APPARATUS AND METHOD FOR COMMERCIAL TRANSACTIONS USING A COMMUNICATION DEVICE
1 Assignment
0 Petitions
Accused Products
Abstract
An apparatus for commercial transactions using a transaction card via a communication device in audio communication with a remote processor assembly is provided. The apparatus comprises an input device for capturing information from the transaction card, a controller for converting the captured card information into an audio signal. The controller is linked to the communication device. The apparatus may also be part of an assembly wherein this controller is part of the communication device. The remote processor assembly includes a transaction server linked to a remote processor/issuer for validating the transaction card data. A system including this apparatus, the communication device and the transaction server is also provided. Methods therefore are also disclosed. The input device captures the card information that is converted to an audio signal by the controller and transmitted to the transaction server via the communication device for being converted to an appropriate signal to be transmitted to the remote processor/issuer for validation thereof. The validation information is sent back to the apparatus providing feedback to the user. The transaction server translates the signal received by the remote processor/issuer into an audio signal and sends it to the controller via the communication device for conversion to an appropriate format.
1 Citation
24 Claims
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1-20. -20. (canceled)
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21. A portable smart card reader device for reading a smart card having recorded information stored on an integrated circuit incorporated into the card, the device comprising:
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a sensor for reading said recorded information stored on said integrated circuit incorporated into said card and for producing an analog signal indicative of the recorded information, said sensor including circuitry for converting said analog signal to an encrypted signal suitable for transmission to a jack of a mobile communication device; and an output jack adapted to be inserted into a jack associated with said mobile communication device for providing the encrypted signal indicative of the recorded information to said mobile communication device for transmission to a transaction server for further processing. - View Dependent Claims (23)
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22. A method for reading a smart card having recorded information stored on an integrated circuit incorporated into the card, the method comprising the steps of:
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providing a portable card reader device comprising a sensor for reading the recorded information stored on the integrated circuit, and an output jack adapted to be inserted into a jack associated with a mobile communication device; wherein said portable card reader device produces an encrypted analog signal indicative of the recorded information stored on said integrated circuit;
said encrypted analog signal suitable for transmission to said jack of said mobile communication device;providing said encrypted analog signal indicative of the recorded information stored on the integrated circuit to said mobile communication device for further processing by circuitry contained in said mobile communication device; and transmitting said signal to a transaction server for further processing. - View Dependent Claims (24)
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Specification