Transaction authentication for 1-way wireless financial messaging units
First Claim
Patent Images
1. A secure financial messaging unit, comprising:
- a wide area radio frequency receiver;
a selective call decoder coupled to the wide area radio frequency receiver;
a financial transaction processor coupled to the selective call decoder;
a main processor coupled to the financial transaction processor and the selective call decoder; and
a message origination unit coupled to the main processor, the message origination unit operating in at least one of a reply and confirmation mode and an originate and request mode to effect a wireless financial transaction using a local area link.
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Abstract
A secure financial messaging unit (906) includes a wide area radio frequency receiver (804), a selective call decoder (1004), a financial transaction processor (1014), a main processor (1006), and a message origination unit (1034). The message origination unit (1034) operates in at least one of a reply and confirmation mode and a originate and request mode to effect a wireless financial transaction using a local area link (924).
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Citations
39 Claims
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1. A secure financial messaging unit, comprising:
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a wide area radio frequency receiver; a selective call decoder coupled to the wide area radio frequency receiver; a financial transaction processor coupled to the selective call decoder; a main processor coupled to the financial transaction processor and the selective call decoder; and a message origination unit coupled to the main processor, the message origination unit operating in at least one of a reply and confirmation mode and an originate and request mode to effect a wireless financial transaction using a local area link. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28)
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29. In a secure financial messaging unit, a method comprising the steps of:
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receiving a selective call message including a secure financial transaction message, the selective call message being broadcast from a wide area selective call signalling system; decoding the selective call message to recover the secure financial transaction message; decrypting the secure financial transaction message recovered from the selective call message; and presenting a message indicating that at least one of a confirmation and an authentication of a financial transaction associated with the secure financial transaction message is requested. - View Dependent Claims (30, 31, 32, 33, 34)
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35. In a secure financial messaging unit, a method comprising the steps of:
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generating a message requesting a financial transaction; selecting at least one of a optical, an electromagnetic, and an acoustic transducer in a message origination unit to communicate the message requesting a financial transaction; contacting a regulator using a local link between the message origination unit and at least one of a point of sale terminal and an automatic teller machine, the regulator being an authority that governs the financial transaction; receiving a selective call message including a response to the message, the selective call message being broadcast from a wide area selective call signalling system; decoding the selective call message to recover a secure financial transaction message; decrypting the secure financial transaction message recovered from the selective call message; and presenting a message indicating that at least one of a confirmation and an authentication of the financial transaction associated with the secure financial transaction message is requested. - View Dependent Claims (36, 37, 38, 39)
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Specification