Use of cellular phones for payment of vending machines

• US 20030078895A1
• Filed: 10/17/2002
• Published: 04/24/2003
• Est. Priority Date: 10/19/2001
• Status: Abandoned Application

• Current Assignee: J.J. MacKay Canada Limited (137954 Canada Ltd.)
• Original Assignee: J.J. MacKay Canada Limited (137954 Canada Ltd.)
• Inventors: MacKay, George
• Application Number:
  US10/273,029
• Publication Number:
  US 20030078895A1
• Time in Patent Office: Days
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/382 insuring higher security of transaction
• CPC Class Codes: H04L 63/0838 using one-time-passwords

Abstract

A cellular phone payment system for making payment for goods or service, which comprises three parts: 1) a user'"'"'s cellular phone, which could also be any other form of mobile communications device provided that it can be linked to the public phone system, 2) an on-street vending machine, and 3) a remote payment auto-attendant computer with modem, which can be accessed by the public phone system. The user'"'"'s cellular phone is the communications link or conduit used to access the remote payment auto-attendant computer, as well as to relay instructions to the user once user verification has been completed. The user calls the auto-attendant, authenticates his/her identity, and then is given instructions on how to make remote cellular payment on the vending machine in question. The user follows the instructions, which consists of indicating what good/service is being purchased, and then entering a sequence of challenges and responses between the remote auto-attendant computer and the vending machine to validate and confirm payment on the machine. The user uses the phone keypad and the keypad on the vending machine as the data entry means. Once the payment cycle is successfully completed, the payment will have been securely authenticated, the good/service provided, and the users preferred payment method, has been debited the corresponding amount. The payment will have been accomplished with the vending machine offline.

Claims

1. A system of making payments for vending machine purchases comprising:

auto-attendant means adapted to communicate with a user through a cellular phone network, whereby the user requests to make payment for the purchase of a vending machine good/service and the auto-attendant provides an authorization for the purchase; and

means within the vending machine for accepting the authorization from the user and for providing the good/service.

2. A system of making payments for vending machine purchases as claimed in claim 1 wherein the auto-attendant means comprises:

a computer processor for processing the user requests; and

a communications module for communicating with a user'"'"'s cellular phone.

3. A system of making payments for vending machine purchases as claimed in claim 2 wherein the auto-attendant means further comprises database means for storing account records.

4. A system of making payments for vending machine purchases as claimed in claim 1 wherein the good/service is a parking service.

5. A method of making payments for vending machine purchases comprising:

providing auto-attendant means adapted to communicate with a user through a cellular phone network;

requesting the auto-attendant means by the user to make payment for the purchase of a vending machine good/service;

authorizing the purchase by the auto-attendant; and

providing means within the vending machine for accepting the authorization from the user and for providing the good/service.

6. A method of making payments for vending machine purchases as claimed in claim 5 comprising communicating between the user and the auto-attendant means by cellular phone.

7. A method of making payments for vending machine purchases as claimed in claim 6 comprising storing account data in a database means associated with the auto-attendant.

8. A method of making payments for vending machine purchases as claimed in claim 5 wherein the good/service is a parking service.

9. In a system of making payments for vending machine purchases having an auto-attendant adapted to communicate with a user cellular phone through a cellular phone network for providing the user authorization for the purchase, and a vending machine for accepting the authorization from the user to provide the good/service, the method of making payments comprising:

a. calling the auto-attendant using the cellular phone;

b. sending vending machine identification to the auto-attendant;

c. receiving a “

challenge”

number from the auto-attendant;

d. entering information regarding the requested good/service and the “

challenge”

number into the vending machine;

e. receiving a “

pay-by-phone”

response number from the vending machine;

f. entering the “

pay-by-phone”

response number in the auto-attendant;

g. receiving a “

confirmation”

number from the auto-attendant; and

h. entering the “

confirmation”

number into the vending machine.

10. The method of making payments as claimed in claim 9 which further includes the step of sending a user'"'"'s ID to the auto-attendant after step a.

11. The method of making payments as claimed in claim 9 which further includes the step of sending method of payment information to the auto-attendant after step f.

12. The method of making payments as claimed in claim 9 which further includes the step of receiving the good/service from the vending machine after step h.

13. The method of making payments as claimed in claim 9 wherein the good/service information in step d. comprises a good/service specifically desired and the payment amount required.

14. The method of making payments as claimed in claim 9 which further includes the step of obtaining authorization by the auto-attendant to receive the payment after step f.

15. The method of making payments as claimed in claim 9 wherein the good/service is a parking service.

16. In a system of making payments for vending machine purchases having an auto-attendant adapted to communicate with a user cellular phone through a cellular phone network for providing authorization to the user for the purchase, the method of confirming payment by the auto-attendant comprising:

a. receiving a cellular phone call from a user;

b. requesting the user for the vending machine identification;

c. receiving the vending machine identification;

d. providing the user a “

challenge”

number;

e. receiving a “

pay-by-phone”

response number from the user;

f. obtaining authorization for the user to make payment using a selected account; and

g. providing a “

confirmation”

number to the user to be used to obtain the good/service.

17. The method of confirming payment by the auto-attendant as claimed in claim 16 which further comprises requesting the user'"'"'s ID and receiving the user'"'"'s ID following step a.

18. The method of confirming payment by the auto-attendant as claimed in claim 16 which further comprises requesting the user for the type and number of the user'"'"'s desired payment method, and receiving the type and number of the user'"'"'s payment method from the user following step e.

19. The method of confirming payment by the auto-attendant as claimed in claim 16 wherein the good/service is a parking service.

20. In a system of making payments for vending machine purchases having an auto-attendant adapted to communicate with a user cellular phone through a cellular phone network for providing authorization to the user for the purchase, the auto-attendant comprising:

means for receiving a cellular phone call from a user;

means for requesting the user for the vending machine identification;

means for receiving the vending machine identification;

means for providing the user a “

challenge”

number;

means for receiving a “

pay-by-phone”

response number from the user;

means for obtaining authorization for the user to make payment using a selected account; and

means for providing a “

confirmation”

number to the user to be used to obtain the good/service.

21. The auto-attendant as claimed in claim 20 which further comprises:

means for requesting the user'"'"'s ID; and

means for receiving the user'"'"'s ID.

22. The auto-attendant as claimed in claim 20 which further comprises:

means for requesting the user for the type and number of the user'"'"'s desired payment method; and

means for receiving the type and number of the user'"'"'s payment method from the user.

23. The auto-attendant as claimed in claim 20 wherein the good/service is a parking service.

24. In a system of making payments for vending machine purchases having an auto-attendant adapted to communicate with a user cellular phone through a cellular phone network for providing the user authorization for the purchase, and a vending machine for providing the good/service, the method of providing the good/service by the vending machine comprising:

a. providing the user the option to pay by phone;

b. receiving information regarding the good/service requested;

c. providing a “

pay-by-phone response”

number to the user;

d. receiving a “

confirmation”

number from the user; and

e. providing the good/device to the user.

25. The method of providing the good/service as claimed in claim 24 wherein the good/service is a parking service.

26. In a system of making payments for vending machine purchases having an auto-attendant adapted to communicate with a user cellular phone through a cellular phone network for providing the user authorization for the purchase, and a vending machine for providing the good/service, the vending machine comprising:

means for providing the user the option to pay by phone;

means for receiving information regarding the good/service requested;

means for providing a “

pay-by-phone response”

number to the user;

means for receiving a “

confirmation”

number from the user; and

means for providing the good/device to the user.

27. The vending machine as claimed in claim 26 wherein the good/service is a parking service.