Method and Device for End-User Verification of an Electronic Transaction
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Accused Products
Abstract
The present invention provides methods and apparatuses for verifying that a transaction is legitimate. The methods and apparatuses use protected memory space, such as kernel space of an operating system, or a separate memory space, such as is available on a SIM card of a cellular phone. The method of the invention proceeds by creating a transaction identification string (TID) and associating the TID with a transaction. The TID contains data relevant to or associated with the transaction and is typically readable by an end-user. The transaction is then interrupted until a user responds in the affirmative to allow completion of the transaction. Methods and devices used in the invention are particularly well suited to M-commerce, where transactions originating from a device are typically recognized by a merchant as coming from the owner of the device without further authentication.
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Citations
45 Claims
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1-25. -25. (canceled)
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26. A method comprising:
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creating a transaction identification string in a memory of an end-user device, the transaction identification string associated with a transaction between the end-user device and a merchant device; interrupting an electronic communication between the end-user device and the merchant device before completion of the transaction, wherein the electronic communication is associated with the transaction; displaying the transaction identification string on the end-user device; disallowing further electronic communication between the end-user device and the merchant device until receipt of user input responsive to the displaying; and allowing communication between the end-user device and the merchant device about the transaction in response to user input indicating that the transaction should be accepted. - View Dependent Claims (27, 28, 29, 30, 31, 32, 33, 34)
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35. An apparatus comprising:
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a processor; and a memory to store computer program instructions, the computer program instructions when executed on the processor cause the processor to perform operations comprising; creating a transaction identification string in a memory of an end-user device, the transaction identification string associated with a transaction between the end-user device and a merchant device; interrupting an electronic communication between the end-user device and the merchant device before completion of the transaction, wherein the electronic communication is associated with the transaction; displaying the transaction identification string on the end-user device; disallowing further electronic communication between the end-user device and the merchant device until receipt of user input responsive to the displaying; and allowing communication between the end-user device and the merchant device about the transaction in response to user input indicating that the transaction should be accepted. - View Dependent Claims (36, 37, 38, 39)
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40. A computer readable medium storing computer program instruction, which, when executed on a processor, cause the processor to perform operations comprising:
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creating a transaction identification string in a memory of an end-user device, the transaction identification string associated with a transaction between the end-user device and a merchant device; interrupting an electronic communication between the end-user device and the merchant device before completion of the transaction, wherein the electronic communication is associated with the transaction; displaying the transaction identification string on the end-user device; disallowing further electronic communication between the end-user device and the merchant device until receipt of user input responsive to the displaying; and allowing communication between the end-user device and the merchant device about the transaction in response to user input indicating that the transaction should be accepted. - View Dependent Claims (41, 42, 43, 44, 45)
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Specification