Apparatus, and associated method, for loading a mobile terminal with an application program installed at a peer device

• US 6,941,270 B1
• Filed: 06/21/1999
• Issued: 09/06/2005
• Est. Priority Date: 06/21/1999
• Status: Expired due to Term

• Current Assignee: Nokia Technologies Oy (Nokia Corporation)
• Original Assignee: Nokia Corporation
• Inventors: Hannula, Esko
• Primary Examiner(s): Trammell, James P.
• Assistant Examiner(s): Abdi, Kambiz
• Application Number:
  US09/337,113
• Time in Patent Office: 2,269 Days
• Field of Search: 705/1, 705/76, 705/79, 705/26, 705/500, 713/201, 713/202, 713/155, 380/21, 380/25, 709/200, 709/230
• US Class Current: 705/76
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• 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 20/327 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: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 99/00 Subject matter not provided for in other groups of this subclass
• CPC Class Codes: G07F 17/16 for devices exhibiting advertisements, announcements, pictures or the like
• 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

Abstract

Apparatus, and an associated method, provides for selective downloading of an application program stored at a provider mobile terminal to a recipient mobile terminal. The application program includes indicia indicating costs for usage of the application program and the identity of an entity to whom charges accruing for use of the application program are to be credited. If monetary resources are determined to be available to the recipient mobile terminal for use of the application program, downloading of the application program to the recipient mobile terminal is effectuated. Thereafter, a connection is made to a payment account depository, such as by way of an Internet backbone, to effectuate electronic payment for use at the recipient mobile terminal of the application program.

Claims

1. Apparatus for a recipient mobile terminal for facilitating the selective copying of executable content from a provider mobile terminal to the recipient mobile terminal, the content including cost indicia and being executable at the provider mobile terminal, wherein the mobile terminals are peer devices, said apparatus comprising:

a recipient-terminal downloading connector selectably operable to effectuate a first communication link with the provider mobile terminal;

a credit payment indicator for containing at least an indicia of creditworthiness of a recipient-terminal user; and

a downloading controller coupled to said payment indicator and to said downloading connector, said downloading controller for;

permitting said recipient-terminal downloading connector to effectuate the first communication link with the provider mobile terminal;

determining whether the indicia of creditworthiness meets a selected threshold; and

effecting the copying of the content by way of the first communication link if the determination indicates the indicia of creditworthiness meets the selected threshold,

wherein the first communication link is a peer-to-peer communication link;

wherein said downloading controller is resident in the recipient mobile terminal.

2. The apparatus of claim 1 wherein the provider mobile terminal comprises a provider-terminal downloading connector and wherein said recipient-terminal downloading connector is engageable with the provider-terminal downloading connector.

3. The apparatus of claim 2 wherein a point-to-point connection the peer-to-peer communication link is formed between the provider mobile terminal and the recipient mobile terminal when said provider-terminal downloading connector engages with said recipient-terminal downloading connector.

4. The apparatus of claim 3 wherein said provider-terminal downloading connector and said recipient-terminal downloading connector each comprise executable downloader programs.

5. The apparatus of claim 1 wherein said recipient-terminal downloading connector comprises an downloader program executable at the recipient mobile terminal.

6. The apparatus of claim 1 wherein the third-party content executable at the provider mobile terminal comprises a selected application program selected from amongst a plurality of application programs and wherein said recipient-terminal downloading connector is actuable by the recipient-terminal user to select the selected application program from amongst the plurality of application programs.

7. The apparatus of claim 1 wherein said payment indicator is releasably engageable with the recipient mobile terminal, coupled to said downloading controller when engaged with the recipient mobile terminal.

8. The apparatus of claim 7 wherein the recipient mobile terminal further comprises a card-member receiving platform and wherein said payment indicator comprises a payment card containing the indicia of the creditworthiness of the recipient-terminal user stored thereon, said payment card releasably positionable at the card-member receiving platform to be coupled to said downloading controller when positioned thereat.

9. The apparatus of claim 1 wherein said payment indicator comprises electronic-wallet software executable at the recipient mobile terminal.

10. The apparatus of claim 1 wherein the selected threshold of creditworthiness is an indication that financial resources are available and at least equal to the cost indicia.

11. The apparatus of claim 1 wherein the content further has payment account depository indicia associated therewith, the payment account depository indicia indicating the location to which said recipient-terminal downloading connector is to effectuate the second communication link.

12. A method for facilitating the selective copying of executable content from a provider mobile terminal to a recipient mobile terminal that is a peer device of the provider mobile terminal, the content including cost indicia, and after copying to be executable at the recipient mobile terminal by a recipient mobile terminal user, said method comprising:

forming a first communication link between the recipient mobile terminal and the provider mobile terminal, wherein the first communication link is a peer-to-peer communication link;

comparing, in the recipient mobile terminal, the indicia of creditworthiness with the cost indicia to determine whether at least a selected threshold of creditworthiness has been met; and

downloading the content by way of the first communication link to the recipient mobile terminal if the indicia of creditworthiness is determined to be at least the selected threshold.

13. The method of claim 12 wherein the selected threshold of the indicia of creditworthiness is based on whether the user has available financial resources equal to the cost indicia.

14. The method of claim 12 comprising the additional operation, prior to said operation of comparing, to provide the indicia of creditworthiness to the recipient mobile terminal.

15. The method of claim 14 wherein said operation of providing the indicia of creditworthiness to the recipient mobile terminal comprises positioning a payment card containing the indicia of creditworthiness therein at the recipient mobile terminal.

16. The method of claim 14 wherein the indicia of creditworthiness comprises a part of electronic-wallet software executable at the recipient mobile terminal and wherein said operation of providing comprises updating the part of the electronic-wallet software.

17. The method of claim 12 wherein the content itself has proprietor indicia associated therewith, the proprietor indicia indicating a payee entity to whom a charge associated with execution of the content is selectably to accrue, and wherein said method further comprises the operations of:

terminating the first communication link;

forming a second communication link between the recipient mobile terminal and a payment account depository associated with the payee entity;

debiting the indicia of creditworthiness for the content downloaded to the recipient mobile terminal; and

crediting the payment account correspondingly.

18. A method for distributing content using a plurality of mobile peer devices, each mobile peer device operable in a communication network, said method comprising the steps:

installing the content in a first mobile peer device, the content being associated with ownership indicia, wherein the ownership indicia comprises cost indicia and payment indicia;

receiving, in the first mobile peer device, a request from a second mobile peer device for the ownership indicia associated with the content;

transmitting the ownership indicia from the first mobile peer device to the second mobile peer device;

comparing the cost indicia to creditworthiness indicia associated with the second mobile peer device to determine of the creditworthiness indicia meets a selected threshold; and

copying the content directly from the first mobile peer device to the second mobile peer device via a peer-to-peer communication link if the comparing step at the second mobile peer device determines that the threshold has been met.

19. The method of claim 18, further comprising the step of effecting payment for the content through the communication network as indicated by the payment indicia.

20. The method of claim 19, wherein the step of effecting payment through the communication network comprises the step of debiting the creditworthiness indicia in an amount corresponding to the cost indicia.

21. The method of claim 18, wherein the peer devices operable in a communication network are mobile terminals operable in a mobile telecommunication network.

22. The method of claim 18, further comprising the step of executing the content at the first peer device.