Integration of credit card into mobile terminal

• US 20050216728A1
• Filed: 03/26/2004
• Published: 09/29/2005
• Est. Priority Date: 03/26/2004
• Status: Abandoned Application

• Current Assignee: Avago Technologies General IP PTE Limited (Broadcom, Inc.)
• Original Assignee: Avago Technologies General IP PTE Limited (Broadcom, Inc.)
• Inventors: Khare, Rajendra, Mishra, Brajabandhu, Relan, Sandeep
• Application Number:
  US10/810,875
• Publication Number:
  US 20050216728A1
• Time in Patent Office: Days
• US Class Current: 713/153
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/80 Wireless network architectures or network communication protocols for wireless network security H04W12/00
• CPC Class Codes: H04L 63/0428 wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 9/3215 using a plurality of channels network architectures or network communication protocols using different networks H04L63/18

Abstract

Presented herein are systems and methods for integrating credit cards into mobile terminals. A mobile terminal comprises a secured non-volatile memory, a keypad, and an output. The non-volatile memory stores credit card account information. The keypad provides inputs. The output provides the credit card account information after the keypad provides a certain input.

Claims

1. A mobile terminal comprising:

a non-volatile memory for storing information for one or more accounts;

a control panel for providing inputs;

an output for providing the account information after the control panel provides a certain input.

2. The mobile terminal of claim 1, wherein the output comprises a transceiver.

3. The mobile terminal of claim 1, wherein the information stored in the non-volatile memory is encrypted.

4. The mobile terminal of claim 1, wherein the output comprises an interface port.

5. The mobile terminal of claim 4, wherein the interface port comprises an infra-red signal transmitter.

6. The mobile terminal of claim 4, wherein the interface port comprises a transmitter for any standard point-to-point communication protocol.

7. The mobile terminal of claim 1 further comprises wherein the non-volatile memory stores a plurality of instructions, said plurality of instructions for:

receiving a command and the information for the one or more accounts; and

storing the information for the one or more accounts after receiving the command; and

wherein the mobile terminal further comprises a controller for executing the instructions.

8. The mobile terminal of claim 7, wherein the command and the information for the one or more accounts are received during a phone call.

9. The mobile terminal of claim 7, wherein the command and the information for the one or more accounts is received over a paging channel.

10. The mobile terminal of claim 9, wherein the paging channel is a secure paging channel.

11. The mobile terminal of claim 1, wherein the mobile terminal is operable to provide the information about the one or more accounts, responsive to a request over a secure paging channel.

12. A method for providing credit, said method comprising:

receiving an application for an account and an identifier identifying a mobile terminal;

establishing an account; and

transmitting information about the account to the mobile terminal identified by the identifier.

13. The method of claim 12, wherein the identifier comprises a phone number.

14. The method of claim 12, wherein the identifier comprises a MAC address.

15. The method of claim 12, wherein transmitting the information about the account to the mobile terminal comprises:

placing an outgoing phone call to the mobile terminal.

16. The method of claim 12, wherein transmitting the information about the account to the mobile terminal comprises:

transmitting the information about the credit card account over a paging channel.

17. The method of claim 16, wherein the paging channel is a secure paging channel.

18. The method of claim 17, wherein the paging channel is secured with Public Key Cryptography.

19. The method of claim 12, wherein the identifier comprises a packet network address.

20. The method of claim 19, wherein transmitting the information about the account further comprises:

addressing the information about the account to the packet network address.

21. The method of claim 20, further comprising:

transmitting a graphical user interface for display on the mobile terminal.

22. The method of claim 12, wherein the said method also comprises of storing transaction history and account status.

23. A server for providing credit, said server comprising:

memory for storing a plurality of executable instructions, said plurality of executable instructions for;

receiving an application for an account and an identifier identifying a mobile terminal;

establishing an account; and

transmitting information about the account to the mobile terminal identified by the identifier; and

a processor for executing the plurality of executable instructions.

24. The server of claim 23, wherein the identifier comprises a phone number.

25. The server of claim 23, wherein the identifier comprises a MAC address.

26. The server of claim 23, wherein the identifier comprises a packet network address.

27. The server of claim 23, wherein transmitting the information about the account to the mobile terminal comprises:

placing an outgoing phone call to the mobile terminal.

28. The server of claim 23, wherein the identifier comprises a packet network address, and wherein transmitting the information about the credit card account further comprises:

addressing the information about the credit card account to the packet network address.

29. The server of claim 23, wherein the plurality of instructions define a graphical user interface for display on the mobile terminal.