Mobile telephone system and method for carrying out financial transactions using a mobile telephone system

• US 6,169,890 B1
• Filed: 10/12/1995
• Issued: 01/02/2001
• Est. Priority Date: 11/11/1992
• Status: Expired due to Term

• Current Assignee: Sonera OY
• Original Assignee: Sonera Smarttrust OY
• Inventors: Vatanen, Harri Tapani
• Primary Examiner(s): Bost, Dwayne D.
• Assistant Examiner(s): MAUNG, NAY AUNG
• Application Number:
  US08/436,328
• Time in Patent Office: 1,909 Days
• Field of Search: 379/58, 379/59, 379/62, 379/114, 379/130, 379/144, 379/357, 455/33.1, 455/403, 455/406-409, 455/410, 455/411, 455/558, 235/380, 380/247, 380/248, 380/271
• US Class Current: 455/406
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3263 characterised by activation or deactivation of payment capabilities
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G07F 17/0014 for vending, access and use of specific services not covered anywhere else in G07F17/00 meter-controlled dispensing of liquid, gas or electricity G07F15/00
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 17/02 Coin-freed or check-freed systems , e.g. mobile- or card-operated phones, public telephones or booths
• CPC Class Codes: H04M 2215/0196 Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking

Abstract

A method and apparatus for effecting user-initiated communications, such as payment transactions, between user-accessible data terminal equipment communicatingly linkable with a mobile telephone exchange and at least one service provider, wherein each user or subscriber has a service card that is uniquely associated with that system subscriber, preferably employs a dedicated network to which the mobile exchange is connected at one end of the network and the service provider is connected at another end. The user'"'"'s identity is locally authenticated before a communications connection through the network is provided, and user access rights to particular services of the service provider are determined in a database at the service provider end of the network. The invention is particularly well suited to the use of a SIM-card in a GSM-network to provide secure communications in an environment demanding high data security.

Claims

1. A method for using telecommunications services to carry out financial transactions by a mobile telephone system comprising

a mobile telephone exchange for coupling connections;

a data terminal equipment (1) comprising a service card (2) which contains an intellegence part;

a desired service provider (13); and

an authentication center (5), the method comprising of

requesting entry of a personal identity code of a user;

accepting entry of the personal identity code of the user to the data terminal equipment (1);

verifying validity of the personal identity code;

establishing a connection between the mobile telephone exchange and the data terminal equipment (1);

in response to the valid personal identity code;

authenticating the user of the mobile telephone system in the authentication center (5) by means of the personal identity code and data from the intelligence part of the service card by performing the steps of;

authenticating the user locally in te authentication center (5) to verify his rights to use the service of the desired service provider (13);

connecting the user to the desired service provider (13) via dedicated network (6), whereby the connection between the data terminal equipment (1) and the desired service provider (13) is a secure connection.

2. A method according to claim 1, wherein the mobile telephone system is a Global System for Mobil Communication (GSM)-type mobile telephone system with service-card-controlled mobile teminals, and wherein the service card contains a Subscriber Identity Module (SIM) unit for the GSM-type network, which has in authentication applications been initialized to demand entry of the user'"'"'s identification by Personal Identity Number (PIN) associated with the service card.

3. A method according to claim 2, wherein in applications deemed to required high data security, the connections established in the GSM-type-network are transmitted from the mobile telephone exchange (4) to the dedicated network (6), thereby preventing misuse.

4. A method according to claim 1, 2 or 3 wherein in the said connections established from the mobile telephone exchange (4) via the dedicated network (6) to the service provider (13), after the said local user authentication a subscription number associated with the the calling subscription (A-number) identity is utilized to check the user'"'"'s rights to use the service.

5. A method according to claim 1, 2, 3 or 4, wherein in the mobile telephone exchange a call to a predetermined number is transmitted to the dedicated network (6) according to a register contained in the mobile telephone exchange.

6. A method according to claim 1, 2, 3, 4 or 5, wherein from a private network there is provided a connection via a service switching point and a service control point to predetermined user services according to registration in a service database administered by an operator to connect user to desired services.

7. A method of making payment by a terminal equipment of a mobile telephone exchange of a global System for Mobile Communication (GSM) type mobile telephone network, the said terminal equiment having a SIM card associated with it enabling user'"'"'s calls,

the method comprising the steps of:

establishing a connection from the terminal equipment to the mobile telephone network;

providing an access to service provider'"'"'s services via said connection;

reading from the SIM card user-identifying data;

reserving the terminal equipment based on the user-identifing data;

entering a card identifying number into the terminal equipment,

authenticating the user according to the user-identifying data and the card identifying number;

connecting the terminal equipment to the GSM network;

calling a service provider'"'"'s payment system;

forming a connection with the service provider'"'"'s payment system;

giving an amount to be paid,

confirming the amount;

approving the payment;

assigning a payment identifying number and producing a receipt of the transaction in the service provider'"'"'s terminal; and

in the service provider'"'"'s payment system, charging telephone connection time and cutting off connection.

8. A method according to claim 7, comprising:

checking the user'"'"'s right of use in service providers terminal;

checking an amount to be paid by the card; and

acknowledging to the user receipt of the payment.

9. A method according to claim 7, wherein a subscription of calling subscription (an A-number) identity corresponds to an account number.