Secure and mobile financial transaction
First Claim
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1. A method executed on a portable device, comprising:
- receiving, via a first wireless receiver, an account information request signal from a merchant machine;
transmitting, via a first wireless transmitter, a response message to said merchant machine, said response message comprising said account information for said merchant machine;
encrypting a first message using a first encryption key, said first message comprising a request to get information about a financial account configured in said portable device;
mapping, by a packet filter, said encrypted first message to a pre-established non-GBR bearer;
generating a fourth message by encrypting, by said portable device, said encrypted first message for an additional time employing a third encryption key;
transmitting on said non-GBR bearer, via a first transmitter, said fourth message on a first plurality of subcarriers of an OFDM wireless network;
receiving on said pre-established non-GBR bearer, via a first receiver, a second encrypted message on a second plurality of subcarriers of said OFDM wireless networkdecrypting, by said portable device, said second encrypted message using a fourth decryption key, said second encrypted message comprising said financial account information;
decrypting, by said portable device, said decrypted second message using a second decryption key, and storing said financial account information; and
sending to a display at least a portion of said financial account information.
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Abstract
A portable device is configured to transmit a first encrypted message to an account database server. The first encrypted message may comprise a request to get information about a financial account. The portable device receives a second encrypted message comprising the financial account information. The portable device wirelessly receives a signal from a merchant machine and wirelessly transmits a response message to the merchant machine. The response message comprises account related information for the merchant machine to trigger a financial transaction.
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Citations
14 Claims
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1. A method executed on a portable device, comprising:
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receiving, via a first wireless receiver, an account information request signal from a merchant machine; transmitting, via a first wireless transmitter, a response message to said merchant machine, said response message comprising said account information for said merchant machine; encrypting a first message using a first encryption key, said first message comprising a request to get information about a financial account configured in said portable device; mapping, by a packet filter, said encrypted first message to a pre-established non-GBR bearer; generating a fourth message by encrypting, by said portable device, said encrypted first message for an additional time employing a third encryption key; transmitting on said non-GBR bearer, via a first transmitter, said fourth message on a first plurality of subcarriers of an OFDM wireless network; receiving on said pre-established non-GBR bearer, via a first receiver, a second encrypted message on a second plurality of subcarriers of said OFDM wireless network decrypting, by said portable device, said second encrypted message using a fourth decryption key, said second encrypted message comprising said financial account information; decrypting, by said portable device, said decrypted second message using a second decryption key, and storing said financial account information; and sending to a display at least a portion of said financial account information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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Specification