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482 results about "Electronic purse" patented technology

System and method for use of distributed electronic wallets

Methods and systems whereby two electronic wallets communicate and exchange information. In one such system, a consumer's personal electronic wallet communicates with the exclusive or preferred wallet of a web merchant. In one such system, an internet consumer registers with a web merchant's exclusive or preferred electronic wallet (“merchant wallet”) and provides consumer information (e.g., credit card number, mailing address, and other information) to the merchant wallet, which is stored by the merchant wallet in a database on the merchant server. Such information may be automatically populated by the consumer's personal electronic wallet. The consumer maintains current consumer information in a consumer electronic wallet on the consumer's personal computer. When the consumer visits the merchant site again, and orders goods or services, the merchant's preferred wallet can be automatically updated by the consumer's electronic wallet if any of the data in the merchant's wallet has changed. For example, the consumer wallet examines the information in the merchant wallet to determine if the information in the merchant wallet conforms to the current information in the consumer wallet. If the information does not conform, the consumer wallet communicates the current consumer information to the merchant wallet.
Owner:CITIBANK

Method and apparatus for biometrically secured encrypted data storage and retrieval

InactiveUS20080059379A1Less riskHighly resistant to tamperingAcutation objectsFinanceCredit cardComputer hardware
An electronic wallet which is biometrically secured stores credit card and other information. A biometric sensor prevents the electronic wallet from being used by the user who does not have permission to use the wallet. A rewriteable card is inserted into a slot of the wallet in order to have credit card information placed on the card. After the card is used the information is erased from the card when it is placed back in the slot in the electronic wallet.
Owner:ICACHE

System and methods for managing the utilization of a communications device

A system and method for the real-time management of a device, and more particularly to the allocation of electronic wallets that are associated with one or more devices and various controls that enable at least two entities to manage how the device is utilized for various activities and to pay for goods and services. Each device is associated with at least two electronic wallets, a user wallet and an administrator wallet. The administrator can establish rules that designate how and when the device can be used and which wallet will be used to pay for goods and services desired by the user, but in the event the user wallet is depleted or low on funds, the administrator wallet can serve as a backup funding source for specified types of goods and / or services. Additional wallets can also be associated with the device to authorize and pay for goods and services, under the control of the administrator wallet, such as a promotional wallet that could be designated for use with the device before a primary or administrative wallet was used, or a dynamic wallet that could be associated for use with multiple different devices as well as other wallets, but acts in conjunction with the user and administrator wallets. Additional rules can be established to perform many other functions, such as manage the movement of value between wallets and from other sources to the wallets.
Owner:KAJEET

Method and system for transaction of electronic money with a mobile communication unit as an electronic wallet

InactiveUS20010007983A1Performed conveniently and safelyFinancePayment protocolsCommunication unitComputer science
A electronic monetary system comprising a mobile communication unit as an electronic wallet for transactions including electronic payments, money transfer, and recharging the electronic account. The security of the electronic transactions is confirmed by circulating a confirmation number through a loop formed by an E-wallet managing server through the wireless network to the mobile communication unit of the user.
Owner:INFOHUB

Methods used in a nested memory system with near field communications capability

A mass storage memory card adds functionality to host devices with which it is used. In addition to the ability to store large amounts of user files and protect them from unauthorized duplication, a mass storage device according to the present invention enables near field communications with a portable electronic device that otherwise does not have such functionality. In a preferred embodiment the mass storage device has a mother / daughter configuration wherein the daughter card is a fully functioning micro-SD card that can be used independently. The mother card can be accepted in an SD card slot and communicates via the SD protocol. Whether or not the daughter card is present in the mother card, a host with the mass storage device therein will be capable of near field communications. These communications can be peer to peer or can be used to purchase goods or services as a sort of electronic wallet. A controller of the device is also operable to coordinate, control, and safeguard the financial transactions made when using the device and host as an electronic wallet.
Owner:SANDISK TECH LLC

Method and system for managing monetary value on a mobile device

Aspects of the present invention feature a method of managing a monetary value stored in an electronic wallet of a mobile device. These management operations include receiving an indication that the mobile device from a mobile device account of a mobile device carrier cannot be located and is either lost or stolen. Subsequently, a determination is made to see if the mobile device has an associated electronic wallet capable of storing a monetary value. Generally, the use of mobile device and access to electronic wallet is blocked in response to determination that mobile device has an associated electronic wallet. In addition, the electronic wallet can be flagged such that the electronic wallet associated with mobile device will be drained of monetary value as well as being blocked.
Owner:ENT SERVICES DEV CORP LP

Portable Apparatus for Supporting Electronic Wallet

A portable apparatus is capable of switching between a plurality of smart cards and associated circuits to provide a user various independent electronic wallet functions via a single portable apparatus, thereby increasing utilization flexibility and convenience. The portable apparatus includes at least a first smart card and a second smart cart, a near-field communication (NFC) unit, and a control circuit. The first smart card and the second smart card respectively include a first interface and a second interface. The NFC unit is coupled to the first smart card and the second smart card via the first interface and the second interface, respectively. The NFC unit is capable of performing NFC with external apparatuses. The control circuit controls the NFC unit to communicate with either the first smart card or the second smart card using control signals.
Owner:SK HYNIX INC

System and methods for managing the utilization of a communications device

A system and method for the real-time management of a device, and more particularly to the allocation of electronic wallets that are associated with one or more devices and various controls that enable at least two entities to manage how the device is utilized for various activities and to pay for goods and services. Each device is associated with at least two electronic wallets, a user wallet and an administrator wallet. The administrator can establish rules that designate how and when the device can be used and which wallet will be used to pay for goods and services desired by the user, but in the event the user wallet is depleted or low on funds, the administrator wallet can serve as a backup funding source for specified types of goods and / or services. Additional wallets can also be associated with the device to authorize and pay for goods and services, under the control of the administrator wallet, such as a promotional wallet that could be designated for use with the device before a primary or administrative wallet was used, or a dynamic wallet that could be associated for use with multiple different devices as well as other wallets, but acts in conjunction with the user and administrator wallets. Additional rules can be established to perform many other functions, such as manage the movement of value between wallets and from other sources to the wallets.
Owner:KAJEET

System and methods for managing the utilization of a communications device

A system and method for the real-time management of a device, and more particularly to the allocation of electronic wallets that are associated with one or more devices and various controls that enable at least two entities to manage how the device is utilized for various activities and to pay for goods and services. Each device is associated with at least two electronic wallets, a user wallet and an administrator wallet. The administrator can establish rules that designate how and when the device can be used and which wallet will be used to pay for goods and services desired by the user, but in the event the user wallet is depleted or low on funds, the administrator wallet can serve as a backup funding source for specified types of goods and / or services. Additional wallets can also be associated with the device to authorize and pay for goods and services, under the control of the administrator wallet, such as a promotional wallet that could be designated for use with the device before a primary or administrative wallet was used, or a dynamic wallet that could be associated for use with multiple different devices as well as other wallets, but acts in conjunction with the user and administrator wallets. Additional rules can be established to perform many other functions, such as manage the movement of value between wallets and from other sources to the wallets.
Owner:KAJEET

Nested memory system with near field communications capability

A mass storage memory card adds functionality to host devices with which it is used. In addition to the ability to store large amounts of user files and protect them from unauthorized duplication, a mass storage device according to the present invention enables near field communications with a portable electronic device that otherwise does not have such functionality. In a preferred embodiment the mass storage device has a mother / daughter configuration wherein the daughter card is a fully functioning micro-SD card that can be used independently. The mother card can be accepted in an SD card slot and communicates via the SD protocol. Whether or not the daughter card is present in the mother card, a host with the mass storage device therein will be capable of near field communications. These communications can be peer to peer or can be used to purchase goods or services as a sort of electronic wallet. A controller of the device is also operable to coordinate, control, and safeguard the financial transactions made when using the device and host as an electronic wallet.
Owner:SANDISK TECH LLC

Wireless device electronic wallet transaction validation

A wireless phone electronic wallet transaction is associated with a current location of the wireless device at the time of the transaction. The current location is compared to an entry in a database of associated merchants accepting electronic wallet transactions to the locations that they handle such transactions. If a match in location is found, the wireless phone electronic wallet transaction may be validated. If the wireless phone conducting the electronic wallet transaction is not at an expected or acceptable location at the time of the transaction, then the transaction may be flagged for possible fraudulent activity. At the time of the electronic wallet transaction, a software location based services (LBS) trigger is initiated by a wireless device to request validation of the transaction based on its current location.
Owner:TELECOMM SYST INC

Electronic ticket, electronic wallet, and information terminal

A network electronic ticket 1003 is provided in an electronic ticket 1000. Start page data 1016, a ticket owner secret key 1017, an electronic ticket possession certificate 1018, and a network service program 1019 are provided in the network electronic ticket 1003, the network service program 1019 controls various types of processing and an electronic ticket storage terminal, and the ticket owner secret key 1017 and the electronic ticket possession certificate 1018 are used for authentication processing with an information providing apparatus on a network, whereby it is made possible to connect to the network from the electronic ticket itself and receive information service.
Owner:INTERTRUST TECH CORP

Electronic wallet management system, electronic wallet device, electronic wallet management unit, and terminal station

The invention solves the inconvenience that a customer would experience when his / her electronic wallet was lost or broken down. A backup condition testing means tests predefined backup conditions to determine whether to make a backup, when an electronic wallet device communicates with any other device to transfer monetary data. When the backup condition testing means has determined to make a backup, a backup data sending means sends a predetermined set of backup data collected from the electronic wallet device. A backup data management means receives the backup data from the backup data sending means and saves the received data into its backup database. In this way, the proposed system automatically saves backup data of the electronic wallet device when any backup condition is met. This mechanism permits the customer to have an alternative electronic wallet device to be promptly issued when his / her electronic wallet device is lost.
Owner:SUMITOMO MITSUI BANKING CORPORATION +1

Portable personal authentication apparatus and electronic system to which access is permitted by the same

An object of the present invention is to provide a portable personal authentication apparatus which can perform personal authentication, being essential in a future society, anywhere and be used for all purposes and an electronic system to which access is permitted by the apparatus. A mobile device, such as a cellular telephone or a PDA, is used with a portable personal authentication apparatus as a portable communication terminal device 51 and at least one of biological features including a man's fingerprint, voiceprint, and irisprint is used as a medium for authenticating a person as, for example, the user himself / herself. That is to say, biometric authentication is performed. In addition, functions like an electronic purse a conventional IC card etc. had are included in the portable communication terminal device (portable personal authentication apparatus) and the portable communication terminal device is connected to ATM equipment etc. This enables the portable communication terminal device to be managed unitarily as an electronic purse. Furthermore, a portable communication terminal device (portable personal authentication apparatus) is used for authenticating a person as, for example, the driver himself / herself in the case of canceling urgent notification in a notifying system. This will increase the reliability of notification.
Owner:ZEROSOFT +2

Mobile lottery, gaming and wagering system and method

An apparatus or method to allow the secure downloading of an operating system, file management system and or state machine to a Miniature Smart Card (MSC) such as a Subscriber Identity Module (SIM), Universal Subscriber Identity Module (USIM), Removable User Identity Module (RUIM) or Universal Integrated Chip Card (UICC) in a mobile appliance (MA), such as but not limited to a mobile phone, personal digital assistant (PDA), pager or a proprietary device. This would in turn allow an E-purse applet as well as Lottery, Wagering and Gaming applets to be downloaded to the same Miniature Smart Card (MSC) and further allow the downloading of e-cash to be used to remotely play the Lottery, Wagering or Gaming applets as well as make retail purchases.
Owner:COIN MECHANISMS

Electronic purse card value system terminal programming system and method

An electronic purse card value system (10) includes terminal devices (12). Each terminal device includes a processor (26) which is in operative connection with a memory (28) and a modem (36). The terminal devices operate in response to configuration data which is stored in the terminal memory. The configuration data is enabled to be programmed into the terminal device by transferring the configuration data from the memory of a smart card (24) which is read by a card reader (22) of the terminal device. The configuration data stored in the terminal may also be transferred to a smart card through the card reader. The smart card may then be taken to other terminals and used to program those terminals with similar configuration data.
Owner:DIEBOLD NIXDORF

Wearable device and method for controlling the same

A wearable device including a touchscreen; a wireless communication unit configured to communicate with an external terminal including an electronic wallet (SE, Secure Element), the external terminal wirelessly linked with the wearable device; and a controller configured to receive a preset user gesture, receive information relating to an account of the electronic wallet (SE) from the external terminal in response to the preset user gesture, display the received information on the touchscreen, and process an NFC (Near Field Communication) payment using the information displayed on the touchscreen.
Owner:LG ELECTRONICS INC

Bank issued contactless payment card used in transit fare collection

An architecture for a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.
Owner:VISA USA INC (US)

Method and System for Improved Electronic Wallet Access

A mobile payment method and system are described that facilitate efficient and secured payment transactions from an electronic wallet on a user mobile electronic device with a merchant point of sale terminal over a contactless communications link. In one aspect, the system provides for a plurality of passcode entry related states on the mobile electronic device. The mobile device transmits a transaction request message including a multi-faceted value identifying a passcode entry related state to a payment processing server. The payment processing server processes the transaction request and when the transaction request is declined for a passcode related reason, a transaction decline response is provided identifying the passcode related reason for decline.
Owner:BARCLAYS BANK

Electronic wallet system

The electronic wallet system comprises a plurality of devices interconnected through a local network and capable of conducting electronic business transaction on an open network (40). Each device contains a smart card reader. A plurality of smart cards (31–3p) represent the electronic purses of the system. One of the devices comprises an entity called the server which contains a list of purses liable to receive tokens from others purses of the system. The tokens transferred between purses are stored temporally by said server.Application to a family wallet system allowing children to participate to electronic commerce.The system makes it possible to transfer tokens from one first purse to a second purse without having in hands the smart card corresponding to the second purse.
Owner:THOMSON LICENSING SA +1

Electronic purse card value system card security method

An electronic purse card value system (10) includes terminal devices (12). Each terminal device includes a processor (26) which is in operative connection with a memory (28) and a modem (36). The processor is further in operative connection with components of the terminal device including a customer interface (14) through which inputs are accepted and outputs are delivered, a card reader (22) and a printing device (30,34). The terminal devices are operative to communicate with host computers (42,44,46) through a communication system (38). The system is operative to carry out transactions in which data representative of value is loaded and unloaded from integrated circuit chips on customer cards (24). Data representative of value is stored in the memories of the cards such that certain value amounts are stored in one memory area while other value amounts are stored in a second memory area. A third amount is calculated which is a function of both the value amounts in the first and second memory areas and the third value is stored in memory on the card.
Owner:DIEBOLD NIXDORF

Method and apparatus for providing electronic purse

Techniques for portable devices functioning as an electronic purse (e-purse) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct transactions over an open network with a payment server without compromising security. In one embodiment, a device is loaded with an e-purse manager. The e-purse manager is configured to manage various transactions and functions as a mechanism to access an emulator therein. The transactions may be conducted over a wired network or a wireless network. A three-tier security model is contemplated to support the security of the transactions from the e-purse. The three-tier security model includes a physical security, an e-purse security and a card manager security, concentrically encapsulating one with another. Security keys (either symmetric or asymmetric) are personalized within the three-tier security model.
Owner:SHENZHEN RFCYBER ASSET MANAGEMENT

Electronic wallet device

The present invention provides an electronic wallet device for a mobile phone comprising a SIM card interface, comprising: a processing unit configured to provide a top-up service interface to the mobile phone and to receive and convert a first transaction instruction from the mobile phone into a top-up instruction; an authentication unit provided with an electronic wallet and configured to receive and convert the top-up instruction into an authorized top-up instruction and to write an amount to the electronic wallet according to the authorized top-up instruction; and an NFC antenna electrically connected to the authentication unit.
Owner:PHYTREX TECH CORP
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