SYSTEM AND DEVICE FOR FACILITATING A TRANSACTION BY CONSOLIDATING SIM, PERSONAL TOKEN, AND ASSOCIATED APPLICATIONS FOR ELECTRONIC WALLET TRANSACTIONS
First Claim
1. A smart card device for providing wireless network and secure personal token features to a communication device, said smart card device comprising:
- a memory element for storing at least one of;
a network profile, an identity profile, or a transaction instrument profile; and
a processor element in communication with said memory element, wherein said processor element is configured to receive a selection of at least one of;
said network profile, said identity profile, or said transaction instrument profile;
establish a connection between said communication device and a computing system by way of said wireless network; and
facilitate a transaction using a parameter stored with at least one of;
said network profile, said identity profile, or said transaction instrument profile.
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Accused Products
Abstract
The invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier'"'"'s network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user'"'"'s mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction.
353 Citations
12 Claims
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1. A smart card device for providing wireless network and secure personal token features to a communication device, said smart card device comprising:
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a memory element for storing at least one of;
a network profile, an identity profile, or a transaction instrument profile; anda processor element in communication with said memory element, wherein said processor element is configured to receive a selection of at least one of;
said network profile, said identity profile, or said transaction instrument profile;
establish a connection between said communication device and a computing system by way of said wireless network; and
facilitate a transaction using a parameter stored with at least one of;
said network profile, said identity profile, or said transaction instrument profile. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method for providing wireless network and secure personal token features to a communication device, said method comprising:
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storing, at a memory element, at least one of;
a network profile, an identity profile, or a transaction instrument profile;selecting, by a processor element, at least one of;
said network profile, said identity profile, or said transaction instrument profile;establishing, by said processor element, a connection between said communication device and a computing system by way of said wireless network; and facilitating, by said processor element, a transaction using a parameter stored with at least one of;
said network profile, said identity profile, or said transaction instrument profile. - View Dependent Claims (8, 9, 10, 11, 12)
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Specification