Conducting a payment using a secure element and SMS

• US 8,019,365 B2
• Filed: 10/31/2007
• Issued: 09/13/2011
• Est. Priority Date: 12/31/2005
• Status: Expired due to Fees

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): Kincaid, Lester
• Assistant Examiner(s): KELLEY, STEVEN SHAUN
• Application Number:
  US11/933,337
• Publication Number:
  US 20080051122A1
• Time in Patent Office: 1,413 Days
• Field of Search: 455/552.1, 455 411- 412, 455/466, 455/566, 340 101- 105, 340 54- 542, 3405721-5728, 705/44, 235380-3825
• US Class Current: 455/466
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: H04W 4/00 Services specially adapted for wireless communication networks; Facilities therefor
• CPC Class Codes: H04W 4/14 Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

A method for transmitting data between a wireless communication and a remote server. The method includes running a mobile application on the wireless communication device, in which the mobile application is a rich client application. The method further includes transmitting data associated with the mobile application between the wireless communication device and the remote server using short message service (SMS). The mobile application links corresponding data transmitted through the short message service (SMS) for use by the mobile application.

Claims

1. A method for transmitting data between a mobile communication device and a remote server, the method comprising:

attaching, by a user, a secure element to an exterior of the mobile communication device, wherein the secure element is not electrically connected to the components in the mobile communication device, wherein the secure element includes;

a memory for storing a payment application and payment credentials associated with a payment account, the execution of the payment application facilitating the transfer of the payment credentials to a Point-of-Sale (POS) terminal; and

a wireless transceiver that sends transaction data including the payment credentials associated with the executed payment application through a second communication channel to the POS terminal, the second communication channel being different from a first communication channel through which the mobile communication device communicates voice data, the payment application executed in response to an induction-based trigger from the POS terminal;

wirelessly transmitting the transaction data associated with the executed payment application through the second communication channel to the POS terminal using the wireless transceiver to perform a POS transaction;

receiving manual user authentication information at the POS terminal entered by the user through the mobile communication device, wherein the payment account is authenticated, wherein the authentication is performed by a remote server after the payment application has been triggered by the POS terminal and after payment credentials have been transferred to the POS terminal but prior to the payment being processed and completed;

receiving a short message service (SMS) response from the remote server associated with the payment at the mobile communication device wherein the SMS response is stored in memory of the mobile communication device;

generating a command for a particular mobile financial transaction function using the client application in the mobile communication, wherein the command is associated with the POS transaction;

transmitting the command as one or more SMS messages to the remote server;

identifying a series of SMS messages associated with a mobile financial transaction at a pre-defined port for the mobile communication device, the identified SMS messages each having a number and an identifier embedded in a header and originating from the remote server, the series of SMS messages identified by the client application executing at the mobile communication device;

assembling the series of SMS messages identified at the pre-defined port into a predetermined order based on the number embedded in the header and as specified by the remote server, assembly of the series of SMS messages occurring as a result of the execution of the client application;

formatting the assembled SMS messages in accordance with a selected style sheet for a particular mobile financial transaction function at the mobile communication device, wherein the style sheet is selected based on the identifier embedded in the header, wherein each different type of mobile financial transaction function and associated type of style sheet is associated with a different identifier, formatting of the messages occurring in response to execution of the client application at the mobile communication device; and

displaying the formatted SMS messages on a display of the mobile communication device as a part of the mobile financial transaction, the display of the formatted SMS messages resulting from the selected style sheet.

2. The method of claim 1, wherein the mobile financial transaction is for banking services or money management services.

3. The method of claim 1, wherein the client application executing at the mobile communication device is a rich client application.

4. The method of claim 1, further comprising transmitting a command from the mobile communication device to the remote server to request for a payment history for a user of the mobile communication device, and wherein the formatted SMS messages displayed at the mobile communication device are part of the series of SMS messages received at the mobile communication device and responsive to the transmitted command.

5. The method of claim 4, wherein the command is in SMS message format.

6. The method of claim 5, wherein the command involves a plurality of SMS messages transmitted to the remote server.

7. The method of claim 1, further comprising receiving an acknowledgment of the command from the remote server.

8. The method of claim 1, wherein the number includes an indicator of a total number of messages in a series of SMS messages related to the mobile financial transaction.

9. The method of claim 1, further comprising:

determining that a respective SMS message of the series of SMS messages related to the mobile financial transaction has not arrived at the wireless communication device within a specified time interval; and

transmitting a request to the remote server to retransmit the respective SMS message.

10. The method of claim 1, further comprising transmitting an acknowledgement of an SMS message from a series of SMS messages to the remote server.

11. The method of claim 1, wherein the series of SMS messages received at the mobile communication device are in response to one or more commands generated by the client application at the mobile communication device, the one or more commands converted into one or more SMS messages and transmitted to the remote server through a predefined logical port at the mobile communication device.

12. The method of claim 11, wherein the command is a request for an account balance.

13. The method of claim 11, wherein the command is a request for a bill payment transaction.

14. The method of claim 11, wherein the command is for a transfer of funds.

15. The method of claim 14, wherein the transfer of funds is based on an account number.

16. The method of claim 14, wherein the transfer of funds is based on a mobile wallet identification number associated with a user of the mobile communication device.

17. The method of claim 14, wherein the transfer of funds is based on an ACH transaction code.

18. The method of claim 1, wherein the command is to load funds into a mobile payment account.

19. The method of claim 1, wherein the command is to unload funds from a mobile payment account.

20. The method of claim 1, wherein the command is to synchronized financial data between the remote server and the mobile communication device.

21. The method of claim 1, wherein the command is to create a later executed financial transaction in an online or an offline mode.

22. The method of claim 1, wherein the command is to store transaction data.

23. The method of claim 1, wherein the series of SMS messages are associated with a receipt for a previous NFC based transaction device.

24. The method of claim 23, wherein the remote server is communicatively coupled to an POS terminal.

25. The method of claim 23, where the remote server is communicatively coupled to a POE terminal.

26. The method of claim 1, wherein the number embedded in the header and as specified by the remote server is different from an order of the series of SMS messages as determined by a network operator, and wherein the remote server order overrides that of the network operator.

27. The method of claim 1, wherein one or more of the series of SMS messages are encrypted by the client application for storage at the mobile communication device.

28. The method of claim 1, wherein the client application executing at the mobile communication device is a thin client application.