Wireless computer wallet for physical point of sale (POS) transactions

• US 7,784,684 B2
• Filed: 07/18/2006
• Issued: 08/31/2010
• Est. Priority Date: 08/08/2002
• Status: Active Grant

• Current Assignee: PCMS Holdings Incorporated (InterDigital, Inc.)
• Original Assignee: Fujitsu Limited
• Inventors: Labrou, Yannis, Agre, Jonathan Russell
• Primary Examiner(s): Labaze; Edwyn
• Application Number:
  US11/488,178
• Publication Number:
  US 20070022058A1
• Time in Patent Office: 1,505 Days
• Field of Search: 235/380, 235/375, 235/381, 235/462.45, 235/492, 235/472.01, 705/64, 705/75
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3272 using an audio code
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

Methods and systems provide a secure transaction server (STS); provide an authentic point of sale (POS) device, according to a first authentication parameter of the STS; provide an authentic mobile purchasing device, according to a second authentication parameter of the STS; provide a short-range communication method between the POS device and the mobile purchasing device; correlate by the STS a personal identification entry (PIE) and the authentic mobile purchasing device; transmit, by the POS device, a time dependent transformed secure POS authenticable POS purchase action to the STS; input the PIE to the mobile purchasing device to transmit a time dependent transformed secure user authenticable POS purchase action to the POS device via the short-range communication method; and approve, by the STS, the POS purchase action for the POS device and for the mobile purchasing device, according to the authentic POS device, and according to the authentic mobile purchasing device and the STS correlating of the PIE and the authentic mobile purchasing device.

Claims

1. A method, comprising:

providing a secure transaction server (STS);

providing a point of sale (POS) device;

providing an authentic mobile purchasing device, according to an authentication parameter of the STS;

providing a short-range communication method between the POS device and the mobile purchasing device;

correlating by the STS a personal identification entry (PIE) and the authentic mobile purchasing device;

transmitting, by the POS device, a POS purchase action that is POS device authenticable as a POS authenticable POS purchase action to the STS;

generating, by the mobile purchasing device, a POS purchase action that is user and mobile purchasing device authenticable by generating a time dependent transformed secure user and mobile purchasing device authenticable POS purchase action based upon both the PIE as input by the user to the authentic mobile purchasing device and a time dependent parameter generated based upon the authentication parameter of the authentic mobile purchasing device;

transmitting, by the authentic mobile purchasing device, the time dependent transformed secure user and mobile purchasing device authenticable POS purchase action to the POS device via the short-range communication method; and

approving, by the STS, the POS purchase action for the POS device and for the authentic mobile purchasing device, according to the authentic POS device, and according to the authentic mobile purchasing device and the STS correlating of the PIE and the authentic mobile purchasing device.

2. The method of claim 1, wherein the short-range communication method comprises one or more of an image, audio, or wireless communication connectivity technology, or any combinations thereof.

3. The method of claim 2, wherein the image as a short-range communication method comprises any type of barcode system, a camera system, a scanner system, or any combinations thereof at the POS device and/or at the mobile purchasing device.

4. The method of claim 3, wherein the barcode system processes 2-Dimensional barcodes.

5. The method of claim 2, wherein the audio as the short-range communication method is any output audio signal or Dual Tone Multi-Frequency tone, or voice, or any combinations thereof, and recognizer(s) thereof, at the POS device and/or at the mobile purchasing device.

6. The method of claim 2, wherein the Radio Frequency (RF) as the short-range communication method is any type of wireless communication connectivity technology, including one or more of Radio Frequency Identification (RFID), Bluetooth, WLAN, Near Field Communication (NFC), or any combinations thereof, at the POS device and/or at the mobile purchasing device.

7. The method according to claim 6, wherein the mobile purchasing device comprises the RFID and/or the NFC as integrated with device circuitry or attached to the mobile purchasing device independent of the mobile purchasing device circuitry.

8. The method of claim 1, wherein the POS purchase action is a POS identifier or a purchase transaction identifier.

9. The method of claim 1, wherein the POS purchase action is a single user conformation of a purchase.

10. The method according to claim 1, wherein the POS purchase action further comprises a mobile purchasing device identifier and the method further comprises calculating, by the mobile purchasing device, a message digest based upon the mobile purchasing device identifier and the POS identifier, a transaction identifier or a single purchase specification, and transmitting the message digest to the POS device via the short-range communication method.

11. The method of claim 1, further comprising transmitting, by the POS device via the short-range communication method, the POS purchase action to the mobile purchasing device.

12. The method of claim 1, wherein the POS purchase action identifies a payment for a good and/or a service.

13. The method of claim 1, further comprising transmitting, by the POS device, via a short message service, or a multimedia message service, or any combinations thereof, the time dependent transformed secure user and mobile purchasing device authenticable POS purchase action to the STS.

14. The method of claim 1, further comprising transmitting, by the POS device, via a network the time dependent transformed secure user and mobile purchasing device authenticable POS purchase action and the POS authenticable POS purchase action to the STS for the approving of the POS purchase action.

15. The method of claim 14, wherein the approving comprises verifying a match between the time dependent transformed secure user and mobile purchasing device authenticable POS purchase action and the POS authenticable POS purchase action.

16. The method of claim 15, wherein the approving comprises transmitting by the STS via a short message service, or a multimedia message service, or any combinations thereof, a POS receipt to the mobile purchasing device.

17. The method of claim 1, wherein the approving comprises settling by the STS a payment to the POS for the POS purchase action.

18. The method of claim 1, wherein the POS device is a mobile POS device, and the method further comprises:

correlating by the STS a POS personal identification entry (PIE) and the mobile POS device;

inputting, by another user, the POS PIE and a POS purchase action, to the mobile POS device to transmit a time dependent transformed secure POS authenticable POS purchase action to the STS; and

approving, by the STS, the POS purchase action for the mobile POS device and POS purchase action for the mobile purchase device, according to the STS correlating of the POS PIE and the mobile POS device and according to the STS correlating of the PIE and the authentic mobile purchasing device.

19. The method of claim 1, wherein the authentication parameter is per-message resettable.

20. An apparatus, comprising:

a secure transaction server (STS);

a point of sale (POS) device communicatively connectable with the STS; and

an authentic mobile purchasing device, according to an authentication parameter of the STS, and the authentic mobile purchasing device communicatively connectable with the authentic POS device via a short-range communication method,

wherein the POS device transmits a POS purchase action that is POS device authenticable as a POS authenticable POS purchase action to the STS;

wherein the STS correlates a personal identification entry (PIE) and the authentic mobile purchasing device,

wherein the mobile purchasing device generates a POS purchase action that is user and mobile purchasing device authenticable by generating a time dependent transformed secure user and mobile purchasing device authenticable POS purchase action based upon both the PIE as input by the user to the authentic mobile purchasing device and a time dependent parameter generated based upon the authentication parameter of the authentic mobile purchasing device and transmits the generated POS purchase action to the POS device via the short-range communication method between the POS device and the authentic mobile purchasing device, and

wherein the STS approves the POS purchase action for the POS device and for the authentic mobile purchasing device, according to the authentic POS device, and according to the authentic mobile purchasing device and the STS correlating of the PIE and the authentic mobile purchasing device.

21. The apparatus of claim 20, wherein the short-range communication method comprises one or more of an image, audio, or wireless communication connectivity technology, or any combinations thereof.

22. An apparatus, comprising:

a secure transaction server (STS);

a point of sale (POS) device communicatively connectable with the STS; and

an authentic mobile purchasing device, according to an authentication parameter of the STS, and the authentic mobile purchasing device comprising a radio frequency identification tag attached thereto to communicatively connect with the authentic POS device,

wherein the POS device transmits a POS purchase action that is POS device authenticable as a POS authenticable POS purchase action to the STS;

wherein the STS correlates a personal identification entry (PIE) and the authentic mobile purchasing device,

wherein the mobile purchasing device generates a POS purchase action that is user and mobile purchasing device authenticable by generating a time dependent transformed secure user and mobile purchasing device authenticable POS purchase action based upon both the PIE as input by the user to the authentic mobile purchasing device and a time dependent parameter generated based upon the authentication parameter of the authentic mobile purchasing device and transmits the generated POS purchase action to the STS via mobile phone network, a short message service, or a multimedia message service, or any combinations thereof, and

wherein the STS approves the POS purchase action for the POS device and for the authentic mobile purchasing device, according to the authentic POS device, and according to the authentic mobile purchasing device and the STS correlating of the PIE and the authentic mobile purchasing device.

23. An apparatus, comprising:

means for providing a point of sale (POS) device;

means for providing an authentic mobile purchasing device;

means for a short-range communication between the POS device and the authentic mobile purchasing device;

means for generating a POS purchase action that is POS device authenticable;

means for generating a POS purchase action that is user and mobile purchasing device authenticable based upon a generated time dependent transformed secure user and mobile purchasing device authenticable POS purchase action; and

means for authenticating the POS purchase actions for the POS device and the authentic mobile purchasing device.