Transaction authentication for 1-way wireless financial messaging units

• US 6,105,006 A
• Filed: 12/22/1997
• Issued: 08/15/2000
• Est. Priority Date: 12/22/1997
• Status: Expired due to Term

• Current Assignee: Google Technology Holdings LLC (Alphabet Inc.)
• Original Assignee: Gregg Edward Rasor, Philip Paul Macnak, Walter Lee Davis
• Inventors: Rasor, Gregg Edward, Macnak, Philip Paul, Davis, Walter Lee
• Primary Examiner(s): Trammell, James P.
• Assistant Examiner(s): Nguyen, Nga B.
• Application Number:
  US08/996,179
• Time in Patent Office: 967 Days
• Field of Search: 705/35, 705/39, 705/40, 705/41, 705/42, 380/24, 380/4, 380/25, 357/17, 358/88, 310/323, 340/825, 235/379, 235/380
• US Class Current: 705/35
• 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 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04M 2203/609 Secret communication
• CPC Class Codes: H04M 3/382 using authorisation codes or passwords
• CPC Class Codes: H04M 3/493 Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals

Abstract

A secure financial messaging unit (906) includes a wide area radio frequency receiver (804), a selective call decoder (1004), a financial transaction processor (1014), a main processor (1006), and a message origination unit (1034). The message origination unit (1034) operates in at least one of a reply and confirmation mode and a originate and request mode to effect a wireless financial transaction using a local area link (924).

Claims

1. A secure financial messaging unit, comprising:

a wide area radio frequency receiver;

a selective call decoder coupled to the wide area radio frequency receiver;

a financial transaction processor coupled to the selective call decoder;

a main processor coupled to the financial transaction processor and the selective call decoder; and

a message origination unit coupled to the main processor, the message origination unit operating in at least one of a reply and confirmation mode and an originate and request mode to effect a wireless financial transaction using a local area link.

2. The secure financial messaging unit according to claim 1 wherein the message origination unit comprises:

a transducer coupled to the main processor, the transducer operating to couple a secure financial transaction message between the secure financial messaging unit and a regulator using the local area link to effect the wireless financial transaction.

3. The secure financial messaging unit according to claim 2 wherein the transducer comprises:

an optical device that communicates information comprising the secure financial transaction message in at least one of a uni-directional and a bi-directional way with the local area link for at least one of initiating the wireless financial transaction, authenticating the wireless financial transaction, and confirming completion of the wireless financial transaction.

4. The secure financial messaging unit according to claim 3 wherein the optical device comprises:

an light detector that detects light in a visible spectrum.

5. The secure financial messaging unit according to claim 3 wherein the optical device comprises:

an light detector that detects light in an infrared spectrum.

6. The secure financial messaging unit according to claim 3 wherein the optical device comprises:

an light detector that detects light in an ultraviolet spectrum.

7. The secure financial messaging unit according to claim 3 wherein the optical device comprises:

an light detector that detects light in any spectrum.

8. The secure financial messaging unit according to claim 3 wherein the optical device comprises:

an light emitting diode that emits light in a visible spectrum.

9. The secure financial messaging unit according to claim 3 wherein the optical device comprises:

an light emitting diode that emits light in an infrared spectrum.

10. The secure financial messaging unit according to claim 3 wherein the optical device comprises:

an light emitting diode that emits light in an ultraviolet spectrum.

11. The secure financial messaging unit according to claim 3 wherein the optical device comprises:

an light emitting diode that emits laser light in any spectrum.

12. The secure financial messaging unit according to claim 2 wherein the transducer comprises:

an acoustic device that communicates information comprising the secure financial transaction message in at least one of a uni-directional and a bi-directional way with the local area link for at least one of initiating the wireless financial transaction, authenticating the wireless financial transaction, and confirming completion of the wireless financial transaction.

13. The secure financial messaging unit according to claim 12 wherein the acoustic device comprises:

an audio transducer that detects audio energy in an ultrasonic spectrum.

14. The secure financial messaging unit according to claim 12 wherein the acoustic device comprises:

an audio transducer that detects audio energy in an audible spectrum.

15. The secure financial messaging unit according to claim 12 wherein the acoustic device comprises:

an audio transducer that emits audio energy in an ultrasonic spectrum.

16. The secure financial messaging unit according to claim 12 wherein the acoustic device comprises:

an audio transducer that emits audio energy in an audible spectrum.

17. The secure financial messaging unit according to claim 2 wherein the transducer comprises:

an electromagnetic device that communicates information comprising the secure financial transaction message in at least one of a uni-directional and a bi-directional way with the local area link for at least one of initiating the wireless financial transaction, authenticating the wireless financial transaction, and confirming completion of the wireless financial transaction.

18. The secure financial messaging unit according to claim 17 wherein the electromagnetic device comprises:

a magnetic field transducer that detects information broadcast from the local area link.

19. The secure financial messaging unit according to claim 17 wherein the electromagnetic device comprises:

an electric field transducer that detects information broadcast from the local area link.

20. The secure financial messaging unit according to claim 17 wherein the electromagnetic device comprises:

a magnetic field transducer that broadcasts information to the local area link.

21. The secure financial messaging unit according to claim 17 wherein the electromagnetic device comprises:

an electric field transducer that broadcasts information to the local area link.

22. The secure financial messaging unit according to claim 2 wherein the local area link comprises a conventional acoustic telephone that is acoustically coupled to an acoustic transducer in the secure financial messaging unit for communicating information comprising the secure financial transaction message in at least one of a uni-directional and a bi-directional way with the local area link for at least one of initiating the wireless financial transaction, authenticating the wireless financial transaction, and confirming completion of the wireless financial transaction.

23. The secure financial messaging unit according to claim 2 wherein the local area link comprises an infrared enabled point of sale terminal that is optically coupled to an optical transducer in the secure financial messaging unit for communicating information comprising the secure financial transaction message in at least one of a uni-directional and a bi-directional way with the local area link for at least one of initiating the wireless financial transaction, authenticating the wireless financial transaction, and confirming completion of the wireless financial transaction.

24. The secure financial messaging unit according to claim 2 wherein the local area link comprises an infrared enabled automatic teller machine that is optically coupled to an optical transducer in the secure financial messaging unit for communicating information comprising the secure financial transaction message in at least one of a uni-directional and a bi-directional way with the local area link for at least one of initiating the wireless financial transaction, authenticating the wireless financial transaction, and confirming completion of the wireless financial transaction.

25. The secure financial messaging unit according to claim 2 wherein the local area link comprises an low power radio frequency enabled point of sale terminal that is magnetically coupled to a magnetic transducer in the secure financial messaging unit for communicating information comprising the secure financial transaction message in at least one of a uni-directional and a bi-directional way with the local area link for at least one of initiating the wireless financial transaction, authenticating the wireless financial transaction, and confirming completion of the wireless financial transaction.

26. The secure financial messaging unit according to claim 2 wherein the local area link comprises an low power radio frequency enabled point of sale terminal that is electrically coupled to an electric transducer in the secure financial messaging unit for communicating information comprising the secure financial transaction message in at least one of a uni-directional and a bi-directional way with the local area link for at least one of initiating the wireless financial transaction, authenticating the wireless financial transaction, and confirming completion of the wireless financial transaction.

27. The secure financial messaging unit according to claim 2 wherein the local area link comprises an low power radio frequency enabled automatic teller machine that is magnetically coupled to a magnetic transducer in the secure financial messaging unit for communicating information comprising the secure financial transaction message in at least one of a uni-directional and a bi-directional way with the local area link for at least one of initiating the wireless financial transaction, authenticating the wireless financial transaction, and confirming completion of the wireless financial transaction.

28. The secure financial messaging unit according to claim 2 wherein the local area link comprises an low power radio frequency enabled automatic teller machine that is electrically coupled to an electric transducer in the secure financial messaging unit for communicating information comprising the secure financial transaction message in at least one of a uni-directional and a bi-directional way with the local area link for at least one of initiating the wireless financial transaction, authenticating the wireless financial transaction, and confirming completion of the wireless financial transaction.

29. In a secure financial messaging unit, a method comprising the steps of:

receiving a selective call message including a secure financial transaction message, the selective call message being broadcast from a wide area selective call signalling system;

decoding the selective call message to recover the secure financial transaction message;

decrypting the secure financial transaction message recovered from the selective call message; and

presenting a message indicating that at least one of a confirmation and an authentication of a financial transaction associated with the secure financial transaction message is requested.

30. The method according to claim 29 comprising the steps of:

selecting at least one of a optical, an electromagnetic, and an acoustic transducer in a message origination unit to communicate a response to the secure financial transaction message; and

contacting a regulator using a local link between the message origination unit and at least one of a point of sale terminal and an automatic teller machine to communicate the response to the secure financial transaction message, the regulator being an authority that requested the at least one of the confirmation and the authentication of the financial transaction associated with the secure financial transaction message.

31. The method according to claim 30 comprising the steps of:

receiving at least one of a transaction authorization and a transaction confirmation from the regulator via at least one of the wide area selective call signalling system and the local link, thereby allowing the secure financial messaging unit to complete the financial transaction associated with the secure financial transaction message.

32. The method according to claim 30 comprising the steps of:

identifying the financial transaction associated with the secure financial transaction message to the regulator before allowing the secure financial messaging unit to complete the financial transaction associated with the secure financial transaction message.

33. The method according to claim 30 comprising the steps of:

identifying the secure financial messaging unit to the regulator before allowing the secure financial messaging unit to complete the financial transaction associated with the secure financial transaction message.

34. The method according to claim 30 comprising the steps of:

identifying the secure financial messaging unit to the regulator after allowing the secure financial messaging unit to complete the financial transaction associated with the secure financial transaction message.

35. In a secure financial messaging unit, a method comprising the steps of:

generating a message requesting a financial transaction;

selecting at least one of a optical, an electromagnetic, and an acoustic transducer in a message origination unit to communicate the message requesting a financial transaction;

contacting a regulator using a local link between the message origination unit and at least one of a point of sale terminal and an automatic teller machine, the regulator being an authority that governs the financial transaction;

receiving a selective call message including a response to the message, the selective call message being broadcast from a wide area selective call signalling system;

decoding the selective call message to recover a secure financial transaction message;

decrypting the secure financial transaction message recovered from the selective call message; and

presenting a message indicating that at least one of a confirmation and an authentication of the financial transaction associated with the secure financial transaction message is requested.

36. The method according to claim 35 comprising the steps of:

receiving at least one of a transaction authorization and a transaction confirmation from the regulator via at least one of the wide area selective call signalling system and the local link, thereby allowing the secure financial messaging unit to complete the financial transaction.

37. The method according to claim 35 comprising the steps of:

identifying the financial transaction to the regulator before allowing the secure financial messaging unit to complete the financial transaction.

38. The method according to claim 35 comprising the steps of:

identifying the secure financial messaging unit to the regulator before allowing the secure financial messaging unit to complete the financial transaction.

39. The method according to claim 35 comprising the steps of:

identifying the secure financial messaging unit to the regulator after allowing the secure financial messaging unit to complete the financial transaction.