Multiple account portable wireless financial messaging unit

• US 6,041,314 A
• Filed: 12/22/1997
• Issued: 03/21/2000
• 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: Davis, Walter Lee
• Primary Examiner(s): Cosimano, Edward R.
• Application Number:
  US08/995,796
• Time in Patent Office: 820 Days
• Field of Search: 380/24, 380/25, 380/42, 380/255, 380/287, 705/1, 705/35, 705/39, 705/41, 705/50, 705/64, 705/77
• US Class Current: 705/41
• 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 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 20/357 Cards having a plurality of specified features
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce
• CPC Class Codes: H04L 61/35 involving non-standard use of addresses for implementing network functionalities, e.g. coding subscription information within the address or functional addressing, i.e. assigning an address to a function
• CPC Class Codes: H04L 63/0442 wherein the sending and receiving network entities apply asymmetric encryption, i.e. different keys for encryption and decryption cryptographic mechanisms or cryptographic arrangements for public-key encryption H04L9/30
• CPC Class Codes: H04L 63/0823 using certificates cryptographic mechanisms or cryptographic arrangements for entity authentication involving certificates H04L9/3263
• 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
• CPC Class Codes: H04W 8/26 : Network addressing or numbering for mobility support
• CPC Class Codes: H04W 88/02 : Terminal devices
• CPC Class Codes: H04W 88/022 : Selective call receivers

Abstract

A portable secure financial messaging unit (906) includes a receiver (804) and a selective call decoder (1004). The selective call decoder (1004) has a memory (1010) that includes plurality of unique selective call addresses each corresponding with a predetermined financial transaction type. An address correlator (830) operates to determine substantial coincidence between one of the plurality of unique selective call addresses and a received selective call address corresponding with the predetermined financial transaction type. In response to a coincidence, a main processor (1006) and a financial transaction processor (1014) process received information to effect a financial transaction corresponding with the predetermined financial transaction type.

Claims

1. A portable secure financial messaging unit, comprising:

a receiver for receiving a radio frequency signal comprising a secure financial transaction message;

a selective call decoder coupled to the receiver, the selective call decoder comprising;

a memory that includes a plurality of unique selective call addresses each corresponding with a predetermined financial transaction type; and

an address correlator coupled to the memory, the address correlator operating to determine substantial coincidence between at least one of the plurality of unique selective call addresses and a received selective call address contained in the radio frequency signal and corresponding with the predetermined financial transaction type;

a financial transaction processor coupled to the selective call decoder, the financial transaction processor allowing the portable secure financial messaging unit to effect a secure financial transaction based at least in part on information contained in the secure financial transaction message; and

a main processor coupled to the financial transaction processor and the selective call decoder for controlling the receiver, selective call decoder, and financial transaction processor such that the portable secure financial messaging unit operates to perform the secure financial transaction.

2. The portable secure financial messaging unit according to claim 1 comprising:

a transmitter coupled to the main processor, the transmitter operating in at least one of a mode to facilitate confirmation and authentication of the secure financial transaction and to originate a request for the secure financial transaction.

3. The portable secure financial messaging unit according to claim 1, comprising:

a secure message generator coupled to the financial transaction processor and the main processor, the secure message generator operating to generate the secure financial transaction message.

4. The portable secure financial messaging unit according to claim 3 wherein the financial transaction processor encrypts and the secure message generator generates the secure financial transaction message that is coupled to the main processor for transmission by a transmitter.

5. The portable secure financial messaging unit according to claim 4 wherein the secure financial transaction message comprises a financial transaction request.

6. The portable secure financial messaging unit according to claim 4 wherein the secure financial transaction message comprises a cash load request.

7. The portable secure financial messaging unit according to claim 4 wherein the secure financial transaction message comprises a fund transfer request.

8. The portable secure financial messaging unit according to claim 4 wherein the secure financial transaction message comprises a credit request.

9. The portable secure financial messaging unit according to claim 1 wherein the financial transaction processor decrypts a secure financial transaction message coupled from the selective call decoder when the address correlator determines substantial coincidence between at least one of the plurality of unique selective call addresses and a received selective call address.

10. The portable secure financial messaging unit according to claim 9 wherein a received secure financial transaction message is decoded by the selective call decoder and passed directly to an attached smart card to prevent unauthorized access to information contained in the secure financial transaction message.

11. The portable secure financial messaging unit according to claim 9 wherein a received secure financial transaction message is decoded by the selective call decoder and passed directly to the financial transaction processor to prevent unauthorized access to information contained in the secure financial transaction message.

12. The portable secure financial messaging unit according to claim 11 wherein the received secure financial transaction message is decrypted by the financial transaction processor and coupled to a secure memory that retains information decrypted from the secure financial transaction message.

13. The portable secure financial messaging unit according to claim 11 wherein the secure financial transaction message comprises a financial transaction session key.

14. The portable secure financial messaging unit according to claim 13 wherein the secure financial transaction message comprises a returned cash value.

15. The portable secure financial messaging unit according to claim 13 wherein the secure financial transaction message comprises a returned fund transfer value.

16. The portable secure financial messaging unit according to claim 13 wherein the secure financial transaction message comprises a returned credit value.

17. A portable secure financial messaging unit, comprising:

a receiver for receiving a radio frequency signal comprising a secure financial transaction message;

a selective call decoder coupled to the receiver, the selective call decoder comprising;

a memory that includes a plurality of unique selective call addresses each corresponding with a predetermined financial transaction type; and

an address correlator coupled to the memory, the address correlator operating to determine substantial coincidence between at least one of the plurality of unique selective call addresses and a received selective call address contained in the radio frequency signal and corresponding with the predetermined financial transaction type;

a financial transaction processor coupled to the selective call decoder, the financial transaction processor allowing the portable secure financial messaging unit to effect a secure financial transaction based at least in part on information contained in the secure financial transaction message using the financial transaction processor which comprises;

a security code processor that operates to process a security code associated with the secure financial transaction message in a manner that prevents unauthorized access to information contained in the secure financial transaction message;

a secure non volatile read only memory coupled to the security code processor, the secure non volatile read only memory operating to protect at least processing routines that decrypt and encrypt information associated with the secure financial transaction message;

a secure erasable read only memory coupled to the secure non volatile read only memory, the secure erasable read only memory operating to protect information selected from at least one of a private encryption key, a cash load value, a credit card number, a bank account number, and financial account balances stored therein;

an input/output interface coupled to the secure erasable read only memory, the input/output interface allowing transfer of data from the secure erasable read only memory to other components within the financial transaction processor; and

control logic coupled to the security code processor, the secure non volatile read only memory, the secure erasable read only memory, and the input/output interface, the control logic operating to govern operation of other components within the financial transaction processor; and

a main processor coupled to the financial transaction processor and the selective call decoder for controlling the receiver, selective call decoder, and financial transaction processor such that the portable secure financial messaging unit operates to perform the secure financial transaction.

18. The portable secure financial messaging unit according to claim 17, comprising:

a smart card coupled to the financial transaction processor via the input/output interface, the smart card operating in conjunction with the financial transaction processor to couple unencrypted or encrypted information such as the secure financial transaction message to the smart card for performing the secure financial transaction.

19. The portable secure financial messaging unit according to claim 17, comprising:

a transmitter coupled to the main processor, the transmitter operating in at least one of a mode to facilitate confirmation and authentication of the secure financial transaction and to originate a request for the secure financial transaction.

20. The portable secure financial messaging unit according to claim 19, comprising:

a smart card coupled to the financial transaction processor via the input/output interface, the smart card operating in conjunction with the financial transaction processor to couple unencrypted or encrypted information such as the secure financial transaction message to the smart card for performing the secure financial transaction.

21. The portable secure financial messaging unit according to claim 17, comprising:

a secure message generator coupled to the financial transaction processor and the main processor, the secure message generator operating to generate the secure financial transaction message.

22. The portable secure financial messaging unit according to claim 21 wherein the financial transaction processor encrypts and the secure message generator generates a secure financial transaction message that is coupled to the main processor for transmission by a transmitter.

23. The portable secure financial messaging unit according to claim 22 wherein the secure financial transaction message comprises a financial transaction request.

24. The portable secure financial messaging unit according to claim 22 wherein the secure financial transaction message comprises a cash load request.

25. The portable secure financial messaging unit according to claim 22 wherein the secure financial transaction message comprises a fund transfer request.

26. The portable secure financial messaging unit according to claim 22 wherein the secure financial transaction message comprises a credit request.

27. The portable secure financial messaging unit according to claim 17 wherein the financial transaction processor receives and decrypts a secure financial transaction message coupled from the selective call decoder.

28. The portable secure financial messaging unit according to claim 27 wherein a received secure financial transaction message is decoded by the selective call decoder and passed directly to an attached smart card to prevent unauthorized access to information contained in the secure financial transaction message.

29. The portable secure financial messaging unit according to claim 27 wherein a received secure financial transaction message is decoded by the selective call decoder and passed directly to the financial transaction processor to prevent unauthorized access to information contained in the secure financial transaction message.

30. The portable secure financial messaging unit according to claim 29 wherein the received secure financial transaction message is decrypted by the financial transaction processor and coupled to a secure memory that retains information decrypted from the secure financial transaction message.

31. The portable secure financial messaging unit according to claim 27 wherein the secure financial transaction message comprises a financial transaction session key.

32. The portable secure financial messaging unit according to claim 31 wherein the secure financial transaction message comprises a returned cash value.

33. The portable secure financial messaging unit according to claim 31 wherein the secure financial transaction message comprises a returned fund transfer value.

34. The portable secure financial messaging unit according to claim 31 wherein the secure financial transaction message comprises a returned credit value.