Electronic transactions

• US 7,885,686 B2
• Filed: 02/26/2002
• Issued: 02/08/2011
• Est. Priority Date: 03/02/2001
• Status: Active Grant

• Current Assignee: Nokia Technologies Oy (Nokia Corporation)
• Original Assignee: Nokia Corporation
• Inventors: Cofta, Piotr, Markkanen, Panu S., Piikivi, Lauri, Saukkonen, Topi, Hyyppa, Petri
• Primary Examiner(s): Eng; George
• Assistant Examiner(s): Iqbal; Khawar
• Application Number:
  US10/083,169
• Publication Number:
  US 20020187772A1
• Time in Patent Office: 3,269 Days
• Field of Search: 455/406, 455/407, 455/410, 455/414.1, 455/558, 455/466, 455/411, 455/414.3, 455/416, 455/418, 455/420, 707/100, 705/67, 705 40- 42, 709/200
• US Class Current: 455/558
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use

Abstract

A method of accomplishing a transaction by a user equipment. Transaction information is inserted in at least one data field of an information entity that associates with the transaction based on information available at the user equipment. The information entity is then transmitted from the user equipment over a wireless interface. The insertion may require authorisation. The insertion may occur automatically in response to a predefined event.

Claims

1. A method comprising:

causing, at least in part, reception of at a user equipment of an information entity including data fields;

verifying internally at said user equipment, at least in part on the basis of an identification code associated with the user equipment, that automatic insertion of information into at least one of said data fields of said information entity is allowed, the identification code being a mobile equipment identity code assigned by a manufacturer of the user equipment;

when automatic insertion of information is allowed, automatically inserting at the user equipment information into at least one data field of the information entity based on information available at the user equipment; and

causing, at least in part, transmission of the information entity with said automatically inserted information from the user equipment over a wireless interface,

wherein the user equipment is a mobile phone.

2. A method as claimed in claim 1, wherein at least part of the information automatically inserted in the information entity is obtained from a storage unit provided at the user equipment or from another information entity available for the user equipment.

3. A method as claimed in claim 1, wherein the information is automatically inserted by a transaction processing unit of the user equipment in a predefined manner and in accordance with predefined instructions that define the information that is to be inserted in the information entity in response to an event.

4. A method as claimed in claim 1, wherein said information entity is a standardized data entity.

5. A method as claimed in claim 4, wherein said data entity is based on the Electronic Commerce Modeling Language or an electronic data card format.

6. A method as claimed in claim 5, wherein the electronic data card format comprises an electronic business card.

7. A method as claimed in claim 1, comprising communicating transaction information via an interface that is based on at least one of the following:

short message service (SMS);

wireless application protocol (WAP);

interne protocol (IP);

a short range radio link;

a proximity card type interface;

or an infrared link.

8. A method as claimed in claim 7, comprising receiving the information entity via a first type of interface and returning the information entity via a second type of interface.

9. A method as claimed in claim 1, wherein the user equipment communicates with a base station of a cellular communication network.

10. A method according to claim 1, wherein the information entity is a form, and the form is selected from the group consisting of a billing details form and a shipping details form.

11. A method according to claim 1, wherein the information automatically inserted into the information entity comprises at least one of:

name;

address;

credit card number;

telephone number; and

passport number.

12. A method as claimed in claim 1, further comprising enabling the service provider to indicate a selected one of options including acceptance and rejection of the information supplied for inclusion in a form based on a comparison of the identification code to a record of codes.

13. A method as claimed in claim 1, wherein the information automatically inserted is available internally at the user equipment without accessing an external database external to the user equipment.

14. A method as claimed in claim 1, wherein the identification code is input when the user equipment is switched on, the automatic insertion of information is kept in an authorized state as along as the user equipment is on.

15. A method as claimed in claim 1, wherein the information entity is verified every time prior to automatically insertion of the information.

16. A method as claimed in claim 1, wherein the identification code is input by a user of the user equipment.

17. A method as claimed in claim 1, wherein the identification code is stored in the user equipment.

18. A method as claimed in claim 1, wherein the identification code is globally unique.

19. A method as claimed in claim 1, wherein the identification code is an international mobile equipment identity (IMEI).

20. A method as claimed in claim 1, further comprising:

verifying internally at the user equipment, at least in part on the basis of an input derived from a user, that the automatic insertion of information into at least one of the data fields of the information entity is allowed by the user.

21. A method as claimed in claim 1, further comprising:

purchasing an entrance ticket via the wireless interface from a ticket issuer; and

redeeming the ticket at an entrance gate by using of the user equipment as an authorization device for the entrance gate.

22. A method as claimed in claim 1, further comprising:

detecting that information required in another information entity available in the information entity;

verifying internally at the user equipment that automatic insertion of the required information into at least one of the data fields of the other information entity is allowed; and

when automatic insertion of the required information is allowed, automatically inserting the required information into the at least one data field of the other information entity based on the required information available in the information entity.

23. A method as claimed in claim 22, wherein the automatic insertion of the required information of the information entity into the other information entity is conditioned upon that the information entities are associated with an identical service provider.

24. A method as claimed in claim 1, wherein the user equipment independently verifies, on the basis of the identification code associated with the user equipment, that automatic insertion of information into at least one of the data fields of the information entity is allowed.

25. An apparatus comprising:

at least one processor; and

at least one memory including computer program code,

the at least one memory and the computer program code configured to, with the at least one processor, cause the apparatus to perform at least the following,

cause, at least in part, reception of an information entity including data fields;

verify internally at said apparatus, at least in part on the basis of an identification code associated with the user equipment, that automatic insertion of information into at least one of said data fields of said information entity is allowed, the identification code being mobile equipment identity code assigned by a manufacturer of the user equipment;

when automatic insertion of information is allowed, automatically insert at the apparatus information into at least one of said data fields of the information entity; and

cause, at least in part, transmission of the information entity with said automatically inserted information from the apparatus to a co-operative device over a wireless interface,

wherein the apparatus is a mobile phone.

26. An apparatus as claimed in claim 25, wherein the apparatus is further caused to store information, and to fetch information from said storage unit and to insert said information from the storage unit into the information entity.

27. An apparatus as claimed in claim 25, wherein the apparatus is further caused to obtain information from at least one other information entity and to insert said information from the at least one other information entity into said information entity that is the subject of the information insertion procedure.

28. An apparatus according to claim 25, wherein the information entity is a form.

29. A method comprising:

causing, at least in part, reception of at a user equipment of an information entity including data fields;

verifying internally at the user equipment, at least in part on the basis of an identification code associated with the user equipment, that automatic insertion of information into at least one of the data fields of the information entity is allowed, the identification code being a mobile subscriber identity code assigned by a mobile service operator to a subscriber during initiation of the user equipment;

when automatic insertion of information is allowed, automatically inserting at the user equipment information into at least one data field of the information entity based on information available at the user equipment; and

causing, at least in part, transmission of the information entity with the automatically inserted information from the user equipment over a wireless interface,

wherein the user equipment is a mobile phone.

30. A method as claimed in claim 29, wherein the identification code is globally unique.

31. A method as claimed in claim 29, wherein and the identification code is an international mobile subscriber identity (IMSI).

32. A method as claimed in claim 29, wherein the user equipment independently verifies, on the basis of the identification code associated with the user equipment, that automatic insertion of information into at least one of the data fields of the information entity is allowed.