METHOD AND APPARATUS FOR PROXIMITY PAYMENT PROVISIONING BETWEEN A WIRELESS COMMUNICATION DEVICE AND A TRUSTED PARTY

• US 20080313082A1
• Filed: 06/14/2007
• Published: 12/18/2008
• Est. Priority Date: 06/14/2007
• Status: Abandoned Application

• Current Assignee: Motorola, Inc. (Motorola Solutions, Inc.)
• Original Assignee: Motorola, Inc. (Motorola Solutions, Inc.)
• Inventors: VAN BOSCH, JAMES A., RAGER, KENT D., BRAUN, MARK R.
• Application Number:
  US11/763,203
• Publication Number:
  US 20080313082A1
• Time in Patent Office: Days
• US Class Current: 705/50
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/357 Cards having a plurality of specified features
• CPC Class Codes: G06Q 20/4014 Identity check for transactions

Abstract

A method for proximity payment provisioning by a wireless communication device is disclosed. A photo image of a user of the wireless communication device is loaded. The loaded photo image is transmitted to a trusted party via a communication network. A superimposed photo image is received from the trusted party, wherein the photo image is superimposed with a watermark. The received superimposed photo image is stored in a memory.

Claims

1. A method for proximity payment provisioning by a wireless communication device, comprising:

loading a photo image of a user of the wireless communication device;

transmitting the loaded photo image to a trusted party via a communication network;

receiving a superimposed photo image from the trusted party, wherein the photo image is superimposed with a watermark; and

storing the received superimposed photo image in a memory.

2. The method of claim 1, wherein loading the photo image further comprises:

capturing the photo image using a camera integrated in the wireless communication device; and

storing the captured photo image in the wireless communication device.

3. The method of claim 1, wherein transmitting further comprises transmitting personalized data of the user to the trusted party along with the photo image.

4. The method of claim 3, wherein the personalized data further comprises a signature of the user, a name of the user, or a date of birth of the user.

5. The method of claim 1, wherein the watermark superimposed on the photo image comprises an approval code, a user id of the user, a device id of a hardware component of the wireless communication device, or a serial number of the wireless communication device.

6. A method for proximity payment provisioning by a trusted party, comprising:

receiving a photo image of a user of a wireless communication device;

superimposing the received photo image with a watermark;

calculating an authentication code of the superimposed photo image; and

storing the authentication code in a memory.

7. The method of claim 6 further comprises:

verifying whether the received photo image is a legible photo image before superposing the watermark on the photo image; and

requesting the user of the wireless communication device to transmit a new photo image if the received photo image is not a legible photo image.

8. The method of claim 6, wherein the trusted party is a network server of a financial institution.

9. The method of claim 6 further comprises transmitting the superimposed photo image to the wireless communication device.

10. The method of claim 6, wherein the watermark superimposed on the photo image comprises an approval code, a user identifier of the user, a device identifier of a hardware component of the wireless communication device, or a serial number of the wireless communication device.

11. The method of claim 6, wherein the authentication code is a cryptographic hash digest code, a hash message authentication code, an encrypted value, or digital signatures.

12. A wireless communication device for proximity payment provisioning in conjunction with a trusted party, comprising:

a photo image loader configured to load a photo image of a user of the wireless communication device;

a transceiver configured to transmit the photo image to the trusted party via a communication network and receive a superimposed photo image of the user of the wireless communication device from the trusted party, the superimposed photo image comprising the photo image superimposed with a watermark; and

a memory configured to store the superimposed photo image of the user of the wireless communication device.

13. The wireless communication device of claim 12, wherein the transceiver is further configured to transmit personalized information of the user of the wireless communication device to the trusted party along with the photo image.

14. The wireless communication device of claim 12, further comprising an encrypting circuit for calculating an authentication code of the superimposed photo image received from the trusted party.

15. The wireless communication device of claim 12, wherein the watermark is an approval code, a user id of the user of the wireless communication device, a device id of a hardware component of the wireless communication device, or a serial number of the wireless communication device, or other personalized data.

16. A trusted party for proximity payment provisioning in conjunction with a wireless communication device, comprising:

a transceiver configured to receive a photo image of a user of the wireless communication device via a communication network;

a superimposing circuit configured to superimpose a watermark on the received photo image;

an encrypting circuit configured to calculate an authentication code of the superimposed photo image; and

a memory configured to store the authentication code of the superimposed photo image.

17. The trusted party of claim 16, further comprising a photo reader configured to verify whether the received photo image is a legible photo image or not before superimposing the watermark on the photo image.

18. The trusted party of claim 16, wherein the transceiver is further configured to transmit the superimposed photo image to the wireless communication device.

19. A method for proximity payment provisioning by a wireless communication device, comprising:

capturing a photo image of a user of the wireless communication device;

transmitting the captured photo image to the trusted party along with a device identifier of the wireless communication device via a communication network;

receiving a superimposed photo image from the trusted party, wherein the photo image is superimposed with a watermark; and

storing the superimposed photo image in a memory.

20. A method for proximity payment provisioning by a trusted party, comprising:

receiving a photo image of a user of a wireless communication device along with a device identifier of the wireless communication device;

superimposing the received photo image with a watermark;

transmitting the superimposed photo image to the wireless communication device;

calculating an authentication code of the superimposed photo image; and

storing the authentication code in a memory.

21. The method of claim 20, wherein the step of superimposing the received photo image further comprises pre-pending the received device identifier on the superimposed photo image before the step of calculating.

22. The method of claim 20, wherein the device identifier is a unique identifier of a hardware component of the wireless communication device.