Method and system for improving client server transmission over fading channel with wireless location and authentication technology via electromagnetic radiation
First Claim
1. A system configured to facilitate electronic communication of secure information, the system comprising:
- one or more memories that store account identification information of a financial account;
wherein the account identification information is associated with a unique identifier, the unique identifier being associated to a mobile terminal;
at least one input interface configured to receive the unique identifier and a payment request for a transaction, information of the unique identifier and the payment request having been sent in a short range electromagnetic radiation communication through a short range wireless connection by the mobile terminal, the associated account identification information of the financial account being excluded in the short range electromagnetic radiation communication; and
at least one output interface configured to send, in connection with recognition;
by the system;
of the unique identifier, and identification;
by the system of the associated account identification information of the financial account based on the recognized unique identifier, the associated account identification information of the financial account to accommodate a completion of processing the payment request with the associated account identification information of the financial account, the associated account identification information being sent through a network connection, the recognition of the unique identifier corresponding to registered information of the unique identifier,wherein the short range wireless connection is a short range electromagnetic radiation communication connection, the short range electromagnetic radiation communication connection being separate from the network connection through which the account identification information is sent from the at least one output interface;
wherein the short range wireless connection is a near field communication (NFC) channel; and
wherein the mobile terminal is a cellular phone.
3 Assignments
0 Petitions
Accused Products
Abstract
Wireless personal area network (Zigbee, Bluetooth, UWB) and wireless identification technologies (Near Field Communication (NFC), Radio Frequency Identification (RFID)) are implemented in particular client server functions and communications. Connected with an Authentication Server, a wireless HUB authenticates user identification and provides the user with access to secure data communication with a wireless terminal such as a cellular phone or a PDA. A Location Server provides user locations via methods such as RSSI, TDOA, and GPS and sends location information to a Center Control Server and the Authentication Server. With location information, the Center Control Server initiates and optimizes secure information processes and coordinates the functions of servers and user terminals.
54 Citations
78 Claims
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1. A system configured to facilitate electronic communication of secure information, the system comprising:
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one or more memories that store account identification information of a financial account;
wherein the account identification information is associated with a unique identifier, the unique identifier being associated to a mobile terminal;at least one input interface configured to receive the unique identifier and a payment request for a transaction, information of the unique identifier and the payment request having been sent in a short range electromagnetic radiation communication through a short range wireless connection by the mobile terminal, the associated account identification information of the financial account being excluded in the short range electromagnetic radiation communication; and at least one output interface configured to send, in connection with recognition;
by the system;
of the unique identifier, and identification;
by the system of the associated account identification information of the financial account based on the recognized unique identifier, the associated account identification information of the financial account to accommodate a completion of processing the payment request with the associated account identification information of the financial account, the associated account identification information being sent through a network connection, the recognition of the unique identifier corresponding to registered information of the unique identifier,wherein the short range wireless connection is a short range electromagnetic radiation communication connection, the short range electromagnetic radiation communication connection being separate from the network connection through which the account identification information is sent from the at least one output interface; wherein the short range wireless connection is a near field communication (NFC) channel; and wherein the mobile terminal is a cellular phone. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 62, 63, 64, 65, 69, 70, 75)
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20. A mobile terminal configured to facilitate processing of a payment request with a financial account, account identification information of the financial account being communicated through a network connection, the mobile terminal comprising:
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an identification element for retaining information of a unique identifier; a processor; and one or more memories configured to store program code that includes instructions executable by said processor, said instructions comprising; sending information of the payment request and the information of the unique identifier in a short range electromagnetic radiation communication over a short range wireless connection to accommodate a completion of processing the payment request with the account identification information of the financial account, the short range electromagnetic radiation communication comprising encrypted data, and the account identification information of the financial account being associated to the unique identifier and being excluded in the short range electromagnetic radiation communication; and receiving confirmation information regarding a completion of the processing of the payment request, wherein the short range wireless connection is a short range electromagnetic radiation communication channel, the short range electromagnetic radiation communication channel being separate from the network connection; wherein the short range electromagnetic radiation communication comprises encrypted data; wherein the short range wireless connection is a near field communication (NFC) channel; and wherein the mobile terminal is a cellular phone. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27, 28, 67, 68, 71, 72)
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29. A system configured to facilitate electronic communication of secure information, the system comprising:
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one or more memories that store account identification information of a financial account;
wherein the account identification information is associated to a unique identifier, the unique identifier being associated with a mobile terminal;at least one input interface configured to receive the unique identifier and a payment request for a transaction, information of the unique identifier and the payment request having been sent in a wireless communication, through a wireless communication network, by the mobile terminal, the associated account identification information of the financial account being excluded in the wireless communication; and at least one output interface configured to send, in connection with recognition by the system of the unique identifier and identification by the system of the associated account identification information of the financial account based on the recognized unique identifier, the associated account identification information of the financial account to accommodate a completion of processing the payment request with the associated account identification information of the financial account, the associated account identification information of the financial account being sent through a network connection, the recognition of the unique identifier corresponding to registered information of the unique identifier, wherein the wireless communication network is separate from the network connection through which the associated account identification information of the financial account is sent from the at least one output interface; wherein the mobile terminal is a cellular phone; wherein the wireless communication comprises encrypted data, the encrypted data being decrypted during the processing of the payment request; wherein the wireless communication network comprises a cellular network communication channel; wherein commercial information related with the payment request is sent to the mobile terminal through the cellular network communication channel, the commercial information being related to location information of the mobile terminal; and wherein confirmation information based upon the completion of the processing of the payment request is communicated through the cellular network communication channel. - View Dependent Claims (30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 76)
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41. A mobile terminal configured to facilitate processing of a payment request with a financial account, account identification information of the financial account being communicated through a network connection, the mobile terminal comprising:
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an identification element for retaining information of a unique identifier; a processor; and one or more memories configured to store program code that includes instructions executable by said processor, said instructions comprising; sending the information of the unique identifier and the payment request in a wireless communication through a wireless communication network to accommodate completion of processing the payment request with the account identification information of the financial account, the wireless communication comprising encrypted data, and the account identification information of the financial account being associated to the unique identifier and being excluded in the wireless communication; and receiving confirmation information regarding the completion of the processing of the payment request, wherein the wireless communication network is separate from the network connection; wherein the mobile terminal is a cellular phone; wherein the wireless communication comprises encrypted data; wherein the wireless communication network comprises a cellular network communication channel, the cellular network communication channel being separate from the network connection; wherein the mobile terminal is further configured to receive commercial information related to the payment request through the cellular network communication channel, the commercial information being related to location information of the mobile terminal; and
wherein the confirmation information received through the cellular network communication channel. - View Dependent Claims (42, 43, 44, 45, 78)
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46. A method for facilitating electronic communication of secure information, the method comprising:
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storing registration information about a mobile terminal including a unique identifier associated with the mobile terminal; storing account identification information of a financial account, the account identification information being associated to the unique identifier; receiving the unique identifier and a payment request for a transaction, information of the unique identifier and the payment request having been sent in a short range electromagnetic radiation communication through a short range wireless connection by the mobile terminal, the short range electromagnetic radiation communication comprising encrypted data, and the associated account identification information of the financial account being excluded in the short range electromagnetic radiation communication; and sending, in connection with recognition by the system of the unique identifier and identification by the system of the associated account identification information of the financial account based on the recognized unique identifier, the associated account identification information of the financial account to accommodate a completion of processing the payment request with the associated account identification information of the financial account, the associated account identification information of the financial account being sent through a network connection, and the recognition of the unique identifier corresponding to registered information of the unique identifier, wherein the short range wireless connection is a short range electromagnetic radiation communication connection, the short range electromagnetic radiation communication connection being separate from the network connection; wherein confirmation information is communicated based upon the completion of the processing of the payment request; wherein the short range wireless connection is a near field communication (NFC) channel; and wherein the mobile terminal is a cellular phone. - View Dependent Claims (47, 48, 49, 50, 51, 52, 53, 54, 66, 73, 74)
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55. A method configured to facilitate electronic communication of secure information, the method comprising:
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storing registration information about a mobile terminal including a unique identifier associated to the mobile terminal; storing account identification information of a financial account, the account identification information of the financial account being associated to the unique identifier; receiving the unique identifier and a payment request for a transaction, information of the unique identifier and the payment request having been sent in a wireless communication by the mobile terminal through a wireless communication network, the associated account identification information of the financial account being excluded in the wireless communication; and sending, in connection with recognition by the system of the unique identifier and identification by the system of the associated account identification information of the financial account based on the recognized unique identifier, the associated account identification information of the financial account to accommodate a completion of processing the payment request with the associated account identification information of the financial account, the associated account identification information of the financial account being sent through a network connection, the recognition of the unique identifier corresponding to registered information of the unique identifier; wherein the wireless communication network is separate from the network connection; wherein the mobile terminal is a cellular phone; wherein confirmation information is communicated based upon the completion of the processing of the payment request; wherein the wireless communication comprises encrypted data; wherein the encrypted data is decrypted during the processing of the payment request; wherein the wireless communication network comprises a cellular network communication channel, the cellular network communication channel being separate from the network connection; wherein commercial information related with the payment request is sent through the cellular network communication channel to the mobile terminal, the commercial information being related to the transaction associated with the payment request from the mobile terminal; and wherein the confirmation information about the completion of the processing the payment request is sent through the cellular network communication channel. - View Dependent Claims (56, 57, 58, 59, 60, 61, 77)
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Specification