SYSTEM AND METHOD FOR MAKING ELECTRONIC PAYMENTS FROM A WIRELESS MOBILE DEVICE

• US 20090233579A1
• Filed: 05/06/2008
• Published: 09/17/2009
• Est. Priority Date: 03/14/2008
• Status: Active Grant

• Current Assignee: Malikie Innovations Limited (Key Patent Innovations Limited)
• Original Assignee: Research In Motion Limited (Blackberry Limited)
• Inventors: Castell, David, Chan, Eric
• Granted Patent: US 8,060,413 B2
• Time in Patent Office: Days
• US Class Current: 455/411
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

There is disclosed a system and method of making an electronic payment from a wireless mobile device. In an embodiment, the method comprises: providing an electronic wallet, the electronic wallet having a persistent store for storing data for one or more payment cards and a wallet security module configured to verify authorized access to the electronic wallet; and permitting access to the data for one or more payment cards stored in the electronic wallet upon verification of authorized access by the wallet security module. In an embodiment, the wallet security module is configured to store one or more of a password and biometric data, and the method further comprises: comparing any subsequently input password or biometric data to a password or biometric data previously supplied by the authorized user and stored in the wallet security module; and if the comparison matches or is within an acceptable range, then permitting access to the data for one or more payment cards stored in the electronic wallet.

Claims

1. A method of making an electronic payment from a wireless mobile device, comprising:

storing data for one or more payment cards in an electronic wallet provided in the wireless mobile device;

upon invocation of the electronic wallet by an external application, authenticating a current user of the wireless mobile device for authorizing access to the electronic wallet; and

upon successful authentication of the current user, providing data for one or more payment cards stored in the electronic wallet to the external application.

2. The method of claim 1, wherein the wireless mobile device includes an Internet browser, and the method further comprises invoking the electronic wallet with an external web application originating from an online vendor website.

3. The method of claim 2, further comprising receiving instructions embedded in a webpage originating from the online vendor website to invoke the electronic wallet.

4. The method of claim 3, wherein the instructions comprise one of meta-tags, mark-up or custom content types embedded in the webpage HTTP.

5. The method of claim 1, wherein the external application is a catalogue application executing on the wireless mobile device, and the electronic wallet is invoked upon selection of a menu option for payment using the electronic wallet.

6. The method of claim 1, wherein authenticating the current user comprises authenticating one or more of a password or previously supplied biometric data for an authorized user.

7. The method of claim 6, wherein the biometric data is one or more of a fingerprint input signal or a voiceprint input signal, and the method further comprises authenticating the current user by comparing one or more of the fingerprint input signal or the voiceprint input signal with one or more of a fingerprint input signal and a voiceprint input signal previously supplied by the authorized user and stored in the electronic wallet.

8. The method of claim 7, further comprising transmitting confirmation of authentication of the current user together with the data for one or more payment cards stored in the electronic wallet to the external application.

9. The method of claim 1, wherein the wireless mobile device includes a unique electronic serial number (ESN), a product identification number (PIN), or a telephone number, and the method further comprises transmitting one or more of the unique ESN, PIN or telephone number together with the data for the selected payment card to verify an authorized wireless mobile device.

10. The method of claim 1, further comprising:

encrypting the payment card data in the electronic wallet;

passing the encrypted payment card data through an intermediate vendor system;

decrypting the payment card data at a payment verification facility; and

returning a payment authorization code to the vendor system to confirm payment.

11. A system for making an electronic payment from a wireless mobile device, the system having processing means and memory adapted to:

store data for one or more payment cards in an electronic wallet provided in the wireless mobile device;

authenticate a current user of the wireless mobile device for authorizing access to the electronic wallet upon invocation of the electronic wallet by an external application; and

provide data for one or more payment cards stored in the electronic wallet to the external application upon successful authentication of the current user.

12. The system of claim 11, wherein the wireless mobile device includes an Internet browser, and the system is further adapted to invoke the electronic wallet with an external web application originating from an online vendor website.

13. The system of claim 12, wherein the system is further adapted to receive instructions embedded in a webpage originating from the online vendor website to invoke the electronic wallet.

14. The system of claim 13, wherein the instructions comprise one of meta-tags, mark-up or custom content types embedded in the webpage HTTP.

15. The system of claim 11, wherein the external application is a catalogue application executing on the wireless mobile device, and the electronic wallet is invoked upon selection of a menu option for payment using the electronic wallet.

16. The system of claim 11, wherein authenticating the current user comprises authenticating one or more of a password or previously supplied biometric data for an authorized user.

17. The system of claim 16, wherein the biometric data is one or more of a fingerprint input signal or a voiceprint input signal, and the system is further adapted to authenticate the current user by comparing one or more of the fingerprint input signal or the voiceprint input signal with one or more of a fingerprint input signal and a voiceprint input signal previously supplied by the authorized user and stored in the electronic wallet.

18. The system of claim 17, wherein the system is further adapted to transmit confirmation of authentication of the current user together with the data for one or more payment cards stored in the electronic wallet to the external application.

19. The system of claim 11, wherein the wireless mobile device includes a unique electronic serial number (ESN), a product identification number (PIN), or a telephone number, and the system is further adapted to transmit one or more of the unique ESN, PIN or telephone number together with the data for the selected payment card to verify an authorized wireless mobile device.

20. The system of claim 11, wherein the system is further adapted to:

encrypt the payment card data in the electronic wallet;

pass the encrypted payment card data through an intermediate vendor system;

decrypt the payment card data at a payment verification facility; and

return a payment authorization code to the vendor system to confirm payment.

21. A method for making an electronic payment from a wireless mobile device, comprising:

storing data for one or more payment cards in an electronic wallet provided in the wireless mobile device;

receiving a request from an external application to invoke the electronic wallet;

authenticating a current user of the wireless mobile device, using one or more of a password or previously supplied biometric data for an authorized user, for authorizing access to the electronic wallet upon invocation; and

providing data for one or more payment cards stored in the electronic wallet to the external application upon successful authentication of the current user.

22. The method of claim 21, wherein the biometric data is one or more of a fingerprint input signal or a voiceprint input signal, and the method further comprises authenticating the current user by comparing one or more of the fingerprint input signal or the voiceprint input signal with one or more of a fingerprint input signal and a voiceprint input signal previously supplied by the authorized user.

23. A data processor readable medium storing data processor code that when loaded onto a wireless mobile device adapts the device to make an electronic payment from a wireless mobile device, the data processor readable medium comprising:

code for storing data for one or more payment cards in an electronic wallet provided in the wireless mobile device;

code for authenticating a current user of the wireless mobile device for authorizing access to the electronic wallet upon invocation of the electronic wallet by an external application; and

code for providing data for one or more payment cards stored in the electronic wallet to the external application upon successful authentication of the current user.