Wireless telephone debit card system and method

• US 6,290,127 B1
• Filed: 09/28/2000
• Issued: 09/18/2001
• Est. Priority Date: 10/06/1992
• Status: Expired due to Fees

• Current Assignee: Interdigital Technology Corporation (InterDigital, Inc.)
• Original Assignee: Interdigital Technology Corporation (InterDigital, Inc.)
• Inventors: Schilling, Donald L.
• Primary Examiner(s): Frech, Karl D.
• Assistant Examiner(s): FRANKLIN, JAMARA ALZAIDA
• Application Number:
  US09/671,917
• Time in Patent Office: 355 Days
• Field of Search: 235/380, 235/375, 235/382, 235/382.5
• US Class Current: 235/382.5
• CPC Class Codes: G06K 17/0022 arrangements or provisious for transferring data to distant stations, e.g. from a sensing device "transfer between computer elements G06F13/00 "; data-transmission H04L
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• 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 15/715 Activating new subscriber or card
• CPC Class Codes: H04M 15/8353 during the communication
• CPC Class Codes: H04M 15/842 Announcement, e.g. IVR dialogue
• CPC Class Codes: H04M 15/852 Low balance or limit reached
• CPC Class Codes: H04M 17/00 Prepayment of wireline communication systems, wireless communication systems or telephone systems using a coded card to authorise calls from a telephone set H04M1/675
• 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 17/103 using SIMs (USIMs) or calling cards
• CPC Class Codes: H04M 17/106 using commercial credit or debit cards
• CPC Class Codes: H04M 17/20 with provision for recharging the prepaid account or card, or for credit establishment
• CPC Class Codes: H04M 2017/12 using calling, telephone credit/debit cards
• CPC Class Codes: H04M 2017/14 using commercial credit/debit cards, e.g. VISA, AMEX
• CPC Class Codes: H04M 2017/2518 : from material card, using a magnetic stripe card
• CPC Class Codes: H04M 2017/255 : local at the terminal itself
• 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
• CPC Class Codes: H04M 2215/2026 : Wireless network, e.g. GSM, PCS, TACS
• CPC Class Codes: H04M 2215/32 : Involving wireless systems
• CPC Class Codes: H04M 2215/7027 : Activate new subscriber or card
• CPC Class Codes: H04M 2215/8112 : during the communication
• CPC Class Codes: H04M 2215/8133 : Announcement, e.g. IVR dialogue, intelligent peripheral or switch
• CPC Class Codes: H04M 2215/8158 : Low balance or limit reached
• CPC Class Codes: H04M 2250/14 : including a card reading device
• CPC Class Codes: H04W 4/24 : Accounting or billing
• CPC Class Codes: H04W 88/02 : Terminal devices

Abstract

A wireless debit card communications system comprising a radio unit, a base station, and an end station. The radio unit, for example, a radio telephone, includes a first processor, a reader for reading a credit amount and a personal access number from a debit card, and a transceiver for communicating, using radio waves, a credit signal. The base station receives and relays the credit signal over a communications channel to the end station. The end station includes a switch to generate a first control signal to allocate the credit amount of the debit card to the radio unit, and to set a radio unit access number of the radio unit to the personal access number of the debit card with a communications path through the base station. The end station also generates a second control signal for changing the credit amount and the personal access number of the debit card. The base station may be connected to a debit meter. The radio unit and the debit meter respond to the second control signal to change the credit amount and the personal access number using magnetic writers or writer processors to store an updated credit amount and personal access number on a magnetic strip on a debit card or on a chip on the debit card as the debit card is used in the radio unit. The personal access number may be used as a telephone number of the radio unit.

Claims

1. A wireless debit card system comprising:

at least one radio unit, each radio unit including;

means for detecting the accessibility of a detachable readable-writeable debit card device storing credit information including credit amount and a personal access number;

means for updating said stored credit information of said debit card device;

means for identifying said radio unit with a unique fixed radio unit access number;

means for communicating with other base stations using said fixed radio unit access number as identification only,

if said debit card device is accessible, means for communicating with at least a base station that requires both said fixed radio unit access number and said personal access number as identification; and

said base station including;

means for receiving incoming information from at least one of said radio units;

means for updating of a base station database based on said fixed radio unit access number, said personal access number and said credit amount;

means for processing to produce a second credit information; and

means for transmitting said second credit information to said radio unit device.

2. The wireless debit card system of claim 1 wherein means for receiving information from and means for transmitting information to said radio unit using radio waves over broadcast channel frequencies.

3. The wireless debit card system of claim 1 wherein means for updating of the base station database uses a debit meter.

4. The wireless debit card system of claim 1 each said radio unit further comprising a memory associated with means for updating said stored credit information for storing the read credit amount and personal access number.

5. The wireless debit card system of claim 1 wherein means for updating the credit information includes means for reading both the credit amount and the personal access number of said card device, and means for writing information back to said debit card device in response to said second credit information.

6. The wireless debit card system of claim 1 wherein each radio unit includes a radio telephone.

7. The wireless debit card system of claim 6 wherein:

said credit card device includes a magnetic strip;

means for reading of each radio telephone is a magnetic reader for reading the credit amount and the personal access number from the magnetic strip; and

means for writing of each radio telephone is a magnetic writer for rewriting the magnetic strip.

8. The wireless debit card system of claim 6 wherein:

said debit card device includes a chip having a memory;

means for reading of each radio telephone is a reader processor for reading the credit amount and the personal access number for the memory of the chip; and

means for writing of each radio telephone is a writer processor for rewriting the memory of the chip.

9. A radio unit for use in a wireless debit card system having at least one base station for transmitting control signals in response to received credit information, said radio unit including:

means for reading a credit amount and a personal access number from a debit card device;

a transceiver and associated antenna for receiving communications directed to selected access numbers including a fixed radio unit access number unique to said radio unit and for communicating, using radio waves, a first credit information that includes a base station;

means for verifying information received from said base station which include said fixed radio unit access numbers for said radio unit and the personal access number and credit amount for said debit card device; and

means for writing the credit amount of said debit card device in response to a second credit information received from a base station.

10. The radio unit of claim 9 further comprising a memory associated with said controller and operatively coupled to said means for reading for storing the read credit amount and personal access number.

11. The radio unit of claim 9 wherein said means for writing both the credit amount and the personal access number of said debit card device in response to said second credit information.

12. The radio unit of claim 9 wherein said radio unit is a radio telephone.

13. The radio unit of claim 9 wherein said radio unit is a radio facsimile machine.

14. The radio unit of claim 9 wherein said radio unit is a microprocessor-based device.

15. The radio unit of claim 9 wherein said means for reading includes a magnetic reader for reading the credit amount and the personal access number from a magnetic strip of said debit card device;

and

means for writing is a magnetic writer for rewriting the magnetic strip.

16. The radio unit of claim 10 wherein said means for reading is a reader processor for reading the credit amount and the personal access number from a memory of a chip of said debit card device;

and

means for writing is a writer processor for rewriting the memory of the chip.