Electronic transactions

• US 20110167082A1
• Filed: 12/30/2010
• Published: 07/07/2011
• Est. Priority Date: 03/02/2001
• Status: Active Grant

• Current Assignee: Nokia Corporation
• Original Assignee: Nokia Corporation
• Inventors: Cofta, Piotr, Markkanen, Panu S., Piikivi, Lauri, Saukkonen, Topi, Hyyppa, Petri
• Granted Patent: US 8,447,359 B2
• Time in Patent Office: Days
• US Class Current: 707/769
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use

Abstract

A method of accomplishing a transaction by a user equipment. Transaction information is inserted in at least one data field of an information entity that associates with the transaction based on information available at the user equipment. The information entity is then transmitted from the user equipment over a wireless interface. The insertion may require authorisation. The insertion may occur automatically in response to a predefined event.

Claims

1. A method, comprising:

determining to retrieve at a device transaction information based, at least in part, upon descriptive information of content data in one or more data records stored in the device, wherein the transaction information includes context information obtained independently of user input to the device;

selecting, at the device, one or more of the data records based on the transaction information; and

causing, at least in part, transmission of the selected one or more data records to an external entity via a short-range wireless connection.

2. A method of claim 1, wherein the context information is associated with the device.

3. A method of claim 1, wherein the selection of the one or more data records occurs independently of the transmission of the selected one or more data records to the external entity.

4. A method of claim 1, wherein the selected one or more data records are relevant for redemption via the external entity.

5. A method of claim 4, further comprising:

causing, at least in part, presentation of one or more of the selected data records to the external entity; and

receiving an indication from the external entity that the presented one or more data records can be redeemed.

6. A method of claim 1, wherein the content data of the data records is stored in a protected memory of the device, and access to the content data of the data records is subject to access control.

7. A method of claim 6, wherein the protected memory includes a subscriber identity module (SIM).

8. A method of claim 1, wherein the context information specifies a transaction party, time, location, credit card data, or a combination thereof.

9. An apparatus comprising:

at least one processor; and

at least one memory including computer program code for one or more programs,

the at least one memory and the computer program code configured to, with the at least one processor, cause the apparatus to perform at least the following,

determine to retrieve at a device transaction information based, at least in part, upon descriptive information of content data in one or more data records stored in the device, wherein the transaction information includes context information obtained independently of user input to the device,

select, at the device, one or more of the data records based on the transaction information, and

cause, at least in part, transmission of the selected one or more data records to an external entity via a short-range wireless connection.

10. An apparatus of claim 9, wherein the context information is associated with the device.

11. An apparatus of claim 9, wherein the selection of the one or more data records occurs independently of the transmission of the selected one or more data records to the external entity.

12. An apparatus of claim 9, wherein the selected one or more data records are relevant for redemption via the external entity.

13. An apparatus of claim 12, wherein the apparatus is further caused to:

cause, at least in part, presentation of one or more of the selected data records to the external entity, and

receive an indication from the external entity that the presented one or more data records can be redeemed.

14. An apparatus of claim 9, wherein the content data of the data records is stored in a protected memory of the device, and access to the content data of the data records is subject to access control.

15. An apparatus of claim 14, wherein the protected memory includes a subscriber identity module (SIM).

16. An apparatus of claim 9, wherein the context information specifies a transaction party, time, location, credit card data, or a combination thereof.

17. A computer-readable storage medium carrying one or more sequences of one or more instructions which, when executed by one or more processors, cause an apparatus to at least perform the following steps:

determining to retrieve at a device transaction information based, at least in part, upon descriptive information of content data in one or more data records stored in the device, wherein the transaction information includes context information obtained independently of user input to the device;

selecting, at the device, one or more of the data records based on the transaction information; and

causing, at least in part, transmission of the selected one or more data records to an external entity via a short-range wireless connection.

18. A computer-readable storage medium of claim 17, wherein the selection of the one or more data records occurs independently of the transmission of the selected one or more data records to the external entity.

19. A computer-readable storage medium of claim 17, wherein the selected one or more data records are relevant for redemption via the external entity.

20. A computer-readable storage medium of claim 19, wherein the apparatus is caused to further perform:

causing, at least in part, presentation of one or more of the selected data records to the external entity; and

receiving an indication from the external entity that the presented one or more data records can be redeemed.