MOBILE INFORMATION APPARATUS SUPPORTING MOBILE PAYMENT THAT INCLUDES SECURITY BASED, AT LEAST PARTLY, ON USER PUSHBUTTON, USER BIOMETRICS, DATA ENCRYPTION, AND SHORT PHYSICAL DISTANCE WIRELESS COMMUNICATION
First Claim
1. A mobile information apparatus operable for making mobile payments by short range wireless communication with a wireless controller device that is within a limited physical distance, the wireless output controller being a distinct device from the mobile information apparatus, the mobile information apparatus comprising:
- a processing unit;
operating system software;
a touch sensitive screen interface for interacting with the user;
an antenna for transmitting short range radio frequency signals to wireless controller devices that are within a limited physical distance from the mobile information apparatus;
a wireless communication unit for managing local wireless communication with wireless controller devices that are within a limited physical distance from the mobile information apparatus;
a memory or storage unit storing at least part of payment information at the information apparatus, the payment information being associated, at least in part, with a credit card or a bank card related to the user of the mobile information apparatus;
wherein the mobile information apparatus is configured for;
discovering, over the antenna of the mobile information apparatus, the wireless output controller, the discovering of the wireless output controller is limited to when the mobile information apparatus is within a limited local physical distance from the wireless output controller;
establishing, by the wireless communication unit over the antenna, a short range radio frequency communication link directly between the mobile information apparatus and the wireless output controller;
generating, at the mobile information apparatus, encrypted output data for ensuring security of communication from the mobile information apparatus to the wireless output controller for transaction management, the encrypted output data is associated with the payment information stored at the memory or storage unit of the mobile information apparatus, and the payment information is associated, at least partly, with a credit card;
obtaining, from the user of the mobile information apparatus, biometric information as an authentication;
receiving at least an indication from the user of the mobile information apparatus via pushbutton interface authorizing the release of payment information from the mobile information apparatus to the wireless output controller; and
subsequent to the biometric authentication and the indication from the user via a pushbutton interface authorizing payment, the mobile information apparatus is operable for wireless transmitting at least part of the encrypted output data, over the short range radio frequency communication link directly from the mobile information apparatus, to the wireless output controller for processing payment associated with a transaction.
1 Assignment
0 Petitions
Accused Products
Abstract
A mobile information apparatus for making mobile payments associated with a credit card, via a near distance radio frequency wireless communication unit, is herein disclosed and enabled. At least part of the payment information is stored in the mobile information apparatus with an encryption technique. To make a payment, the user approximates the mobile information apparatus to within a limited local physical distance of a wireless output controller, and the biometrics of the user is obtained by the mobile information apparatus as a security measure. The user authorizes the payment by using a push button on the mobile information apparatus, and subsequent to the having received the biometric authentication and user push button, the mobile information apparatus releases the payment information that includes encrypted data associated with a transaction over a short range radio frequency communication link to the wireless output controller for payment and transaction processing.
-
Citations
20 Claims
-
1. A mobile information apparatus operable for making mobile payments by short range wireless communication with a wireless controller device that is within a limited physical distance, the wireless output controller being a distinct device from the mobile information apparatus, the mobile information apparatus comprising:
-
a processing unit; operating system software; a touch sensitive screen interface for interacting with the user; an antenna for transmitting short range radio frequency signals to wireless controller devices that are within a limited physical distance from the mobile information apparatus; a wireless communication unit for managing local wireless communication with wireless controller devices that are within a limited physical distance from the mobile information apparatus; a memory or storage unit storing at least part of payment information at the information apparatus, the payment information being associated, at least in part, with a credit card or a bank card related to the user of the mobile information apparatus; wherein the mobile information apparatus is configured for; discovering, over the antenna of the mobile information apparatus, the wireless output controller, the discovering of the wireless output controller is limited to when the mobile information apparatus is within a limited local physical distance from the wireless output controller; establishing, by the wireless communication unit over the antenna, a short range radio frequency communication link directly between the mobile information apparatus and the wireless output controller; generating, at the mobile information apparatus, encrypted output data for ensuring security of communication from the mobile information apparatus to the wireless output controller for transaction management, the encrypted output data is associated with the payment information stored at the memory or storage unit of the mobile information apparatus, and the payment information is associated, at least partly, with a credit card; obtaining, from the user of the mobile information apparatus, biometric information as an authentication; receiving at least an indication from the user of the mobile information apparatus via pushbutton interface authorizing the release of payment information from the mobile information apparatus to the wireless output controller; and subsequent to the biometric authentication and the indication from the user via a pushbutton interface authorizing payment, the mobile information apparatus is operable for wireless transmitting at least part of the encrypted output data, over the short range radio frequency communication link directly from the mobile information apparatus, to the wireless output controller for processing payment associated with a transaction. - View Dependent Claims (2, 3, 4, 5, 6)
-
-
7. A method for mobile payment operable with a mobile information apparatus, the mobile information apparatus having:
-
a processing unit, operating system software that is executable, at least partly, by the processing unit of the mobile information apparatus, a touch sensitive screen interface for interacting with the user, an antenna for transmitting short range radio frequency for wireless communication with wireless controller devices that are within a limited physical distance from the mobile information apparatus, a wireless communication unit for managing local wireless communication with a wireless controller device that is within a limited physical distance from the mobile information apparatus, a memory or storage unit storing at least part of payment information at the information apparatus, the payment information being associated, at least in part, with a credit card or a bank card related to the user of the mobile information apparatus, the method comprising; establishing, by the wireless communication unit and over the antenna, a short range radio frequency communication link directly between the mobile information apparatus and a wireless output controller, the wireless output controller being a distinct and separate device from the mobile information apparatus, and the establishing of the short range radio frequency communication link is limited to when the mobile information apparatus is within a limited physical distance from the wireless output controller; generating, at the mobile information apparatus, encrypted output data for ensuring security of communication from the mobile information apparatus to the wireless output controller, the encrypted output data is associated with the payment information, and the payment information is associated, at least partly, with a credit card or a bank card; obtaining, from the user of the mobile information apparatus, biometric information as an authentication; receiving at least an indication from the user of the mobile information apparatus via pushbutton interface authorizing the release of payment information from the mobile information apparatus to the wireless output controller; and subsequent to the biometric authentication and the indication from the user via a pushbutton interface authorizing payment, wireless transmitting at least part of the encrypted output data, over the short range radio frequency communication link directly from the mobile information apparatus, to the wireless output controller for processing payment associated with a transaction. - View Dependent Claims (8, 9, 10, 11, 12, 13)
-
-
14. A mobile information apparatus system for mobile payment, the system comprising:
-
a processing unit; software executable by the processing unit for obtaining, at the mobile information apparatus system, biometric information associated with the user of the mobile information apparatus; a touch sensitive screen interface for interacting with the user; a pushbutton interface for interacting with the user; a memory or storage unit storing at least part of payment information at the information apparatus, the payment information being associated, at least in part, with a credit card or a bank card related to the user of the mobile information apparatus system; an antenna for transmitting short range radio frequency signals; and a wireless communication unit for establishing short range radio frequency communication, and wherein subsequent to having obtained the biometric information from the user and having received an indication via the pushbutton interface authorizing payment, the wireless communication unit is configured for; managing local wireless communication with a wireless output controller that is within a limited physical distance from the mobile information apparatus; establishing, a short range radio frequency communication link directly between the mobile information apparatus and a wireless output controller, the wireless output controller being a distinct and separate device from the mobile information apparatus, and the establishing of the short range radio frequency communication link is limited to when the mobile information apparatus is within a limited physical distance from the wireless output controller; obtaining payment information from the memory or storage unit, the payment information is associated, at least partly, with a credit card or a bank card; encrypting data for communication, the encryption being for ensuring security of communication from the mobile information apparatus to the wireless output controller; and transmitting the payment information that includes encrypted data, over the short range radio frequency communication link directly from the mobile information apparatus, to the wireless output controller for processing payment. - View Dependent Claims (15, 16, 17, 18, 19, 20)
-
Specification