Wireless wallet

• US 20050187873A1
• Filed: 01/31/2005
• Published: 08/25/2005
• Est. Priority Date: 08/08/2002
• Status: Active Grant

• Current Assignee: PCMS Holdings Incorporated (InterDigital, Inc.)
• Original Assignee: Fujitsu Limited
• Inventors: Ji, Lusheng, Labrou, Yannis, Terriza, Jesus Molina, Agre, Jonathan Russell, Chen, Wei-lun
• Granted Patent: US 7,822,688 B2
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/3674 involving authentication
• 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
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A mobile phone system and method of initializing, at a secure transaction server (STS), a mobile payment software with a software authentication parameter, as an authentic mobile payment software; providing an STS correlation between a personal identification entry (PIE) and the authentic mobile payment software; installing, in a mobile phone, the authentic mobile payment software; and inputting, by a user, the PIE to the installed authentic mobile payment software to generate according to the PIE and the software authentication parameter a transformed secure authenticable mobile phone cashless monetary transaction over the mobile phone network, as a mobile phone wireless wallet of the user of the mobile phone. The mobile phone authenticable cashless monetary transaction is performed according to an agreement view(s) protocol.

Claims

1. A method, comprising:

initializing, at a secure transaction server (STS), a mobile payment software with a software authentication parameter, as an authentic mobile payment software;

providing an STS correlation between a personal identification entry (PIE) and the authentic mobile payment software;

installing, in a mobile phone, the authentic mobile payment software; and

inputting, by a user, the PIE to the installed authentic mobile payment software to generate according to the PIE and the software authentication parameter a transformed secure authenticable mobile phone cashless monetary transaction over a mobile phone network, as a mobile phone wireless wallet of the user of the mobile phone.

2. The method of claim 1, further comprising implementing the authentic mobile payment software according to an application platform of the mobile phone.

3. The method of claim 1, further comprising implementing the authentic mobile payment software according to Java 2 Platform Micro Edition (J2ME) and/or Binary Runtime Environment for Wireless (BREW).

4. The method of claim 1, further comprising:

providing to the mobile phone a download link to the authentic mobile payment software; and

downloading to the mobile phone the authentic mobile payment software via the download link, thereby performing the installing of the authentic mobile payment software.

5. The method of claim 4, wherein the authentic mobile payment software downloaded link is transmitted to the mobile phone using short/multimedia message service.

6. The method of claim 1, wherein the mobile phone authenticable cashless monetary transaction is performed according to Universal Pervasive Transaction Framework Secure Agreement Submission (UPTF SAS) protocol.

7. The method of claim 1,

wherein the authenticable mobile phone cashless monetary transaction is performed according to Universal Pervasive Transaction Framework Secure Agreement Submission (UPTF SAS) protocol,

wherein the initializing of the authentic mobile payment software comprises:

providing to the user a mobile phone cashless monetary transaction activation link at a computing device;

registering a phone number of the mobile phone of the user via the activation link;

transmitting the registered phone number of the mobile phone to the STS;

generating, by the STS, an executable mobile payment software including the initialization parameter, as the authentic mobile payment software; and

generating, by the STS, the PIE correlated in the STS with the authentic mobile payment software, and

wherein the installing of the authentic mobile payment software download link comprises;

transmitting, by the STS, via short/multimedia message service using the registered mobile phone number, a download link to the authentic mobile payment software to the mobile phone of the user;

downloading to the mobile phone the authentic mobile payment software via the download link, thereby performing the installing of the authentic mobile payment software; and

providing, by the STS, the PIE to the user.

8. The method of claim 6, further comprising:

correlating, at the STS, abstracted registered financial entities information of the user with the authentic mobile payment software;

binding the authentic mobile payment software with transaction information of a transaction party;

presenting, by the STS at the mobile phone, a selectable list of abstracted identifiers corresponding to the registered financial entities of the user correlated with the authentic mobile payment software; and

executing the mobile phone cashless monetary transaction with the transaction party using the PIE and the software authentication parameter and according to UPTF transaction messages that comprise an identifier of the mobile phone, an identifier of the transaction party, and an identifier of the transaction, thereby providing the mobile phone wireless wallet based upon a combination of the authentic mobile payment software at the mobile phone and the STS correlations of the authentic mobile payment software with the PIE, the software authentication parameter, and the financial entities of the user, and exchange of the UPTF transaction messages between the user, the transaction party and the STS.

9. The method of claim 6, wherein the UPTF SAS comprises

generating, by the mobile phone, a first view of the mobile phone cashless monetary transaction, and transmitting the first view of the transaction to the STS according to the SAS;

generating, independently by a party to the transaction, a second view of the transaction, and transmitting the second view of the transaction to the STS according to the SAS; and

verifying, by the STS, the first and second views to authenticate the transaction, and

causing, by the STS, execution of the transaction based upon the verifying.

10. The method of claim 9, wherein the first and second views are symmetrical and the SAS comprises generating as each independent view of the transaction an unencrypted perceptible part comprising an identification of a first mobile phone for the first view and a current timestamp, and an encrypted part by performing a combination of time and authentic mobile payment software dependent transformations based upon the PIE, on a transaction message that comprises data of the transaction, the identification of the first mobile phone and an identification of a second device for the second view.

11. The method of claim 9,

wherein the software authentication parameter comprises a plurality of parameters of an initialization time stamp and an initialization random seed number, and

wherein the first and second views are symmetrical and the SAS comprises:

generating as each independent view of the transaction, an unencrypted perceptible part comprising an identification of a first mobile phone for the first view and a current timestamp, and an encrypted part by performing a combination of transformations based upon the PIE and the software authentication parameters included in the authentic payment software by the STS in the initializing, on a transaction message that comprises data of the transaction, the identification of the first mobile phone and an identification of a second device for the second view.

12. The method of claim 11, wherein the combination of transformations to encrypt comprises:

generating a transaction random sequence number based upon the software authentication parameters of the authentic payment software; and

generating an encryption key based upon the transaction random sequence number and the PIE.

13. The method of claim 12, wherein the generating of the encryption key further comprises:

generating a current time stamp;

converting the current time stamp to a string;

using a one way function to convert the current time stamp string to a current time stamp value;

determining a time difference value between the current time stamp and the initialization time stamp;

computing a Keyed-Hashing for Message Authentication (HMAC) result, based upon the initialization random seed number and the time difference value, to generate the transaction random sequence number;

selecting a number of bits from the HMAC result as the transaction random sequence number and combining the selected number of bits with the PIE;

computing a hash value of the combination; and

selecting a number of bits of the hash value to generate the encryption key.

14. The method of claim 13, wherein the number of bits is about 128.

15. The method of claim 4, wherein an online payment system provides the mobile phone cashless monetary transaction activation link to a member of the online payment system as the user, thereby providing person-to-person mobile phone authenticable cashless monetary transactions using the user'"'"'s mobile phone wireless wallet.

16. The method of claim 15, further comprising:

displaying on the mobile phone of the user a graphical user interface presenting selectable menu items comprising person-to-person payment, person-to-person transaction, a pending payment request by another person, setup, or any combination thereof;

upon selection of the person-to-person payment or the pending payment request menu items, displaying a graphical user interface accepting inputs comprising a mobile phone number, an email address or any combination thereof, of a transaction party; and

upon input of a mobile phone number and/or an email address of the transaction party, and the PIE, executing the mobile phone cashless monetary transaction with the transaction party using the mobile phone wireless wallet of the mobile phone user.

17. The method of claim 16, wherein the accepting inputs further comprises accepting abstracted previously registered financial account reference identifiers of the mobile phone user to execute the transaction.

18. The method of claim 1,

wherein the mobile phone authenticable cashless monetary transaction is performed according to Universal Pervasive Transaction Framework Secure Agreement Submission (UPTF SAS) protocol, and the method further comprises:

correlating, at the STS, abstracted financial entity information of the user with the authentic mobile payment software; and

providing person-to-person mobile phone UPTF authenticable cashless monetary transactions using the user mobile phone wireless wallet.

19. The method of claim 1, wherein the PIE is an alphanumeric string having less than or equal to 5 characters.

20. The method of claim 6, further comprising transmitting the mobile phone authenticable cashless transaction messages over a mobile phone communications network according to Hypertext Transfer Protocol (HTTP), socket based communication, and/or web service calls.

21. The method of claim 8, wherein the executing of the mobile phone cashless monetary transaction further comprises:

receiving a mobile phone display screen displayable barcode image as a receipt of the executed mobile phone cashless monetary transaction and/or other transaction, receipt related information;

displaying the barcode image on a display screen of the mobile phone; and

reading, at a physical point of service of the transaction party, the displayed barcode image for transaction management by the transaction party.

22. The method of claim 18, wherein the person-to-person mobile phone UPTF authenticable cashless monetary transactions comprise sending a payment to a person, requesting a payment from another person, checking a pending request for payment from another, storing and retrieving records of transactions, or any combination thereof.

23. The method of claim 1, wherein the installing of the authentic mobile payment software in the mobile phone comprises downloading the authentic mobile payment software to the mobile phone, storing the authentic mobile payment software on a mobile phone installable computer readable medium, storing the authentic mobile payment software in a mobile phone embedded computer readable medium, or any combination thereof.

24. The method of claim 7, wherein the providing of the PIE to the user comprises delivering the PIE to the user as an image through a third party.

25. The method of claim 21, further comprising storing in the mobile phone the barcode image transaction receipt.

26. The method of claim 1, further comprising rewarding a mobile phone wireless wallet transaction with an automatic download of a mobile phone content comprising a ringtone, a game, a digital/media content, software, or any combination thereof, and/or a credit towards any thereof.

27. The method of claim 22, further comprising notifying the user at the mobile phone of a status of the mobile phone UPTF authenticable cashless monetary transaction using Short/Multimedia Message Service, email, and/or voice message.

28. The method of claim 21, further comprising notifying the user at the mobile phone of a status of the mobile phone UPTF authenticable cashless monetary transaction using Short/Multimedia Message Service, email, and/or voice message, including transaction receipt information.

29. The method of claim 18, wherein the PIE is an alphanumeric string having less than or equal to 5 characters.

30. A mobile phone, comprising:

a computer readable medium storing a mobile payment software initialized at a secured transaction server (STS) with a software authentication parameter and correlated with a personal identification entry (PIE), as an authentic mobile payment software; and

a programmed computer processor executing the authentic mobile payment software controlling the mobile phone according to a process comprising;

prompting a user to input the PIE, and generating according to the PIE and the software authentication parameter a transformed secure authenticable mobile phone cashless monetary transaction over a mobile phone network, as a mobile phone wireless wallet of the user of the mobile phone.

31. A computer system, comprising:

a computer server comprising a programmed computer controlling the server according to a process comprising;

initializing a mobile payment software with a software authentication parameter, as an authentic mobile payment software,

generating a secured personal identification entry (PIE);

providing a secured correlation between the PIE and the authentic mobile payment software, and

providing an online purchasing interface; and

a mobile phone in mobile phone network communication with the server and comprising;

a computer readable medium storing the authentic mobile payment software, and

a computer processor executing the authentic mobile payment software controlling the mobile phone according to a process comprising;

interfacing with the online purchasing interface to generate a virtual shopping cart,

prompting a user to input the PIE,

generating according to the PIE and the software authentication parameter a transformed secure authenticable mobile phone cashless monetary transaction based upon the virtual shopping cart, and

transmitting over the mobile phone network the transformed secure authenticable mobile phone cashless monetary transaction to the computer server to execute the transaction.