Apparatus and method for increased security of wireless transactions
First Claim
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1. A mobile communication device for communicating using short distance communication signals, comprising:
- a memory;
a processor in communication with the memory, wherein the processor of the mobile communication device is programmed to;
receive a first short distance contactless communication signal;
determine a transactional context of the mobile communication device based on the first short distance contactless communication signal; and
activate an information transfer application appropriate for the transactional context based on the determination; and
a transmitter in communication with the processor, wherein the transmitter is configured to transmit, by way of the information transfer application, a first signal to a first financial institution of a user of the mobile communication device and a second signal to a second financial institution of a seller, wherein the second signal is piggy-backed to the first signal.
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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.
94 Citations
21 Claims
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1. A mobile communication device for communicating using short distance communication signals, comprising:
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a memory; a processor in communication with the memory, wherein the processor of the mobile communication device is programmed to; receive a first short distance contactless communication signal; determine a transactional context of the mobile communication device based on the first short distance contactless communication signal; and activate an information transfer application appropriate for the transactional context based on the determination; and a transmitter in communication with the processor, wherein the transmitter is configured to transmit, by way of the information transfer application, a first signal to a first financial institution of a user of the mobile communication device and a second signal to a second financial institution of a seller, wherein the second signal is piggy-backed to the first signal. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A non-transitory computer-readable medium of a mobile communication device, wherein the computer-readable medium has instructions stored thereon, and wherein the instructions comprise:
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instructions to receive an activation signal; instructions to determine a transactional context of the mobile communication device based on the activation signal; instructions to activate an information transfer program for the transactional context; and instructions to cause the information transfer program to transmit a first signal to a first financial institution of a user of the mobile communication device and a second signal to a second financial institution of a seller, wherein the second signal is piggy-backed to the first signal. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
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21. A method for communicating using short distance communication signals, the method comprising:
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receiving, by a mobile communication device, an activation signal; determining a transactional context of the mobile communication device based on the activation signal; activating an information transfer program for the transactional context; and causing the information transfer program to transmit a first signal to a first financial institution of a user of the mobile communication device and a second signal to a second financial institution of a seller, wherein the second signal is piggy-backed to the first signal.
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Specification