Patents Portfolio

U.S. Patent Application: 20150363763

Patent Title

Mobile Information Apparatus That Includes A Secure Element Storing Payment Information And Using A Cryptographic Technique For Implementing Mobile Payment

Meta Information

Appl. No.: 14/835585
Filed: Aug. 25, 2015
Inventor: William Ho Chang et al
External Links: UPSTO, Google Patents

Technical Fields

Smart Phone / Tablet, Smart TV, Digital Wallet / Payment, Laptop

Abstract

A mobile information apparatus that includes a secure element for making mobile payments associated with a credit card or bank card, via a near distance radio frequency wireless communication unit, is herein disclosed and enabled. At least part of payment information or a device identification number is stored in the secure element or protected memory of the mobile information apparatus. Data stored in the secure element or protected memory is implemented to be not accessible by the user, but is accessible by a memory controller included in the mobile information apparatus implementing a cryptographic algorithm. To authorize payment, the user enters authentication information that may include a password, or a pin code, or user biometrics; and subsequent to the authentication, the mobile information apparatus transmits encrypted data over a short range radio frequency communication link to a wireless output controller or reader for making payment and transaction processing.

Sample Claim

A mobile information apparatus operable for making mobile payments by short range point-to-point 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 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 controller;

a memory component;

a protected memory area in the memory component storing protected data that is implemented to be not accessible by a user of the integrated circuit memory device, but is implemented to be accessible by the memory controller implementing, at least in part, a cryptographic algorithm, the protected data stored in the protected memory area of the mobile information apparatus includes at least part of payment information, and 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:

establishing, by the wireless communication unit over the antenna, a short range point-to-point radio frequency communication link directly between the mobile information apparatus and the wireless output controller, the establishing of the short range point-to-point radio frequency communication link being when the mobile information apparatus is within a limited local physical distance from the wireless output controller;

accessing, by the memory controller, the protected data that includes at least part of payment information stored in the protected memory area;

implementing, at least in part by the memory controller, a cryptographic algorithm for accessing the protected data stored in the protected memory area;

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 for releasing payment information from the mobile information apparatus to the wireless output controller, the indication from the user includes an authentication procedure using at least one of a password, a PIN code, or biometrics, individually or in any combination, from the user; and

subsequent to the authentication procedure from the user at the mobile information apparatus, the mobile information apparatus is operable for wireless transmitting at least part of the encrypted output data, over the short range point-to-point radio frequency communication link directly from the mobile information apparatus to the wireless output controller for processing payment associated with a transaction.