IPC분류정보
| 국가/구분 |
United States(US) Patent
등록
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| 국제특허분류(IPC7판) |
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| 출원번호 |
US-0891440
(1997-07-10)
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발명자
/ 주소 |
- Hughes Thomas S.
- Molina Gustavo
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| 대리인 / 주소 |
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| 인용정보 |
피인용 횟수 :
236 인용 특허 :
0 |
초록
▼
A terminal is provided for allowing a user to conduct remote purchase payment and remote bill payment transactions with a remote host computer. In one embodiment, the terminal includes a QWERTY alphabetic keyboard (14), a numeric keypad (16), a magnetic card reader (54), a display (12), a printer (5
A terminal is provided for allowing a user to conduct remote purchase payment and remote bill payment transactions with a remote host computer. In one embodiment, the terminal includes a QWERTY alphabetic keyboard (14), a numeric keypad (16), a magnetic card reader (54), a display (12), a printer (52), a modem (338), an earphone 402, a microphone 404, and a cellular phone 408 all integral to the terminal. A controller is included for operating the terminal and communicating with the remote host computer system via the modem, the controller coupled to the QWERTY alphabetic keyboard (14), the numeric keyboard (16), the magnetic card reader (54), the display (12), the printer (52), and the modem (338). A memory (332) is coupled to the controller for storing a transaction log of purchase payment transactions, each purchase payment transaction in the transaction log comprising a date and a time of purchase payment transaction, an amount of the purchase payment transaction, information identifying a merchant, information identifying an item or service purchased, and data for identifying the transaction.
대표청구항
▼
[ What is claimed is:] [1.] A portable terminal for allowing a user to conduct purchase and bill payment transactions with a remote host computer, the terminal comprising:a QWERTY alphabetic keyboard for entering alphabetic information integral to the terminal;a numeric keypad for entering numeric i
[ What is claimed is:] [1.] A portable terminal for allowing a user to conduct purchase and bill payment transactions with a remote host computer, the terminal comprising:a QWERTY alphabetic keyboard for entering alphabetic information integral to the terminal;a numeric keypad for entering numeric information integral to the terminal;a display integral to the terminal;a cellular phone integral to the terminal for communication with the remote host;an earphone for receiving voice integral to the terminal and coupled to the cellular phone;a microphone for transmitting voice integral to the terminal and coupled to the cellular phone;a modem integral to the terminal coupled to the cellular phone for providing for data communication to the remote host computer via the cellular phone;a slot for inserting cards integral to the terminal;a credit/debit/smart card reader integral to the terminal and adjacent to the slot for reading information from credit, debit and smart cards inserted in the slot and for writing a new balance to a smart card inserted in the slot, wherein the information includes a user identifier and an issuer identifier for credit, debit and smart cards and in addition includes a balance for a smart card;means for encrypting; andcontrol means integral to the terminal for operating the terminal, the control means coupled to the QWERTY alphabetic keyboard, the numeric keyboard, the display, the modem, the credit/debit/smart card reader, and the means for encrypting;wherein the modem and the cellular phone communicate with the remote host computer to transfer the information and an entered encrypted personal identification number (PIN) to the remote host computer and also transfers data for a transaction, including a payee identifier, an amount of payment, and if the transaction is a purchase transaction, an item identifier, and if the transaction is a bill payment transaction, a bill identifier, and the remote host computer causes a debit to a credit card account, if the user uses a credit card account, a fund transfer from a debit card account, if the user uses a debit card account, and a new balance to be written on a smart card, if the user uses a smart card.
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