WO2010039334A3 - Systems and methods for secure wireless transactions - Google Patents

Systems and methods for secure wireless transactions Download PDF

Info

Publication number
WO2010039334A3
WO2010039334A3 PCT/US2009/053090 US2009053090W WO2010039334A3 WO 2010039334 A3 WO2010039334 A3 WO 2010039334A3 US 2009053090 W US2009053090 W US 2009053090W WO 2010039334 A3 WO2010039334 A3 WO 2010039334A3
Authority
WO
WIPO (PCT)
Prior art keywords
portable electronic
methods
systems
electronic device
secure wireless
Prior art date
Application number
PCT/US2009/053090
Other languages
French (fr)
Other versions
WO2010039334A2 (en
Inventor
Michael Rosenblatt
Gloria Lin
Sean Anthony Mayo
Taido Lantz Nakajima
Original Assignee
Apple Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Apple Inc. filed Critical Apple Inc.
Publication of WO2010039334A2 publication Critical patent/WO2010039334A2/en
Publication of WO2010039334A3 publication Critical patent/WO2010039334A3/en

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • H04L63/0492—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload by using a location-limited connection, e.g. near-field communication or limited proximity of entities
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/80—Wireless
    • H04L2209/805—Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/12—Applying verification of the received information
    • H04L63/123—Applying verification of the received information received data contents, e.g. message integrity

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Signal Processing (AREA)
  • Computer Hardware Design (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Telephone Function (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

There is provided systems and methods for to conducting wireless transactions using portable electronic devices 10. Specifically, for example, a method of conducting a wireless transaction is provided that includes initiating a wireless transaction using a short range wireless communication system of a portable electronic device 10. The method also includes obtaining security information via at least one secondary system 160 of the portable electronic device 10 and utilizing the security information obtained via the at least one secondary system 160 to authenticate the portable electronic device 10 for the wireless transaction.
PCT/US2009/053090 2008-09-30 2009-08-07 Systems and methods for secure wireless transactions WO2010039334A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US12/286,313 US20100082490A1 (en) 2008-09-30 2008-09-30 Systems and methods for secure wireless transactions
US12/286,313 2008-09-30

Publications (2)

Publication Number Publication Date
WO2010039334A2 WO2010039334A2 (en) 2010-04-08
WO2010039334A3 true WO2010039334A3 (en) 2011-04-07

Family

ID=42058507

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2009/053090 WO2010039334A2 (en) 2008-09-30 2009-08-07 Systems and methods for secure wireless transactions

Country Status (2)

Country Link
US (1) US20100082490A1 (en)
WO (1) WO2010039334A2 (en)

Families Citing this family (120)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
PT1442404E (en) 2001-09-24 2014-03-06 E2Interactive Inc System and method for supplying communication service
US8885894B2 (en) * 2004-06-14 2014-11-11 Michael John Rowen Reduction of transaction fraud through the use of automatic centralized signature/sign verification combined with credit and fraud scoring during real-time payment card authorization processes
CA2648523C (en) 2005-04-21 2018-09-04 Securedpay Solutions, Inc. Portable handheld device for wireless order entry and real time payment authorization and related methods
US9024890B2 (en) * 2008-05-17 2015-05-05 David H. Chin Comparison of an applied gesture on a touch screen of a mobile device with a remotely stored security gesture
US9082117B2 (en) 2008-05-17 2015-07-14 David H. Chin Gesture based authentication for wireless payment by a mobile electronic device
US8401681B2 (en) * 2008-06-08 2013-03-19 Apple Inc. System and method for placeshifting media playback
US11258652B2 (en) 2008-06-08 2022-02-22 Apple Inc. System and method for placeshifting media playback
US9626363B2 (en) * 2008-06-08 2017-04-18 Apple Inc. System and method for placeshifting media playback
US8447669B2 (en) 2008-08-26 2013-05-21 Visa U.S.A. Inc. System and method for implementing financial assistance programs
US9098845B2 (en) * 2008-09-19 2015-08-04 Logomotion, S.R.O. Process of selling in electronic shop accessible from the mobile communication device
SK288757B6 (en) * 2008-09-19 2020-05-04 Smk Kk System and method for contactless payment authorization
US8479015B2 (en) * 2008-10-17 2013-07-02 Oracle International Corporation Virtual image management
US8145562B2 (en) * 2009-03-09 2012-03-27 Moshe Wasserblat Apparatus and method for fraud prevention
US9183554B1 (en) * 2009-04-21 2015-11-10 United Services Automobile Association (Usaa) Systems and methods for user authentication via mobile device
US9235831B2 (en) 2009-04-22 2016-01-12 Gofigure Payments, Llc Mobile payment systems and methods
EP2462567A2 (en) 2009-05-03 2012-06-13 Logomotion, s.r.o. A payment terminal using a mobile communication device, such as a mobile phone; a method of direct debit payment transaction
US8612352B2 (en) 2010-10-13 2013-12-17 Square, Inc. Decoding systems with a decoding engine running on a mobile device and coupled to a payment system that includes identifying information of second parties qualified to conduct business with the payment system
US8510263B2 (en) * 2009-06-15 2013-08-13 Verisign, Inc. Method and system for auditing transaction data from database operations
US20110034230A1 (en) * 2009-08-05 2011-02-10 Alchemy3, Llc Method and Apparatus For Checking A Ticket Status From A Random Draw Game
US20110165933A1 (en) * 2009-08-05 2011-07-07 Alchemy3, Llc Method and Apparatus For Checking A Ticket Status From A Random Draw Game
US20110032078A1 (en) * 2009-08-05 2011-02-10 Paul Francis Guiziel Mobile CAT
CN102598046A (en) 2009-10-13 2012-07-18 平方股份有限公司 Systems and methods for financial transaction through miniaturized card reader
US11928696B2 (en) 2009-12-16 2024-03-12 E2Interactive, Inc. Systems and methods for generating a virtual value item for a promotional campaign
US8438288B2 (en) * 2010-02-17 2013-05-07 Microsoft Corporation Device-pairing by reading an address provided in device-readable form
EP2372629A1 (en) * 2010-04-02 2011-10-05 Gemalto SA Method and subscriber identity module for performing financial transactions by use of mobile communication devices.
US9483786B2 (en) 2011-10-13 2016-11-01 Gift Card Impressions, LLC Gift card ordering system and method
US9031869B2 (en) 2010-10-13 2015-05-12 Gift Card Impressions, LLC Method and system for generating a teaser video associated with a personalized gift
EP2442600B1 (en) * 2010-10-14 2013-03-06 Research In Motion Limited Near-field communication (NFC) system providing nfc tag geographic position authentication and related methods
US20120124496A1 (en) 2010-10-20 2012-05-17 Mark Rose Geographic volume analytics apparatuses, methods and systems
US10043209B2 (en) * 2010-11-19 2018-08-07 Mastercard International Incorporated Method and system for consumer transactions using voice or human based gesture actions
WO2012092293A2 (en) * 2010-12-30 2012-07-05 Visa International Service Association Mixed mode transaction protocol
US8200868B1 (en) * 2010-12-30 2012-06-12 Google Inc. Peripheral device detection with short-range communication
US8943229B2 (en) 2010-12-30 2015-01-27 Google Inc. Peripheral device detection with short-range communication
JP5841614B2 (en) 2011-01-04 2016-01-13 エイキュウ カンパニー リミテッドＡｑ Ｃｏ．， Ｌｔｄ． Advertisement information provision system
US10068271B1 (en) * 2011-01-06 2018-09-04 Ncr Corporation Shopping with a personal device
US10204327B2 (en) 2011-02-05 2019-02-12 Visa International Service Association Merchant-consumer bridging platform apparatuses, methods and systems
WO2012109628A2 (en) 2011-02-10 2012-08-16 Visa International Service Assocation Electronic coupon issuance and redemption apparatuses, methods and systems
AU2012217606A1 (en) 2011-02-16 2013-05-09 Visa International Service Association Snap mobile payment apparatuses, methods and systems
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
BR112013021057A2 (en) 2011-02-22 2020-11-10 Visa International Service Association universal electronic payment devices, methods and systems
AU2012223415B2 (en) 2011-02-28 2017-05-18 Visa International Service Association Secure anonymous transaction apparatuses, methods and systems
WO2012122060A1 (en) 2011-03-04 2012-09-13 Visa International Service Association Cloud service facilitator apparatuses, methods and systems
US20120238206A1 (en) 2011-03-14 2012-09-20 Research In Motion Limited Communications device providing near field communication (nfc) secure element disabling features related methods
US10223743B2 (en) 2011-03-29 2019-03-05 Blackberry Limited Communication system providing near field communication (NFC) transaction features and related methods
US20120254032A1 (en) * 2011-03-29 2012-10-04 Research In Motion Limited Mobile wireless communications device configured to authorize transaction based upon movement sensor and associated methods
US8509808B2 (en) 2011-03-29 2013-08-13 Research In Motion Limited Mobile wireless communications device having a near field communication (NFC) device and providing memory disabling and related
EP2506201A1 (en) * 2011-03-29 2012-10-03 Research In Motion Limited Mobile wireless communications device configured to authorize transaction based upon movement sensor and associated methods
US9646291B2 (en) 2011-05-11 2017-05-09 Visa International Service Association Electronic receipt manager apparatuses, methods and systems
US8577803B2 (en) 2011-06-03 2013-11-05 Visa International Service Association Virtual wallet card selection apparatuses, methods and systems
WO2012176082A1 (en) 2011-06-22 2012-12-27 International Business Machines Corporation Mobile touch-generating device and communication with a touchscreen
US10121129B2 (en) 2011-07-05 2018-11-06 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US9582598B2 (en) 2011-07-05 2017-02-28 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
US10438176B2 (en) 2011-07-17 2019-10-08 Visa International Service Association Multiple merchant payment processor platform apparatuses, methods and systems
US8978975B2 (en) 2011-07-18 2015-03-17 Accullink, Inc. Systems and methods for authenticating near field communcation financial transactions
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
US10318941B2 (en) 2011-12-13 2019-06-11 Visa International Service Association Payment platform interface widget generation apparatuses, methods and systems
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US20140195925A1 (en) * 2011-08-24 2014-07-10 Sony Ericsson Mobile Communications Ab Short-range radio frequency wireless communication data transfer methods and related devices
US20130059532A1 (en) * 2011-09-07 2013-03-07 Microsoft Corporation Partially Transparent Antenna
US9204298B2 (en) * 2011-09-13 2015-12-01 Bank Of America Corporation Multilevel authentication
US9117225B2 (en) 2011-09-16 2015-08-25 Visa International Service Association Apparatuses, methods and systems for transforming user infrastructure requests inputs to infrastructure design product and infrastructure allocation outputs
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
US9323713B2 (en) * 2011-11-14 2016-04-26 Screenovate Technologies Ltd. Method for automatic establishing wireless connectivity between a mobile wireless device and a target screen for multimedia data streaming
US9706036B2 (en) * 2011-12-05 2017-07-11 Blackberry Limited Mobile wireless communications device providing guide direction indicator for near field communication (NFC) initiation and related methods
US10373246B1 (en) * 2011-12-06 2019-08-06 West Corporation Method and apparatus of providing enhanced authentication and security for financial institution transactions
KR20150114765A (en) 2014-04-02 2015-10-13 삼성전자주식회사 Image forming apparatus supporting function of NFC(near field communication) and method for setting NFC operation mode thereof
EP2605607B1 (en) 2011-12-12 2018-11-07 HP Printing Korea Co., Ltd. Image forming apparatus supporting peer-to-peer connection and method of managing channel thereof
US9953378B2 (en) 2012-04-27 2018-04-24 Visa International Service Association Social checkout widget generation and integration apparatuses, methods and systems
US10096022B2 (en) 2011-12-13 2018-10-09 Visa International Service Association Dynamic widget generator apparatuses, methods and systems
EP2795428A4 (en) 2011-12-21 2016-02-17 Mashinery Pty Ltd Gesture-based device
AU2014203705B2 (en) * 2011-12-21 2015-08-13 Maxwell Forest Pty Ltd Gesture-based device
CN104160652B (en) 2011-12-27 2017-06-13 英特尔公司 For the offline method and system for logging in of distribution using disposal password
US10223710B2 (en) 2013-01-04 2019-03-05 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
US11308227B2 (en) 2012-01-09 2022-04-19 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
US10262148B2 (en) 2012-01-09 2019-04-16 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
US10417677B2 (en) 2012-01-30 2019-09-17 Gift Card Impressions, LLC Group video generating system
AU2013214801B2 (en) 2012-02-02 2018-06-21 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems
US9600169B2 (en) * 2012-02-27 2017-03-21 Yahoo! Inc. Customizable gestures for mobile devices
KR102158055B1 (en) 2012-02-29 2020-09-21 모비웨이브 시스템즈 유엘씨 Method, device and secure element for conducting a secured financial transaction on a device
WO2013130716A1 (en) * 2012-02-29 2013-09-06 Patel Upen System and method to manage information for conducting secure transactions
JP2013251814A (en) * 2012-06-01 2013-12-12 Toshiba Corp Radio communication device
US11055686B2 (en) 2012-08-08 2021-07-06 E2Interactive, Inc. S/M for providing, reloading, and redeeming stored value cards used in transit applications
KR20140026844A (en) * 2012-08-23 2014-03-06 삼성전자주식회사 Method and system for authenticating transaction request from device
US9824340B2 (en) 2012-09-04 2017-11-21 Linq3 Technologies Llc Processing of a user device game-playing transaction based on location
US9227136B2 (en) * 2012-09-04 2016-01-05 Linq3 Technologies Llc Systems and methods for integrated game play through the use of barcodes on smart phones and hand held devices
US10089608B2 (en) 2012-09-04 2018-10-02 Linq3 Technologies Llc Processing of a user device game-playing transaction based on location
US10229561B2 (en) 2012-09-04 2019-03-12 Linq3 Technologies Llc Processing of a user device game-playing transaction based on location
US10943432B2 (en) 2012-09-04 2021-03-09 E2Interactive, Inc. Processing of a game-playing transaction based on location
US9672697B2 (en) 2012-09-04 2017-06-06 Linq3 Technologies Llc Processing of a mobile device game-playing transaction conducted between the mobile device and a bluetooth terminal
US10217326B2 (en) 2012-09-04 2019-02-26 Linq3 Technologies Llc Processing of a user device game-playing transaction based on location
US9166962B2 (en) 2012-11-14 2015-10-20 Blackberry Limited Mobile communications device providing heuristic security authentication features and related methods
US20140149263A1 (en) * 2012-11-27 2014-05-29 Mashinery Pty Ltd. Data Assembly, Transfer and Storage
WO2014110126A1 (en) * 2013-01-08 2014-07-17 Cirque Corporation Method for protecting cardholder data in a mobile device that performs secure payment transactions and which enables the mobile device to function as a secure payment terminal
US9069770B2 (en) 2013-02-12 2015-06-30 Adidas Ag Method of providing digital content for users of physical items
US11219288B2 (en) 2013-02-15 2022-01-11 E2Interactive, Inc. Gift card box with slanted tray and slit
US9565911B2 (en) 2013-02-15 2017-02-14 Gift Card Impressions, LLC Gift card presentation devices
JP5834034B2 (en) * 2013-02-25 2015-12-16 株式会社東芝 Wireless communication device
US10217107B2 (en) 2013-05-02 2019-02-26 Gift Card Impressions, LLC Stored value card kiosk system and method
US9240990B1 (en) * 2013-05-31 2016-01-19 David Ruma Acknowledgment authentication system and method
US9294922B2 (en) 2013-06-07 2016-03-22 Blackberry Limited Mobile wireless communications device performing device unlock based upon near field communication (NFC) and related methods
US9276643B2 (en) 2013-06-07 2016-03-01 Blackberry Limited Mobile wireless communications device providing near field communication (NFC) unlock and tag data change features and related methods
US20150058191A1 (en) * 2013-08-26 2015-02-26 Apple Inc. Secure provisioning of credentials on an electronic device
US9507015B2 (en) * 2013-10-07 2016-11-29 Avaya Inc. Device proximity detection
US11120462B2 (en) 2013-11-04 2021-09-14 E2Interactive, Inc. Systems and methods for using indicia of membership as a partial authorization in a transaction
US9058626B1 (en) 2013-11-13 2015-06-16 Jpmorgan Chase Bank, N.A. System and method for financial services device usage
CA2936810C (en) * 2014-01-16 2018-03-06 Arz MURR Device, system and method of mobile identity verification
US10262346B2 (en) 2014-04-30 2019-04-16 Gift Card Impressions, Inc. System and method for a merchant onsite personalization gifting platform
TWI703521B (en) * 2014-09-30 2020-09-01 美商蘋果公司 Recommendation of payment credential to be used based on merchant information
US11216468B2 (en) 2015-02-08 2022-01-04 Visa International Service Association Converged merchant processing apparatuses, methods and systems
US11080706B2 (en) 2016-03-07 2021-08-03 International Business Machines Corporation Blocking fraudulent transactions in an NFC device
US10628811B2 (en) 2016-03-15 2020-04-21 Square, Inc. System-based detection of card sharing and fraud
US10410200B2 (en) 2016-03-15 2019-09-10 Square, Inc. Cloud-based generation of receipts using transaction information
US10636019B1 (en) 2016-03-31 2020-04-28 Square, Inc. Interactive gratuity platform
US10954049B2 (en) 2017-12-12 2021-03-23 E2Interactive, Inc. Viscous liquid vessel for gifting
JP7220373B2 (en) * 2018-06-28 2023-02-10 パナソニックＩｐマネジメント株式会社 Gate device and system
JP7424173B2 (en) * 2020-04-02 2024-01-30 トヨタ自動車株式会社 Wallet server, wallet program and wallet system
US11337064B2 (en) * 2020-08-06 2022-05-17 Verizon Patent And Licensing Inc. Systems and methods for enhanced authentication techniques using network-implemented location determination
US11599242B2 (en) 2021-06-04 2023-03-07 Bank Of America Corporation Context-sensitive user interface shortcuts for a wearable device

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20050020025A (en) * 2003-08-20 2005-03-04 주식회사 국민은행 Banking transactions system and control method thereof for ATM using mobile phone
US20060068817A1 (en) * 2004-09-30 2006-03-30 Ncr Corporation Automated teller machine
US20070178882A1 (en) * 2006-01-31 2007-08-02 Teunissen Harold W A Method for secure authentication of mobile devices
US20080052091A1 (en) * 2006-08-22 2008-02-28 Mci Financial Management Corp. Secure near field transaction

Family Cites Families (90)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4701601A (en) * 1985-04-26 1987-10-20 Visa International Service Association Transaction card with magnetic stripe emulator
US4868376A (en) * 1987-05-15 1989-09-19 Smartcard International Inc. Intelligent portable interactive personal data system
US4929819A (en) * 1988-12-12 1990-05-29 Ncr Corporation Method and apparatus for customer performed article scanning in self-service shopping
DE3906349A1 (en) * 1989-03-01 1990-09-13 Hartmut Hennige METHOD AND DEVICE FOR SIMPLIFYING THE USE OF A VARIETY OF CREDIT CARDS AND THE LIKE
US4993068A (en) * 1989-11-27 1991-02-12 Motorola, Inc. Unforgeable personal identification system
US5239167A (en) * 1991-04-30 1993-08-24 Ludwig Kipp Checkout system
US5540301A (en) * 1994-05-11 1996-07-30 Dumont; Charles Automated bulk self-checkout station apparatus
US5590038A (en) * 1994-06-20 1996-12-31 Pitroda; Satyan G. Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions
US7882032B1 (en) * 1994-11-28 2011-02-01 Open Invention Network, Llc System and method for tokenless biometric authorization of electronic communications
US5742845A (en) * 1995-06-22 1998-04-21 Datascape, Inc. System for extending present open network communication protocols to communicate with non-standard I/O devices directly coupled to an open network
US5917913A (en) * 1996-12-04 1999-06-29 Wang; Ynjiun Paul Portable electronic authorization devices and methods therefor
US6175922B1 (en) * 1996-12-04 2001-01-16 Esign, Inc. Electronic transaction systems and methods therefor
US6016476A (en) * 1997-08-11 2000-01-18 International Business Machines Corporation Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security
US6213391B1 (en) * 1997-09-10 2001-04-10 William H. Lewis Portable system for personal identification based upon distinctive characteristics of the user
US7040533B1 (en) * 1998-04-17 2006-05-09 Diebold, Incorporated Cash withdrawal from ATM via videophone
US7089214B2 (en) * 1998-04-27 2006-08-08 Esignx Corporation Method for utilizing a portable electronic authorization device to approve transactions between a user and an electronic transaction system
US6377699B1 (en) * 1998-11-25 2002-04-23 Iridian Technologies, Inc. Iris imaging telephone security module and method
US6901261B2 (en) * 1999-05-19 2005-05-31 Inria Institut Nationalde Recherche En Informatique Etaen Automatique Mobile telephony device and process enabling access to a context-sensitive service using the position and/or identity of the user
US6993498B1 (en) * 1999-07-15 2006-01-31 Midnight Blue Remote Access, Llc Point-of-sale server and method
US7889052B2 (en) * 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
EP2525316A3 (en) * 1999-11-30 2013-08-14 David Russell Methods, systems and apparatuses for secure interactions
US7114079B1 (en) * 2000-02-10 2006-09-26 Parkervision, Inc. Security access based on facial features
US20020178088A1 (en) * 2000-03-08 2002-11-28 Lurie Leib A. System and method for facilitating shopping
US7177848B2 (en) * 2000-04-11 2007-02-13 Mastercard International Incorporated Method and system for conducting secure payments over a computer network without a pseudo or proxy account number
US7066382B2 (en) * 2000-04-17 2006-06-27 Robert Kaplan Method and apparatus for transferring or receiving data via the Internet securely
US7240036B1 (en) * 2000-07-13 2007-07-03 Gtech Global Services Corporation Method and system for facilitation of wireless e-commerce transactions
US6400270B1 (en) * 2000-11-02 2002-06-04 Robert Person Wallet protection system
US6910697B2 (en) * 2000-12-15 2005-06-28 Symbol Technologies, Inc. Shopping cart that enables self-checkout
US7613634B2 (en) * 2000-12-21 2009-11-03 Sony Corporation Method and system for performing electronic retailing
US7560473B2 (en) * 2001-01-19 2009-07-14 Institute Of Pharmacology And Toxicology Academy Of Military Medical Sciences, P.L.A. Amine derivative with potassium channel regulatory function, its preparation and use
US7376591B2 (en) * 2001-06-07 2008-05-20 Owens Cstephani D Interactive internet shopping and data integration method and system
US7236742B2 (en) * 2001-06-18 2007-06-26 Brigham Young University System and method for wireless data transfer for a mobile unit
US6641037B2 (en) * 2001-12-13 2003-11-04 Peter Williams Method and system for interactively providing product related information on demand and providing personalized transactional benefits at a point of purchase
US7155035B2 (en) * 2002-02-05 2006-12-26 Matsushita Electric Industrial Co., Ltd. Personal authentication method, personal authentication apparatus and image capturing device
JP4233259B2 (en) * 2002-02-08 2009-03-04 株式会社電通テック Information provision system using code information
JP3761505B2 (en) * 2002-03-04 2006-03-29 株式会社東芝 COMMUNICATION SYSTEM, RADIO COMMUNICATION TERMINAL, AND RADIO COMMUNICATION DEVICE
US7784684B2 (en) * 2002-08-08 2010-08-31 Fujitsu Limited Wireless computer wallet for physical point of sale (POS) transactions
US9022294B2 (en) * 2003-04-14 2015-05-05 G. Holdings Ltd. Portable electronic device and method for alternate data conveyance operations responsive to an invariable activation command
US8065235B2 (en) * 2003-05-05 2011-11-22 International Business Machines Corporation Portable intelligent shopping device
WO2004105359A2 (en) * 2003-05-19 2004-12-02 Einar Rosenberg An apparatus and method for increased security of wireless transactions
US20050116027A1 (en) * 2003-06-12 2005-06-02 First Data Corp. Personalized presentation instrument production systems and methods
US20070143230A1 (en) * 2003-06-30 2007-06-21 Selvanathan Narainsamy Transaction verification system
US7761374B2 (en) * 2003-08-18 2010-07-20 Visa International Service Association Method and system for generating a dynamic verification value
FI20031482A (en) * 2003-10-10 2005-04-11 Open Bit Oy Ltd processing   of   payment transaction data
US20060111944A1 (en) * 2003-10-31 2006-05-25 Sirmans James R Jr System and method for encouraging performance of health-promoting measures
US20050125343A1 (en) * 2003-12-03 2005-06-09 Mendelovich Isaac F. Method and apparatus for monetizing personal consumer profiles by aggregating a plurality of consumer credit card accounts into one card
US7529723B2 (en) * 2003-12-15 2009-05-05 Xerox Corporation Multi-tiered structure for file sharing based on social roles
US7149503B2 (en) * 2003-12-23 2006-12-12 Nokia Corporation System and method for associating postmark information with digital content
US7762460B2 (en) * 2004-02-18 2010-07-27 Nec Corporation Information processing device for using bar code and radio frequency-identification tag
US20050222961A1 (en) * 2004-04-05 2005-10-06 Philippe Staib System and method of facilitating contactless payment transactions across different payment systems using a common mobile device acting as a stored value device
JP4613511B2 (en) * 2004-04-22 2011-01-19 アイシン・エィ・ダブリュ株式会社 Route guidance method and navigation device
KR100623480B1 (en) * 2004-07-13 2006-09-19 한국전자통신연구원 A system for MS-Assisted location trigger, and service methods thereof
US7844255B2 (en) * 2004-12-08 2010-11-30 Verifone, Inc. Secure PIN entry device for mobile phones
TW200642408A (en) * 2004-12-07 2006-12-01 Farsheed Atef System and method for identity verification and management
US20060129485A1 (en) * 2004-12-14 2006-06-15 International Business Machines Corporation Business method for credit card verification
US7316347B2 (en) * 2005-01-07 2008-01-08 Ctb Mcgraw-Hill Linking articles to content via RFID
JP4756865B2 (en) * 2005-01-11 2011-08-24 株式会社エヌ・ティ・ティ・ドコモ Security group management system
JP2006259925A (en) * 2005-03-15 2006-09-28 Omron Corp Object authentication device, cellular phone, object authentication method and object authentication program
US7128274B2 (en) * 2005-03-24 2006-10-31 International Business Machines Corporation Secure credit card with near field communications
US7490720B2 (en) * 2005-04-25 2009-02-17 Apple Inc. Greeting card system including a window to allow for inventory and activation
US20060287004A1 (en) * 2005-06-17 2006-12-21 Fuqua Walter B SIM card cash transactions
WO2007006005A2 (en) * 2005-07-06 2007-01-11 Kestrel Wireless Inc. Device and method for authenticating and securing transactions using rf communication
US9009078B2 (en) * 2005-08-17 2015-04-14 Kurzweil/Intellitools, Inc. Optical character recognition technique for protected viewing of digital files
US10733308B2 (en) * 2005-08-17 2020-08-04 Cambium Learning, Inc. Tags for unlocking digital content
US20070074040A1 (en) * 2005-09-29 2007-03-29 Nokia Corporation Online authorization using biometric and digital signature schemes
US20070150369A1 (en) * 2005-12-28 2007-06-28 Zivin Michael A Method and system for determining the optimal travel route by which customers can purchase local goods at the lowest total cost
US8718554B2 (en) * 2006-02-15 2014-05-06 Microsoft Corporation Means for provisioning and managing mobile device configuration over a near-field communication link
JP4693171B2 (en) * 2006-03-17 2011-06-01 株式会社日立ソリューションズ Authentication system
US20070255653A1 (en) * 2006-03-30 2007-11-01 Obopay Inc. Mobile Person-to-Person Payment System
US20070235539A1 (en) * 2006-04-05 2007-10-11 Jarkko Sevanto Mobile device with near field communication module and secure chip
US7818264B2 (en) * 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
US20070250707A1 (en) * 2006-04-21 2007-10-25 Sony Ericsson Mobile Communications Ab Method and device for accessing data using near field communications
US8655271B2 (en) * 2006-05-10 2014-02-18 Sony Corporation System and method for storing near field communication tags in an electronic phonebook
US8016192B2 (en) * 2006-06-06 2011-09-13 Motorola Mobility, Inc. User-configurable priority list for mobile device electronic payment applications
US20080005195A1 (en) * 2006-06-30 2008-01-03 Microsoft Corporation Versioning synchronization for mass p2p file sharing
US7908175B2 (en) * 2006-08-29 2011-03-15 At&T Intellectual Property I, Lp Methods, systems, and computer program products that facilitate and enhance personal shopping
US8718620B2 (en) * 2006-11-13 2014-05-06 Apple Inc. Personal media devices with wireless communication
US7940900B2 (en) * 2006-12-04 2011-05-10 Hewlett-Packard Development Company, L.P. Communication control for device with telephonic functionality
US20080154734A1 (en) * 2006-12-26 2008-06-26 Motorola, Inc. Contactless payment selection criteria based on financial account status
US7971059B2 (en) * 2007-05-30 2011-06-28 Bank Of America Corporation Secure channel for image transmission
US7930249B2 (en) * 2007-07-11 2011-04-19 Qualcomm Incorporated Mobile wireless financial instrument for automatically selecting a payment instrument
JP2009033411A (en) * 2007-07-26 2009-02-12 Sharp Corp Broadcast receiver and pay program providing system
US20090157560A1 (en) * 2007-12-14 2009-06-18 Bank Of America Corporation Information banking and monetization of personal information
US7802720B2 (en) * 2008-01-04 2010-09-28 Intuit Inc. Method and system for performing a card-present transaction using image capture on a portable device
EP2088548A1 (en) * 2008-02-11 2009-08-12 Accenture Global Services GmbH Point of sale payment method
US8175979B2 (en) * 2008-04-02 2012-05-08 International Business Machines Corporation Method and system for anonymous electronic transactions using a mobile device
US9269010B2 (en) * 2008-07-14 2016-02-23 Jumio Inc. Mobile phone payment system using integrated camera credit card reader
US8342407B2 (en) * 2008-07-21 2013-01-01 Gilbarco, Inc. System and method for pairing a bluetooth device with a point-of-sale terminal
US10380573B2 (en) * 2008-09-30 2019-08-13 Apple Inc. Peer-to-peer financial transaction devices and methods
US20100078472A1 (en) * 2008-09-30 2010-04-01 Apple Inc. Group peer-to-peer financial transactions

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20050020025A (en) * 2003-08-20 2005-03-04 주식회사 국민은행 Banking transactions system and control method thereof for ATM using mobile phone
US20060068817A1 (en) * 2004-09-30 2006-03-30 Ncr Corporation Automated teller machine
US20070178882A1 (en) * 2006-01-31 2007-08-02 Teunissen Harold W A Method for secure authentication of mobile devices
US20080052091A1 (en) * 2006-08-22 2008-02-28 Mci Financial Management Corp. Secure near field transaction

Also Published As

Publication number Publication date
WO2010039334A2 (en) 2010-04-08
US20100082490A1 (en) 2010-04-01

Similar Documents

Publication Publication Date Title
WO2010039334A3 (en) Systems and methods for secure wireless transactions
WO2010027845A3 (en) System and method of secure payment transactions
WO2011146678A3 (en) Method and device for conducting trusted remote payment transactions
WO2006044471A3 (en) System and method for facilitating a wireless financial transaction
WO2011089423A3 (en) An apparatus and a method for secure authentication
WO2007149775A3 (en) Consumer authentication system and method
WO2013106094A3 (en) System and method for device registration and authentication
WO2008106560A3 (en) Authentication of a data card using a transit verification value
GB2490824A (en) Authentication system and method in a contactless environment
WO2011041447A3 (en) Mobile payment application architecture
WO2010086608A3 (en) Card false-positive prevention
WO2012091888A8 (en) Electronic physical access control with remote authentication
WO2012170964A3 (en) Wireless communication accessory for a mobile device
WO2007145687A8 (en) Method and apparatus for secure access payment and identification
WO2012125477A3 (en) System and device for facilitating a transaction by consolidating sim, personal token, and associated applications for electronic wallet transactions
FR2921786B1 (en) SYSTEM AND METHOD FOR SECURE REGULATION USING NFC.
WO2008042871A3 (en) Methods and apparatus for securely signing on to a website via a security website
WO2008148191A3 (en) Remote service access system and method
WO2009003030A3 (en) Secure mobile payment system
WO2011123671A3 (en) Mutual mobile authentication using a key management center
WO2014160347A3 (en) Methods and systems for authenticating a transaction with the use of a portable electronic device
EP2071885A3 (en) Method of handling security key change and related communication device
MX2010006744A (en) System for receiving and transmitting encrypted data.
EP4333554A3 (en) Authentication method
WO2007038743A3 (en) Device, system and method for reducing an interaction time for a contactless transaction

Legal Events

Date Code Title Description
NENP Non-entry into the national phase

Ref country code: DE

121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 09818163

Country of ref document: EP

Kind code of ref document: A2

122 Ep: pct application non-entry in european phase

Ref document number: 09818163

Country of ref document: EP

Kind code of ref document: A2