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2. US20130066732 - Method and system for implementing mobile transaction solution based on early media dynamic content generation

Office United States of America
Application Number 13229753
Application Date 11.09.2011
Publication Number 20130066732
Publication Date 14.03.2013
Grant Number 08886558
Grant Date 11.11.2014
Publication Kind B2
IPC
H04L 12/66
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
12Data switching networks
66Arrangements for connecting between networks having differing types of switching systems, e.g. gateways
G06Q 20/00
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
G06Q 20/20
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale network systems
G06Q 20/32
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
CPC
G06Q 20/206
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale [POS] network systems
206comprising security or user identification provision, e.g. password entry
G06Q 20/3223
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
322Aspects of commerce using mobile devices [M-devices]
3223Realising banking transactions through M-devices
G06Q 20/3272
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
327Short range or proximity payments by means of M-devices
3272using an audio code
H04M 2203/105
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
MTELEPHONIC COMMUNICATION
2203Aspects of automatic or semi-automatic exchanges
10related to the purpose or context of the telephonic communication
105Financial transactions and auctions, e.g. bidding
H04M 2203/353
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
MTELEPHONIC COMMUNICATION
2203Aspects of automatic or semi-automatic exchanges
35related to information services provided via a voice call
353where the information comprises non-audio but is provided over voice channels
Applicants Alyamour Dani
Chowdhury Amor
Terpin Matja{hacek over (z)}
Kotnik Bojan
Inventors Alyamour Dani
Chowdhury Amor
Terpin Matja{hacek over (z)}
Kotnik Bojan
Agents CIONCA Law Group P.C.
Cionca Marin
Title
(EN) Method and system for implementing mobile transaction solution based on early media dynamic content generation
Abstract
(EN)

A mobile transaction system comprising: a user's mobile phone, a mobile network of any provider, a transaction device equipped with a microphone, a transaction processing center with dynamic early media generation capability and with the capability of communicating with the mobile network, wherein, upon a mobile phone user's call through the mobile network to the transaction processing center, the transaction processing center detects the call and, instead of answering the call, starts transmitting user identification data as a dynamically modulated signal through an early media connection to the mobile network and further to the user's mobile phone; wherein, the speaker of the user's mobile phone reproduces the modulated signal, which is then captured by the transaction device through the microphone.