Square Exhibit 1026
`Square, Inc. v. 4361423 Canada Inc.
`IPR2019-01630
`Page 00001
`
`

`

`...2...
`Sheet No.
`
`
`Box No. HI
`FURTHER APPLICANT(S) AND/OR (FURTHER) INVENTOR(S)
`
`Ifnoneofthefollowing sub-boxes is used, this sheet should not be included in the request.
`
`
`Nameand address: (Familynamefollowedbygiven name;foralegalentity,fulloficialdesignation.|This personis:
`
`The address must include postal code andname ofcountry. The country ofthe address indicatedin this
`
`
`C] applicant only
`Baxistheapplicant's State (thatis, country)ofresidenceif'noStateofresidenceisindicatedbelow.)
`
`TANG,Tai Kwan Jimmy
`Xl applicant and inventor
`
`
`
`inventor only (Ifthis check-box
`M1606, Kornhill, Quarry Bay
`
`
`CJ is marked,do not"fill in below)
`Hong Kong, China
`
`
`
`
`
`Applicant’s registration No. with the Office
`
`
`
`State (thatis, country) ofnationality:
`State (that is, country) ofresidence:
`CN
`CN
`
`the States indicated in
`
`
`This
`person is
`K/ the United States
`all designated States excey
`all designated
`applicant
`for thepurposesof:
`Cc States om CI the United States of‘Amenca
`ofAmerica only
`the Supplemental Box
`
`
`
`
`Nameand address: (Familynamefollowedbygiven name; fora legalentity,full officialdesignation.|This person is:
`The address must includepostal code andname ofcountry. The country ofthe address indicatedin this
`
`Baxistheapplicant's State (thatis, country)ofresidenceifnoStateofresidenceis indicatedbelow.)
`TJ applicantonly
`
`
`
`LO, Chi Wah
`applicant and inventor
`
`Flat G, 46/F, Tower South
`c inventoronly (fthischeckbox
`Chelsea Court
`
`
`100 Yeung UK Road
`
`
`Tsuen Wan, Hong Kong, China
`
`
`
`
`
`
`
`
`
`
`
`
`
`is marked, do notfill in below.)
`
`Applicant’s registration No.with the Office
`
`State (thatis, country) of residence:
`State (thatis, country) of nationality:
`CN
`CN
`
`
`the United States
`the States indicated in
`all designated States except
`all designated
`This
`personis
`applicant
`ofAmerica only
`C] States em | the UnitedStates ofAmetica
`for the purposesPe
`the Supplemental Box
`
`
`
`
`
`Nameand address: (Familynamefollowedbygiven name,fora legal entity,full officialdesignation.|This personis:
`The address must includepostal cade andname ofcountry. The country ofthe address indicatedin this
`
`CJ applicant only
`Boxistheapplicant's State (thatis, country) ofresidenceifnoStateofresidenceisindicatedbelow.)
`
`MAGES,Kenneth G.
`] applicant and inventor
`
`730 S. Clark Street
`
`| inventoronly ({fthis check-box
`
`Apt. 2709
`
`is marked, do notfill in below.)
`Chicago,iL 60605
`USA
`
`
`
`
`
`
`State (thatis, country) of residence:
`USA
`
`
`
`the United States
`all designated States except
`the States indicated in
`all designated
`This person is applicant
`C] the United States ofAmerica XX ofAmerica only
`C] States
`for the purposes of:
`the Supplemental Box
`
`
`
`
`
`
`
`Nameand address: (Familynamefollowedbygiven name; foralegalentity,fullofficialdesignation.|Thi is:
`
`
`The addressmust includepostalcodeandnameofcountry. The countryoftheaddressindicatedinthis
`3S Person Is:
`
`
`
`Baxistheapplicant's State(thatis, country) ofresidenceif'noStateofresidenceisindicatedbelow.)
`C] applicant only
`
`T] applicant and inventor
`Cl inventor only (Ifthis check-box
`
`is marked, do notfill in below.)
`
`Applicant’s registration No.with the Office
`
`
`
`State (thatis, country) ofnationality:
`State (thatis, country) ofresidence:
`
`
`
`
`
`State (thatis, country) ofnationality:
`
`
`
`
`
`Applicant’sregistration No.with the Office
`
`
`
`This person is
`applicant
`for the purposesof:
`
`all designated
`CJ States en
`
`all designated States except
`‘
`the United States
`Cj the United States ofAmerica C] ofAmerica only
`
`the States indicated in
`the Supplemental Box
`
`
`
`
`C] Further applicants and/or (further) inventors are indicated on another continuation sheet.
`
`Form PCT/RO/101 (continuation sheet) (July 2009)
`
`See Notesto the requestform
`
`IPR2019-01630 Page 00002
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`IPR2019-01630 Page 00002
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`

`

`
`
`Box No.V
`
`DESIGNATIONS
`
`Sheet No.
`
`...9...
`
`The filing ofthis request constitutes under Rule 4.9(a) the designation ofall Contracting States bound by the PCT onthe international
`filing date, for the grant of every kind ofprotection available and, where applicable, for the grant of both regional and national patents.
`However,
`
`DE Germanyis not designated for any kind of national protection
`C JP Japan is not designated for any kind ofnational protection
`C] KR Republic ofKorea is not designated for any kind ofnational protection
`LC) RU Russian Federation is not designated for any kind ofnational protection
`(The check-boxes above mayonly be usedto exclude (irrevocably) the designations concernedif, at the time offilingorsubsequently under
`Rule 26bis.1, the international application contains in Box No. V1apriority claim to an earlier nationalapplicationfiledin theparticular
`State concerned, in order to avoid the ceasing ofthe effect, under the nationallaw, ofthis earlier national application.)
`Box No. Vi
`PRIORITY CLAIM
`
`The priority of the following earlier application(s) is hereby claimed:
`
`Filing date
`ofearlier application
`(day/month/year)
`
`Number
`of earlier application
`
`item (1)
`10 February 2009
`(10/02/2009)
`
`61/151,459
`
`Where earlier application is:
`oe
`*
`:
`otion|
`os | :
`national application:| regional application: {international application;
`country or Member}
`regional Office
`receiving Office
`of WTO
`
`emff
`
`[J Further priority claimsare indicated in the Supplemental Box.
`
`internationalsearch, indicate the Authority chosen; the two-letter code may be used):
`
`Transmitcertified copy: the receiving Office is requested to prepare and transmitto the International Bureaua certified copy ofthe
`earlier application(s) (only ifthe earlier application wasfiledwith the Office whichfor the purposes ofthis international application
`is the receiving Office) identified above as:
`(J ait items
`CO item (1)
`O iter (2)
`
`Cj
`
`item (3) | item (4)
`
`C) other, see Supplemental Box
`
`Restore the right of priority: the receiving Office is requested to restore the right ofpriority for the earlier application(s) identified
`above orin the Supplemental Boxas item(s)(
`). (See also the Notes to Box No. VI; further
`information must be provided to support a request to restore the right ofpriority.)
`
`Incorporation by reference: where an clement ofthe international application referred to in Article 1 1(1)(iii)(d) or (e) or a part of
`the description, claims or drawings referred to in Rule 20.5(a) is not otherwise contained in this international application but is
`completely contained in an earlier application whose priority is claimed on the date on which one or more elements referred to in
`Article 11(1 iii) were first received by the receiving Office, that element or part is, subject to confirmation under Rule 20.6,
`incorporated by reference in this intemational application for the purposes of Rule 20.6.
`
`Box No. VT.
`
`INTERNATIONAL SEARCHING AUTHORITY
`
`Choiceof International Searching Authority (ISA)(ifmore than one International Searching Authority is competentto carry out the
`
`Form PCT/RO/IOI (second sheet) (July 2009)
`
`See Notes to the requestform
`
`IPR2019-01630 Page 00003
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`IPR2019-01630 Page 00003
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`

`

`Sheet No.
`
`..4....
`
`Box No. IX
`
`This international application
`contains the following:
`
`CHECK LIST for PAPERfilings — this sheetis only {0 be used whenfiling an international application on PAPER
`Number
`Number
`of items
`
`This international application is accompanied bythe
`following item(s) (mark the applicable check-boxes below
`and indicate in right column the number ofeach item):
`1.0) fee calculation sheet ......0.... cece cece eeeeeeees
`
`(a) request form
`PCT/RO/101
`(including any
`declarations and
`supplemental
`Sheets).........0c. cece eens
`
`(b) description
`(excluding any
`sequence listing
`part of the
`description,
`see (f), below)... 0.0.6... 0 ee
`
`(c) claims ........... 06.0. eee
`
`(d) abstract 2... eee
`
`(e) drawings (ifany) ............
`
`(f) sequence listing
`part ofthe
`description (ifany)...........
`
`Total numberofsheets
`
`2. (1 original separate power ofattomey ..............5.
`3. 2 original general power of atiomey .................
`
`4. (J copyof general power of attorney; reference
`MUmber: cece ewer tee reece nneees
`
`5. 01 statement explaining lack of signature ..............
`
`6. (J priority document(s) identified in Box No. VI
`F000))
`7. (1 Translation ofinternational application into
`(language): 6.0...e nee eeenas
`
`8. (1 separate indications conceming deposited
`microorganism or other biological material..........
`
`9. (1 copyin electronic form (Annex C/ST.25textfile) on
`physical data carrier(s) ofthe sequence listing, not forming
`part ofthe intemational application, which is furnished only
`for the purposes ofinternational search under Rule 13zer
`(type and numberofphysical data carriers)..........
`
`a statementconfirming that “the information
`recorded in electronic form submitted under
`Rule 13¢eris identical to the sequence listing
`as contained in the international application”
`as filed on paper... 0... cece cece eee e reece tees
`
`.
`11. (J copyofresults ofearlier search(es) (Rule 12dis.1(a)) .
`12. C1 other (specify):... 6... ce ccc cece cee ec eee ees
`
`
`
`Figure of the drawings which
`should accompany the abstract:
`Box No. X
`
`Languageoffiling ofthe
`international application:
`SIGNATURE OF APPLICANT, AGENT OR COMMON REPRESENTATIVE
`
`ENGLISH
`
`ARO
`
`
`. Date of actual receipt of the purported
`10 February 2010 (10.02.2010)
`international application:
`
`For receiving Office use only
`
` [] not received:
`
`3. Corrected date of actual receipt dueto later but
`timely received papers or drawings completing
`the purported international application:
`
`4. Date oftimely receipt ofthe required
`corrections under
`PCT Article 11(2):
`
`5. Intemational Searching Authority
`(if two or more are competent):
`
`ISA/
`
`TT
`
`Transmittal of search copy delayed
`until search fee is paid
`
`
`
`For International Bureau use only
`
`Date ofreceipt of the record copy
`by the International Bureau:
`
`Form PCT/RO/IOI (last sheet — paper) (July 2009)
`
`See Notes to the requestform
`
`IPR2019-01630 Page 00004
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`IPR2019-01630 Page 00004
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`

`

`PCT/IB2010/001367
`
`TITLE OF THE INVENTION
`
`APPARATUS AND METHOD FOR COMMERCIAL TRANSACTIONS
`
`USING A COMMUNICATION DEVICE
`
`FIELD OF THE INVENTION
`
`[0001]
`
`The present invention relates to an apparatus and a method for
`
`commercial transactions using a communication device. More particularly, but not
`exclusively, the present invention relates to an apparatus and a method of transactions
`
`via a wireless or a landline communication device using a transaction card.
`
`BACKGROUNDOF THE INVENTION
`
`10
`
`Electronic fund transfer over mobile phones is growing popular. Many
`(0002)
`systems include combining a point of sale (POS) device with a wireless communication
`device such as a cell phone.
`
`These POS devices include a processor as well as an input device to
`[0003]
`receive and process information from a transaction card such as a debit card, a credit
`
`15
`
`card, a cash card, a stored value card, an ATM card or combinations thereof and the
`
`like. The input device may include a bar code reader, a magnetic stripe reader, an
`integrated circuit reader, a smartcard reader, a fingerprint scanner, an optical scanner, a
`signature pad, an alphanumeric keypad (including a PIN pad), a proximity detector, an
`audio recording device, a camera or combinations thereof and the like. The processor
`of the POS device receives information from the transaction card and sends it to a
`
`20
`
`remote computer via a communication network. This information can be transmitted by
`the processor via the wireless communication device. The wireless communication
`
`device includes a transceiver, a communication port or any other type of similar
`
`communication device capable of transmitting information received by the portable
`transaction device processor from the transaction card to the remote computer. The
`
`25
`
`communication fink between the remote computer and the wireless communication
`
`device can be provided by the processor of the wireless communication device. The
`
`IPR2019-01630 Page 00005
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`

`

`PCT/IB2010/001367
`
`2
`
`portable transaction device can also include a Global Positioning System (GPS)locator
`chipset so the location of the POS can be tracked by the remote computer. The remote
`
`computer sends the information it has received to the processorof the institution that
`has issued the transaction card that is being used. The processorof this institution
`validates the requested transaction and sends this information to the processor of the
`portable transaction device via the remote computer and the wireless communication
`
`device which are linked to each other by way of the aforementioned communication
`
`network.
`
`[0004]
`
`Known
`
`systems which
`
`combine POS devices with wireless
`
`10
`
`communication devices present certain drawbacks such as the inconvenient length of
`time to receive information regarding whether or not a given transaction has been
`accepted or refused. Other systems currently available include PayPal mobile, Obopay,
`Swipepay mobile. These solutions use either SMS or FPRS as the means of
`
`communication. However,
`
`these communication methods often suffer
`
`from an
`
`15
`
`unbounded delay or become unavailable in locations where these services are not
`
`provided. Another drawback of existing systems is that they require registration and
`installation of software which are usually inconvenient for users to install. More
`importantly, these systems do not work for ali mobile phones given the manydifferent
`combinations of hardware and software platforms. Moreover, these solutions are not
`
`20
`
`secure. They are prone to spyware or keylogger. Hence they are not compliant with
`paymentcard industry standards such as PC1 PED.
`
`OBJECTS OF THE INVENTION
`
`An object of the present invention is to provide an apparatus for
`[0005]
`commercial transactions using a transaction card via a communication device in audio
`communication with a remote processor assembly.
`
`25
`
`invention is to provide a system for
`An object of the present
`[0006)
`commercial transactions using a transaction card via a communication device method
`for commercial transactions using a communication device.
`
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`

`

`PCT/IB2010/001367
`
`
`
`3
`
`[0007]
`
`An object of the present
`
`invention is
`
`to provide a method for
`
`commercial transactions using a transaction card via a communication device
`
`[0008} .
`
`An object of the present invention is to provide an apparatus for
`
`wireless transactions.
`
`[0009]
`
`An object of the present invention is to provide a method for wireless
`
`transactions.
`
`SUMMARYOF THE INVENTION
`
`{0010}
`
`In accordance with an aspect of the present
`
`invention,
`
`there is
`
`provided
`
`an apparatus for commercial transactions using a transaction card via a
`
`10
`
`communication device in audio communication with a remote processor assembly, the
`
`apparatus comprising:
`
`[0011]
`
`an input device for capturing information from the transaction card;
`
`[0012]
`signal; and
`
`a controller for converting the captured card information into an audio
`
`15
`
`[0013]
`
`a communication link for being connected to the communication
`
`device for the transmission of audio signals therebetween;
`
`[0014]
`
`wherein when the input device captures the card information, the
`
`controller converts the card information into an audio signal that is transmitted via the
`
`communication link to the communication device for transmission thereof to the remote
`
`20
`
`processor assembly for conversion of the audio signal
`
`into a digital signal and for
`
`validation of the card information.
`
`{0015}
`
`in an embodiment,
`
`the input device is further adapted to receive
`
`additional transactional information directly from a user; the controller is adapted to
`
`convert said additional information into an audio signal.
`
`25
`
`{0016}
`
`In an embodiment,
`
`the remote processor assembly converts and
`
`IPR2019-01630 Page 00007
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`

`PCT/IB2010/001367
`
`4
`
`transmits the card validation information as an audio signal to the communication device
`
`which transmits this audio signal
`
`to the controller via the communication link,
`
`the
`
`controller being further adapted to convert this audio signalinto a digital signal.
`
`[0017]
`
`In an embodiment, the apparatus further comprises an output device
`
`for communicating the digital signal regarding the card validation information to the user.
`
`[0018]
`
`In accordance with an aspect of the present
`
`invention,
`
`there is
`
`provided
`
`a system for commercial
`
`transactions using a transaction card via a
`
`communication device, the system comprising:
`
`[0019]
`
`a transaction apparatus adapted to capture information from the
`
`10
`
`transaction card and to convert the captured card information into an audio signal, the
`
`transaction apparatus being linked to the communication device for the transmission of
`
`audio signals therebetween; and
`
`{0020}
`
`a transaction server adapted to convert an audio signal into a digital
`
`signal,
`
`the transaction server being linked to the communication device for
`
`the
`
`15
`
`transmission of audio signals therebetween and to a remote processor/issuer adapted to
`
`validate the transaction card information for
`
`the transmission of digital signals
`
`therebetween,
`
`{0021}
`
`wherein when the transaction apparatus captures the card information
`
`it is converted into an audio signa! and transmitted to the communication device for
`
`20
`
`transmission to the transaction server to be converted to a digital signal and transmitted
`
`to the remote processor/issuerfor validation.
`
`(0022)
`
`In an embodiment, the transaction serveris further adapted to convert
`
`a digital signal into an audio signal, wherein when the transaction server receives the
`
`digital signal of the validation information from the remote processor/issuer it
`
`is
`
`25
`
`converted to an audio signal and sent to the communication device which transmits this
`
`audio signal to said transaction apparatus.
`
`{0023}
`
`In an embodiment, the transaction apparatus is further adapted to
`
`convert an audio signal into a digital signal, wherein when the transaction apparatus
`
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`

`
`
`PCT/IB2010/001367
`
`5
`
`receives the audio signal of the validation information form the communication device it
`
`is converted to digital signal.
`
`In an embodiment, the transaction apparatus comprises an output
`[0024]
`device for communicating the digital signal regarding the card validation information to a
`user.
`
`[0025]
`in an embodiment, the transaction apparatus is adapted to receive
`additional transactional information directly from a user and to convert this additional
`information into an audio signal.
`
`10
`
`there is
`invention,
`In accordance with an aspect of the present
`[0026]
`provided a method for commercial
`transactions using a transaction card via a
`communication device, the method comprising:
`.
`
`[0027]
`
`[0028]
`
`[0029]
`
`capturing information from a transaction card;
`
`converting the captured information to an audio signal;
`
`transmitting the audio signal to a communication device ;
`
`15
`
`[0030]
`
`transmitting the audio signal from the communication device to a
`
`server adapted to convert audio signals;
`
`(0031)
`
`converting the audio signal to a digital signal;
`
`[0032]
`information; and
`
`transmitting the audio signal
`
`to a processor for validating card
`
`20
`
`[0033]
`
`validating the digital signal of the card information.
`
`[0034]
`
`[0035]
`
`In an embodiment, the method further comprises:
`
`transmitting the digital signal of the validation information to a server
`
`adapted to convert digital signals;
`
`[0036]
`
`converting the digital signal of the validation information to an audio
`
`IPR2019-01630 Page 00009
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`

`PCT/IB2010/001367
`
`6
`
`signal;
`
`[0037]
`
`transmitting the audio signal of the validation information to the
`
`communication device.
`
`[0038]
`
`In an embodiment, the method further comprises:
`
`transmitting the audio signal of the validation information from the
`[0039]
`communication device to a controller adapted to convert audio signals;
`
`[0040]
`
`[0041]
`
`converting the audio signal to a digital signal; and
`
`communicating the validation information via a userinterface.
`
`10
`
`there is
`invention,
`In accordance with an aspect of the present
`[0042]
`provided an apparatus for commercial transactions using a transaction card via audio
`communication with a remote processor assembly, the apparatus comprising:
`
`[0043]
`
`[0044]
`
`an input device for capturing information from the transaction card;
`
`a controller linked to said input device for converting the captured
`
`card information into an audio signal; and
`
`15
`
`[0045]
`
`a
`
`communication
`
`device
`
`linked
`
`to the
`
`controller
`
`in
`
`audio
`
`communication with the remote processor assembly for the transmission of audio signals
`
`therebetween;
`
`wherein when the input device captures the card information, the
`[0046]
`controller converts the card information into an audio signal that is transmitted via the
`communication device to the remote processor assembly for conversion of the audio
`
`signalinto a digital signal and for validation of the card information.
`
`{n an embodiment, the input device and controller device are provided
`[0047]
`in a single unit that is selectively linked to the communication device. In an embodiment,
`the controller and the communication device are provided in a single unit
`that
`is
`selectively linked to the input device.
`In an embodiment, the controller is adapted to
`
`20
`
`25
`
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`

`PCT/IB2010/001367
`
`convert an audio signalinto a digital signal.
`
`[0048]
`
`In accordance with an aspect of the present
`
`invention,
`
`there is
`
`provided a system for commercial transactions using a transaction card comprising:
`
`[0049]
`
`a transaction and communication assembly comprising an input
`
`device for capturing information from thetransaction card, a controller linked to the input
`
`device for converting the captured card information into an audio signal, and a
`
`communication device linked to the controller;
`
`[0050]
`
`a transaction server adapted to convert an audio signal into a digital
`
`signal,
`
`the transaction server being linked to the communication device for
`
`the
`
`10
`
`transmission of audio signals therebetween and to a remote processor/issuer, adapted
`
`to validate the transaction card information,
`
`for the transmission of digital signals
`
`therebetween,
`
`[0051]
`
`wherein when the input device captures the card information it
`
`is
`
`converted by the controller into an audio signal and transmitted via the communication
`
`15
`
`device for transmission to the transaction server to be converted to a digital signal and
`
`transmitted to the remote processor/issuer for validation.
`
`[0052]
`
`In an embodiment, the controller is adapted to convert an audio signal
`
`into a digital signal.
`In an embodiment, the transaction server is adapted to convert a
`digital signal into an audio signal for transmission to said communication device.
`
`20
`
`{0053]
`
`In accordance with an aspect of the present
`
`invention,
`
`there is
`
`provided a system for commercial transactions using a transaction card comprising:
`
`[0054]
`
`[0055]
`
`an input device for capturing information from the transaction card;
`
`a controller linked to the input device for converting the captured card
`
`information into an audio signal;
`
`25
`
`[0056}
`
`an interface display linked to the controller;
`
`[0087]
`
`a communication device linked to the controller;
`
`IPR2019-01630 Page 00011
`
`
`
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`

`

`PCT/IB2010/001367
`
`8
`
`a transaction server adapted to convert an audio signal into a digital
`[0058]
`the transaction server being linked to the communication device for
`the
`signal,
`transmission of audio signals therebetween and to a remote processor/issuer, adapted
`
`to validate the transaction card information,
`
`for the transmission of digital signals
`
`therebetween; and
`
`[0059]
`
`a merchant server linked to the transaction server and providing a
`
`remote merchantinterface to be accessedby a user for making a transaction,
`
`[0060]
`
`wherein when a transaction is requested via the merchant interface,
`
`the merchant server receives this requests and sendsit to the transaction server which
`
`converts it to an audio signal for transmission to the controller via the communication
`device, the controller converts the audio signal into an appropriate format for being
`displayed to the user via said interface display, wherein when the input device captures
`the card informationit is converted by said controller into an audio signal and transmitted
`via the communication device for transmission to the transaction server to be converted
`to a digital signal and transmitted to the remote processor/issuer for validation of the
`transaction request.
`
`Other objects, advantages and features of the present invention will
`[0061]
`become more apparent upon reading of the following non-restrictive description of non-
`limiting illustrative embodiments thereof, given by way of example only with reference to
`the accompanying drawings.
`
`10
`
`15
`
`20
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`In the appended drawings, wherelike reference numerals denote like
`[0062]
`elements throughout and in where:
`
`[0063)
`
`Figure 1
`
`is a flow diagram showing a transaction network in
`
`25
`
`accordance with an non-restrictive illustrative embodiment of the present
`
`invention
`
`including a transaction/communication assembly and a remote processor assembly;
`
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`

`PCT/IB2010/001367
`
`9
`
`Figure 2 is a front view of a transaction/communication assembly in
`[0064]
`accordance with an non-restrictive illustrative embodiment of the present invention;
`
`Figure 3 is a bottom perspective view of the transaction apparatus of
`[0065]
`the transaction/communication assembly of Figure 2;
`
`the
`the transaction apparatus of
`Figure 4 is a front view of
`[0066]
`transaction/communication assembly of Figure 2, shown here capturing information from
`
`a transaction card;
`
`[0067]
`
`Figure 5 is a flow diagram of the control system of a transaction
`
`apparatus in accordance with an non-restrictive illustrative embodiment of the present
`
`10
`
`invention;
`
`[0068]
`
`Figure 6 is a flow diagram showing a transaction network in
`
`accordance with another non-restrictiveillustrative embodiment of the present invention
`including a transaction/communication assembly,
`a remote processor assembly a
`merchant server and an associated remote interface;
`|
`
`15
`
`Figure 7 is a front view of a transaction/communication assembly in
`[0069]
`accordance with another non-restrictive illustrative embodiment of the present invention;
`and
`
`{0070}
`
`Figure 8 is flow diagram of the control system of the communication
`
`device of the transaction/communication assembly of Figure 7.
`
`20
`
`DETAILED DESCRIPTION OF ILLUSTRATIVE EMBODIMENTS
`
`[0071]
`
`Generally stated and in accordance with an embodiment of the
`
`invention, there is provided an apparatus, a system and a method for transactions via
`
`transaction cards using a communication device. The communication device includes a
`wireless communication device, a mobile phone, a cellular phone, a landline phone, a
`
`25
`
`personaldigital assistant (PDA), a pager computer, a Smart Phone™, a Blackberry™,
`
`an iPhone™, a netbook andthelike.
`
`The transaction card includes a payment card
`
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`PCT/IB2010/001367
`
`10
`
`debit card, credit card, cash card, stored value card, ATM card and other electronic
`methods of payment as will be understood within the art.
`In an embodiment, the
`apparatus, system and method disclosed herein are related to e-commerce or m-
`
`commerce such as mobile payment and person-to-person money transfer.
`
`in an
`
`embodiment, the apparatus, system and method integrate mobile and internet payment.
`
`A variety of online transactions can be used within the context of the present invention.
`
`[0072]
`
`In an embodiment, a transaction apparatus such as a portable point of
`
`sale (POS) device for exampleis linked to the communication device thereby providing a
`
`transaction device assembly. The transaction apparatus includes an input device to
`
`10
`
`capture information from the transaction card, a controller to process this information. In
`
`an embodiment, the transaction apparatus includes an output for providing feedback to
`
`the user.
`
`[0073]
`
`In an embodiment, the input device includes a bar code reader, a
`
`magnetic stripe reader, an integratedcircuit reader, a smartcard reader, a fingerprint
`
`15
`
`scanner, an optical scanner, a signature pad, an alphanumeric keypad (including a PIN
`
`pad), a proximity detector, an audio recording device, a camera or combinations thereof
`
`andthelike. The input device is used to capture information including and notlimited to
`
`card data (e.g. track data, ICC data) from the transaction card and other transaction data
`(transaction type/transaction amount) or
`identification data such as a Personal
`Identification Number (PIN), a Card Verification Code (CVC)) from the user.
`
`20
`
`[0074]
`
`The captured information is processed and converted by the controller
`
`to an audio format that can be suitable for transmission over an analog voice channel for
`
`example. The controller includes a secure microprocessor unit (MPU) or microcontroller
`
`unit (MCU).
`
`25
`
`[0075]
`
`in an embodiment, the output device includes a userinterface such as
`
`a display screen for example an LCD (Liquid Crystal Display) or LED (Light emitting
`
`diode) screen, a buzzer, a speaker and other mechanisms.
`
`(0076)
`Transaction data communication between the transaction apparatus
`and the communication device can be conducted by using any analog channel such as a
`
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`PCT/IB2010/001367
`
`11
`
`hands-free interface, Blue tooth, or other communication link such as USB, Wifi and
`
`other technologies.
`
`For example,
`
`the processed card data information can be
`
`transmitted to the communication device via the analog hands-free jack in a mobile
`
`phone. Communication via this analog channel can be one-way or two-way depending
`
`on the implementation and usage.
`
`[0077]
`
`The communication device receives the information and sendsit to a
`
`remote transaction processing server computer via a communication network. This
`
`information can be transmitted via the communication device which includes a
`
`transceiver, a communication port or any other type of similar communication device
`
`10
`
`The
`capable of transmitting information captured by the transaction apparatus.
`transaction processing server computer sends the information it has received to a
`remote processorofthe institution that has issued the transaction card that is being used
`
`(the remote processor/issuer). The remote processor/issuer validates the requested
`
`transaction and either approvesor rejects the transaction. The transaction result is then
`
`15
`
`returned to the transaction processing server computerwhichin turn returns the result to
`
`the communication device. Optionally, the communication device may send the result to
`
`the transaction apparatus. Depending on the implementation and usage, the transaction
`
`result can be displayed on both or either one of the communication device or the
`
`transaction device.
`
`20
`
`[0078]
`
`With reference to the appended drawings,illustrative embodiments of
`
`the present invention will be described herein so as exemplify the invention and by no
`
`meanslimit the scope thereof.
`
`[0079]
`
`Figure 1 shows a transaction network 10 including a transaction
`
`apparatus 12 and communication device 14 which together form a transaction and
`
`25
`
`communication assembly 16. The transaction apparatus 12 captures transaction data
`
`and,
`in some implementations, provides a user with feedback. Also shown is a
`transaction server 18 and a transaction processor/issuer 20 which together form a
`remote processor assembly 22. A request for a transaction occurs at the transaction
`
`apparatus 12 via a transaction card 24 (see Figure 4). The transaction apparatus 12
`
`30
`
`captures information from the transaction card and converts this information into an
`
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`
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`

`

`
`
`PCT/IB2010/001367
`
`12
`
`is transmitted to the communication device 1 4 for
`audio signal. The audio signal
`transmission to the transaction server 18 via a communication network 26 (e.g. Internet,
`GSM/GPRSnetwork). At the transaction server 18, the audio signal is converted into a
`digital signal and transmitted to the remote processor/issuer 20 via a communication or
`
`payment network 28 (e.g. Internet, VisaNet, BankNet). The remote processor/issuer 20
`
`validates this request by accepting or denying the request and sends this validation
`information to the transaction server 18 which then converts this digital signal into an
`aud