Secure messaging system overlay for a selective call signaling system

• US 6,314,519 B1
• Filed: 12/22/1997
• Issued: 11/06/2001
• Est. Priority Date: 12/22/1997
• Status: Expired due to Term

• Current Assignee: Google Technology Holdings LLC (Alphabet Inc.)
• Original Assignee: Motorola, Inc. (Motorola Solutions, Inc.)
• Inventors: Davis, Walter Lee, LaVell, Jeff
• Primary Examiner(s): Swann, Tod R.
• Assistant Examiner(s): Callahan, Paul E.
• Application Number:
  US08/995,481
• Time in Patent Office: 1,415 Days
• Field of Search: 340/286.01, 340/286.02, 340/286.06, 340/311.1, 380/18, 380/19, 380/21, 380/24, 380/34, 380/43, 380/45, 380/47, 902/2, 902/4, 902/5, 902/8, 902/9, 902/41, 358/440, 358/443, 358/305, 370/224, 370/235, 370/236, 370/278, 370/277, 370/310, 370/311, 370/313, 370/321, 370/324, 370/328, 370/330, 370/335, 370/441, 370/470, 370/471, 370/472-476, 370/485, 370/489, 370/490, 370/493, 455/4.2, 455/403-408, 455/410, 455/411, 455/414-416, 455/422, 455/426, 455/458, 455/500-507, 455/558, 455/899, 178/79, 379/56-- 5, 379/88.11, 379/88.15, 379/91.01, 379/93.06, 379/93.12, 379/93.27
• US Class Current: 726/4
• 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 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• 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 secure messaging system (900) generates a secure financial transaction message. A wireless selective call signaling system controller (102) receives the secure financial transaction message as a selective call message request including a destination identifier. A selective call message processor (1104) encapsulates the secure financial transaction message in a selective call message that includes a selective call address corresponding with the destination identifier. A selective call transmission service (904) conveys the selective call message to a financial messaging unit (906) that receives the selective call message, and in response to correlating the selective call address with a selective call address corresponding with the financial messaging unit (906), recovers the secure financial transaction message to effect a financial transaction.

Claims

1. A secure messaging system, comprising:

A) a first secure message generator that creates a secure financial transaction message;

B) a wireless selective call signaling system controller that receives the secure financial transaction message, the system controller comprising;

a selective call message processor comprising;

a processor having associated electronic memory for executing a control program that;

receives selective call message requests comprising a destination identifier and the secure financial transaction message; and

encapsulates the secure financial transaction message in a selective call message that includes a selective call address corresponding with the destination identifier; and

a selective call message distributor coupled to the selective call message processor, the selective call message distributor operating to distribute the selective call message to a selective call transmission service in response to the destination identifier; and

a financial messaging unit that receives the selective call message, and in response to correlating the selective call address with a selective call address corresponding with the financial messaging unit, recovers the secure financial transaction message to effect a financial transaction.

2. The secure messaging system according to claim 1, comprising:

a first secure message decoder coupled to the wireless selective call signaling system controller and the first secure message generator, the first secure message decoder operating to decode a financial transaction request received from one of a local and a remote financial transaction system.

3. The secure messaging system according to claim 2, comprising:

a first financial transaction processor coupled to the first secure message generator and the first secure message decoder, the first financial transaction processor allowing completion of a financial transaction based on a financial transaction request when the financial transaction request is authenticated as originating from an authorized party and the financial transaction is permitted by a regulator.

4. The secure messaging system according to claim 2, comprising:

a first financial transaction processor coupled to the first secure message generator and the first secure message decoder, the first financial transaction processor denying completion of a financial transaction based on the financial transaction request when at least one of;

the financial transaction request is not authenticated as originating from an authorized party; and

the financial transaction is not permitted by a regulator.

5. The secure messaging system according to claim 4, wherein the financial transaction is not permitted by a regulator when a predetermined fund transfer limit is exceeded.

6. The secure messaging system according to claim 4, wherein the financial transaction is not permitted by a regulator when a predetermined credit limit is exceeded.

7. The secure messaging system according to claim 2, comprising:

a second secure message generator coupled to the financial messaging unit, the second secure message generator operating to create the financial transaction request;

a portable transmitter coupled to the second secure message generator, the portable transmitter operating to broadcast the financial transaction request to the selective call message processor; and

a receiver coupled to the selective call message processor, the receiver operating to receive and couple the financial transaction request to the selective call message processor.

8. The secure messaging system according to claim 7, comprising:

a first financial transaction processor coupled to the first secure message generator and the first secure message decoder, the first financial transaction processor allowing completion of a financial transaction based on the financial transaction request when the financial transaction request is authenticated as originating from the financial messaging unit and the financial transaction is permitted by a regulator.

9. The secure messaging system according to claim 8 wherein the first financial transaction processor generates and returns a second financial transaction processor disable message to the financial messaging unit when inappropriate use of the financial messaging unit is detected, the second financial transaction processor disable message operating to disable a second financial transaction processor and prevent any further financial transactions by the financial messaging unit.

10. The secure messaging system according to claim 8, comprising:

a second secure message decoder coupled to the financial messaging unit and the second secure message generator, the second secure message decoder operating to decode the secure financial transaction message received from the wireless selective call signaling system controller.

11. The secure messaging system according to claim 10, comprising:

a second financial transaction processor coupled to the second secure message generator and the second secure message decoder, the second financial transaction processor allowing completion of a financial transaction based on the secure financial transaction message when the secure financial transaction message is authenticated as originating from the first financial transaction processor and the financial transaction is permitted by a regulator.

12. The secure messaging system according to claim 10, comprising:

a second financial transaction processor coupled to the second secure message generator and the second secure message decoder, the second financial transaction processor denying completion of a financial transaction based on the secure financial transaction message when at least one of;

the secure financial transaction message is not authenticated as originating from the first financial transaction processor; and

the financial transaction is not permitted by a regulator.

13. The secure messaging system according to claim 7, comprising:

a first financial transaction processor coupled to the first secure message generator and the first secure message decoder, the first financial transaction processor denying completion of a financial transaction based on the financial transaction request when at least one of;

the financial transaction request is not authenticated as originating from the financial messaging unit; and

the financial transaction is not permitted by a regulator.

14. The secure messaging system according to claim 13, wherein the financial transaction is not permitted by a regulator when a predetermined fund transfer limit is exceeded.

15. The secure messaging system according to claim 13, wherein the financial transaction is not permitted by a regulator when a predetermined credit limit is exceeded.

16. The secure messaging system according to claim 2 wherein the first secure message generator and a second secure message generator utilizes public key cryptographic techniques to encrypt at least a portion of the secure financial transaction message used to transport a financial transaction session key.

17. The secure messaging system according to claim 16 wherein the financial messaging unit comprises:

a second secure message decoder that decrypts, using public key cryptographic techniques, at least a portion of the secure financial transaction message to recover the financial transaction session key.

18. The secure messaging system according to claim 17 wherein the second secure message decoder further decrypts a remaining portion of the secure financial transaction message using the financial transaction session key.

19. The secure messaging system according to claim 1 wherein the destination identifier corresponds with a unique credit card type enabled in the financial messaging unit.

20. The secure messaging system according to claim 1 wherein the destination identifier corresponds with a unique debit card type enabled in the financial messaging unit.

21. The secure messaging system according to claim 1 wherein the destination identifier corresponds with a unique value card type enabled in the financial messaging unit.

22. The secure messaging system according to claim 1 wherein the selective call message is a POCSAG format message.

23. The secure messaging system according to claim 1 wherein the selective call message is a Motorola FLEX™

format message.

24. The secure messaging system according to claim 1 wherein the secure financial transaction message is further encrypted within the selective call message.

25. The secure messaging system according to claim 24 wherein the secure financial transaction message is further encrypted using public key cryptography.

26. The secure messaging system according to claim 24 wherein the secure financial transaction message is further encrypted at least in part by public key cryptography.

27. The secure messaging system according to claim 26 wherein the public key cryptography is implemented using elliptic curve cryptography.

28. The secure messaging system according to claim 24 wherein the secure financial transaction message is further encrypted using symmetric private key cryptography.

29. The secure messaging system according to claim 28 wherein the financial messaging unit stores a token representing a value for later transfer to a smart card, the token being recovered from a content of the secure financial transaction message.

30. The secure messaging system according to claim 24 wherein the secure financial transaction message is further encrypted using asymmetric private key cryptography.

31. The secure messaging system according to claim 30 wherein the financial messaging unit directly transfers a token representing a value to a smart card, the token being recovered from a content of the secure financial transaction message.

32. The secure messaging system according to claim 30 wherein the financial messaging unit directly stores a token representing a value, the token being recovered from a content of the secure financial transaction message.

33. The secure messaging system according to claim 32 wherein the financial messaging unit includes a portable financial transaction processor that allows the financial messaging unit to operate as a wireless smart card.

34. The secure messaging system according to claim 1 wherein the financial messaging unit receives and decrypts a content of the secure financial transaction message.