Patent
Mobile communication devices
Jason Carey
- 25 Aug 2011
12
TL;DR: In this article, a mobile communication device, the device comprising: a memory; an encryption module for encrypting data using an encryption key; a first communication channel configured to transfer the encryption key from the mobile communication devices to a separate terminal; and a second communication channel for transferring payment details stored in the memory from a mobile communications device to the separate terminal, which payment details are encrypted using the encrypted key.
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Abstract: A mobile communication device, the device comprising: a memory; an encryption module for encrypting data using an encryption key; a first communication channel configured to transfer the encryption key from the mobile communication device to a separate terminal; and a second communication channel for transferring payment details stored in the memory from the mobile communication device to the separate terminal, which payment details are encrypted using the encryption key; and wherein the first communication channel is different to the second communication channel.
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Citations
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TL;DR: In this article, a method for processing payment is disclosed, which includes obtaining, by a point-of-sale (POS) device from a certification authority, a certificate data item that identifies the POS device for completing a purchase by a consumer, generating a payment request containing the certificate data items, broadcasting the payment request via a wireless signal within a pre-determined range of the POS devices for receiving by a mobile device of the consumer.
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- 15 Apr 2011
TL;DR: In this article, the authors proposed a method for wirelessly communicating information from an ATM to a customer's mobile communication device during or proximate in time with the customer's ATM interaction session.
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Laura Corinne Bondesen,Jason P. Blackhurst,Scott Lee Harkey,William Blakely Belchee,Tammy L. Brunswig +4 more
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TL;DR: In this paper, the authors present a system for managing financial tokens associated with a financial account, whereby the system is directed towards generating and authenticating tokens associated to the financial account in order to grant access to a user to conduct financial transactions on the financial accounts using an Automated Teller Machine (ATM).
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Efficient transactions at a point of sale location
Wesley Hsu,Russell Bauder +1 more
- 21 Dec 2010
TL;DR: In this paper, a method for efficient transactions comprises associating an identifier to a seller, wherein the identifier is adapted to in turn be provided to a user in connection with one or more transactions at a point of sale (POS) location.
15
References
Patent
Method and apparatus for managing credentials through a wireless network
Robin Dua
- 21 Jan 2005
TL;DR: In this paper, the authors present a system and methodology for conducting financial and other transactions using a wireless device, where credentials are selectively issued by issuers such as credit card companies, banks, and merchants to consumers permitting the specific consumer to conduct a transaction according to the authorization given as reflected by the credential or set of credentials.
873