METHOD OF AND SYSTEM FOR SECURE ON-LINE PURCHASES

• US 20100063893A1
• Filed: 12/04/2008
• Published: 03/11/2010
• Est. Priority Date: 09/11/2008
• Status: Abandoned Application

• Current Assignee: Hewlett-Packard Development Company, L.P. (HP Inc.)
• Original Assignee: Palm, Inc. (TCL Technology Group Corp.)
• Inventors: Townsend, Karl
• Application Number:
  US12/328,654
• Publication Number:
  US 20100063893A1
• Time in Patent Office: Days
• US Class Current: 705/26
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0603 Catalogue ordering

Abstract

A mobile computing device includes a display, a storage medium, and a processing circuit. The storage medium is for storing a secure element for transactions. The processing circuit is configured so that a user can purchase the product from an on-line merchant using the secure element to make an on-line payment. The mobile device can be a personal digital assistant, a handheld computer, a smart phone, a cellular phone or other computing device.

Claims

1. A mobile computing device, comprising:

a display;

a storage medium for storing a secure element for transactions; and

a processing circuit configured so that a user can purchase the product from an on-line merchant to make an on-line payment.

2. The device of claim 1, wherein the processing circuit is configured to communicate with a transaction system of the on-line merchant, wherein the processing circuit provides credit card information to the transaction system.

3. The device of claim 2, wherein the processor also provides personal information to the transactions system.

4. The device of claim 2, wherein the credit card information includes a credit card number and a date of expiration.

5. The device of claim 4, wherein the credit card information includes a card verification number.

6. The device of claim 5, wherein the personal information includes address information.

7. The device of claim 1, wherein the processing circuit is configured for a secure web-based communications connection.

8. The device of claim 1, wherein the use of the secure element allows the transaction to be a card present status transaction.

9. The device of claim 1, wherein the processing circuit provides reviews of the merchants.

10. The device of claim 1, wherein the device includes cellular telephone capabilities.

11. The device of claim 1, wherein the device further comprises a near field communication system for transactions using a point of sale device.

12. A method of purchasing a product using a mobile computing device, the method comprising:

providing secure element data to an on-line merchant or agent thereof, thereby obtaining card present status for an on-line transaction, the secure element data being stored in storage associated with the mobile computing device; and

providing an on-line payment screen for the on-line store or providing an indication of a discount for a purchase in the physical store.

13. The method of claim 12, wherein the on-line payment screen includes personal information.

14. The method of claim 12, wherein the personal information includes an address.

15. The method of claim 12, wherein the secure element is stored on a memory card.

16. The method of claim 12, wherein the secure element stores credit card information.

17. A mobile computing device, comprising:

a display; and

a processing circuit configured to provide an image to the display, wherein the image includes an interface allowing the user to make an on-line purchase, the processing circuit configured to provide credit card information stored on a secure element for the on-line purchase.

18. The mobile computing device of claim 17, wherein the secure element is stored on a removable device for use in the mobile computing device.

19. The mobile computing device of claim 18, wherein communication for the on-line purchase is a secure web communication.

20. The mobile computing device of claim 18, wherein the mobile computing device includes cellular phone capabilities.