Patent ID: 8484086

Claim:
A payment terminal device for coupling to a point of sale device, and to a payment center, comprising: first interface means for coupling the payment terminal device to a mobile phone to transfer first data information between said payment terminal device and said payment center via said mobile phone and a voice channel between said mobile telephone and said payment center; second interface means for coupling said payment terminal device to said payment center, for transferring second data information between said payment terminal device and said payment center; and data processing means, coupled to said first and said second interface means, for processing data received from said payment center via said first and/or said second interface means and for generating data for transfer to said payment center via said first and/or said second interface means; wherein said first interface means comprises coupling means for coupling said first interface means to said mobile phone, for transferring the first data information between said processing means and said payment center via said first interface means, said mobile phone and said voice channel; and a modem, connected to said coupling means, for converting the first data information transferred via said first interface means into converted first data information; wherein said coupling means includes an acoustic coupler which provides the converted first data information as an output of sound data or acoustic data transmitted to the mobile terminal device; wherein the mobile phone senses the sound data or the acoustic data and transmits the sound data or the acoustic data to the payment center via said voice channel; wherein said second interface means comprises means for converting data transferred between said second interface means and said payment center into data for said processing means and said payment center and vice versa; and wherein the first and second interface means respectively transfer the first and second data information during the mobile phone and the payment terminal being utilized to make a payment by a user of the mobile phone at the payment center.