Method for using applications in a mobile station, a mobile station, and a system for effecting payments

• US 20020102963A1
• Filed: 01/22/2002
• Published: 08/01/2002
• Est. Priority Date: 02/15/1995
• Status: Active Grant

• Current Assignee: Nokia Technologies Oy (Nokia Corporation)
• Original Assignee: Nokia Mobile Phones UK Limited (Nokia Corporation)
• Inventors: Rautiola, Markku, Heinonen, Petri, Terho, Mikko, Marttila, Matti J.
• Granted Patent: US 6,959,202 B2
• Time in Patent Office: Days
• US Class Current: 455/406
• CPC Class Codes: G06Q 10/02 Reservations, e.g. for tickets, services or events
• CPC Class Codes: G06Q 20/04 Payment circuits
• 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 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/349 Rechargeable cards
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/425 : using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 17/24 : for parking meters
• CPC Class Codes: G07F 7/0866 : by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07G 1/12 : electronically operated digital data processing aspects G06Q20/00
• CPC Class Codes: H04M 1/72403 : with means for local support of applications that increase the functionality
• CPC Class Codes: H04M 1/72412 : using two-way short-range wireless interfaces
• CPC Class Codes: H04M 15/00 : Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
• CPC Class Codes: H04M 15/68 : Payment of value-added services
• 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 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 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

The invention relates to a method for using an application (18) in a mobile station (1). The application has a first mode of operation and a second mode of operation, whereby the first mode of operation is passive, and in the second mode of operation the application controls the master control unit (MCU) of the mobile station. The invention also relates to a system for making payments, comprising at least one mobile station (1), which has an application (18), means for using the application (18), and the first means of data transfer (IR, 20, RF) for local data transfer. The system also comprises at least one cash register (21) or the like, which has the second means for data transfer (IR2), and the application (18) comprises means for transferring data between the first means for data transfer (IR) and the second means for data transfer (IR2).

Claims

1. A method for using an application in a mobile station comprising a master control unit MCU for implementing mobile station functions, wherein the application has a first mode of operation and a second mode of operation, whereby the first mode of operation is passive and in the second mode of operation the application controls the master control unit MCU.

2. A method in accordance with claim 1, wherein the application is a cash card application.

3. A method in accordance with claim 1, wherein the application is a payment card application.

4. A method in accordance with claim 1, wherein the application is a credit card application.

5. A method in accordance with claim 1, wherein when the application is in the second mode of operation, the mobile station communicates with an other mobile station using first means of data transfer IR.

6. A method in accordance with claim 1, wherein the master control unit MCU is controlled by using AT commands.

7. A method in accordance with claim 1, wherein the master control unit MCU of the mobile station has two modes of operation:

normal mode and

application mode.

8. A method in accordance with claim 1, wherein the application is of the power-up-type, of the menu type or automatic.

9. A mobile station which has means for using an application, wherein the mobile station also comprises

means for setting the application in the first mode of operation,

means for setting the application in the second mode of operation, and

means for controlling the master control unit MCU of the mobile station.

10. A mobile station in accordance with claim 9, wherein the mobile station also comprises means for infrared data transfer.

11. A mobile station in accordance with claim 9, wherein the mobile station also comprises means for connecting the mobile station to a computer.

12. A mobile station in accordance with claim 9, wherein the mobile station is a GSM mobile phone.

13. A mobile station in accordance with claim 9, wherein the said means for controlling the master control unit MCU are located in the application.

14. A system for effecting payments, wherein the system comprises

at least one mobile station, which has

an application,

means for using the application, and

the first means for data transfer for local data transfer,

at least one cash register or the like, which has the second means for data transfer, and

the application comprises means for transferring data between the first means for data transfer and the second means for data transfer.