System and method for mobile transactions using the bearer independent protocol

• US 20040176134A1
• Filed: 03/18/2004
• Published: 09/09/2004
• Est. Priority Date: 07/26/2002
• Status: Active Grant

• Current Assignee: Verifone, Inc. (Verifone Systems, Inc.)
• Original Assignee: Way Systems Incorporated (Verifone Systems, Inc.)
• Inventors: Goldthwaite, Scott, Petrov, Andrew, Doudkine, Andrei
• Granted Patent: US 7,280,847 B2
• Time in Patent Office: Days
• US Class Current: 455/558
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06K 7/10881 constructional details of hand-held scanners
• 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 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile 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 20/3433 the counter having monetary units
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 7/02 by keys or other credit registering devices
• CPC Class Codes: G07F 7/082 Features insuring the integrity of the data on or in the card
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• 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: G07F 7/1025 Identification of user by a PIN code
• CPC Class Codes: H04B 1/3816 Mechanical arrangements for accommodating identification devices, e.g. cards or chips; with connectors for programming identification devices
• CPC Class Codes: H04L 12/2854 Wide area networks, e.g. public data networks
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04M 1/724 User interfaces specially adapted for cordless or mobile telephones
• 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 17/026 : Constructional features
• 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 12/06 : Authentication
• CPC Class Codes: H04W 4/24 : Accounting or billing
• CPC Class Codes: H04W 8/205 : Transfer to or from user equipment or user record carrier
• CPC Class Codes: H04W 92/08 : between user and terminal device

Abstract

A system for performing mobile transactions includes a mobile communication device connecting to a server device via a first network. The mobile communication device includes a subscriber identification module (SIM) card slot and a virtual subscriber identification (VSIM) interface connected to the SIM card slot and it provides subscriber identity authentication to the server device via the VSIM interface. The mobile communication device further includes a mobile transaction client application for managing the communication between the mobile communication device and the server device. The mobile transaction client application manages the communication between the mobile device and the server device utilizing the Bearer Independent Protocol as defined in the European Telecommunications Standards Institute document ETSI TS 101 267 (3GPP TS 11.14).

Claims

1. A system for performing mobile transactions comprising:

a mobile communication device comprising a subscriber identification module (SIM) card slot and a virtual subscriber identification (VSIM) interface connected to said SIM card slot;

a server device; and

wherein said mobile communication device is adapted to connect to said server device via a first network, provides subscriber identity authentication to said server device via said VSIM, and manages communication with said server device utilizing SIM Application Toolkit commands to invoke the Bearer Independent Protocol described in the European Telecommunications Standards Institute document ETSI TS 101 267 (3GPP TS 11.14).

2. The system of claim 1 wherein said mobile communication device further comprises a mobile transaction client application for managing said communication between said mobile communication device and said server device.

3. The system of claim 1 wherein said server device further comprises a mobile transaction server application for managing communication between said server and said mobile communication device.

4. The system of claim 1 wherein said VSIM interface is located within said mobile communication device.

5. The system of claim 1 wherein said VSIM interface is located within an attachment device and said attachment device is connected to said SIM card slot of said mobile communication device.

6. The system of claim 5 wherein said attachment device further comprises one or more additional SIM slots, a second SIM card connected to one of said one or more additional SIM slots and a card reader.

7. The system of claim 1 wherein said mobile communications device is selected from a group consisting of a mobile phone, a personal digital assistant, a pager, a wireless laptop computer, a personal computer, a television remote control and combinations thereof.

8. The system of claim 1 wherein said first network comprises a wireless network selected from a group consisting of wireless telecommunications network, a wireless wide area network (WWAN), a wireless local area network (WLAN), a wireless private network, and a wireless personal area network (PAN).

9. The system of claim 8 wherein said wireless telecommunications network is selected from a group consisting of a Global System for Mobile Communications (GSM), a Code Division Multiple Access (CDMA), CDMA 2000, wideband CDMA (WCDMA), TDMA, General Packet Radio Service (GPRS), 3G, EDGE, Mobitex and DataTac.

10. The system of claim 1 wherein said first network is selected from a group consisting of infrared, serial line and Bluetooth.

11. The system of claim 1 wherein said first network is adapted to connect to a second network through a mobile operator gate and wherein said server is adapted to connect to said second network thereby connecting to said first network and said mobile communication device.

12. The system of claim 11 wherein said second network is selected from a group consisting of the Internet, a wireless network, a wired network, a telecommunications network, a local area network (LAN), a WWAN, WLAN, and a personal area network (PAN).

13. The system of claim 1 wherein said communication comprises a format selected from a group consisting of Short Message Service (SMS), Transmission Control Protocol/Internet Protocol (TCP/IP), User Datagram Protocol (UPD), Simple Mail Transmission Protocol (SMTP), Simple Network Management Protocol (SNMP), and a proprietary message format.

14. The system of claim 1 wherein said server device is further connected to other server devices via said second network.

15. The system of claim 1 wherein said mobile transactions are selected from a group consisting of financial transactions, information exchange transactions and digital goods exchange transactions.

16. The system of claim 1 wherein said server device is selected from a group consisting of a server computer, a personal computer, a second mobile communication device, a printer, and another communication device.

17. The system of claim 2 wherein said mobile communication device further comprises:

a memory;

a Central Processing Unit (CPU); and

a first SIM card connected to said SIM card slot, said first SIM card authenticating said mobile communication device to said first network.

18. The system of claim 17 wherein said mobile communications device further comprises other interfaces connected to said CPU.

19. The system of claim 18 wherein said other interfaces are selected from a group consisting of smart card interfaces, infrared transceiver interfaces, serial communication interfaces, and magnetic stripe reader interfaces.

20. The system of claim 17 wherein said mobile transaction client application is stored in storage selected from a group consisting of said VSIM interface, said CPU, an additional SIM card, an external SIM card, a contactless smart card, and an external card.

21. A method for performing mobile transactions comprising:

providing a mobile communication device comprising a subscriber identification module (SIM) card slot and a virtual subscriber identification (VSIM) interface connected to said SIM card slot;

providing a server device;

connecting said mobile communication device to said server device via a first network;

providing subscriber identity authentication of said mobile communication device to said server device via said VSIM interface; and

communicating between said mobile communication device and said server device, wherein said mobile communication device manages said communication utilizing SIM Application Toolkit commands to invoke the Bearer Independent Protocol described in the European Telecommunications Standards Institute document ETSI TS 101 267 (3GPP TS 11.14).

22. The method of claim 21 wherein said mobile communication device further comprises a mobile transaction client application for managing said communication between said mobile communication device and said server device.

23. The method of claim 21 wherein said server device further comprises a mobile transaction server application for managing said communication between said server and said mobile communication device.

24. The method of claim 21 wherein said VSIM interface is located within said mobile communication device.

25. The method of claim 21 wherein said VSIM interface is located within an attachment device and said attachment device is connected to said SIM card slot of said mobile communication device.

26. The method of claim 25 wherein said attachment device further comprises one or more additional SIM slots, a second SIM card connected to one of said one or more additional SIM slots, and an external card reader.

27. The method of claim 21 wherein said mobile communications device is selected from a group consisting of a mobile phone, a personal digital assistant, a pager, a wireless laptop computer, a personal computer, a television remote control and combinations thereof.

28. The method of claim 21 wherein said first network comprises a wireless network selected from a group consisting of wireless telecommunications network, a wireless wide area network (WWAN), a wireless local area network (WLAN), a wireless private network, and a wireless personal area network (PAN).

29. The method of claim 28 wherein said wireless telecommunications network is selected from a group consisting of a Global System for Mobile Communications (GSM), a Code Division Multiple Access (CDMA), CDMA 2000, wideband CDMA (WCDMA), TDMA, General Packet Radio Service (GPRS), 3G, EDGE, Mobitex and DataTac.

30. The method of claim 21 wherein said first network is selected from a group consisting of infrared, serial line and Bluetooth.

31. The method of claim 21 wherein said first network is adapted to connect to a second network through a mobile operator gate and wherein said server is adapted to connect to said second network thereby connecting to said first network and said mobile communication device.

32. The method of claim 31 wherein said second network is selected from a group consisting of the Internet, a wireless network, a wired network, a telecommunications network, a local area network (LAN), a WWAN, WLAN, and a personal area network (PAN).

33. The method of claim 21 wherein said communication comprises a format selected from a group consisting of Short Message Service (SMS), Transmission Control Protocol/Internet Protocol (TCP/IP), User Datagram Protocol (UPD), Simple Mail Transmission Protocol (SMTP), Simple Network Management Protocol (SNMP), and a proprietary message format.

34. The method of claim 31 further comprising connecting said server device to other server devices via said second network.

35. The method of claim 21 wherein said mobile transactions are selected from a group consisting of financial transactions, information exchange transactions and digital goods exchange transactions.

36. The method of claim 21 wherein said server device is selected from a group consisting of a server computer, a personal computer, a second mobile communication device, a printer, and another communication device.

37. The method of claim 22 wherein said mobile communication device further comprises:

a memory;

a Central Processing Unit (CPU); and

a first SIM card connected to said SIM card slot, said first SIM card authenticating said mobile communication device to said first network.

38. The method of claim 37 wherein said mobile communications device further comprises other interfaces connected to said CPU.

39. The method of claim 38 wherein said other interfaces are selected from a group consisting of smart card interfaces, infrared transceiver interfaces, serial communication interfaces, and magnetic stripe reader interfaces.

40. The method of claim 37 wherein said mobile transaction client application is stored in storage selected from a group consisting of said VSIM interface, said CPU, an additional SIM card, an external SIM card, a contactless smart card, and an external card.