(12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY(PCT)
`
`(19) World Intellectual Property Organization
`International Bureau
`
`(43) International Publication Date
`25 April 2002 (25.04.2002)
`
` (10) International Publication Number
`
`WO 02/33669 Al
`
`(51) International Patent Classification’:
`HO4M 1/215
`
`GO7F 7/10,
`
`Naprav d.o.0., Cesta Otona Zupancica 23a, 1410 Zagorje
`(SD.
`
`(21) International Application Number:
`
`=PCT/IB00/01495
`
`(22) International Filing Date: 18 October 2000 (18.10.2000)
`
`(25) Filing Language:
`
`(26) Publication Language:
`
`English
`
`English
`
`(71) Applicant (for all designated States except US): ULTRA
`PROIZVODNJA ELEKTRONSKIH NAPRAV D.O.O.
`[SY/SI]; Cesta Otona Zupancica 23a, 1410 Zagorje (SD.
`
`(72) Inventors; and
`(75) Inventors/Applicants (for US only): PAVLIC, Bogdan
`[SYS]; Ultra Proizvodnja elektronskih naprav d.o.o.,
`Cesta Otona Zupancica 23a, 1410 Zagorje (SD. POLUT-
`NIK, Aleksander [SI/SI]; Ultra Proizvodnja Elektronskih
`
`(81) Designated States (national): AE, AG, AL, AM, AT, AU,
`AZ, BA, BB, BG, BR, BY, BZ, CA, CH, CN, CR, CU, CZ,
`DE, DK, DM, DZ, FR, ES, FI, GB, GD, GE, GH, GM, HR,
`HU,ID,IL, IN, IS, JP, KE, KG, KP, KR, KZ, LC, LK, LR,
`LS, LT, LU, LV, MA, MD, MG, MK, MN, MW, MX, MZ,
`NO, NZ, PL, PT, RO, RU, SD, SE, SG, SI, SK, SL, TJ, T™,
`TR, TT, TZ, UA, UG, US, UZ, VN, YU, ZA, ZW.
`
`(84) Designated States (regional): ARIPO patent (GH, GM,
`KE, LS, MW, MZ, SD, SL, SZ, TZ, UG, ZW), Eurasian
`patent (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM), European
`patent (AT, BE, CH, CY, DE, DK, ES, FI, FR, GB, GR,IE,
`IT, LU, MC, NL, PT, SE), OAPI patent (BF, BJ, CF, CG,
`CI, CM, GA, GN, GW, ML, MR, NE, SN, TD, TG).
`
`Published:
`
`with international search report
`
`[Continued on next page]
`
`(54) Title: SYSTEM FOR PAYMENT DATA EXCHANGE AND PAYMENT TERMINAL DEVICE USED THEREIN
`
`(57) Abstract: Disclosed is a system for payment
`data exchange comprising a payment terminal de-
`vice 10 for coupling to a point of sale device and
`o a mobile phone 14, an authorisation centre | for
`coupling to a mobile voice network (5) and to a fi-
`nancial information system, the mobile phone (14)
`or coupling to the mobile voice network (5) and
`o the payment terminal device (10). The payment
`data exchange is performed from the paymentter-
`minal device (10) via the mobile phone (14) and
`he mobile voice network (5) to the authorisation
`centre (1) and, vice versa, from the authorisation
`centre via the mobile voice network and the mobile
`
`phone to the payment terminal device, wherein the
`payment data are transferred between the payment
`erminal device (10) and the mobile phone (14) on
`voice information.
`
`
`
`MOBILE
`
`VOICE
`NETWORK
`
`
`
`
`PAYMENT TERMINAL
`
`
`
`Mechan! sm
`
`Subscribers
`Database
`
`Processing
`Unit
`t
`Cryptography
`
`Release
`
`WO02/33669Al
`
`

`

`WoO02/33669 Ad
`
`—_MMIMINITIINIUTITANIANAIU AMAIAA
`
`For two-letter codes and other abbreviations, refer to the "Guid-
`ance Notes on Codes andAbbreviations" appearing at the begin-
`ning ofeach regular issue ofthe PCT Gazette.
`
`

`

`WO 02/33669
`
`PCT/IB00/01495
`
`SYSTEM FOR PAYMENT DATA EXCHANGE AND PAYMENT TERMINAL DEVICE
`
`USED THEREIN
`
`The present invention relates to a system for financial
`transaction data (authentication, authorisation and payment
`data) exchange between a point of sale device, e.g. vending
`‘machine etc. and an authorisation centre (an entity
`responsible for authentication, authorisation and
`
`corresponding payment and settlement procedures of the
`transaction), and to a payment terminal device to be used in
`this system.
`
`the world and provides
`Mobile telephony is booming throughout
`many recently developed applications in data communication.
`One of the hottest new services is payment
`through mobile
`phone which is generally called "m-commerce". There are
`available m-commerce solutions, most of them are based on WAP
`(Wireless Application Protocol)
`technology which promises to
`bring all the benefits of internet to a mobile phone. Other
`solutions use calls to a special payment terminal,
`those calls
`being activated either from an authorisation centre or a
`subscriber or user. But there are severe obstacles preventing
`faster acceptance of m-commerce, especially in a non-internet
`domain, which are the costs of the known payment terminals
`with regard to their acquisition as well.as operating costs.
`Inter alia,
`this is due to the fact that each payment terminal
`has to include a fairly sophisticated communication interface
`which has to cover all the different, possible new and
`currently established standards of data communication in
`mobile telephone networks and phones.
`
`Therefore it is an object of the invention to provide a system
`and a payment
`terminal
`to be used in this system which is able
`to prevent
`the problems and costs arising from the different
`
`

`

`WO 02/33669
`
`PCT/IB00/01495
`
`mobile phone standards with regard to coupling a mobile phone
`
`to a payment terminal device.
`
`This object is solved by the system of claim 1 and by the
`
`payment
`
`terminal device of claim 8.
`
`Accordingly,
`
`the system of the invention for payment data
`
`exchange or communication has a payment
`terminal device for
`coupling to a point of sale device and to a mobile phone, an
`authorisation centre for coupling to a mobile voice network
`
`and to a financial information system, a mobile phone for
`coupling to the mobile voice network and to the payment
`
`terminal device, wherein payment data exchange is performed
`
`from the payment terminal device via the mobile phone, and the
`mobile voice network to the authorisation centre and, vice
`
`versa,
`
`from the authorisation centre via the mobile voice
`
`network and the mobile phone to the payment terminal device,
`wherein the payment data are transferred between the payment
`terminal device and the mobile phone using voice data
`
`information.
`
`The great advantage of the present invention is the transfer
`
`of payment data between the mobile phone and the payment
`terminal device using voice data information which is the only
`
`standard to be take into account by all phone makers and
`which,
`therefore, helps to reduce strongly the complexity of
`the communication interface in the payment terminal device and
`the costs connected thereto. Voice data information or voice
`
`information is the specific form of useful or wanted
`
`information which is known to be transferred and exchanged in
`the voice channel of the mobile voice network.
`
`The payment terminal device of the invention for coupling to a
`point of sale device, vending machine etc. and to a mobile
`
`phone comprises interface means for releasable coupling the
`payment
`terminal device to the mobile phone.
`
`2
`
`

`

`WO 02/33669
`
`PCT/IB00/01495
`
`The telephone connection is established by the user from the
`
`phone of the user, so the costs of the payment procedure or
`
`the telephone call are directed to the account of the user.
`
`Depending on the agreed relationship between the user, owner
`
`of the payment
`
`terminal device and the owner of the point of
`
`sale device, vending machine etc.
`
`the cost can be directed
`
`also to the account of another participating party.
`
`In any
`
`case the additional costs for establishing a telephone
`
`connection on the side of the operator are avoided.
`
`The interface means of the payment terminal device comprises
`
`preferably coupling means for coupling to the mobile phone and
`
`a modem being coupled to the coupling means and to the
`
`processing means for converting voice data received from the
`
`authorisation centre by the mobile phone via the coupling
`
`means into data being sent to the processing means, and for
`
`converting data from the processing means into voice data
`
`prepared for coupling to the mobile phone via the coupling
`
`means. The data, encrypted or not, are thus transmitted
`
`through the mobile phone voice channel. The data modulation
`
`can either be DTMF or any other data modulation which can be
`
`transmitted through such a voice channel.
`
`the coupling means has an acoustic coupler for
`Preferably,
`transferring voice data information in the form of acoustic
`Signals to the mobile phone and vice versa, i.e.
`the voice
`
`data information is transferred as voice itself or voice as a
`
`carrier of information in the frequency band of human voice.
`
`Further, a distance between a microphone and a speaker of the
`
`acoustic coupler may be adjustable in order to adapt the
`
`acoustic coupler to different types of mobile phones. The
`
`acoustic coupler allows coupling of the payment terminal
`
`device to any type of mobile telephone which is Currently used
`
`and which might be used in the future without any adaptation
`
`3
`
`

`

`WO 02/33669
`
`PCT/IB00/01495
`
`of the different mobile phones themselves. Generally,
`
`the
`
`shape of the acoustic coupler should enable the mobile phone
`
`microphone to fit with the speaker and vice versa in a way
`
`that allows operability even in a noisy condition or
`
`environment.
`
`In preferred embodiments of the invention,
`
`there are several
`
`additional options for coupling of the payment
`
`terminal
`
`to the
`
`mobile phone.
`
`In the first option being called the wired option,
`
`the
`
`coupling means has electrical plug connector means for
`
`électrical coupling to a plug connector of the mobile phone in
`
`order to exchange information or voice data information in the
`
`form of electrical signals between the mobile phone and the
`
`coupling means. The plug connector means can have a plurality
`
`
`
`
`
`of different plug connectors for coupling to plug connectors
`
`of different types of correspondingly different types of
`
`mobile phones.
`
`The second option is IR communication (IR = infrared radiation
`
`or light) wherein the coupling means or interface means of the
`
`payment
`
`terminal comprises an IR interface for communication
`
`with a corresponding IR interface of the mobile phone in order
`to exchange information or voice data information in the form
`of infrared signals between the payment
`terminal and the
`mobile phone. This is applicable on all newest mobile phone
`
`models which have, for instance, an IrDA interface. This
`
`option enables higher data rates and shorter transaction time.
`
`The third option is RF communication (RF = radio frequency)
`
`wherein the coupling means or interface means of the payment
`
`terminal comprises a RF interface for communication with a
`
`corresponding RF interface of the mobile phone in order to
`
`exchange information or voice data information in the form of
`
`4
`
`

`

`WO 02/33669
`
`PCT/IB00/01495
`
`RF signals between the payment terminal and the mobile phone.
`
`BlueTooth, for instance,
`
`is a standard in this area, however
`
`other RF communication protocols are possible. The RF
`
`communication interface enables non contact transaction for
`
`highest user comfort.
`
`In a preferred embodiment,
`
`the payment terminal device has
`
`data processing means which comprises at least a communication
`
`processor having cryptographic capability in order to generate
`
`data or to establish a data communication with high security
`
`due to secure coding of the data. The cryptographic capability
`
`may be of different types, such as DES, RSA, etc.
`
`The payment terminal device of the invention can comprise data
`
`input means, such as at least one keyboard. The keyboard
`
`allows the user to select predefined services or to specify
`
`the amount for POS terminals.
`
`The payment
`
`terminal device can comprise a printer or built-in
`
`printer in order,
`
`for instance,
`
`to print a confirmation of the
`
`actual payment procedure if the users want any.
`
`The payment terminal device can have a display for showing the
`
`user, for instance,
`
`the different steps of the payment
`
`procedure or for giving him instructions on how to operate the
`payment terminal device.
`
`Further,
`
`the payment terminal device can comprise additional
`
`communication means, for instance a PSTN modem, an ISDN modem,
`
`cable modem or a GSM modem for coupling to the related
`
`networks in order to provide maintenance services etc.
`
`The payment
`
`terminal device can be equipped with an additional
`
`connection to another computer system, such as a POS computer
`
`system or a BOS computer system.
`
`5
`
`

`

`WO 02/33669
`
`PCT/IB00/01495
`
`There are a lot of applications which can be realised by means
`of the system or of the payment terminal device of the
`invention. The invention can be used,
`for instance,
`in vending
`
`machines for various products, such as beverages,
`food,
`cigarettes, magazines, condoms, etc. Further, public self-
`service stations as POS stations, such as gas stations,
`photocopiers,
`Internet access, car washes,
`laundries,
`
`jukeboxes, carpools, etc., can use the payment terminal device
`of the invention. Also, various ticket purchasing stations for
`bus,
`train, cinema etc. can use the invention. Payment
`authorisation and execution for various shops (EFTPOS),
`
`Internet shopping, TV sales and other business, which use
`
`conventional billing methods for purchases, such as credit
`
`cards, bank cheques, cash, etc, can use the system or the
`
`payment terminal device of the invention.
`
`Further advantageous embodiments of the invention are
`
`mentioned in the dependent claims.
`
`Further advantages, advantageous embodiments and additional
`
`applications of the invention are provided in the following
`description of a preferred embodiment of the invention in
`
`connection with the only figure being enclosed which shows:
`
`Fig.
`
`1 a schematic view of a system using a payment terminal
`
`device in accordance to a preferred embodiment of the
`
`invention.
`
`1 shows an embodiment of the inventive system that
`Fig.
`comprises an authorisation centre 1 that is similar to those
`
`used for credit card authorisation and that may be connected
`
`by means of the data communication connection 6
`
`to an other
`
`financial
`
`information system, such as a bank, a mobile voice
`
`network 5 or mobile telephone network, such as the GSM
`
`6
`
`

`

`WO 02/33669
`
`PCT/IB00/01495
`
`network, a mobile telephone 14 and a and a payment terminal
`
`device 10 to be coupled to the mobile telephone 14 of a user
`
`and to be connected via a data communication connection 13 to
`
`a point of sale station or means.
`
`The authorisation centre 1 comprises communication interface 4
`
`for coupling the authorisation centre 1 to the mobile voice
`
`network 5, a subscribers database 2 that stores data relating
`
`to each of the users, e.g. at least the telephone number, a
`
`corresponding PIN code and the agreed method of payment, e.g.
`
`from credit card,
`
`from bank account etc., assigned to each of
`
`the users, and optionally a comprehensive CRM,
`
`i.e.
`
`the
`
`complete information on customer's purchases and thus the
`
`possibility of personalised services, advertising, etc., and
`
`again optionally the user's secret code, and a transaction
`
`interface 3 that is connected by means of the data
`
`communication connection 6
`
`to an other financial information
`
`system. The transaction interface 3 is connected to the
`
`communication interface 4 by means of a bi-directional data
`
`connection 21. Further,
`
`the subscribers database 2 is
`
`connected to the transaction interface 3 and to the
`
`communication interface 4 by means of a data communication
`
`line 22.
`
`terminal device 10 comprises data processing means
`The payment
`11,
`interface means 19 being connected to the data processing
`
`means 11 by means of a bi-directional data communication line
`
`23 or bus, e.g. a serial or a parallel data connection, and
`
`being coupled to the mobile telephone 14 using voice as a
`
`carrier of information 24. The data processing means is based
`
`on a microcomputer system or a communication processor and is
`
`additionally connected to POS means or a request/release
`
`mechanism or unit of a POS means or vending machine or similar
`
`apparatus by means of the data communication line or signal
`
`line 13.
`
`

`

`WO 02/33669
`
`PCT/IB00/01495
`
`The interface means 19 of the payment
`
`terminal device 10
`
`comprises a modem 12 and coupling means 20 for coupling the
`modem 12 to the mobile phone 14. The coupling means 20 may use
`an acoustic coupling or an acoustic coupler using the loud
`
`speaker 18 and the microphone 17 in order to transfer or
`
`couple information using a voice as a carrier to a microphone
`16 and a loudspeaker 15, respectively, of the mobile telephone
`14 that is attached or mounted to the acoustic coupler of the
`coupling means 20.
`
`To be able to use the system of the invention the user has to
`
`Own a mobile telephone 14 and the user has to set up a special
`
`account that belongs only to him in the authorisation centre
`
`1. The account set up is basically an agreement between the
`
`user and the authorisation centre 1, wherein both parties
`define the parameters of their co-operation. The parameters
`comprise one or more mobile phone numbers, e.g. SIM card
`
`numbers,
`
`the method of payment, e.g. money transfer, credit
`
`card, etc., optionally additional services which increase the
`
`security of both parties, e.g.
`transaction limits,
`security/authentication codes, etc., and optionally additional
`services which increase the flexibility of the user, e.g.
`multiple accounts, etc. The user could change the parameters
`of the agreement which are stored in the ‘subscribers database
`2 of the authorisation centre 1 through user support services
`of the authorisation centre 1,
`through Internet services, WAP
`and similar services. The authorisation centre can on request
`of the user or within the framework of its business policy
`assign to each user special identification code which is used
`
`not
`to reveal
`the mobile telephone number of the user to other
`involved parties and to grant
`the protection of the privacy of
`the user when participating in the system of invention.
`
`

`

`WO 02/33669
`
`PCT/IB00/01495
`
`Next, a typical payment procedure is described if the
`
`inventive system of Fig.
`
`1 is used.
`
`In a first step,
`
`the user decides to make a purchase at a
`
`cashier or device using the payment terminal device 10. The
`
`user uses his mobile phone 14 to call the authorisation centre
`
`1 via the mobile voice network 5.
`
`In a second step the authorisation centre 1 uses the caller
`
`identity to establish and decide whether the caller is a
`
`registered user of the system. If the verification is not
`
`successful
`
`the authorisation centre 1 terminates the
`
`connection to the user or mobile phone calling.
`
`After the successful verification described in previous
`
`paragraph,
`
`the user is asked to input his
`
`security/authentication code, if the account parameters in the
`subscribers data base 2 require authentication of the user.
`
`The user inputs the code by means of a keypad of the mobile
`
`telephone 14.
`
`In the next step,
`
`the authorisation centre 1
`
`checks and compares the security/authentication code received
`
`from the mobile telephone 14 via the mobile voice network 5 to
`
`a security/authentication code stored in the subscribers data
`
`base 2. If the authentication is not successful (i.e.
`
`the
`
`entered code does not correspond to thecode in the database)
`the authorisation centre 1 terminates the connection. If the
`
`authentication is successful the authorisation centre 1
`
`instructs the user to put his mobile telephone onto the
`acoustic coupler of the coupling means 20 of the payment
`terminal device 10. The payment terminal device shows the user
`
`information, for instance, ona display, on how to put the
`mobile telephone onto the acoustic coupler.
`
`the payment terminal device 10 and the
`In the next step,
`authorisation centre 1 exchange the required transaction data
`
`9
`
`

`

`WO 02/33669
`
`PCT/IB00/01495
`
`or payment data via the voice channel established by the
`mobile telephone 14. The transaction data can be coded by
`
`means of cryptographic capability implemented in the
`
`processing means 11 on the side of the payment
`
`terminal device
`
`10 and in the communications interface 4
`
`in the authorisation
`
`centre 1. The processing means 11 controls the transaction
`
`data exchange on the side of the payment
`
`terminal device 10.
`
`In the next step,
`
`the authorisation centre 1 verifies if the
`
`transaction data correspond to the specifications on the
`
`(transaction limits...) and approves or rejects
`user’s account
`the transaction. If the transaction was approved by the
`authorisation centre 1,
`the payment terminal device 10 sends a
`signal or data generated by the processing means 11 via the
`
`connection 13 to the release mechanism or POS terminal,
`
`vending machine, etc.
`in order to release the paid goods or to
`approve a service being provided by these units or to display
`a visual approval if the sale is performed by a salesperson.
`
`10
`
`

`

`WO 02/33669
`
`Claims:
`
`PCT/IB00/01495
`
`1. System for payment data exchange comprising
`
`for coupling to a point of sale
`a payment terminal device (10)
`device and to a mobile phone (14),
`an authorisation centre (1) for coupling to a mobile voice
`network (5) and to a financial information system,
`the mobile phone (14)
`for coupling to the mobile voice network
`(S) and to the payment terminal device (10),
`wherein payment data exchange is performed from the payment
`terminal device (10) via the mobile phone (14) and the mobile
`voice network (5)
`to the authorisation centre (1) and, vice
`
`versa,
`
`from the authorisation centre via the mobile voice
`
`network and the mobile phone to the payment terminal device,
`wherein the payment data are transferred between the payment
`terminal device (10) and the mobile phone (14) on voice
`information.
`
`2. System of claim 1, wherein the payment data exchange is
`initiated if the authorisation centre (1)
`receives a
`predefined caller identification of the user calling the
`authorisation centre via the user's mobile phone.
`
`3. System of claim 1 or claim 2, wherein the payment data
`exchange is proceeded if the authorisation centre (1) receives
`a predefined security/authentication code of the user calling
`the authorisation centre via the user's mobile phone (14).
`
`4. System of one of the claims 1 to 3, wherein the
`authorisation centre (1) sends information to the mobile phone
`which asks the user to couple the mobile phone to the payment
`terminal device (10).
`
`5. System of one of the claims 1 to 4, wherein the payment
`data exchange comprises transaction information.
`
`11
`
`

`

`WO 02/33669
`
`PCT/IB00/01495
`
`6. System of claims 5, wherein the payment data exchange
`
`comprises data approving or rejecting a transaction.
`
`7. System of one of the claims 1 to 6, wherein the payment
`
`data are coded for security of the payment data exchange.
`
`8. Payment terminal device (10)
`
`for coupling to a point of
`
`sale device and to a mobile phone (14), wherein the payment
`
`terminal device (10) comprises interface means
`
`(19)
`
`for
`
`releasable coupling the payment terminal device (10)
`
`to the
`
`mobile phone (14)
`
`to transfer voice information.
`
`9. Payment terminal device of claim 8, wherein the payment
`
`terminal device (10) comprises data processing means
`
`(11)
`
`being coupled to the interface means
`
`(19) and for processing
`
`data received from the interface means
`
`(19) and for generating
`
`and preparing data to be sent to the interface means
`
`(19).
`
`10. Payment terminal device of claim 9, wherein the interface
`
`means
`
`(19) of the payment terminal device (10) comprises
`
`coupling means
`
`(20)
`
`for coupling to the mobile phone (14) and
`
`a modem (12) being coupled to the coupling means
`
`(20) and to
`
`the processing means
`
`(11)
`
`for converting the voice information
`
`received from the mobile phone via the cotpling means into
`converted data being sent
`to the processing means, and for
`converting data from the processing means into voice
`
`information data prepared for coupling to the mobile phone via
`
`the coupling means.
`
`11. Payment terminal device of claim 10, wherein the coupling
`
`means
`
`(20) has an acoustic coupler for transferring voice
`
`information data in the form of acoustical signals using voice
`
`as a carrier to the mobile phone (14) and vice versa.
`
`12
`
`

`

`WO 02/33669
`
`PCT/IB00/01495
`
`12. Payment terminal device of claim 11, wherein the acoustic
`
`coupler has a microphone (17) for coupling to a speaker (15)
`
`of the mobile phone (14) and a speaker
`
`(18)
`
`for coupling to a
`
`microphone (16) of the mobile phone (14).
`
`13. Payment terminal device of claim 12, wherein a distance
`
`between the microphone and the speaker of the acoustic coupler
`is adjustable in order to adapt the acoustic coupler to
`different types of mobile phones.
`
`14. Payment terminal device of claim 10, wherein the coupling
`
`means has plug connector means for coupling to a plug
`Connector of the mobile phone in order to exchange voice
`information in the form of electrical signals between the
`
`mobile phone and the coupling means, or
`
`wherein the coupling means has an IR interface for coupling to
`a corresponding IR interface of the mobile phone in order to
`
`exchange voice information in the form of infrared signals
`
`between the coupling means and the mobile phone, or
`
`wherein the coupling means has a RF interface for coupling to
`
`a corresponding RF interface of the mobile phone in order to
`
`exchange voice information in the form of a radio frequency
`signals between the coupling means and the mobile telephone.
`
`15. Payment terminal device of claim 14,. Wherein the plug
`
`connector means has a plurality of different plug connectors
`for coupling to plug connectors of different types of
`
`correspondingly different types of mobile phones.
`
`16. Payment terminal device of one of the claims 8
`
`to 15,
`
`wherein the data processing means
`(11) comprises at least a
`communication processor having cryptographic capability.
`
`13
`
`

`

`WO 02/33669
`
`.
`
`PCT/IB00/01495
`
`17. Payment
`
`terminal device of one of the claims 8 to 16,
`
`wherein the
`
`payment
`
`terminal device (10) comprises data input
`
`means.
`
`18. Payment
`
`terminal device of claim 17, wherein the data
`
`input means
`
`comprises at least one keyboard.
`
`19. Payment
`
`terminal device of one of the claims 8 to 18,
`
`wherein the
`
`payment
`
`terminal device comprises a printer.
`
`20. Payment
`
`terminal device of one of the claims 8 to 19,
`
`wherein the
`
`payment
`
`terminal device comprises a display.
`
`21. Payment
`
`terminal device of one of the claims 8 to 20,
`
`wherein the
`
`payment
`
`terminal device (10)
`
`is used in a system
`
`of one of the claims 1 to 7.
`
`14
`
`

`

`WO 02/33669
`
`PCT/IB00/01495
`
`1/1
`
`Subscribers
`Database
`
`
`
`
`MOBILE
`VOICE
`
`
`
`NETWORK
`
`
`
`PAYMENT TERMINAL
`
`
`
`
`
`/ Request/
`Release
`Mechanism
`
`Processing
`Unit
`We
`-
`Cryptography
`
`SUBSTITUTE SHEET (RULE 26)
`
`

`

`INTERNATIONAL SEARCH REPORT
`
`A. CLASSIFICATION OF SUBJECT MATTER
`GO7F7/10
`HO4M1/215
`IPC 7
`
`According lo Internalional Patent Glaysilication (PG) orto both national classifigation and IPG
`B. FIELDS SEARCHED
`Mintinuin cocumentalion searched (classifisatiot: sysieni lolowed by classtlicahon symbols)
`IPC 7
`GO7F
`HO4M
`
`Int
`
`onal Application No
`
`PCT/IB 00/01495
`
`Documentation searched other than minimum documentationto the extent Fat such documents are Included in the helds searched
`
`Electronic dala base consulled during the international search(name of data base and, where practical, search terms used)
`
`WPI Data, PAJ, EPO-Internal
`
`C. DOCUMENTS CONSIDERED TO BE RELEVANT
`Gltation of document, with indication. where appropriate,of the relevan! passages
`
`Category °
`
`C Relevant to claim No
`
` er documents arelisled in the continuation of box CG
`
`US 5 577 100 A (MCGREGOR ET AL.)
`19 November 1996 (1996-11-19)
`column 2,
`jine 8 -column 3,
`line 20
`ne 60;
`column 3,
`line 31 -column 18,
`11
`figures 1,2
`
`US 5 157 717 A (HITCHCOCK)
`20 October 1992 (1992-10-20)
`column 2,
`line 26 -column 3,
`column 4,
`line 33 -column 9,
`figures 1-28
`
`lin
`lin
`
`e 68
`e 61;
`
`US 5 714 741 A (PIETERSE ET AL.)
`3 February 1998 (1998-02-03)
`column 2,
`line 37 -column 3,
`column 4,
`line 3 -column 10,
`figures 1-7
`
`lin
`lin
`
`e 51
`e lz;
`
`-/--
`
`1-10,
`16-21
`11-15
`
`
`
`[X] Furt
`® Special categonesof cited documents .
`
`"a" document defining the general state of the art which fs not
`considered to be of particular relevance
`‘E* earlier document but published on or atter the international
`filing date
`*L' document which may throw doubts on prionty claim{s) or
`whichts cited to establish the publication date ol another
`cilation or other special reason (as specified)
`*O" documentrefernng to an oral disclosure, use, exhibition or
`other means
`*P* document published prior to the international filing date but
`later than the priority date claimed
`Date of ihe actual compleiion of the international search
`
`14 June 2001
`
`Name and mailing address of the ISA
`Ettrapean Patent Office. P.B 5818 Palentlaan 2
`Nt ~ 2280 HV Fliswijk
`Tel (431-70) 340-2040, Tx 31 651 epo nl,
`Fax: (131-70) 340-3016
`
`FormPaTiSaA/210 (second sheel) (July 1992}
`
`Patent family members arélistec In annex.
`
`"T'
`
`later documentpublishedatter the Intemational filing date
`or pnority date and not in conflict with the application bul
`ciled lo understandthe principle or treory underlying the
`Invention
`*x’ documentof particular relevance, the slaimed invention
`cannot be considered novel or cannot be considered to
`Involve an inventive step when the document ts taken alone
`*y* document of particular relevance; the slaimed invention
`cannot be considered to involve an Inventive step wnen the
`document Is combined with one or more other such docu-
`menis, such combination being obviols to a person skilled
`in the art.
`*&* document memberof the same palent family
`Date of mailing of the tnternalional search report
`
`22/06/2001
`Authorized olficer
`
`Rivero,
`
`

`

`INTERNATIONAL SEARCH REPORT
`
`In
`al Application No
`PCT/IB 00/01495
`
`C.{Continuation) DOCUMENTS CONSIDERED TO BE RELEVANT
`Galegory”|Citation of document, with Indication, where appropriate, of the relevant passages Relevant to claim No
`
`
`
`
`
`EP 0 848 360 A (BRITISH TELECOMMUNICATIONS
`PUBLIC LIMITED COMPANY )
`17 June 1998 (1998-06-17)
`line 29
`column 1,
`line 34 -column 3,
`column 3,
`line 40 -column 6, Tine 51;
`figures 1-4
`
`figures 1-8
`
`WO 94 11849 A (VATANEN)
`26 May 1994 (1994-05-26)
`page 2,
`line 11 — line 18
`page 3,
`line 10 -page 5,
`page 5,
`line 21 —page 11,
`1-3
`
`line 5
`line 22: figures
`
`1-10,
`16-21
`11-15
`
`EP 0 745 961 A CAT&T IPM CORP.)
`4 December 1996 (1996-12-04)
`column 8,
`line 7 -column 19, Tine 58;
`figures 1-14
`
`WO 93 16550 A (BELL ATLANTIC NETWORK
`SERVICES,
`INC.)
`19 August 1993 (1993-08-19)
`page 10,
`line 6 -page 12,
`line 2
`page 13,
`line 2 -page 24,
`line 6; figures
`1-6
`
`EP 0 940 783 A (KEYCORP LIMITED)
`8 September 1999 (1999-09-08)
`column 4,
`line 4 -column 7,
`line 31;
`
`
`
`Form POTASAI21t {eontinuation of second sheet) {July 1992)
`
`

`

` —
`In
`val Application No
`INTERNATIONAL SEARCH REPORT
`PCT/IB 00/01495
`
`Patent document
`Publication
`Patent family
`Publicatior
`cited in search report
`date
`member(s)
`date
`
`
`US 5577100
`
`A
`
`19-11-1996
`
`US 5157717
`
`US 5714741
`
`A
`
`A
`
`20-10-1992
`
`03-02-1998
`
`WO 9411849
`
`A
`
`26-05-1994
`
`199620 T
`AT
`695509 B
`AU
`4901096 A
`AU
`9606875 A
`BR
`2211892 A
`CA
`1176039 A
`CN
`69611989 D
`DE
`1067752 A
`EP
`0808547 A
`EP
`2155598 T
`ES
`10513618 T
`JP
`9624229 A
`WO
`US 2001000777 A
`US
`6198915 B
`
`us
`AU
`WO
`
`NL
`NL
`AU
`AU
`CA
`CN
`Wo
`EP
`NO
`NZ
`
`FI
`FI
`AT
`DE
`EP
`ES
`GR
`NO
`RU
`US
`
`5050207 A
`5187590 A
`9107042 A
`
`1000254 ¢
`1002112 ¢
`712699 B
`5761796 A
`2219198 A
`1183193 A
`9634483 A
`0823174 A
`974960 A
`308081 A
`
`925135 A
`934995 A
`159602 T
`69314804 D
`0669031 A
`2107689 T
`3025393 T
`951814 A
`2116008 C
`6169890 B
`
`
`
`
`
`15-03-2001
`13-08-1998
`21-08-1996
`23-12-1997
`08-08-1996
`11-03-1998
`12-04-2001
`10-01-2001
`26-11-1997
`16-05-2001
`22-12-1998
`08-08-1996
`03-05-2001
`06-03-2001
`
`17-09-1991
`31-05-1991
`16-05-1991
`
`29-10-1996
`18-07-1997
`11-11-1999
`18-11-1996
`31-10-1996
`27-05-1998
`31-10-1996
`11-02-1998
`17-12-1997
`28-01-1999
`
`12-05-1994
`12-05-1994
`15-11-1997
`27-11-1997
`30-08-1995
`01-12-1997
`27-02-1998
`09-05-1995
`20-07-1998
`02-01-2001
`
`13-01-1998
`01-12-1996
`24-12-1996
`
`03-09-1993
`
`23-09-1999
`20-04-2000
`01-03-2000
`28-01-2000
`
`EP 848360
`
`EP 745961
`
`WO 9316550
`
`EP 940783
`
`A
`
`A
`
`A
`
`A
`
`17-06-1998
`NONE
`
`
`04-12-1996
`
`5708422 A
`US
`CA
`2176163 A,C
`uP
`8339407 A
`
`
`19-08-1993
`
`AU
`
`3601593 A
`
`08-09-1999
`
`1130099 A
`AU
`940783 T
`DE
`2140365 T
`ES
`JP 2000030146 A
`
`
`Form POTSAl210 toatent family annex} (July 1992)
`
`