Single account portable wireless financial messaging unit

• US 6,378,073 B1
• Filed: 12/22/1997
• Issued: 04/23/2002
• 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, LaVell, Jeff, Leonardo, Victoria A.
• Primary Examiner(s): Hayes, Gail
• Assistant Examiner(s): SONG, HOSUK
• Application Number:
  US08/995,799
• Time in Patent Office: 1,583 Days
• Field of Search: 455/31-- 3, 235/380, 235/379, 340/825, 340/44, 705/64, 705/65, 705/66-69, 705/35, 705/39-43, 705/50, 705/77, 705/41-42, 705/44, 705/405, 380/270, 713/172, 713/200, 709/246
• US Class Current: 726/1
• 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 20/3223 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 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• 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: 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 a single unique selective call address corresponding with a predetermined financial transaction type. An address correlator (830) operates to determine substantial coincidence between the single unique selective call address 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 single unique selective call address corresponding with a predetermined financial transaction type, and

an address correlator coupled to the memory, the address correlator operating to determine substantial coincidence between the single unique selective call address 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, 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 the single unique selective call address and a received selective call address;

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;

a low power port coupled to the main processor for implementing a communication link between the portable secure financial messaging unit and a sales device; and

a secure decoding function module for serving as a second financial transaction processor, wherein the secure decoding function module comprises;

a control logic for governing the operation of the secure decoding function module,

a message entry device coupled to the control logic for processing a user initiated transaction,

a security code processor coupled to the control logic for processing secure information,

a secure ROM coupled to the security code processor and coupled to the control logic for storing a plurality of processing routines,

a secure programmable read only memory coupled to the control logic for storing a plurality of sensitive information, and

a Smart Card input/output module coupled to the message entry device and coupled to the control logic for communicating between the secure decoding function module and a Smart Card,

wherein a received secure financial transaction message is decoded by the selective call decoder and passed to the secure decoding function module for processing and further wherein the secure decoding function module communicates to the Smart Card to prevent unauthorized access to information contained in the secure financial transaction message.

2. The portable secure financial messaging unit according to claim 1, further 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 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 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 secure financial messaging unit according to claim 1, further 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.

6. The portable secure financial messaging unit according to claim 5 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.

7. The portable secure financial messaging unit according to claim 1 wherein the secure financial transaction message comprises a financial transaction request.

8. The portable secure financial messaging unit according to claim 1 wherein the secure financial transaction message comprises a cash load request.

9. The portable secure financial messaging unit according to claim 1 wherein the secure financial transaction message comprises a fund transfer request.

10. The portable secure financial messaging unit according to claim 1 wherein the secure financial transaction message comprises a credit request.

11. 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 single unique selective call address corresponding with a predetermined financial transaction type, and

an address correlator coupled to the memory, the address correlator operating to determine substantial coincidence between the single unique selective call address 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;

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;

a low power port coupled to the main processor for implementing a communication link between the portable secure financial messaging unit and a sales device;

and

a secure decoding function module for serving as a second financial transaction processor, wherein the secure decoding function module comprises;

a control logic for governing the operation of the secure decoding function module,

a message entry device coupled to the control logic for processing a user initiated transaction,

a security code processor coupled to the control logic for processing secure information,

a secure ROM coupled to the security code processor and coupled to the control logic for storing a plurality of processing routines,

a secure programmable read only memory coupled to the control logic for storing a plurality of sensitive information, and

a Smart Card input/output module coupled to the message entry device and coupled to the control logic for communicating between the secure decoding function module and a Smart Card,

wherein a received secure financial transaction message is decoded by the selective call decoder and passed to the secure decoding function module for processing and further wherein the secure decoding function module communicates to the Smart Card to prevent unauthorized access to information contained in the secure financial transaction message.

12. The portable secure financial messaging unit according to claim 11, further 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.

13. The portable secure financial messaging unit according to claim 11, further 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.

14. The portable secure financial messaging unit according to claim 13, further 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.

15. The portable secure financial messaging unit according to claim 11 wherein the financial transaction processor receives and decrypts a secure financial transaction message coupled from the selective call decoder.

16. The portable secure financial messaging unit according to claim 15 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.

17. The portable secure financial messaging unit according to claim 16 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.

18. The portable secure financial messaging unit according to claim 15 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.

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

20. The portable secure financial messaging unit according to claim 11 wherein the secure financial transaction message comprises a returned cash value.

21. The portable secure financial messaging unit according to claim 11 wherein the secure financial transaction message comprises a returned fund transfer value.

22. The portable secure financial messaging unit according to claim 11 wherein the secure financial transaction message comprises a returned credit value.

23. The portable secure financial messaging unit according to claim 11, further 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.

24. The portable secure financial messaging unit according to claim 23 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.

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

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

27. The portable secure financial messaging unit according to claim 24 wherein the secure financial transaction message comprises a fund transfer request.

28. The portable secure financial messaging unit according to claim 24 wherein the secure financial transaction message comprises a credit request.