SYSTEMS AND METHODS FOR PERFORMING WIRELESS FINANCIAL TRANSACTIONS
First Claim
1. A secure computing module for operable coupling to a host device, comprising:
- a processor for performing secure processing operations;
a host interface for operably coupling the processor to the host device;
a memory operably coupled to the processor, wherein the processor logically isolates at least some of the memory from access by the host device; and
a proximate-field wireless communicator operably coupled to the processor and configured for communication with another secure computing module associated with another host device when within a proximate-field range of the other secure computing module;
wherein the secure computing module is configured to generate a secure digital signature for a financial transaction package and communicate the financial transaction package and the secure digital signature to the other secure computing module using the proximate-field wireless communicator.
3 Assignments
0 Petitions
Accused Products
Abstract
A secure computing module (SCM) is configured for connection with a host device. The SCM includes a processor for performing secure processing operations, a host interface for coupling the processor to the host device, and a memory connected to the processor wherein the processor logically isolates at least some of the memory from access by the host device. The SCM also includes a proximate-field wireless communicator connected to the processor to communicate with another SCM associated with another host device. The SCM generates a secure digital signature for a financial transaction package and communicates the package and the signature to the other SCM using the proximate-field wireless communicator. Financial transactions are performed from person to person using the secure digital signature of each person'"'"'s SCM and possibly message encryption. The digital signatures and transaction details are communicated to appropriate financial organizations to authenticate the transaction parties and complete the transaction.
121 Citations
33 Claims
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1. A secure computing module for operable coupling to a host device, comprising:
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a processor for performing secure processing operations; a host interface for operably coupling the processor to the host device; a memory operably coupled to the processor, wherein the processor logically isolates at least some of the memory from access by the host device; and a proximate-field wireless communicator operably coupled to the processor and configured for communication with another secure computing module associated with another host device when within a proximate-field range of the other secure computing module; wherein the secure computing module is configured to generate a secure digital signature for a financial transaction package and communicate the financial transaction package and the secure digital signature to the other secure computing module using the proximate-field wireless communicator. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method of performing a financial transaction, comprising:
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determining financial transaction details for the financial transaction; signing the financial transaction details with a buyer'"'"'s secure digital signature; signing the financial transaction details with a seller'"'"'s secure digital signature, wherein the financial transaction details, the buyer'"'"'s secure digital signature, and the seller'"'"'s secure digital signature comprise a financial transaction package; communicating the financial transaction package between a buyer'"'"'s wireless communication device and a seller'"'"'s wireless communication device via a proximate-field wireless communication channel; communicating the financial transaction package to a seller'"'"'s financial organization via a cellular communication channel; communicating the financial transaction package from the seller'"'"'s financial organization to a buyer'"'"'s financial organization; from the seller'"'"'s financial organization; verifying the seller'"'"'s secure digital signature and the financial transaction details; and sending a seller approval to the buyer'"'"'s financial organization; and from the buyer'"'"'s financial organization; verifying the buyer'"'"'s secure digital signature and the financial transaction details; sending a buyer approval to the seller'"'"'s financial organization; and performing a fund transfer from the buyer'"'"'s financial organization to the seller'"'"'s financial organization. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21)
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22. A method of performing a financial transaction, comprising:
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determining financial transaction details for the financial transaction; signing the financial transaction details with a buyer'"'"'s secure digital signature; signing the financial transaction details with a seller'"'"'s secure digital signature, wherein the financial transaction details, the buyer'"'"'s secure digital signature, and the seller'"'"'s secure digital signature comprise a financial transaction package; communicating the financial transaction package between a buyer'"'"'s wireless communication device and a seller'"'"'s wireless communication device via a proximate-field wireless communication channel; communicating the financial transaction package to a buyer'"'"'s financial organization via a cellular communication channel; communicating the financial transaction package from the buyer'"'"'s financial organization to a seller'"'"'s financial organization; from the seller'"'"'s financial organization; verifying the seller'"'"'s secure digital signature and the financial transaction details; and sending a seller approval to the buyer'"'"'s financial organization; and from the buyer'"'"'s financial organization; verifying the buyer'"'"'s secure digital signature and the financial transaction details; sending a buyer approval to the seller'"'"'s financial organization; and performing a fund transfer from the buyer'"'"'s financial organization to the seller'"'"'s financial organization. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29)
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30. A method of performing a financial transaction, comprising:
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determining financial transaction details for the financial transaction; signing the financial transaction details with a buyer'"'"'s secure digital signature; signing the financial transaction details with a seller'"'"'s secure digital signature, wherein the financial transaction details, the buyer'"'"'s secure digital signature, and the seller'"'"'s secure digital signature comprise a financial transaction package; communicating the financial transaction package between a buyer'"'"'s cellular communication device and a seller'"'"'s Internet site; communicating the financial transaction package to a buyer'"'"'s financial organization; communicating the financial transaction package to a seller'"'"'s financial organization; from the seller'"'"'s financial organization; verifying the seller'"'"'s secure digital signature and the financial transaction details; and sending a seller approval to the buyer'"'"'s financial organization; and from the buyer'"'"'s financial organization; verifying the buyer'"'"'s secure digital signature and the financial transaction details; sending a buyer approval to the seller'"'"'s financial organization; and performing a fund transfer from the buyer'"'"'s financial organization to the seller'"'"'s financial organization. - View Dependent Claims (31, 32)
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33. A system for performing secure financial transactions, comprising
a first host device associated with a buyer and including a first secure computing module operably coupled thereto, the first secure computing module configured to: -
generate a buyer'"'"'s secure digital signature for a financial transaction package; and communicate the financial transaction package and the buyer'"'"'s secure digital signature to a second secure computing module when within a proximate-field range of the second secure computing module; and a second host device associated with a seller and including the second secure computing module operably coupled thereto, the first computing module configured to; generate a seller'"'"'s secure digital signature for the financial transaction package; and communicate the financial transaction package and the seller'"'"'s secure digital signature to the first secure computing module when within the proximate-field range of the first secure computing module.
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Specification