Debit or Credit Card Data Transaction Methods and Devices

Abstract

Debit or credit card transaction data includes one or a combination of digital card data read from a debit or credit card, transaction amount, shop identification information, and personal identification information like PIN numbers. This card transaction 5 data is in digital form. Where sales are performed on-the-go, it is now necessary to contact the card data center manually to obtain necessary information, for example approval code for the sales. Although it seems straight forward to send the digital card data over a mobile phone to resolve this issue, this approach has various problems including lack of support of all mobile 10 phones for data communication, expensive subscription fee to data plan is required, and unbounded delay in the transaction time. The current invention provides a method for performing debit or credit card transactions over mobile phone networks. In the method of the current invention, digital card transaction data is converted into audio signal suitable for transmission over voice channel of mobile phone network. The audio signal is then digitized 15 and transmitted over voice channel of mobile phone network, and then the digital card transaction data is recovered from the digitized audio signal.

Dependencies are inferred from the claim text.