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U.S. Application: 20150356564


Patent Title

Smart phones or internet pads supporting mobile payment that includes security based, at least partly, on fingerprint authentication, data encryption, and short physical distance wireless communication

Meta Information

Appl. No.: 14/828349
Filed: December 10, 2015
Inventor: William Ho Chang et al
External Links: UPSTO, Google Patents

Technical Fields

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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. The mobile information apparatus is at least a smart phone or an Internet-Pad. At least part of the payment information is stored in the mobile information apparatus with an encryption technique. To make a payment, the user is instructed to move the mobile information apparatus to within a limited local physical distance from a wireless output controller; the user authorizes the payment by providing fingerprint authentication; and subsequent to the fingerprint authentication, 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.

U.S. Application: 20150356564

Sample Claim

1. A mobile information apparatus operable for making mobile payments by short range wireless communication with a wireless controller device that is within a limited physical distance, the wireless output controller being a distinct device from the mobile information apparatus, the mobile information apparatus is at least a smart phone or an Internet-Pad, the mobile information apparatus comprising:
a processing unit;
operating system software;
a touch sensitive screen interface for interacting with the user;
a digital camera for taking pictures;
an antenna for transmitting short range radio frequency signals to wireless controller devices that are within a limited physical distance from the mobile information apparatus;
a wireless communication unit for managing local wireless communication with wireless controller devices that are within a limited physical distance from the mobile information apparatus;
a memory or storage unit storing at least part of payment information at the information apparatus, the payment information being associated, at least in part, with a credit card or a bank card related to the user of the mobile information apparatus;
wherein, the mobile information apparatus is configured for:
discovering, over the antenna of the mobile information apparatus, the wireless output controller, the discovering of the wireless output controller is limited to when the mobile information apparatus is within a limited local physical distance from the wireless output controller;
establishing, by the wireless communication unit over the antenna, a short range radio frequency communication link directly between the mobile information apparatus and the wireless output controller;
generating, at the mobile information apparatus, encrypted output data for ensuring security of communication from the mobile information apparatus to the wireless output controller for transaction management, the encrypted output data is associated with the payment information stored at the memory or storage unit of the mobile information apparatus, and the payment information is associated, at least partly, with a credit card;
receiving at least an indication from the user of the mobile information apparatus authorizing the release of payment information from the mobile information apparatus to the wireless output controller, the
indication from the user includes fingerprint authentication of the user; and
subsequent to the fingerprint authentication that identifies the user of the information apparatus, the mobile information apparatus is operable for wireless transmitting at least part of the encrypted output data, over the short range radio frequency communication link directly from the mobile information apparatus, to the wireless output controller for processing payment associated with a transaction.