Secured Electronic Transaction System

• US 20090288012A1
• Filed: 05/18/2009
• Published: 11/19/2009
• Est. Priority Date: 05/18/2008
• Status: Abandoned Application

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Zetawire Inc. (Alphabet Inc.)
• Inventors: Hertel, Alexander Wolfgang Karl Kurt, Hertel, Philipp Frank Hermann Udo, Braverman, Mark, Graham, John David Trevor
• Application Number:
  US12/467,991
• Publication Number:
  US 20090288012A1
• Time in Patent Office: Days
• US Class Current: 715/738
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• 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 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0275 Auctions
• CPC Class Codes: G07F 9/001 Interfacing with vending machines using mobile or wearable devices
• CPC Class Codes: G07F 9/009 User recognition or proximity detection

Abstract

A configuration (a system and/or a method) are disclosed that includes a unified and integrated configuration that is composed of a payment system, an advertising system, and an identity management system as well as their associated methods such that the unified system has all of the benefits of the individual systems as well as several additional synergistic benefits. Also described are specific configurations (subsystems and/or methods) including the system'"'"'s access point architecture, a user interface that acts as a visual wallet simulator, a security architecture, coupon handling as well as the system'"'"'s structure and means for delivering them as targeted advertising, business card handling, membership card handling for the purposes of login management, receipt handling, and the editors and grammars provided for customizing the different types of objects in the system as well as the creation of new custom objects with custom behaviors. The configurations are operable on-line as well as through physical presence transactions, e.g., mobile transaction through a mobile phone or dedicated device at a physical site for a transaction.

Claims

1. A method for initiating a transaction between a first party and a second party through a third party transaction system, the method comprising:

executing a drag origin and drop target;

selecting a digital object from the drag origin, the digital object having information for use in conducting the transaction;

dragging the selected digital object and dropping the digital object on the drop target;

transmitting, in response to dropped digital object, instructions to the third party transaction system the information for use in having the third party conduct the transaction.

2. The method of claim 1, wherein the drag origin comprises a coupon dispenser, the drop target is an electronic wallet.

3. The method of claim 1, wherein the digital object comprises a graphical image corresponding to a payment instrument, said drag origin is said electronic wallet, said drop target is a payment receptacle.