Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, transaction terminal unit, extended function sim card, and methods for individualisation and performing transaction
First Claim
1. Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, in which clients (1) and service providers (2) exist, the clients keep a bank account at one or more issuing banks which are authorized to issue bank cards, and have a mobile bank card provided with a customary bank card identification information, a GSM mobile phone, and a valid SIM card for enabling access of the GSM services, the service providers keep a bank ac- count at one or more acquiring banks, and have a unit with a function of a transaction terminal, and a device adapted for receiving system messages, characterized in that said client (1) is provided with an extended function SIM card which comprises payment application and customary bank card identification information, said architecture comprises a mobile payment center (4) which is connected to the client and the service provider of an actual transaction through a bidirectional cryptographic inter-face and a communication channel of a first type provided by said GSM service provider, and is connected to bank card authorization center (s) (11) of an actual acquiring bank involved in said transaction through a bidirectional cryptographic interface and a communication channel of a second type, said mobile payment center (4) comprises at least one virtual POS terminal (5) as a transaction terminal unit for each service provider (2), said virtual POS terminal (5) is adapted to at least control data handled by POS terminals with conventional hardware which are used as transaction terminal units for reading bank cards, and/or to handle authorization message answer through communication channel of the second type.
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Accused Products
Abstract
Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, in which each client have an extended function SIM card containing payment utility and regular bank card identification information. A mobil pay center (4) is connecting to the client and the service provider (2) of the actual transaction through a bidirectional cryptographic interface and a communication chanel of the first type, and is connecting to one or more bank card authorisation center (11) of the actual transaction through a bidirectional cryptographic interface and a communication chanel of the second type. The mobil pay center (4) is comprising at least one virtual POS terminal (5) for each service provider (2). The virtual POS terminal (5) handle authorisation messages received through communication chanel of the second type.
101 Citations
19 Claims
- 1. Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, in which clients (1) and service providers (2) exist, the clients keep a bank account at one or more issuing banks which are authorized to issue bank cards, and have a mobile bank card provided with a customary bank card identification information, a GSM mobile phone, and a valid SIM card for enabling access of the GSM services, the service providers keep a bank ac- count at one or more acquiring banks, and have a unit with a function of a transaction terminal, and a device adapted for receiving system messages, characterized in that said client (1) is provided with an extended function SIM card which comprises payment application and customary bank card identification information, said architecture comprises a mobile payment center (4) which is connected to the client and the service provider of an actual transaction through a bidirectional cryptographic inter-face and a communication channel of a first type provided by said GSM service provider, and is connected to bank card authorization center (s) (11) of an actual acquiring bank involved in said transaction through a bidirectional cryptographic interface and a communication channel of a second type, said mobile payment center (4) comprises at least one virtual POS terminal (5) as a transaction terminal unit for each service provider (2), said virtual POS terminal (5) is adapted to at least control data handled by POS terminals with conventional hardware which are used as transaction terminal units for reading bank cards, and/or to handle authorization message answer through communication channel of the second type.
- 8. Transaction terminal unit for data verification of a bank card and/or handling of an authorization message received through a communication channel, the transaction terminal is installed in an architecture of simplified hardware requirements for performing financial transactions in a large group of clients, in which clients (1) and service providers (2) exist, said clients keep a bank account at one or more issuing banks which are authorized to issue bank cards, and have a mobile bank card pro- vided with a customary bank card identification information, a GSM mobile phone, and a valid SIM card for enabling access of the GSM services, said service providers keep a bank account at one or more acquiring banks, and have a unit functioning as a transaction terminal and a device adapted for receiving system messages, characterized in that said transaction terminal unit is a virtual POS terminal (5) established in a computer being in a mobile payment center (4) which is separate from the acquiring bank, the issuing bank, the client (1) and the service provider (2) involved in the actual transaction, said virtual POS terminal is connected to the client (1) of the actual transaction through a bidirectional cryptographic interface and a communication channel of a first type provided by the GSM service provider, and is connected to the issuing and acquiring bank involved in said transaction through a communication channel of a second type.
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12. Extended function SIM card for a GSM mobile telephone of a subscriber, which in addition to a memory required for functions to make GSM services available, comprises a separate second memory for storing additional data, and a control unit (CPU) adapted for at least performing logical operations characterized in that the second memory is adapted to store at least all of the bank card information customarily needed, and further, said extended function SIM card comprises a bidirectional cryptographic interface separated from the GSM major function.
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13. Method for personalization of an extended function SIM card used in a GSM mobile telephone of a subscriber, wherein the SIM card in addition to a memory required for functions to make GSM services available, comprises a separate second memory for storing additional data, and a control unit (CPU) adapted for at least performing logical operations, the second memory has a preformatted file structure, characterized in that an extended function SIM card activated by a GSM service provider earlier, is provided with bank card information in said second memory, said in- formation is encrypted through a cryptographic interface in a mobile payment center (4) which is separate from said GSM service provider.
Specification