Source: http://www.google.co.uk/patents/US7822688
Timestamp: 2017-11-24 15:08:23
Document Index: 537008046

Matched Legal Cases: ['application No. 60', 'application No. 60', 'application No. 60', 'arty 302', 'arty 302', 'Application No. 03', 'Application No. 06', 'Application No. 03', 'Application No. 06251957', 'Application No. 03254927', 'Application No. 06253923', 'Application No. 03254926', 'Application No. 20050005149', 'Application No. 200610109167', 'Application No. 2003', 'Application No. 2006', 'Application No. 2005', 'Application No. 10', 'Application No. 200610109167', 'Application No. 03254927', 'Application No. 03']

Patent US7822688 - Wireless wallet - Google Patents
A mobile phone system and method of initializing, at a secure transaction server (STS), a mobile payment software with a software authentication parameter, as an authentic mobile payment software; providing an STS correlation between a personal identification entry (PIE) and the authentic mobile payment...http://www.google.co.uk/patents/US7822688?utm_source=gb-gplus-sharePatent US7822688 - Wireless wallet
Publication number US7822688 B2
Application number US 11/045,484
Also published as EP1723593A2, EP1723593A4, US20050187873, WO2005079254A2, WO2005079254A3
Publication number 045484, 11045484, US 7822688 B2, US 7822688B2, US-B2-7822688, US7822688 B2, US7822688B2
Inventors Yannis Labrou, Lusheng Ji, Jonathan Russell Agre, Jesus Molina Terriza, Wei-Lun Chen
Patent Citations (147), Non-Patent Citations (159), Referenced by (110), Classifications (36), Legal Events (4)
US 7822688 B2
1. A method for cashless transactions using a mobile phone communicably connectable with a secure transaction server (STS) over a mobile phone network, comprising:
initializing by the STS a mobile payment software with a software authentication parameter including one or more of an initialization time stamp and/or initialization random seed number, to provide an authentic mobile payment software based upon the software authentication parameter;
correlating, by the STS, a personal identification entry (PIE) with the authentic mobile payment software;
executing, by the mobile phone, the authentic mobile payment software for prompting a user to input the PIE to the authentic mobile payment software;
receiving the PIE and generating, by the mobile phone, according to both the received PIE and the software authentication parameter, a changing encryption key that changes for each transaction message by generating a transaction random sequence number based upon the software authentication parameter of the authentic payment software and generating the changing encryption key based upon both the transaction random sequence number generated based upon the software authentication parameter and the received PIE;
encrypting a transaction message for an authenticable mobile phone cashless monetary transaction;
transmitting, by the mobile phone, the encrypted transaction message to the STS;
decrypting, by the STS, the encrypted transaction message by generating the changing encryption key based upon the PIE correlated with the authentic mobile payment software; and
authenticating the mobile phone cashless monetary transaction according to the decrypted transaction message.
wherein the initializing of the authentic mobile payment software comprises:
providing to the user a mobile phone cashless monetary transaction activation link at a computing device;
registering a phone number of the mobile phone of the user via the activation link;
transmitting the registered phone number of the mobile phone to the STS;
generating an executable mobile payment software that includes the software authentication parameter, as the authentic mobile payment software; and
generating the PIE correlated in the STS with the authentic mobile payment software, and
wherein an installation of the authentic mobile payment software download link comprises:
transmitting, by the STS, via short/multimedia message service using the registered mobile phone number, a download link to the authentic mobile payment software to the mobile phone of the user;
downloading to the mobile phone the authentic mobile payment software via the download link, thereby performing the installing of the authentic mobile payment software; and
providing, by the STS, the PIE to the user.
correlating, by the STS, abstracted registered financial entities information of the user with the authentic mobile payment software;
binding, by the mobile phone, the authentic mobile payment software with transaction information of a transaction party by accessing over the mobile phone network software application of the transaction party;
presenting, by the STS, via transmitting to the mobile phone, a selectable list of abstracted identifiers corresponding to the registered financial entities of the user correlated with the authentic mobile payment software; and
executing, by the mobile phone, the mobile phone cashless monetary transaction with the transaction party according to exchange of encrypted transaction messages with the STS that comprise an identifier of the mobile phone, an identifier of the transaction party, and an identifier of the transaction, and proceeding with payment from the financial entities of the user.
10. The method of claim 9, wherein the first and second views are symmetrical and the SAS comprises generating as each independent view of the transaction an unencrypted perceptible part comprising an identification of a first mobile phone for the first view and a current timestamp, and an encrypted part by encrypting with the changing encryption key a transaction message that comprises data of the transaction, the identification of the first mobile phone and an identification of a second device for the second view.
wherein the first and second views are symmetrical and the SAS comprises:
generating as each independent view of the transaction, an unencrypted perceptible part comprising an identification of a first mobile phone for the first view and a current timestamp, and an encrypted part by encrypting with the changing encryption key a transaction message that comprises data of the transaction, the identification of the first mobile phone and an identification of a second device for the second view.
12. The method of claim 1, wherein the generating of the encryption key further comprises:
computing a Keyed-Hashing for Message Authentication (HMAC) result, based upon the initialization random seed number and/or the time difference value, to generate the transaction random sequence number;
13. The method of claim 12, wherein the number of bits selected is 128.
14. The method of claim 4, wherein an online payment system provides the mobile phone cashless monetary transaction activation link to a member of the online payment system as the user, thereby providing person-to-person mobile phone authenticable cashless monetary transactions using the user's mobile phone wireless wallet.
16. The method of claim 15, wherein the accepting inputs further comprises accepting abstracted previously registered financial account reference identifiers of the mobile phone user to execute the transaction.
wherein the mobile phone authenticable cashless monetary transaction is performed according to Universal Pervasive Transaction Framework Secure Agreement Submission (UPTF SAS) protocol, and the method further comprises:
correlating, at the STS, abstracted financial entity information of the user with the authentic mobile payment software; and
providing person-to-person mobile phone UPTF authenticable cashless monetary transactions using the user mobile phone wireless wallet.
18. The method of claim 1, wherein the PIE is an alphanumeric string having less than or equal to 5 characters.
19. The method of claim 6, further comprising transmitting the mobile phone authenticable cashless transaction messages over a mobile phone communications network according to Hypertext Transfer Protocol (HTTP), socket based communication, and/or web service calls.
20. The method of claim 8, wherein the executing of the mobile phone cashless monetary transaction further comprises:
21. The method of claim 17, wherein the person-to-person mobile phone UPTF authenticable cashless monetary transactions comprise sending a payment to a person, requesting a payment from another person, checking a pending request for payment from another, storing and retrieving records of transactions, or any combination thereof.
22. The method of claim 1, wherein the installing of the authentic mobile payment software in the mobile phone comprises downloading the authentic mobile payment software to the mobile phone, storing the authentic mobile payment software on a mobile phone installable computer readable medium, storing the authentic mobile payment software in a mobile phone embedded computer readable medium, or any combination thereof.
23. The method of claim 7, wherein the providing of the PIE to the user comprises delivering the PIE to the user as an image through a third party.
24. The method of claim 20, further comprising storing in the mobile phone the barcode image transaction receipt.
25. The method of claim 1, further comprising rewarding a mobile phone wireless wallet transaction with an automatic download of a mobile phone content comprising a ringtone, a game, a digital/media content, software, or any combination thereof, and/or a credit towards any thereof.
26. The method of claim 21, further comprising notifying the user at the mobile phone of a status of the mobile phone UPTF authenticable cashless monetary transaction using Short/Multimedia Message Service, email, and/or voice message.
27. The method of claim 20, further comprising notifying the user at the mobile phone of a status of the mobile phone UPTF authenticable cashless monetary transaction using Short/Multimedia Message Service, email, and/or voice message, including transaction receipt information.
28. The method of claim 17, wherein the PIE is an alphanumeric string having less than or equal to 5 characters.
29. A mobile phone communicably connectable to a secured transaction server (STS) and comprising:
a computer processor and a computer readable medium storing executable instructions that when executed by the computer processor cause the computer processor to perform:
storing a mobile payment software initialized at the secured transaction server (STS) with a software authentication parameter including one or more of an initialization time stamp and/or initialization random seed number and correlated with a personal identification entry (PIE), as an authentic mobile payment software,
prompting a user to input the PIE,
receiving the PIE and generating, according to both the received PIE and the software authentication parameter, a changing encryption key that changes for each transaction message by generating a transaction random sequence number based upon the software authentication parameter of the authentic payment software and generating the changing encryption key based upon both the transaction random sequence number generated based upon the software authentication parameter and the received PIE,
encrypting a transaction message for an authenticable mobile phone cashless monetary transaction,
transmitting the encrypted transaction message, which is decryptable and authenticable by the STS by generating the changing encryption key based upon the PIE correlated with the authentic mobile payment software, to the STS.
a computer server and a computer readable medium storing executable instructions that when executed by the server cause the server to perform:
initializing a mobile payment software with a software authentication parameter including one or more of an initialization time stamp and/or initialization random seed number, to provide an authentic mobile payment software,
generating a secured personal identification entry (PIE);
providing a secured correlation between the PIE and the authentic mobile payment software, and
providing an online purchasing interface; and
a mobile phone in mobile phone network communication with the server and comprising:
a computer readable medium storing the authentic mobile payment software comprising computer readable instructions that when executed by the computer processor cause the computer processor to perform:
interfacing with the online purchasing interface to generate a virtual shopping cart,
encrypting a transaction message for an authenticable mobile phone cashless monetary transaction based upon the virtual shopping cart, and
transmitting over the mobile phone network the encrypted
transaction message to the computer server to execute the transaction,
wherein the computer server decrypts the encrypted transaction message by generating the changing encryption key based upon the PIE correlated with the authentic mobile payment software and authenticates the mobile phone cashless monetary transaction according to the decrypted transaction message.
This application is related to and is a continuation-in-part of U.S. application Ser. No. 10/458,205, filed Jun. 11, 2003, now U.S. Pat. No. 7,353,382 which claims the benefit of U.S. provisional application No. 60/401,807, filed Aug. 8, 2002; and also a continuation-in-part of U.S. application Ser. No. 10/628,584 filed Jul. 29, 2003, which claims the benefit of U.S. provisional application No. 60/401,807 filed Aug. 8, 2002; and also a continuation-in-part of U.S. application Ser. No. 10/628,569 filed Jul. 29, 2003, which claims the benefit of U.S. provisional application Ser. No. 60/401,807 filed Aug. 8, 2002; and also a continuation-in-part of U.S. application Ser. No. 10/628,583 filed Jul. 29, 2003, which claims the benefit of U.S. provisional application No. 60/401,807 filed Aug. 8, 2002.
This application is also related to and also claims the benefit of priority to, Provisional Application U.S. Ser. No. 60/544,300, entitled A UNIVERSAL PERVASIVE TRANSACTION FRAMEWORK APPLICATION: WIRELESS WALLET ON A MOBILE PHONE, by Yannis Labrou, Jonathan Agre, Lusheng Ji, Jesus Molina Terriza, Wei-lun Chen, and, filed Feb. 17, 2004 in the U.S. Patent and Trademark Office, the contents of which are incorporated herein by reference.
This application is also related to, and also claims the benefit of priority to, Provisional Application U.S. Ser. No. 60/549,148, entitled WIRELESS WALLET, by Yannis Labrou, Jonathan Agre, Lusheng Ji, Jesus Molina Terriza, Wei-lun Chen, and, filed Mar. 3, 2004 in the U.S. Patent and Trademark Office, the contents of which are incorporated herein by reference.
This application is also related to, and also claims the benefit of priority to, Provisional Application U.S. Ser. No. 60/575,835, entitled A WIRELESS WALLET FOR PERSON-TO-PERSON TRANSACTIONS, by Yannis Labrou, Jonathan Agre, Lusheng Ji, Jesus Molina Terriza, Wei-lun Chen, and, filed Jun. 2, 2004 in the U.S. Patent and Trademark Office, the contents of which are incorporated herein by reference.
This application is related to Provisional Application U.S. Ser. No. 60/401,807, filed Aug. 8, 2002 in the U.S. Patent and Trademark Office, the contents of which are incorporated herein by reference.
This application is related to U.S. Ser. No. 10/458,205, entitled SECURITY FRAMEWORK AND PROTOCOL FOR UNIVERSAL PERVASIVE TRANSACTIONS, by Yannis Labrou, Lusheng Ji, and Jonathan Agre, filed Jun. 11, 2003 in the U.S. Patent and Trademark Office, the contents of which are incorporated herein by reference.
This application is related to U.S. Ser. No. 10/628,584, entitled METHODS FOR PURCHASING OF GOODS AND SERVICES, by Yannis Labrou, Lusheng Ji, and Jonathan Agre, filed Jul. 29, 2003 in the U.S. Patent and Trademark Office, the contents of which are incorporated herein by reference.
This application is related to U.S. Ser. No. 10/628,569, entitled APPARATUSES FOR PURCHASING OF GOODS AND SERVICES, by Yannis Labrou, Lusheng Ji, and Jonathan Agre, filed Jul. 29, 2003 in the U.S. Patent and Trademark Office, the contents of which are incorporated herein by reference.
This application is related to U.S. Ser. No. 10/628,583, entitled FRAMEWORK AND SYSTEM FOR PURCHASING OF GOODS AND SERVICES, by Yannis Labrou, Lusheng Ji, and Jonathan Agre, filed Jul. 29, 2003 in the U.S. Patent and Trademark Office, the contents of which are incorporated herein by reference.
FIG. 3 is functional block diagram of a UPTF based system architecture to execute a mobile phone cashless monetary transaction, according to an embodiment of the present invention. A universal pervasive transactions device (UPTD) is a wireless mobile computing device, such as mobile phones 106 a-n, based upon the UPTF SAS to implement a wireless wallet by installing in the mobile phones 106 a-n corresponding authentic mobile payment software 108 a-n. A computer system and method of binding the mobile payment software 108 a with transaction information of a transaction party (e.g., merchant online retail application 302); inputting the PIE by the user at the mobile phone 106 a of the user; executing the authentic mobile payment software 108 a and presenting, by the STS at the mobile phone 106 a, a selectable list of abstracted relationship identifiers (identifiers that are a level removed from actual identifiers), corresponding to the registered financial entities of the user, that are correlated with the authentic mobile payment software 108 a; and executing the mobile phone cashless monetary transaction with the transaction party 302 using the PIE and the software authentication parameter and according to UPTF transaction messages comprising an identifier of the mobile phone 106 a, an identifier of the transaction party 302, and an identifier of the transaction, thereby providing the mobile phone wireless wallet based upon a combination of the authentic mobile payment software 108 a at the mobile phone 106 a and the STS 120 correlations of the authentic mobile payment software 108 a with the PIE, the software authentication parameter, and the financial entities of the user, and independent, anonymous exchange of the UPTF transaction messages between the user, the transaction party and the STS. As described in more detail below, the authentic mobile payment software 108 and the STS 120 correlations result in generation of a security tool (e.g., an encryption key) to secure (e.g., encrypt) messages, and, thus, successfully decrypting each message authenticates a sender, and, in case of UPTF transaction messages, by decrypting and matching UPTF transaction views of one or more transacting parties authenticates the transaction.
A UPTD wireless wallet can be a WLAN enabled wallet-sized computing device, including a WLAN enabled mobile phone, able to detect UPTF-enabled physical points of sale (POS), to wirelessly connect to the POS using a wireless local area network/short range radio technology (e.g., 802.11, BLUETOOTH, Infrared, etc.), and to allow their owners to make purchases and or payments with the UPTD wireless wallet. A UPTD wireless wallet can also be a mobile phone without WLAN capability. UPTF authenticable transactions using a UPTD that is a WLAN enabled mobile phone is described in, and can also be understood, for example, by referring to, the pending U.S. patent application Ser. No. 10/628,583 filed Jul. 29, 2003 and owned by FUJITSU LIMITED assignee of the present patent application, which is incorporated herein by reference. In a typical embodiment described herein, the UPTD wireless wallet is an Internet and/or web capable/enabled mobile phone 106 (hereinafter referred to as a mobile phone 106 or as a mobile phone wireless wallet 106). For example, a mobile phone wireless wallet 106 could be used to place an order at a restaurant and subsequently make payment, as follows: (1) the user consumer 200, through activating a UPTD mobile phone wireless wallet software 108 function, according to the processes of FIG. 1A, interfaces over a mobile phone communication network 317 with a service spot merchant 202 (which, for example, could be a retail application server 302 on Internet 310 for a movie theater ticket, a gas station, etc., a point of sale 315 at a physical location of the merchant 202)—the retail application 302 implements a virtual store front (for ordering goods or retrieving the payment amount and is accessible through a web server) and implements the UPTF-related functions for effecting mobile phone cashless purchasing; (2) the mobile phone wireless wallet 106 displays a listing of the available merchant 202 offered services (via Channel A between the mobile phone wireless wallet 106 and the retail application 302 in FIGS. 2 and 3); (3) the consumer 200 selects the service (e.g., ordering a meal, or payment at checkout station) with a simple keypad input at the 106; (4) once a purchase amount is determined, the consumer 200 presses a designated payment button on the mobile phone wireless wallet 106, which begins the payment stage and results in retrieval of a purchase order (i.e., the agreement) from the merchant 202; following a visual inspection by the consumer 200, the consumer 200 is requested to input the consumer's security PIE (also optionally selecting which financial entity account to use for payment); (5) the consumer 200 receives on the mobile phone wireless wallet 106 a confirmation and a receipt, if the transaction was successful (the service spot merchant 202 also receives a notification of the successful transaction).
The generating of the encryption key further comprises generating a current time stamp; converting the current time stamp to a string; using a one way function, such as a hash function, to convert the current time stamp string to a current time stamp value; determining a time difference value between the current time stamp and the initialization time stamp; computing a Keyed-Hashing for Message Authentication (HMAC) result, based upon the initialization random seed number and the time difference value, to generate the transaction random sequence number; selecting a number of bits from the HMAC result as the transaction random sequence number and combining the selected number of bits f with the PIE; computing a hash value of the combination; and selecting a number of bits of the hash value to generate the encryption key. The number of bits is about 128.
Payments and request for payments from the mobile phone 106 using the mobile phone wireless wallet software 108 result in UPTF messages (e.g., 402, 404), encrypted according to UPTF, send by the mobile phone's 106 wireless wallet 108 to the STS 120 and/or generated by the STS 120 (i.e., in case of a person-to-person mobile phone payment, the STS may or may not create a second view for the payment transaction depending on system configuration and/or application design and/or transacting party preference). For example, in FIG. 5, in case of a member-to-member, as a person-to-person transaction example, cashless payment transaction involving one payment service 122, 204 in which both members have registered accounts, the merchant 202 transaction system 302 and the payment service 122, 204 could be logically (conceptually) one entity/system 500 for through processing (via a channel D between the OPS 122, 204 and the STS 120) the UPTF views 402, 404 to/from the STS 120. In general, in a person-to-person type transaction scenario, each transacting party creates its own view. In case of a payment by one person to another person using the mobile phone wireless wallet 106, because the other person (payee) may not require (or be required) to approve a payment made to the payee, the payee might not need to create a view to accept the payment. Therefore, in case of a payment transaction, the payee's view can be omitted and the STS 120 may simply only verify a first payment request view 402 from a payer 200, or the STS 120 may create the other person's (payee 202) second view 404 on the payee's behalf. Paired views 402, 404 are used in case of a plurality of online payment services 122, 204 to achieve person-to-person mobile payment transactions. According to an aspect of the embodiment described, the system 500 can also comprise the STS 120. Also, responses to messages from the STS 120 to a mobile phone 106 are UPTF SAS messages, encrypted according to UPTF SAS. The OPS 122, 204 has a secure connection (i.e., channel D) to the STS 120.
FIG. 6 is a flow chart of a UPTF based mobile phone cashless monetary transaction to purchase a movie ticket, according to an embodiment of the present invention. FIGS. 7A-B are mobile phone display screen user interface images to execute mobile phone cashless monetary transaction to purchase a movie ticket and to obtain, store and retrieve a transaction receipt, according to an embodiment of the present invention. With reference to FIGS. 5, 6, and 7A-7B, an example mobile phone cashless monetary transaction with a merchant is described. In FIG. 5, at operation 502, a mobile phone 106 user/consumer 200 uses an installed (FIGS. 1A, 1B, 1C) mobile phone wireless wallet 108 to request a purchase order from the merchant 302 payee 202. In FIGS. 5 and 6, operation 502 comprises binding the consumer 200 with the merchant 302 transaction information, for example, by browsing a merchant ticket sales application (merchant transaction server (MTS)) 302 (FIGS. 2, 3) for purchasing a movie ticket via a mobile phone (cellular) communication network. The binding of the user with a merchant's virtual shopping cart can also be performed by inputting at the mobile phone wireless wallet software 108 an identifier for the merchant (e.g., a POS 135 transaction paper receipt information) and/or the mobile phone wireless wallet might have pre-stored a merchant identifier (e.g., Internet Universal Resource Locator (URL) address). In FIG. 7A, for example, at operation 502, mobile phone user interface screen images 702 a-h are displayed for browsing the merchant ticket sales application 302, which comprise, at 702 a, selecting the mobile phone wireless wallet software 108, at 702 b, selecting “Go shopping,” at 702 c, selecting “Movie Theater,” at 702 d, selecting “Movies Playing Next,” at 702 e, selecting movie times from displayed movie time information, at 702 f, selecting a movie from displayed movies at the selected time, and, at 702 g, completing a purchase order form request to be sent to the merchant 302, and, at 702 h, transmitting to the merchant 302 the purchase order request, which is a binding of the consumer 200 with the merchant 302 transaction information by identifying what is being paid for (electronic shopping cart) and payment information.
At operation 506, selection of the “PAY” button at 704 begins the UPTF SAS functions of the embodiment. In particular, via the mobile phone user interface screen images 706 a, 706 b, the mobile phone wireless wallet software 108 requests input of the PIE (e.g., a PIN) and generates a UPTF SAS view 402 (as described with reference to FIG. 4), as a consumer 200 REQuest transaction, and transmits the REQuest transaction to the merchant 302. As shown in FIG. 6, the UPTF SAS based messages 402 from the mobile phone wireless wallet software 108 are carried over the mobile carrier's network, either directly to the STS 120 or indirectly through the merchant application 302, as indicated by Channel B. The transport layer between client 108 and MTS 302 and/or STS 120 uses Internet (Internet Protocol) HTTP communication. However, the transport layer can by any known transport layer, such as HTTP, web service calls, socket based communication, etc. According to an aspect of the embodiment(s) described herein, the MTS 302 is implemented with a web interface for sending and receiving messages from and to the mobile phone client 106; specifically the mobile phone wireless wallet software client 108 running on the mobile phone 106 sends its messages to the MTS 302 by submitting them to a pre-specified CGI-like interface, and the MTS 302 forwards/receives the same/responses to/from the STS 120 using web service calls. In other words, a UPTF message is an HTTP parameter. Since HTTP is stateless, the MTS 302 uses a small database to keep track of state(s) during the sending and receiving the messages. Also, because messages are carried over HTTP, a hex encoding of the encrypted UPTF SAS based message is used to avoid problems with special ASCII characters in the encrypted form of the message, as it is transported over HTTP.
At operation 510, the STS 120 gets abstracted account listing for the consumer 200 from the payment service 122, 204. In particular, if at 706 b, the consumer 200 inputs a request to use a financial account other than a default account, the consumer REQuest view 402 includes a request for financial account information. At operation 510, the STS 120 uses an account association 123 for the consumer 200, which is provided from the payment service 122, 204 (i.e., operations 105 in FIG. 1A), to confirm the consumer REQuest with the payment service 122, 204. At operation 512, the STS 120, receives an account reference listing (not actual account numbers) from the payment service 122, 204. At operations 514, 516, the STS 120 forwards via the MTS 302, an STS Response to the consumer REQuest view 402, which includes the account reference listing. At operation, 516, the mobile phone user interface screen image 708 displays a selectable user account reference listing. At operation 518, the consumer 200 authorizes the transaction. At operation 520, the MTS 302 sends an MTS authorization and the consumer authorization to the STS 120.
According to an aspect of the described embodiment herein, the wireless wallet application 108 running on the mobile phone 106 receives receipt related information, as shown in the display screen image 712, which according to an aspect of the embodiment is in the form of a barcode image on a computer display screen, as shown in a barcode image 714 displayed on the mobile phone display screen 106, after every successful purchase and stores these receipts on the mobile phone 106 for further reference and reuse (e.g., to be displayed on a display screen of the mobile phone wireless wallet 106 and read from the computer displayed barcode image by a barcode reader 315 to gain physical access to the paid service at a physical merchant service spot, such as a cinema point of sale (POS) 315). The transaction receipt related information could be remotely stored and retrievable. Therefore, the wireless wallet application 108 provides transaction receipt management and in FIG. 7B, an example of mobile phone display screen user interface images 716 a-d is illustrated for retrieving transaction receipt related information. According to another aspect of the embodiment(s) described herein, provided is a system and method of notifying the user at the mobile phone of a status of the mobile phone UPTF authenticable cashless monetary transaction using Short/Multimedia Message Service, email, and/or voice message, including transaction receipt information, wherein the receipts can be forwarded to another (e.g., in case of a movie ticket purchase, a barcode image movie ticket receipt delivered to the mobile phone wireless wallet 106 can be forwarded to another person for theater entry). Therefore, the wireless wallet software 108 includes a general receipt management mechanism based upon a computer display screen image of a barcode 714. In FIG. 6, the VPN is a Virtual Private Network.
FIG. 8 is a flow chart based upon mobile phone display screen user interface images and message flow between a requestor device, a secure transaction server (STS) and a requestee to execute a person-to-person mobile phone cashless payment transaction, according to an embodiment of the present invention. FIG. 9 is a flow chart based upon mobile phone display screen user interface images and message flow between a requestor device, a secure transaction server (STS) and a requestee to execute a person-to-person mobile phone cashless payment request transaction, according to an embodiment of the present invention. FIG. 10 is overall mobile phone display screen user interface images and possible workflows available to an operator of a wireless wallet on a mobile phone to execute person-to-person cashless monetary transactions, according to an embodiment of the present invention. FIGS. 11-12 are diagrams of mobile phone person-to-person cashless monetary transaction message formats to execute various mobile phone cashless monetary transactions, according to an embodiment of the present invention. An example of a person-to-person payment and a person-to-person payment request will be described with reference to FIGS. 8, 9, 10 and 11. FIG. 8 is a flow chart of a person-to-person payment when a mobile phone payer 200 makes payment via a payment request or via responding to a received request for payment from a payee 202. In FIG. 8, at operation 802, a mobile OPS payer 200 starts the mobile phone wireless wallet 108 and chooses option “P2P Payment,” corresponding to the mobile phone user interface display screen image 1002 (Form 0). At operation 804, the user selects option “Make Payment,” corresponding to the mobile phone user interface display screen image 1004 (Form 1). Also, at operation 806, the user can select option “Pending Requests,” corresponding to the mobile phone user interface display screen image 1004 (Form 1). If, at operation 804, the user selects “Make Payment,” at operation 810, the user is prompted, via the mobile phone user interface display screen image 1006 (Form 2), to enter a phone number/email address. After operation 804 and operation 806 (as the case may be), the user is prompted, via the mobile phone user interface display screen images 1010 (Form 4) or 1018 (Form 7), to enter a PIE, such as a PIN. At operation 812, when the user enters the PIN, the mobile phone wireless wallet software 108 uses the input PIN to create encrypted payee id request/pending list request (as the case may be) according to UPTF SAS message view 402 and sends the message view 402 to the STS 120. At operation 814, the STS 120 receives the message views 402 and authenticates the user payer 200, and identifies payee 202/returns a pending request list (as the case may be).
At operations 816 and 818, the mobile phone wireless wallet software 108 sends a payment message view 402 that comprises payer, payee and amount information, and, at operation 820, the STS 120 receives and processes the payment message view 402 (display screen image 1020), and returns a final result to payer 200. If the payment transaction is successful, the payee 202 can be notified as well. In particular, at operation 822, the mobile phone wireless wallet software 108 receives a payment result message view 402 and informs the user payer 200, via the mobile phone user interface display screen image 1022 b (Form 10), of the payment result and ask if the user wants to bookmark payee. At operation 820, a notification to payee 202, via SMS or email, can be sent.
At operations 914, the mobile phone wireless wallet software 108 sends a payment request from payer 200 message view 402 that comprises payer, payee and amount information, and, at operation 916, the STS 120 receives and processes the payment request from payer 200 message view 402 (display screen image 1020). At operation 916, the STS 120 processes (i.e., decrypting according to SAS and logging) the received payment request from the mobile phone wireless wallet software 108 by creating a new payment request entry for the payer 200, which can be requested by the payer via operation 806. In particular, at operation 916, the STS logs a transaction identifier of the message view 402, and with reference to FIG. 8, at operation 806, the payer 200 can select “Pending Payment Requests” to receive the created payment request, including the transaction identifier, of operation 916. In FIG. 8, via operations 812, 814 and 816, the payer 200 creates a corresponding agreement view 404, including the transaction identifier of the payment request, which corresponds to the created payment request of operation 916 and can be processed by the STS 120 according to UPTF SAS by decrypting and verifying both views 402, 404 of the payer 200 and payee 202, respectively. At operation 916, if payer 200 is a mobile phone wireless wallet software 108 user, SMS can be sent to the payer 200 or otherwise an email notification can be sent to the payer 200. At operation 916, the STS 120 returns a request result to payee 202. In particular, at operation 918, the mobile phone wireless wallet software 108 receives a payment request result message view 402 and informs the user payee 202, via the mobile phone user interface display screen image 1022 a (Form 10), of the payment request result and ask if the user wants to bookmark payer.
FIG. 10 illustrates and describes three possible flows for mobile phone user interface display screen images. In FIG. 10, flow I is mobile phone user interface display screen images 1002, 1004, 1006, 1008, 1010, 1012, and 1014. In FIG. 10, flow II is mobile phone user interface display screen images 1002, 1004, 1006, 1010, 1012 and 1014. In FIG. 10, flow III is mobile phone user interface display screen images 1002, 1004, 1018, 1016 and 1014. FIG. 12 is a diagram of an example envelope of a mobile phone cashless monetary transaction message view 402 for a pending payment request list reply (Message B in FIG. 11). In FIG. 12, the message B view 402 is according to the SAS. The “message” portion contains an actual content of a message, as encrypted according to SAS. FIG. 12 shows example of message B (FIG. 11) for a Pending Payment Request List Reply. The message format 1202 is an example format of the “message” portion for a Pending Payment Request List Reply message B sent by the STS 120 in reply to message A. The message format 1202 comprises a list of pending payment requests and a list of abstracted account identifiers to select from for payment. Padding 1 and padding 2 can be random numbers to hide location of the “message” portion. Ptr1 and ptr2 are pointers indicating where the “message” portion begins.
US4182261 5 May 1977 8 Jan 1980 Identicator Corporation Credit card printer for fingerprints and solutions
US4253086 10 Jan 1979 24 Feb 1981 Szymon Szwarcbier Process and apparatus for positive identification of customers
US4458109 5 Feb 1982 3 Jul 1984 Siemens Corporation Method and apparatus providing registered mail features in an electronic communication system
US4636622 6 May 1985 13 Jan 1987 Clark Clement P Card user identification system
US5363453 22 Mar 1993 8 Nov 1994 Tms Inc. Non-minutiae automatic fingerprint identification system and methods
US5631961 15 Sep 1995 20 May 1997 The United States Of America As Represented By The Director Of The National Security Agency Device for and method of cryptography that allows third party access
US5732148 16 Sep 1994 24 Mar 1998 Keagy; John Martin Apparatus and method for electronically acquiring fingerprint images with low cost removable platen and separate imaging device
US5794204 29 Sep 1995 11 Aug 1998 Seiko Epson Corporation Interactive speech recognition combining speaker-independent and speaker-specific word recognition, and having a response-creation capability
US5869822 4 Oct 1996 9 Feb 1999 Meadows, Ii; Dexter L. Automated fingerprint identification system
US6003767 3 Jun 1996 21 Dec 1999 Fujitsu Limited Cashless medium for an electronic cashless system
US6010068 10 Aug 1994 4 Jan 2000 Nadir Technology Company Limited Credit document connected to a document or customized card, independent customized credit card and associated issuance and validation equipment
US6044388 15 May 1997 28 Mar 2000 International Business Machine Corporation Pseudorandom number generator
US6069969 23 Mar 1998 30 May 2000 Identicator Technology Apparatus and method for electronically acquiring fingerprint images
US6115601 15 Oct 1997 5 Sep 2000 U.S. Philips Corporation Payment scheme for a mobile communication service
US6175923 8 Dec 1998 16 Jan 2001 Senetas Corporation Limited Secure system using images of only part of a body as the key where the part has continuously-changing features
US6212290 7 Nov 1994 3 Apr 2001 Tms, Inc. Non-minutiae automatic fingerprint identification system and methods
US6263436 17 Dec 1996 17 Jul 2001 At&T Corp. Method and apparatus for simultaneous electronic exchange using a semi-trusted third party
US6334575 1 Nov 2000 1 Jan 2002 Singular Technology Corp. Safety transaction method
US6377692 16 Jan 1998 23 Apr 2002 Ntt Data Corporation Method and system for controlling key for electronic signature
US6405314 29 Sep 2000 11 Jun 2002 Ecryp, Inc. Secure system using images of only part of a body as the key where the part has continuously-changing features
US6435406 6 Oct 2000 20 Aug 2002 Randolph M. Pentel Remote ordering device
US6598032 10 Mar 2000 22 Jul 2003 International Business Machines Corporation Systems and method for hiding from a computer system entry of a personal identification number (pin) to a smart card
US6775777 26 Jan 2001 10 Aug 2004 Ecryp, Inc. Secure system using images of only part of a body as the key where the part has continuously-changing features
US6874029 * 22 Jun 2001 29 Mar 2005 Leap Wireless International, Inc. Method and system for mediating interactive services over a wireless communications network
US6915951 * 15 Jan 2002 12 Jul 2005 Fujitsu Limited Electronic cashless system
US6926200 * 14 Jul 2000 9 Aug 2005 Fujitsu Limited Electronic cashless system
US6931431 11 Jan 2002 16 Aug 2005 International Business Machines Corporation Agreement and atomic broadcast in asynchronous networks
US7003499 30 Jan 2001 21 Feb 2006 France Telecom Sa Service activation by virtual prepaid card
US7239346 18 Oct 1999 3 Jul 2007 Priddy Dennis G System and architecture that supports a multi-function semiconductor device between networks and portable wireless communications products
US20010004231 26 Jan 2001 21 Jun 2001 Secure Id-Net Ltd. Secure system using images of only part of a body as the key where the part has continuously-changing features
US20010005840 * 29 Dec 2000 28 Jun 2001 Markku Verkama Authentication in a telecommunications network
US20010010723 30 Oct 1997 2 Aug 2001 Denis Pinkas Key recovery process used for strong encryption of messages
US20010034670 21 Feb 2001 25 Oct 2001 Blair Jeffery D. Direct point of presence distribution system and method
US20010037254 9 Mar 2001 1 Nov 2001 Adi Glikman System and method for assisting a customer in purchasing a commodity using a mobile device
US20010045458 27 Jul 1999 29 Nov 2001 Stephen T. Polansky Biometeric system for verifying the user of a credit/identification card by a miniature autonomous fingerprint capture and verification system
US20010053239 6 Aug 2001 20 Dec 2001 Jasper Consulting, Inc. Credit card fraud elimination system
US20020017561 6 Aug 2001 14 Feb 2002 Hiroyuki Tomoike Electronic payment system using accounting function in a mobile communication network
US20020052841 * 10 Apr 2001 2 May 2002 Guthrie Paul D. Electronic payment system
US20020073024 7 Dec 2000 13 Jun 2002 Gilchrist Alexander Sandy Donald System and methods of using wireless communication devices to conduct financial transactions
US20020077885 6 Dec 2000 20 Jun 2002 Jared Karro Electronic voting system
US20020077993 18 Dec 2000 20 Jun 2002 Nokia Corporation Method and system for conducting wireless payments
US20020087869 8 Nov 2001 4 Jul 2002 Jinsam Kim System and method of authenticating a credit card using a fingerprint
US20020095296 17 Jan 2001 18 Jul 2002 International Business Machines Corporation Technique for improved audio compression
US20020095570 1 Apr 2002 18 Jul 2002 Xerox Corporation Secure token-based document server
US20020097867 21 Nov 2001 25 Jul 2002 Bartram Anthony V. Communication system
US20020107007 27 Mar 2002 8 Aug 2002 Howard Gerson Method for wireless telephony payment and an apparatus therefor
US20020141575 * 5 Jun 2001 3 Oct 2002 Hird Geoffrey R. Method and apparatus for secure cryptographic key generation, certification and use
US20020163421 7 May 2001 7 Nov 2002 Po-Tong Wang Personal fingerprint authentication method of bank card and credit card
US20020176579 24 May 2001 28 Nov 2002 Deshpande Nikhil M. Location-based services using wireless hotspot technology
US20020196944 15 Feb 2002 26 Dec 2002 United Parcel Service Of America, Inc. Systems and methods for licensing and providing selective access to network applications
US20030046541 22 Aug 2002 6 Mar 2003 Martin Gerdes Universal authentication mechanism
US20030061486 13 Nov 2002 27 Mar 2003 Nifty Corporation Electronic commerce information processing system and method
US20030123667 * 28 Dec 2001 3 Jul 2003 Cable Television Laboratories, Inc. Method for encryption key generation
US20030190046 17 Oct 2002 9 Oct 2003 Kamerman Matthew Albert Three party signing protocol providing non-linkability
US20030226030 30 May 2002 4 Dec 2003 Leon Hurst Secure content activation during manufacture of mobile communication devices
US20040030894 11 Jun 2003 12 Feb 2004 Fujitsu Limited Security framework and protocol for universal pervasive transactions
US20040123098 2 Jul 2003 24 Jun 2004 Ligun Chen Method and apparatus for use in relation to verifying an association between two parties
US20040153649 4 Sep 2003 5 Aug 2004 Rhoads Geoffrey B. Digital authentication with digital and analog documents
US20040234117 1 Apr 2004 25 Nov 2004 Joan Tibor Electronic transaction verification system
US20050067485 16 Jan 2003 31 Mar 2005 Michel Caron Apparatus and method of identifying the user thereof by means of a variable identification code
US20050194452 2 Dec 2004 8 Sep 2005 Torsten Nordentoft Credit card and a secured data activation system
US20060004862 * 8 Jun 2004 5 Jan 2006 Fisher David L Time synchronized playback and control of dissimilar data files
US20060266823 30 May 2006 30 Nov 2006 Selvin Passen Authentication method and system for use in vending a restricted product or service
CA2291430A1 * 1 Dec 1999 28 Jul 2000 Tao Lu Internet transaction security system
DE10310527A1 11 Mar 2003 23 Sep 2004 Christian Hogl Method for initiating a transaction with two declarations of will esp. for monetary transaction, involves data which contains features allowing mutual assignment of declaration of will
EP0950968A1 13 Aug 1998 20 Oct 1999 Matsushita Electric Industrial Co., Ltd Mobile electronic commerce system
EP0982674A2 27 Aug 1999 1 Mar 2000 Citibank, N.A. System and method for merchant function assumption of internet checking and savings account transactions
EP1120761A2 22 Jan 2001 1 Aug 2001 KommConsult Datenverarbeitung GmbH Payment execution device for cashless payment and method for executing a cashless payment
EP1178444A1 1 Aug 2000 6 Feb 2002 mega-tel AG Electronic payment using SMS
EP1231578A2 31 Jan 2002 14 Aug 2002 Siemens Aktiengesellschaft Method and system for implementing cashless payment transactions
EP1237132A2 13 Feb 2002 4 Sep 2002 Nokia Corporation Electronic transactions
EP1237133A2 21 Feb 2002 4 Sep 2002 Nokia Corporation Electronic transactions by means of a wireless interface
EP1237134A2 21 Feb 2002 4 Sep 2002 Nokia Corporation Electronic transactions
EP1388797A2 7 Aug 2003 11 Feb 2004 Fujitsu Limited Methods, apparatus and framework for purchasing of goods and services
1 "CIBC kicks off wireless banking service" [online]. Bank Systems + Technology, vol. 39, No. 5, May 2002, p. 12 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
2 "CIBC kicks off wireless banking service" [online]. Bank Systems + Technology, vol. 39, No. 5, May 2002, p. 12 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
3 "Hongkong Post Launches Mobile e-Certs" [online], Online Reporter, Oct. 22, 2001 (2 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
4 "Hongkong Post Launches Mobile e-Certs" [online], Online Reporter, Oct. 22, 2001 (2 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
5 "Pepsi North America tests wireless vending in Memphis" [online]. Automatic Merchandiser, vol. 44, No. 2, Feb. 1, 2002, pp. 9(1) (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
6 "Pepsi North America tests wireless vending in Memphis" [online]. Automatic Merchandiser, vol. 44, No. 2, Feb. 1, 2002, pp. 9(1) (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
7 "Regional News: Asia/Pacific: DoCoMo, Sony Use E-Purse, PDAs In Mobile Commerce Trial" [online]. Card Technology, vol. 2, No. 10, Oct. 2001 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
8 "Regional News: Asia/Pacific: DoCoMo, Sony Use E-Purse, PDAs In Mobile Commerce Trial" [online]. Card Technology, vol. 2, No. 10, Oct. 2001 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
9 "Thirsty? Soon you may be able to charge and chug" [online], USA Today, Dec. 21, 2001, p. 7B (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
10 "Thirsty? Soon you may be able to charge and chug" [online], USA Today, Dec. 21, 2001, p. 7B (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
11 "Via Licensing Begins Process to Form Wireless Networking Patent Licensing Pool" [online]. Via Licensing Corporation, Oct. 23, 2003, 3 pages [retrieved Nov. 17, 2003]. Retrieved from the Internet: .
12 "Via Licensing Begins Process to Form Wireless Networking Patent Licensing Pool" [online]. Via Licensing Corporation, Oct. 23, 2003, 3 pages [retrieved Nov. 17, 2003]. Retrieved from the Internet: <URL: http://www.vialicensing.com/news/details.cfm?VIANEWS—ID=308>.
13 "Wallet and WIM pilot" [online], Mobile Europe, Oct. 2001, p. 16 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
14 "Wallet and WIM pilot" [online], Mobile Europe, Oct. 2001, p. 16 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
15 "WAWA Installs Wireless Card Processing" [online], CardLine, 2001 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
16 "WAWA Installs Wireless Card Processing" [online], CardLine, 2001 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
17 "Wildcard Sure Mobile Pizza Pilot Will Deliver" [online]. CardLine, Oct. 2001 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
18 "Wildcard Sure Mobile Pizza Pilot Will Deliver" [online]. CardLine, Oct. 2001 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
19 "Wireless in Boston (Fleet HomeLink offers services through personal digital assistants) (Brief Article)" [online]. Bank Marketing, vol. 33, No. 7, Sep. 1, 2001 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
20 "Wireless in Boston (Fleet HomeLink offers services through personal digital assistants) (Brief Article)" [online]. Bank Marketing, vol. 33, No. 7, Sep. 1, 2001 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
21 Aalders, K., "Travel card: Airport self-check in using a wireless PDA" [online]. IEEE Conf. Intell Transport Syst Proc ITSC, 2001, pp. 1224-1228 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
22 Aalders, K., "Travel card: Airport self-check in using a wireless PDA" [online]. IEEE Conf. Intell Transport Syst Proc ITSC, 2001, pp. 1224-1228 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
23 Asthana, Abhaya, et al., An Indoor Wireless System for Personalized Shopping Assistance (1994) [online]. IEEE Workshop on Mobile Computing Systems and Applications (1 page Abstract) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
24 Asthana, Abhaya, et al., An Indoor Wireless System for Personalized Shopping Assistance (1994) [online]. IEEE Workshop on Mobile Computing Systems and Applications (1 page Abstract) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
25 Asthana, Abhaya, et al., An Indoor Wireless System for Personalized Shopping Assistance (1994) [online]. IEEE Workshop on Mobile Computing Systems and Applications (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
26 Asthana, Abhaya, et al., An Indoor Wireless System for Personalized Shopping Assistance (1994) [online]. IEEE Workshop on Mobile Computing Systems and Applications (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
27 Bettstetter, Christian, et al., "(Auto) mobile communication in a heterogeneous and converged world" [online]. IEEE Pers Commun., vol. 8, No. 6, Dec. 2001, pp. 41-47 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
28 Bettstetter, Christian, et al., "(Auto) mobile communication in a heterogeneous and converged world" [online]. IEEE Pers Commun., vol. 8, No. 6, Dec. 2001, pp. 41-47 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
29 Brananaghan, R.J., "Human factors issues in the design of handheld wireless devices" [online]. Proc SPIE Int Soc Opt Eng, vol. 4428, 2001, pp. 37-41 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
30 Brananaghan, R.J., "Human factors issues in the design of handheld wireless devices" [online]. Proc SPIE Int Soc Opt Eng, vol. 4428, 2001, pp. 37-41 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
31 Cohn, Michael, Like money in your hand: Wireless technology lets financial firms quickly deliver transactions and trades. (Financial Services) [online]. Internet World, vol. 8, No. 5, May 1, 2002, pp. 54(3) (4 pages). [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
32 Cohn, Michael, Like money in your hand: Wireless technology lets financial firms quickly deliver transactions and trades. (Financial Services) [online]. Internet World, vol. 8, No. 5, May 1, 2002, pp. 54(3) (4 pages). [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
33 Commerciant inks wireless deal. (EDS will provide transaction processing services for Commerciant's wireless terminals) (Brief Article) [online]. Houston Business Journal, vol. 32, No. 23, Oct. 19, 2001 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
34 Commerciant inks wireless deal. (EDS will provide transaction processing services for Commerciant's wireless terminals) (Brief Article) [online]. Houston Business Journal, vol. 32, No. 23, Oct. 19, 2001 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
35 Deborah Bach, "CIBC Makes Long-Term Case for Wireless" [online], American Banker, vol. 167, No. 65, Apr. 5, 2002 (2 pages) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
36 Deborah Bach, "CIBC Makes Long-Term Case for Wireless" [online], American Banker, vol. 167, No. 65, Apr. 5, 2002 (2 pages) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
37 Diversinet Delivers Consumer-Ready Soft Token Strong Authentication Solution [online]. Diversinet Corp., Feb. 7, 2006, 2 pages [retrieved on Dec. 27, 2006]. Retrieved from the Internet: .
38 Diversinet Delivers Consumer-Ready Soft Token Strong Authentication Solution [online]. Diversinet Corp., Feb. 7, 2006, 2 pages [retrieved on Dec. 27, 2006]. Retrieved from the Internet: <URL: http://www.diversinet.com/html/press/2006/consumer.html>.
39 Electronic Payment System Observatory (the ePSO website aims to monitor the progress of retail payment innovation throughout Europe, ePSO inventory of E-Payment services-List of e-products) [online]. European Central Bank, Frankfurt, Germany (3 pages) [retrieved Dec. 18, 2006]. Retrieved from the Internet: .
40 Electronic Payment System Observatory (the ePSO website aims to monitor the progress of retail payment innovation throughout Europe, ePSO inventory of E-Payment services—List of e-products) [online]. European Central Bank, Frankfurt, Germany (3 pages) [retrieved Dec. 18, 2006]. Retrieved from the Internet: <URL: http://epso.intrasoft.lu>.
41 Electronic payment systems, involving mobile phones (list of e-products, 15 listings), [online] Electronic Payment System Observatory (the ePSO website aims to monitor the progress of retail payment innovation throughout Europe, ePSO inventory of E-Payment services-List of e-products) (26 pages). European Central Bank, Frankfurt, Germany, 2002 [retrieved Sep. 11, 2002]. Retrieved from the Internet: ,.
42 Electronic payment systems, involving mobile phones (list of e-products, 15 listings), [online] Electronic Payment System Observatory (the ePSO website aims to monitor the progress of retail payment innovation throughout Europe, ePSO inventory of E-Payment services—List of e-products) (26 pages). European Central Bank, Frankfurt, Germany, 2002 [retrieved Sep. 11, 2002]. Retrieved from the Internet: <http:epso.intrasoft.lu>,.
43 European Communication Pursuant to Article 94(3) EPC dated May 19, 2009 in European Application No. 03 254 926.3-2413, related to the above-identified present pending US patent application (7 pages).
44 European Communication Pursuant to Article 94(3) EPC dated Nov. 19, 2009 in European Application No. 06 251 957.4-1244, related to the above-identified present pending U.S. patent application (4 pages).
45 European Communication Pursuant to Article 96(2) EPC dated Jul. 26, 2005 in European Application No. 03 254 927.1-1238, related to the above-identified present pending US patent application (6 pages).
46 European Search Report Communication issued by the European Patent Office on Apr. 23, 2007 in Application No. 06251957.4-1244 related to the above-identified present pending US patent application (9 pages).
47 European Search Report Communication issued by the European Patent Office on Aug. 30, 2004 in European Application No. 03254927.1-1238 related to the above-identified present pending US patent application (3 pages).
48 European Search Report Communication issued by the European Patent Office on Jan. 8, 2007 in Application No. 06253923.4-1238 related to the above-identified present pending US patent application (13 pages).
49 European Search Report Communication issued by the European Patent Office on Nov. 15, 2007 in the related European Patent Application No. 03254926.3-1244 (3 pages).
50 First Chinese Office Action mailed Jun. 21, 2010 in related Chinese Application No. 20050005149.8. (4 pages); English Translation (6 pages).
51 First Notification of Office action issued by the State Intellectual Property Office of China on Nov. 13, 2009 in related Chinese Patent Application No. 200610109167.7, related to the above-identified present pending US patent application (3 pages) English Translation (7 pages).
52 Form PCT/ISA/237-Written Opinion of the International Searching Authority dated Oct. 4, 2005 in International Application No. PCT/US05/04049 related to the above-identified present pending US patent application (3 pages).
53 Form PCT/ISA/237—Written Opinion of the International Searching Authority dated Oct. 4, 2005 in International Application No. PCT/US05/04049 related to the above-identified present pending US patent application (3 pages).
54 Friis-Hansen, et al., "Secure electronic transactions-The mobile phone evolution continues" [online]. Ericsson Rev. (Engl. Ed); vol. 78, No. 4, 2001, pp. 162-167 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
55 Friis-Hansen, et al., "Secure electronic transactions—The mobile phone evolution continues" [online]. Ericsson Rev. (Engl. Ed); vol. 78, No. 4, 2001, pp. 162-167 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
56 Gupta, S., "Securing the wireless internet" [online]. IEEE Commun. Mag., vol. 39, No. 12, Dec. 2001, pp. 68-75 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
57 Gupta, S., "Securing the wireless internet" [online]. IEEE Commun. Mag., vol. 39, No. 12, Dec. 2001, pp. 68-75 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
58 Herschberg, Mark A., "Secure Electronic Voting Over the World Wide Web," Massachusetts Institute of Technology, May 27, 1997 (pp. 1-67).
59 Hoffman, Karen Epper, New Options in Wireless Payments. (Company Business and Marketing) [online]. Internet World, vol. 7, No. 7, Apr. 1, 2001, pp. 37 (4 pages) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
60 Hoffman, Karen Epper, New Options in Wireless Payments. (Company Business and Marketing) [online]. Internet World, vol. 7, No. 7, Apr. 1, 2001, pp. 37 (4 pages) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
61 IEEE Standards Association (IEEE Std 802.11 and amendments) (802.11 patent information) [online]. IEEE-SA, 19 pages [retrieved Dec. 27, 2006]. Retrieved from the Internet: .
62 IEEE Standards Association (IEEE Std 802.11 and amendments) (802.11 patent information) [online]. IEEE-SA, 19 pages [retrieved Dec. 27, 2006]. Retrieved from the Internet: <URL: http://standards.ieee.org/db/patents/pat802—11.html>.
63 International Preliminary Report on Patentability (Chapter I of the Patent Cooperation Treaty) dated Aug. 22, 2006 in International Application No. PCT/US05/04049 related to the above-identified present pending US patent application (5 pages).
64 * Iyer (UNIX and Internet Security, Department of Computer Science and Engineering, Indian Institute of Technology, Mar. 1997, 38 pages).
65 Jan et al., "The Design of Protocol for e-Voting on the Internet." IEEE, Oct. 2001 (pp. 180-189).
66 Jan, Jinn-ke et al. "A secure anonymous voting protocol with a complete supervision." Computer Systems Science & Engineering, vol. 17, Nos. (4/5): Jul./Sep. 2002 (pp. 213-221).
67 Japanese Office Action Mailed Jan. 19, 2010 in related Japanese Application No. 2003-289408 (4 pages).
68 Japanese Office Action Mailed Jul. 14, 2009 issued in corresponding Japanese Application No. 2006-554126. (6 pages) (translation 8 pages).
69 Japanese Office Action mailed on Oct. 20, 2009 in related Japanese Patent Application No. 2005-554126 (4 pages); English Translation (5 pages).
70 Jennifer A. Kingson, "First Data Sets Strategy for Wireless" [online], American Banker, vol. 167, No. 17, Jan. 25, 2002 (3 pages) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
71 Jennifer A. Kingson, "First Data Sets Strategy for Wireless" [online], American Banker, vol. 167, No. 17, Jan. 25, 2002 (3 pages) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
72 Juang, Wen-Sheng et al. "A Verifiable Multi-Authorities Secret Election Allowing Abstaining from Voting." International Computer Symposium, Tainan, Taiwan, 1998 (pp. 1-21).
73 Kabaher, April, MasterCard snags citi exec for new wireless role. (Brief Article) [online]. Financial Net News, vol. 7, No. 14, Apr. 8, 2002, pp. 1(2) (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
74 Kabaher, April, MasterCard snags citi exec for new wireless role. (Brief Article) [online]. Financial Net News, vol. 7, No. 14, Apr. 8, 2002, pp. 1(2) (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
75 Khachtchanski, V.I., et al., "Universal SIM toolkit-based client for mobile authorization system" [online]. Third International Conference on Information Integration and Web-based Applications and Services, 2001, pp. 337-344 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
76 Khachtchanski, V.I., et al., "Universal SIM toolkit-based client for mobile authorization system" [online]. Third International Conference on Information Integration and Web-based Applications and Services, 2001, pp. 337-344 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
77 Korean Office Action issued by the Korean Intellectual Property Office on Nov. 8, 2007 in related Korean Patent Application No. 10-2006-7019071 based upon PCT/US2005/004049 (4 pages) (English translation consisting of 4 pages).
78 Labrou, Yannis, ‘Re: Motorola's M-Wallet: Mobile payments with a J2ME application’ (referencing "Motorola M-Wallet Solution" brochure Motorola, Inc. 2006) In UPTF blog for Wireless Wallet [online], Feb. 21, 2006, 5 pages [retrieved Mar. 24, 2006]. Retrieved from the Internet: <URL: http://uptf.blogspot.com/2006/02/mobile-payment-with-downloadable.html>.
79 Labrou, Yannis, Re: Mobile payments with a downloadable application from PayWi (referencing "PayWi Powers Personal Payments in Your Palm," PRNewswire, Portland Oregon, Feb. 6, 2006) [online]. Feb. 21, 2006 (4 pages) [retrieved Mar. 24, 2006]. Retrieved from the Internet: .
80 Labrou, Yannis, Re: Mobile payments with a downloadable application from PayWi (referencing "PayWi Powers Personal Payments in Your Palm," PRNewswire, Portland Oregon, Feb. 6, 2006) [online]. Feb. 21, 2006 (4 pages) [retrieved Mar. 24, 2006]. Retrieved from the Internet: <URL: http://uptf.blogspot.com/2006/02/mobile-payments-with-downloadable.html>.
81 Labrou, Yannis, 'Re: Motorola's M-Wallet: Mobile payments with a J2ME application' (referencing "Motorola M-Wallet Solution" brochure Motorola, Inc. 2006) In UPTF blog for Wireless Wallet [online], Feb. 21, 2006, 5 pages [retrieved Mar. 24, 2006]. Retrieved from the Internet: .
82 Labrou, Yannis. UPTF blog (a blog for Wireless Wallet) [online]22 pages [retrieved Dec. 27, 2006] Retrieved from the Internet: .
83 Labrou, Yannis. UPTF blog (a blog for Wireless Wallet) [online]22 pages [retrieved Dec. 27, 2006] Retrieved from the Internet: <URL: http://uptf.blogspot.com>.
84 M. Giometti, et al., "Creating Winning M-Commerce Models in the Financial Services" [online], FutureBanker, vol. 5, No. 10, Dec. 2001, p. 37 (2 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
85 M. Giometti, et al., "Creating Winning M-Commerce Models in the Financial Services" [online], FutureBanker, vol. 5, No. 10, Dec. 2001, p. 37 (2 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
86 Menezes, Alfred J. et al., "Handbook of Applied Cryptography", 1997 CRC Press LLC, Section 1.5 Symmetric-key encryption, (9 pages).
87 * Menezes, Paul et al. "Handbook of Applied Cryptography" 5th Edition (Aug. 2001), Copyright 1996 CRC Press, Chapter 9.78.
88 MeT Mobile electronic Transactions (MeT limited is a company founded to establish a framework for secure mobile transactions) [online]. Mobile electronic Transactions Limited, 2003, 3 pages [retrieved Jan. 5, 2005]. Retrieved from the Internet: .
89 MeT Mobile electronic Transactions (MeT limited is a company founded to establish a framework for secure mobile transactions) [online]. Mobile electronic Transactions Limited, 2003, 3 pages [retrieved Jan. 5, 2005]. Retrieved from the Internet: <URL: http://www.mobiletransaction.org>.
90 Mobile, Academic Press Dictionary of Science and Technology, xreferplus (1992); http://xreferplus.com/entry.jsp?xrefid=3130947&secid=.&hh=1.
91 Murphy, Patricia A., Wireless payment technology spreads from gas pump to store. (VeriFone system) [online]. Stores, vol. 83, No. 5, May 1, 2001, pp. 74(2) (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
92 Murphy, Patricia A., Wireless payment technology spreads from gas pump to store. (VeriFone system) [online]. Stores, vol. 83, No. 5, May 1, 2001, pp. 74(2) (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
93 Nerac (Patents, Intellectual Property, Research), [online]. Nerac, Inc. Tolland CT, USA, 4 pages [retrieved Dec. 18, 2006]. Retrieved from the Internet: .
94 Nerac (Patents, Intellectual Property, Research), [online]. Nerac, Inc. Tolland CT, USA, 4 pages [retrieved Dec. 18, 2006]. Retrieved from the Internet: <URL: http://www.nerac.com>.
95 Notice of Allowance mailed May 19, 2010 in realted co-pending U.S. Appl. No. 10/628,583.
96 PCT International Search Report dated Oct. 4, 2005 for International Application No. PCT/US05/04049 related to the above-identified present pending US patent application (2 pages).
97 Purchase, 1996, Merriam-Webster's Dictionary of Law, http://dictionary.reference.com/browse/pruchase, p. 4.
98 Radding, Alan, "Crossing the Wireless Security Gap." [online]. Computerworld, Jan. 1, 2001 (3 pages) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
99 Radding, Alan, "Crossing the Wireless Security Gap." [online]. Computerworld, Jan. 1, 2001 (3 pages) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
100 Ray Cammack Shows. (M&S News). (to use wireless credit card terminals) (Brief Article) [online]. Amusement Business, vol. 114, No. 17, Apr. 29, 2002, pp. 4(1) (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
101 Ray Cammack Shows. (M&S News). (to use wireless credit card terminals) (Brief Article) [online]. Amusement Business, vol. 114, No. 17, Apr. 29, 2002, pp. 4(1) (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
102 Second Notification of Office action issued by the State Intellectual Property Office of Chine on Jun. 10, 2010 in related Chinese Patent Application No. 200610109167.7, (4 pages); English Translation (8 pages).
103 * Steves, Douglas. "Overview on Secure Transaction Protocols" http://www.usenix.org/publications/library/proceedings/ec96/full-papers/steves/html/node5.html#SECTION00021000000000000000.
104 * Steves, Douglas. "Overview on Secure Transaction Protocols" http://www.usenix.org/publications/library/proceedings/ec96/full—papers/steves/html/node5.html#SECTION00021000000000000000.
105 Summons to Attend Oral Proceedings; Annex to the Summons Preliminary Opinion of the Examining Division issued on Mar. 12, 2008 by the European Patent Office in the related European Patent Application No. 03254927.1-1238 (10 pages).
106 Two-Factor Token Matrix [online]. Diversinet Corp., 2 pages [retrieved on Mar. 24, 2006]. Retrieved from the Internet: .
107 Two-Factor Token Matrix [online]. Diversinet Corp., 2 pages [retrieved on Mar. 24, 2006]. Retrieved from the Internet: <URL: http://www.diversinet.com/>.
108 U.S. Advisory Action mailed Apr. 17, 2008 in co-pending U.S. Appl. No. 10/628,583 (8 pages).
109 U.S. Advisory Action mailed Feb. 28, 2008 in co-pending U.S. Appl. No. 10/628,569 (2 pages).
110 U.S. Appl. No. 10/458,205, filed Jun. 11, 2003, Yannis Labrou, et al., Fujitsu Limited Kawasaki, Japan.
111 U.S. Appl. No. 10/628,569, filed Jul. 29, 2003, Yannis Labrou, et al., Fujitsu Limited Kawasaki, Japan.
112 U.S. Appl. No. 10/628,583, filed Jul. 29, 2003, Yannis Labrou, et al., Fujitsu Limited Kawasaki, Japan.
113 U.S. Appl. No. 10/628,584, filed Jul. 29, 2003, Yannis Labrou, et al., Fujitsu Limited Kawasaki, Japan.
114 U.S. Appl. No. 11/041,223, filed Jan. 25, 2005, Yannis Labrou, et al., Fujitsu Limited Kawasaki, Japan.
115 U.S. Appl. No. 11/388,202, filed Mar. 24, 2006, Yannis Labrou, et al., Fujitsu Limited Kawasaki, Japan.
116 U.S. Appl. No. 11/488,178, filed Jul. 18, 2006, Yannis Labrou, et al., Fujitsu Limited Kawasaki, Japan.
117 U.S. Appl. No. 60/401,807, filed Aug. 8, 2002, Yannis Labrou, et al., Fujitsu Limited Kawasaki, Japan.
118 U.S. Appl. No. 60/541,903, filed Feb. 6, 2004, Yannis Labrou, et al., Fujitsu Limited Kawasaki, Japan.
119 U.S. Appl. No. 60/544,300, filed Feb. 17, 2004, Yannis Labrou, et al., Fujitsu Limited Kawasaki, Japan.
120 U.S. Appl. No. 60/549,148, filed Mar. 3, 2004, Yannis Labrou, et al., Fujitsu Limited Kawasaki, Japan.
121 U.S. Appl. No. 60/575,835, filed Jun. 2, 2004, Yannis Labrou, et al., Fujitsu Limited Kawasaki, Japan.
122 U.S. Appl. No. 60/669,375, filed Apr. 8, 2005, Yannis Labrou, et al., Fujitsu Limited Kawasaki, Japan.
123 U.S. Appl. No. 60/703,862, filed Aug. 1, 2005, Yannis Labrou, et al., Fujitsu Limited Kawasaki, Japan.
124 U.S. Interview Summary mailed Oct. 14, 2008 in co-pending U.S. Appl. No. 10/628,569 (2 pages).
125 U.S. Interview Summary mailed Oct. 8, 2008 in co-pending U.S. Appl. No. 10/628,583 (18 pages).
126 U.S. NOA mailed Jun. 1, 2009 in co-pending U.S. Appl. No. 11/388,202 (32 pages).
127 U.S. NOA mailed Oct. 1, 2007 in U.S. Appl. No. 10/628,584 (now U.S. Patent No. 7, 349,871) (31 pages).
128 U.S. NOA mailed Oct. 29, 2007 in U.S. Appl. No. 10/458,205 (now U.S. Patent No. 7,353,382) (9 pages).
129 U.S. Notice of Allowance mailed Mar. 22, 2010 in co-pending U.S. Appl. No. 11/488,178.
130 U.S. Office Action mailed Apr. 19, 2007 in U.S. Appl. No. 10/628,584 (now U.S. Patent No. 7, 349,871) (21 pages).
131 U.S. Office Action mailed Apr. 2, 2009 in co-pending U.S. Appl. No. 10/628,569 (19 pages).
132 U.S. Office Action mailed Apr. 2, 2009 in co-pending U.S. Appl. No. 11/041,223 (19 pages).
133 U.S. Office Action mailed Aug. 31, 2009 in co-pending U.S. Appl. No. 10/628,583 (16 pages).
134 U.S. Office Action mailed Dec. 27, 2007 in co-pending U.S. Appl. No. 10/628,583 (49pages).
135 U.S. Office Action mailed Jan. 5, 2007 in U.S. Appl. No. 10/458,205 (now U.S. Patent No. 7,353,382) (11 pages).
136 U.S. Office Action mailed Jul. 16, 2008 in co-pending U.S. Appl. No. 11/388,202 (6 pages).
137 U.S. Office Action mailed Jul. 2, 2008 in co-pending U.S. Appl. No. 10/628,583 (18 pages).
138 U.S. Office Action mailed Jun. 23, 2010 in related co-pending U.S. Appl. No. 10/628,178.
139 U.S. Office Action mailed Jun. 26, 2008 in co-pending U.S. Appl. No. 10/628,569 (15 pages).
140 U.S. Office Action mailed Mar. 16, 2009 in co-pending U.S. Appl. No. 10/628,583 (18 pages).
141 U.S. Office Action mailed Mar. 31, 2010 in co-pending U.S. Appl. No. 11/041,223.
142 U.S. Office Action mailed Mar. 5, 2008 in co-pending U.S. Appl. No. 11/041,223 (14 pages).
143 U.S. Office Action mailed Mar. 8, 2007 in co-pending U.S. Appl. No. 10/628,583 (29 pages).
144 U.S. Office Action mailed May 22, 2007 in U.S. Appl. No. 10/458,205 (now U.S. Patent No. 7,353,382) (12 pages).
145 U.S. Office Action mailed May 3, 2007 in co-pending U.S. Appl. No. 10/628,569 (10 pages).
146 U.S. Office Action mailed Oct. 1, 2008 in co-pending U.S. Appl. No. 11/388,202 (25 pages).
147 U.S. Office Action mailed Oct. 17, 2008 in co-pending U.S. Appl. No. 11/041,223 (20 pages).
148 U.S. Office Action mailed Oct. 19, 2007 in co-pending U.S. Appl. No. 10/628,569 (10 pages).
149 U.S. Office Action mailed Oct. 21, 2009 in co-pending U.S. Appl. No. 11/488,178.
150 U.S. Office Action mailed Sep. 27, 2006 in U.S. Appl. No. 10/628,584 (now U.S. Patent No. 7,349,871) (16 pages).
151 U.S. Response to Rule 312 Communication mailed Feb. 12, 2008 in U.S. Appl. No. 10/628,584 (now U.S. Patent No. 7, 349,871) (7 pages).
152 U.S. Supplemental Action Notice of Allowability mailed Jun. 18, 2009 in co-pending U.S. Appl. No. 11/388,202 (3 pages).
153 U.S. Supplemental Notice of Allowability mailed Jan. 9, 2008 in U.S. Appl. No. 10/628,584 (now U.S. Patent No, 7, 349,871) (12 pages).
154 US Office Action mailed Oct. 14, 2009 in copending U.S. Appl. No. 11/041,223.
155 US Office Action mailed Oct. 21, 2009 in copending U.S. Appl. No. 11/488,178.
156 Varshney, Upkar, et al., "Mobile commerce: Framework, applications and networking support" [online]. Mobile Networks Appl., vol. 7, No. 3, Jun. 2002, pp. 185-198 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: .
157 Varshney, Upkar, et al., "Mobile commerce: Framework, applications and networking support" [online]. Mobile Networks Appl., vol. 7, No. 3, Jun. 2002, pp. 185-198 (1 page) [retrieved on Aug. 2, 2002]. Retrieved from the Internet: <URL: http://www.nerac.com>.
158 Written Decision to Refuse European Patent Application of the Examining Division dated Apr. 28, 2009 in related corresponding European Application No. 03 254 927.1-1238 (14 pages).
159 Yannis Labrou, et al., "Wireless Wallet", Proceedings of the First Annual International Conference on Mobile and Ubiquitous Systems: Networking and Services (MobiQuitous '04); ISBN: 0-7695-2208-4, IEEE, Aug. 22, 2004.
US8055184 30 Jan 2008 8 Nov 2011 Sprint Communications Company L.P. System and method for active jamming of confidential information transmitted at a point-of-sale reader
US8060449 * 5 Jan 2009 15 Nov 2011 Sprint Communications Company L.P. Partially delegated over-the-air provisioning of a secure element
US8205791 17 Jun 2011 26 Jun 2012 National Payment Card Association Payment system and methods
US8244169 11 Aug 2011 14 Aug 2012 Sprint Communications Company L.P. System and method for active jamming of confidential information transmitted at a point-of-sale reader
US8281386 * 21 Dec 2005 2 Oct 2012 Panasonic Corporation Systems and methods for automatic secret generation and distribution for secure systems
US8468095 * 4 Jan 2012 18 Jun 2013 Sprint Communications Company L.P. Method for launching an electronic wallet
US8490865 11 May 2012 23 Jul 2013 National Payment Card Association Payment system and methods
US8538845 30 May 2012 17 Sep 2013 Mozido, Llc Monetary transaction system
US8572701 * 22 Aug 2011 29 Oct 2013 Verizon Patent And Licensing Inc. Authenticating via mobile device
US8655694 29 May 2012 18 Feb 2014 Wesley John Boudville Dynamic group purchases using barcodes
US8738450 * 28 Jan 2010 27 May 2014 Bank Of America Corporation Audible transaction process and system
US8744914 * 28 Jan 2010 3 Jun 2014 Bank Of America Corporation Mobile device consumer interface process and system
US8781963 12 Nov 2010 15 Jul 2014 Jpmorgan Chase Bank, N.A. Systems and methods for providing a mobile financial platform
US8799163 20 Mar 2012 5 Aug 2014 Jpmorgan Chase Bank, N.A. System and method for financial instrument pre-qualification and offering
US8833644 4 Sep 2013 16 Sep 2014 National Payment Card Association Payment system and methods
US8843125 2 Dec 2011 23 Sep 2014 Sk C&C System and method for managing mobile wallet and its related credentials
US8874075 9 Oct 2012 28 Oct 2014 Willard S. Dean System and method for utilizing a user's mobile phone account as a funding source
US9064252 30 Jun 2014 23 Jun 2015 National Payment Card Association Payment system and methods
US9161218 2 Dec 2011 13 Oct 2015 Mozido Corfire—Korea, Ltd. System and method for provisioning over the air of confidential information on mobile communicative devices with non-UICC secure elements
US9191813 2 Dec 2011 17 Nov 2015 Mozido Corfire—Korea, Ltd. System and method for managing OTA provisioning applications through use of profiles and data preparation
US9208488 19 Nov 2012 8 Dec 2015 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US9292870 * 3 Jun 2011 22 Mar 2016 Qualcomm Incorporated System and method for point of service payment acceptance via wireless communication
US9311659 * 18 Nov 2013 12 Apr 2016 Michelle Fisher Remote transaction processing at a server from a list using a payment method
US9489673 10 Apr 2015 8 Nov 2016 National Payment Card Association Payment system and methods
US9767453 28 Nov 2012 19 Sep 2017 XRomb Inc. System and method for processing payment during an electronic commerce transaction
US20070143838 * 21 Dec 2005 21 Jun 2007 Thomas Milligan Systems and methods for automatic secret generation and distribution for secure systems
US20090063352 * 29 Aug 2008 5 Mar 2009 Lance Kaufman Methods and systems for monetary exchange and transfer
US20090214034 * 26 Feb 2008 27 Aug 2009 Rohit Mehrotra Systems and methods for enabling electronic messaging with recipient-specific content
US20090228966 * 17 May 2007 10 Sep 2009 Fronde Anywhere Limited Authentication Method for Wireless Transactions
US20100098249 * 27 May 2009 22 Apr 2010 Samsung Electronics Co., Ltd. Method and apparatus for encrypting data and method and apparatus for decrypting data
US20100174653 * 7 Jan 2009 8 Jul 2010 Tian Weicheng Secure method and device of financial transaction
US20100268778 * 15 Oct 2008 21 Oct 2010 Electronics And Telecommunications Research Institute Apparatus and method for sharing identity in ubiquitous environment
US20110071914 * 22 Sep 2009 24 Mar 2011 Murphy Oil Usa, Inc. Method and Apparatus for Secure Transaction Management
US20110184819 * 28 Jan 2010 28 Jul 2011 Bank Of America Corporation Audible transaction process and system
US20110184820 * 28 Jan 2010 28 Jul 2011 Bank Of America Corporation Mobile device consumer interface process and system
US20110231316 * 9 Mar 2011 22 Sep 2011 Cummins Intellectual Properties, Inc. Method, system and computer readable media containing a program for identifying whether a product is genuine
US20120123887 * 17 Nov 2010 17 May 2012 International Business Machines Corporation Systems and methods for face-to-face mobile phone mercantile transactions
US20130055362 * 22 Aug 2011 28 Feb 2013 Verizon Patent And Licensing Inc. Authenticating via mobile device
US20140279108 * 14 Mar 2013 18 Sep 2014 William P. Vasquez Systems and methods for integrated, secure point-of-sale transactions having a terminal management system
US20150142541 * 18 Nov 2013 21 May 2015 Michelle T. Fisher Remote transaction processing at a server based on user confiration and a default payment method
WO2012100351A1 * 27 Jan 2012 2 Aug 2012 Royal Canadian Mint/Monnaie Royale Canadienne Electronic transaction risk management
WO2013039714A1 * 31 Aug 2012 21 Mar 2013 Igt Gaming system, gaming device and method for utilizing bitcoins
WO2013126913A1 * 25 Feb 2013 29 Aug 2013 P97 Networks, Inc. Fuel purchase transaction method and system
WO2014082164A1 * 29 Nov 2013 5 Jun 2014 XRomb Inc. System and method of processing payment at a point-of-sale terminal using a mobile device
U.S. Classification 705/67, 705/75
Cooperative Classification G06Q20/102, G06Q20/401, G06Q20/341, G06Q20/363, G06Q20/10, G06Q20/3227, G06Q20/02, G06Q20/3674, G07F7/1008, G06Q20/40, G07F7/0866, G06Q20/3552, G06Q20/12, G07F7/0886, G06Q20/32, G06Q20/04
European Classification G06Q20/12, G06Q20/04, G06Q20/02, G06Q20/363, G06Q20/32, G06Q20/102, G06Q20/3552, G06Q20/3227, G06Q20/10, G07F7/08G2P, G06Q20/341, G06Q20/401, G07F7/10D, G07F7/08C, G06Q20/40, G06Q20/3674
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:LABROU, YANNIS;JI, LUSHENG;AGRE, JONATHAN RUSSELL;AND OTHERS;REEL/FRAME:016519/0245;SIGNING DATES FROM 20050405 TO 20050414
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:LABROU, YANNIS;JI, LUSHENG;AGRE, JONATHAN RUSSELL;AND OTHERS;SIGNING DATES FROM 20050405 TO 20050414;REEL/FRAME:016519/0245