TRANSACTIONAL SERVICES

• US 20070198432A1
• Filed: 10/05/2006
• Published: 08/23/2007
• Est. Priority Date: 01/19/2001
• Status: Abandoned Application

• Current Assignee: Mastercard Mobile Transactions Solutions, Inc. (MasterCard Incorporated)
• Original Assignee: Mastercard Mobile Transactions Solutions, Inc. (MasterCard Incorporated)
• Inventors: Pitroda, Satyan, Desai, Mehul
• Application Number:
  US11/539,024
• Publication Number:
  US 20070198432A1
• Time in Patent Office: Days
• US Class Current: 705/64
• CPC Class Codes: G06F 21/606 by securing the transmission between two devices or processes
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/045 using payment protocols involving tickets
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/145 Payments according to the detected use or quantity
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 : Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 : Identity check for transactions
• CPC Class Codes: G06Q 20/42 : Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 2220/00 : Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G16H 10/60 : for patient-specific data, e.g. for electronic patient records
• CPC Class Codes: G16Z 99/00 : Subject matter not provided for in other main groups of this subclass
• CPC Class Codes: H04L 63/0428 : wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 63/06 : for supporting key management in a packet data network cryptographic mechanisms or cryptographic arrangements for key management H04L9/08
• CPC Class Codes: H04L 63/08 : for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/0838 : using one-time-passwords

Abstract

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

Claims

1-434. -434. (canceled)

435. A method, comprising

providing a universal electronic transaction facility,

wherein the universal electronic transaction facility is capable of interacting securely with multiple domains.

436. The method of claim 435, wherein

the universal electronic transaction facility interacts with multiple domains wirelessly.

437. The method of claim 435, wherein

the universal electronic transaction facility interacts with multiple domains via wired connections.

438. The method of claim 435, wherein

the universal electronic transaction facility provides a personalized token to a user via a client device.

439. The method of claim 438, wherein

the client device is a personal client device.

440. The method of claim 438, wherein

the client device is a public device for temporary personal use.

441. The method of claim 435, wherein

the universal electronic transaction facility initiates a transaction from a client device.

442. The method of claim 435, wherein

the universal electronic transaction facility completes a transaction from the client device.

443. The method of claim 435, wherein

the universal electronic transaction facility transmits to the client device a response for an executed transaction.

444. The method of claim 443, wherein

the response comprises an acknowledgement of the executed transaction.

445. The method of claim 443, wherein

the response comprises a receipt for an executed transaction.

446. A system, comprising

a universal electronic transaction facility,

wherein the universal electronic transaction facility is capable of interacting securely with multiple domains.

447. The system of claim 446, wherein

the universal electronic transaction facility interacts with multiple domains wirelessly.

448. The system of claim 446, wherein

the universal electronic transaction facility interacts with multiple domains via wired connections.

449. The system of claim 446, wherein

the universal electronic transaction facility provides a personalized token to a user via a client device.

450. The system of claim 449, wherein

the client device is a personal client device.

451. The system of claim 449, wherein

the client device is a public device for temporary personal use.

452. The system of claim 446, wherein

the universal electronic transaction facility initiates a transaction from a client device.

453. The system of claim 446, wherein

the universal electronic transaction facility completes a transaction from the client device.

454. The system of claim 446, wherein

the universal electronic transaction facility transmits to the client device a response for an executed transaction.

455. The system of claim 454, wherein

the response comprises an acknowledgement of the executed transaction.

456. The system of claim 454, wherein

the response comprises a receipt for an executed transaction.

457. A method, comprising:

receiving data from a universal electronic transaction facility; and

carrying out a transaction in response to the data received from a universal electronic transaction facility.

458-2346. -2346. (canceled)