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1. (WO1997018653) WIRELESS TRANSACTION AND INFORMATION SYSTEM
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/1997/018653 International Application No.: PCT/US1996/017902
Publication Date: 22.05.1997 International Filing Date: 12.11.1996
Chapter 2 Demand Filed: 13.06.1997
IPC:
G06Q 20/00 (2006.01) ,G07F 7/08 (2006.01) ,G07F 19/00 (2006.01) ,H04L 9/32 (2006.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
G PHYSICS
07
CHECKING-DEVICES
F
COIN-FREED OR LIKE APPARATUS
7
Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
08
by coded identity card or credit card
G PHYSICS
07
CHECKING-DEVICES
F
COIN-FREED OR LIKE APPARATUS
19
Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
H ELECTRICITY
04
ELECTRIC COMMUNICATION TECHNIQUE
L
TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9
Arrangements for secret or secure communication
32
including means for verifying the identity or authority of a user of the system
Applicants:
TRANSACTION TECHNOLOGY, INC. [US/US]; 3100 Ocean Park Boulevard Santa Monica, CA 90405, US
Inventors:
KAWAN, Joseph, C.; US
Agent:
MARCOU, George, T. ; Kilpatrick Stockton LLP Suite 800 700 13th Street, N.W. Washington, DC 20005, US
Priority Data:
08/558,09113.11.1995US
Title (EN) WIRELESS TRANSACTION AND INFORMATION SYSTEM
(FR) SYSTEME RADIO DE TRANSACTIONS ET D'INFORMATIONS
Abstract:
(EN) A financial information and transaction system utilizes wireless communication (20) in connection with portable terminals. In this system, a terminal (150) is connected to the financial institution via a wireless (102) or cellular telephone hook-up. Smart cards are utilized to verify authorization for transactions, thereby minimizing potential security problems which could otherwise result from use of a mobile terminal (150). Alternatively, a smart card is advantageously utilized not only for authorization, but also to maintain a secure record of available funds. The system not only provides the functionality of an ATM network, but also provides non-financial services, thereby forming an integrated system.
(FR) Système d'informations et de transactions financières mettant en ÷uvre une communication radio (20) en relation avec des terminaux portables. Dans ce système, un terminal (150) est raccordé à une institution financière par l'intermédiaire d'une liaison téléphonique cellulaire ou radio (102). Des cartes à puce sont utilisées pour vérifier l'autorisation des transactions, ce qui réduit les problèmes potentiels de sécurité, afférents normalement à l'utilisation d'un terminal mobile (150). D'autre part, une carte à puce est utilisée avantageusement non seulement pour l'autorisation, mais également pour garder une trace fiable des avoirs disponibles. Le système n'offre pas seulement les fonctions d'automate de guichet en réseau, mais assure également des services non financiers, constituant ainsi un système intégré.
Designated States: AL, AM, AT, AU, AZ, BB, BG, BR, BY, CA, CH, CN, CZ, DE, DK, EE, ES, FI, GB, GE, HU, IL, IS, JP, KE, KG, KP, KR, KZ, LK, LR, LS, LT, LU, LV, MD, MG, MK, MN, MW, MX, NO, NZ, PL, PT, RO, RU, SD, SE, SG, SI, SK, TJ, TM, TR, TT, UA, UG, UZ, VN
African Regional Intellectual Property Organization (ARIPO) (KE, LS, MW, SD, SZ, UG)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM)
European Patent Office (AT, BE, CH, DE, DK, ES, FI, FR, GB, GR, IE, IT, LU, MC, NL, PT, SE)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)
Also published as:
EP0872075JP2000500595 CN1202287CA2236931AU1997010745MYPI 96004705