WO1999045720A1 - Virtual credit card access device for mobile communication equipment - Google Patents

Virtual credit card access device for mobile communication equipment Download PDF

Info

Publication number
WO1999045720A1
WO1999045720A1 PCT/US1999/003713 US9903713W WO9945720A1 WO 1999045720 A1 WO1999045720 A1 WO 1999045720A1 US 9903713 W US9903713 W US 9903713W WO 9945720 A1 WO9945720 A1 WO 9945720A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
data
communications device
credit card
new
Prior art date
Application number
PCT/US1999/003713
Other languages
French (fr)
Inventor
Kenneth S. Bailey
Original Assignee
Bailey Kenneth S
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Bailey Kenneth S filed Critical Bailey Kenneth S
Priority to AU27774/99A priority Critical patent/AU2777499A/en
Priority to EP99908312A priority patent/EP1023812A4/en
Publication of WO1999045720A1 publication Critical patent/WO1999045720A1/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G07C9/257—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition electronically
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F9/00—Details other than those peculiar to special kinds or types of apparatus
    • G07F9/009—User recognition or proximity detection

Definitions

  • This invention relates generally to wireless communication systems, and in particular, to A method for paying for the usage of the equipment, including call charges attendant to.
  • FIG. 1 illustrates a wireless communication system in accordance with the present invention as fully described herein.
  • FIG. 2 illustrates a logic diagram that may be used to implement the present invention.
  • the present invention provides a method and apparatus for accessing a mobile communications device, such as a car telephone or other rental communications equipment, by utilizing a virtual (electronic account accessing ) device.
  • a mobile communications device such as a car telephone or other rental communications equipment
  • a virtual (electronic account accessing ) device This is accomplished by providing a proximity key chain device, attached to the keys of the vehicle that contains information about the user and at the same time is only accessed at such time as the user is within close proximity to the RF receiving unit located at or within the vehicle itself.
  • the access may be either voluntary (by the push of a button), or involuntary, by automatic excitation of the RF transmitter by the receiving unit, once the proximity range has been met.

Abstract

A method for transferring, storing and updating user credit card data using a proximity device (wireless key) via a communication unit (comm. unit) relayed via relay transceiver (rear view mirror transceiver).

Description

VIRTUAL CREDIT CARD ACCESS DEVICE FOR MOBILE COMMUNICATION EQUIPMENT
Field of the invention
This invention relates generally to wireless communication systems, and in particular, to A method for paying for the usage of the equipment, including call charges attendant to.
BACKGROUND OF THE INVENTION
Almost since the inception of wireless communications devices, a niche market has emerged, for the occasional or ad-hoc usage of communications devices such as fax machines, telephones, or pagers, either in flight (GTE Airphone), at the airport (Kiosk facsimile machines), or in automobiles (Share-Technologies credit card telephones). The problem has always been in how to collect for the usage, and return to the customer A receipt for goods or services usage along with an itemized accounting.
Earlier both 3 -watt bag phones and hand-held communications devices have been rented at airports in vending machines (Sims Communications, Inc., etc.) wherein the call or usage charges were estimated in advance of incurance, so that the owner of the equipment could pre-debit the users credit card account, thereby insuring future payment of the account. Itemized statements were sometimes available later and otherwise lumped together as a combined accounting statement. Later I the case of the GTE Airphone and GTE rental car phones, the customer was required to slide his card through a slot in the telephone unit, each time a call was to be placed, but still without any receipt. Not until the customer received his credit card statement from the credit card issuer at the end of the month, was he to know what the was being billed for the various calls.
Due to the size of most communication units (hand-helds), they are subject to either being misplaced or stolen, and it is for this reason that most lessors or vendors of rental telephone or communications equipment require an up front deposit for the usage of the equipment, roughly equal to the value thereof.
In recent times especially in rental car vehicles, the telephone units have reverted back to the larger 3-watt, fixed and installed types, offering both security for the unit itself and offering hands-free utilization as is now mandated by various States Legislatures and the Department of Motor Vehicles in the near and immediate future. We will soon see the use of a virtual telephone unit which operates on voice activation by the recognition of the spoken word and can then dial the requested party's number or perform other functions all hands-free.
With the disappearance of the telephone handset and touch key-pad, the only known presence of the phone might be by a tiny microphone embedded in the rear view mirror. This then will eliminate the concerns over theft or damage to the telephone unit, and at the same time create no distraction for the driver in the usage of the telephone. The only other issue which then may need to be addressed is the need for a virtual credit card and card reader mechanism to allow for accurate billings and to gain acces to the system by the user.
BRIEF DESCRIPTION OF THE DRAWINGS
FIG. 1 illustrates a wireless communication system in accordance with the present invention as fully described herein.
FIG. 2 illustrates a logic diagram that may be used to implement the present invention.
DESCRIPTION OF THE PREFERRED EMBODIMENT
Generally, the present invention provides a method and apparatus for accessing a mobile communications device, such as a car telephone or other rental communications equipment, by utilizing a virtual (electronic account accessing ) device. This is accomplished by providing a proximity key chain device, attached to the keys of the vehicle that contains information about the user and at the same time is only accessed at such time as the user is within close proximity to the RF receiving unit located at or within the vehicle itself. Once the user is within the close proximity of the receiving unit, the access may be either voluntary (by the push of a button), or involuntary, by automatic excitation of the RF transmitter by the receiving unit, once the proximity range has been met.
After the initial transmission by the access transmission device to the receiving unit each and every subsequent access at the time the proximity is reached will only act to validate the same user access, but no data will need to be transferred except from the receiving unit to its base station, for the time duration and computation of accrued call charges that may be incurred At the time the initial transfer occurs, other information about the user such as language preference for utilizing the communications device and other pertinent user data, all contained within the access transmission device

Claims

I claim
1 In a wireless communication system, a method for transferring, stoπng and updating, user credit card data, and customer preference data to a communications device for purposes of validation and access to the communications device for its intended use, comprising the following steps a) power up of the receiver unit when the vehicle is first started, which sends an interrogation signal to the hand-held key chain unit to read and verify the customer data and personality data contained therein, b) if the transmitting unit is within proximity range, the user data is then transferred, c) the transmitted data is compared to the last transmission to determine if this is the same as the last user data, or if this data constitutes a new user and personality group, d) if the data is consistant with a known user from a previous transmission, the communications device being accessed is authorized to commence operation, e) if the data transmitted is not consistent with known data from a previous transmission of data, then the data is stored as a new record, transmitted over the airwaves via the communications device, and a new user record and file is created at the system administration computer's operating center or head office, f) in the case of a new user, the credit card data is verified and a validation occurs which then allows the new user to gain access to the communications device being accessed and normal operations then occur
2 The method of claim 1 further comprising the steps of e) the download of voice recognition phonems from a user look up table stored digitally in the hand held user key chain unit, to the communications device for instant user voice recognition in the spoken language of user's choice, and f) transference of frequently called telephone numbers as identified by an encoded name identifier in the specific language preference of the user (I e call "Bill") The method of claim 2 fuπher comprising the steps of transferring user call duration, number called, time of day. date, back to the hand held user key chain module for later interrogation bv the svstem computer at the rental counter or car company s office
PCT/US1999/003713 1998-03-02 1999-02-24 Virtual credit card access device for mobile communication equipment WO1999045720A1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU27774/99A AU2777499A (en) 1998-03-02 1999-02-24 Virtual credit card access device for mobile communication equipment
EP99908312A EP1023812A4 (en) 1998-03-02 1999-02-24 Virtual credit card access device for mobile communication equipment

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US09/041,360 US6157824A (en) 1998-03-02 1998-03-02 Virtual credit card access device for mobile communications equipment
US09/041,360 1998-03-02

Publications (1)

Publication Number Publication Date
WO1999045720A1 true WO1999045720A1 (en) 1999-09-10

Family

ID=21916082

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1999/003713 WO1999045720A1 (en) 1998-03-02 1999-02-24 Virtual credit card access device for mobile communication equipment

Country Status (4)

Country Link
US (1) US6157824A (en)
EP (1) EP1023812A4 (en)
AU (1) AU2777499A (en)
WO (1) WO1999045720A1 (en)

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Also Published As

Publication number Publication date
EP1023812A1 (en) 2000-08-02
AU2777499A (en) 1999-09-20
US6157824A (en) 2000-12-05
EP1023812A4 (en) 2001-05-09

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