Self-service system and method of loading an executable transaction application program from a self-service terminal to a portable electronic device

• US 20040204078A1
• Filed: 09/30/2002
• Published: 10/14/2004
• Est. Priority Date: 09/30/2002
• Status: Active Grant

• Current Assignee: NCR Corporation
• Original Assignee: NCR Corporation
• Inventors: Woodward, Sean, Fare, James W.D., De Souza, Kenneth G.
• Granted Patent: US 7,136,623 B2
• Time in Patent Office: Days
• US Class Current: 455/557
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• 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 20/326 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 20/3552 Downloading or loading of personalisation data
• 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: H04M 1/72406 by software upgrading or downloading
• CPC Class Codes: H04M 1/72412 using two-way short-range wireless interfaces
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 2203/1016 Telecontrol
• CPC Class Codes: H04M 2203/105 Financial transactions and auctions, e.g. bidding auctioneering devices in packet switching networks H04L12/1804
• CPC Class Codes: H04M 2203/1058 Shopping and product ordering
• 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 2250/02 including a Bluetooth interface
• CPC Class Codes: H04M 3/42153 by subscriber
• CPC Class Codes: H04M 3/42178 : by downloading data to substation equipment
• CPC Class Codes: H04M 3/493 : Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals
• CPC Class Codes: H04W 4/02 : Services making use of location information
• CPC Class Codes: H04W 4/029 : Location-based management or tracking services
• CPC Class Codes: H04W 4/24 : Accounting or billing
• CPC Class Codes: H04W 8/245 : from a network towards a terminal

Abstract

A self-service terminal has a wireless communication port for communicating with a user'"'"'s portable electronic device. The self-service terminal loads an executable transaction application program via the wireless communication port to a user'"'"'s portable electronic device when the user'"'"'s portable electronic device moves into the vicinity of the wireless communication port. The self-service terminal receives transactional data from a user'"'"'s portable electronic device when an executable transaction application program which has been loaded to the user'"'"'s portable electronic device is executed.

Claims

1. A self-service terminal comprising:

a wireless communication port for communicating with a user'"'"'s portable electronic device; and

means for loading an executable transaction application program via the wireless communication port to a user'"'"'s portable electronic device when the user'"'"'s portable electronic device moves into the vicinity of the wireless communication port.

2. A self-service terminal according to claim 1, further comprising means for receiving transactional data from a user'"'"'s portable electronic device when an executable transaction application program which has been loaded to the user'"'"'s portable electronic device is executed.

3. A self-service terminal comprising:

a wireless communication port for communicating with a user'"'"'s portable electronic device; and

means for, without any action required of the user, loading an executable transaction application program via the wireless communication port to a user'"'"'s portable electronic device when the user'"'"'s portable electronic device moves within a predetermined distance from the wireless communication port.

4. A self-service terminal according to claim 3, further comprising means for receiving transactional data from a user'"'"'s portable electronic device when an executable transaction application program which has been loaded to the user'"'"'s portable electronic device is executed.

5. A portable electronic device comprising:

a wireless communication port for communicating with a self-service transaction terminal;

means for receiving an executable transaction application program from a self-service transaction terminal when the wireless communication port moves into the vicinity of the self-service transaction terminal;

a user interface for allowing a user to enter a transaction; and

means for executing an executable transaction application program received from a self-service transaction terminal to carry out a transaction entered via the user interface.

6. A self-service system comprising:

a first self-service terminal of a first type including (i) a first wireless communication port for interfacing with a portable electronic device, and (ii) means for loading an executable transaction application program via the first wireless communication port to a portable electronic device;

a second self-service terminal of a second type which is different from the first type and including (i) a second wireless communication port for interfacing with a portable electronic device, and (ii) means for loading an executable transaction application program via the second wireless communication port to a portable electronic device; and

a portable electronic device including (i) a third wireless communication port for interfacing with the first wireless communication port of the first self-service terminal and for interfacing with the second wireless communication port of the second self-service terminal, and (ii) means for receiving an executable transaction application program from the first self-service terminal when the portable electronic device moves within the first predetermined distance from the first self-service terminal and for receiving an executable transaction application program from the second self-service terminal when the portable electronic device moves within the second predetermined distance from the second self-service terminal.