Source: http://www.google.com/patents/US8019320?dq=mirroring+data+in+a+remote+data+storage+system
Timestamp: 2016-07-30 00:42:20
Document Index: 180639978

Matched Legal Cases: ['art 4', 'art 4', 'art 1', 'art 1', 'art 2', 'art 3']

Patent US8019320 - System and method of managing contactless payment transactions using a ... - Google PatentsSearch Images Maps Play YouTube News Gmail Drive More »Sign inPatentsA method handling payment transactions in a system using mobile communication devices as stored value devices is disclosed. A transaction operations server receives multiple records of the transaction from the stored value device—one via a communication channel through the telecommunication provider...http://www.google.com/patents/US8019320?utm_source=gb-gplus-sharePatent US8019320 - System and method of managing contactless payment transactions using a mobile communication device as a stored value deviceAdvanced Patent SearchPublication numberUS8019320 B2Publication typeGrantApplication numberUS 11/753,422Publication dateSep 13, 2011Filing dateMay 24, 2007Priority dateJan 5, 2007Fee statusPaidAlso published asUS8014755, US8045956, US8073424, US8275353, US8467767, US20080166995, US20080166996, US20080166997, US20080166998, US20080167988, US20120022957Publication number11753422, 753422, US 8019320 B2, US 8019320B2, US-B2-8019320, US8019320 B2, US8019320B2InventorsAlbert Sun, Pao-Chieh An, Ying-Che Lo, Chee-Horng LeeOriginal AssigneeMacronix International Co., Ltd.Export CitationBiBTeX, EndNote, RefManPatent Citations (51), Non-Patent Citations (9), Referenced by (4), Classifications (39), Legal Events (2) External Links: USPTO, USPTO Assignment, EspacenetSystem and method of managing contactless payment transactions using a mobile communication device as a stored value device
US 8019320 B2Abstract
1. A transaction terminal including a data processing system supporting mobile payment, comprising:
a data processor, including program storage storing programs including instructions executable by the data processor, and having data communication resources supporting a plurality of communication protocols including at least one protocol for data communications with a server and at least one protocol for wireless proximity coupling;
said programs being adapted to maintain records in memory of transactions involving transfer of stored value on mobile communication devices, to authenticate a mobile communication device for communications via the wireless proximity coupling, and to communicate with a server for settlement of accounts based on the records of transactions;
said programs including a program adapted to execute a transaction to change the stored value in a mobile communication device, including:
passing a record of the particular transaction to a transaction server via a communications channel through a communication network for reconciliation with a second record of the particular transaction sent from the mobile communication device to the transaction server via a communication channel through the telephone service provider network,
2. The transaction terminal of claim 1, including a card reader, and wherein said programs include a program to read a credit or debit card, and to process a request to add stored value to a mobile communication device in communication via the wireless proximity coupling based on processing the credit or debit card by transferring stored value to the mobile communication device.
3. The transaction terminal of claim 1, wherein the change includes increasing the stored value represented by the data stored on the mobile communication device.
4. The transaction terminal of claim 1, wherein the change includes decreasing the stored value represented by the data stored on the mobile communication device.
5. The transaction terminal of claim 1, wherein the communication channel through the telephone service provider network comprises communications according to a protocol compliant with an industry standard Short Message Service protocol.
6. The transaction terminal of claim 1, wherein the communications channel passing the record comprises communications according to a protocol compliant with an industry standard TCP/IP protocol.
7. The transaction terminal of claim 1, wherein the communications channel passing the record comprises a public switched telephone network.
8. The transaction terminal of claim 1, including forwarding a request to the transaction server from the mobile communication device for authorization to increase the amount of money represented by data stored on the mobile communication device.
9. The transaction terminal of claim 1, said programs including a program adapted to forward stored value audit records from mobile communication devices to the transaction server, to reconcile the stored value audit records with records of account activity to detect tampering or fraud.
10. A method of a transaction terminal to support mobile payment, comprising:
the transaction terminal executing a particular transaction to change a stored value in a mobile communication device, including:
the transaction terminal communicating with the mobile communication device via a wireless proximity coupling between the transaction terminal and the mobile communication device, to authenticate the mobile communication device;
the transaction terminal receiving data representing the stored value from the mobile communication device using the wireless proximity coupling; and
the transaction terminal passing a record of the particular transaction to a transaction server via a communications channel through a communication network for reconciliation with a second record of the particular transaction sent from the mobile communication device to the transaction server via a communication channel through the telephone service provider network,
the transaction terminal processing a request to add stored value to the mobile communication device in communication via the wireless proximity coupling based on processing a credit or debit card by transferring stored value to the mobile communication device.
12. The method of claim 10, wherein the change includes increasing the stored value represented by the data stored on the mobile communication device.
13. The method of claim 10, wherein the change includes decreasing the stored value represented by the data stored on the mobile communication device.
14. The method of claim 10, wherein the communication channel through the telephone service provider network comprises communications according to a protocol compliant with an industry standard Short Message Service protocol.
15. The method of claim 10, wherein the communications channel passing the record comprises communications according to a protocol compliant with an industry standard TCP/IP protocol.
16. The method of claim 10, wherein the communications channel passing the record comprises a public switched telephone network.
the transaction terminal forwarding a request to the transaction server from the mobile communication device for authorization to increase the amount of money represented by data stored on the mobile communication device.
18. The method of claim 10, including
the transaction terminal forwarding stored value audit records from mobile communication devices to the transaction server, to reconcile the stored value audit records with records of account activity to detect tampering or fraud.
19. A memory of a transaction terminal to support mobile payment, the program instructions comprising:
a program to execute a particular transaction to change a stored value in a mobile communication device, including program instructions to perform:
wherein the transaction server handles the exchange between the user account in the first business issued currency and the merchant account in the second business issued currency. Description
An example memory of a transaction terminal supporting mobile payment, has program instructions comprising:
the transaction terminal communicating with the mobile communication device via a wireless proximity coupling between the transaction terminal and the mobile communication device, to authenticate the mobile communication device; the transaction terminal receiving data representing the stored value from the mobile communication device using the wireless proximity coupling; and the transaction terminal passing a record of the particular transaction to a transaction operations server via a communications channel through a communication network for reconciliation with a second record of the particular transaction sent from the mobile communication device to the transaction operations server via a communication channel through the telephone service provider network. Other aspects and advantages of the present invention can be seen on review of the drawings, the detailed description and the claims, which follow.
FIG. 6 illustrates a memory organization suitable for the integrated circuit 51 mobile payment controller. The memory organization includes a code space 100 storing computer programs, some of which are embedded for example in several banks (Bank0 to Bank4 and a common area) of one-time programmable read-only memory OTPROM that is not alterable by a user, and some of which are alterable in the field using secure program update protocols with the operation server and/or a transaction terminal. The alterable programs are stored in for example flash ROM (Bank5 to Bank6) in an illustrated embodiment. The memory organization also includes a data space 101 comprising for example electrically erasable and programmable read-only memory EEPROM (Bank0 to Bank1), including a segment 102 allocated for the industry standard ISO14443 Type A secure memory protocol.
FIG. 13 illustrates a representative data structure combination maintained on mobile communication devices and secure memory for the purposes of tracking stored value on the device. The data structure for each mobile communication device includes Load stack 250, Deduct stack 251, and Block stack 252 described above with reference to FIG. 12 in which instructions relating to loading value, deducting value and blocking value on the device are maintained. Associated with Load stack 250 is a Load log 255 which maintains a log of executed instructions from Load stack 250 for the purposes of tracking, record keeping, fraud detection, and verification of the stored value. Likewise, a Deduct log 256 is maintained in association with Deduct stack 251. The Block stack 252 is associated with a Blocked log 257 and an unBlocked log 258, which respectively maintain records of executed instructions from Block stack 252 which result in blocking value transferred to other parties or otherwise encumber pending action by the operation server or other system.
FIG. 14 is a block diagram of another system architecture as described herein. A user performs transaction with the mobile communications device 1402, which includes on-board resources to act as a stored value device. User terminal 1401 has a web connection with a web portal 1403. Mobile communication device 1402 wirelessly communicates with the web portal 1403 via the user terminal 1401. Alternatively, the user terminal 1401 is combined as part of the mobile communication device 1402, which then communicates with web portal 1403. Via the web portal 1403, the mobile communication device 1402 performs a transaction with the virtual store server 1405. The web portal 1403 facilitates account settlement for transactions with the virtual store server 1405, by communication with the payment service provider 1407. The mobile communication device also performs transactions with merchants in different business chains or groups, each of which issues electronic currency within each business chain. Payment service provider 1407 also issues electronic currency for common use with multiple business chains by the various mobile communication devices. Business chain A has at least merchant A1 1417. Business chain B has at least merchant B1 1423. Business chain C has at least merchant C1 1429. Mobile communication device 1421 wirelessly initiates a transaction with merchant A 1417 via store terminal 1419. Mobile communication device 1427 wirelessly initiates a transaction with merchant B1 1423 via store terminal 1425. Mobile communication device 1433 wirelessly initiates a transaction with merchant C1 1429 via store terminal 1431. Account settlement for these transactions with the physical business chains is also performed by communication with the payment service provider 1407. Within payment service provider 1407, network processing 1409 processes communication between the registration authority 1411 of the payment service provider 1407, and the web portal 1403 and the store terminals of merchants in the business chains. Within payment service provider 1407, account settlement is performed by communication among registration authority 1411, account database 1413, and settlement system operation server 1415. Also, accounts are synchronized between the account database 1413 of payment service provider 1407, and the stored value devices of the mobile communication devices. Each user of a mobile communication device periodically receives a summary of transaction records, such as from telecom operator A 1435 and telecom operator B 1439. Telecom operator A 1435 has a billing system 1437 and telecom operator B 1439 has a billing system 1441 which communicate with settlement system operation server 1415, to facilitate such billing of each user of a mobile communication device by each telecom service provider (or Internet service provider) along with the periodic phone bill or Internet service bill. Each user of a mobile communication device has an account number associated with the phone number of the mobile communication device or the physical address associated with the user of the mobile communication device.
FIG. 15 illustrates a data structure of an account database maintained by a payment service provider to support transferring value, including check-like transfers, coupon redemptions and ticket redemptions. The account database 1500 is an instance of account database 1413 in FIG. 14. The account database 1500 supports multiple accounts, such as the account of payment service provider 1502 and purchase account of payment service provider 1504. To support the distinct electronic currencies issued by the multiple business chains, the account database 1500 groups merchant accounts together by business chain. For example, account group business chain A 1506 groups together the accounts of Merchants A1, A2, . . . , and An. Account group business chain B 1508 groups together the accounts of Merchants B1, B2, . . . , and Bn. Account group business chain C 1510 groups together the accounts of Merchants C1, C2, . . . , and Cn. To support billing of users of mobile communication devices, the account database 1500 groups users together by telecom operator or internet service provider. For example, account telecom operator A 1512 groups together the accounts of Users A1, A2, . . . , and An. Account telecom operator B 1514 groups together the accounts of Users B1, B2, . . . , and Bn. Accordingly, each group of accounts represents a separate data type in the accounting data structure.
FIG. 24 illustrates condensed accounts of credits and debits associated with the money flow of FIG. 23. The account of mobile communication device user C 1241 has a 1000 point credit and a 200 point debit, and has a final credit balance of 800 points. The account of merchant A1 242 has two 200 point credits and two 200 point debits, and has a final balance of 0 points. The account of the payment service provider 243 has both a 200 point credit and a 1000 point debit, and has a final debit balance of 800 points. The purchase account of payment service provider 244 has both a 200 point credit and a 200 point debit, and has a final balance of 0 points. Although not shown, earlier, mobile communication device user C1 had purchased 1000 points of e-money issued by the payment service provider.
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