WO2003017215A1 - The conducting of electronic transactions - Google Patents

The conducting of electronic transactions Download PDF

Info

Publication number
WO2003017215A1
WO2003017215A1 PCT/IB2001/001473 IB0101473W WO03017215A1 WO 2003017215 A1 WO2003017215 A1 WO 2003017215A1 IB 0101473 W IB0101473 W IB 0101473W WO 03017215 A1 WO03017215 A1 WO 03017215A1
Authority
WO
WIPO (PCT)
Prior art keywords
pin
microprocessor
display screen
card
reader
Prior art date
Application number
PCT/IB2001/001473
Other languages
French (fr)
Inventor
James Van Der Westhuizen
Original Assignee
James Van Der Westhuizen
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 James Van Der Westhuizen filed Critical James Van Der Westhuizen
Priority to PCT/IB2001/001473 priority Critical patent/WO2003017215A1/en
Publication of WO2003017215A1 publication Critical patent/WO2003017215A1/en

Links

Classifications

    • 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • 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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means

Definitions

  • This invention relates to apparatus for and to a method of conducting
  • the apparatus including a microprocessor connectable to a computer network;
  • PIN Personal Identification Number
  • PIN card includes any card or device on or in which a personal
  • identification number or code is stored, which number or code is readable by the
  • a reader may include a smart card, i.e. a device which includes a microchip in
  • the apparatus may be connectable to at least one printer.
  • the apparatus may be connectable to at least one printer.
  • the second printer may be connectable to two printers, one for printing on standard bond paper and a second for printing on high security paper.
  • the second printer may be used for
  • At least one printer is in the form of a colour printer.
  • the computer network may be any one or more of:
  • WAN wide area network
  • LAN local area network
  • the apparatus can be used as a public printing facility by persons who
  • the apparatus includes a wireless
  • the remote communications device may be in the form of a cellular phone.
  • the display screen may comprise a liquid crystal display screen.
  • the method including the steps of entering a PIN into the microprocessor of the apparatus as described
  • the PIN may be programmed into a smart card by the service provider, which
  • a housing 1 2 which contains a microprocessor (not shown) and a modem
  • the apparatus further includes two printers, (not shown). A first
  • printer for printing on standard bond paper includes a paper slot 1 6 and a second
  • printer for printing on high security paper includes a paper slot 1 8. Either or both printers may be colour printers.
  • the apparatus also include a liquid crystal display screen 20, a numeric keypad 22 and a slot 24 for inserting a smart card. Peripherals 16, 18, 20, 22 and 24 are all connected to the microprocessor.
  • the apparatus is provided with appropriate software which creates an electronic mailbox for a user.
  • the mailbox can be located on a remote server.
  • several service providers may load files into the user's mailbox from where it can be printed. The loading is done via a secure internet connection and the service provider is charged a transaction fee for each document or file which the user prints.
  • the user may have either a permanent or a temporary mailbox, the latter being used for a specific promotion or a once-off transaction such as a university application form.
  • a service provider 26 such as a bank, whose computer system is, for purposes of this illustration, also connected to the Internet, provides the user of the apparatus with a PIN and by entering the PIN into the microprocessor, the user can request statements, cheques or the like to be printed by one of the printers. Statements are printed on bond paper and are fed through slot 16 and cheques are printed on high security paper and are fed through slot 18.
  • the service provider can provide the user with a smart card 25 on which his PIN is stored. The smart card 25 is inserted into the slot 24 and an Internet connection is established using the keypad 22.
  • a service provider 28 may be a medical aid organisation and statements can be obtained from the service provider 28 in the same or similar way.
  • Service provider 30 may be an individual wishing to send the user an email communication. The PIN can in such a case be provided to the user by telephone, SMS or the like.
  • the PIN is converted into a secure URL which commands the apparatus to print all or any user selectable files related to the PIN.
  • a billing system is provided which tracks the printing of documents and creates accounts for service providers.
  • the service providers 26, 28 and 30 may alternatively be internet content providers or document data storage providers.
  • the apparatus can be adapted, by the provision of appropriate software, to receive and print documents provided by the user.
  • apparatus can either receive a document to be printed directly from the user's cellular phone via a short range wireless connection or via a communication network such as a cellular telephone network or the user can, by means of his cellular phone, download and print a document from a remote source.
  • Appropriate software can also be provided for allowing the apparatus to preempt a print request. This may be accomplished if the user's cellular phone and the apparatus are connected to a location sensitive mobile communication system. Thus, when the user enters the proximity of the apparatus, the PIN is automatically downloaded to the apparatus and if there are documents queued for the user, a message to this effect is transmitted to the user's cellular phone. Alternatively, the user can be notified of pending mail on the system.

Abstract

The invention discloses an apparatus for conducting electronic transactions (10), the apparatusincluding a microprocessor connectable to a computer network (14); a keypad (22) for data input into the microprocessor; a display screen (20); and a reader (24) for a Personal Identification Number (PIN) card.

Description

THE CONDUCTING OF ELECTRONIC TRANSACTIONS
This invention relates to apparatus for and to a method of conducting
electronic transactions.
According to a first aspect of the invention there is provided an apparatus
for conducting electronic transactions, the apparatus including a microprocessor connectable to a computer network;
a keypad for data input into the microprocessor;
a display screen; and
a reader for a Personal Identification Number (PIN) card.
It will be appreciated that in this specification and in the appended claims, the term computer network includes both a cable dependent and a wireless type
of network.
It will be appreciated that in this specification and in the appended claims,
the term PIN card includes any card or device on or in which a personal
identification number or code is stored, which number or code is readable by the
reader and may include a smart card, i.e. a device which includes a microchip in
which the PIN or code is stored.
The apparatus may be connectable to at least one printer. The apparatus may
be connectable to two printers, one for printing on standard bond paper and a second for printing on high security paper. The second printer may be used for
printing certificates, licenses, cheques, postal orders and the like. In a preferred
form of the invention, at least one printer is in the form of a colour printer.
The computer network may be any one or more of:
the Internet;
a wide area network (WAN);
a local area network (LAN); and
a wireless network.
Thus, the apparatus can be used as a public printing facility by persons who
have a valid PIN card.
In one form of the invention, the apparatus includes a wireless
communication reader for reading a PIN transmitted from a remote computing or
communications device. The remote communications device may be in the form of a cellular phone.
The display screen may comprise a liquid crystal display screen.
According to a second aspect of the invention, there is provided a method
of conducting electronic transactions , the method including the steps of entering a PIN into the microprocessor of the apparatus as described
above; and
receiving information in print form from a service provider to which the
apparatus is connected, in use.
The PIN may be programmed into a smart card by the service provider, which
card is then inserted into or swiped through the reader of the apparatus to enter it
into the microprocessor, in use, or it may be entered via the key pad.
It will be appreciated that in this specification the term "service provider"
includes banks, medical aid organisations or the like and also includes individuals
or institutions wishing to send printable documents to a user of the apparatus.
One embodiment of this invention will now be described in more detail with
reference to the accompanying drawing which is a schematic representation of the apparatus according to the invention.
In the drawing, an apparatus 10 according to the invention is shown to
comprise a housing 1 2 which contains a microprocessor (not shown) and a modem
(not shown) which connects the microprocessor to the Internet, indicated by
reference numeral 14. Instead of a modem any other type of network interface
may be used. The apparatus further includes two printers, (not shown). A first
printer for printing on standard bond paper includes a paper slot 1 6 and a second
printer for printing on high security paper includes a paper slot 1 8. Either or both printers may be colour printers.
The apparatus also include a liquid crystal display screen 20, a numeric keypad 22 and a slot 24 for inserting a smart card. Peripherals 16, 18, 20, 22 and 24 are all connected to the microprocessor.
The apparatus is provided with appropriate software which creates an electronic mailbox for a user. Alternatively, the mailbox can be located on a remote server. In use, several service providers may load files into the user's mailbox from where it can be printed. The loading is done via a secure internet connection and the service provider is charged a transaction fee for each document or file which the user prints.
The user may have either a permanent or a temporary mailbox, the latter being used for a specific promotion or a once-off transaction such as a university application form.
A service provider 26, such as a bank, whose computer system is, for purposes of this illustration, also connected to the Internet, provides the user of the apparatus with a PIN and by entering the PIN into the microprocessor, the user can request statements, cheques or the like to be printed by one of the printers. Statements are printed on bond paper and are fed through slot 16 and cheques are printed on high security paper and are fed through slot 18. The service provider can provide the user with a smart card 25 on which his PIN is stored. The smart card 25 is inserted into the slot 24 and an Internet connection is established using the keypad 22.
In this way, various transactions can be conducted using the apparatus. For example, a service provider 28 may be a medical aid organisation and statements can be obtained from the service provider 28 in the same or similar way. Service provider 30 may be an individual wishing to send the user an email communication. The PIN can in such a case be provided to the user by telephone, SMS or the like.
In use, the PIN is converted into a secure URL which commands the apparatus to print all or any user selectable files related to the PIN. A billing system is provided which tracks the printing of documents and creates accounts for service providers.
The service providers 26, 28 and 30 may alternatively be internet content providers or document data storage providers.
In addition to receiving information from a network as described above, the apparatus can be adapted, by the provision of appropriate software, to receive and print documents provided by the user. For example, apparatus can either receive a document to be printed directly from the user's cellular phone via a short range wireless connection or via a communication network such as a cellular telephone network or the user can, by means of his cellular phone, download and print a document from a remote source.
Appropriate software can also be provided for allowing the apparatus to preempt a print request. This may be accomplished if the user's cellular phone and the apparatus are connected to a location sensitive mobile communication system. Thus, when the user enters the proximity of the apparatus, the PIN is automatically downloaded to the apparatus and if there are documents queued for the user, a message to this effect is transmitted to the user's cellular phone. Alternatively, the user can be notified of pending mail on the system.

Claims

CLAIMS:
1 . An apparatus for conducting electronic transactions, the apparatus including
a microprocessor connectable to a computer network;
a keypad for data input into the microprocessor;
a display screen; and
a reader for a Personal Identification Number (PIN) card.
2. Apparatus as claimed in claim 1 which is connectable to at least one printer.
3. Apparatus as claimed in claim 2 where in at least two printers are provided,
one for printing on standard bond paper and a second, colour printer, for printing
on high security paper.
4. Apparatus as claimed in any one of claims 1 to 3 wherein the computer
network is any one or more of:
the Internet;
a wide area network (WAN);
a local area network (LAN); and
a wireless network.
5. Apparatus as claimed in any one of claims 1 to 4 wherein the apparatus
includes a wireless communication reader for reading a PIN transmitted from a remote computing or communications device.
6. Apparatus as claimed in claim 5 wherein the remote communications device
is a cellular phone.
7. Apparatus as claimed in any one of claims 1 to 6 wherein the display screen
comprise a liquid crystal display screen.
8. A method of conducting electronic transactions , the method including the
steps of entering a PIN into the microprocessor of the apparatus as claimed in
any one of claims 1 to 8; and receiving data from a service provider to which the apparatus is
connected, in use.
9. A method as claimed in claim 8 wherein the PIN is programmed into a smart
card by the service provider, which card is then inserted into or swiped through the
reader of the apparatus to enter it into the microprocessor, in use, or it may be
entered via the key pad.
10. Apparatus substantially as herein described with reference to the
accompanying drawing.
1 1 . A method substantially as herein described with reference to the
accompanying drawing.
PCT/IB2001/001473 2001-08-16 2001-08-16 The conducting of electronic transactions WO2003017215A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/IB2001/001473 WO2003017215A1 (en) 2001-08-16 2001-08-16 The conducting of electronic transactions

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/IB2001/001473 WO2003017215A1 (en) 2001-08-16 2001-08-16 The conducting of electronic transactions

Publications (1)

Publication Number Publication Date
WO2003017215A1 true WO2003017215A1 (en) 2003-02-27

Family

ID=11004148

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2001/001473 WO2003017215A1 (en) 2001-08-16 2001-08-16 The conducting of electronic transactions

Country Status (1)

Country Link
WO (1) WO2003017215A1 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2005081652A2 (en) * 2004-03-01 2005-09-09 Feng Lin Network printing system

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5330275A (en) * 1991-09-23 1994-07-19 Hasewinkle William D Apparatus and method for printing a negotiable instrument in at least two colors
WO1998035478A1 (en) * 1997-02-10 1998-08-13 Verifone, Inc. A system, method and article of manufacture for seamless serverapplication support of client terminals and personal automated tellers
US6015344A (en) * 1996-04-05 2000-01-18 Rlt Acquisition, Inc. Prize redemption system for games
US6032859A (en) * 1996-09-18 2000-03-07 New View Technologies, Inc. Method for processing debit purchase transactions using a counter-top terminal system
WO2000042794A1 (en) * 1999-01-18 2000-07-20 Keith Benson Apparatus and method relating to authorisation control
WO2001031599A1 (en) * 1999-10-25 2001-05-03 Smartflash Limited Data storage and access systems

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5330275A (en) * 1991-09-23 1994-07-19 Hasewinkle William D Apparatus and method for printing a negotiable instrument in at least two colors
US6015344A (en) * 1996-04-05 2000-01-18 Rlt Acquisition, Inc. Prize redemption system for games
US6032859A (en) * 1996-09-18 2000-03-07 New View Technologies, Inc. Method for processing debit purchase transactions using a counter-top terminal system
WO1998035478A1 (en) * 1997-02-10 1998-08-13 Verifone, Inc. A system, method and article of manufacture for seamless serverapplication support of client terminals and personal automated tellers
WO2000042794A1 (en) * 1999-01-18 2000-07-20 Keith Benson Apparatus and method relating to authorisation control
WO2001031599A1 (en) * 1999-10-25 2001-05-03 Smartflash Limited Data storage and access systems

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2005081652A2 (en) * 2004-03-01 2005-09-09 Feng Lin Network printing system
WO2005083556A1 (en) * 2004-03-01 2005-09-09 Feng Lin Network printing system
WO2005081652A3 (en) * 2004-03-01 2006-06-29 Feng Lin Network printing system

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