US6169890B1
Expired / Lapsed
US
⏱️ 0.0 years remaining
Mobile telephone system and method for carrying out financial transactions using a mobile telephone system
Assignee: Sonera Smarttrust Oy
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Filing: 1993-11-11
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Granted: 2001-01-02
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Expires: 2013-11-11
Abstract
Abstract A method and apparatus for effecting user-initiated communications, such as payment transactions, between user-accessible data terminal equipment communicatingly linkable with a mobile telephone exchange and at least one service provider, wherein each user or subscriber has a service card that is uniquely associated with that system subscriber, preferably employs a dedicated network to which the mobile exchange is connected at one end of the network and the service provider is connected at another end. The user's identity is locally authenticated before a communications connection through the network is provided, and user access rights to particular services of the service provider are determined in a database at the service provider end of the network. The invention is particularly well suited to the use of a SIM-card in a GSM-network to provide secure communications in an environment demanding high data security.
Inventors
- 👤 Harri Tapani Vatanen
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-04 21:19
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/0866; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/30; G06Q20/32; G06Q20/322; G06Q20/3223; G06Q20/326; G06Q20/3263; G06Q20/36; G06Q20/363; G07F17/00; G07F17/0014; H; H04; H04M; H04M15/00; H04M15/68; H04M17/00; H04M17/02; H04M2215/00; H04M2215/01; H04M2215/0196
Claims Analysis
Total Claims: 11
Claim 1
Independent Claim
224 words
A method for using telecommunications services to carry out financial transactions by a mobile telephone system comprising a mobile telephone exchange for coupling connections; a data terminal equipment ( 1 ) comprising a service card ( 2 ) which contains an intellegence part; a desired service provider ( 13 ); and an authentication center ( 5 ), the method comprising of requesting entry of a personal identity code of a user; accepting entry of the personal identity code of the user to the data terminal equipment ( 1 ); verifying validity of the personal identity code; establishing a connection between the mobile telephone exchange and the data terminal equipment ( 1 ); in response to the valid personal identity code: authenticating the user of the mobile telephone system in the authentication center ( 5 ) by means of the personal identity code and data from the intelligence part of the service card by performing the steps of: authenticating the user locally in te authentication center ( 5 ) to verify his rights to use the service of the desired service provider ( 13 ); connecting the user to the desired service provider ( 13 ) via dedicated network ( 6 ), whereby the connection between the data terminal equipment ( 1 ) and the desired service provider ( 13 ) is a secure connection.
Claim 2
Independent Claim
224 words
A method for using telecommunications services to carry out financial transactions by a mobile telephone system comprising a mobile telephone exchange for coupling connections; a data terminal equipment ( 1 ) comprising a service card ( 2 ) which contains an intellegence part; a desired service provider ( 13 ); and an authentication center ( 5 ), the method comprising of requesting entry of a personal identity code of a user; accepting entry of the personal identity code of the user to the data terminal equipment ( 1 ); verifying validity of the personal identity code; establishing a connection between the mobile telephone exchange and the data terminal equipment ( 1 ); in response to the valid personal identity code: authenticating the user of the mobile telephone system in the authentication center ( 5 ) by means of the personal identity code and data from the intelligence part of the service card by performing the steps of: authenticating the user locally in te authentication center ( 5 ) to verify his rights to use the service of the desired service provider ( 13 ); connecting the user to the desired service provider ( 13 ) via dedicated network ( 6 ), whereby the connection between the data terminal equipment ( 1 ) and the desired service provider ( 13 ) is a secure connection.
Claim 3
Dependent Claim
67 words
A method according to claim 1 , wherein the mobile telephone system is a Global System for Mobil Communication (GSM)-type mobile telephone system with service-card-controlled mobile teminals, and wherein the service card contains a Subscriber Identity Module (SIM) unit for the GSM-type network, which has in authentication applications been initialized to demand entry of the user's identification by Personal Identity Number (PIN) associated with the service card.
Claim 4
Dependent Claim
42 words
A method according to claim 2 , wherein in applications deemed to required high data security, the connections established in the GSM-type-network are transmitted from the mobile telephone exchange ( 4 ) to the dedicated network ( 6 ), thereby preventing misuse.
Claim 5
Dependent Claim
66 words
A method according to claim 1 , 2 or 3 wherein in the said connections established from the mobile telephone exchange ( 4 ) via the dedicated network ( 6 ) to the service provider ( 13 ), after the said local user authentication a subscription number associated with the the calling subscription (A-number) identity is utilized to check the user's rights to use the service.
Claim 6
Dependent Claim
44 words
A method according to claim 1 , 2 , 3 or 4 , wherein in the mobile telephone exchange a call to a predetermined number is transmitted to the dedicated network ( 6 ) according to a register contained in the mobile telephone exchange.
Claim 7
Dependent Claim
56 words
A method according to claim 1 , 2 , 3 , 4 or 5 , wherein from a private network there is provided a connection via a service switching point and a service control point to predetermined user services according to registration in a service database administered by an operator to connect user to desired services.
Claim 8
Independent Claim
173 words
A method of making payment by a terminal equipment of a mobile telephone exchange of a global System for Mobile Communication (GSM) type mobile telephone network, the said terminal equiment having a SIM card associated with it enabling user's calls, the method comprising the steps of: establishing a connection from the terminal equipment to the mobile telephone network; providing an access to service provider's services via said connection; reading from the SIM card user-identifying data; reserving the terminal equipment based on the user-identifing data; entering a card identifying number into the terminal equipment, authenticating the user according to the user-identifying data and the card identifying number; connecting the terminal equipment to the GSM network; calling a service provider's payment system; forming a connection with the service provider's payment system; giving an amount to be paid, confirming the amount; approving the payment; assigning a payment identifying number and producing a receipt of the transaction in the service provider's terminal; and in the service provider's payment system, charging telephone connection time and cutting off connection.
Claim 9
Independent Claim
173 words
A method of making payment by a terminal equipment of a mobile telephone exchange of a global System for Mobile Communication (GSM) type mobile telephone network, the said terminal equiment having a SIM card associated with it enabling user's calls, the method comprising the steps of: establishing a connection from the terminal equipment to the mobile telephone network; providing an access to service provider's services via said connection; reading from the SIM card user-identifying data; reserving the terminal equipment based on the user-identifing data; entering a card identifying number into the terminal equipment, authenticating the user according to the user-identifying data and the card identifying number; connecting the terminal equipment to the GSM network; calling a service provider's payment system; forming a connection with the service provider's payment system; giving an amount to be paid, confirming the amount; approving the payment; assigning a payment identifying number and producing a receipt of the transaction in the service provider's terminal; and in the service provider's payment system, charging telephone connection time and cutting off connection.
Claim 10
Dependent Claim
36 words
A method according to claim 7 , comprising: checking the user's right of use in service providers terminal; checking an amount to be paid by the card; and acknowledging to the user receipt of the payment.
Claim 11
Dependent Claim
21 words
A method according to claim 7 , wherein a subscription of calling subscription (an A-number) identity corresponds to an account number.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2004-01-02 | 2004-07-03 | 2005-01-02 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2008-01-02 | 2008-07-03 | 2009-01-02 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2012-01-02 | 2012-07-03 | 2013-01-02 | $7700.00 | Window Closed / Lapsed |