Device for acquiring and transferring data concerning payment means to a banking institution

• US 7,474,904 B1
• Filed: 10/11/1999
• Issued: 01/06/2009
• Est. Priority Date: 10/13/1998
• Status: Expired due to Fees

• Current Assignee: Orange S.A.
• Original Assignee: Orange S.A.
• Inventors: Junker, Christian, Million-Rousseau, Bruno
• Primary Examiner(s): Milord; Marceau
• Application Number:
  US09/807,544
• Time in Patent Office: 3,375 Days
• Field of Search: 455/556.1, 455/555, 455/557, 455/410, 455/406, 455/426.1, 379/196, 379/354, 379/114.17, 379/114.02, 379/114.16, 235/487, 235/381, 705/35
• US Class Current: 455/556.1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04M 11/066 Telephone sets adapted for data transmision

Abstract

A device acquires information relating to payment particulars and for transfer of this information to a server center of a banking organization. The device includes an apparatus for reading the payment particulars, a central processing unit to which the reading apparatus is connected, a modem for establishing a telephone link with the server center, and an apparatus for dialing telephone numbers such that the dialing apparatus is associated with the modem.

Claims

1. A device for acquiring information relating to payment means and for transferring this information to a server center of a banking organization, the device comprising:

means for reading the payment means,

a central processing unit to which the reading means are connected,

a first modem for establishing a first telephone link between the central processing unit and the server center,

first means for dialing telephone numbers, said first dialing means being associated with the first modem,

wherein the first means for dialing telephone numbers and the associated first modem consist of elements of wired telephony circuits, so that the device is able to be connected to a switched telephone network for establishing the first telephone link,

a second modem for establishing a second telephone link between the central processing unit and the server center,

second means for dialing telephone numbers, said second dialing means being associated with the second modem,

wherein the second means for dialing telephone numbers and the associated second modem consist of elements of wireless telephony circuits, so that the device is able to be connected to a wireless telephony network for establishing the second telephone link, and

a switching facility for selectively placing the central processing unit in communication with the first or second means for dialing telephone numbers such that the central processing unit may be selectively connected to the server center via the first telephone link of the second telephone link.

2. The device as claimed in claim 1, characterized in that the switching facility (36) consists of a switching facility which can be actuated manually by a user.

3. The device as claimed in claim 1, characterized in that the switching facility (36) comprises voltage detection means provided in a circuit for interfacing with a switched telephone network.

4. The device as claimed in claim 1, characterized in that it constitutes an electronic payment terminal.

5. An add-on system for being connected to a device for acquiring information relating to payment means and for transferring this information to a server center of a banking organization, the device comprising:

means for reading the payment means,

a central processing unit to which the reading means are connected,

a first modem for establishing a telephone link with the server center,

first means for dialing telephone numbers associated with the first modem,

wherein the first means for dialing telephone numbers and the associated first modem include elements of wired telephony circuits, so that the device is able to be connected to a switched telephone network for establishing the first telephone link,

said add-on system comprising, in a box separated from the device;

a circuit for emulating a switched telephone network, intended to be connected to the device,

means for detecting telephone numbers dialed by said first dialing means,

a second modem associated with the detecting means, so as to communicate with the first modem,

a third modem for establishing a second telephone link with the server center, said third modem being connected to the second modem,

second means for dialing telephone numbers, said second dialing means being associated with the third modem,

wherein the second means for dialing telephone numbers and the associated third modem include elements of wireless telephony circuits, so that the third modem is able to be connected to a wireless telephony network for establishing the second telephone link, and

means for matching the speeds of transmission of the data transmitted between the first and second means for dialing telephone numbers.

6. The add-on system as claimed in claim 5, wherein the matching means consist of means of temporary storage of the data.

7. The add-on system as claimed in claim 5, comprising a wireless link for connecting the emulating circuit to the first dialing means of the device.

8. The add-on system as claimed in claim 7, wherein said wireless link comprises an infrared link of the IrDA type.

9. The add-on system as claimed in claim 5, comprising a wireless telephone set connected to the third means for dialing telephone numbers.

10. The add-on system as claimed in claim 9, comprising a wireless link connecting the first means for dialing telephone numbers to the telephone set.

11. The add-on system as claimed in claim 10, wherein said wireless link comprises an infrared link of the IrDA type.

12. A system for acquiring information relating to payment means and for transferring this information to a server center of a banking organization, the system comprising a device comprising:

means for reading the payment means,

a central processing unit to which the reading means are connected,

a first modem for establishing a telephone link with the server center,

first means for dialing telephone numbers associated with the first modem,

wherein the first means for dialing telephone numbers and the associated first modem include elements of wired telephony circuits, so that the device is able to be connected to a switched telephone network for establishing the first telephone link,

an add-on system connected to the device in place of the switched telephone network, said add-on system comprising, in a box separated from the device;

a circuit for emulating a switched telephone network, connected to the device,

means for detecting telephone numbers dialed by said first dialing means,

a second modem associated with the detecting means, so as to communicate with the first modem,

a third modem for establishing a second telephone link with the server center, said third modem being connected to the second modem,

second means for dialing telephone numbers, said second dialing means being associated with the third modem,

wherein the second means for dialing telephone numbers and the associated third modem include elements of wireless telephony circuits, so that the third modem is able to be connected to a mobile phone for establishing the second telephone link, and

means for matching the speeds of transmission of the data transmitted between the first and second means for dialing telephone numbers.