US2021081927A1PendingUtilityA1

Apparatus and method for commercial transactions using a communication device

Assignee: 4361423 CANADA INCPriority: Feb 10, 2009Filed: Nov 24, 2020Published: Mar 18, 2021

Est. expiryFeb 10, 2029(~2.6 yrs left)· nominal 20-yr term from priority

Inventors:Tai Kwan Jimmy Tang Chi Wah Lo Kenneth G. Mages

G06Q 20/326G06Q 20/353G06Q 20/327G06Q 2220/00G06Q 20/409G06Q 20/085G06Q 20/322G06Q 20/3272G06Q 20/425G06K 7/0004G06Q 20/3278G06Q 20/341H04L 63/0428G06K 7/082G06Q 20/325G06Q 20/352G06K 7/01H05K 999/99G06Q 20/32

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References

Claims

Abstract

An apparatus for effecting a commercial transaction with a remote transaction server using a payment device via a communication device is provided. The apparatus includes a transaction device coupled with the communication device for capturing information stored on said payment device and a controller for converting the captured information into encrypted information and for transmitting the encrypted information to the communication device. The communication device delivers the encrypted information to the remote transaction server for processing the commercial transaction.

Claims

exact text as granted — not AI-modified

1 - 16 . (canceled) 
     
     
         17 . A portable apparatus comprising:
 a reader configured to capture information from a transaction card; and   a controller configured to convert the captured card information into an analog audio signal and communicate the analog audio signal over a communication link to an audio jack of a mobile phone.

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