REMOVABLE MODULE IN PERSONAL HANDHELD DEVICES FOR PERSONAL INFORMATION EXCHANGE

• US 20090055322A1
• Filed: 08/23/2007
• Published: 02/26/2009
• Est. Priority Date: 08/23/2007
• Status: Abandoned Application

• Current Assignee: Microsoft Technology Licensing LLC (Microsoft Corporation)
• Original Assignee: Microsoft Corporation
• Inventors: Williams, Charles J., Bykov, Sergey I.
• Application Number:
  US11/844,078
• Publication Number:
  US 20090055322A1
• Time in Patent Office: Days
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3263 characterised by activation or deactivation of payment capabilities
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A personal information exchange module in a standardized form is used as a plug-in to a personal handheld device for information exchange such as financial transactions, facility access, medical information exchange, and the like while protecting sensitive code and data associated with the module by separating those from the operating environment of the personal handheld device. Functional capabilities of the module may also be adjusted based on available power from the personal handheld device.

Claims

1. A method to be executed at least in part in a computing device for providing personal information exchange associated with a personal handheld device, the method comprising:

enabling a personal information exchange module to be plugged into the personal handheld device, wherein the module is configured to coordinate execution of an information exchange application such that sensitive code and sensitive data associated with the information exchange application is protected within the module;

activating the information exchange application; and

performing a personal information exchange transaction by communicating with a computing device through the module.

2. The method of claim 1, wherein the personal information exchange transaction includes at least one from a set of:

a financial transaction, a facility access transaction, an exchange of medical information transaction, and a personal identity information exchange transaction.

3. The method of claim 1, wherein the information exchange application is executed completely within the module independent from an operating system of the personal handheld device.

4. The method of claim 1, wherein coordinating the execution of the information exchange application includes:

enabling the application to be executed within an operating system of the personal handheld device; and

enabling user interaction with the application through a Graphical User Interface (GUI) controlled by the operating system.

5. The method of claim 1, wherein the personal handheld device is one of:

a cellular phone, a Personal Digital Assistant (PDA), a portable audio player, a portable video player, a remote control device, a portable medical monitoring device, and a portable communication device.

6. The method of claim 1, wherein the personal information exchange module is in a standardized form.

7. The method of claim 6, wherein the personal information exchange module is in a Subscriber Identity Module (SIM) form for connection to a standard SIM connector on a smart phone.

8. The method of claim 1, wherein the module is configured to communicate with the computing device employing one of:

wireless communication, wired communication, optical communication, and near field communication.

9. The method of claim 1, wherein the module is configured to utilize a user authentication mechanism integrated into the personal handheld device before performing the transaction, and wherein the authentication mechanism includes at least one from a set of:

Personal Identification Number (PIN) entry, fingerprint scanning, retina scanning, facial recognition, and voice recognition.

10. The method of claim 1, wherein at least one capability of the information exchange application is adjusted based on an available power level of the personal handheld device.

11. The method of claim 10, wherein the module is configured to switch from an active communication mode to a passive communication mode when the available power level drops below a predefined threshold such that the transaction can still be performed even if the personal handheld device is turned off due to lack of power.

12. The method of claim 1, wherein at least the information exchange application is activated in response to one of:

a user indication through the personal handheld device, detection of the computing device, and a command received from the computing device.

13. A removable personal information exchange module to be plugged into a personal handheld device, the module comprising:

a memory;

a data store for storing sensitive data;

a processor coupled to the memory and the data store, wherein the processor is configured to execute program instructions for;

in response to one of a user indication and detection of a terminal, activate an information exchange application for exchanging personal data with the terminal for performing one of;

a financial transaction, a facility access transaction, an exchange of medical information transaction, and a personal identity information exchange transaction;

storing received and updated data in the data store; and

upon completion of the transaction, provide a feedback to the user through the personal handheld device; and

a communication circuit for communicating with the terminal employing one of;

wireless communication, wired communication, optical communication, and near field communication.

14. The module of claim 13, wherein the program instructions enable interaction of the information exchange application with the user through a GUI controlled by an operating system of the personal handheld device by using one of:

a hard key, a soft key, a menu item, a display icon of the personal handheld device.

15. The module of claim 14, wherein the program instructions enable interaction of the information exchange application with the user through a GUI controlled by the module, and wherein the GUI interacts with at least one peripheral of the personal handheld device.

16. The module of claim 13, wherein at least one capability of the information exchange application is disabled in response to an available power level of the personal handheld device dropping below a predefined threshold.

17. The module of claim 13, wherein the processor is further configured to switch the communication circuit from an active communication mode to a passive communication mode in response to an available power level of the personal handheld device dropping below a predefined threshold.

18. A computer-readable storage medium with instructions stored thereon for enabling performance of financial transactions through a portable communication device, the instructions comprising:

activating a financial transaction application controlled by a removable module plugged into the portable communication device in response to a user indication through the portable communication device;

communicating with a terminal to provide personal data associated with the user for performing the financial transaction;

updating data stored in the removable module based on the performed transaction;

in response to detecting a drop of an available power level of the portable communication device, adjusting at least one capability of the removable module such that the transaction can be completed even if the portable communication device is turned off due to lack of power; and

providing a feedback to the user upon completion of the transaction.

19. The computer-readable storage medium of claim 18, wherein the user indication is one from a set of:

pressing a hard key, pressing a soft key, selection of an icon on a touch-sensitive display, and pressing of a combination of keys, and wherein the terminal is a Point of Sale (POS) terminal.

20. The computer-readable storage medium of claim 18, wherein the removable module is configured to store sensitive data associated with at least one account of the user.