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U.S. Patent: 10,592,202

Patent Title

Mobile information apparatus supporting mobile payment that includes security based, at least partly, on user pushbutton, user biometrics, data encryption, and short physical distance wireless communication

Meta Information

Issued Date: Mar. 17, 2020
Inventor: William Ho Chang et al
External Links: UPSTO, Google Patents

Technical Fields

Smart Phone / Tablet, Digital Wallet / Payment

Abstract

A mobile information apparatus for making mobile payments associated with a credit card, via a near distance radio frequency wireless communication unit, is herein disclosed and enabled. At least part of the payment information is stored in the mobile information apparatus with an encryption technique. To make a payment, the user approximates the mobile information apparatus to within a limited local physical distance of a wireless output controller, and the biometrics of the user is obtained by the mobile information apparatus as a security measure. The user authorizes the payment by using an interface on the mobile information apparatus, and subsequent to having received the biometric authentication and user authorization, the mobile information apparatus releases the payment information that includes encrypted data associated with a transaction over a short range radio frequency communication link to the wireless output controller for payment and transaction processing.

Sample Claim

1. A mobile information apparatus operable for transmitting payments by short range wireless communication to a wireless output controller that is within a limited physical distance directly from the mobile information apparatus, the wireless output controller being a distinct device from the mobile information apparatus, the mobile information apparatus comprising:
one or more processors;
operating system software executable, at least partly, by the one or more processors at the mobile information apparat us; a touch sensitive screen interface for interacting with a user of the mobile information apparatus;
an interface;
an antenna for transmitting short range radio frequency signals to wireless controller devices that are within the limited physical distance from the mobile information apparatus;
wireless communication circuitry for wirelessly managing, via the antenna, local short range wireless communication with the wireless controller devices that are within the limited physical distance from the mobile information apparatus;
memory or storage storing at least part of payment information at the mobile information apparat us, the payment information includes at least credit card information or bank card information related to the user of the mobile information apparatus; and
software or firmware stored at the mobile information apparatus;
wherein, upon execution of at least part of the software or the firmware by the one or more processors, the mobile information apparatus:
(1) wirelessly discovers, over the antenna and using the wireless communication circuitry of the mobile information apparatus and via short range wireless communication, availability of the wireless output controller for establishing a short range radio frequency communication link, the wireless discovering of the wireless output controller is based, at least in part, on the mobile information apparatus being within the limited physical distance directly from the wireless output controller;
(2) wirelessly establishes, using the wireless communication circuitry and over the antenna, the short range radio frequency communication link directly between the mobile information apparatus and the wireless output controller that is wirelessly discovered in (1) by the mobile information apparatus via the short range wireless communication, the establishing of the short range radio frequency communication link is for releasing the payment information over the wirelessly established short range radio frequency communication link directly from the mobile information apparatus to the wireless output controller wirelessly discovered in (1);
(3) wirelessly receives, using the wireless communication circuitry of the mobile information apparatus and over the short range radio frequency communication link wirelessly established in (2), information from the wireless output controller that is wirelessly discovered by the mobile information apparatus in (1), the information being associated with a payment service provided by the wireless output controller;
(4) generates, by the one or more processors at the mobile information apparatus, encrypted output data, the encrypted output data is associated with the payment information that includes at least part of the credit card information or the bank card information stored at the memory or the storage of the mobile information apparatus, and the generating of the encrypted output data being subsequent to having wirelessly received the information in (3), from the wireless output controller that is wirelessly discovered by the mobile information apparatus via the short range wireless communication in (1);
(5) obtains, via the interface of the mobile information apparatus and from the user of the mobile information apparatus, biometric information as an authentication prior to releasing, via the short range radio frequency communication link wirelessly established in (2), the payment information that is stored in the mobile information apparatus, to the wireless output controller that is wirelessly discovered by the mobile information apparatus in (1) via the short range wireless communication;
(6) receives, via the interface of the mobile information apparatus, at least an indication from the user authorizing the release of the payment information that includes at least the credit card information or the bank card information, from the mobile information apparatus to the wireless output controller over the short range radio frequency communication link wirelessly established in (2);
(7) wirelessly transmits, using the wireless communication circuitry of the mobile information apparatus, at least part of the encrypted output data generated at the mobile information apparatus in (4), over the short range radio frequency communication link wirelessly established in (2), directly from the mobile information apparatus to the wireless output controller for processing payment associated with a transaction, the wireless transmitting of the at least part of the encrypted output data being subsequent to the mobile information apparatus having received the indication from the user in (6), via the interface, authorizing the release of the payment information over the short range radio frequency communication link wirelessly established in (2) from the mobile information apparatus to the wireless output controller; and
(8) displays, on the touch sensitive screen interface of the mobile information apparatus, a done item in response to having wirelessly transmitted the at least part of the encrypted output data in (7), associated with the payment information, over the short range radio frequency communication link wirelessly established in (2) from the mobile information apparatus to the wireless output controller that is wirelessly discovered by the mobile information apparatus in (1); and wherein the wireless transmitting of the at least part of the encrypted output data over the short range radio frequency communication link wirelessly established in (2) from the mobile information apparatus to the wireless output controller in (7) is further subsequent to the mobile information apparatus having obtained, via the interface, the biometric information from the user in (5).