Apparatus and method for commercial transactions using a communication device

摘要

An apparatus for effecting commercial transactions with a server using a transaction card via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information from the transaction card and a controller for converting the captured card information into an encrypted audio signal and for transmitting the audio signal to the communication device. The communication device delivers the audio signal to the server for processing the commercial transaction.

主权项

1. A portable smart card reader device for reading a smart card having recorded information stored on an integrated circuit incorporated into the card, the device comprising:
A sensor for reading said recorded information stored on said integrated circuit incorporated into said card; a controller coupled to said sensor for converting the recorded information stored on said integrated circuit into an encrypted signal indicative of the recorded information, and a communication link for coupling said portable smart card reader device to a mobile communication device for the transmission of said encrypted signal indicative of the recorded information therebetween; wherein when said sensor reads the recorded information stored on said integrated circuit, said controller converts the recorded information read by said sensor into said encrypted signal and transmits said encrypted signal via said communication link to said mobile communication device; and said mobile communication device transmits the encrypted signal indicative of the recorded information to a remote transaction server for processing a commercial transaction.