[go: up one dir, main page]

WO1997005731A1 - Telephone multifonctionnel a ecran - Google Patents

Telephone multifonctionnel a ecran Download PDF

Info

Publication number
WO1997005731A1
WO1997005731A1 PCT/US1996/012329 US9612329W WO9705731A1 WO 1997005731 A1 WO1997005731 A1 WO 1997005731A1 US 9612329 W US9612329 W US 9612329W WO 9705731 A1 WO9705731 A1 WO 9705731A1
Authority
WO
WIPO (PCT)
Prior art keywords
telephone
credit card
user
memory
coupled
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/US1996/012329
Other languages
English (en)
Inventor
Eric W. Bouldin
Chee Wah Lim
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Priority to AU66018/96A priority Critical patent/AU6601896A/en
Publication of WO1997005731A1 publication Critical patent/WO1997005731A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/24—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder by means of a handwritten signature
    • G07C9/247—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder by means of a handwritten signature electronically, e.g. by comparing signal of hand-writing with a reference signal from the pass
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/64—Automatic arrangements for answering calls; Automatic arrangements for recording messages for absent subscribers; Arrangements for recording conversations
    • H04M1/65—Recording arrangements for recording a message from the calling party
    • H04M1/6505—Recording arrangements for recording a message from the calling party storing speech in digital form
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/66—Substation equipment, e.g. for use by subscribers with means for preventing unauthorised or fraudulent calling
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/26—Devices for calling a subscriber
    • H04M1/27—Devices whereby a plurality of signals may be stored simultaneously
    • H04M1/274—Devices whereby a plurality of signals may be stored simultaneously with provision for storing more than one subscriber number at a time, e.g. using toothed disc
    • H04M1/2745—Devices whereby a plurality of signals may be stored simultaneously with provision for storing more than one subscriber number at a time, e.g. using toothed disc using static electronic memories, e.g. chips
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2250/00—Details of telephonic subscriber devices
    • H04M2250/14—Details of telephonic subscriber devices including a card reading device

Definitions

  • the present invention relates generally to telephone sets, and more specifically to a computer-based telephone set.
  • a computer based telephone device includes a base unit and an optionally cordless handset.
  • the base unit includes a computing unit, means for obtaining credit card informa ⁇ tion and an answering system capable of digitizing and storing incoming voice messages on floppy disks.
  • the computing unit includes system software stored in ROM, a floppy drive, RAM and a display.
  • the computing unit further includes two PCMCIA slots, Type I and II.
  • the display may include a touch sensitive pad, so that user input may be through a pen-based device or a virtual keyboard displayed on the display screen. Alternatively, an external keyboard may be plugged into the PCMCIA type II slot.
  • the answering system of the present invention provides digital compression of the digitized voice messages so that storage on floppy disks is practical.
  • PCMCIA slots offer a variety of methods for storing received voice messages other than floppy disks.
  • a PCMCIA type I slot may be used for con ⁇ necting a PDA type memory card such as flash RAM ' .
  • the answering system may be a separate machine, or may be implemented partially or entirely in software.
  • the credit card means may include a magnetic stripe reader, such as those typically used in retail stores, that is capable of communicating along the telephone line.
  • the credit card informa ⁇ tion may be obtained through software, whereby the user is queried for the pertinent information.
  • a connection to the telephone line enables the computing unit to communicate with the credit card company to confirm or deny access to the card.
  • a signature verification system is included in the present invention.
  • One such verification method is described in U.S. Patent No. 5,202,930 to Livshitz et al.
  • the Livshitz et al. method records the dynamics of the scriber as the signature is made. In this way, a forger who can faithfully reproduce a person's signature is not likely to exhibit the same writing dynamics as those of the owner of the signature, and so can be readily de ⁇ tected.
  • Fig. 1 shows a general organization of a telephone of the present invention.
  • Figs. 2A and 2B illustrates a preferred embodi ⁇ ment of a telephone in accordance with the present invention.
  • FIG. 1 A general organization of the computer based telephone of the present invention is shown in Fig. 1.
  • a processing unit driven by a real time operating system 1, which provides various low level operations such as memory management, I/O management, and graphics primitives.
  • the system includes features 2, 3 such as a main menu for selecting among the various applications, a call status which monitors the progress of call, a directory of phone numbers and addresses, a phone log for making notes during a phone call, an answering machine function, fax and e-mail capability, and a calendar/datebook for scheduling appointments and other events.
  • support utility applications including a virtual keyboard, a notepad program, a calculator, a world clock, a system set-up utility, a security lock-out utility, a backup program, and a signature capture program.
  • voice recognition features will be included.
  • Hardware links 4 include a telephone, a modem, a pen-based input screen and PCMCIA slots. The intercon ⁇ nections among these elements and their operation will now be described.
  • Figs. 2A-2B show an embodiment of the telephone 100 of the present invention.
  • a telecommunications line 10 from the Central Office (CO) of the telephone company provides a telecommunications channel to the user.
  • the telecommunications line 10 is typically a telephone line, known in the industry as a twisted-pair. However, it should be apparent that as advances in the technology are made, affordable access to higher capacity and higher speed networks such as provided by ISDN and optical fiber cable will be possible.
  • the telephone line 10 from the CO terminates at a termination point 12 which, for example, may be an RJ-11 telephone jack typically found in most homes. In the case of an ISDN line, the termination point 12 is likely to be an NTI interface.
  • the internal wiring 14 is coupled to various telecommunications interface components of the telephone 100.
  • a telephone unit 30 provides the standard telephone functions for the user.
  • the telephone unit 30 is a standard telephone set, and may include a cordless handset. Whether cordless or not, the handset contains a button set for placing calls.
  • Other typical interface components include an analog-to-digital and a digi ⁇ tal-to-analog converter 162, 164, a digital tone multifrequency (DTMF) generator 166 and a ring-detect circuit 168. These components 162-168 are coupled to a processing unit 122, which in the embodiment of Fig. 2A is shown as a digital signal processing (DSP) unit.
  • DSP digital signal processing
  • a DSP is preferred over a conventional CPU because of the need for high speed digital processing that is inherent in a telephone application.
  • a DSP is optimized for such applications, it should be noted that one skilled in the relevant art could easily modify the present invention to incorporate a conventional CPU chip in place of the DSP chip 122.
  • the DSP chip 122 used in the preferred embodi ⁇ ment of the present invention includes ROM 110 and RAM 112 fabricated within the device itself. Such customized devices help to keep manufacturing costs down.
  • Texas Instruments, Inc. offers a DSP chip having on-board RAM and ROM. The amount of each type of memory can be selected by the system designer.
  • the DSP chip cab be fabricated wherein the ROM is pre-programmed with code supplied by the designer.
  • the ROM 110 contains a real-time operating system (RTOS) and various software primitives that are used by the higher level applica ⁇ tions.
  • the RAM 112 serves the same purpose as RAM in a typical computer.
  • An internal system bus 121 provides a data path between the DSP chip 122 and various ⁇ ystem elements, including a floppy drive 134, a touch sensitive display 124 and a magnetic stripe reader 132.
  • the ROM 110 and RAM 112 is accessed via the system bus, rather than as memory on board the chip.
  • the touch sensitive display 124 serves both as an output device and an input device.
  • the display function is based on flat panel technology, and includes, but is not limited to, devices such as two-tone backlit LCD screens, color active matrix devices and flat panel CRTs.
  • the touch sensitive display 124 includes a touch sensitive pad for providing user inputs to the telephone.
  • Various technologies are available and known, such as capacitance-sensitive pads, so that a person of ordinary skill can readily practice this aspect of the present invention.
  • a pen-based input device 125 so that the user can provide input simply by writing upon the touch sensitive device 124.
  • the floppy drive 134 is a standard 3.5 inch disk drive.
  • the floppy drive serves as the mass storage medium, rather than a typical hard drive. By eliminating the hard drive, manufacturing costs are kept to a mini ⁇ mum.
  • the various user applications are provided to the system through floppies that are read by the floppy drive 134. The particular applications will be more fully describe in the discussion below.
  • Fig ⁇ . 2A and 2B show that the floppy drive 134 can be attached to the system bus 121 as part of the telephone, or may be an externally provided device that plugs into an external port such as the PCMCIA port 130, which will be described below. It is contemplated that the floppy drive 134 may actually consist of two separate drive units.
  • Such an arrangement would increase storage capacity by dedi ⁇ cating an entire drive to storage, while the applications software is accessed from the second drive. Having a dedicated drive for data storage more readily accommo ⁇ dates the storage demands for digitized voice messages (see below) and portability, allowing the user to put all of their data in one location, namely a removable floppy disk. It is further noted that where the floppy drive is provided as an external drive 134, as shown in Fig. 2B, such a device may be a hard disk drive.
  • a magnetic stripe reader 132 is provided to allow the user to make purchases with a credit card.
  • Fig. 2 shows that the magnetic stripe reader can be integrated with the telephone 100, or be attached to the telephone as an external device through a PCMCIA port 130.
  • PCMCIA port 130 Two Personal Computer Memory Card International
  • PCMCIA Personal Data accesso ⁇ ries
  • the Type I interface 140 can accommodate memory cards 142 such as flash memory, DRAM and SRAM devices. These memory cards allow the user to carry personalized telephone directories and phone logs from one telephone to another. For example a memory card can be loaded with a telephone directory from a first loca ⁇ tion and carried by the user to be used at a second location.
  • the PCMCIA Type II slot 130 serves as an interface to a family of useful peripheral devices.
  • a keyboard 136 for providing input in addition to the pen-based input of the display 124, a printer 138 to output relevant hardcopy and, as mentioned above, an external floppy drive or a hard disk drive 134.
  • a printer 138 to output relevant hardcopy and, as mentioned above, an external floppy drive or a hard disk drive 134.
  • Fig. 2A the capabilities contemplated for the telephone of the present invention are shown in the software modules 60-66.
  • the software is provided from floppy disks which are read by the floppy drive 134.
  • One such software module implements the functionality of an answering machine, as represented by the answering software module 60.
  • the module provides the functions of a typical answering machine, such as recording an outgoing message, detecting an incoming call, playback of the message when an incoming call is received and recording the incoming message.
  • the re ⁇ corded outgoing message is recorded by a user, digitized and stored on a floppy.
  • the answering software 60 monitors the ring detect circuitry 168 for an incoming call.
  • the answering software may be interrupt driven, so that the ring detect cir ⁇ cuitry interrupts the DSP 122 which then activates the answering software 60. Either approach is possible, and is readily understood by a person of ordinary skill in the relevant arts.
  • the answering module 60 upon detection of an incoming call, the digitized outgoing message is "played.” This involves retrieving the message, converting it to an analog equivalent through the D/A converter 164 and transmitting the resulting analog signal along the telephone line 10. An incoming message is digitized by the A/D converter 162 and stored onto the floppy disk. In order to maintain low production costs for the manufacture of telephones and low operating cost ⁇ for the user, it is contemplated that the telephone will use industry standard low-cost 3.5" floppy disk drives. In order to make the use of such drives more practical for storing digitized voice files, the answering module 60 of the present invention includes a means for compressing the data.
  • the compressed data files may also be stored to a memory card 142 attached to the PCMCIA Type I port 140.
  • a credit card software module 62 operates in conjunction with the magnetic stripe reader 132 to provide the user with on-line transaction capability.
  • the magnetic stripe reader provides the software 62 with information from a credit card.
  • An alternate approach is to dispense with the magnetic stripe reader and to query the user directly for the credit card number. This approach offers the benefit of not requiring the use of a magnetic stripe reader, thus lowering the cost of the telephone. It is further contemplated that both ap ⁇ proaches are incorporated into the telephone, so that user may be queried depending upon whether the magnetic stripe reader has been installed by the user. Continu ⁇ ing, upon receipt of the necessary credit card informa ⁇ tion, the credit card software 62 initiates a communica ⁇ tions link with the appropriate credit card company and proceeds to verify the validity of the information provided on the credit card.
  • the signature verification software module 64 also participates in the proces ⁇ of making a credit card purchase by providing a mechanism for ensuring that the user of the credit card is who that person purports to be. This involves a third party signature verification service, which stores the signatures of it ⁇ enrolled members. When the user is ready to conclude a purchase, the user's signature is obtained by signing on the touch sensitive display 124 with the attached pen device.
  • the signature software 64 records a signature u ⁇ ing any one of a number of method ⁇ . For example, the writing dynam ⁇ ics of a signature as it is written, such as pen speed, pen pre ⁇ ure and pen direction may be measured and recorded. The method disclo ⁇ ed by Liv ⁇ hitz et al. describes one such technique by which writing dynamics may be recorded.
  • the signature software 64 next, send ⁇ the recorded signature dynamics to the verification service to confirm the signature by matching them against the user's enrolled signature. Upon verification, a transaction number is transmitted from the service to either the vendor or the credit card company, thus concluding
  • a virtual keyboard software module 66 is provided. This module utilizes the touch sensitive display 124 as a "virtual" keyboard to allow the user to make keyboard entries without having to provide an external keyboard.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Signal Processing (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Telephonic Communication Services (AREA)

Abstract

Ce téléphone multifonctionnel (100), doté d'un écran et informatisé, permet des transactions en ligne à l'aide de cartes de crédit. Un système de vérification de signatures à haute fiabilité recourt à un procédé de vérification (64) basé sur la dynamique d'écriture des signatures, ce qui apporte une sécurité au vendeur tout en protégeant l'utilisateur. D'autres caractéristiques, qui mettent en exergue l'utilité de ce téléphone à écran, incluent un répondeur (60) faisant usage d'enregistrements vocaux numérisés qui sont comprimés pour qu'il soit pratique d'utiliser la technique des unités de disque souple qui existe déjà à faible coût. Des ports PCMCIA (130, 140) améliorent encore la souplesse de ce téléphone à écran en permettant à l'utilisateur de connecter différents dispositifs externes tel qu'un assistant numérique personnel à mémoire (142), un clavier externe (66) et un lecteur (132) de bandes magnétiques de cartes de crédit permettant des transactions avec ces cartes.
PCT/US1996/012329 1995-07-31 1996-07-26 Telephone multifonctionnel a ecran Ceased WO1997005731A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU66018/96A AU6601896A (en) 1995-07-31 1996-07-26 Multifunction screenphone

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US50838995A 1995-07-31 1995-07-31
US508,389 1995-07-31

Publications (1)

Publication Number Publication Date
WO1997005731A1 true WO1997005731A1 (fr) 1997-02-13

Family

ID=24022570

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1996/012329 Ceased WO1997005731A1 (fr) 1995-07-31 1996-07-26 Telephone multifonctionnel a ecran

Country Status (2)

Country Link
AU (1) AU6601896A (fr)
WO (1) WO1997005731A1 (fr)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000000928A1 (fr) * 1998-06-26 2000-01-06 Lci/Smartpen, N.V. Appareil et procedes de formation d'images de donnees ecrites avec un poste telephonique mobile
WO2000016252A1 (fr) * 1998-09-14 2000-03-23 Inmotion, Inc. Systeme et procede pour mener et authentifier des transactions
WO2001050652A1 (fr) * 2000-01-05 2001-07-12 Geode Electronics Llc Recepteur radio internet ayant l"apparence d"un recepteur radio traditionnel
US8224375B2 (en) 2009-05-01 2012-07-17 Qualcomm Incorporated Proximity purchase ringtones
US8666891B2 (en) 2007-07-11 2014-03-04 Qualcomm Incorporated Mobile wireless financial instrument for automatically selecting a payment instrument

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5266782A (en) * 1990-03-22 1993-11-30 Nokia-Mobile Phones Ltd. Control of a card interface
US5485505A (en) * 1993-11-23 1996-01-16 Bellsouth Corporation Apparatus and method for remotely initiating operation of a cellular telephone
US5485370A (en) * 1988-05-05 1996-01-16 Transaction Technology, Inc. Home services delivery system with intelligent terminal emulator
US5521966A (en) * 1993-12-14 1996-05-28 At&T Corp. Method and system for mediating transactions that use portable smart cards

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5485370A (en) * 1988-05-05 1996-01-16 Transaction Technology, Inc. Home services delivery system with intelligent terminal emulator
US5266782A (en) * 1990-03-22 1993-11-30 Nokia-Mobile Phones Ltd. Control of a card interface
US5485505A (en) * 1993-11-23 1996-01-16 Bellsouth Corporation Apparatus and method for remotely initiating operation of a cellular telephone
US5521966A (en) * 1993-12-14 1996-05-28 At&T Corp. Method and system for mediating transactions that use portable smart cards

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000000928A1 (fr) * 1998-06-26 2000-01-06 Lci/Smartpen, N.V. Appareil et procedes de formation d'images de donnees ecrites avec un poste telephonique mobile
US6311042B1 (en) 1998-06-27 2001-10-30 Deschrijver Stefaan Apparatus and methods for imaging written information with a mobile telephone set
WO2000016252A1 (fr) * 1998-09-14 2000-03-23 Inmotion, Inc. Systeme et procede pour mener et authentifier des transactions
WO2001050652A1 (fr) * 2000-01-05 2001-07-12 Geode Electronics Llc Recepteur radio internet ayant l"apparence d"un recepteur radio traditionnel
US8666891B2 (en) 2007-07-11 2014-03-04 Qualcomm Incorporated Mobile wireless financial instrument for automatically selecting a payment instrument
US9972002B2 (en) 2007-07-11 2018-05-15 Qualcomm Incorporated Mobile wireless financial instrument for automatically selecting a payment instrument
US8224375B2 (en) 2009-05-01 2012-07-17 Qualcomm Incorporated Proximity purchase ringtones
US8594721B2 (en) 2009-05-01 2013-11-26 Qualcomm Incorporated Proximity purchase ringtones

Also Published As

Publication number Publication date
AU6601896A (en) 1997-02-26

Similar Documents

Publication Publication Date Title
CN100403289C (zh) 组合计算机系统、个人数字助理装置及其与主机之间进行通讯的方法
CN1111825C (zh) 使用移动无线通信设备的无现金付款的方法
US5754655A (en) System for remote purchase payment and remote bill payment transactions
KR100754825B1 (ko) 휴대 단말기에서 모바일 커머스 제공 장치 및 방법
JP2968047B2 (ja) 仮想ｐｏｓ端末
US5692199A (en) Personal digital assistant module having a host interconnect bus without an interrupt line and which handles interrupts as addresses associated with specific interrupts in memory
WO1990000281A1 (fr) Systeme personnel portatif d'informatique bancaire
JP2000224329A (ja) 電子ドキュメントを使用する方法、装置、及びコンピュ―タ・プログラム製品
US20040101118A1 (en) Caller identification data management
JPH10508397A (ja) 超小型個人用携帯型情報機器
US20020010868A1 (en) Data accumulation system
WO2007067958A2 (fr) Carte de visite virtuelle et méthode de partage électronique d’informations de contact
US6128372A (en) Extension device for telephone
CN101520928A (zh) 一种固网支付终端及其运行方法
US7149723B2 (en) System and method for determining computer access with electronic payment mechanism
WO1997005731A1 (fr) Telephone multifonctionnel a ecran
US20020013900A1 (en) User authentication device and electric commerce system using the device
JP4554937B2 (ja) レイヤー化ｓｉｍカード及びセキュリティ機能
JPH11175726A (ja) 情報処理装置および方法、情報処理システム、並びに提供媒体
KR100722340B1 (ko) 무선 인터넷 통신이 가능한 복합적인 신용카드 단말기 및그 시스템
WO2000062523A1 (fr) Systeme de publiphone multimedias interactif combinant la technologie de reseau et de telephonie
JPS63290449A (ja) 公衆電話機
JP3302048B2 (ja) ネットワーク通信システムの通信方法及びネットワーク通信方法
KR20080030723A (ko) 통신 단말기를 이용한 신용카드 관련 서비스 수행 방법
WO1996002036A1 (fr) Assistant numerique personnel de petite taille

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): AU CA JP KR

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): AT BE CH DE DK ES FI FR GB GR IE IT LU MC NL PT SE

121 Ep: the epo has been informed by wipo that ep was designated in this application
NENP Non-entry into the national phase

Ref country code: CA

122 Ep: pct application non-entry in european phase