Portable 1-way wireless financial messaging unit

• US 6,038,549 A
• Filed: 12/22/1997
• Issued: 03/14/2000
• Est. Priority Date: 12/22/1997
• Status: Expired due to Term

• Current Assignee: Google Technology Holdings LLC (Alphabet Inc.)
• Original Assignee: Motorola, Inc. (Motorola Solutions, Inc.)
• Inventors: Gutman, Jose, LaVell, Jeff, Davis, Walter Lee
• Primary Examiner(s): Trammell, James P.
• Assistant Examiner(s): Nguyen, Nga B.
• Application Number:
  US08/996,438
• Time in Patent Office: 813 Days
• Field of Search: 705/35, 705/39, 705/41, 705/42, 380/9, 380/25, 380/2, 380/23, 380/24, 358/426, 395/241, 395/239
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: H04L 63/0428 wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/12 Applying verification of the received information cryptographic mechanisms or cryptographic arrangements for data integrity or data verification H04L9/32
• CPC Class Codes: H04W 12/033 : of the user plane, e.g. user's traffic
• CPC Class Codes: H04W 12/06 : Authentication
• CPC Class Codes: H04W 12/10 : Integrity
• CPC Class Codes: H04W 4/12 : Messaging; Mailboxes; Announcements

Abstract

A secure messaging system including a secure messaging system controller (1100) and a first financial messaging unit (906). A user initiates a financial transaction by providing a transaction authentication code to the secure messaging system controller (1100). In response to the first financial messaging unit (906) receiving a secure financial transaction message containing a value, a user inputs the corresponding transaction authentication code that releases and disburses at least a portion of the value to the first financial messaging unit (906) for effecting a financial transaction.

Claims

1. A secure messaging system, comprising:

a secure messaging system controller; and

a first financial messaging unit, and wherein

a user initiates a financial transaction into the secure messaging system by providing a transaction authentication code at the secure messaging system controller, and

subsequently, in response to receiving a secure financial transaction message in the secure messaging system at the first financial messaging unit, the secure financial transaction message securely containing a value, and further in response to accepting a user input corresponding to the transaction authentication code at the first financial messaging unit, the first financial messaging unit releases and disburses at the first financial messaging unit at least a portion of the value to effect a financial transaction.

2. The secure messaging system of claim 1, wherein the transaction authentication code comprises at least one of the set of a password, an encryption key, a public key, and a session key.

3. The secure messaging system of claim 1, wherein the secure financial transaction message comprises a POCSAG format message.

4. The secure messaging system of claim 1, wherein the secure financial transaction message comprises a Motorola FLEX™

format message.

5. The secure messaging system of claim 1, wherein the value securely contained within the secure financial transaction message is encrypted within the secure financial transaction message.

6. The secure messaging system of claim 5, wherein the value is encrypted at least in part by public key cryptography.

7. The secure messaging system of claim 6, wherein the public key cryptography is implemented using elliptic curve cryptography.

8. The secure messaging system of claim 5, wherein the value is encrypted using symmetric private key cryptography.

9. The secure messaging system of claim 5, wherein the value is encrypted using asymmetric private key cryptography.

10. The secure messaging system of claim 1, further comprising at least one financial card of the set of a smart card and a value card, and

wherein a token is stored in the at least one financial card, the token corresponding to the transaction authentication code of the initiated financial transaction, and

wherein subsequent to initiating the financial transaction, in response to receiving the secure financial transaction message, and further in response to accepting the user input corresponding to the token stored in the at least one financial card at the first financial messaging unit, the first financial messaging unit releases and disburses at the first financial messaging unit at least a portion of the value to effect a financial transaction.

11. The secure messaging system of claim 10, wherein the first financial messaging unit communicates with the at least one financial card to store a token therein, the token corresponding to the transaction authentication code of the initiated financial transaction.

12. The secure messaging system of claim 10, wherein the first financial messaging unit communicates with the at least one financial card

to read a token stored in the at least one financial card, the token corresponding to the transaction authentication code of the initiated financial transaction, and

subsequently, in response to receiving the secure financial transaction message, and further in response to accepting the user input corresponding to the token stored in the at least one financial card, the first financial messaging unit communicates with the at least one financial card to release and disburse the at least a portion of the value at the first financial messaging unit to effect a financial transaction.

13. The secure messaging system of claim 12, wherein the first financial messaging unit communicates with the at least one financial card

to store a value in the at least one financial card, and

wherein the first financial messaging unit releases and disburses the at least a portion of the value as a stored value in the at least one financial card to effect a financial transaction.

14. The secure messaging system of claim 1, wherein the user initiates the financial transaction into the secure messaging system by the first financial messaging unit communicating with the secure messaging system controller via a two-way communication medium and thereby providing a transaction authentication code at the secure messaging system controller, and

subsequently, in response to receiving a secure financial transaction message in the secure messaging system at the first financial messaging unit, the secure financial transaction message securely containing a value, and further in response to accepting a user input corresponding to the transaction authentication code at the first financial messaging unit, the first financial messaging unit releases and disburses at the first financial messaging unit at least a portion of the value to effect a financial transaction.

15. The secure messaging system of claim 14, further comprising at least one financial card of the set of a smart card and a value card, and

wherein a token is stored in the at least one financial card, the token corresponding to the transaction authentication code of the initiated financial transaction, and

wherein subsequent to initiating the financial transaction, in response to receiving the secure financial transaction message, and further in response to accepting the user input corresponding to the token stored in the at least one financial card at the first financial messaging unit, the first financial messaging unit releases and disburses at the first financial messaging unit at least a portion of the value to effect a financial transaction.

16. The secure messaging system of claim 15, wherein the first financial messaging unit communicates with the at least one financial card

to read a token stored in the at least one financial card, the token corresponding to the transaction authentication code of the initiated financial transaction, and

subsequently, in response to receiving the secure financial transaction message, and further in response to accepting the user input corresponding to the token stored in the at least one financial card, the first financial messaging unit communicates with the at least one financial card to release and disburse the at least a portion of the value at the first financial messaging unit to effect a financial transaction.

17. The secure messaging system of claim 16, wherein the first financial messaging unit communicates with the at least one financial card

to store a value in the at least one financial card, and

wherein the first financial messaging unit releases and disburses the at least a portion of the value as a stored value in the at least one financial card to effect a financial transaction.

18. A secure messaging system, comprising:

a secure messaging system controller;

a first financial messaging unit, and

a second financial messaging unit associated with the first financial messaging unit in the secure messaging system, and wherein

a user initiates a financial transaction into the secure messaging system by the first financial messaging unit communicating with the secure messaging system controller via a two-way communication medium and thereby providing a transaction authentication code at the secure messaging system controller, and

subsequently, in response to receiving a secure financial transaction message in the secure messaging system at the second financial messaging unit, the secure financial transaction message securely containing a value, and further in response to accepting a user input corresponding to the transaction authentication code at the second financial messaging unit, the second financial messaging unit releases and disburses at the second financial messaging unit at least a portion of the value to effect a financial transaction.

19. The secure messaging system of claim 18, further comprising at least one financial card of the set of a smart card and a value card, and

wherein a token is stored in the at least one financial card, the token corresponding to the transaction authentication code of the initiated financial transaction, and

wherein the second financial messaging unit communicates with the at least one financial card to read the token stored in the at least one financial card, and

wherein subsequent to initiating the financial transaction, in response to receiving the secure financial transaction message at the second financial messaging unit, and further in response to accepting the user input corresponding to the token stored in the at least one financial card at the second financial messaging unit, the second financial messaging unit communicates with the at least one financial card to release and disburse at least a portion of the value at the second financial messaging unit to effect a financial transaction.

20. The secure messaging system of claim 19, wherein the first financial messaging unit communicates with the at least one financial card to store a token therein, the token corresponding to the transaction authentication code of the initiated financial transaction.

21. The secure messaging system of claim 19, wherein the second financial messaging unit communicates with the at least one financial card

to store a value in the at least one financial card, and

wherein the second financial messaging unit releases and disburses the at least a portion of the value as a stored value in the at least one financial card to effect a financial transaction.

22. The secure messaging system of claim 18, wherein the transaction authentication code comprises at least one of the set of a password, an encryption key, a public key, and a session key.

23. The secure messaging system of claim 18, wherein the secure financial transaction message comprises a message format of the set of a POCSAG message format and a Motorola FLEX™

message format.

24. The secure messaging system of claim 18, wherein the value securely contained within the secure financial transaction message is encrypted within the secure financial transaction message.

25. The secure messaging system of claim 24, wherein the value is encrypted at least in part according to a cryptography of the set of a public key cryptography and a private key cryptography.

26. The secure messaging system of claim 25, wherein the public key cryptography is implemented using elliptic curve cryptography.

27. The secure messaging system of claim 25, wherein the private key cryptography is implemented using one of the set of symmetric private key cryptography and asymmetric private key cryptography.

28. A secure messaging system, comprising:

a secure messaging system controller; and

a first financial messaging unit, and wherein

a user initiates a pluri-transactional financial transaction into the secure messaging system by providing a plurality of transaction authentication codes associated with the pluri-transactional financial transaction at the secure messaging system controller, and

subsequently, in response to receiving a secure financial transaction message in the secure messaging system at the first financial messaging unit, the secure financial transaction message securely containing a value associated with the pluri-transactional financial transaction, and further in response to accepting at the first financial messaging unit a user input corresponding to one of the plurality of transaction authentication codes, the first financial messaging unit releases and disburses at the first financial messaging unit at least a portion of the value to effect a financial transaction constituting at least a portion of the pluri-transactional financial transaction.

29. The secure messaging system of claim 28, wherein the plurality of transaction authentication codes comprises at least one of the set of a password, an encryption key, a public key, a private key, and a session key.

30. The secure messaging system of claim 28, wherein the secure financial transaction message comprises a message format of the set of a POCSAG message format and a Motorola FLEX™

message format.

31. The secure messaging system of claim 28, further comprising at least one financial card of the set of a smart card and a value card, and

wherein at least one token is stored in the at least one financial card, the at least one token corresponding to the plurality of transaction authentication codes of the initiated pluri-transactional financial transaction, and

wherein subsequent to initiating the financial transaction, in response to receiving the secure financial transaction message, and further in response to accepting the user input corresponding to one of the at least one token stored in the at least one financial card at the first financial messaging unit, the first financial messaging unit releases and disburses at the first financial messaging unit at least a portion of the value to effect a financial transaction constituting at least a portion of the pluri-transactional financial transaction.

32. The secure messaging system of claim 31, wherein the first financial messaging unit communicates with the at least one financial card to store at least one token therein, the at least one token corresponding to the plurality of transaction authentication codes of the initiated pluri-transactional financial transaction.

33. The secure messaging system of claim 31, wherein the first financial messaging unit communicates with the at least one financial card

to read at least one token stored in the at least one financial card, the at least one token corresponding to the plurality of transaction authentication codes of the initiated financial transaction, and

subsequently, in response to receiving the secure financial transaction message, and further in response to accepting the user input corresponding to the at least one token stored in the at least one financial card, the first financial messaging unit communicates with the at least one financial card to release and disburse at the first financial messaging unit at least a portion of the value to effect a financial transaction constituting at least a portion of the pluri-transactional financial transaction.

34. The secure messaging system of claim 28, wherein the secure messaging system controller comprises a financial message schedule controller, and

wherein the user initiates the pluri-transactional financial transaction into the secure messaging system and thereby provides a schedule for transmission of a plurality of secure financial transaction messages, the financial message schedule controller causes transmission of a plurality of secure financial transaction messages to effect the pluri-transactional financial transaction according to the schedule.

35. The secure messaging system of claim 34, wherein the plurality of transaction authentication codes are associated one-to-one with the plurality of secure financial transaction messages.

36. The secure messaging system of claim 28, wherein the secure messaging system controller comprises a financial account event monitor, and wherein the user initiates the pluri-transactional financial transaction into the secure messaging system and thereby sets at the financial account event monitor at least one financial event trigger associated with a financial account, the financial account event monitor, in response to detecting one of the at least one financial event trigger, schedules a transmission of a secure financial transaction message securely containing a value associated with the pluri-transactional financial transaction in the secure messaging system.

37. The secure messaging system of claim 36, wherein the financial event trigger is at least one event of the set of

a) detecting a predetermined threshold of funds associated with a financial account,

b) detecting less than a predetermined minimum balance of value associated with the first financial messaging unit with sufficient funds at a financial account to transfer additional value to the first financial messaging unit, and

c) a specific funds transfer request.

38. A secure messaging system, comprising:

a secure messaging system controller;

a first financial messaging unit, and

a second financial messaging unit associated with the first financial messaging unit in the secure messaging system, and wherein

a user initiates a pluri-transactional financial transaction into the secure messaging system by the first financial messaging unit communicating with the secure messaging system controller via a two-way communication medium and thereby providing a plurality of transaction authentication codes associated with the pluri-transactional financial transaction at the secure messaging system controller, and

subsequently, in response to receiving a secure financial transaction message in the secure messaging system at the second financial messaging unit, the secure financial transaction message securely containing a value associated with the pluri-transactional financial transaction, and further in response to accepting a user input corresponding to one of the plurality of transaction authentication codes at the second financial messaging unit, the second financial messaging unit releases and disburses at the second financial messaging unit at least a portion of the value to effect a financial transaction constituting at least a portion of the pluri-transactional financial transaction.

39. The secure messaging system of claim 38, further comprising at least one financial card of the set of a smart card and a value card, and

wherein at least one token is stored in the at least one financial card, the at least one token corresponding to the plurality of transaction authentication codes of the initiated pluri-transactional financial transaction, and

wherein the second financial messaging unit communicates with the at least one financial card to read the at least one token stored therein, and

wherein subsequent to initiating the financial transaction, in response to receiving the secure financial transaction message, and further in response to accepting the user input corresponding to one of the at least one token stored in the at least one financial card at the second financial messaging unit, the second financial messaging unit communicates with the at least one financial card to release and disburse at the second financial messaging unit at least a portion of the value to effect a financial transaction constituting at least a portion of the pluri-transactional financial transaction.

40. The secure messaging system of claim 39, wherein the first financial messaging unit communicates with the at least one financial card to store the at least one token therein, the at least one token corresponding to the plurality of transaction authentication codes of the initiated pluri-transactional financial transaction.