+

WO2004023366A1 - System for electronically settling by using mobile phone and method thereof - Google Patents

System for electronically settling by using mobile phone and method thereof Download PDF

Info

Publication number
WO2004023366A1
WO2004023366A1 PCT/KR2003/001802 KR0301802W WO2004023366A1 WO 2004023366 A1 WO2004023366 A1 WO 2004023366A1 KR 0301802 W KR0301802 W KR 0301802W WO 2004023366 A1 WO2004023366 A1 WO 2004023366A1
Authority
WO
WIPO (PCT)
Prior art keywords
mobile phone
transaction
sound signal
password
transaction information
Prior art date
Application number
PCT/KR2003/001802
Other languages
French (fr)
Inventor
Choong-Ki Kim
Original Assignee
Smartint Co., Ltd.
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 Smartint Co., Ltd. filed Critical Smartint Co., Ltd.
Priority to AU2003258863A priority Critical patent/AU2003258863A1/en
Publication of WO2004023366A1 publication Critical patent/WO2004023366A1/en

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04B—TRANSMISSION
    • H04B5/00—Near-field transmission systems, e.g. inductive or capacitive transmission systems
    • H04B5/40—Near-field transmission systems, e.g. inductive or capacitive transmission systems characterised by components specially adapted for near-field transmission
    • H04B5/48—Transceivers
    • 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
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [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
    • G06Q20/32—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
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code

Definitions

  • the present invention relates to a system and method of performing an electronic transaction by using a mobile phone, and more particularly, to a system and method of performing an electronic transaction using a mobile phone which settles accounts using a sound signal used in the mobile phone, which includes transaction information.
  • a conventional mobile phone For performing the electronic transaction, a conventional mobile phone must possess a special transmission apparatus and a special transaction apparatus in which the personal information is stored.
  • the mobile phone used for the transaction must possess the special transaction apparatus in which the personal information is stored, the mobile phone is more expensive and the mobile phone is larger in size. Also, when the transaction is performed using the mobile phone with the transaction apparatus, a use of the mobile phone is complicated and it takes long time to perform the transaction.
  • the present invention provides a system and method, which can perform an electronic transaction using a conventional mobile phone without a special apparatus for transaction.
  • a system of performing an electronic transaction using a mobile phone including: a mobile phone; an automatic responder which has a built-in ID (Identification) of a mobile phone user, built-in credit card information, a built-in mobile phone number, and various built-in electronic transaction information, and after a call is established with the mobile phone, encodes electronic transaction information of the mobile phone user, modulates the electronic transaction information to a sound signal, and transmits the electronic transaction information to the mobile phone; and a transaction information receiver which performs electronic transaction by decoding the electronic transaction information included in the sound signal input via the mobile phone.
  • a built-in ID Identity
  • a method of performing an electronic transaction using a mobile phone including: (a) making a call from the mobile phone to an automatic responder; (b) if the call is established, sending a message, 'input the password of a user', from the automatic responder to the mobile phone; (c) sending the password input by a mobile phone user from the mobile phone to the automatic responder; (d) comparing the built-in password and the password sent from the mobile phone in the automatic responder; (e) if authentication of the password is completed, modulating built-in personal transaction information of the mobile phone user in the automatic responder, and sending the modulated information to the mobile phone; (f) receiving the sound signal sent from the mobile phone in a transaction information receiver; and (g) decoding the sound signal received in the transaction information receiver, and performing the transaction.
  • another method of performing an electronic transaction using a mobile phone including, (a) making a call from the mobile phone to an automatic responder; (b) if the call is established, modulating the built-in password and personal transaction information of a mobile phone user in the automatic responder, and sending the modulated result to the mobile phone as a sound pattern; (c) receiving the sound signal sent from the mobile phone in a transaction information receiver; (d) decoding a password included in the sound signal by the transaction information receiver; (e) displaying a message, 'input the password', in the transaction information receiver; (f) performing an authentication procedure of the password of the mobile phone user by comparing the password directly input by the mobile phone user and the password input via the mobile phone in the transaction information receiver; and (g) if authentication of the password is completed, decoding the sound signal input via the mobile phone in the transaction information receiver, and performing the transaction.
  • FIG. 1 is a block diagram of a system of performing an electronic transaction using a mobile phone according to the present invention
  • FIG. 2 is a block diagram of an automatic responder shown in FIG. 1.
  • FIG. 1 is a block diagram of a system of performing an electronic transaction using a mobile phone according to the present invention.
  • a system of performing an electronic transaction 101 is composed of an automatic responder 1 1 1 , a mobile phone 121 , and a transaction information receiver 131.
  • the mobile phone 121 makes a call to the automatic responder 1 1 1 when a transaction is necessary. Multiple mobile phones 121 are actually used.
  • the mobile phone 121 includes an acoustic apparatus, which is a required component, for example, a speaker or an earpiece, and has a data communication function and a voice communication function.
  • the automatic responder 1 11 has a built-in ID of a mobile phone user, built-in credit card information, and various built-in electronic transactions information.
  • the automatic responder 1 1 1 confirms a mobile phone number and the password of the mobile phone user, and subsequently searches the corresponding electronic transaction information, encodes the information, modulates the encoded information into a sound signal, and sends the modulated information to the mobile phone 121.
  • the transaction information receiver 131 receives the encoded sound signal sent from the automatic responder 1 1 1 through a speaker in the mobile phone 121.
  • the transaction information receiver 131 is composed of a sound signal receiving apparatus which receives the encoded sound signal, for example, a microphone 133, a demodulator 135 which demodulates the sound signal received by the microphone 133, a transaction unit 137 which performs a transaction using the demodulated transaction information, and a transmitter 139 which sends the transaction completion result to a bank, a credit card company, or a transaction management system (not shown) with a special database.
  • the transaction management system confirms whether or not the transaction information is valid, and informs the result to the transaction information receiver 131 for the transaction to either proceed or not proceed.
  • FIG. 2 is a block diagram of an automatic responder shown in FIG.
  • the automatic responder 1 1 1 is composed of a telephone coupler 21 1 , a sound signal output unit 221 , a modulator 231 , a central processing unit 241 , and a memory 251.
  • the telephone coupler 21 1 receives a signal sent via a mobile communication company from the mobile phone 121 and/or sends acoustic data to the mobile phone 121 .
  • the sound signal output unit 221 transfers a signal sent by a modulator 231 to the telephone coupler 211.
  • the modulator 231 encodes and/or modulates the personal information of a mobile phone user sent from the central processing unit 241 and sends the result to the sound signal output unit 221 as a sound pattern. This sound is similar to a sound heard when sending a facsimile.
  • the central processing unit 241 responds the signal sent from the telephone coupler 21 1 and transfers to the modulator 231 the personal information of the mobile phone user stored in a memory 251 , for example, an ID of the mobile phone user, credit card information, a mobile phone number, various electronic transaction information, etc.
  • the central processing unit 241 may also require data from the mobile phone 121 shown in FIG. 1 via the telephone coupler 21 1.
  • FIGS. 1 and 2 a method of performing an electronic transaction using a mobile phone is described according to an embodiment of the present invention.
  • a mobile phone user makes a call to the automatic responder 1 1 1 by dialing a telephone number necessary to perform a transaction, that is, a telephone number of the automatic responder 1 1 1 , using the mobile phone 121 in step 1 .
  • the automatic responder 1 1 1 sends a message, 'input the password of the mobile phone user', to the mobile phone 121 in step 2.
  • the mobile phone user inputs the password, for example a 4-digit number
  • the mobile phone 121 sends the password to the automatic responder 1 1 1 in step 3.
  • the automatic responder 1 1 compares the password sent from the mobile phone 121 to a password stored in the memory 251 and confirms whether or not the passwords are the same in step 4. That is, the automatic responder 1 1 1 performs a procedure of authenticating the password of the mobile phone 121.
  • the automatic responder 1 1 1 encodes and/or modulates the personal transaction information of the mobile phone user stored in the memory 251 and sends the information to the mobile phone 121 as a sound pattern in step 5.
  • the mobile phone user closely adheres the speaker portion to the microphone 133 and transfers the sound signal sent from the automatic responder 1 1 1 to the transaction information receiver 131 in step 6.
  • the transaction information receiver 131 approves the transaction by sending the result to a transaction management system after decoding and/or demodulating the sound signal input into the microphone 133 through the demodulator 135, or requests the approval of the transaction from the transaction management system in step 7.
  • a mobile phone user makes a call to the automatic responder 1 1 1 by dialing a telephone number necessary to perform a transaction, that is, a telephone number of the automatic responder 1 1 1 , using the mobile phone 121 in step 1 .
  • the automatic responder 1 1 1 encodes and/or modulates the password and personal transaction information of the mobile phone user stored in the memory 251 and sends the result to the mobile phone 121 as a sound pattern in step 2.
  • the mobile phone user closely adheres the speaker portion of the mobile phone 121 to the microphone 133 and transfers a sound signal sent by the automatic responder 1 11 to the transaction information receiver 131 in step 3.
  • the transaction information receiver 131 decodes the password included in the sound signal in step 4.
  • the transaction information receiver 131 displays a message, 'input the password' in step 5.
  • the transaction information receiver 131 performs an authentication procedure of the password of the mobile phone user by comparing the password directly input by the mobile phone user with the password input via the mobile phone 121 in step 6.
  • the transaction information receiver 131 approves the transaction by sending the result to a transaction management system after decoding and/or demodulating the sound signal input in the microphone 133 through the demodulator 135, or requests the approval of the transaction from the transaction management system in step 7.
  • the present invention has the following advantages. First, since an acoustic apparatus is utilized in the mobile phone 121 , an additional component is not necessary in the mobile phone 121. Second, through a simple case, a transaction is accomplished. Third, there is the convenience of using the mobile phone 121 for processing a transaction. Fourth, the present invention can be simply adapted to the conventional mobile phone 121.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Signal Processing (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Telephonic Communication Services (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephone Function (AREA)

Abstract

The present invention relates to an electronic payment system and method thereof. The system can execute electronic payment without adding parts to a conventional cellular phone. It is comprised of: (1) a cellular phone; (2) an answering machine which transmits information to a cellular phone diverting sound, embodying a cellular phone's user ID, credit card information, a cellular phone's number, and a variety of electronic payment information, setting up a cellular phone and calling, and decoding the electronic payment information of the user's cellular phone; (3) a receiving device which execute thes the electronic payment, decoding the related electronic payment information included in sound inputted through a cellular phone.

Description

SYSTEM FOR ELECTRONICALLY SETTLING BY USING MOBILE PHONE AND METHOD-THEREOF
Technical Field
The present invention relates to a system and method of performing an electronic transaction by using a mobile phone, and more particularly, to a system and method of performing an electronic transaction using a mobile phone which settles accounts using a sound signal used in the mobile phone, which includes transaction information.
Background Art
In a case of performing an electronic transaction using a mobile phone with a conventional method, a message transmission including information related to the transaction, a wireless internet connection, or a special optical transmission apparatus was used.
For performing the electronic transaction, a conventional mobile phone must possess a special transmission apparatus and a special transaction apparatus in which the personal information is stored.
Therefore, the transaction cannot be performed using a mobile phone without the transaction apparatus.
Likewise, since the conventional mobile phone used for the transaction must possess the special transaction apparatus in which the personal information is stored, the mobile phone is more expensive and the mobile phone is larger in size. Also, when the transaction is performed using the mobile phone with the transaction apparatus, a use of the mobile phone is complicated and it takes long time to perform the transaction.
Disclosure of the Invention The present invention provides a system and method, which can perform an electronic transaction using a conventional mobile phone without a special apparatus for transaction.
According to an aspect of the present invention, there is provided a system of performing an electronic transaction using a mobile phone, including: a mobile phone; an automatic responder which has a built-in ID (Identification) of a mobile phone user, built-in credit card information, a built-in mobile phone number, and various built-in electronic transaction information, and after a call is established with the mobile phone, encodes electronic transaction information of the mobile phone user, modulates the electronic transaction information to a sound signal, and transmits the electronic transaction information to the mobile phone; and a transaction information receiver which performs electronic transaction by decoding the electronic transaction information included in the sound signal input via the mobile phone.
According to another aspect of the present invention, there is provided a method of performing an electronic transaction using a mobile phone, including: (a) making a call from the mobile phone to an automatic responder; (b) if the call is established, sending a message, 'input the password of a user', from the automatic responder to the mobile phone; (c) sending the password input by a mobile phone user from the mobile phone to the automatic responder; (d) comparing the built-in password and the password sent from the mobile phone in the automatic responder; (e) if authentication of the password is completed, modulating built-in personal transaction information of the mobile phone user in the automatic responder, and sending the modulated information to the mobile phone; (f) receiving the sound signal sent from the mobile phone in a transaction information receiver; and (g) decoding the sound signal received in the transaction information receiver, and performing the transaction.
According to another aspect of the present invention, there is provided another method of performing an electronic transaction using a mobile phone, including, (a) making a call from the mobile phone to an automatic responder; (b) if the call is established, modulating the built-in password and personal transaction information of a mobile phone user in the automatic responder, and sending the modulated result to the mobile phone as a sound pattern; (c) receiving the sound signal sent from the mobile phone in a transaction information receiver; (d) decoding a password included in the sound signal by the transaction information receiver; (e) displaying a message, 'input the password', in the transaction information receiver; (f) performing an authentication procedure of the password of the mobile phone user by comparing the password directly input by the mobile phone user and the password input via the mobile phone in the transaction information receiver; and (g) if authentication of the password is completed, decoding the sound signal input via the mobile phone in the transaction information receiver, and performing the transaction.
Brief Description of the Drawings
The above and other features and advantages of the present invention will become more apparent by describing in detail exemplary embodiments thereof with reference to the attached drawings in which: FIG. 1 is a block diagram of a system of performing an electronic transaction using a mobile phone according to the present invention; and FIG. 2 is a block diagram of an automatic responder shown in FIG. 1.
Best mode for carrying out the Invention
FIG. 1 is a block diagram of a system of performing an electronic transaction using a mobile phone according to the present invention. With reference to FIG. 1 , a system of performing an electronic transaction 101 is composed of an automatic responder 1 1 1 , a mobile phone 121 , and a transaction information receiver 131. The mobile phone 121 makes a call to the automatic responder 1 1 1 when a transaction is necessary. Multiple mobile phones 121 are actually used. The mobile phone 121 includes an acoustic apparatus, which is a required component, for example, a speaker or an earpiece, and has a data communication function and a voice communication function.
The automatic responder 1 11 has a built-in ID of a mobile phone user, built-in credit card information, and various built-in electronic transactions information. In a case where the call is made from the mobile phone 121 , the automatic responder 1 1 1 confirms a mobile phone number and the password of the mobile phone user, and subsequently searches the corresponding electronic transaction information, encodes the information, modulates the encoded information into a sound signal, and sends the modulated information to the mobile phone 121.
The transaction information receiver 131 receives the encoded sound signal sent from the automatic responder 1 1 1 through a speaker in the mobile phone 121. The transaction information receiver 131 is composed of a sound signal receiving apparatus which receives the encoded sound signal, for example, a microphone 133, a demodulator 135 which demodulates the sound signal received by the microphone 133, a transaction unit 137 which performs a transaction using the demodulated transaction information, and a transmitter 139 which sends the transaction completion result to a bank, a credit card company, or a transaction management system (not shown) with a special database. The transaction management system confirms whether or not the transaction information is valid, and informs the result to the transaction information receiver 131 for the transaction to either proceed or not proceed. FIG. 2 is a block diagram of an automatic responder shown in FIG.
1. With reference to FIG. 2, the automatic responder 1 1 1 is composed of a telephone coupler 21 1 , a sound signal output unit 221 , a modulator 231 , a central processing unit 241 , and a memory 251.
The telephone coupler 21 1 receives a signal sent via a mobile communication company from the mobile phone 121 and/or sends acoustic data to the mobile phone 121 .
The sound signal output unit 221 transfers a signal sent by a modulator 231 to the telephone coupler 211.
The modulator 231 encodes and/or modulates the personal information of a mobile phone user sent from the central processing unit 241 and sends the result to the sound signal output unit 221 as a sound pattern. This sound is similar to a sound heard when sending a facsimile.
The central processing unit 241 responds the signal sent from the telephone coupler 21 1 and transfers to the modulator 231 the personal information of the mobile phone user stored in a memory 251 , for example, an ID of the mobile phone user, credit card information, a mobile phone number, various electronic transaction information, etc. The central processing unit 241 may also require data from the mobile phone 121 shown in FIG. 1 via the telephone coupler 21 1. With reference to FIGS. 1 and 2, a method of performing an electronic transaction using a mobile phone is described according to an embodiment of the present invention.
A mobile phone user makes a call to the automatic responder 1 1 1 by dialing a telephone number necessary to perform a transaction, that is, a telephone number of the automatic responder 1 1 1 , using the mobile phone 121 in step 1 .
If the call is established, the automatic responder 1 1 1 sends a message, 'input the password of the mobile phone user', to the mobile phone 121 in step 2. After the mobile phone user inputs the password, for example a 4-digit number, the mobile phone 121 sends the password to the automatic responder 1 1 1 in step 3.
The automatic responder 1 1 compares the password sent from the mobile phone 121 to a password stored in the memory 251 and confirms whether or not the passwords are the same in step 4. That is, the automatic responder 1 1 1 performs a procedure of authenticating the password of the mobile phone 121.
If the authentication of the password is completed, the automatic responder 1 1 1 encodes and/or modulates the personal transaction information of the mobile phone user stored in the memory 251 and sends the information to the mobile phone 121 as a sound pattern in step 5.
The mobile phone user closely adheres the speaker portion to the microphone 133 and transfers the sound signal sent from the automatic responder 1 1 1 to the transaction information receiver 131 in step 6.
The transaction information receiver 131 approves the transaction by sending the result to a transaction management system after decoding and/or demodulating the sound signal input into the microphone 133 through the demodulator 135, or requests the approval of the transaction from the transaction management system in step 7.
With reference to FIGS. 1 and 2, another method of performing an electronic transaction using a mobile phone 121 is described according to another embodiment of the present invention. A mobile phone user makes a call to the automatic responder 1 1 1 by dialing a telephone number necessary to perform a transaction, that is, a telephone number of the automatic responder 1 1 1 , using the mobile phone 121 in step 1 .
If the call is established, the automatic responder 1 1 1 encodes and/or modulates the password and personal transaction information of the mobile phone user stored in the memory 251 and sends the result to the mobile phone 121 as a sound pattern in step 2.
The mobile phone user closely adheres the speaker portion of the mobile phone 121 to the microphone 133 and transfers a sound signal sent by the automatic responder 1 11 to the transaction information receiver 131 in step 3.
The transaction information receiver 131 decodes the password included in the sound signal in step 4.
The transaction information receiver 131 displays a message, 'input the password' in step 5.
If the password of the mobile phone user is input in the transaction information receiver 131 by the mobile phone user, the transaction information receiver 131 performs an authentication procedure of the password of the mobile phone user by comparing the password directly input by the mobile phone user with the password input via the mobile phone 121 in step 6.
If the authentication of the password is completed, the transaction information receiver 131 approves the transaction by sending the result to a transaction management system after decoding and/or demodulating the sound signal input in the microphone 133 through the demodulator 135, or requests the approval of the transaction from the transaction management system in step 7.
While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention as defined by the following claims.
Industrial Applicability As described above, the present invention has the following advantages. First, since an acoustic apparatus is utilized in the mobile phone 121 , an additional component is not necessary in the mobile phone 121. Second, through a simple case, a transaction is accomplished. Third, there is the convenience of using the mobile phone 121 for processing a transaction. Fourth, the present invention can be simply adapted to the conventional mobile phone 121.

Claims

What is claimed is:
1. A system of performing an electronic transaction using a mobile phone comprising: a mobile phone; an automatic responder which has a built-in ID (Identification) of a mobile phone user, built-in credit card information, a built-in mobile phone number, and various built-in electronic transactions information, and if a call is established with the mobile phone, encodes the electronic transaction information of the user, modulates the information into a sound signal, and transmits the information to the mobile phone; and a transaction information receiver which performs the electronic transaction by decoding electronic transaction information included in a sound signal input via a mobile phone.
2. The system of claim 1 , wherein the automatic responder comprises: a memory which stores an ID of the mobile phone user, credit card information, a mobile phone number, and various electronic transactions information; a telephone coupler which receives a sound signal sent via a mobile communication company from the mobile phone and/or sends the sound signal to the mobile phone; a modulator which encodes and/or modulates the personal information of a mobile phone user and then outputs the result as a sound pattern; a sound signal output unit which transfers the sound signal sent by the modulator to the telephone coupler; and a central processing unit which responds to the sound signal sent from the telephone coupler and transfers the electronic transaction information of the mobile phone user stored in the memory to the modulator.
3. The system of claim 1 , wherein the transaction information receiver comprises: a microphone which receives the encoded sound signal via the mobile phone; a demodulator which demodulates the sound signal received by the microphone; a transaction unit which performs a transaction by using the demodulated transaction information; and a transmitter which sends the transaction completion result to a bank, a credit card company, or a transaction management system with a special database.
4. A method of performing an electronic transaction using a mobile phone comprising: (a) making a call from the mobile phone to an automatic responder;
(b) if the call is established, sending a message, 'input the password of a user', from the automatic responder to the mobile phone;
(c) sending the password input by a mobile phone user from the mobile phone to the automatic responder;
(d) comparing a built-in password with the password sent from the mobile phone in the automatic responder;
(e) if authentication of the password is completed, modulating built-in personal transaction information of the mobile phone user in the automatic responder, and sending the modulated information to the mobile phone;
(f) receiving the sound signal sent from the mobile phone in a transaction information receiver; and
(g) decoding the sound signal received in the transaction information receiver, and performing the transaction.
5. A method of performing an electronic transaction using a mobile phone comprising:
(a) making a call from the mobile phone to an automatic responder; (b) if the call is established, modulating the built-in password and personal transaction information of a mobile phone user in the automatic responder, and sending the result to the mobile phone as a sound pattern;
(c) receiving the sound signal sent from the mobile phone in a transaction information receiver;
(d) decoding the password included in the sound signal in the transaction information receiver;
(e) displaying a message, 'input the password', in the transaction information receiver; (f) performing an authentication procedure of the password of the mobile phone user by comparing the password directly input by the mobile phone user with the password input via the mobile phone in the transaction information receiver; and
(g) if the authentication of the password is completed, decoding the sound signal input via the mobile phone in the transaction information receiver, and performing the transaction.
PCT/KR2003/001802 2002-09-03 2003-09-03 System for electronically settling by using mobile phone and method thereof WO2004023366A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2003258863A AU2003258863A1 (en) 2002-09-03 2003-09-03 System for electronically settling by using mobile phone and method thereof

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR20-2002-0026399U KR200304933Y1 (en) 2002-09-03 2002-09-03 The mobile phone that can transmit data via speaker.
KR20-2002-0026399 2002-09-03

Publications (1)

Publication Number Publication Date
WO2004023366A1 true WO2004023366A1 (en) 2004-03-18

Family

ID=31973510

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2003/001802 WO2004023366A1 (en) 2002-09-03 2003-09-03 System for electronically settling by using mobile phone and method thereof

Country Status (3)

Country Link
KR (1) KR200304933Y1 (en)
AU (1) AU2003258863A1 (en)
WO (1) WO2004023366A1 (en)

Cited By (34)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2427286A (en) * 2005-06-11 2006-12-20 Harley Clark Financial transaction method
WO2011160584A1 (en) * 2010-06-22 2011-12-29 上海云途信息技术有限公司 Short-range secure data communication method based on sound wave or audio, and apparatus thereof
WO2012106380A1 (en) * 2011-01-31 2012-08-09 Jason Lester Hill Sonic based digital networking
WO2014169683A1 (en) * 2013-04-19 2014-10-23 Tencent Technology (Shenzhen) Company Limited Method, apparatus, and system for processing numerical value in sending message using sound waves
US10621590B2 (en) 2017-02-22 2020-04-14 Square, Inc. Line-based chip card tamper detection
US10635820B1 (en) 2017-09-29 2020-04-28 Square, Inc. Update policy-based anti-rollback techniques
US10643200B2 (en) 2010-10-13 2020-05-05 Square, Inc. Point of sale system
US10684848B1 (en) 2016-03-30 2020-06-16 Square, Inc. Blocking and non-blocking firmware update
US10733589B2 (en) 2017-04-28 2020-08-04 Square, Inc. Point of sale device power management and under voltage protection
US10733588B1 (en) 2014-06-11 2020-08-04 Square, Inc. User interface presentation on system with multiple terminals
US10753982B2 (en) 2014-12-09 2020-08-25 Square, Inc. Monitoring battery health of a battery used in a device
US10762196B2 (en) 2018-12-21 2020-09-01 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
US10810570B1 (en) 2019-09-30 2020-10-20 Square, Inc. Point of sale device with cradle for mobile computing device
US10817869B2 (en) 2016-06-29 2020-10-27 Square, Inc. Preliminary enablement of transaction processing circuitry
US10937019B2 (en) 2016-06-08 2021-03-02 Square, Inc. Wireless communication system with auxiliary antenna
US10949189B2 (en) 2017-06-28 2021-03-16 Square, Inc. Securely updating software on connected electronic devices
US10970708B2 (en) 2016-12-31 2021-04-06 Square, Inc. Predictive data object acquisition and processing
US10970698B1 (en) 2017-12-08 2021-04-06 Square, Inc. Reader detection signal bypassing secure processor
US10990969B2 (en) 2018-12-21 2021-04-27 Square, Inc. Point of sale (POS) systems and methods for dynamically processing payment data based on payment reader capability
US11010765B2 (en) 2016-06-29 2021-05-18 Square, Inc. Preliminary acquisition of payment information
US11049095B2 (en) 2018-12-21 2021-06-29 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
US11080674B1 (en) 2014-09-19 2021-08-03 Square, Inc. Point of sale system
US11080675B1 (en) 2015-09-08 2021-08-03 Square, Inc. Point-of-sale system having a secure touch mode
US11087315B2 (en) 2015-09-24 2021-08-10 Square, Inc. Server-assisted pairing for wireless communications
US11087301B1 (en) 2017-12-19 2021-08-10 Square, Inc. Tamper resistant device
US11100298B1 (en) 2017-12-08 2021-08-24 Square, Inc. Transaction object reader with analog and digital signal interface
US11257058B1 (en) 2017-10-30 2022-02-22 Square, Inc. Sharing output device between unsecured processor and secured processor
US11328134B1 (en) 2014-06-23 2022-05-10 Block, Inc. Displaceable reader circuitry
US11481750B2 (en) 2015-06-30 2022-10-25 Block, Inc. Pairing a payment object reader with a point-of-sale terminal
US11663368B2 (en) 2019-09-30 2023-05-30 Block, Inc. Tamper detection based on removal of fastener from recess
US11665817B2 (en) 2019-09-30 2023-05-30 Block, Inc. Tamper detection based on flexible member connecting circuitry elements
US11871237B1 (en) 2016-06-30 2024-01-09 Block, Inc. Pairing a payment object reader with a point-of-sale terminal
US12207322B2 (en) 2015-09-24 2025-01-21 Block, Inc. Server-assisted pairing for wireless communications
US12299664B2 (en) 2023-11-03 2025-05-13 Block, Inc. Reader device with a plurality of reader interfaces

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20010085115A (en) * 2001-08-14 2001-09-07 김성덕 The payment system by using the wireless terminal
KR20020048190A (en) * 2000-12-16 2002-06-22 최중인 Verification system using sound bar-code
KR100394150B1 (en) * 2002-11-15 2003-08-06 Sang Cheol Lee Settlement method using wireless communication terminal

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020048190A (en) * 2000-12-16 2002-06-22 최중인 Verification system using sound bar-code
KR20010085115A (en) * 2001-08-14 2001-09-07 김성덕 The payment system by using the wireless terminal
KR100394150B1 (en) * 2002-11-15 2003-08-06 Sang Cheol Lee Settlement method using wireless communication terminal

Cited By (55)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2427286A (en) * 2005-06-11 2006-12-20 Harley Clark Financial transaction method
WO2011160584A1 (en) * 2010-06-22 2011-12-29 上海云途信息技术有限公司 Short-range secure data communication method based on sound wave or audio, and apparatus thereof
US20130091359A1 (en) * 2010-06-22 2013-04-11 Shanghai Cloudway Information Technology Co., Ltd. Short-range Secure Data Communication Method Based on Sound Wave or Audio, and Apparatus Thereof
US8930699B2 (en) 2010-06-22 2015-01-06 Shunri Guo and Shanghai Cloudway Information Technology Co., Ltd. Short-range secure data communication method based on sound wave or audio, and apparatus thereof
US10643200B2 (en) 2010-10-13 2020-05-05 Square, Inc. Point of sale system
WO2012106380A1 (en) * 2011-01-31 2012-08-09 Jason Lester Hill Sonic based digital networking
WO2014169683A1 (en) * 2013-04-19 2014-10-23 Tencent Technology (Shenzhen) Company Limited Method, apparatus, and system for processing numerical value in sending message using sound waves
US10043522B2 (en) 2013-04-19 2018-08-07 Tencent Technology (Shenzhen) Company Limited Method, apparatus, and system for processing numerical value in sending message using sound waves
US10733588B1 (en) 2014-06-11 2020-08-04 Square, Inc. User interface presentation on system with multiple terminals
US12014238B2 (en) 2014-06-23 2024-06-18 Block, Inc. Displaceable reader circuitry
US11328134B1 (en) 2014-06-23 2022-05-10 Block, Inc. Displaceable reader circuitry
US11966805B2 (en) 2014-09-19 2024-04-23 Block, Inc. Point of sale system
US11954549B2 (en) 2014-09-19 2024-04-09 Block, Inc. Point of sale system
US11836566B2 (en) 2014-09-19 2023-12-05 Block, Inc Point of sale system
US11537803B2 (en) 2014-09-19 2022-12-27 Block, Inc. Point of sale system
US11080674B1 (en) 2014-09-19 2021-08-03 Square, Inc. Point of sale system
US10753982B2 (en) 2014-12-09 2020-08-25 Square, Inc. Monitoring battery health of a battery used in a device
US11481750B2 (en) 2015-06-30 2022-10-25 Block, Inc. Pairing a payment object reader with a point-of-sale terminal
US11080675B1 (en) 2015-09-08 2021-08-03 Square, Inc. Point-of-sale system having a secure touch mode
US11087315B2 (en) 2015-09-24 2021-08-10 Square, Inc. Server-assisted pairing for wireless communications
US12207322B2 (en) 2015-09-24 2025-01-21 Block, Inc. Server-assisted pairing for wireless communications
US10684848B1 (en) 2016-03-30 2020-06-16 Square, Inc. Blocking and non-blocking firmware update
US11748739B2 (en) 2016-06-08 2023-09-05 Block, Inc. Wireless communication system with auxiliary antenna
US10937019B2 (en) 2016-06-08 2021-03-02 Square, Inc. Wireless communication system with auxiliary antenna
US11010765B2 (en) 2016-06-29 2021-05-18 Square, Inc. Preliminary acquisition of payment information
US10817869B2 (en) 2016-06-29 2020-10-27 Square, Inc. Preliminary enablement of transaction processing circuitry
US11871237B1 (en) 2016-06-30 2024-01-09 Block, Inc. Pairing a payment object reader with a point-of-sale terminal
US10970708B2 (en) 2016-12-31 2021-04-06 Square, Inc. Predictive data object acquisition and processing
US11113698B2 (en) 2017-02-22 2021-09-07 Square, Inc. Line-based chip card tamper detection
US10621590B2 (en) 2017-02-22 2020-04-14 Square, Inc. Line-based chip card tamper detection
US11669842B2 (en) 2017-02-22 2023-06-06 Block, Inc. Transaction chip incorporating a contact interface
US12223507B2 (en) 2017-02-22 2025-02-11 Block, Inc. Line-based chip card tamper detection
US11899515B2 (en) 2017-04-28 2024-02-13 Block, Inc. Point of sale device power management and undervoltage protection
US10733589B2 (en) 2017-04-28 2020-08-04 Square, Inc. Point of sale device power management and under voltage protection
US11561593B2 (en) 2017-04-28 2023-01-24 Block, Inc. Point of sale device power management and undervoltage protection
US10949189B2 (en) 2017-06-28 2021-03-16 Square, Inc. Securely updating software on connected electronic devices
US11762646B2 (en) 2017-06-28 2023-09-19 Block, Inc. Securely updating software on connected electronic devices
US10635820B1 (en) 2017-09-29 2020-04-28 Square, Inc. Update policy-based anti-rollback techniques
US11257058B1 (en) 2017-10-30 2022-02-22 Square, Inc. Sharing output device between unsecured processor and secured processor
US11983688B2 (en) 2017-10-30 2024-05-14 Block, Inc. Controlling access to output device between two processors
US11797965B2 (en) 2017-12-08 2023-10-24 Block, Inc. Reader detection signal based proximity feedback
US10970698B1 (en) 2017-12-08 2021-04-06 Square, Inc. Reader detection signal bypassing secure processor
US11100298B1 (en) 2017-12-08 2021-08-24 Square, Inc. Transaction object reader with analog and digital signal interface
US11087301B1 (en) 2017-12-19 2021-08-10 Square, Inc. Tamper resistant device
US11775957B2 (en) 2018-12-21 2023-10-03 Block, Inc. Point of sale (POS) systems and methods with kernel selection
US10762196B2 (en) 2018-12-21 2020-09-01 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
US11049095B2 (en) 2018-12-21 2021-06-29 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
US10990969B2 (en) 2018-12-21 2021-04-27 Square, Inc. Point of sale (POS) systems and methods for dynamically processing payment data based on payment reader capability
US11665817B2 (en) 2019-09-30 2023-05-30 Block, Inc. Tamper detection based on flexible member connecting circuitry elements
US11847631B2 (en) 2019-09-30 2023-12-19 Block, Inc. Point of sale device with cradle for computing device
US11797970B2 (en) 2019-09-30 2023-10-24 Block, Inc. Point of sale device with cradle for mobile computing device
US11663368B2 (en) 2019-09-30 2023-05-30 Block, Inc. Tamper detection based on removal of fastener from recess
US10810570B1 (en) 2019-09-30 2020-10-20 Square, Inc. Point of sale device with cradle for mobile computing device
US12299664B2 (en) 2023-11-03 2025-05-13 Block, Inc. Reader device with a plurality of reader interfaces
US12299661B2 (en) 2024-04-08 2025-05-13 Block, Inc. Controlling processor's access to interface device

Also Published As

Publication number Publication date
KR200304933Y1 (en) 2003-02-19
AU2003258863A1 (en) 2004-03-29

Similar Documents

Publication Publication Date Title
WO2004023366A1 (en) System for electronically settling by using mobile phone and method thereof
JP3609436B2 (en) General-purpose authentication device used via telephone line
CN102339499B (en) System for realizing POS (point of sale) card swiping payment device based on mobile communication terminal
US20020091633A1 (en) Facility and method for cellular data communication between merchants and credit processing agencies
CN1141710A (en) Apparatus and method for remotely initiating operation of a cellular telephone
CA2423770A1 (en) System for payment data exchange and payment terminal device used therein
US20060147000A1 (en) Method for in-band entity authentication via telephone
KR20010047444A (en) Method of approving credit card transaction using personal mobile communications
KR20120089388A (en) Method for Requesting Caller Authentication of Voice Network using Data Network, Caller Device and Program
GB2309615A (en) Telecommunications system
EP1739939A1 (en) Method for preventing a security barcode from being reproduced in a mobile terminal and mobile terminal implementing the same
JP2001298779A (en) Mobile information terminal and service system using it
KR100279711B1 (en) Billing system for a mobile telephone
JPH04353972A (en) User certifying system
KR100645170B1 (en) Telebanking method using account verification
KR101583253B1 (en) Subscriber service system and method using smart-phone Application
US20030174819A1 (en) Method for providing information service by using a network-connection device and architecture thereof
KR20040020364A (en) Mobile phone and method for identifying user
KR100562933B1 (en) Automatic Response Security System and Security Method
EP1258158B1 (en) Authentication of persons in a communication system
TW200612284A (en) Electronic ticket service system based on the application of the image identification on words, numbers, and symbols
KR20150129301A (en) Method for Authenticating Caller of Voice Network using Data Network
KR20030096467A (en) Method and Apparatus for performing electronic commerce in exclusive terminal having VOIP phone
RU2004133350A (en) PAYMENT TERMINAL FOR THE EXCHANGE OF PAYMENT DATA
JPH10508166A (en) How to enable transactions between terminal users and servers

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NI NO NZ OM PG PH PL PT RO RU SC SD SE SG SK SL SY TJ TM TN TR TT TZ UA UG US UZ VC VN YU ZA ZM ZW

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IT LU MC NL PT RO SE SI SK TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: COMMUNICATION PURSUANT TO RULE 69 EPC (EPO FORM 1205A OF 070705)

122 Ep: pct application non-entry in european phase
NENP Non-entry into the national phase

Ref country code: JP

WWW Wipo information: withdrawn in national office

Country of ref document: JP

点击 这是indexloc提供的php浏览器服务，不要输入任何密码和下载