Method for using applications in a mobile station, a mobile station and a system for effecting payments

• US 5,887,266 A
• Filed: 02/07/1996
• Issued: 03/23/1999
• Est. Priority Date: 02/15/1995
• Status: Expired due to Term

• Current Assignee: Nokia Technologies Oy (Nokia Corporation)
• Original Assignee: Nokia Mobile Phones UK Limited (Nokia Corporation)
• Inventors: Rautiola, Markku, Heinonen, Petri, Terho, Mikko, Marttila, Matti J.
• Primary Examiner(s): Bost, Dwayne D.
• Assistant Examiner(s): GELIN, JEAN ALLAND
• Application Number:
  US08/597,845
• Time in Patent Office: 1,140 Days
• Field of Search: 455/406, 455/407, 455/558, 455/557, 455/403, 455/409, 455/575, 455/419, 379/91.03, 379/357, 379/56.3, 379/144, 235/380
• US Class Current: 455/558
• CPC Class Codes: G06Q 10/02 Reservations, e.g. for tickets, services or events
• 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 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• 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 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• 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 20/3278 RFID or NFC payments by means of M-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 20/349 Rechargeable cards
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/425 : using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 17/24 : for parking meters
• CPC Class Codes: G07F 7/0866 : by active credit-cards adapted therefor G07F7/1008 takes precedence
• 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: G07G 1/12 : electronically operated digital data processing aspects G06Q20/00
• CPC Class Codes: H04M 1/72403 : with means for local support of applications that increase the functionality
• CPC Class Codes: H04M 1/72412 : using two-way short-range wireless interfaces
• CPC Class Codes: H04M 15/00 : Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
• CPC Class Codes: H04M 15/68 : Payment of value-added services
• 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 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 2250/14 : including a card reading device
• CPC Class Codes: H04W 4/24 : Accounting or billing
• CPC Class Codes: H04W 88/02 : Terminal devices

Abstract

A method is provided for using an application (18) in a mobile station (1). The application has a first mode of operation and a second mode of operation. The first mode of operation is passive. In the second mode of operation the application (18) controls a master control unit (MCU) of the mobile station (1). Also provided is a system for making payments, comprising at least one mobile station (1) which has an associated application (18), a component for using the application (18), and a first transceiver (IR, 20, RF) for providing local data transfer. The system also comprises at least one cash register (21) or the like, which has a second transceiver for providing data transfer (IR2). The application (18) has a capability for causing data to be transferred from the first transceiver (IR) to the second transceiver (IR2).

Claims

1. A method for using an application in a mobile station for wireless communication, the mobile station comprising a master control unit (MCU) for implementing mobile station functions, the mobile station further comprising wireless communication means for providing wireless communication, wherein the application has a first mode of operation and a second mode of operation, whereby the first mode of operation is passive and in the second mode of operation the application controls the MCU, wherein the MCU of the mobile station has a normal operating mode, during which the MCU performs control operations, and an application operating mode during which the MCU is controlled by the application, and wherein the MCU controls switching of the MCU between the normal operating mode and the application operating mode.

2. A method in accordance with claim 1, wherein the application is a cash card application.

3. A method in accordance with claim 1, wherein the application is a payment card application.

4. A method in accordance with claim 1, wherein the application is a credit card application.

5. A method in accordance with claim 1, wherein while the application is in the second mode of operation, the mobile station communicates with another mobile station using a first means of data transfer.

6. A method in accordance with claim 1, wherein the MCU is controlled using AT commands.

7. A method in accordance with claim 1, wherein the application includes one of a power-up-type application, a menu type application, and an automatic type application.

8. A method as set forth in claim 1, wherein while the application is operating in the second mode of operation and the MCU is operating in the application operating mode, the application controls the MCU in accordance with command information communicated by the application to the MCU.

9. A method as set forth in claim 1, wherein the application is incorporated in an external application module that is attachably coupled to the MCU.

10. A method as set forth in claim 9, wherein there is also at least one of a SIM card and another external application module coupled to the MCU.

11. A method as set forth in claim 9, wherein the external application module includes a plurality of separate applications.

12. A method as set forth in claim 1, wherein the application is included in a SIM module.

13. A method as set forth in claim 1, wherein the application is incorporated in one of a plurality of external application modules that are coupled to the MCU, wherein while the application is operating in the first mode of operation, the application provides messages to at least one other application included in at least one of the plurality of external application modules, and controls at least one operational component of the mobile station.

14. A method as set forth in claim 1, wherein while the application is operating in the second mode of operation and the MCU is operating in the application operating mode, further steps are performed of:

providing data from the application to the MCU; and

in response to the MCU receiving the data from the application, the MCU controlling a transmitting means of the mobile station so as to transmit the data from the mobile station to at least one of an external local receiver and an external communications network.

15. A method as set forth in claim 1, wherein the application includes at least one of a timetable information application, an exchange rate information application, and a stock information application.

16. A method as set forth in claim 1, wherein the mobile station includes an input user interface that is coupled to the MCU, and wherein while the MCU is operating in the application operating mode and the application is operating in the second mode of operation, further steps are performed of:

a user operating the input user interface for inputting information into the MCU; and

the MCU forwarding the information to the application in response to an occurrence of one of the operating step and the MCU receiving a request for the information from the application.

17. A method as set forth in claim 1, wherein while the MCU is operating in the application operating mode and the application is operating in the second mode of operation, a further step is performed of the application controlling the MCU for establishing a data transfer connection with a receiving station.

18. A method as set forth in claim 1, wherein the mobile station includes an input user interface coupled to the MCU and a display device coupled to the MCU, and wherein while the MCU is operating in the application operating mode and the application is operating in the second mode of operation, further steps are performed of:

a user operating the input user interface for inputting information into the MCU specifying that a particular menu function be entered;

receiving t he inputted information at the MCU;

wherein when the MCU receives the inputted information, forwarding the inputted information from the MCU to the application; and

wherein when the application receives the inputted information from the MCU, the application performs a step of commanding the MCU to present a menu-related message to the user via the display.

19. A method as set forth in claim 1, wherein the mobile station includes an input user interface coupled to the MCU, a memory coupled to the MCU, and an output user interface coupled to the MCU, and wherein while the MCU is operating in the application operating mode and the application is operating in the second mode of operation, further steps are performed of:

a user operating the input user interface for inputting information into the MCU requesting that status information stored in the memory be provided to the user, the status information relating to a user account;

receiving the inputted information at the MCU;

wherein when the MCU receives the inputted information, forwarding the inputted information from the MCU to the application; and

wherein when the application receives the inputted information from the MCU, the application performs steps of;

retrieving the status information from the memory; and

commanding the MCU to control the output user interface so as to present the status information to the user as a text message.

20. A method as set forth in claim 1, wherein the mobile station includes an input user interface that is coupled to the MCU and a transmitter that is coupled to the MCU, and wherein while the MCU is operating in the application operating mode and the application is operating in the second mode of operation, further steps are performed of:

a user operating the input user interface for inputting information into the MCU;

receiving the inputted information at the MCU;

wherein when the MCU receives the inputted information, forwarding the inputted information from the MCU to the application; and

wherein when the application receives the inputted information from the MCU, the application performs a step of commanding the MCU to control the transmitter so as to transmit a Short Message Service (SMS) message to a receiving destination.

21. A mobile station which has means for using an application, wherein the mobile station also comprises:

a master control unit (MCU) coupled to said application, said MCU normally operating in a first, master control state for controlling operations of the mobile station, said MCU being switchable for operating in a second, slave state;

means for setting the application in a first mode of operation; and

means for setting the application in a second mode of operation;

wherein said MCU controls the switching of said MCU from said first, master control state to said second, slave state upon said application being set in said second mode of operation, and wherein in the second, slave state said MCU operates under the control of said application.

22. A mobile station in accordance with claim 21, wherein the mobile station also comprises means for providing infrared data transfer.

23. A mobile station in accordance with claim 21, wherein the mobile station also comprises means for connecting the mobile station to a computer.

24. A mobile station in accordance with claim 21, wherein the mobile station is a GSM mobile phone.

25. A mobile station in accordance with claim 21, wherein said application includes means for controlling said MCU while said application is operating in said second mode of operation and said MCU is operating in said second, slave state.

26. A method for operating a user terminal, the method comprising the steps of:

providing the user terminal with a controller, the controller normally operating in a first, master control state, the controller being switchable for operating in a second, slave state, wherein in the first, master control state, the controller operates as a master controller for controlling operations of the user terminal;

coupling at least one external application module to the MCU, the at least one external application module including at least one application that normally resides in a first, passive mode, the at least one application being controllable for operating in a second, active mode;

activating the at least one application so as to cause the at least one application to operate in the second, active mode; and

in response to the activating step, switching the operation of the controller from the first, master control state to the second, slave state, wherein in the second, slave state the controller operates under the control of the at least one application.

27. A method as set forth in claim 26, wherein the step of activating is performed in response to the user terminal being powered on.

28. A method as set forth in claim 26, wherein the step of activating is performed in response to the performance of the coupling step.

29. A method as set forth in claim 26, wherein the step of activating is performed in response to an occurrence of a predefined event.

30. A method as set forth in claim 29, wherein the predefined event includes a receipt by the user terminal of a message.

31. A method as set forth in claim 26, wherein the step of activating is performed in response to a user of the user terminal entering information into the user terminal specifying that the at least one application operate in the second, active mode.

32. A method as set forth in claim 26, wherein the at least one application includes a cash card application.

33. A method as set forth in claim 26, wherein the at least one application includes a payment card application.

34. A method as set forth in claim 26, wherein the at least one application includes a credit card application.

35. A method as set forth in claim 26, wherein the at least one external application module is a SIM module.

36. A method as set forth in claim 26, wherein the user terminal includes a plurality of user interface components, and wherein prior to the performance of the switching step, steps are performed of:

the MCU querying the at least one application for obtaining information specifying which ones of the user interface components are required by the at least one application; and

in response to both the activating step and the MCU receiving the information from the at least one application, performing the step of switching.

37. A method as set forth in claim 26, wherein prior to the performance of the activating step, steps are performed of:

performing an operation for determining whether or not a user of the user terminal is authorized to operate the user terminal; and

in response to determining that the user is authorized to operate the user terminal, performing the activating step.

38. A method as set forth in claim 26, wherein information indicating a balance of a user account is stored in an external storage device, and wherein further steps are performed of:

a user entering information into the user terminal requesting that the information indicating the balance of the user account be retrieved from the external storage device;

in response to the user terminal receiving the userentered information, communicating a message from the user terminal to the external storage device requesting that the information indicating the balance of the user account be provided to the user terminal; and

providing the information indicating the balance of the user account from the external storage device to the user terminal.

39. A method as set forth in claim 26, wherein the at least one application relates to a first user account having a first balance, wherein an external storage location stores a second user account having a second balance, and wherein further steps are performed of:

the user terminal communicating with the external storage location so as to transfer at least a portion of the first balance to the second user account stored in the external storage location; and

decreasing the first balance by an amount that is equal to the portion of first balance transferred to the second user account.

40. A method as set forth in claim 26, wherein the at least one application relates to a first user account having a first balance, wherein an external storage location stores a second user account having a second balance, and wherein further steps are performed of:

the user terminal communicating with the external storage location so as to retrieve at least a portion of the second balance from the second user account stored in the external storage location; and

increasing the first balance by an amount that is equal to the portion of second balance retrieved from the second user account stored in the external storage location.

41. A method as set forth in claim 26, wherein the at least one application includes a cash card application having an account balance, and wherein further steps are performed of:

a user entering information into the user terminal specifying that a payment be made from the account balance to an external terminal; and

in response to the performance of the entering step, the user terminal communicating with the external terminal so as to effect a payment transaction with the external terminal.

42. A method as set forth in claim 41, and further comprising a step of decreasing the account balance by an amount of said payment transaction.

43. A method as set forth in claim 41, wherein the step of communicating is performed through at least one of an IR communication link, an ultrasound communication link, an electromagnetic link, and a radio link.

44. A method as set forth in claim 26, and further comprising the steps of:

the at least one application forwarding telephone number information to the MCU; and

in response to the MCU receiving the telephone number information, establishing a call from the user terminal to a destination.

45. A control device, comprising:

a controller;

a memory that is bidirectionally coupled to the controller, said memory storing an operating program for the control device; and

means, coupled to said controller, for coupling said controller to a master control unit (MCU) of an external user terminal, said controller operating under the control of the operating program stored in said memory, said operating program having a first, passive mode and a second, active operating mode, said MCU being controllable by said MCU for switching from a first, master control state to a second, slave state upon said operating program switching from said first, passive mode to said second, active operating mode, wherein in the first, master control state, the MCU controls operating functions of the user terminal, and in the second, slave state the MCU operates under the control of said controller for controlling the operating functions of said external user terminal.

46. A control device as set forth in claim 45, wherein the operating program relates to a plurality of separate applications.

47. A control device as set forth in claim 45, wherein the control device is a SIM module.

48. A control device as set forth in claim 45, wherein the operating program relates to a cash card application.

49. A control device as set forth in claim 45, wherein the operating program relates to a payment card application.

50. A control device as set forth in claim 45, wherein the operating program relates to a credit card application.