SYSTEMS AND METHODS FOR AN ENHANCED, STEGANOGRAPHIC, EMBEDDED SECURE TRANSACTION SYSTEM

• US 20130227594A1
• Filed: 02/09/2013
• Published: 08/29/2013
• Est. Priority Date: 02/11/2010
• Status: Abandoned Application

• Current Assignee: Arkady Erlikhman, Christopher Boone, Dan Kikinis, Perry Gregg
• Original Assignee: Arkady Erlikhman, Christopher Boone, Dan Kikinis, Perry Gregg
• Inventors: Boone, Christopher, Kikinis, Dan, Erlikhman, Arkady, Gregg, Perry
• Application Number:
  US13/763,621
• Publication Number:
  US 20130227594A1
• Time in Patent Office: Days
• US Class Current: 725/5
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• 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 20/3674 involving authentication
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: H04N 21/2543 Billing , e.g. for subscription services payment schemes, architectures or protocols G06Q20/00; e-commerce G06Q30/00; arrangements for billing for the use of broadcast information or broadcast-related information H04H60/21

Abstract

A system for multipath contactless transaction processing, comprising a networked server comprising a processing unit, a billing entity based on a first networked computing device comprising a processing unit and a video feed, the feed interloping a television broadcast video signal, the signal made available to potential purchasers to watch, wherein, during said viewing, a cue is provided whenever a transaction or interaction is available for scanning by a mobile device, and wherein, the user is prompted accordingly to act upon using the device.

Claims

1. A system for multipath contactless transaction processing, comprising:

a networked server comprising a processing unit,

a billing entity based on a first networked computing device comprising a processing unit and a video feed, the feed interloping a television broadcast video signal, the signal made available to potential purchasers to watch,

wherein, during said viewing, a cue is provided whenever a transaction or interaction is available for scanning by a mobile device; and

wherein, the user is prompted accordingly to act upon using the device.

2. The system of claim 1, wherein the paying user is prompted for a PIN, and the verification for said PIN is only stored at the server in a local storage.

3. The system of claim 2, where a payer enters his PIN on his paying entity computing device.

4. The system of claim 3, wherein the customer'"'"'s monetary account information is only stored at the server in a local storage.

5. The system of claim 4, wherein the customer is identified by the device ID of his mobile computing device.

6. The system of claim 5, wherein the ID is stored during a registration including a PIN and one or more items of financial institution information including some monetary account information.

7. Software in a machine readable format, installable on a mobile computing device, which allows the capture of a visual indicia containing a nonce, and transmitting information contained in the visual indicia with additional identifying information such as a device ID to a server.

8. The software of claim 7, wherein additionally the customer is prompted to enter a PIN and said PIN is also transmitted to the server.

9. Software in a machine-readable format, installable on a computing-device-based register, wherein the software can request from a server a visual indicia containing a nonce, the nonce containing at least some information about the location and the merchant operating the register or an index to that information on the server, and displaying the nonce on at least one screen visible to a customer.

10. The software of claim 9, wherein additional information such as a total amount is sent to the server, and said total amount is hence included in the information of the visual indicia containing a nonce, or indexed on the server by the visual indicia containing a nonce.

11. A system for multipath contactless transaction processing, comprising:

a networked server comprising a processing unit, a billing entity based on a first networked computing device comprising a processing unit and a video screen, the video screen at least sometimes viewable by a purchaser interacting with the point-of-sale processing system;

wherein, during a transaction, a graphical indicia is displayed on the video screen in a form suitable for photographing or scanning by a payment entity mobile computing device; and

wherein the payment entity mobile computing device includes in its payment response an identifier for the nonce, an encrypted version of the PIN and additional information, including at least one of the phone number, a unique device ID, a GPS-based location information, a network tower based location or an IP address based information.

12. A system for payment, including a server, a billing entity based on a first networked computing device, and a paying entity based on a second networked computing device, wherein the billing entity computing device upon request to the server receives a nonce separately for each transaction, with the nonce being replaced each time a predetermined time period has elapsed, these replacements occurring regularly until the transaction is completed.

13. The system of claim 12, wherein the paying user is prompted for a PIN, and the verification for said PIN is only stored at the server in a local storage.

14. The system of claim 13, where a payer enters his PIN on his paying entity computing device.

15. The system of claim 14, wherein the customer'"'"'s monetary account information is only stored at the server in a local storage.

16. The system of claim 15, wherein the customer is identified by the device ID of his mobile computing device.

17. The system of claim 16, wherein said ID is stored during a registration including a PIN and one or more items of financial institution information including some monetary account information.

18. Software in a machine-readable format, installable on a mobile computing device, which allows the capture of a visual indicia containing a nonce, and transmitting information contained in the visual indicia with additional identifying information such as a device ID to a server.

19. The software of claim 18, wherein additionally the customer is prompted to enter a PIN and said PIN is also transmitted to the server.

20. Software in a machine readable format, installable on a computing-device-based register, wherein the software can request from a server a visual indicia containing a nonce, the nonce containing at least some information about the location and the merchant operating the register or an index to that information on the server, and displaying the nonce on at least one screen visible to a customer.

21. The software of claim 20, wherein additional information such as a total amount is sent to the server, and the total amount is hence included in the information of the visual indicia containing a nonce, or indexed on the server by the visual indicia containing a nonce.