System and Method for Transaction Payment in Multiple Languages and Currencies

• US 20080275819A1
• Filed: 12/30/2004
• Published: 11/06/2008
• Est. Priority Date: 10/15/2004
• Status: Abandoned Application

• Current Assignee: Paul Rifai
• Original Assignee: Paul Rifai
• Inventors: Rifai, Paul
• Application Number:
  US11/912,075
• Publication Number:
  US 20080275819A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07B 15/02 taking into account a variable factor such as distance or time, e.g. for passenger transport, parking systems or car rental systems G07B15/06 takes precedence; taximeters G07B13/00; parking meters per se G07F17/24; car rental systems per se G07B15/00
• CPC Class Codes: G07B 15/063 using wireless information transmission between the vehicle and a fixed station identification of vehicles G08G

Abstract

The invention relates to a method and system for transaction payment wherein user identification data from an identification module (100) are transmitted to a central dispatch module (107) over a first communication channel (101), wherein the user is identified in a database (103) based on the user identification data, wherein the transaction data are sent to processing module (105/106), wherein the central dispatch module (107) compares the received user identification data with the user identification data stored in the authentication database (103) and authenticates a user by means of the central dispatch module (107) if the probability of match of the received user identification and stored user identification data is above a predefined threshold, wherein the central dispatch module (107) retrieves one or more personal data records corresponding to the authenticated user from the database (103) based on the user identification data and the authentication data and modifies at least one personal data record of the user based on the time and/or place and/or mode of the data retrieval, wherein the central dispatch module (107) transmits one or more personal data records of the user to at least one corresponding processing module (105/106) based on the personal data records of the user, and wherein a confirmation of the transaction is sent to the user over a second communication channel (108).

Claims

1. A method for transaction payment where user identification data are transmitted to a central dispatch module (107) over a first communication channel (101), where the user is identified in a databank (103) based on the user identification data, and where the transaction data are sent to a processing module (105/106), and where a confirmation of the transaction is sent to the user over a second communication channel (108), characterised in that

service identification data are transmitted to a central dispatch module (107) with the user identification data over the first communication channel (101),

the central dispatch module (107) compares the received user identification data with the user identification data stored in the authentication databank (103), and that a user is authenticated by means of the central dispatch module (107) if the probability of match of the received user identification and stored user identification data is above a predefined threshold,

after a successful authentication, the central dispatch module (107) retrieves one or more personal data records corresponding to the user from the databank (103) based on the user identification data and the service identification data, and modifies at least one personal data record of the user based on the time and/or place and/or mode of the data retrieval, and

the central dispatch module (107) transmits one or more personal data records of the user to at least one processing module (105/106) based on the service identification data and personal data records of the user.

2. The method for transaction payment according to claim 1, characterised in that the user identification data is stored in an identification module (100).

3. The method for transaction payment according to claim 2, characterised in that the identification module (100) is an RFID tag and/or a bubble tag and/or a SIM-card and/or a smart card with biometric information and/or a car plate.

4. The method for transaction payment according to any one of the claims 1 to 3, characterised in that the user identification data comprises voice and/or image data.

5. The method for transaction payment according to any one of the claims 1 to 4, characterised in that the first communication channel (101) is a GSM and/or GPRS and/or EDGE and/or UMTS and/or W-CDMA and/or SCDMA and/or WLAN and/or Bluetooth and/or DECT and/or satellite and/or GPS-and/or private radio network.

6. The method for transaction payment according to any one of the claims 1 to 5, characterised in that the personal data records of the user comprise image information.

7. The method for transaction payment according to any one of the claims 1 to 6, characterised in that the confirmation of the transaction is sent to a mobile communication device (109) of the user.

8. The method for transaction payment according to any one of the claims 1 to 7, characterised in that the confirmation of the transaction has a limited time validity.

9. The method for transaction payment according to any one of the claims 1 to 8, characterised in that the user validates the confirmation of the transaction through a personal identification code.

10. The method for transaction payment according to any one of the claims 1 to 9, characterised in that the central dispatch module (107) is implemented in a mobile device.

11. The method for transaction payment according to any one of the claims 1 to 10, characterised in that the processing modules (105/106) are redundant.

12. The method for transaction payment according to any one of the claims 1 to 11, characterised in that the underlying components of the system (210, . . . , 215) are organised in a ring and/or star architecture.

13. A system for transaction payment comprising means for transmitting user identification data to a central dispatch module (107) over a first communication channel (101), a databank (103) for identifying the user based on the user identification data, means (104) for transmitting the transaction data to a processing module (105/106), and means for sending a confirmation of the transaction to the user over a second communication channel (108), characterised in that it further comprises

means (100) for transmitting service identification data with the user identification data to a central dispatch module (107),

means (102) for comparing the received user identification data with the user identification data stored in the authentication databank (103), where a user is authenticated by means of the central dispatch module (107) if the probability of match of the received user identification and stored user identification data is above a predefined threshold,

means (102) for retrieving one or more personal data records corresponding to the authenticated user from the databank (103) based on the user identification data and the service identification data and modifying at least one personal data record of the user based on the time and/or place and/or mode of the data retrieval,

means (104) for transmitting one or more personal data records of the user from the central dispatch module (107) to at least one processing module (105/106) based on the service identification data and the personal data records of the user.

14. The system for transaction payment according to claim 13, characterised in that the system further comprises an identification module (100) for storing identification data of the user.

15. The system for transaction payment according to claim 14, characterised in that the identification module (100) is an RFID tag and/or a bubble tag and/or a SIM-card and/or a smart card with biometric information and/or a car plate.

16. The system for transaction payment according to any one of the claims 13 to 15, characterised in that the user identification data comprises voice and/or image data.

17. The system for transaction payment according to any one of the claims 13 to 16, characterised in that the first communication channel (101) is a GSM and/or GPRS and/or EDGE and/or UMTS and/or W-CDMA and/or SCDMA and/or WLAN and/or Bluetooth and/or DECT and/or satellite and/or GPS and/or private radio network.

18. The system for transaction payment according to any one of the claims 13 to 17, characterised in that the personal data records of the user comprise image information.

19. The system for transaction payment according to any one of the claims 13 to 18, characterised in that the confirmation of the transaction is sent to a mobile communication device 109 of the user.

20. The system for transaction payment according to any one of the claims 13 to 19, characterised in that the confirmation of the transaction has a limited time validity.

21. The system for transaction payment according to any one of the claims 13 to 20, characterised in that the user validates the confirmation of the transaction through a personal identification code.

22. The system for transaction payment according to any one of the claims 13 to 21, characterised in that the central dispatch module (107) is implemented in a mobile device.

23. The system for transaction payment according to any one of the claims 13 to 22, characterised in that the processing modules (105/106) are redundant.

24. The system for transaction payment according to any one of the claims 13 to 23, characterised in that the underlying components of the system (210, . . . , 215) are organised in a ring and/or star architecture.