System and method of making payments using an electronic device cover with embedded transponder

• US 7,155,199 B2
• Filed: 01/06/2004
• Issued: 12/26/2006
• Est. Priority Date: 02/15/1995
• Status: Expired due to Term

• Current Assignee: RPX Corporation
• Original Assignee: Nokia Mobile Phones UK Limited (Nokia Corporation)
• Inventors: Shaw, Steven A., Roberts, Randall C., Pennington, Michael C, Zalewski, Thomas W.
• Primary Examiner(s): Nguyen, Simon
• Application Number:
  US10/752,360
• Publication Number:
  US 20050017068A1
• Time in Patent Office: 1,085 Days
• Field of Search: 455557-558, 455405-408, 455/348, 455/419, 455/41.2, 455/517, 455/575.1, 455/90.3
• US Class Current: 455/403
• 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 changeable cover for an electronic device and method of using same in a payment system is provided. The cover has a transponder responsive to interrogation by an electric field. The cover provides an electronic identification number and other information in response to the interrogation signal. Also provided is a system for making payments, comprising at least one mobile station (4) which has an associated cover (100) for providing local data transfer. The system also comprises at least one point of sale terminal or the like, which has a second transceiver for providing data transfer.

Claims

1. A system for effecting payments, wherein the system comprises:

at least one mobile station comprising;

an application,

means for using the application, and

a removable non-planar external cover module removably attached to said mobile station comprising;

a main face, having an upper surface which is exposed when said removal non-planar cover is removably attached to said mobile station;

a plurality of wall elements joining said main face at its edge wherein said main face and at least portions of said wall elements define a receivable cavity for receiving said mobile station; and

transponder for providing for local data transfer;

wherein said system for effecting payments further comprises;

at least one payment reception terminal which has a second means for providing local data transfer, said second means for providing local data transfer being coupled to said first means forproviding local data transfer through a wireless interface; and

wherein the application comprises means for transferring data between the first means for providing local data transfer and the second means for providing local data transfer through said wireless interface, for registering a payment transaction in the payment reception terminal.

2. The system of claim 1, wherein the at least one payment reception terminal is a parking meter.

3. The system of claim 1, wherein the at least one payment reception terminal is a point of sale terminal.

4. The system of claim 1, wherein the at least one payment reception terminal is a kiosk.

5. The system of claim 1, wherein the at least one payment reception terminal is a fuel pump.

6. A method for operating a payment system that includes a first user terminal and a second terminal, the first user terminal having at least one application, the method comprising the steps of:

providing the first user terminal with user identification by attaching to the first user terminal a removal non-planer cover having a transponder for providing for local data transfer and user identification information;

establishing a communication link from the at least one application to the

second terminal Through a wireless interface;

receiving a menu message on said first user terminal comprising a plurality of items for selection;

selecting one or more items from said plurality of items;

sending a selection message comprising information regarding said selected items to said second terminal;

receiving an amount to pay message on first user terminal in response to said selection message, said amount to pay message comprising transaction information;

entering information into the first user terminal specifying that a payment be made from the first user terminal to the second terminal;

establishing a communication link from the at least one application to the second terminal through an electromagnetic induction interrogator; and

registering a payment transaction with the second terminal and the at least one application.

7. The method of claim 6, wherein said purality of items are food items.

8. The method of claim 6, wherein . . . being presented.

9. The method of claim 6 wherein the step of entering information into the first user terminal specifying that a payment be made from the first user terminal to the second terminal further comprising accessing an account using the user identification information.

10. The method of claim 6 wherein the removal non-planer cover also has digital data representing a digital cash balance and wherein the Step of entering information into the first user terminal specifying that a payment be made from the first user terminal to the second terminal further comprising deducting the amount to pay from the digital cash balance.