Abstract:
A wireless mobile device is adapted to access a wireless network and includes a subscriber identification module (SIM) card slot and a contactless smart card module electrically connected to the SIM card slot and thereby to the wireless mobile phone. The contactless smart card module is adapted to receive and read information stored in the contactless smart card and transmit this information to an entity through the wireless mobile device and the wireless network. The wireless mobile device of this invention is used to conduct financial transactions using the contactless smart card. The financial transactions include face-to-face or remote purchases, payment with electronic cash stored in the contactless smart card, or payment with the contactless smart card through a financial institution, and downloading and storing of digital goods or services in the contactless smart card.

Description:
CROSS REFERENCE TO RELATED CO-PENDING APPLICATIONS  
       [0001]    This application claims the benefit of U.S. provisional application Serial No. 60/399,686 filed on Jul. 30, 2002 and entitled MOBILE DEVICE EQUIPPED WITH A CONTACTLESS SMART CARD READER which is commonly assigned and the contents of which are expressly incorporated herein by reference. 
     
    
     
       FIELD OF THE INVENTION  
         [0002]    The present invention relates to mobile devices, and more particularly to a mobile device that is equipped with a contactless smart card reader/writer for conducting financial transactions with a contactless smart card.  
         BACKGROUND OF THE INVENTION  
         [0003]    The use of contactless smart cards, as defined in prior art U.S. Pat. No. 4,480,178, has experienced rapid growth particularly in the use of transit systems such as MiFare™ (developed by Phillips Semiconductors) and Octopus Cards (developed by Sony). These types of smart cards create a secure environment for storing monetary value while the contactless feature is fast and convenient for users who only need to bring the card in close proximity to a card reader. These types of contactless cards do not require a Personal Identification Number (PIN) and are therefore suited for high-volume, low-value transactions. Users of the card can load value onto the card by using an Automated Teller Machine (ATM) or a kiosk to transfer money from a checking account, savings account, a credit card account or by inserting cash into the ATM. The user puts their ATM card or cash into the machine and positions a contactless card near the contactless reader/writer to complete the transfer of money. These ATMs are typically located at the entrance to the transit station where the customers purchase transit tokens. The popularity of contactless cards for transit has grown so that other vendors in area surrounding the transit system also accept the contactless card for payment for purchases such as parking, fast food, convenience stores and vending machines. Many merchants are installing contactless smart card reader/writers in their stores to provide the ability to accept contactless smart cards as a form of payment. Because contactless smart card readers are required to load value onto a card and take value off of a card, the amount of readers in the marketplace is a key factor in determining the amount of usage of the contactless smart card.  
           [0004]    The idea of adding a contactless reader/writer to a mobile phone is established in PCT WO 01/86599 A2, entitled “Smart Card Communications”. However, this prior art application specifies that the connection between the contactless reader/writer and the mobile phone is through “an interface connector such as those used for connecting to a regular data modem”. These type of interface connectors need to be customized for each type of mobile phone and the specific network that is connected to. Accordingly, there is a need for a universal connector that can be used in all types of mobile phones and all networks.  
           [0005]    The general concept of a universal connector that can connect to any type of mobile phone and network is described in PCT patent application No. WO 99/66752, entitled “Communication Method and Apparatus Improvements”, the entire content of which is incorporated herein by reference. Referring to FIG. 2, this universal connector  200  connects to the mobile phone&#39;s existing Subscriber Identification module (SIM) slot  204  and utilizes a Central Processor Unit (CPU)  202  to coordinate the activities of multiple SIM cards  152 ,  156  and a full-size external smart card  153 . This universal connector may be implemented as an attachment to a mobile phone or may be embedded in the mobile phone. Although this implementation includes several SIM cards and a card reader for regular contact type smart cards, it does not include a contactless smart card reader/writer. Accordingly, there is still a need for a universal contactless smart card reader/writer that can be attached to any phone and any network.  
         SUMMARY OF THE INVENTION  
         [0006]    In general, in one aspect the invention features a wireless mobile device adapted to access a wireless network. The wireless mobile device includes a subscriber identification module (SIM) card slot and a contactless smart card module electrically connected to the SIM card slot and thereby to the wireless mobile phone. The contactless smart card module is adapted to receive and read information stored in a contactless smart card and transmit this information to an entity via the wireless mobile device and the wireless network.  
           [0007]    Implementations of this aspect of the invention may include one or more of the following features. The contactless smart card module is further adapted to receive information from the entity via the wireless network and transmit and write this information in the contactless smart card. The information may include cardholder identification information, card identification information, authentication information, smart card issuer information, financial institution information, digital goods, digital services, or digital currency. The digital goods include electronic cash, electronic coupons, electronic gift certificates, electronic transit tokens, music, software, movies, and books. The wireless mobile device may further include a memory; a SIM card connected to the SIM card slot and authenticating the wireless mobile device to the wireless network, a Central Processing Unit (CPU) and a first application program associated with the memory and the CPU and being adapted to receive and transmit instructions from the contactless smart card module to the wireless mobile phone and the reverse. The wireless mobile device may further include a second application program associated with the memory and the CPU and being adapted to route and transmit data and information among the wireless mobile phone, the smart card module, and other interfaces connected to the CPU. These other interfaces may be smart card interfaces, infrared transceiver interfaces, serial communication interfaces, or magnetic stripe reader interfaces. The first and second application programs may be stored in the CPU, the SIM card, an external SIM card, the contactless smart card, or an external card. The wireless mobile device may also include an antenna for receiving and transmitting messages to and from the contactless smart card. The wireless mobile device may be a mobile phone, a personal digital assistant, a pager, a wireless laptop computer, a personal computer, a television remote control, and combinations thereof. The wireless network may be a wireless wide area network (WWAN), a wireless local area network (WLAN), a private network, or a personal area network (PAN). The wireless wide area network (WWAN) may be a Global System for Mobile Communications (GSM), a Code Division Multiple Access (CDMA), CDMA  2000 , or wideband CDMA (WCDMA). The wireless mobile device may be used for making financial transactions between a user and an entity with the contactless smart card over the network. The financial transactions between the user and the entity may be face-to-face or remote.  
           [0008]    In general, in another aspect the invention features an electronic communication method including purchasing a good or a service from a merchant, and paying with a contactless smart card via a wireless mobile device. The wireless mobile device is adapted to access a wireless network and includes a subscriber identification module (SIM) card slot and a contactless smart card module electrically connected to the SIM card slot and thereby to the wireless mobile device. The contactless smart card module is adapted to receive and read information stored in the contactless smart card and transmit the information to an entity via wireless mobile device and the wireless network.  
           [0009]    Implementations of this aspect of the invention may include one or more of the following features. The electronic communication method may further include receiving the good or service electronically, storing it in the contactless card, retrieving the good or service from the contactless card and redeeming it.  
           [0010]    In general, in another aspect the invention features an electronic payment method utilized by a customer to pay a merchant with electronic cash stored in a contactless smart card for a face-to-face purchase of a good or service. The method includes placing an order by the customer for the purchase of the good or service to the merchant and providing a wireless mobile device wherein the mobile device is adapted to access a wireless network and comprises a subscriber identification module (SIM) card slot and a contactless smart card module electrically connected to the SIM card slot and wherein the contactless smart card module is adapted to receive and read information stored in the contactless smart card and transmit the information via the wireless network. Next, entering information of the purchase in the wireless mobile phone, positioning the contactless smart card in close proximity to the wireless mobile device and retrieving smart card identification information and authorizing withdrawal of an electronic cash amount for payment for the good or service from the smart card. Next, sending the purchase information, the smart card identification information and the electronic cash amount to an authentication server via the wireless network, and authenticating and sending the purchase information and the electronic cash amount by the authentication server to a business account of the merchant held in a financial institution. Next, registering the purchase information and depositing the electronic cash amount to the merchant&#39;s business account and sending confirmation by the financial institution to the authentication server. Finally, forwarding the confirmation to the wireless mobile phone and fulfilling the order to the customer by the merchant.  
           [0011]    In general, in yet another aspect the invention features an electronic payment method utilized by a customer to pay a merchant with a contactless smart card for a face-to-face purchase of a good or service. The method includes placing an order by the customer for the purchase of the good or service to the merchant and providing a wireless mobile device wherein the wireless mobile device is adapted to access a wireless network and comprises a subscriber identification module (SIM) card slot and a contactless smart card module electrically connected to the SIM card slot and wherein the contactless smart card module is adapted to receive and read information stored in the contactless smart card and transmit the information via the wireless network. Next, entering information of the purchase in the wireless mobile phone, positioning the contactless smart card in close proximity to the wireless mobile device, and retrieving smart card identification information from the contactless smart card and authorizing payment for the good or service. Next, formatting the purchase information, the smart card identification information and the payment authorization into a first message and sending the first message to an authentication server via the wireless network, and authenticating and sending the first message by the authentication server to a financial institution. Next, registering the purchase information and sending approval for the payment by the financial institution to the authentication server. Finally, forwarding the payment approval to the wireless mobile phone and fulfilling the order to the customer by the merchant.  
           [0012]    In general, in yet another aspect the invention features an electronic payment method utilized by a customer to pay a merchant with a contactless smart card for a remote purchase of a good or service. The method includes placing an order by the customer for the purchase of the good or service to a merchant server via a first network and choosing to pay via a wireless mobile device wherein the wireless mobile device is adapted to access a wireless network and comprises a subscriber identification module (SIM) card slot and a contactless smart card module electrically connected to the SIM card slot and wherein the contactless smart card module is adapted to receive and read information stored in the contactless smart card and transmit the information via the wireless network. Next, providing the merchant server with an identification information for the wireless mobile device and creating a digital order comprising purchase information and the identification number for the wireless mobile device by the merchant server. Next, routing the digital order to an authentication server via the first network, formatting the digital order into a first message wherein the first message is adapted to be transmitted over the wireless network and routing the first message over the wireless network to the wireless mobile device. Next, displaying the first message on the wireless mobile device, and requesting and receiving authorization of payment from the customer via the wireless mobile device. Next, positioning the contactless smart card in close proximity to the wireless mobile device, retrieving smart card identification and security information, and formatting authorization result and smart card identification and security information into a second message and routing the second message to the authentication server. Next, authenticating and routing the second message to a financial institution, wherein the financial institution is the issuer of the contactless smart card. Finally, approving and executing the payment at the financial institution, forwarding the payment approval to the authentication server and from the authentication server to the wireless mobile phone and fulfilling the order to the customer by the merchant.  
           [0013]    Implementations of this aspect of the invention may include one or more of the following features. The good or service may be a digital good or a digital service and the fulfilling includes downloading and storing the digital good or service in the contactless smart card. The digital good may be electronic cash, electronic coupons, electronic gift certificates, electronic transit tokens, music, software, movies, or books. The wireless mobile device may be a mobile phone, a personal digital assistant, a pager, a wireless laptop computer, a personal computer, a television remote control, or combinations thereof. The wireless network may be a wireless wide area network (WWAN), a wireless local area network (WLAN), a private network, or a personal area network (PAN). The wireless wide area network (WWAN) may be a Global System for Mobile Communications (GSM), a Code Division Multiple Access (CDMA), CDMA  2000 , or wideband CDMA (WCDMA). The first and second messages may be formatted in Short Message Service (SMS), General Packet Radio Service (GPRS), Transmission Control Protocol/Internet Protocol (TCP/IP), User Datagram Protocol (UDP), Simple Mail Transmission Protocol (SMTP), Simple Network Management Protocol (SNMP), or proprietary message formats.  
           [0014]    Among the advantages of this invention may be one or more of the following. Combining a contactless smart card reader with a wireless mobile device can dramatically increase the number of smart card reader points of sales (POS) in the marketplace. The increased number of POS offers convenience to consumers and more opportunities to merchants. Consumers with wireless mobile devices equipped with a smart card reader can load value to their contactless cards anytime and anywhere and may use their contactless smart cards for mobile commerce purchases with the mobile device such as ring tones, mobile airtime credits and other types of remote purchases. Merchants that do not have the ability to install a traditional contactless smart card reader/writer that requires power from an electrical outlet and integration with a cash register would also benefit from a mobile contactless reader/writer for many types of transactions. These merchants include taxi cabs, vending machines and “push cart” vendors. Additionally, a wireless mobile device equipped with a contactless smart card reader enables “peer-to-peer” transfer of money using contactless cards.  
           [0015]    The invention defined in this application specifies that the contactless smart card module connects to the wireless mobile device through the Subscriber Identification Module (SIM) circuitry on a GSM mobile phone. This configuration allows the contactless smart card module to function as any other type of smart card module as specified in the GSM 11.14 communication standards and enables any GSM phone that supports GSM 11.14 to utilize the contactless smart card module. The advantage to this standards-based design enables any application to access the contactless smart card module using GSM 11.14 commands (i.e. Power On Card, Read Card) without having to make modifications to the mobile device itself. Although a mobile device may have many external interface points (i.e. serial, USB, Bluetooth, Infrared), these communication protocols, while standard, are implemented differently for each mobile device, therefore connecting a contactless smart card reader to any other interface point on the mobile device would require a specific interface application developed for each mobile device. Most mobile devices do not allow applications to be installed or modified on the device once the device has been distributed to customers. The advantage of the present invention is that the contactless smart card module can be used to retrofit any mobile device that does not allow reprogramming with or without the permission or knowledge of the mobile device manufacturer or the mobile network operator.  
           [0016]    Another advantage of the present invention is the creation of many types of systems and methods for using contactless smart cards for purchasing and fulfillment of goods and services because of the network connectivity established by the connected mobile device. As was mentioned above, the present invention provides a POS system for mobile merchants (i.e. taxi cab drivers and fast food vendors) and allows them to accept contactless smart cards as a form of payment. The present invention also enables consumers to make remote purchases using contactless smart cards as a method of payment. Finally, the present invention provides consumers with the ability to purchase and download digital goods such as coupons, transit coupons and electronic cash (e-Cash) to a contactless smart card. 
       
    
    
     BRIEF DESCRIPTION OF THE DRAWINGS  
       [0017]    [0017]FIG. 1 illustrates a circuitry according to this invention for a contactless smart card reader/writer module that converts a Single-SIM GSM phone into a Dual-SIM/Dual-Slot GSM phone with a contactless smart card reader/writer;  
         [0018]    [0018]FIG. 2 illustrates a prior art circuitry for a mobile device attachment that converts a Single-SIM GSM phone into a Dual-SIM/Dual-Slot GSM phone with an external card reader;  
         [0019]    [0019]FIG. 3 illustrates a mobile phone with the contactless smart card reader/writer module of FIG. 1 and a contactless smart card;  
         [0020]    [0020]FIG. 4 is a schematic diagram of a payment system utilizing the mobile phone of FIG. 3 for a face-to-face purchase according to this invention;  
         [0021]    [0021]FIG. 5 is a schematic diagram of a payment system utilizing the mobile phone of FIG. 3 for remote purchases according to this invention;  
         [0022]    [0022]FIG. 6 is a flow diagram of the remote payment system of FIG. 4;  
         [0023]    [0023]FIG. 7 is a schematic diagram of a payment system for digital goods purchase and fulfillment using the mobile device of FIG. 3; and  
         [0024]    [0024]FIG. 8 is a flow diagram of the payment and digital goods fulfillment system of FIG. 7. 
     
    
     DETAILED DESCRIPTION OF THE INVENTION  
       [0025]    Referring to FIG. 1, a contactless smart card reader/writer module  500  is connected to a wireless mobile phone  550  through a Subscriber Identification Module/Universal Subscriber Identification Module (SIM/USIM) card slot  552 . The contactless smart card reader/writer module  500  includes a mobile phone interface adaptor ( 501 ) that connects to the Subscriber Identification Module/Universal Subscriber Identification Module (SIM/USIM) card slot circuitry  552  of the wireless mobile phone  550 . In one example, the mobile phone interface adaptor  501  is described in WO 99/66752 application and U.S. Pat. No. 6,292,561. The entire content of WO 99/66752 application and U.S. Pat. No. 6,292,561 is incorporated herein by reference. The contactless smart card reader/writer module  500  further includes a Micro Controller or Central Processing Unit (CPU)  502  that controls the mobile phone interface adaptor  501  and manages the routing of communications and controls between the mobile phone  550  and the contactless smart card reader/writer  504  as well as a plurality of smart cards. In addition to the contactless smart card reader/writer  504 , module  500  includes a memory (not shown), SIM card interfaces  507 ,  508 , adapted to receive SIM cards, and a smart card interface  509  that accepts regular contact-type smart cards. The CPU  502  receives commands from the mobile phone  550 , analyzes the commands and routes those commands to the appropriate interface. The contactless smart card reader/writer  504  is connected to an antenna  505  that is mounted externally to the module or is embedded into the module&#39;s Printed Circuit Board (PCB). In other embodiments the antenna  505  is connected directly to the mobile phone  550 . The contactless smart card reader/writer  504  receives activation commands and instructions via the CPU  502  from an application on any of the interfaces connected to the CPU  502 , including an application on the mobile device interface  501 , an application on the mobile phone  550 , an application on the SIM Interface  507 , an application on the SIM Interface  508 , an application on the smart card Interface  509  or an application on the CPU itself. Using the antenna  505 , module  500  receives and transmits information to and from a contactless smart card  506  using standard communication protocols as specified by ISO 14443 A/B and ISO 15693 standards using 13.56 MHz and 125 kHz frequencies. Module  500  is powered by a power supply  503  which may be either internal to the module or external.  
         [0026]    Referring to FIG. 3, for existing mobile phones, the module  500  is an attachment that connects to the existing SIM slot on the mobile phone  550 . The module  500  may also be embedded within the mobile device. In either case, the mobile phone  550  receives and transmits information to and from a contactless smart card  506  when the contactless card  506  is brought in close proximity to the mobile phone  550 .  
         [0027]    One embodiment of the present invention provides a contactless smart card payment system where the user of the mobile phone equipped with a contactless smart card reader is able to accept contactless smart cards as a form of payment for face-to-face purchases. Referring to FIG. 4, a payment transaction system  100  for a face-to-face purchase of a product or a service includes a customer  102  with a contactless smart card, a merchant with a mobile device  110  equipped with a contactless smart card reader, a payment server  106 , an authentication server  107 , and a financial institution  112 . The authentication server  107  receives and transmits messages in a short message service (SMS) format to the merchant&#39;s mobile phone  110  via an SMS carrier through a wireless Global System for Mobile Communication (GSM) network  90 . The mobile phone  110  receives and transmits information from and to a contactless smart card. After completing the purchase of a product or a service with the merchant, the customer  102  provides the merchant with the contactless smart card to pay for the purchase. The merchant activates a mobile payment application on the mobile device  110  and positions the contactless smart card in close proximity to the mobile device. The contactless smart card reader activates the application on the contactless smart card using wireless smart cards communication protocol  70 . Using the contactless reader on the mobile phone  110 , the payment application on the mobile device sends the appropriate commands to the smart card to deduct from the smart card the amount for the purchase. The mobile phone  110  encrypts the transaction information and sends a message to the authentication server  107  over the wireless GSM network  90 . The message includes the merchant vendor information, type of purchase and the amount due. The authentication server  107  validates the transaction information from the mobile device, decrypts the transaction information and routes the transaction information to the payment server  106  over communication network  80 . The payment server  106  connects to the merchant&#39;s financial institution  112  over communication network  80 . The financial institution  112  processes the payment, updates the merchant&#39;s account and sends a confirmation of the payment to the payment server  106 . The payment server  106  routes the payment confirmation to the authentication server  107 . The authentication server  107  encrypts and sends a message confirming the payment to the merchant&#39;s mobile device  110 . In one example, the authentication server  107  is described in a co-pending patent application entitled “System and method for payment transaction authentication”, the entire content of which is incorporated herein by reference.  
         [0028]    In another embodiment, the present invention provides a contactless smart card payment system for consumers making remote purchasing and payment transactions. Referring to FIG. 5 and FIG. 6, a payment transaction system  300  includes a customer  102 , a merchant server  104 , a payment server  106 , an authentication system  108 , and a financial institution  112 . The authentication system  108  includes an authentication server  107  that is adapted to send and receive messages in a short message service (SMS) format to a mobile phone  110  via an SMS carrier  109 . The mobile phone  110  is adapted to receive a contactless smart card (not shown). After having placed an order for an item or a service through a personal computer (PC) connected via the Internet  80  to the merchant server  104 , a customer  102  is asked to choose a payment method. The customer  102  chooses to pay via her mobile phone  110  and gives her mobile phone identification information to the merchant server  104  ( 114 ). In one example, the mobile phone identification information is the mobile phone number. The merchant server  104  routes the customer&#39;s mobile phone number and information about the purchase order to a payment server  106  ( 116 ). The payment server  106  contacts the authentication server  107  and routes the customer&#39;s mobile phone number and information about the purchase ( 118 ). The authentication server  107  sends an SMS message to the customer&#39;s mobile phone  110  through an SMS carrier  109  ( 120 ). The customer  102  receives the SMS message asking her to authorize the purchase and choose a payment card ( 122 ). The customer  102  authorizes the purchase, positions the contactless smart card in proximity to her mobile phone  110 , and enters a security code (if required) to pay and authenticate her purchase ( 124 ). In one example, the security code is a personal identification number (PIN). Other examples include a password, digital signature, and a biometric identifier, i.e., retina scan, fingerprint, DNA scan, voice characteristics. The payment card is identified with information that is embedded in the card. In one example the identification information is a payment card number. Other examples of payment card identification include an encrypted transaction signature that can only be decrypted by the financial institution that has issued the payment card, expiration date of the payment card, and a digital signature. In another example the payment card may contain an electronic purse (e-Purse) with stored value (i.e. e-Cash, e-Coupon, e-Ticket) contained within the smart card and the amount of the transaction is deducted from the e-Purse. The mobile phone  110  sends an SMS message via the SMS Carrier  109  to the authentication server  107 . The SMS message includes the authorization result (if required) and payment transaction information. The authentication server  107  routes the authorized purchase order and authenticated card information to the payment server  106  ( 128 ). If the transaction is not a stored value smart card transaction, the payment server  106  contacts the financial institution  112  that has issued the payment card and routes the payment card information and the purchase order information ( 130 ). If the transaction is a stored value transaction, the payment server  106  contacts the financial institution of the merchant and routes the payment transaction information. The financial institution  112  processes the payment transaction and sends a confirmation of the payment transaction to the payment server  106  ( 132 ). The payment server  106  routes the payment confirmation to the merchant server  104  ( 134 ) and to authentication server  107  ( 136 ). The authentication server  107  sends an SMS message confirming the payment transaction to the customer&#39;s mobile phone  110  ( 138 ). Finally the merchant  104  fulfills the customer&#39;s purchase order ( 140 ).  
         [0029]    In another embodiment, the present invention provides a contactless smart card payment and digital goods fulfillment system. The contactless smart card has the ability to retain stored value or other types of information within the card. These “digital goods” are electronic, virtual information that represent value such as electronic cash (e-Cash), electronic coupons (e-Coupon), electronic tickets (e-Ticket), electronic transit tokens and digital media such as music, software, movies, books and other digital content. The payment transaction and digital goods fulfillment system allows the purchase of digital goods and reception and storage of the digital goods on the contactless smart card. Referring to FIG. 7 and FIG. 6, a payment transaction and digital goods fulfillment system  600  includes a customer  102  with a contactless smart card and a mobile device  110  equipped with contactless smart card reader/writer  110 , a merchant server  104 , a payment server  106 , an authentication system  108 , a financial institution  112  and a fulfillment server  601 . The authentication system  108  includes an authentication server  107  that is adapted to send and receive messages in a short message service (SMS) format to a mobile phone  110  via an SMS carrier  109 . The mobile phone  110  is adapted to receive the contactless smart payment card. After having placed an order for digital goods via the Internet, SMS, WAP or voice  80 , a customer  102  is asked to choose a payment method. The customer  102  chooses to pay via her mobile phone  110  and gives her mobile phone identification information to the merchant server  104  ( 114 ). In one example, the mobile phone identification information is the mobile phone number. The merchant server  104  routes the customer&#39;s mobile phone number and information about the purchase order to a payment server  106  ( 116 ). The payment server  106  contacts the authentication server  107  and routes the customer&#39;s mobile phone number and information about the purchase ( 118 ). The authentication server  107  sends an SMS message to the customer&#39;s mobile phone  110  through an SMS carrier  109  ( 120 ). The customer  102  receives the SMS message asking her to authorize the purchase and choose a payment card ( 122 ). The customer  102  authorizes the purchase, uses a smart card that is associated with her mobile phone  110 , and enters a security code to pay and authenticate her purchase ( 124 ). In one example, the security code is a personal identification number (PIN). Other examples include a password, digital signature, and a biometric identifier, i.e., retina scan, fingerprint, DNA scan, voice characteristics. The payment card is identified with information that is embedded in the card. In one example the identification information is a payment card number. Other examples of payment card identification include an encrypted transaction signature that can only be decrypted by the financial institution that has issued the payment card, expiration date of the payment card, and a digital signature. The mobile phone  110  sends an SMS message via the SMS Carrier  109  to the authentication server  107 . The SMS message includes the authorization result and payment transaction information ( 126 ). The authentication server  107  routes the authorized purchase order and authenticated card to the payment server  106  ( 128 ). The payment server  106  contacts the financial institution  112  that has issued the payment card and routes the payment card information and the purchase order information ( 130 ). The financial institution  112  processes the payment transaction and sends a confirmation of the payment transaction to the payment server  106  ( 132 ). The payment server  106  routes the payment confirmation to the merchant server  104  ( 134 ), presents a digital receipt to the fulfillment server  601  ( 602 ) and routes the payment confirmation to the authentication server  107  ( 136 ). The authentication server  107  sends an SMS message confirming the payment transaction to the customer&#39;s mobile phone  110  ( 138 ). Finally the fulfillment server  601  fulfills the customer&#39;s order for digital goods ( 140 ) by sending the electronic information that represents the digital goods to the authentication server  107 . The authentication server  107  sends an SMS message to the customer&#39;s mobile phone  110  through an SMS carrier  109  ( 120 ). The mobile phone  110  receives the digital goods from the authentication server  107  and the customer  102  receives a message that digital goods are available for the contactless smart card. The customer  102  positions the contactless smart card in close proximity to the mobile phone  110  that is equipped with a contactless smart card reader/writer. The mobile phone  110  establishes a communication link  70  with the contactless smart card and transfers the digital goods to the contactless smart card.  
         [0030]    Other embodiments are within the scope of the following claims. For example, the mobile phone identification information may be an Internet Protocol (IP) address. The communication networks  80 ,  82 ,  84 ,  86 ,  88  and  90  may be wireless or wired networks. The communication networks  80 ,  82 ,  84 ,  86 ,  88  and  90  may be non face-to-face via the Internet, VPN (Virtual Private Network), cable network, data network, telephone network, private voice and data networks, public voice and data networks, and mail or person to person. Payment card identification may occur via the payment card number or via an encrypted transaction signature that can only be decrypted by the financial institution that has issued the payment card. The authentication server may also utilize a password, digital signature, or a biometric identifier, i.e., retina scan, fingerprint, voice characteristics, to authenticate the payment transaction. The payment authentication instrument may be contained in the contactless smart card, on the SIM smart cards within the mobile phone  110 , or within another full-size smart card that needs to be inserted into a smart card reader slot. The communication between the authentication server  107  and the mobile phone  110  may be via a proprietary message protocol that utilizes User Datagram Protocol (UDP) on top of Internet Protocol (IP). This proprietary message protocol is adapted to be used with wireless networks that support Transmission Control Protocol/Internet Protocol (TCP/IP). These wireless networks include Bluetooth, 3G, GPRS, 2.5G, Infrared, 802.11a and 802.11b.  
         [0031]    Several embodiments of the present invention have been described. Nevertheless, it will be understood that various modifications may be made without departing from the spirit and scope of the invention. Accordingly, other embodiments are within the scope of the following claims.