Portable 2-way wireless financial messaging unit

• US 6,311,167 B1
• Filed: 12/22/1997
• Issued: 10/30/2001
• 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: Herold, Barry W., Davis, Walter Lee, LaVell, Jeff, Leonardo, Victoria A.
• Primary Examiner(s): HEWITT II, CALVIN L
• Assistant Examiner(s): HEWITT II, CALVIN L
• Application Number:
  US08/996,176
• Time in Patent Office: 1,408 Days
• Field of Search: 705/35, 705/39, 705/41, 705/40, 340/311.1, 235/379, 380/23, 380/4, 380/24, 380/25
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• 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 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04B 1/3816 Mechanical arrangements for accommodating identification devices, e.g. cards or chips; with connectors for programming identification devices
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 9/12 Transmitting and receiving encryption devices synchronised or initially set up in a particular manner
• CPC Class Codes: H04L 9/3226 using a predetermined code, e.g. password, passphrase or PIN network architectures or network communication protocols for supporting authentication of entities using passwords in a packet data network H04L63/083
• CPC Class Codes: H04L 9/3234 involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token network architectures or network communication protocols for supporting authentication of entities using an additional device in a packet data network H04L63/0853

Abstract

A portable 2-way secure financial messaging unit (906) includes a receiver (804), a selective call decoder (1004), a financial transaction processor (1014), a main processor (1006), and a transmitter (1034). A received secure financial transaction message is decoded by the selective call decoder (1004) and either passed directly to a financial transaction processor (1014) in the secure financial messaging unit or to a smart card to prevent unauthorized access to information contained in the secure financial transaction message. The portable 2-way secure financial messaging unit (906) may originate as well as receive financial transactions.

Claims

1. A portable 2-way secure financial messaging unit, comprising:

a receiver;

a selective call decoder coupled to the 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 transmitter coupled to the main processor.

2. The portable 2-way secure financial messaging unit according to claim 1 wherein the financial transaction processor receives and decrypts a secure financial transaction message coupled from the selective call decoder.

3. The portable 2-way secure financial messaging unit according to claim 2 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.

4. The portable 2-way secure financial messaging unit according to claim 3 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.

5. The portable 2-way secure financial messaging unit according to claim 2 wherein the secure financial transaction message comprises a financial transaction session key.

6. The portable 2-way secure financial messaging unit according to claim 5 wherein the secure financial transaction message comprises a returned cash value.

7. The portable 2-way secure financial messaging unit according to claim 5 wherein the secure financial transaction message comprises a returned fund transfer value.

8. The portable 2-way secure financial messaging unit according to claim 5 wherein the secure financial transaction message comprises a returned credit value.

9. The portable 2-way secure financial messaging unit according to claim 2 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.

10. The portable 2-way secure financial messaging unit according to claim 1, comprising:

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

11. The portable 2-way secure financial messaging unit according to claim 10 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 the transmitter.

12. The portable 2-way secure financial messaging unit according to claim 11 wherein the secure financial transaction message comprises a financial transaction request.

13. The portable 2-way secure financial messaging unit according to claim 11 wherein the secure financial transaction message comprises a cash load request.

14. The portable 2-way secure financial messaging unit according to claim 11 wherein the secure financial transaction message comprises a fund transfer request.

15. The portable 2-way secure financial messaging unit according to claim 11 wherein the secure financial transaction message comprises a credit request.

16. A portable 2-way secure financial messaging unit, comprising:

a receiver;

a selective call decoder coupled to the receiver;

a financial transaction processor coupled to the selective call decoder, the financial transaction processor comprising;

a security code processor;

a secure non volatile read only memory coupled to the security code processor;

a secure erasable read only memory coupled to the secure non volatile read only memory;

an input/output interface coupled to the secure erasable read only memory; 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;

a main processor coupled to the financial transaction processor and the selective call decoder; and

a transmitter coupled to the main processor.

17. The portable 2-way secure financial messaging unit according to claim 16, comprising:

a smart card coupled to the financial transaction processor via the input/output interface.

18. The portable 2-way secure financial messaging unit according to claim 16 wherein the financial transaction processor receives and decrypts a secure financial transaction message coupled from the selective call decoder.

19. The portable 2-way secure financial messaging unit according to claim 18 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.

20. The portable 2-way secure financial messaging unit according to claim 19 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.

21. The portable 2-way secure financial messaging unit according to claim 18 wherein the secure financial transaction message comprises a financial transaction session key.

22. The portable 2-way secure financial messaging unit according to claim 21 wherein the secure financial transaction message comprises a returned cash value.

23. The portable 2-way secure financial messaging unit according to claim 21 wherein the secure financial transaction message comprises a returned fund transfer value.

24. The portable 2-way secure financial messaging unit according to claim 21 wherein the secure financial transaction message comprises a returned credit value.

25. The portable 2-way secure financial messaging unit according to claim 18 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.

26. The portable 2-way secure financial messaging unit according to claim 16, comprising:

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

27. The portable 2-way secure financial messaging unit according to claim 26 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 the transmitter.

28. The portable 2-way secure financial messaging unit according to claim 27 wherein the secure financial transaction message comprises a financial transaction request.

29. The portable 2-way secure financial messaging unit according to claim 27 wherein the secure financial transaction message comprises a cash load request.

30. The portable 2-way secure financial messaging unit according to claim 27 wherein the secure financial transaction message comprises a fund transfer request.

31. The portable 2-way secure financial messaging unit according to claim 27 wherein the secure financial transaction message comprises a credit request.