Wireless Mobile Transaction System and the Procedure for Carrying Out Transactions with a Mobile Phone

Abstract

A method of carrying wireless mobile transactions, includes starting an application at a mobile terminal, receiving, at said mobile terminal, input indicative of a selected mode of communication between said mobile terminal and a transaction terminal, establishing a packet data connection between said mobile terminal and a transaction processing center, examining a security certificate retrieved from a storage element within said mobile terminal or a personal identification number (PIN) input and transmitting transaction data between said transaction processing centre and said transaction terminal, wherein at least part of said transaction data is transmitted between said transaction processing center and said transaction terminal through said mobile terminal, wherein data between said mobile terminal and said transaction terminal is transmitted in accordance with said selected mode of communication, sound modulating and acoustically reproducing transaction data received at said mobile terminal for said transaction terminal. A wireless mobile transition system is also described.

What is claimed is: 
     
         1 . A method of carrying wireless mobile transactions, comprising:
 starting an application at a mobile terminal;   receiving, at said mobile terminal, input indicative of a selected mode of communication between said mobile terminal ( 1 . 1 ) and a transaction terminal;   establishing a packet data connection between said mobile terminal and a transaction processing center;   examining a security certificate retrieved from a storage element within said mobile terminal or a personal identification number (PIN) input by a user to determine if said security certificate can be verified, if said packet data connection has been successfully established; and   transmitting transaction data between said transaction processing centre and said transaction terminal, if said security certificate is verified;
 wherein at least part of said transaction data is transmitted between said transaction processing center and said transaction terminal through said mobile terminal, 
 wherein data between said mobile terminal and said transaction terminal is transmitted in accordance with said selected mode of communication; 
 wherein said selected mode of communication between said mobile terminal and said transaction terminal is acoustic coupling, further comprising, at said mobile terminal, sound modulating and acoustically reproducing transaction data received at said mobile terminal for said transaction terminal. 
   
     
     
         2 . A method of carrying wireless mobile transactions, comprising:
 starting an application at a mobile terminal;   receiving, at said mobile terminal, input indicative of a selected mode of communication between said mobile terminal ( 1 . 1 ) and a transaction terminal;   establishing a packet data connection between said mobile terminal and a transaction processing center;   examining a security certificate retrieved from a storage element within said mobile terminal or a personal identification number (PIN) input by a user to determine if said security certificate can be verified, if said packet data connection has been successfully established; and   transmitting transaction data between said transaction processing centre and said transaction terminal, if said security certificate is verified;   wherein at least part of said transaction data is transmitted between said transaction processing center and said transaction terminal through said mobile terminal,   wherein data between said mobile terminal and said transaction terminal is transmitted in accordance with said selected mode of communication;
 transferring transaction data in the direction from said transaction processing center to said transaction terminal via a wireless connection including UMTS, GPRS and/or WLAN to said mobile terminal and processing said transaction data at said mobile terminal for further transmission, and further transferring said transaction data from said mobile terminal to said transaction terminal in accordance with said selected mode of communication; and 
 wherein the wireless connection is UMTS, GPRS or WLAN. 
   
     
     
         3 . A wireless mobile transaction system, comprising:
 a mobile terminal, a transaction terminal, and a transaction processing center,   wherein the mobile terminal comprises a mobile application with graphical user interface and with capability to control one or more of the mobile terminal's data transmission modules, and which has access to a secure memory element of the mobile terminal;   wherein the mobile terminal is configured for   (a) receiving input indicative of a mode of communication between said mobile terminal and said transaction terminal;   (b) establishing a packet data connection between said mobile terminal and a transaction processing center;   (c) if said packet data connection has been successfully established, examining a security certificate retrieved from said secure memory element or a personal identification number (PIN) input by a user; or, if said security certificate is verified, adapting the mobile terminal and the transaction processing center for transaction data transmission;   wherein the mobile terminal is configured such that at least part of said transaction data is transmitted between said transaction processing center and said transaction terminal through said mobile terminal, wherein data between said mobile terminal and said transaction terminal is transmitted in accordance with said selected mode of communication; and   a special application for carrying out the transaction on the mobile phone which can operate on any mobile platform that enables installing applications with access to a sound encoder or to one or several short-range wireless communication technologies, and control over one of the wireless packet connections.   
     
     
         4 . A wireless mobile transaction system, comprising:
 a mobile terminal, a transaction terminal, and a transaction processing center,   wherein the mobile terminal comprises a mobile application with graphical user interface and with capability to control one or more of the mobile terminal's data transmission modules, and which has access to a secure memory element of the mobile terminal;   wherein the mobile terminal is configured for   (a) receiving input indicative of a mode of communication between said mobile terminal and said transaction terminal;   (b) establishing a packet data connection between said mobile terminal and a transaction processing center;   (c) if said packet data connection has been successfully established, examining a security certificate retrieved from said secure memory element or a personal identification number (PIN) input by a user; or, if said security certificate is verified, adapting the mobile terminal and the transaction processing center for transaction data transmission;   
       wherein the mobile terminal is configured such that at least part of said transaction data is transmitted between said transaction processing center and said transaction terminal through said mobile terminal, wherein data between said mobile terminal and said transaction terminal is transmitted in accordance with said selected mode of communication; and
 wherein the mobile application comprises functions for implementation of the acoustic modulator and demodulator and levels of control over sending, receiving, confirming and verifying data packets sent through the acoustic coupling.