72511 results about "Mobile phone" 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.

The present invention has particular applications to the navigation of Internet web pages using two-way interactive communication devices, such as a mobile device, a mobile phone, a landline telephone, and an Internet capable remote controller. According to one aspect of the present invention, each of the two-way interactive communication devices is a node in a distributed network, thus the devices can access hypermedia or hierarchic layers of information stored in server devices on the network. When one or more pages of information are updated, rather than sending the entire updated information to users of the devices subscribing to the updated information through the network, the present invention sends a notification to a proxy server that forwards the notification to the users using a messaging system via a low cost narrowband channel. Upon receiving the notification, the users can fetch the updates, when needed, through a wideband channel. Hence systemic solutions are provided in the present invention to integrate wideband and narrowband channels so as to keep the users informed of any updates to their desired information and meanwhile provide efficient means to the users for retrieving the latest updates without incurring uncontrollable costs and increasing unnecessary network traffics.

Apparatus and methods perform transactions in a secure environment between an individual and another party, such as a merchant, in various embodiments. The individual possesses a mobile electronic device, such as a smartphone, that can encrypt data according to a public key infrastructure. The individual authenticates the individual's identity to the device, thereby unlocking credentials that may be used in a secure transaction. The individual causes the device to communicate the credentials, in a secure fashion, to an electronic system of a relying party, in order to obtain the relying party's authorization to enter the transaction. The relying party system determines whether to grant the authorization, and communicates the grant and the outcome of the transaction to the device using encryption according to the public key infrastructure.

A system and method of advanced identification information to be created and distributed to users of wireless communication devices, such as mobile phones. Subscribers can define their own personas as collections of information which define the users. Subscribers can then publish their persona(s) to their friends' and associates' mobile phones, and update the others' address books with the subscriber's contact information. Users can specify different personas to be presented to different users.

A speech service, including a speech-to-text engine and a text-to-speech engine, creates and maintains user profiles at a central location accessible over the Internet. A user connects to a software application over a mobile telephone and delivers a voice command. The speech service transcribes the voice command into a text command for the software application. The software application performs a service desired by the user and delivers a text result to the speech service that is converted into a speech result that is delivered to the user. A user speaks to a hardware device to perform a function. The hardware device sends the speech to the speech service over the Internet that transcribes the speech into a text command that is sent over the Internet to a device service provider. The device service provider maps the text command into a device command that is then sent back over the Internet to the hardware device to perform the function. A remote hardware device can be controlled using the software application.

A rental / car-share (RCS) vehicle access and management system and method, in some embodiments, utilizes barcodes, QR codes (or NFC / RFID), GPS, and a mobile app coupled with a wireless network to enable customers to bypass the reservation desk and pickup and drop off reserved RCS vehicles using a mobile phone, tablet or laptop. The QR code, RFID, or NFC communication with the mobile application allows for identification of the vehicle by a mobile application, which, if authorized, can access the vehicle via a temporary access code issued by remote servers. The remote servers and / or mobile application communicates with a control module that plugs into the on-board diagnostics module of the rental / car-share (RCS) vehicle and includes a host processing unit with a processor, an accelerometer, data storage, a GPS with internal GPS antenna; a wireless modem with internal antenna, and CAN bus transceivers connected with the processor, and a USB programmable interface.

The serving of one or more ads to a user device considers determined characteristics of a user device, such as whether or not the user device supports telephone calls. At least some ads may include call-on-select functionality. When such an ad is selected (e.g., via a button click), instead of loading a document (e.g., Web page) for rendering, a telephone number associated with the ad by an advertiser can be automatically dialed.

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.

A system for determining the level of an analyte in a physiological fluid of a live individual is described. A wearable sensor periodically obtains data representative of the level of the analyte and has a passive RFID tag that stores the data. A receiver wirelessly interrogates the sensor with an RF interrogation signal. The RFID tag modulates or otherwise modifies the wireless interrogation signal using the data and the receiver receives back the modulated or otherwise modified interrogation signal and extracts the data from it. The receiver then determines, from the data, the level of the analyte in the fluid. The sensor may be a photometric or colorimetric sensor or an electrochemical sensor. The receiver may be, or be incorporated into, a hand-held device, a portable device, a PDA, a mobile telephone, or a laptop computer. The resulting system is more versatile and consumes less power than conventional systems.

Wireless Electronic Check Deposit Scanning and Cashing Machine (also known and referred to as WEDS) Web-based Online account cash Management computer application System (also known and referred to as OMS virtual / live teller)—collectively invented integrated as “WEDS.OMS” System. Method and Apparatus for Depositing and Cashing Ordinary paper and / or substitute checks and money orders online Wirelessly from home / office computer, laptop, Internet enabled mobile phone, pda (personal digital assistant) and / or any Internet enabled device. WEDS enables verification and transmittal of image, OMS is the navigation tool used to set commands and process requests, integrated with WEDS, working collectively as WEDS.OMS System.

A method for authenticating a financial transaction at a point of sale (POS) includes storing an application program in a first secure element of a mobile phone. The application is configured to generate instruction codes to effect the financial transaction upon verification of a user's identity. The user's credentials are stored in a second SE of the phone, which is operable to verify the user's identity from a biometric trait of the user input to the phone and to generate data authenticating the financial transaction in response to the verification of the user's identity. At the POS, the user invokes the application and then inputs a biometric trait to the phone. The second SE verifies the user's identity, and upon verification, generates data authenticating the transaction. The financial transaction data, including the instruction codes and the authenticating data, are then transmitted from the phone to the POS.

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.

A hands-free wireless wearable GPS enabled video camera and audio-video communications headset, mobile phone and personal media player, capable of real-time two-way and multi-feed wireless voice, data and audio-video streaming, telecommunications, and teleconferencing, coordinated applications, and shared functionality between one or more wirelessly networked headsets or other paired or networked wired or wireless devices and optimized device and data management over multiple wired and wireless network connections. The headset can operate in concert with one or more wired or wireless devices as a paired accessory, as an autonomous hands-free wide area, metro or local area and personal area wireless audio-video communications and multimedia device and / or as a wearable docking station, hot spot and wireless router supporting direct connect multi-device ad-hoc virtual private networking (VPN). The headset has built-in intelligence to choose amongst available network protocols while supporting a variety of onboard, and remote operational controls including a retractable monocular viewfinder display for real time hands-free viewing of captured or received video feed and a duplex data-streaming platform supporting multi-channel communications and optimized data management within the device, within a managed or autonomous federation of devices or other peer-to-peer network configuration.

A password setting system for a secure system includes a user token server and a communication module. The user token server generates a random token in response to a request for a new password from a user. The server creates a new password by concatenating a secret passcode that is known to the user with the token. The server sets the password associated with the user's user ID to be the new password. The communication module transmits the token to a personal communication device, such as a mobile phone or a pager carried by the user. The user concatenates the secret passcode with the received token in order to form a valid password, which the user submits to gain access to the secure system. Accordingly, access to the system is based upon: nonsecret information known to the user, such as the user ID; secret information known to the user, such as the passcode; and information provided to the user through an object possessed by the user, such as the token.

An audio user interface that generates audio prompts that help a user interact with a user interface of a device is disclosed. One aspect of the present invention pertains to techniques for providing the audio user interface by efficiently leveraging the computing resources of a host computer system. The relatively powerful computing resources of the host computer can convert text strings into audio files that are then transferred to the computing device. The host system performs the process intensive text-to-speech conversion so that a computing device, such as a hand-held device, only needs to perform the less intensive task of playing the audio file. The computing device can be, for example, a media player such as an MP3 player, a mobile phone, or a personal digital assistant.

A communication system is provided that uses loosely-coupled client-server architectures to improve the efficiency of communications. The communication system includes client and facilitator applications. The client application is a component of processor-based mobile communication devices. The facilitator application is hosted on one or more servers or other processor-based devices, and communicates with the client application via one or more couplings. The facilitator application can also be distributed among one or more portable processor-based devices including the communication devices hosting the client application. The communication system improves efficiency of voice communications by allowing communication device users to dynamically manage how and when mobile calls take place, intelligently screen calls based on caller identity, urgency, and subject matter, determine which contacts in a directory are available to talk and which ones choose not to be disturbed, and increase accessibility of enterprise and personal contact information from mobile phones.

A dynamic publishing system for delivery and presentation of multimedia on a wireless device, such as a PDA or mobile telephone. A presentation server dynamically compiles application data based on scene description data for one or more media objects, and sends the application data to the wireless device for presentation of the media objects. The wireless device has a media player that is able to process the application data at an object level for the objects in response to events, and control the presentation. The application data includes content, layout and control logic data for the media objects.

A method and apparatus are disclosed to allow individuals to initiate, join, manage, and participant in a conference call. Members of a community can meet and collaborate over telephones, especially cellular telephones, or computer workstations, in a way that is freeform or prescribed, automatic or moderated, spontaneous or scheduled, unassisted, and selectably anonymous. The invention provides broadly customizable degrees of collective and individual organizational control, and provides social safeguards to minimize disruptions by unruly participants.

The transmission system transmits an encrypted identifier ultrasonically in an open-air environment using an ultrasonic transmitter. The ultrasonic identifier is associated with a location, which may be a store or a department within a store, and may be received by a microphone on a mobile phone. The identifier may be used to infer presence of the mobile phone user at the location associated with the identifier. The transmitter may include an ultrasonic transducer. The system may further provide a reward, responsive to inferring presence at the location.

A method is implemented by a mobile device associated with a short-range wireless network in a vehicle. The method includes identifying a paired device within the short-range wireless network, the paired device having access to a vehicle information system, and receiving, from the paired device, vehicle status information from the vehicle information system. The mobile device determines if the vehicle status information triggers a safety mode for the mobile device and disables particular features or components of the mobile device based on the determination.

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.

An apparatus is provided which allows a user, while surely rejecting unwanted electric messages with a white list, to browse the rejected messages so as to check their contents. Electric messages from persons unlisted on the permitted-sender list are accumulated in the message holder, and upon receipt of a browsing request from a user terminal, the messages stored in the message holder are permitted to be browsed by the user. While the user is browsing the messages on the user terminal, a link is established between the sender information and the permitted-sender list, and the sender information is added / registered to the permitted-sender list, in response to the user selecting the sender information of the electronic message on the user terminal. This apparatus is applicable to a system for electronically delivering electronic mail such as e-mail and voice mail that is sent directly to mobile telephones.

Embodiments of the invention include a method of forming a nonvolatile memory device that contains a resistive switching memory element that has improved device switching performance and lifetime, due to the addition of a current limiting component disposed therein. The electrical properties of the current limiting component are configured to lower the current flow through the variable resistance layer during the logic state programming steps by adding a fixed series resistance in the resistive switching memory element of the nonvolatile memory device. In some embodiments, the current limiting component comprises a varistor that is a current limiting material disposed within a resistive switching memory element in a nonvolatile resistive switching memory device. Typically, resistive switching memory elements may be formed as part of a high-capacity nonvolatile memory integrated circuit, which can be used in various electronic devices, such as digital cameras, mobile telephones, handheld computers, and music players.

A payment resolution module is configured to communicate with hand-held devices (such as mobile phones, PDA's, or computers) to allow secure transfer of funds between financial accounts associated with each of the hand-held devices. A user of a paying device may be identified as the owner of the device either by having the option to enter a personal identification code, or by using a biometric to identify himself, for example. Accordingly, only an authorized user of the hand-held device may use the hand-held device to transfer funds. A user of the recipient device may be identified by an identification code or a telephone number, for example, which is associated with a recipient financial account. After the payment resolution module receives authorization for a payment request to the recipient account, a payment transfer module transmits the requested amount from a payment source associated with the identified owner of the paying device to the recipient account.

Methods and systems for conducting financial transactions in a mobile environment utilizing a mobile device such as a mobile telephone or wireless connected personal digital assistant (PDA) that communicates with a mobile financial transaction system (MFTS) that stores user and transaction information. The MFTS receives information on behalf of a mobile device user corresponding to bills to pay or other payments to make. The MFTS also receives information corresponding to payment sources available for use in making payments. Selected payments information and payment source information are communicated to the mobile user via a wireless network and displayed for user selection. The user selects a payment to make and a payment source. A mobile payment instruction is generated and communicated to the MFTS. The MFTS instructs a payment instruction recipient to make a payment to an identified payee. Real-time updated account and payment balances are provided to the user's mobile device.