Payment apparatus and method
First Claim
1. Payment apparatus for use in authorised transactions, the apparatus comprising:
- i) at least one client device provided with an input for communicating with one or more mobile devices; and
ii) at least one server device for providing data and/or processes to support a transaction using the at least one client device, said transaction including verification of authorisation data;
wherein the at least one client device is adapted to receive a first part of the authorisation data via its input and the apparatus is adapted to store a second part of the authorisation data, and wherein the at least one server device is provided with a user data store adapted to store one or more sets of user-specific data for use in authorising transactions, and a user data maintenance process for storing and updating user data in the user data store.
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Accused Products
Abstract
A secure payment system for authorised point of sale transactions enables a user to pay electronically for goods using a handheld device such as a mobile phone (115). No confidential information need be held on the handheld device (115), all financial data being held within the payment system. A short-range wireless connection is provided to the handheld device (115) and the user has only to enter a PIN to initiate a transaction. The system includes a client device (100) and a server device (110). The server device (110) maintains user profiles which enables customisation, for example of transaction receipts and payment methods. Transaction receipts can be transmitted to a preselected location, for example by email or SMS, which provides an additional security check for the user.
100 Citations
37 Claims
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1. Payment apparatus for use in authorised transactions, the apparatus comprising:
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i) at least one client device provided with an input for communicating with one or more mobile devices; and
ii) at least one server device for providing data and/or processes to support a transaction using the at least one client device, said transaction including verification of authorisation data;
wherein the at least one client device is adapted to receive a first part of the authorisation data via its input and the apparatus is adapted to store a second part of the authorisation data, and wherein the at least one server device is provided with a user data store adapted to store one or more sets of user-specific data for use in authorising transactions, and a user data maintenance process for storing and updating user data in the user data store. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. Payment apparatus for use in authorised transactions, the apparatus comprising:
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i) at least one client device provided with an input for communicating with one or more mobile devices; and
ii) at least one server device for providing data and/or processes to support a transaction using the at least one client device, said transaction including verification of authorisation data;
wherein the at least one client device is adapted to receive a first part of the authorisation data via its input and the apparatus is adapted to store a second part of the authorisation data, the first part of the authorisation data comprising one of a personal identification number and a code specific to a personal identification number. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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26. Payment apparatus for use in authorised transactions, the apparatus comprising:
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i) at least one client device provided with an input for communicating with one or more mobile devices;
ii) at least one server device for providing data and/or processes to support a transaction using the at least one client device, said transaction comprising a transfer of funds between financial accounts and including verification of authorisation data; and
iii) update means for updating data representing a cash amount, wherein the at least one client device is adapted to receive a first part of the authorisation data via its input, the apparatus is adapted to store a second part of the authorisation data, and the apparatus is adapted to support a transaction comprising a transfer of funds at least in part by updating the data representing a cash amount. - View Dependent Claims (27, 28, 29, 30)
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31. A receipting system for use in a purchasing transaction, the system comprising:
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i) an input for receiving transaction information;
ii) a receipt generator for generating a receipt for a notified payment;
iii) a data store for storing network addresses; and
iv) an interface to a network for transmitting a generated receipt to a network address, wherein each transaction has an associated identifier and the data store stores network addresses in association with transaction identifiers such that each generated receipt can be transmitted to a network address associated with the transaction giving rise to the generated receipt. - View Dependent Claims (32, 33)
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34. A payment system for use in user transactions, each transaction giving rise to a price list for goods or services covered by the transaction, wherein each user has at least one associated identifier, the payment system comprising:
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i) a data store for storing user specific data in association with at least one of said identifiers; and
ii) a price list processor for processing a price list arising from a transaction, wherein the system further comprises an input for receiving identifiers and the price list processor is adapted to process a price list arising from a transaction by applying user specific data from the data store, the user specific data being associated with an identifier received in relation to said transaction. - View Dependent Claims (35)
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36. A method of authorising a transaction, which method comprises the steps of:
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i) receiving an identifier;
ii) using the identifier to locate a set of one or more authorisation codes for payment systems;
iii) receiving transaction information; and
iv) authorising the transaction information with a payment system by use of an authorisation code from said set.
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37. A method of providing a receipt in respect of a transaction, which method comprises the steps of:
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i) receiving transaction information from a communication device having an address in a public network;
ii) making a transaction in respect of goods or services;
iii) generating a receipt in respect of the transaction;
iv) transmitting the generated receipt to a communication device having a different address in a public network.
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Specification