Wireless payment with a portable device

• US 8,533,122 B2
• Filed: 03/08/2013
• Issued: 09/10/2013
• Est. Priority Date: 04/15/2011
• Status: Active Grant

• Current Assignee: Huawei Technologies Co., Ltd. (Huawei Investment & Holding Co., Ltd.)
• Original Assignee: Ofinno Technologies, LLC (Ofinno, LLC)
• Inventors: Dinan, Esmael Hejazi
• Primary Examiner(s): Hewitt, II, Calvin L
• Assistant Examiner(s): HALE, TIM B
• Application Number:
  US13/789,986
• Publication Number:
  US 20130204795A1
• Time in Patent Office: 186 Days
• Field of Search: None
• US Class Current: 705/65
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 20/32 using wireless devices
• 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 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

A portable device transmits a payment card number to a merchant machine. The portable device generates an encrypted first message comprising a request to get information about a financial transaction. A packet filter maps the encrypted first message to a pre-established non-GBR bearer. The portable device generates a fourth message by encrypting the encrypted first message and transmits the fourth message. The portable device receives and decrypts a second encrypted message. The portable device decrypts the decrypted second message and sends financial transaction information to a display.

Claims

1. A portable device, comprising:

one or more processors;

a first wireless interface;

a second wireless interface;

a non-transitory computer readable medium comprising executable instructions that, when executed by the one or more processors, cause the one or more processors to perform the steps of;

receiving, via said first wireless interface, an account information request signal from a merchant machine;

transmitting, via said first wireless interface, 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 requesting 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 said encrypted first message for an additional time employing a third encryption key;

transmitting on said non-GBR bearer, via said second wireless interface, said fourth message on a first plurality of subcarriers of an OFDM wireless network;

receiving on said pre-established non-GBR bearer, via said second wireless interface, a second encrypted message on a second plurality of subcarriers of said OFDM wireless network;

decrypting said second encrypted message using a fourth decryption key, said second encrypted message comprising said financial account information;

decrypting said decrypted second message using a second decryption key, and store said financial account information; and

sending to a display at least a portion of said financial account information.

2. The portable device of claim 1, wherein said instructions cause said processors to perform the steps of:

receiving said second decryption key from a third network node; and

receiving said fourth decryption key from a fourth network node, said third network node being different from said fourth network node.

3. The portable device of claim 1, wherein said instructions cause said processors to perform the steps of:

receiving, after transmission of said encrypted first message, at least two packet acknowledgements comprising;

acknowledgement from a cellular base station; and

acknowledgement from said account database server.

4. The portable device of claim 1, wherein said pre-established non-GBR bearer has a plurality of attributes comprising:

a scheduling priority;

an allocation and retention priority; and

a portable device aggregate maximum bit rate.

5. The portable device of claim 1, wherein said second plurality of subcarriers comprises a plurality of non-contiguous OFDM subcarriers at any given time during transmission period.

6. The portable device of claim 1, wherein said instructions cause said processors to perform the step of:

receiving a certificate from an account database server before transmitting said encrypted first message.

7. The portable device of claim 1, wherein said instructions cause said processors to perform the steps of:

transmitting a first part of said encrypted first message on a first subset of said first plurality of subcarriers in a first time period; and

transmitting a second part of said encrypted first message on a second subset of said first plurality of subcarriers in a second time period;

wherein;

said first time period and said second time period do not overlap; and

said first subset of said first plurality of subcarriers and said second subset of said first plurality of subcarriers are different.

8. The portable device of claim 1, wherein said instructions cause said processors to perform the steps of:

adding an IP packet header to said encrypted first message before said encrypted first message is encrypted employing said third key.

9. A portable device, comprising:

one or more processors;

a first wireless interface;

a second wireless interface;

a non-transitory computer readable medium comprising executable instructions that, when executed by the one or more processors, cause the one or more processors to perform the steps of;

receiving, via said first wireless interface, a request signal from a merchant machine;

transmitting, via said first wireless interface, a response message to said merchant machine, said response message comprising a payment card number for said merchant machine;

receiving a certificate from an account server subsequent to transmitting said response message;

verifying the certificate from the account server;

generating an encrypted first message, subsequent to verifying said certificate, by encrypting a first message using a first encryption key and by adding at least one packet header, said first message comprising a request to get information about a financial transaction of said payment card;

mapping, by a packet filter, said encrypted first message to a pre-established non-GBR bearer;

generating a fourth message by encrypting said encrypted first message for an additional time employing a third encryption key;

transmitting on said non-GBR bearer, via said second wireless interface, said fourth message on a first plurality of subcarriers of an OFDM wireless network;

receiving on said pre-established non-GBR bearer, via said second wireless interface, a second encrypted message on a second plurality of subcarriers of said OFDM wireless network;

decrypting said second encrypted message using a fourth decryption key, said second encrypted message comprising said financial transaction information;

decrypting said decrypted second message using a second decryption key, and store said financial transaction information; and

sending to a display at least a portion of said financial transaction information.

10. The portable device of claim 9, wherein said instructions cause said processors to perform the step of:

mapping said encrypted first message to said pre-established non-GBR bearer employing, at least in part, said at least one packet header.

11. The portable device of claim 9, said instructions cause said processors to perform the step of:

adding a packet header comprising a sequence number to a packet after said encrypted first message is encrypted employing said third key.

12. The portable device of claim 9, said instructions cause said processors to perform the step of:

adding a packet header by a MAC layer to said encrypted first message for transmission over said second wireless interface, and said packet header being transmitted without encryption.

13. The portable device of claim 9, wherein said pre-established non-GBR bearer has a plurality of attributes comprising:

a scheduling priority;

an allocation and retention priority; and

a portable device aggregate maximum bit rate.

14. The portable device of claim 9, wherein said instructions cause said processors to perform the step of:

receiving said second decryption key from a third network node; and

receiving said fourth decryption key from a fourth network node, said third network node being different than said fourth network node.

15. A portable device, comprising:

one or more processors;

a first wireless interface;

a second wireless interface;

a non-transitory computer readable medium comprising executable instructions that, when executed by the one or more processors, cause the one or more processors to perform the step of;

receiving, via said first wireless interface, a request signal from a merchant machine;

transmitting, via said first wireless interface, a response message to said merchant machine, said response message comprising a payment card number for said merchant machine;

generating an encrypted first message, subsequent to transmitting said response message, by encrypting a first message using a first encryption key and by adding at least one packet header, said first message comprising a request to get information about a financial transaction of said payment card;

mapping, by a packet filter, said encrypted first message to a pre-established non-GBR bearer;

generating a fourth message by encrypting said encrypted first message for an additional time employing a third encryption key;

transmitting on said non-GBR bearer, via said second wireless interface, said fourth message on a first plurality of subcarriers of an OFDM wireless network;

receiving on said pre-established non-GBR bearer, via said second wireless interface, a second encrypted message on a second plurality of subcarriers of said OFDM wireless network;

decrypting said second encrypted message using a fourth decryption key, said second encrypted message comprising said financial transaction information;

decrypting said decrypted second message using a second decryption key, and store said financial transaction information; and

sending to a display at least a portion of said financial transaction information.

16. The portable device of claim 15, said instructions cause said processors to perform the step of:

verifying a certificate received from said account database server before transmitting said encrypted first message.

17. The portable device of claim 15, wherein said processors perform the step of:

receiving said request signal from said merchant machine in response to a user enabling said financial transaction.

18. The portable device of claim 15, wherein said processors cause said portable device to perform the step of:

receiving said second decryption key from a third network node; and

receiving said fourth decryption key from a fourth network node, said third network node being different from said fourth network node.

19. The portable device of claim 15, wherein said first plurality of subcarriers consists of a plurality of adjacent SC-FDMA subcarriers at any given time during transmission period.

20. The portable device of claim 15, wherein said pre-established non-GBR bearer has a plurality of attributes comprising:

a scheduling priority;

an allocation and retention priority; and

a portable device aggregate maximum bit rate.