4460results about "Lock-out/secrecy provision" patented technology

A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions can be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions can be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or “widget.” The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.

A technique is used to ensure the authenticity of a wireless transmission source which is requesting a transaction to be performed by a system. The transaction may be a person-to-person money transfer or other value exchange transaction. The wireless transmission source may be a mobile phone or other similar device. The wireless transmission source transmits a key with the transaction request. The system will determine the authenticity of the transmission based on the transmitted key. If the transmission is determined to be authentic, the transaction will be acted upon. Various approaches for determining authenticity are discussed. The technique may also be used to prevent acting upon duplicate transmissions.

All-in-one wireless mobile telecommunication devices, methods and systems providing greater customer-control, instant-response anti-fraud/anti-identity theft protections with instant alarm, messaging and secured true-personal identity verifications for numerous registered customers/users, with biometrics and PIN security, operating with manual, touch-screen and/or voice-controlled commands, achieving secured rapid personal/business e-banking, e-commerce, accurate transactional monetary control and management, having interactive audio-visual alarm/reminder preventing fraudulent usage of legitimate physical and/or virtual credit/debit cards, with cheques anti-forgery means, curtailing medical/health/insurance frauds/identity thefts, having integrated cellular and/or satellite telephonic/internet and multi-media means, equipped with language translations, GPS navigation with transactions tagging, currency converters, with or without NFC components, minimizing potential airport risks/mishaps, providing instant aid against school bullying, kidnapping, car-napping and other crimes, applicable for secured military/immigration/law enforcements, providing guided warning/rescue during emergencies and disasters.

A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions may be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions may be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or “widget.” The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.

The present invention is directed to security systems and methods for mobile network-based data environments. The present invention provides an integration of security, mobile computing, wireless and IT infrastructure management technology, to create a new level of automation and enforcement to enable the transparent application of mobile security across an enterprise, while embracing end user “transparency” and “ease of use” and empowering IT administration.

An architectural solution in which standalone ad-hoc network cells are used as an extension of the backbone infrastructure in terms of network architecture or/and its service capabilities is provided. These Ad-Hoc networks will integrate to the Internet via cellular and other access networks. This integration brings new possibilities to network operators and ISP's. In its extended architecture, it is envisaged that the mobility issues are handled by utilizing the IP mobility capabilities, taking into account the mobile mesh Ad-Hoc specific requirements.

A speaker recognition system for authenticating a mobile device user includes an enrollment and learning software module, a voice biometric authentication software module, and a secure software application. Upon request by a user of the mobile device, the enrollment and learning software module displays text prompts to the user, receives speech utterances from the user, and produces a voice biometric print. The enrollment and training software module determines when a voice biometric print has met at least a quality threshold before storing it on the mobile device. The secure software application prompts a user requiring authentication to repeat an utterance based at least on an attribute of a selected voice biometric print, receives a corresponding utterance, requests the voice biometric authentication software module to verify the identity of the second user using the utterance, and, if the user is authenticated, imports the voice biometric print.

A system, apparatus, and method are directed towards automatically managing an access account at an access point using near field communications and credentials stored on a mobile device. The mobile device receives, out-of-band, information for use in creating an account for accessing network resources from the access point. As the mobile device is brought into proximity with the access point, a wireless network connection is established using a near field communication (NFC) protocol. The information, which may include a user credential, account information, and so forth, is communicated to the access point. The access point employs the information to establish an account and create an environment from which access to the network resources may be obtained. Upon termination, the access point removes from itself any user specific data. The access point may provide also session related information useable in billing the user of the mobile device.

A member-supported payment system is available to consumers and merchants without sign-up fees, subscription fees, or transaction fees to either consumers or merchants. In a specific implementation, the member payment system is a mobile payment system where consumers may conduct transactions using a mobile device such as a mobile telephone, smartphone, personal digital assistant, or similar portable wireless handheld device. Merchants will make a refundable one-time contribution. These contributions are stored in a pooled trust account by the system and the float dividends or interest on these contributions will fund the system.

The present invention can be used to facilitate the integration of wireless capability provided by wireless access points into an enterprise computer network. A gateway server is interposed between wireless access points and protected networks to provide security and integration functions, for example, authentication, access control, link privacy, link integrity, and bandwidth metering in various embodiments. Use of such a gateway server allows substantial control to be gained over network access even with the use of relatively simple access points. In general, such a gateway server receives a request to access the protected network. An authentication subsystem of the gateway server authenticates the user, preferably by accessing an external authentication server and returns a role to the authenticated user. An access controller in the gateway server provides differential access to the protected network based on the user's assigned role. A multiple gateway servers can be connected together to form a mesh network architecture.

In one embodiment, the present invention is a method and apparatus for wireless network security. In one embodiment, a method for securing a wireless computing network includes receiving a communication from an unidentified transmitter, identifying the transmitter in accordance with a fingerprint generated from one or more radio frequency signal characteristics extracted from the communication, and taking action in response to an identity of the transmitter.

A hand-held information processing device, such as a mobile phone, has a thumb wheel that lets the user scan a circular array of options. Each respective one of the options is represented by a respective audio output that gets played out when the wheel is turned a notch up or down. This enables the user to select an option with one hand and without having to look at the device. It also allows for a form factor smaller than that of a conventional mobile phones since a keypad is not needed for entering digits to make a call from a personalized directory.

A financial transaction card is provided according to various embodiments described herein. The financial transaction card includes a card body with at least a front surface and a back surface. The financial transaction card may also include a near field communications transponder and/or a magnetic stripe, as well as a digital display configured to display alphanumeric characters on the front surface of the card body. The financial transaction card may also include a processor that is communicatively coupled with the near field communications transponder or magnetic stripe and the digital display. The processor may be configured to calculate one-time passwords and communicate the one-time passwords to both the near filed communications transponder or magnetic stripe and the digital display.

Interface device for interfacing between a PLMN network and a non-PLMN network, the PLMN network being configured to recognize cellular base stations as nodes thereof through which to mediate connections to cellular mobile devices, the non-PLMN networks each comprising a plurality of access points for mediating connections to network compatible mobile devices, and for which the network compatible mobile devices are not required to be cellular devices. The interface device is configured as a node of the PLMN network to appear to the PLMN network as a standard cellular base station, and comprises functionality to make non-cellular devices connecting to the non-PLMN network and attempting to access the PLMN network through the non-PLMN network appear as cellular devices to the PLMN network.

A MicroAdapter device enables payment transactions to be effected through a purchaser's personal trusted device (PTD) without relying upon tokens or prepayment cards. In one embodiment, the MicroAdapter includes a transceiver configured to receive a purchase signal from the PTD including order and payment information. In response, the MicroAdapter communicates via wireless telephony with a transaction authorizer to receive authorization for effectuating the purchase transaction. The MicroAdapter may be particularly suited to effectuate micropayment transactions authorized by a Billing On Behalf of Others (BOBO) program administered through a wireless carrier/ISP or third party.