Cellular telephone as an authenticated transaction controller

Details Cellular telephone as an authenticated transaction controller Cellular telephone as an authenticated transaction controller

G - Physics

06

Q

G06Q 20/00 (2006.01) G07F 7/02 (2006.01) G07F 7/08 (2006.01) H04M 11/00 (2006.01) H04M 15/00 (2006.01) H04M 17/02 (2006.01) H04N 7/16 (2006.01) H04Q 7/20 (2006.01) G06F 17/60 (1995.01) H04Q 7/38 (2006.01) H04Q 7/32 (2006.01)

Patent

CA 2156206

An arrangement to provide credit to customers via cellular telephones. In one embodiment, a customer seeking credit for the purchase of goods and services from a merchant activates his or her cellular telephone, authenticates the cellular telephone with his cellular service provider's base station, and proceeds to establish a connection to obtain credit. Credit is obtained by sending unique sequence to the cellular service provider that is different from the normal sequence of numbers that correspond to a telephone number of the called party. That sequence may include a merchant ID code and the amount of credit desired.

Dispositif permettant à des clients d'obtenir du crédit en utilisant leur téléphone cellulaire. Dans une application, un client souhaitant obtenir du crédit auprès d'un commerçant pour l'achat de biens et services met son téléphone cellulaire en marche, le fait authentifier par la station de base de son fournisseur de services de radiotéléphonie cellulaire et établit la communication. L'abonné transmet sa demande de crédit en utilisant une séquence unique de chiffres transmise à son fournisseur de services de radiotéléphonie cellulaire, cette séquence étant différente de la séquence de numéros habituelle qui correspond au numéro de téléphone de l'appelé. Cette séquence peut comprendre un code identifiant le commerçant, ainsi que le montant du crédit demandé.

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