WO1997036268A3 - Wireless electronic funds transfer/point-of-sale packet assembler-disassembler - Google Patents

Wireless electronic funds transfer/point-of-sale packet assembler-disassembler Download PDF

Info

Publication number
WO1997036268A3
WO1997036268A3 PCT/CA1997/000192 CA9700192W WO9736268A3 WO 1997036268 A3 WO1997036268 A3 WO 1997036268A3 CA 9700192 W CA9700192 W CA 9700192W WO 9736268 A3 WO9736268 A3 WO 9736268A3
Authority
WO
WIPO (PCT)
Prior art keywords
eft
pos
financial transaction
data message
wireless
Prior art date
Application number
PCT/CA1997/000192
Other languages
French (fr)
Other versions
WO1997036268A2 (en
Inventor
Michael Coveley
Original Assignee
Michael Coveley
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Michael Coveley filed Critical Michael Coveley
Priority to AU19196/97A priority Critical patent/AU1919697A/en
Priority to TW086109463A priority patent/TW365732B/en
Publication of WO1997036268A2 publication Critical patent/WO1997036268A2/en
Publication of WO1997036268A3 publication Critical patent/WO1997036268A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/50—Network services
    • H04L67/56—Provisioning of proxy services
    • H04L67/565—Conversion or adaptation of application format or content
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H04L67/04—Protocols specially adapted for terminals or networks with limited capabilities; specially adapted for terminal portability

Abstract

A wireless wide area communication system (150) comprises at least one electronic fund transfer/point-of-sale (EFT/POS) device (152) generating an EFT/POS financial transaction data message in response to a financial transaction request. A wireless communications converter (154) in communication with the at least one EFT/POS device receives the EFT/POS financial transaction data message. The wireless communications converter converts the EFT/POS financial transaction data message into a form suitable for transmission over a radio frequency wireless wide area network (wireless WAN) (156). The wireless WAN is connected to at least one financial institution (160) by way of a gateway (158) and a land line connection (162) and conveys the EFT/POS financial transaction data message received from the wireless communications converter to the at least one financial institution.
PCT/CA1997/000192 1996-03-25 1997-03-24 Wireless electronic funds transfer/point-of-sale packet assembler-disassembler WO1997036268A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU19196/97A AU1919697A (en) 1996-03-25 1997-03-24 Wireless electronic funds transfer/point-of-sale packet assembler-disassembler
TW086109463A TW365732B (en) 1996-03-25 1997-07-04 Wireless electronic funds transfer/point-of-sale packet assembler-disassembler

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GBGB9606263.3A GB9606263D0 (en) 1996-03-25 1996-03-25 Wireless pos communication converter
GB9606263.3 1996-03-25

Publications (2)

Publication Number Publication Date
WO1997036268A2 WO1997036268A2 (en) 1997-10-02
WO1997036268A3 true WO1997036268A3 (en) 1997-11-27

Family

ID=10790986

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CA1997/000192 WO1997036268A2 (en) 1996-03-25 1997-03-24 Wireless electronic funds transfer/point-of-sale packet assembler-disassembler

Country Status (7)

Country Link
AR (1) AR006386A1 (en)
AU (1) AU1919697A (en)
CA (1) CA2259120A1 (en)
GB (1) GB9606263D0 (en)
TW (1) TW365732B (en)
WO (1) WO1997036268A2 (en)
ZA (1) ZA972571B (en)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6011790A (en) * 1996-06-07 2000-01-04 Bell Mobility Cellular Inc. Wireless terminal data network communication
EP1188131A4 (en) * 1999-02-12 2004-06-23 American Multi Pass Systems Co Wireless point of sale communication
WO2001084779A2 (en) * 2000-04-27 2001-11-08 Soft Tracks Enterprises Ltd. Remote point of sale system
US9684893B2 (en) 2000-06-30 2017-06-20 Tara Chand Singhal Apparatus and method for a wireless point of sale terminal
JP2002203189A (en) * 2000-12-28 2002-07-19 Ntt Docomo Inc Method and system for processing payment
US7831520B2 (en) 2005-06-28 2010-11-09 Ebay Inc. Mobile device communication system

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4771461A (en) * 1986-06-27 1988-09-13 International Business Machines Corporation Initialization of cryptographic variables in an EFT/POS network with a large number of terminals
EP0421808A2 (en) * 1989-10-06 1991-04-10 André Peter Mansvelt Funds transfer system
US5280625A (en) * 1992-06-26 1994-01-18 Hughes Aircraft Company Communication system and method for linking data terminals and their host computers through a satellite or other wide area network
WO1995016318A1 (en) * 1993-12-08 1995-06-15 Philips Electronics N.V. Information transmission system and telecommunications equipment intended to be used in such a system
US5446736A (en) * 1993-10-07 1995-08-29 Ast Research, Inc. Method and apparatus for connecting a node to a wireless network using a standard protocol

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4771461A (en) * 1986-06-27 1988-09-13 International Business Machines Corporation Initialization of cryptographic variables in an EFT/POS network with a large number of terminals
EP0421808A2 (en) * 1989-10-06 1991-04-10 André Peter Mansvelt Funds transfer system
US5280625A (en) * 1992-06-26 1994-01-18 Hughes Aircraft Company Communication system and method for linking data terminals and their host computers through a satellite or other wide area network
US5446736A (en) * 1993-10-07 1995-08-29 Ast Research, Inc. Method and apparatus for connecting a node to a wireless network using a standard protocol
WO1995016318A1 (en) * 1993-12-08 1995-06-15 Philips Electronics N.V. Information transmission system and telecommunications equipment intended to be used in such a system

Also Published As

Publication number Publication date
ZA972571B (en) 1997-10-20
GB9606263D0 (en) 1996-05-29
AU1919697A (en) 1997-10-17
TW365732B (en) 1999-08-01
AR006386A1 (en) 1999-08-25
CA2259120A1 (en) 1997-10-02
WO1997036268A2 (en) 1997-10-02

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