APPARATUS AND METHOD FOR COMMERCIAL TRANSACTIONS USING A COMMUNICATION DEVICE

摘要

An apparatus for commercial transactions using a transaction card via a communication device in audio communication with a remote processor assembly is provided. The apparatus comprises an input device for capturing information from the transaction card, a controller for converting the captured card information into an audio signal. The controller is linked to the communication device. The apparatus may also be part of an assembly wherein this controller is part of the communication device. The remote processor assembly includes a transaction server linked to a remote processor/issuer for validating the transaction card data. A system including this apparatus, the communication device and the transaction server is also provided. Methods therefore are also disclosed. The input device captures the card information that is converted to an audio signal by the controller and transmitted to the transaction server via the communication device for being converted to an appropriate signal to be transmitted to the remote processor/issuer for validation thereof. The validation information is sent back to the apparatus providing feedback to the user. The transaction server translates the signal received by the remote processor/issuer into an audio signal and sends it to the controller via the communication device for conversion to an appropriate format.

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.