Apparatus and method for increased security of wireless transactions

• US 7,110,792 B2
• Filed: 05/19/2004
• Issued: 09/19/2006
• Est. Priority Date: 05/19/2003
• Status: Active Grant

• Current Assignee: Kioba Processing, LLC (IP Investments Group LLC)
• Original Assignee: Einar Rosenberg
• Inventors: Rosenberg, Einar
• Primary Examiner(s): Cong, Danh
• Application Number:
  US10/848,405
• Publication Number:
  US 20040235450A1
• Time in Patent Office: 853 Days
• Field of Search: 455/558, 455/557, 455/556.2, 455/575.1, 455/550.1, 455/412.1, 455/406, 379/114.19, 379/114.21, 379/114.23, 235/380
• US Class Current: 455/558
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/3263 characterised by activation or deactivation of payment capabilities
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC 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 20/425 using two different networks, one for transaction and one for security confirmation
• 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: G16H 10/60 for patient-specific data, e.g. for electronic patient records
• CPC Class Codes: H04M 1/0254 comprising one or a plurality of mechanically detachable modules
• CPC Class Codes: H04M 1/72412 using two-way short-range wireless interfaces

Abstract

A mobile communication device with security mechanisms is provided for enabling wireless personal information transfer with increased security. In another embodiment of the invention, a mobile communication device is used to confirm a transaction.

Claims

1. A smartlink module, comprising:

a smartcard chip for converting radio waves into electrical signals, for converting electrical signals into radio waves, said electrical signals being either analog or digital signals, said radiowaves being in the form of smartcard radio frequencies;

a first data channel being adapted to wirelessly communicate data using an antenna between said smartcard chip and a third party terminal capable of transceiving smartcard radio signal, said first data channel coupled to said smartcard chip; and

a second data channel, being adapted to electrically couple said smartcard chip with a mobile communication device, said second data channel coupled to said smartcard chip,

where said first data channel is different from said second data channel, where said smartcard chip configured to authenticate said mobile communication device before said smartcard chip is enabled to provide data information to a third party terminal.

2. The module of claim 1, further comprising an antenna for communicating wirelessly between said smartcard processor chip and said third party terminal, said antenna coupled to said first data channel.

3. The module of claim 2, further comprising a translation circuit in said second data channel.

4. The module of claim 1, further comprising a housing for encapsulating said smartcard processor, wherein said smartcard processor is at least partially contained by said housing within said mobile communication device.

5. The module of claim 1, further comprising a housing for encapsulating said smartcard chip wherein said smartcard processor chip contained by said housing is separate from said mobile communication device.

6. The module of claim 5, further comprising a fastener system for mechanically coupling said housing to said mobile communication device.

7. The module of claim 1, wherein said smartcard processor chip has a unique identification number.

8. A transaction controller comprising:

a mobile user interface device; and

a smartcard chip comprising;

a data channel, being adapted to wirelessly communicate transaction data between said chip and a third party terminal capable of transceiving smartcard radio signals;

wherein said mobile user interface device being adapted to transmit user information to said chip, said chip being disposed between said mobile user interface device and said third party terminal,

where said smartcard chip configured to authenticate said mobile user interface device before said smartcard chip is enabled to provide data information to a third party terminal.

9. A transaction controller as defined in claim 8 wherein where said mobile user interface device configured to authenticate said smartcard chip before said mobile user interface device enables said smartcard chip to provide data information to a third party terminal.

10. A transaction controller as defined in claim 8 wherein said processor is adapted to compare device identification data stored within said processor and device identification data of said mobile user interface device.

11. A transaction controller as defined in claim 8 wherein said mobile user interface device is adapted to compare personal identification data stored within said mobile user interface device with data entered into said mobile user interface.

12. A transaction controller as defined in claim 9 wherein said data channel circuit communicates transaction data with said third party terminal using smartcard compliant communication standards.

13. A transaction controller as defined in claim 9 wherein said user information is stored within said mobile user interface device.

14. A transaction controller as defined in claim 9 wherein said user information is stored with said processor.

15. A transaction controller as defined in claim 9 wherein said mobile user interface device is adapted to be removable coupled to said processor.

16. A transaction controller as defined in claim 9 wherein said mobile user interface device comprises a keyboard.

17. A transaction controller as defined in claim 9 wherein said keyboard comprises a numeric keypad.

18. A transaction controller as defined in claim 9 wherein said mobile user interface device comprises a biometric device.

19. A transaction controller as defined in claim 9 wherein said user information comprises a personal account information.

20. A transaction controller as defined in claim 9 wherein said data channel circuit comprises:

a radio frequency transmitter; and

an antenna coupled to said radio frequency transmitter.

21. A transaction controller as defined in claim 9 wherein said mobile user interface device comprises a mobile communicator.

22. A transaction controller as defined in claim 21 wherein said mobile communicator comprises a cellular telephone.

23. A transaction controller as defined in claim 21 wherein said mobile communicator comprises a handheld computer.

24. A smartlink module configured to be coupled to a mobile communication device, comprising:

an antenna for communicating wirelessly with a third party smartcard transceiving device using smartcard radio frequencies; and

a smartcard chip for converting radio waves received by said antenna to electrical signals, for converting electrical signals to radio waves and for providing said radio waves to said antenna, said electrical signals being either analog or digital signals, said radiowaves being in the form smartcard radio frequencies, wherein said smartcard chip is configured to be electrically coupled to a mobile communication device, said smartcard chip electrically coupled to said antenna,

where before said smartcard chip is enabled to provide data information through radio waves to a third party smartcard transceiving device said smartcard chip is configured to authenticate said mobile communication device.

25. The module of claim 24, wherein said antenna communicates wirelessly using contactless smartcard radio frequencies.

26. The module of claim 24, wherein said smartcard chip is configured to convert data received in a first form from said mobile communication device to data in a second form to be provided to said antennae.

27. The module of claim 25, wherein said smartcard chip further comprises a unique identification code.

28. The module of claim 24, wherein said smartcard chip is configured to compare mobile communication device information received from said mobile communication device to mobile communication device identification information stored in said smartcard chip.

29. The module of claim 28, wherein said smartcard chip is configured to provide data to said antennae depending on said comparison of said mobile communication device information received from said mobile communication device to said mobile communication device identification information stored in said smartcard chip.

30. The module of claim 29, wherein said smartcard chip is configured to store user account information.

31. The module of claim 29, wherein said smartcard chip is configured to receive user account information from said mobile communication device.