WO2013008055A2

WO2013008055A2 - A method and a system for electronic transection using point of sales (pos) device and a contactless reader for mobile phone for online electronic

Info

Publication number: WO2013008055A2
Application number: PCT/IB2011/002634
Authority: WO
Original assignee: CITEX LLC
Current assignee: CITEX LLC
Priority date: 2011-07-13
Filing date: 2011-07-13
Publication date: 2013-01-17
Anticipated expiration: 2014-01-13
Also published as: BR112014000716A2; IN2014CN01042A; EP2735174A2; WO2013008055A3

Abstract

The various embodiments herein provide a Mobile Phone Contactless Reader (MCR) for reading a unique mobile subscriber identification number (UMSIN) associated with Subscriber Identity Module card of the mobile phone. The MCR includes a Central Processing Unit (CPU), a receiving unit for scanning communication waves on a Broadcast Control Channel (BCCH) broadcasted by a Base Transceiver Station, a memory unit for storing and updating the continuously scanned communication waves. A frequency meter counts the scanned communication waves and measures frequency of proximal communication wave. Further a transmitting unit transmits one of the UMSIN to a transaction unit. The mobile station provides the UMSIN to the MCR. The announced UMSIN is transferred to one of a bank account and a Universal Mobile Money database through the transaction unit for online mobile transactions.

Description

A METHOD AND A SYTEM FOR ELECTRONIC TRANSACTION USING POINT OF SALES (POS) DEVICE AND A CONTACTLESS READER FOR MOBILE

PHONE FOR ONLINE ELECTRONIC CROSS-REFERENCE TO RELATED APPLICATIONS

This application claims the benefit of U.S. provisional patent

applications Ser. No. 61/393,234, filed 10-14-2010; 61/371,710 filed on 08-08-2010, which are incorporated herein by reference in their entireties.

BACKGROUND

Technical field

[0001] The embodiments herein generally relates to a mobile phone. The embodiments herein particularly relate to a Mobile Phone Contactless Reader (MCR) and more particularly relates to performing a secure electronic transaction between the mobile phone and a Payment service provider using the MCR.

Description of the Related Art

[0002] Presently different kinds of credit cards and electronic identity cards are issued in the world and are widely used for online transaction purposes. The credit cards and the electronic identity cards are of different kinds such as barcode cards, magnetic cards, contact and contactless cards with chip and the like. Various enterprises such as insurance companies and banks, time and attendance companies, telecommunication companies (telephone cards), bus and metro companies (electronic tickets) issues the electronic identity cards for identification and execution of the financial operations between a customer and the companies. However the electronic cards and credit cards come with various defects such as variety of the cards cause confusion among the customers. Also carrying multiple cards becomes tedious and further the customer may forget to carry multiple cards all time.

[0003] The currently existing cards especially the banking magnetic cards often used by the customers involve low security. The usage of cards require either one of electronic terminals or banking POS (Point Of Sale) which are absent at certain locations. Moreover, production and issuance of the cards are expensive and issuance of the credit card requires the customers to open a bank account accordingly. Furthermore payments of bus fare, metro fare and taxi fare using the cards becomes difficult considering the time consumption involved in payment process by banking credit cards and a single credit fails to serve purpose of its usage all across the globe.

[0004] Yet in another scheme the mobile phones are provided with contactless cards or a kind of contactless tag. Also some banks stick their credit cards in the form of contactless tag on the body of mobile phone of the customers and use a normal contactless card reader on the POS for identifying the customers. However, such scheme needs an additional part on the mobile phone. Moreover providing the mobile phone along with contactless cards and tags do not differentiate with providing credit cards since the contactless cards or the tags needed great level of management and is expensive.

[0005] In light of foregoing discussion there exists a need to provide a Mobile Phone Contactless Reader (MCR) for reading a unique mobile subscriber identification number associated with Subscriber Identity Module (SIM) card of the mobile phone. Also there exists a need to provide the MCR which is connected to various transaction units associated with various Payment Service Providers (PSPs) for online mobile transactions. Further, there exists a need to convert the mobile phone into one of an electronic identification card or a credit card for online mobile transactions across globe.

[0006] The abovementioned shortcomings, disadvantages and problems are addressed herein and which will be understood by reading and studying the following specification.

OBJECTS OF THE EMBODIMENTS

[0007] The primary object of the embodiments herein is to provide a Mobile Phone Contactless Reader (MCR) for reading a unique mobile subscriber identification number associated with Subscriber Identity Module (SIM) card of the mobile phone.

[0008] Another object of the embodiments herein is to provide a MCR which is adapted to be connected to various transaction units associated with various Payment Service Providers (PSPs) for online mobile transactions.

[0009] Yet another object of the embodiments herein is to provide a MCR to convert the mobile phone into one of an electronic identification card or a credit card for online mobile transactions across globe.

[0010] Yet another object of the embodiments herein is to provide a MCR for reading a unique mobile subscriber identification number associated with Subscriber Identity Module (SIM) card of the mobile phone to reduce expenses incurred by issuance of various types of credit cards and electronic identity cards to customers.

[0011] Yet another object of the embodiments herein is to provide a MCR allowing fast connection between transaction unit and one of a bank account database or a Universal Mobile Money (Ummoney) database for online mobile transactions.

[0012] Yet another object of the embodiments herein is to provide a MCR communicating with a mobile device being secure in comparison with usage of electronic identity cards and credit cards.

[0013] Yet another object of the embodiments herein is to provide a MCR communicating with a single mobile device for online mobile transactions with various payment service for various online transactions.

SUMMARY

[0014] These and other objects and advantages of the present disclosure will become readily apparent from the following detailed description taken in conjunction with the accompanying drawings.

[0015] The various embodiments herein provide a Mobile Phone Contactless Reader (MCR) for reading a unique mobile subscriber identification number associated with Subscriber Identity Module (SIM) card of the mobile phone for online mobile transactions across globe. The MCR includes a Central Processing Unit (CPU), a receiving unit for continuously scanning communication waves on a Broadcast Control Channel (BCCH). The communication waves are broadcasted by a Base Transceiver Station (BTS). The MCR also includes a memory unit for storing and updating the continuously scanned communication waves. A frequency meter provided in the MCR counts the scanned communication waves and measures frequency of proximal communication wave. The proximal communication wave is associated with a mobile station. Upon stimulation of the frequency meter by the scanned proximal communication wave the measured frequency is communicated to the CPU. Further the MCR includes a transmitting unit for transmitting one of a unique mobile subscriber identification number to a transaction unit. Upon request by the MCR, the mobile station announces the unique mobile subscriber identification number to the MCR. The announced unique mobile subscriber identification number is transferred to one of a bank account or a Universal Mobile Money (Ummoney) database through the transaction unit for online mobile transactions. The frequency meter is provided with logic circuit for counting the scanned communication waves and measuring frequency of the scanned proximal communication wave.

[0016] According to one embodiment of the present disclosure herein, the unique mobile subscriber identification number includes one of an IMSI (International Mobile Subscriber Identity) number, a TMSI (Temporary Mobile Subscriber Identity) number, an IMEI (International Mobile Equipment Identity) number and a MSISDN (Mobile Subscriber Integrated Services Digital Network) number. The unique mobile subscriber identification number is associated with Subscriber Identity Module (SIM) card of the mobile phone. The transaction unit is associated with a payment service provider. The receiving unit further consists of a Radio Frequency unit (RF) a Demodulator and a Decoder. The transmitting unit further consists of a Radio Frequency unit a Modulator and a Coder. A mobile phone is associated with the mobile station and upon dialing one of a key on the mobile phone the mobile station communicates with an associated BTS on a Random Access Channel (RACH) for further communication with the MCR. The mobile phone is placed at a predefined distance towards the MCR prior to dialing one of the key.

[0017] For online transactions, the mobile station requests the MCR through a Random Access Channel (RACH) for allocating a specific channel in order to send the unique mobile subscriber identification number to the MCR. Upon request by the mobile station the frequency meter sends frequency information, timing information and intensity information of the RACH to the CPU of the MCR. Upon receiving the frequency information, the timing information and the intensity information of the RACH by the CPU, the CPU adjusts frequency of the receiving unit to receive the request from the RACH. The MCR allocates a Stand Alone Dedicated Control Channel (SDCCH) to the mobile station based upon the request by the mobile station to receive the unique mobile subscriber identification number. The CPU allocates the SDCCH to the mobile station based on the continuously scanned communication wave information stored in the memory unit. The receiving unit reads the unique mobile subscriber identification number announced by the mobile station.

[0018] The MCR directs the mobile station to disconnect communication with the MCR, upon receiving the unique mobile subscriber identification number from the mobile station. The CPU co-ordinates with the transmitting unit to transmit the unique mobile subscriber identification number to the transaction unit. The CPU exchanges information in accordance with communication protocol among the receiving unit, the transmitting unit, the frequency meter and the memory unit. In various embodiments herein, the MCR is one of a Mobile Phone Contactless IMSI (International Mobile Subscriber Identity) Reader (MCIR), a Mobile Phone Contactless TMSI (Temporary Mobile Subscriber Identity) Reader (MCTR), a Mobile Phone Contactless IMEI (International Mobile Equipment Identity) Reader (MCIMR), and a Mobile Phone Contactless MSISDN (Mobile Subscriber ISDN (Integrated Services Digital Network) Number) Reader (MCISDNR).

[0019] The various embodiments herein provide an MCR which is adapted to be connected to various transaction units associated with various Payment Service Providers (PSPs) for online mobile transactions. The MCR converts the mobile phone into one of an electronic identification card or a credit card for online mobile transactions across globe. The use of mobile phones in the present disclosure reduces expenses incurred by issuance of various types of credit cards and electronic identity cards to customers. The MCR provides fast communication between transaction unit and one of a bank account or a Universal Mobile Money (Ummoney) database on reception of the unique mobile subscriber identification number, for online mobile transactions. This provides for secure communication of the MCR with the mobile device in comparison with usage of the electronic identity cards and the credit cards by the customers. The usage of the mobile phone in the present disclosure also avoids carrying of one or more of electronic identity cards and credit cards by customers for various online transaction purposes.

[0020] These and other aspects of the embodiments herein will be better appreciated and understood when considered in conjunction with the following description and the accompanying drawings. It should be understood, however, that the following descriptions, while indicating preferred embodiments and numerous specific details thereof, are given by way of illustration and not of limitation. Many changes and modifications may be made within the scope of the embodiments herein without departing from the spirit thereof, and the embodiments herein include all such modifications.

BRIEF DESCRIPTION OF THE DRAWINGS

[0021] The other objects, features and advantages will occur to those skilled in the art from the following description of the preferred embodiment and the accompanying drawings in which:

[0022] FIG. 1 illustrates a block diagram of a mobile phone connected to a transaction unit through a Mobile phone Contactless Reader (MCR) for online mobile phone transactions according to an embodiment of the present disclosure.

[0023] FIG. 2 is a block diagram illustrating various elements of a Mobile phone Contactless Reader (MCR) according to an embodiment of the present disclosure.

[0024] FIG. 3 is an exemplary illustration of a mobile phone in communication with a metro system through a Mobile phone Contactless Reader (MCR) for online mobile phone transaction according to an embodiment of the present disclosure.

[0025] Fig. 4 is an exemplary illustration of a mobile phone in communication with a Bank Point of sale (POS) system through a Mobile phone Contactless Reader (MCR) for online mobile phone transaction according to an embodiment of the present disclosure.

[0026] FIG. 5 is an exemplary illustration of a mobile phone in communication with one of a Bus ticket and a Taxi fare reader through a Mobile phone Contactless Reader (MCR) for online mobile phone transaction according to an embodiment of the present disclosure.

[0027] FIG. 6 is an exemplary illustration of a mobile phone in communication with a Bank ATM through a Mobile phone Contactless Reader (MCR) for online mobile phone transaction according to an embodiment of the present disclosure.

[0028] FIG. 7 is a functional block diagram of a NSC POS device for an electronic transaction through a payer cell phone, according to an embodiment herein

[0029] FIG. 8 is a functional block diagram of a NSC OTP device for an electronic transaction through a through a cell phone, according to an embodiment herein.

[0030] FIG. 9 is the flowchart illustrating a method of performing an electronic transaction on a NSC POS device using a cell phone of the payer, according to an embodiment herein.

[0031]

[0032] FIG. 10 is a system diagram illustrating electronic transaction between two mobile phones according to an embodiment of the present disclosure.

[0033] FIG. 11 is a flow chart illustrating electronic transaction between two mobile phones according to an embodiment of the present disclosure.

[0034] Although the specific features of the present invention are shown in some drawings and not in others. This is done for convenience only as each feature may be combined with any or all of the other features in accordance with the present invention.

DETAILED DESCRIPTION OF THE EMBODIMENTS

[0035] In the following detailed description, a reference is made to the accompanying drawings that form a part hereof, and in which the specific embodiments that may be practiced is shown by way of illustration. These embodiments are described in sufficient detail to enable those skilled in the art to practice the embodiments and it is to be understood that the logical, mechanical and other changes may be made without departing from the scope of the embodiments. The following detailed description is therefore not to be taken in a limiting sense.

[0036] The various embodiments herein provide a Mobile Phone Contactless Reader (MCR) for reading a unique mobile subscriber identification number associated with Subscriber Identity Module (SIM) card of the mobile phone for online mobile transactions across globe. The MCR includes a Central Processing Unit (CPU), a receiving unit for continuously scanning communication waves on a Broadcast Control Channel (BCCH). The communication waves are broadcasted by a Base Transceiver Station (BTS). The MCR also includes a memory unit for storing and updating the continuously scanned communication waves. A frequency meter provided in the MCR counts the scanned communication waves and measures frequency of proximal communication wave. The proximal communication wave is associated with a mobile station. Upon stimulation of the frequency meter by the scanned proximal communication wave, the measured frequency is communicated to the CPU. Further the MCR includes a transmitting unit for transmitting one of a unique mobile subscriber identification number to a transaction unit. Upon request by the MCR the mobile station transmits the unique mobile subscriber identification number to the MCR. The announced unique mobile subscriber identification number is transferred to one of a bank account or a Universal Mobile Money (Ummoney) database through the transaction unit for online mobile transactions. The frequency meter is provided with logic circuit for counting the scanned communication waves and measuring frequency of the scanned proximal communication wave.

[0037] According to one embodiment of the present disclosure herein, the unique mobile subscriber identification number includes one of an IMSI (International Mobile Subscriber Identity) number, a TMSI (Temporary Mobile Subscriber Identity) number, an IMEI (International Mobile Equipment Identity) number and a MSISDN (Mobile Subscriber Integrated Services Digital Network) number. The unique mobile subscriber identification number is associated with Subscriber Identity Module (SIM) card of the mobile phone. The transaction unit is associated with a payment service provider. The receiving unit further consists of a Radio Frequency unit (RF) a Demodulator and a Decoder. The transmitting unit further consists of a Radio Frequency unit a Modulator and a Coder. A mobile phone is associated with the mobile station and upon pressing and dialing one of a key on the mobile phone the mobile station communicates with an associated BTS on a Random Access Channel (RACH) for further communication with the MCR. The mobile phone is placed at a predefined distance towards the MCR prior to dialing the mobile phone. [0038] During online transactions the mobile station requests the MCR through a Random Access Channel (RACH) for allocating a specific channel in order to send the unique mobile subscriber identification number to the MCR. Upon request by the mobile station the frequency meter sends frequency information, timing information and intensity information of the RACH to the CPU of the MCR. Upon receiving the frequency information, the timing information and the intensity information of the RACH by the CPU, the CPU adjusts frequency of the receiving unit in order to receive the request from the RACH. The MCR allocates a Stand Alone Dedicated Control Channel (SDCCH) to the mobile station based upon the request by the mobile station in order to receive the unique mobile subscriber identification number. The CPU allocates the SDCCH to the mobile station based on the continuously scanned communication wave information stored in the memory unit. The receiving unit reads the unique mobile subscriber identification number announced by the mobile station.

[0039] The MCR directs the mobile station to disconnect communication with the MCR, upon receiving the unique mobile subscriber identification number from the mobile station. The CPU co-ordinates with the transmitting unit to transmit the unique mobile subscriber identification number to the transaction unit. The CPU exchanges information in accordance with communication protocol among the receiving unit, the transmitting unit, the frequency meter and the memory unit. In various embodiments herein the MCR is one of a Mobile Phone Contactless IMSI (International Mobile Subscriber Identity) Reader (MCIR), a Mobile Phone Contactless TMSI (Temporary Mobile Subscriber Identity) Reader (MCTR), a Mobile Phone Contactless IMEI (International Mobile Equipment Identity) Reader (MCIMR), and a Mobile Phone Contactless MSISDN (Mobile Subscriber ISDN (Integrated Services Digital Network) Number) Reader (MCISDNR).

[0040] In various embodiments herein, the Universal Mobile Money (Ummoney) database is a single universal virtual account created independent of each bank and mobile phone operators. The universal virtual account is allocated to each of the mobile phone user. Mobile number of the each of the mobile phone is provided with a unique universal virtual account number for online electronic money transactions using the mobile phone / mobile banking methods/ mobile payment services. Mobile phone subscribers of all operators (users) deposit money into the unique universal virtual account using alternate methods without having bank account or one or more of an electronic identity card and a credit card through the mobile phone across globe. Thereby the money deposited in the unique universal virtual account is used for purpose of online transactions. Examples of the online transactions include, but are not limited to purchasing, money deposition into third party's account, online shopping, paying bus or metro fare, receiving money from third party members, depositing money into third party account, Online purchasing/ shopping, depositing money into individual or third party bank account, and withdrawing money from ATM machine.

[0041] The information related to a plurality of unique universal virtual account number associated with each individual country and credit amount associated with the plurality of the unique universal virtual account are stored in the Ummoney Center (Universal Mobile Money Center) of the designated individual country. The Ummoney center intermediates among plurality of mobile phone subscribers/ users, various mobile phone operators and banks in each of the individual country and other Ummoney centers in other individual countries in the world. The bank in which universal accounts are opened are termed as Main Bank (MB). The MB connects with plurality of the banks for depositing and withdrawing money from the unique universal virtual account. Furthermore, due to the connection of the MB with plurality of banks one or more mobile phone subscribers/ users can transfer money from unique universal virtual account to any other bank account.

[0042] FIG. 1 illustrates block diagram of a mobile phone 101 connected to a transaction unit 103 through a Mobile phone Contactless Reader (MCR) 102 for online mobile phone transactions according to an embodiment of the present disclosure. With respect to FIG. 1, the MCR 102 performs online transaction between the mobile phone and the transaction unit based on reception of a unique mobile subscriber identification number. . The unique mobile subscriber identification number is associated with SIM card of the mobile phone 101 of user. The unique mobile subscriber identification number includes one of an IMSI (International Mobile Subscriber Identity) number, a TMSI (Temporary Mobile Subscriber Identity) number, an IMEI (International Mobile Equipment Identity) number and a MSISDN (Mobile Subscriber Integrated Services Digital Network) number. Examples of the transaction unit 103 includes, but are not limited to a bank, an ATM, Bus ticket or an Taxi fare reader, a metro system, a Point of sale (POS) and Time and Attendance system. The transaction unit is in turn connected to one of a bank account database or a Universal Mobile Money (Ummoney) database for online mobile transactions. The bank account database or the Ummoney centre intermediates with subscriber of the mobile phone for successful mobile phone transactions.

[0043] The MCR according to the embodiments herein is employed in various application areas such as accessing various control devices, house and garage door opener, various remote controllers associated with alarm systems, vending machines, part meters, play cities, vending machines, taxi fare reader, mobile banking, mobile payment, cinema readers and the like.

[0044] FIG. 2 illustrates various elements of a Mobile phone Contactless Reader (MCR) and the MCR connected to a transaction unit according to an embodiment of the present disclosure. With respect to the FIG. 2, the MCR 102 includes a Central Processing Unit (CPU) 201, a receiving unit 202 to continuously scan communication waves on a Broadcast Control Channel (BCCH). The communication waves are broadcasted by a Base Transceiver Station (BTS). The MCR also includes a memory unit 203 for storing and updating the continuously scanned communication waves. A frequency meter 204 is provided in the MCR for counting the scanned communication waves. Further the frequency meter measures frequency of the scanned proximal communication wave. The proximal communication wave is associated with a mobile station. The frequency meter is stimulated based on scanning of the proximal communication wave and the measured frequency of the proximal communication wave is communicated to the CPU 201. Further the MCR includes a transmitting unit 205 for transmitting one of a unique mobile subscriber identification number to a transaction unit during online mobile phone transactions. Upon request by the MCR 102, the mobile station announces the unique mobile subscriber identification number to the MCR. The announced unique mobile subscriber identification number is transferred to one of a bank account or a Universal Mobile Money (Ummoney) database through the transaction unit for online mobile transactions.

[0045] The frequency meter 204 is provided with logic circuit for counting the scanned communication waves and measuring frequency of the scanned proximal communication wave. According to one embodiment of the present disclosure herein, the unique mobile subscriber identification number includes one of an IMSI (International Mobile Subscriber Identity) number, a TMSI (Temporary Mobile Subscriber Identity) number, an IMEI (International Mobile Equipment Identity) number and a MSISDN (Mobile Subscriber Integrated Services Digital Network) number. The unique mobile subscriber identification number is associated with Subscriber Identity Module (SIM) card of the mobile phone. The transaction unit 103 is associated with a payment service provider. The receiving unit 202 further consists of a Radio Frequency unit (RF) 206a a Demodulator 207 and a Decoder 208. The transmitting unit 205 further consists of a Radio Frequency unit 206b a Modulator 209 and a Coder 210. A mobile phone 101 (as shown in FIG. l) is associated with the mobile station and upon pressing and dialing one of a key on the mobile phone the mobile station communicates with an associated BTS on a Random Access Channel (RACH) for further communication with the MCR. Prior to dialing one of the key, the mobile phone is placed at a predefined distance towards the MCR.

[0046] During online transactions the mobile station requests the MCR through a Random Access Channel (RACH) for allocating a specific channel (For example the mobile station reports to the MCR saying I am number five and allocate me one SDCCH) in order to send the unique mobile subscriber identification number to the MCR. Upon request by the mobile station, the frequency meter sends frequency information, timing information and intensity information of the RACH to the CPU of the MCR. Upon receiving the frequency information, the timing information and the intensity information of the RACH by the CPU, the CPU adjusts frequency of the receiving unit in order to receive the request from the RACH. The MCR allocates a Stand Alone Dedicated Control Channel (SDCCH) (For example the MCR reports to the mobile station saying number five go to SDCCH channel) to the mobile station based upon the request by the mobile station to receive the unique mobile subscriber identification number. The CPU allocates the SDCCH to the mobile station based on the continuously scanned communication wave information stored in the memory unit. The receiving unit reads the unique mobile subscriber identification number announced by the mobile station.

[0047] The MCR directs the mobile station to disconnect communication with the MCR, upon receiving the unique mobile subscriber identification number from the mobile station. The CPU is in coordination with the transmitting unit to transmit the unique mobile subscriber identification number to the transaction unit. The CPU is in coordination with the receiving unit, the transmitting unit, the frequency meter and the CPU exchanges information in accordance with communication protocol among the receiving unit, the transmitting unit, the frequency meter and the memory unit. In various embodiments herein, the MCR is one of a Mobile Phone Contactless IMSI (International Mobile Subscriber Identity) Reader (MCIR), a Mobile Phone Contactless TMSI (Temporary Mobile Subscriber Identity) Reader (MCTR), a Mobile Phone Contactless IMEI (International Mobile Equipment Identity) Reader (MCIMR), and a Mobile Phone Contactless MSISDN (Mobile Subscriber ISDN (Integrated Services Digital Network) Number) Reader (MCISDNR).

[0048] FIG. 3 is an exemplary illustration of a mobile phone 101 in communication with a metro system 103 a through a Mobile phone Contactless Reader (MCR) 102 for online mobile phone transaction according to an embodiment of the present disclosure. With respect to FIG. 3, the mobile phone 101 is placed within 30cm towards the MCR during online transactions between the mobile phone 101 and the metro system 103a. . One of a key is pressed and dialed using the mobile phone in order to initiate communication between the mobile phone and the MCR. Further, following the dialing action, the MCR 102 receives a unique mobile subscriber identification number of the mobile phone. The unique mobile subscriber identification number includes one of an IMSI (International Mobile Subscriber Identity) number, a TMSI (Temporary Mobile Subscriber Identity) number, an IMEI (International Mobile Equipment Identity) number and a MSISDN (Mobile Subscriber Integrated Services Digital Network) number. The unique mobile subscriber identification number is associated with Subscriber Identity Module (SIM) card of the mobile phone.

[0049] The received unique mobile subscriber identification number is transferred to the metro system 103 a for opening the metro gate 303 using mobile phone transaction. The metro system which is in turn connected to a metro central system or a payment service provider 301 is associated with the metro system 103a. The metro system transfers the received unique mobile subscriber identification number to the metro central system or a payment service provider 301. The metro system transfers the received unique mobile subscriber identification number for mapping details stored in database 302 for mobile phone subscriber/ user authentication. Following with positive authentication of the mobile phone subscriber/ user, the metro system 103 a provides command to open the metro gate 303. Examples of the details with respect to which the positive authentication is carried out includes but are not limited to the IMSI number, personal details of the subscriber/ user of the mobile phone, profile details of the subscriber/user of the mobile phone, SIM card number of the subscriber/ user of the mobile phone, bank account details of the subscriber/ user of the mobile phone, and Ummoney account details of the subscriber/ user of the mobile phone.

[0050] Fig. 4 is an exemplary illustration of a mobile phone 101 in communication with a Bank Point of sale (POS) system 103b through a Mobile phone Contactless Reader (MCR) 102 for online mobile phone transaction according to an embodiment of the present disclosure. With respect to FIG. 4, during online transaction between the mobile phone 101 and the Bank POS 103b, the mobile phone 101 is placed within 30cm towards the MCR. One of a key is pressed and dialed using the mobile phone in order to initiate communication between the mobile phone and the MCR. Further, following the dialing action, the MCR 102 receives a unique mobile subscriber identification number associated with the mobile phone 101. The unique mobile subscriber identification number includes one of an IMSI (International Mobile Subscriber Identity) number, a TMSI (Temporary Mobile Subscriber Identity) number, an IMEI (International Mobile Equipment Identity) number and a MSISDN (Mobile Subscriber Integrated Services Digital Network) number. The unique mobile subscriber identification number is associated with Subscriber Identity Module (SIM) card of the mobile phone.

[0051] The received unique mobile subscriber identification number is transferred to the Bank POS 103b for online bank payments using mobile phone transaction. The metro system which is in turn connected to a Bank or a payment service provider 401 is associated with the Bank POS 103b. The Bank POS 103b transfers the received unique mobile subscriber identification number to a Bank or a payment service provider 401. The Bank POS 103b transfers the received unique mobile subscriber identification number for mapping details stored in database 302a for mobile phone subscriber/ user authentication. Following with positive authentication of the mobile phone subscriber/ user and successful payment by the bank or the payment service provider 401 a payment status is displayed on the MCR 102. Also the payment status print is provided at the end of the Bank POS 103b to the mobile phone subscriber/ user. Examples of the details with respect to which the positive authentication is carried out includes but are not limited to the IMSI number, personal details of the subscriber/ user of the mobile phone, profile details of the subscriber/user of the mobile phone, SIM card number of the subscriber/ user of the mobile phone, bank account details of the subscriber/ user of the mobile phone, and Ummoney account details of the subscriber/ user of the mobile phone.

[0052] FIG. 5 is an exemplary illustration of a mobile phone 101 in communication with one of a Bus ticket or a Taxi fare reader 103 c through a Mobile phone Contactless Reader (MCR) 102 for online mobile phone transaction according to an embodiment of the present disclosure. With respect to FIG. 5, during online transaction between the mobile phone 101 and the Bus ticket/ taxi fare reader 103 c the mobile phone 101 is placed within 30cm towards the MCR 102. One of a key is pressed and dialed using the mobile phone in order to initiate communication between the mobile phone 101 and the MCR 102. Further, following the dialing action, the MCR 102 receives a unique mobile subscriber identification number associated with the mobile phone 101. The unique mobile subscriber identification number includes one of an IMSI (International Mobile Subscriber Identity) number, a TMSI (Temporary Mobile Subscriber Identity) number, an IMEI (International Mobile Equipment Identity) number and a MSISDN (Mobile Subscriber Integrated Services Digital Network) number. The unique mobile subscriber identification number is associated with Subscriber Identity Module (SIM) card of the mobile phone 101.

[0053] The received unique mobile subscriber identification number is transferred to Bus ticket/ taxi fare reader 103 c for online payment of the bus fare or the taxi fare using mobile phone transaction. Bus ticket/ taxi fare reader 103 c which is in turn connected to a Bank or a payment service provider 501 is associated with the Bus ticket/ taxi fare reader 103c. The Bus ticket/ taxi fare reader 103c transfers the received unique mobile subscriber identification number to a Bank or a payment service provider 501. The Bus ticket/ taxi fare reader 103c transfers the received unique mobile subscriber identification number for mapping details stored in database 302b for mobile phone subscriber/ user authentication. Following with positive authentication of the mobile phone subscriber/ user and successful payment by the bank or the payment service provider 501 a payment status is displayed on the MCR 102. Also the payment status print is provided at the end of the Bus ticket/ taxi fare reader 103c to the mobile phone subscriber/ user. Examples of the details with respect to which the positive authentication is carried out includes but are not limited to the IMSI number, personal details of the subscriber/ user of the mobile phone, profile details of the subscriber/user of the mobile phone, SIM card number of the subscriber/ user of the mobile phone, bank account details of the subscriber/ user of the mobile phone, and Ummoney account details of the subscriber/ user of the mobile phone.

[0054] FIG. 6 is an exemplary illustration of a mobile phone 101 in communication with Bank ATM 103d through a Mobile phone Contactless Reader (MCR) 102 for online mobile phone transaction according to an embodiment of the present disclosure. With respect to FIG. 6 during online transaction between the mobile phone 101 and the Bank ATM 103c the mobile phone 101 is placed within 30cm towards the MCR 102. One of a key is pressed and dialed using the mobile phone in order to initiate communication between the mobile phone 101 and the MCR 102. Further, following the dialing action, the MCR 102 receives a unique mobile subscriber identification number associated with the mobile phone 101. The unique mobile subscriber identification number includes one of an IMSI (International Mobile Subscriber Identity) number, a TMSI (Temporary Mobile Subscriber Identity) number, an IMEI (International Mobile Equipment Identity) number and a MSISDN (Mobile Subscriber Integrated Services Digital Network) number. The unique mobile subscriber identification number is associated with Subscriber Identity Module (SIM) card of the mobile phone 101. [0055] The received unique mobile subscriber identification number is transferred to Bank ATM 103d for withdrawing cash from the Bank ATM 103d using mobile phone transaction. Bank ATM 103d which is in turn connected to a Bank or a payment service provider 601 is associated with the Bank ATM 103d. The Bank ATM 103 d transfers the received unique mobile subscriber identification number to a Bank or a payment service provider 601. The Bank ATM 103 d transfers the received unique mobile subscriber identification number for mapping details stored in database 302c for mobile phone subscriber/ user authentication. Following with positive authentication of the mobile phone subscriber/ user and successful payment by the bank or the payment service provider 601 the cash is accepted by the subscriber/ user of the mobile phone 101. Also the cash withdrawn by the subscriber/ user is displayed on the display unit of the MCR 102. Examples of the details with respect to which the positive authentication is carried out includes but are not limited to the IMSI number, personal details of the subscriber/ user of the mobile phone, profile details of the subscriber/user of the mobile phone, SIM card number of the subscriber/ user of the mobile phone, bank account details of the subscriber/ user of the mobile phone, and Ummoney account details of the subscriber/ user of the mobile phone.

[0056] The foregoing description of the specific embodiments will so fully reveal the general nature of the embodiments herein that others can, by applying current knowledge, readily modify and/or adapt for various applications such specific embodiments without departing from the generic concept, and, therefore, such adaptations and modifications should and are intended to be comprehended within the meaning and range of equivalents of the disclosed embodiments. It is to be understood that the phraseology or terminology employed herein is for the purpose of description and not of limitation. Therefore, while the embodiments herein have been described in terms of preferred embodiments, those skilled in the art will recognize that the embodiments herein can be practiced with modification within the spirit and scope of the appended claims.

[0057] Although the embodiments herein are described with various specific embodiments, it will be obvious for a person skilled in the art to practice the invention with modifications. However, all such modifications are deemed to be within the scope of the claims.

[0058] It is also to be understood that the following claims are intended to cover all of the generic and specific features of the embodiments described herein and all the statements of the scope of the embodiments which as a matter of language might be said to fall there between.

Claims

CLAIMS What is claimed is:

1. A Mobile phone Contactless Reader (MCR) , the MCR comprising:

a Central Processing Unit (CPU);

a receiving unit to scan communication waves on a Broadcast Control Channel (BCCH) broadcasted by a Base Transceiver Station (BTS);

a memory unit to store and update the continuously scanned communication waves; a frequency meter to count the scanned communication waves and measure frequency of proximal communication wave, wherein the proximal communication wave is associated with a mobile station; and

a transmitting unit for transmitting one of a unique mobile subscriber identification number to a transaction unit;

Wherein the mobile station provides the unique mobile subscriber identification number to the MCR where the unique mobile subscriber identification number is transferred to one of a bank account and a Universal Mobile Money (Ummoney) database through the transaction unit for online mobile transactions.

2. The MCR of claim 1, wherein the frequency meter is adapted to communicate the measured frequency to the CPU on receiving stimulation from the scanned proximal communication wave.

3. The MCR of claim 1, wherein the unique mobile subscriber identification number comprises at least one of an IMSI (International Mobile Subscriber Identity) number, a TMSI (Temporary Mobile Subscriber Identity) number, an IMEI (International Mobile Equipment Identity) number and a MSISDN (Mobile Subscriber Integrated Services Digital Network) number.

4. The MCR of claim 1, wherein the frequency meter includes a logic circuit to count the scanned communication waves and measure frequency of the proximal communication wave.

5. The MCR of claim 1, wherein the transaction unit is associated with a payment service provider.

6. The MCR of claim 1, wherein a mobile phone is associated with the mobile station is adapted to communicate with an associated BTS on a Random Access Channel (RACH) for communication with the MCR.

7. The MCR of claim 6, wherein the mobile phone is placed at a predefined distance towards the MCR before activating the mobile phone.

8. The MCR of claim 1, wherein the unique mobile subscriber identification number is associated with Subscriber Identity Module (SIM) card of the mobile phone.

9. The MCR of claim 1, wherein the mobile station requests the MCR through a

Random Access Channel (RACH) for allocating a channel to transmit the unique mobile subscriber identification number to the MCR.

10. The MCR of claim 9, wherein the frequency meter is adapted to send frequency information, timing information and intensity information of the RACH to the CPU upon request by the mobile station.

11. The MCR of claim 10, wherein the CPU adjusts frequency of the receiving unit to receive the request from the RACH upon receiving the frequency information, the timing information and the intensity information of the RACH by the CPU,.

12. The MCR of claim 11, wherein the MCR allocates a Stand Alone Dedicated Control Channel (SDCCH) to the mobile station based upon the request by the mobile station in order to receive the unique mobile subscriber identification number.

13. The MCR of claim 12, wherein the CPU allocates the SDCCH to the mobile station based on the continuously scanned communication wave information stored in the memory unit.

14. The MCR of claim 1, wherein the receiving unit further comprising:

a Radio Frequency unit (RF);

a Demodulator; and

a Decoder.

15. The MCR of claim 1, wherein the transmitting unit further comprising:

a Radio Frequency unit (RF);

a Modulator; and

a Coder.

16. The MCR of claim 1, the MCR directs the mobile station to disconnect communication with the MCR, upon receiving the unique mobile subscriber identification number from the mobile station.

17. The MCR of claim 1, wherein the CPU is in coordination with the receiving unit, the transmitting unit, the frequency meter and the CPU exchanges information in accordance with communication protocol among the receiving unit, the transmitting unit, the frequency meter and the memory unit during online mobile transaction.

18. The MCR of claim 1, wherein the CPU is in coordination with the transmitting unit to transmit the unique mobile subscriber identification number to the transaction unit.

19. The MCR of claim 1, wherein the MCR is one of

a Mobile Phone Contactless IMSI (International Mobile Subscriber Identity) Reader (MCIR),

a Mobile Phone Contactless TMSI (Temporary Mobile Subscriber Identity) Reader (MCTR),

a Mobile Phone Contactless IMEI (International Mobile Equipment Identity) Reader (MCIMR), and

a Mobile Phone Contactless MSISDN (Mobile Subscriber ISDN (Integrated Services Digital Network) Number) Reader (MCISDNR).

20. A method for providing electronic transaction using mobile phones, the method comprises a steps of:

dialing a Payment Service Provider (PSP) server number by a first mobile phone user and a second mobile phone user, wherein a first mobile phone is associated with the first mobile phone user and a second mobile phone is associated with the second mobile user;

arranging the first mobile phone and the second mobile phone in a head-to-tail manner, wherein a microphone of the first mobile phone is placed in front of a speaker of the second mobile phone and viceversa;

broadcasting a sound signal data by the PSP server to the first mobile phone and the second mobile phone;

receiving a sound signal data by one of microphones of the first mobile phone and the second mobile phone; and

transmitting the received sound signal data back to the PSP server through one of the microphones of the first mobile phone and the second mobile phone;

decoding the received sound signal data by the PSP server;

identifying a mobile phone number of the first mobile phone and the second mobile phone by the PSP server;

cutting the sound signal data by the PSP server; and

activating the IVR system; wherein the first mobile phone user enters one of a data and an amount to be transferred to the second mobile phone user along with a password in the first mobile phone through an Interactive Voice Response (IVR) system for an online electronic transaction between the first mobile phone user and the second mobile phone user.

21. The method of claim 20, wherein the PSP server is an Ummoney centre server.

22. The method of claim 20, wherein the step of dialing comprises connecting the first mobile phone and the second mobile phone to the PSP server.

23. The method of claim 20, wherein the step of transmitting further comprises:

sending a first sound signal data to the first mobile phone, wherein the first sound signal data is received by microphone of the first mobile phone; and

sending a second sound signal data to the second mobile phone; wherein the second sound signal data is received by microphone of the second mobile phone.

24. The method of claim 20, wherein the step of transmitting the received sound signal further comprises:

transmitting the received first sound signal data from a speaker of the first mobile phone to a microphone of the second mobile phone;

receiving the transmitted first sound signal data by the PSP server;

transmitting the received second sound signal data from a speaker of the second mobile phone to a microphone of the first mobile phone; and

receiving the transmitted second sound signal data by the PSP server.

25. The method of claim 20, wherein activating the IVR system comprises:

reporting one of a successful transaction and an unsuccessful transaction to the first mobile phone and the second mobile phone; and

terminating connection of the first mobile phone and the second mobile phone with the PSP server.

26. The method of claim 20, wherein broadcasting the sound signal data comprising: authenticating the MSISDN number of the first mobile phone and the second mobile phone; and

activating the IVR system on the first mobile phone and the second mobile phone.

27. The method of claim 20, wherein the first sound signal data comprising MSISDN number of the first mobile phone and the PSP server details in an encrypted form.

28. The method of claim 20, wherein the second sound signal data comprising MSISDN number of the second mobile phone and the PSP server details in an encrypted form.

29. The method of claim 20, wherein the electronic transaction is performed for at least one of a data transfer and financial transaction.

30. A method for providing an electronic transaction on a Near-Sound Communication Point-of- Sale (NSC POS) device, the method comprises:

dialling a central server number by a payer through a registered cell phone of the payer;

arranging the cell phone in the vicinity of the NSC POS device, wherein the cell phone is arranged such that a speaker of the cell phone is placed in front of a microphone of the NSC POS device and the speaker of the NSC POS device is placed in front of the microphone of the cell phone;

broadcasting a sound signal by the central server through the speaker of the cell phone to the NSC POS device;

receiving the sound signal by the microphone of the NSC POS device;

transmitting the received sound signal back to the central server in an encrypted form through the microphone of the cell phone;

decoding the received sound signal by the central server;

wherein the central server transfers the required amount from a virtual account of the payers cell phone to a virtual account associated with the NSC POS device based on an information provided in the received sound signal.

31. The method of claim 30, further comprises:

reporting a transaction to the NSC POS device and wherein the transaction is selected from a group of transactions comprising of a successful transaction and an unsuccessful transaction; and

terminating a connection of the NSC POS device with the central server.

32. The method of claim 31, wherein the central server reports a transaction through the loudspeaker in the cell phone of the payer to the microphone of the NSC POS device by means of tone sound signals in an encrypted manner and wherein the transaction is selected from a group of transactions comprising of a successful transaction and an unsuccessful transaction.

33. The method of claim 30, wherein the central server is a server selected from a group comprising of a PSP server and an Ummoney centre server.

34. The method of claim 30, wherein the cell phone of the payer is adapted to function as a modem for connecting the NSC POS device with the central server for an electronic transaction.

The method of claim 30 further comprises indicating a status of the electronic transaction by the NSC POS device after decoding the received data.

36. The method of claim 35, wherein the status of the electronic transaction is indicated by displaying a message and wherein the status of the electronic transaction is indicated through a sound message and wherein the status of the electronic transaction is indicated through a hard copy print out.

37. The method of claim 30, wherein broadcasting the sound signal from the central server comprises:

authenticating a MSISDN number of the cell phone; and

activating an IVR system on the central server.

38. The method of claim 1, wherein the sound signal broadcast from the central server comprises the MSISDN number of the cell phone and a private key associated with the central server in an encrypted form.

39. The method of claim 30, wherein the sound signal data transmitted from the NSC POS device includes a unique ID number and a unique Private Key allotted to the NSC_POS device.

40. The method of claim 30, wherein the sound signals are encrypted using a Pair Key encryption technology.

41. The method of claim 30, wherein the electronic transaction is a data transfer process and wherein the electronic transaction is a financial transaction.

42. The method of claim 30, further comprises a process of providing an electronic transaction of a large amount of money from a mobile money account of the payer by an NSC POS device user through an IVR system and wherein the process of providing the electronic transaction of the large amount of money from the mobile money account of the payer by an NSC POS device comprises:

calling a PSP IVR server by a user of the NSC POS device through a cell phone associated with the user of the NSC_POS device;

providing a destination account number, an amount and a password based on an instruction received from the IVR system through the cell phone;

asking for a digital signature of the user of the NSC POS device by the PSP IVR server;

inserting the digital signature of the user on the NSC_POS device using a key pad in the NSC POS device and

placing the cell phone near the NSC POS device and wherein the cell phone is placed near the NSC POS device in such a manner that a speaker of the cell phone is placed in front of a microphone of the NSC POS device and the speaker of the NSC POS device is placed in front of the microphone of the cell phone; sending a tone sound signal including a random number to the NSC POS device by the PSP IVR server;

receiving the tone sound signal by the NSC_POS device; signing the received tone sound signal data with the digital signature and transmitting back the tone sound signal data to the PSP IVR server;

authenticating the digital signature by the PSP IVR server; and

performing the electronic transaction for transferring the fund.

43. The method of claim 42, wherein the digital signature comprises the private key of the NSC POS device and the public key of the PSP IVR server.

44. The method of claim 30 further comprises a process of providing an NSC OTP device for performing an electronic transaction from a mobile money account by a merchant through an IVR system.

45. The method of claim 44, wherein performing the electronic transaction through an NSC OTP device comprises:

Calling the PSP IVR server by an NSC OTP device user;

inserting a destination account number, an amount and a password on the cell phone of the user of the NSC OTP device based on the instruction received from the IVR system;

asking for One-Time-Password (OTP) in case of a large fund transfer by the PSP IVR server;

inserting a password on the NSC OTP device using a keypad on the NSC OTP device by the user;

placing the cell phone in the vicinity of the NSC OTP device , wherein the cell phone is placed in a such a way that the speaker of the NSC OTP device is arranged in front of the microphone on the cell phone;

sending the One-Time-Password to the PSP IVR server as a sound signal;

verifying the One-Time-Password and performing the transaction by the PSP IVR server.

46. The method of claim 30, wherein the sound signal data is transmitted is a modem voice and wherein the sound signal data is transmitted a Dual Tone Multi Frequency (DTMF) signal.

A Near Sound Communication Point-of-Sale (NSC POS) device comprising: a speaker for emitting a tone sound signal and wherein the tone sound signal includes a data to be transferred;

a microphone for receiving the tone sound signal and wherein the tone sound signal includes a data;

a central processing unit for processing the data and connecting with a plurality of peripheral devices;

a memory for storing a device information and a server details;

a communication port for sending a mobile ID to an identification device and wherein the identification device includes an access controller, a time and attendance system, CPU and a memory programming device;

a sound booster and interpreter for interpreting analog sound signal; and a sound generator and booster for generating and boosting sound signal.

48. The NSC POS device of claim 47 further comprises a keypad for setting and entering a password or a digital signature.

49. The NSC POS device of claim 48 further comprises:

a screen for displaying messages;

a light array for reporting messages with light signals;

a gate open relay; and

a slip printer for printing a result of an electronic transaction.