System, a method and an apparatus for performing an electric payment transaction in a telecommunication network

• US 6,366,893 B2
• Filed: 09/29/1998
• Issued: 04/02/2002
• Est. Priority Date: 11/07/1995
• Status: Expired due to Term

• Current Assignee: Nokia Technologies Oy (Nokia Corporation)
• Original Assignee: Nokia Telecommunications Oy (Nokia Corporation)
• Inventors: Hannula, Antti, Kari, Hannu
• Primary Examiner(s): Trammell, James P.
• Assistant Examiner(s): Hayes, John W.
• Application Number:
  US09/068,280
• Publication Number:
  US 20010011256A1
• Time in Patent Office: 1,281 Days
• Field of Search: 705/40, 705/26, 705/35, 705/39, 705/42, 705/53, 705/77, 705/78, 705/79, 705/73, 705/37, 705/41, 705/65, 705/70, 902/24, 902/40, 235/380, 455/407, 455/558, 455/406, 379/93.12
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

The invention relates to methods and apparatuses for performing electronic payment transactions between a terminal equipment (100) in a telecommunication network and the other transacting party (1,2, . . . ,N). The invention utilizes a special payment service gateway (10) through which all the payment transactions of the terminal equipments in the telecommunication network are routed. The payment service gateway allows the parties of the payment transaction to support different electronic payment protocols (A, B, . . . , X) and performs the required protocol conversions so as to provide an end-to-end transaction.

Claims

1. A mobile communication system comprising

mobile terminal equipments;

at least one serving mobile network element;

a payment service gateway connected to said serving mobile network element and to a general data network for performing electronic payment transactions between said mobile terminal equipments located in said mobile communication system and another transacting party connected to said general data network;

said payment service gateway comprising a first payment protocol interface supporting a first electronic payment protocol for payment transactions with the mobile terminal equipments over an Internet Protocol (IP) connection established to the respective mobile terminal equipment by means of said at least one serving mobile network element, said first payment protocol interface comprising at least one World Wide Web page;

said payment service gateway comprising at least one further payment protocol interface that is connected to said general data network and that supports a different electronic payment protocol as said first electronic payment protocol interface for payment transactions with the other transacting party; and

the payment service gateway is arranged to perform the protocol conversion of the payment transaction between the first protocol payment interface and said at least one further payment protocol interface.

2. A system according to claim 1, wherein said payment service gateway is connected directly to the mobile network.

3. A mobile communication system as claimed in claim 1, wherein said mobile communications system further comprises a local area network interconnecting said at least one serving mobile network element and said payment service gateway.

4. A method for performing an electronic payment transaction in a mobile communication system comprising mobile terminal equipments, at least one serving mobile network element, and a payment service gateway connected to said serving mobile network element and to a general data network for performing electronic payment transactions between said mobile terminal equipments located in said mobile communication system and another transacting party connected to said general data network, said method comprising steps of:

routing the payment transaction through the payment service gateway;

using the same general electronic payment protocol based on a World Wide Web user interface in all payment transactions carried out between the mobile terminal equipment and the gateway over an Internet Protocol (IP) connection established to the respective mobile terminal equipment by means of said at least one serving mobile network element, regardless of the electronic payment protocol of said other party;

using the electronic payment protocol of said other party in each payment transaction between the gateway and said other party over said general data network; and

performing a protocol conversion in said payment service gateway between said general payment protocol and the payment protocol of each other party.

5. A mobile communication system comprising

mobile terminal equipments;

at least one serving mobile network element;

a payment service gateway connected to said serving mobile network element and to a general data network for performing an electronic payment transaction between a mobile terminal equipment located in a telecommunication system and another transacting party connected to said general data network;

said payment service gateway comprising a first payment protocol interface supporting the first electronic payment protocol for payment transactions with said other party over said general data network;

said payment service gateway comprising a set of further payment protocol interfaces which are connected to said at least one serving mobile network element and which support a set of different electronic payment protocols as said first payment protocol interface for payment transactions with the mobile terminal equipments over an Internet Protocol (IP) connection established to the respective mobile terminal equipment by means of said at least one serving mobile network element; and

the payment service gateway being arranged to perform the protocol conversion of the payment transactions between the first payment protocol interface and said set of said further payment protocol interfaces.

6. A method for performing an electronic payment transaction in a mobile communication system comprising mobile terminal equipments, at least one serving mobile network element, and a payment service gateway connected to said serving mobile network element and to a general data network for performing electronic payment transactions between said mobile terminal equipments located in said mobile communication system and another transacting party connected to said general data network, said method comprising steps of:

supporting in the mobile communication system at least two different electronic payment protocols;

routing payment transactions of the mobile terminal equipments via said payment service gateway;

using a common general electronic payment protocol in all payment transactions between the other party and the gateway over said general data network regardless of the electronic payment protocol used by the mobile terminal equipment in the specific transaction;

using the electronic payment protocol of the specific mobile terminal equipment in each payment transaction between the gateway and the mobile terminal equipment over an Internet Protocol (IP) connection established to the respective mobile terminal equipment by means of said at least one serving mobile network element; and

performing a protocol conversion In said payment service gateway between said common general payment protocol and the payment protocol of the specific mobile terminal equipment in the specific transaction.

7. An apparatus for performing a transaction in a mobile communication system comprising mobile terminal equipments and at least one serving mobile network element, said apparatus being connected to said serving mobile network element and to a general data network for performing electronic payment transactions between said mobile terminal equipments located in said mobile communication system and another transacting party connected to said general data network, the apparatus comprising:

means based on a World Wide Web user interface for performing a transaction between the mobile terminal equipment and the apparatus by using a first common electronic payment protocol in all payment transactions between the mobile terminal equipment and the apparatus over an Internet Protocol (IP) connection, the first general electronic payment protocol being common to all mobile terminal equipments and independent of a second electronic payment protocol supported by the other party;

means for performing a payment transaction between said other party and the apparatus over said general data network by using the second electronic payment protocol supported by said other party; and

means for performing a protocol conversion between said first electronic payment protocol and the second electronic payment protocol.

8. An apparatus for performing an electronic payment transaction in a mobile communication system comprising mobile terminal equipments and at least one serving mobile network element, said apparatus being connected to said serving mobile network element and to a general data network for performing electronic payment transactions between said mobile terminal equipments located in said mobile communication system and another transacting party connected to said general data network, the apparatus comprising:

means for performing a payment transaction between said other party and the apparatus by using in each transaction a first general electronic payment protocol that is independent of a second electronic payment protocol supported by the mobile terminal equipments;

means based on a World Wide Web user interface for performing a payment transaction between the terminal equipment and the apparatus over an Internet Protocol (IP) connection by using the second electronic payment protocol supported by the mobile terminal equipment; and

means for performing a protocol conversion between said first general electronic payment protocol and the second electronic payment protocol.

9. An apparatus for performing an electronic payment transaction in a mobile communication system comprising mobile terminal equipments and at least one serving mobile network element, said apparatus being connected to said serving mobile network element and to a general data network for performing electronic payment transactions between said mobile terminal equipments located in said mobile communication system and another transacting party connected to said general data network, the apparatus comprising:

means for performing a payment transaction between any mobile terminal equipment and the apparatus by using an electronic payment protocol supported by each specific mobile terminal equipment;

means for performing a payment transaction between said other party and the apparatus over said general data network by using the electronic payment protocol of said other party; and

means for performing a protocol conversion between the electronic payment protocol supported by each specific other party and the electronic payment protocol supported by each specific mobile terminal equipment in a transaction over an Internet Protocol (IP) connection established to the respective mobile terminal equipment by means of said at least one serving mobile network element.

10. A mobile communication system comprising:

mobile terminal equipments;

a local area network;

a payment service gateway connected to said local area network and to a general data network for performing electronic payment transactions between said mobile terminal equipments located in said mobile communication system and another transacting party connected to said general data network;

an access computer which is connected to said local area network and establishes virtual data connections over an air interface between the access computer and said mobile terminal equipments;

said payment service gateway having;

a first payment protocol interface supporting a first electronic payment protocol for payment transactions with the mobile terminal equipments over an Internet Protocol (IP) connection established to the respective mobile terminal equipment by means of said access computer,

at least one further payment protocol interface that is connected to said general data network for payment transactions with the other transacting party and that supports a different electronic payment protocol as said first electronic payment protocol interface, and

the payment service gateway being arranged to perform the protocol conversion of the payment transaction between the first and said at least one further payment protocol interface.

11. A mobile communication system as claimed in claim 10, wherein said first electronic payment protocol interface of said mobile terminal comprises a World Wide Web page.

12. A mobile communication system comprising:

mobile terminal equipments;

a local area network;

a payment service gateway connected to said local area network and to a general data network for performing electronic payment transactions between said mobile terminal equipments located in said mobile communication system and another transacting party connected to said general data network;

an access computer which is connected to said local area network and establishes virtual data connections over an air interface between the access computer and said mobile terminal equipments;

said payment service gateway comprising a first payment protocol interface supporting the first electronic payment protocol for payment transactions with said other party over said general data network;

said payment service gateway comprising a set of further payment protocol interfaces that supports a set of different electronic payment protocols as said first payment protocol interface for payment transactions with the mobile terminal equipments over an Internet Protocol (IP) connection established to the respective mobile terminal equipment by means of said access computer; and

the payment service gateway being arranged to perform the protocol conversion of the payment transactions between the first payment protocol interface and said set of said further payment protocol interfaces.

13. A mobile communication system as claimed in claim 12, wherein said first electronic payment protocol interface of said mobile terminal comprises a World Wide Web page.

14. A mobile communication system comprising:

mobile terminal equipments;

a local area network;

a payment service gateway connected to said local area network and to a general data network for performing electronic payment transactions between said mobile terminal equipments located in said mobile communication system and another transacting party connected to said general data network;

an access computer which is connected to said local area network and establishes virtual data connections over an air interface between the access computer and said mobile terminal equipments;

said payment service gateway comprising a first set of payment protocol interfaces supporting a first set of electronic payment protocols for payment transactions with said other party over said general data network;

said payment service gateway comprising a second set of payment protocol interfaces that support a second set of electronic payment protocols payment transactions with the mobile terminal equipments over an Internet Protocol (IP) connection established to the respective mobile terminal equipment by means of said access computer; and

the payment service gateway being arranged to perform the protocol conversion of the payment transactions between the first and second sets of payment protocol interfaces.

15. A mobile communication system as claimed in claim 14, wherein said first electronic payment protocol interface of said mobile terminal comprises a World Wide Web page.

16. A mobile communication system comprising:

mobile terminal equipments;

an access computer which establishes virtual data connections over an air interface between the access computer and said mobile terminal equipments;

a payment service gateway connected to said access computer and to a general data network for performing electronic payment transactions between said mobile terminal equipments located in said mobile communication system and another transacting party connected to said general data network;

said payment service gateway supporting a first set of electronic payment protocols for payment transactions with said other party over said general data network;

said payment service gateway supporting a second payment protocol for transactions with the mobile terminal equipments over an Internet Protocol (IP) connection established to the respective mobile terminal equipment by means of said access computer; and

the payment service gateway being arranged to perform the protocol conversion of the payment transactions between the first and second payment protocols.

17. A mobile communication system as claimed in claim 16, wherein said first electronic payment protocol interface of said mobile terminal comprises a World Wide Web page.