

11. A network element adapted to carry out the method as defined in claim 1.

12. A method according to claim 1, wherein the transaction comprises further the steps of, as a result of the information transferred to a corresponding destination, a destination network element requests validity from a certificate agency server.

13. A method according to claim 1, wherein the transaction comprises further the steps of, as a result of the information transferred to a corresponding destination, a destination network element sends a validity request from a certificate agency server that is in connection to a corresponding network element via a network connection.

14. A method according to claim 1, wherein the transaction comprises further the steps of, as a result of the information transferred to a corresponding destination a control block of the corresponding destination makes the payment transaction and returns a receipt.

15. A method according to claim 12 or 13, wherein the a transaction comprises further the steps of, as a result of the information transferred to a corresponding destination a control block of the corresponding destination makes the payment transaction and prior to the payment the user'"'"'s signature is validated.

16. A method according to claims 12 to 14, wherein the transaction comprises further the steps of, after the payment transaction, a certificate validation or server returns a protection key of a digital product.

17. A method according to claims 12 to 14, wherein the transaction comprises further the steps of, after the payment transaction, a certificate validation and receipt of payment is given without a protection key of a digital product, and the protection key is requested from a product provider'"'"'s vending machine.

18. A method according to claim 17, wherein the transaction comprises further the steps of, after the protection key is requested from the product provider'"'"'s vending machines, it is returned to mobile terminal.

19. A method according to claim 1, wherein the transaction concerns a digital product comprising one of text, image, video and audio.

20. A method according to claim 1, wherein a receipt given as a result of made payment is stored in a payment server.

21. A method according to claim 1, wherein a receipt given as a result of made payment is stored in the mobile terminal.

22. A payment system which comprises:

a communication network,

wireless terminals available to communicate with the communication network, selling entities,

said communication network including identification information associated with service information of said wireless terminals, said service information describing a payment service identifier,

one of said wireless terminals buying in communication with the selling entities something to be paid,

wherein buying information from said one wireless terminal is transferred to the wireless network which selects a payment server depending on said service information of the one wireless terminal,

wherein payment is transferred with information of the buyer to the payment server having an external register including buyer information, the payment server charging the account of a user by his/her micropayment account.

23. A payment system as claimed in claim 22, wherein said service information includes an identifier of a bank.

24. A payment system as claimed in claim 22, wherein said service information includes a network address (IP address) of a payment server saved on a register of registered terminals.

25. A payment system as claimed in claim 22, wherein a the network address of the payment server is copied to other relevant registers of the network.

26. A payment system as claimed in claim 22, wherein there are one or more payment servers connected to the communication network.

27. A payment system as claimed in claim 22, wherein one payment server is a global server which has information to connect a wireless terminal user with his/her banking service provider and wherein said global server has means for linking an identifier of the user with the payment service identifier.

28. A payment system as claimed in claim 22, wherein a banking service provider has its own server for enabling the micropayment services to users separate from a bank account, and wherein transaction information is transferred and handled in the banking server.

29. A payment system as claimed in claim 22, wherein in said payment server the information of the buyer includes a mobile terminal identifier, service information and PKI information and micropayment account information.

30. A payment system as claimed in claim 22, wherein said service information includes information of a service provider in which the buyer has a bank account.

31. A payment system as claimed in claim 22, wherein said server includes information of parameters describing limits of usage of the account, charging practice, and bonus practice.

32. A payment system as claimed in claim 22, wherein the charging includes direct debiting, debiting based on the acceptance of the buyer, and debiting based on the predescribed message.

33. A payment system as claimed in claim 22, wherein the transaction information includes two parts from which one is a connection based charge and the other is a product payment relating charge.

34. A payment system as claimed in claim 22, wherein one of the selling entities is a vending machine.