System and method for making electronic payments from a wireless mobile device

• US 8,060,413 B2
• Filed: 05/06/2008
• Issued: 11/15/2011
• Est. Priority Date: 03/14/2008
• Status: Active Grant

• Current Assignee: Malikie Innovations Limited (Key Patent Innovations Limited)
• Original Assignee: Research In Motion Limited (Blackberry Limited)
• Inventors: Chan, Eric, Castell, David
• Primary Examiner(s): Corsaro; Nick
• Assistant Examiner(s): Bush; Michael S
• Application Number:
  US12/116,171
• Publication Number:
  US 20090233579A1
• Time in Patent Office: 1,288 Days
• Field of Search: 705/21, 705/26, 705/27, 705/39, 705/64, 705/65
• US Class Current: 705/26.1
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• 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 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

There is disclosed a system and method of making an electronic payment from a wireless mobile device. In an embodiment, the method comprises: providing an electronic wallet, the electronic wallet having a persistent store for storing data for one or more payment cards and a wallet security module configured to verify authorized access to the electronic wallet; and permitting access to the data for one or more payment cards stored in the electronic wallet upon verification of authorized access by the wallet security module. In an embodiment, the wallet security module is configured to store one or more of a password and biometric data, and the method further comprises: comparing any subsequently input password or biometric data to a password or biometric data previously supplied by the authorized user and stored in the wallet security module; and if the comparison matches or is within an acceptable range, then permitting access to the data for one or more payment cards stored in the electronic wallet.

Claims

1. A method, comprising:

storing data for a plurality of payment cards in an electronic wallet provided in a wireless mobile device, one of said plurality of payment cards being pre-selected in the electronic wallet for use with a predetermined online vendor;

a transcoding proxy receiving an online payment form from a website of said online vendor;

upon invocation of the electronic wallet by an external application received from the transcoding proxy,

authorizing access to the electronic wallet at the wireless mobile device; and

providing data for said pre-selected payment card stored in the electronic wallet to the external application;

the transcoding proxy receiving said data for said pre-selected payment card provided to the external application; and

the transcoding proxy populating said received data in said online payment form.

2. The method of claim 1, wherein the wireless mobile device includes an Internet browser, and the external application comprises an external web application.

3. The method of claim 2, further comprising receiving instructions embedded in a webpage originating from said website to invoke the electronic wallet.

4. The method of claim 3, wherein the instructions comprise one of meta-tags, mark-up or custom content types embedded in the webpage HTTP.

5. The method of claim 1, wherein the external application is a catalogue application executing on the wireless mobile device, and the electronic wallet is invoked upon selection of a menu option for payment using the electronic wallet.

6. The method of claim 1, wherein authorizing access to the electronic wallet comprises authenticating a current user using one or more of a password or previously supplied biometric data for an authorized user.

7. The method of claim 6, wherein the biometric data is one or more of a fingerprint input signal or a voiceprint input signal, and the method further comprises authenticating the current user by comparing one or more of the fingerprint input signal or the voiceprint input signal with one or more of a fingerprint input signal and a voiceprint input signal previously supplied by the authorized user and stored in the electronic wallet.

8. The method of claim 7, further comprising transmitting to the external application confirmation of authentication of the current user together with said data for said pre-selected payment card stored in the electronic wallet.

9. The method of claim 1, wherein the wireless mobile device includes a unique electronic serial number (ESN), a product identification number (PIN), or a telephone number, and the method further comprises transmitting one or more of the unique ESN, PIN or telephone number together with said data for said pre-selected payment card for verification of the wireless mobile device.

10. The method of claim 1, further comprising:

encrypting the data for said plurality of payment cards in the electronic wallet;

passing said data for said pre-selected payment card thus encrypted through an intermediate vendor system;

decrypting said data for said pre-selected payment card data at a payment verification facility; and

returning a payment authorization code to the intermediate vendor system to confirm payment.