(19) United States
`(12) Patent Application Publication (10) Pub. No.: US 2004/0107170 A1
`
` Labrou et al. (43) Pub. Date: Jun. 3, 2004
`
`
`US 20040107170A1
`
`(54) APPARATUSES FOR PURCHASING OF
`GOODS AND SERVICES
`
`Publication Classification
`
`(75)
`
`Inventorsz Yannis LabroU, Baltimore, MD (US);
`Lusheng Ji, Silver Spring, MD (US);
`Jonathan Russell Agre, Brinklow, MD
`(US)
`
`Correspondence Address:
`STAAS & HALSEY LLP
`
`SUITE 700
`1201 NEW YORK AVENUE, N-W-
`WASHINGTON: DC 20005 (US)
`
`(73) Assrgnee: FUJITSU LIMITED’ Kawasak1(JP)
`(21) App1. No.1
`10/628,569
`
`(22)
`
`Filed:
`
`Jul. 29, 2003
`
`Related US, Application Data
`
`(60) Provisional application No. 60/401,807, filed on Aug.
`8, 2002.
`
`Int. Cl.7 ..................................................... G06F 17/60
`(51)
`(52) us. Cl.
`................................................................ 705/64
`
`”7
`(3 )
`
`ABSTRACT
`
`A computer system for conducting purchase transactions
`using wireless communication between a consumer and a
`merchant includes a consumer operated mobile device, a
`merchant operated device, a trusted secure transaction server
`(STS) device, one or more payment service devices, a
`wireless communication network in communication with the
`consumer device and the merchant device, a communication
`
`network in communication with the merchant device and the
`STS device, and a communication network in communica-
`tion with the STS device and the payment service devices.
`The consumer device, merchant device and secure transac-
`tion server device are capable of executing the Secure
`Transaction Protocol.
`
`
`
`Secure
`Transaction
`Server 106
`
`AP 114
`
`P 114
`
`‘ P 114
`
`Location
`Determination
`Sewer 12I
`
`Financial
`
`stitution 108
`
`I
`
`
`in
`
`
`Customer 102
`
`
`
`Authentication
`DHCP
`lifgter/NAT , Hlillifia
`Server 124 Server 126
`Server 802.1x 122
`
`
`puiJcZZSng
`App. 128
`
`Retail
`App. 130
`
`Merchant Transaction Server 104
`
`113,120,122=
`
`optional
`
`VISA - EXHIBIT 1216
`
`VISA - EXHIBIT 1216
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 1 0f 63
`
`mm
`
`1A
`
`Now595630
`
`_m_o:m:_u_
`
`mow:2559:
`
`930m
`
`:ozommcmfi
`
`wow53%
`
`
`
`
`
`.Nr.mamw
`
`5283
`
`cozmc_E._$wov:n..v:n_.v:n_<
`
`
`
`
`
`mv3.033cozommcmfiE2052
`
`"NS8;:
`
`W_EamEnanw_m:o=n_o
`
`
`
`
`
`
`__Emmcosmozcmfigmozo
`
`.imaydo?.vmr52$02aa<8522.5NExvmomhwaowmmtmammELI.w:
`
`“Eh—D
`
`
`
`9.:h<2thom
`
`
`
`
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 2 0f 63
`
`US 2004/0107170 A1
`
`New5.25530
`
`_m_o:m:_n_
`
`newconfirm:—
`
`‘NF5&0;
`
`“fin—D
`
`mm?da<
`
`mEmmcoSn.
`02do?
`mgm:
`
`3%
`
`63mm
`10:0
`._.<Zt2:om
`
`
`
`
`
`vowLoamw.Snowman;E2202
`
`_N2.9onEgg;
`
`N235
`
`230mm
`
`cozommcmt.
`
`mow52mm
`
`.Zaxis
`
`
`
`
`
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 3 0f 63
`
`US 2004/0107170 Al
`
` NowhmEowwzo
`nor:80:530mcozomwcmfiE2805.
`
`
`
`V.F053:.
`
`8F
`
`.322m.832;
`
`.0:0
`
`
`
`62%225%“_
`
`.3655“.
`
`
`
`we.confirm:—
`
`
`
`cozommcmc.
`
`9:52%
`
`230mm
`
`.:6%25
`
`
`
`:ozommcmfiE2222
`
`
`
`o?905232mm
`
`
`
`
`
`mm?€985cosmos999:0
`
`mMimi
`
`
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 4 0f 63
`
`US 2004/0107170 A1
`
`
`
`Nor$80530
`
`Eucmci
`
`we:o_§Emc_
`
`oSoom
`
`cozommcmfi
`
`
`
`mo?.mEmw.:3&25
`
`
`
`‘Ema225mma.DID‘
`
`owe
`
`
`
`cmoocEEmmcozommcmfiEmzemé
`
`
`
`
`
`02.&<
`
`:39..
`
`
`
`mm?.&<
`
`
`
`
`
`co.unmcfl.EmEm»
`
`
`
`omwA2025:.maww
`
`N293m.8525
`
`vEnmfi
`
`
`
`
`
`
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 5 0f 63
`
`US 2004/0107170 A1
`
`V_m_ocm:_n_
`o853%ICOEUNwCQLF
`
`
`
`.230mm.
`
`o:595::
`
`mmoou<
`
`v:EBA
`
`mmooo<
`
`v:E8
`
`389%
`
`3_“Eon
`
`Now.mEEmzo
`
`m2:5
`
`
`
`
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 6 0f 63
`
`US 2004/0107170 A1
`
`cozsfimc.
`
` .9:53mm
`
`230mm
`
`cozommcmc.
`
`o:BEBE
`
`mm80<
`
`3_Ewen
`
`$086.
`
`3_“Eon
`
`wmuoo<
`
`v:“Eon
`
`
`
`”figs.322:
`
`
`
`dan—R:umHEX:
`
`3&8:
`
`OO-clo-CO...IIIIIQOOOI.IIIOI
`
`NS5:550
`
`w.0.53m
`
`
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 7 0f 63
`
`US 2004/0107170 A1
`
`
`
`CNN@358anoowtommHNomasesmmwoow30%.»an
`
`
`
`
`
`-------------------------------------------------------------------------------------------------------------------¢0o.ito
`
`N.EsmE
`
`
`
`3NE282:Elm:a9mwougooHOEDmGOU
`
`9.55350
`
`:3355228.:
`
`
`
`«52—95:.pix—Da
`
`SNmEEBuEFED"
`
`
`
`
`
`238me$8350.7.:3.2233395;-on
`
`
`
`
`
`
`

`

`Patent Application Publication
`
`J
`
`US 2004/0107170 A1
`
`4%.1.$54My}?
`
`vomsomxmmncoxx
`
`EEO339:5
`
`O“m“330$
`
`
`W.Sm:ouaNtoEHD‘fi.
`3.,gmcofiNEowEb/xma330mmIa
`
`.a3:230////A000.7...
`
`
`
`
`
`
`woSwE
`
`
`
`
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 9 0f 63
`
`US 2004/0107170 Al
`
`ia.320mm
`
`a.SENEEE
`
`
`
`wmmC8380~5on
`
`9%“3592
`
`a.“mosflmm
`
`ommcoantomexx
`
`
`
`EEOommaopsm
`
`cmcoufiaoé
`
`£53ij
`
`
`
`OmmCOEQQMUGQMOH.uN
`
`
`
`
`
`nouwNEoEHD/xVMmsosanfloflthw
`
`5on
`
`
`
`N:cosmEamcoU
`
`own83855on
`
`olmm.
`
`mEzwfi9:20quZ
`
`
`
`
`
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 10 0f 63
`
`US 2004/0107170 A1
`
`wemFm
`
`E:EEBBZN3$85300
`
`
`
`
`
`56:288:mEEBhunk—Oemu—3.5%
`
`
`
`and1309thsewage—Nba5SEC820:5
`
`
`
`.mmuufionuw“530.52
`
`
`
`LQEOuma—fihnhouaau:90“5558Sam
`
`
`
`a28:9:“25580
`
`BBC3285
`
`Purchase Order Acquisition -
`Direct Purchase Order Exchange
`
`S2&5
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 11 0f 63
`
`US 2004/0107170 A1
`
`
`
`
`
`
`
`.5350mug—0.5mEmomen—52339“a8m
`
`
`
`EEOummnogmmmopfiocuwEgan—2
`
`2:$52:32202me36:28
`
`
`
`m38:30..555980
`
`E2202 98.
`
`583:8BEmomoa1.2595
`
`
`Logic.,asoh=n~3§u=ow“5:205ES.“.5th328:.”
`
`
`
`
`
`5mEmomoa5303533.59on
`
`can“52805moat?warm
`
`5.55:8m3<568minsup8:Emmaco39:5
`
`
`
`Om538qu2:was:883300
`
`5:35:38
`
`122—95
`
`mEEEom
`
`
`
`nouommcmbFmHm
`
`Em2:3%?£26
`
`
`
`.3233cognac—E.
`
`sozoamuahh
`
`Purchase Order Acquisition —
`Purchase Order Request
`
`:Ema
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 12 0f 63
`
`US 2004/0107170 A1
`
`
`
`Ea39355meat?mrwm
`
`
`
`
`
`uOmumuzoa.umomoanouommcgm59
`
`
`
`
`
`EEOomunoam+Luci—Oown—3:5m8.38%62822
`
`o2mHmE:EmfibgNS5:55:00
`
`
`
`
`
`a233:8.583on-
`
`285802 99—.35528n:<5Bumbaganac:Emma
`
`
`+hufiLOumnaaunmovfiuuoUuoemunomaa3:33“2:350-
`
`.“5:82:EomEEO$225
`
`553:89.3955Ewen—chm
`Dogma—.0:,GEES2:Emouoo
`
`9:573933.00033warm8$288
`
`
`
`
`
`5»Emomoacovoamcab8.835
`
`.6EmmEV
`
`
`
`OmExcuse9:wan:552250
`
`5:93:59
`
`image...“
`
`mwbfiiom
`
`nowommamhm.mew
`
`mhm2:35:5:85
`
`
`
`539amanaged.
`
`Eczema—.95.
`
`Purchase Order Acquisition —
`Purchase Order Request from STS
`
`S2:5
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 13 0f 63
`
`US 2004/0107170 A1
`
`
`
`9:mHmS:EEQBE.New$55280
`
`
`
`mofltgg#:30qu
`
`$823a.252awed«Lag—.4
`
`5:52
`
`
`
`avEDE28082:33:385.2520
`
`
`
`E3982mEEqumEoiumEwe—82:
`
`
`
`
`
`Dix/Ev:ouommcfirwunassuming
`
`
`
`oEm:Twp:“5:208EaDMD
`
`
`
`SEEDSmpg—mtgmhm
`
`$23;933:33..me
`
`g:o:ouco_3o:v~0<v
`
`232m3
`
`585:8832258mhm
`
`
`
`muEEom“53802
`
`€558EmsBoE
`
`mhm8FE
`
`Enaomcugcamvas
`
`
`
`02398..mHm
`
`
`
`GSA—«Hm.5
`
`
`
`
`
`
`
`
`
`3:385nomoumcwbEmman—30:0
`
`Merchant Verification
`
`D“Ema
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 14 0f 63
`
`US 2004/0107170 A1
`
`
`
`
`
`newsman:wafitofifi:o
`
`328“.9.8883:3can
`
`3380535:;mhm
`
`
`
`HWOH’Og+UuwauuogWhmCH30m}:Om#06m§hw
`
`
`
`notommnmbm:mBEucowBump—22
`
`
`
`$3258a.2.8303“33>
`
`{983:895m:
`
`«sop—owuo-Bcnvfijb
`
`8.5%?—mhm
`
`«354%.8
`
`"Em€358canmHmSpa
`
`oncommn:a:33x«5:952
`
`3—55.80 wemrwwi:EEEDESH.$83200
`
`
`hogan-MooofiuOwomfioamuhmHmuflQEQMCQ—3°=V~U<v
`
`Mega—“Goon:0vQmGOn—mouUmflOQmuhmew
`
`m:3:23am
`
`33>528mg:
`
`
`
`Gauguin.5
`
`
`
`
`
`3:33..mhmon.mama:28:0
`
`REQuest
`
`(preAUTHor
`
`lzat
`
`Ion)
`
`E2&3
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 15 0f 63
`
`US 2004/0107170 A1
`
`02mHm
`
`hDF—DmGDU N3$85280
`
`
`
`Ecozmmzomhbxx09383289“Em+=c€aumacmhb<
`
`
`
`
`
`s=oufitomhb<uaofiusmfiz
`
`
`
`355:8EaE23888meEoooamuaommoa985:35.:
`
`
`
`323::2:.“EBHangman:2:
`
`23982H2333no330%E8
`
`
`
`«cozfitofig383:8was
`
`
`
`2.8558momma?um
`
`
`
`8.8%?mfim
`
`Egomco—Boafiudb
`
`,9:53;5
`
`.mHmmuaauomEamewEat
`
`ugommem:3qu53822
`
`
`
`583:82.3Sumcommohmhm
`
`55:88on“28:238
`
`
`
`uncommonmeQtmomma?685.80
`
`«=ououco_3a=v~0<v
`
`025mm?—mFm
`
`
`
`th=w=<h.3
`
`AUTHorization (includes payment)
`
`22am
`
`m:mew8mnEEomcancocoa—HEP
`
`
`
`
`
`Amgmuoovmgr—2:3953822
`
`x:32202
`
`05:32.59:
`
`mDNtOSHDM
`
`850335@5538
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 16 0f 63
`
`US 2004/0107170 A1
`
`
`
`
`
`3033:0le<ucsmu=0mm583:8Ea
`
`E2955
`
`flomwommfimhm:moauufiow=3..5
`
`
`
`03mHmAE:32962NE58380
`
`
`
`newmanger—omhenna—EGO
`
`
`
`
`
`0..535533385?32>8825
`
`3.55;mbm 2:2.".hcmkD<w=Smu=Om—m
`
`
`+95:Ehcmeaégssaomm25335533535..
`
`
`3:53805935%“:unacmmohmfim0.mHmmchEomcanmhmBaa
`
`585:8052umcommemhmu:u:ouco_3c:¥nv<vnnv
`omnonmflm:£53:55vam
`
`83in35&2?:0$326Ea
`
`
`
`c.sawtomhbzwE05333c5
`
`
`:oufirmzm30525of5m?.
`
`meEooom$.8ntEa«nu=ow—.o_3c=v~0<v
`
`
`
`Euro—«mash21.33300:mm3:093»mEm
`
`5.55:898320589upfiflflm.5
`
`
`
`
`88%“:mew2tmoat?E256,dI2:U.
`diam.511
`
`\I/S2:5m
`
`mapS
`
`Single step
`REQuest andAUTHorizat
`
`.1
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 17 0f 63
`
`US 2004/0107170 A1
`
`u=o§NuoED<o...+:0:«NE3.5.34»3.58528Ea
`
`m:mFmEmuLmEncEa.853:th
`
`.:cofiNEED<
`
`2:882850:3no320%can
`
`3.,EEG055:5sarcasm:05
`
`
`
`58:3898.3322:8bmam£30mmvcommouEadosfismfi
`
`
`
`m=o=m~to£=m583:8Ea
`
`E322:mthSmhm-
`
`mmufismco.firsnuabocuv5x2Straw
`
`
`2.:Em385:8mmagma—Hummhm-
`muBaum335:88th.98¢
`8353.59:.go?+«ae:owca_>>©=v~0<mhm
`
`
`“22952-
`
`095%“:m:an}“5:052-
`
`
`
`.mhm€338.“ESmhm89a
`
`
`
`255:82.:9095%“:mhw
`
`5.58:82:93.8%.“:
`
`859.2EM2:meat?
`
`«:v:oa=u_3c=v~u<
`
`Quiz—mo.—mum
`
`
`
`
`
`oncmumumhcgpzw05Eben;Snowshoe5&9m
`
`2::£6E353%$5583.80
`
`
`
`cozoamfibfiat—macs
`
`
`
`montofism$83.80.
`
`
`
`
`
`OHNUmrFMHMHUHMOH—OHMH=DVHOHoomaombutHO.HDumodlwmfi—DQ
`
`+_=ozsntomg<amhm82m$3an28552-
`
`58380i 285:85on88?.
`we:on858an58o-Am:V.5aa2.fiaumostmboxoaufiSm5x2
`
`
`
`
`
`
`9:838:5155onuumtummugs—8wE2822
`
`03whimE:33952NE38:30.0
`
`:33“.
`
`Token Creation an
`
`d AUTHor
`
`lzat
`
`ion
`
`229mm
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 18 0f 63
`
`US 2004/0107170 A1
`
`c3mHm.E:#:EopozNS5:32:00
`
`
`
`moNcofiza5:55:00
`
`
`
`
`
`ostautcmrub‘m8:828:Gain—8V
`
`
`
`
`
`GEESS3:855“5:952-
`
`
`
`
`
` 3:528EmE382:83w@5anmncommu:9.x5:355~.658.“05:23:owoamfib2:
`
`u:09893533:omouse:95
`
`
`
`30351053553:838
`
`
`
`28:03::moat»;mhm-
`
`+“KEENEQHEDAV‘mzufizmcooEB
`
`
`
`.fountain/x
`
`
`
` _=c$§€cflh§<SEEEBEHD’N‘
`
`m:wHw83338.:van5535.;
`
`Snowman:tA555:@8825»358:8m3€sz
`
`
`88:85.3m«333%mbm-
`885:8a93%+e:o:auc23o:v—D<mHm
`
`
`8:096:m:33%”5:052-
`
`,wbmmagic.“25EMEB:
`
`
`
`coy—30228“22m«$5982-
`
`255:82:93:262mrrm
`
`883:80588594.:
`
`u=o=oucoEo=MU<
`
`3.5me:
`
`mEm 333%mm?
`
`
`
`
`
`:58:38.:mhmmfiimucfig$83980
`
`:83:33:3on:35%
`
`w:as»:
`
`Token Creation and AUTHor
`
`Izatlon
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 19 0f 63
`
`US 2004/0107170 A1
`
`
`
`
`
`
`
`55538:HEBcoy—8838mmoufiocow#3552
`
`mg
`
`03mHmE:EEQBENS$85300
`
`
`3.3FMHUEo=OHM5on83:;2:SmEmoEtoo
`
`
`
`
`2:81“885:8a.8.29.5»mHm
`
`
`
`5MBuuflbosov:380333.
`
`.333%$3nozoumgba.98—938338
`
`
`
`285:3:3838%E3232
`
`
`
`Qufluwfiuhmotoga?
`
`
`
`awhmEob38sz.5552
`
`
`
`
`
`EoEoMfiu—3c=v~0<finafiofiwPage2:SM538
`
`2::2.:a8.23%.3835350
`
`:3203382:
`
`
`
`
`
`SEE—503382x:2:.838”:—8momma—2653
`
`
`
`
`
`2:£53888550:0onm
`
`Token Creation
`
`22am
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 20 0f 63
`
`US 2004/0107170 A1
`
`#839521 @3059“mm:ozocmnabh.€9—m883:8Snowflake”.
`555m8Ea$20.559waEooom.mBeam“:26533%.:
`
`Eusuuu—Bcf04v.33Babe—EV:0onoomiom+PEA.rm.3u‘5mEngage".mmemsawwwhm-
`
`wcm2::m1:3282%bus:$53280
`.
`33>55%:th
`385:8:383.8883082,.th=1-<h.5
`
`
`
`
`38:28on.8omcommoumew.zo:~m%o-B¢§U<v
`
`553:8059030%23:2??—mhm
`
`Sumo:.-mm+mama—OHMawhim8on$813.—EmseoE-
`
`
`
`
`mew80.3305“32>868mg:
`
`
`
`5:882.m:$555»E3832-
`
`
`
`$8th833:0533>
`
`“message2:38at
`
`
`
`mEflmuE:5E:38335m$3.5:qu2.33802
`
`c3mHmE:ExxohozlNNE555250
`
`oumo=OHm.€888:FEES9:8%5x2
`
`
`.2tabacov28528:38m
`
`
`
`m:mfifiofim583:0
`
`
`
`
`
`cozmwcEED<“5:3350838888:52?so6281can38.5mm
`
`
`
`5.5.28«EmE533535:3mrwm-
`
`
`
`023w:“QUEENS;—+:3233.5w058wozoEtoo
`
`05:3:2535:23Absmmooo:mm
`
`Eoficw
`
`
`
`
`
`
`
`8.8%»:m:maneu—
`
`.whm$33.8EamewSow
`
`umccmmuhPEon.meat?E35
`
`Single step REQuest, AUTHor
`
`1221
`tion and Token Great
`
`ion
`
`om“Ema
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 21 0f 63
`
`US 2004/0107170 A1
`
`
`
`
`
`:2meomHD<2053350583882:52?no«0286vanmausomx
`
`2.::38:828:ofAfimmmoou:mm
`
`
`
`5.55.8was5282:moat?whim-
`
`
`
`Sumo:oHM—+came—AVE“mHm833:05“32>5:228“
`
`
`
`53322n:33.3%23802-
`
`
`
`€528an38:9232>
`
`{053:8ofiEam:
`
`
`
`wemHm.2:320.52NS$85300
`
`
`
`m:mBEufimbfiamaoo
`
`33>coroamcdh
`
`
`
`
`
`m50%“:wasnoun—:55Eocene
`
`$83onEaEmzopoEBwaEooumac_v04v
`5x8Strawmmofisfimmew-=o=omo25:
`
`
`
`
`
`
`.CunE.—BEE—HumEEO—USEnma:0sz+2:1:‘.m.5
`
`
`
`
`
`353%mm;caveman:E..5onoLtow
`
`055%“:m:mace—EMF—802-
`
`,mHm$5.28EamhmBot
`
`
`
`585:82:2umaommohmhm4u:o=uwuo_3o=v~0<v
`
`
`
`
`58:882:9oncommuauncommonmBm
`
`
`
`
`
`:3283.5%0535%«5:80:-Aug—.Q—Afim.5
`
`.
`
`
`
`Eaomnoamemhmo5moat?25:0
`
`
`
`Gov—OHUumtomDH—wmOuOum
`
`
`
`
`
`32:?
`
`Single’step REQuest, AUTHo
`
`I'lZfl
`tion and Token Creation
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 22 of 63
`
`US 2004/0107170 A1
`
`2:mbm
`
`E:Eggs:
`
`NE88380
`
`
`
`noiuuowmhmufimo@8838:058.3
`
`
`
`gauge:83.
`
`835505on0338
`
`
`
`£3.62Emacs—2
`
`caquhngxchumgom—m
`
`:31:352%Magmaou
`
`
`
`
`
`.2335:—ofinah—0:3oEoEtoo
`
`85max2:~23:383382
`
`9:835:B:8mucommotoo
`
`Service Tokén Verification and Consumption
`
`mm2:5
`
`
`
`
`
`nuamhocowb30305605%.382us:5.5,
`
`
`
`2:8mufiomubu5&9Amrrm2:3V
`
`
`
`583:3058mm
`
`
`
` 5:5389:2033%32>on32222
`
`
`
`
`
`Snowshoe:382:moan—E8“5:802
`
`
`
`
`
`3.35.350any—ch.x$1536355:28.352?
`
`
`
`3.5me..«53952
`
`Egowcoescuvmvfi
`
`
`
`3.54:5:.3
`
`
`
`3.9025:03as;385502.:b93323:580:—05mo
`
`
`
`
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 23 0f 63
`
`US 2004/0107170 A1
`
`9:mHmE:33952NEHofismsoo
`
`usiumv
`
`2:H8Baguio”.mEa€38
`
`
`
`5:33839385M30333
`
`..98—FEE—mace
`
`
`
`:85..on
`
`
`
`325305335:898:t+3.35339now—oh.
`
`353%‘flew—oh.
`
`23$th5on“22m“5:802
`
`3853008EMSmusauomwas
`
`3.3ELM—HUemozoaflaunts”.5x933.6wamkmBot38:68
`:39m$655Mmhm
`
`Token Creation
`
`2£ng
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 24 0f 63
`
`US 2004/0107170 A1
`
`£55«mouoémm+2:2..-mm+039:de
`
`
`
`=o§~tofl§<“5:333o58.5859550:3no330%van3350de
`
`
`
`2:fitsacreage:ofiAgmmuoo:mm
`
`
`
`
`
`Ecmuommfidbmummuafihoiuw”5:95:I
`
`
`
`$358um:Hmosomm33>
`
`.$5832802:use3m
`
`
`
`mkm2cumuaomm33>2282.8:
`
`
`
`ofiomttuo5on335mnmhmBobamong»EEEDE-
`
`wemHm1:E3952NS$85280
`
`
`
`m:magmbcowHos—3:90
`
`32>3:328“
`
`6:528useE3808moat?mhw-
`
`36:23use6382:2:mEEOoom«:2562.5.:M04v
`5T5nogmbosuv=38uBEum.+Av...—Hdfl.82:comSnowshoea535.comme-u.
`
`
`_museum“:Eugencases0..mrhwand5:39.:
`
`
`
`
`
`
`mugGomwommghu.fl.A>UuflwnHOEfimGOO+Qwflawzfihu=Uv—O'HL
`
`58:388:39332:8Baa—202-.,:3—ch.
`
`
`wannabe:39“22m:85th-.
`
`853:8us.885%“:mhw+$9515de.3
`
`
`,mhm$353wasmew80¢nun—59%:whm
`
`
`8:5282:88.5%“:e=o:oucu_&o:v~0<v
`
`
`@383“
`
`030%8m:300%Eda—0.52-
`
`
`
`anon—mm:mph2:meat“;«5:9
`
`«N2:5
`
`Single step REQuest, AUTHorization and Token Creation
`(for token certificate verification by STS)
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 25 0f 63
`
`US 2004/0107170 A1
`
`
`
`
`
`835$sou—2amuambcowmyrw
`
`2:SmBmoEtuoacam€81:
`
`
`
`5MBaugmbuzuv:32outflow
`
`.99—when—3:8
`
`
`
`39532233Snowman:b+335200.3on
`
`«555%
`
`.8ch
`
`
`
`.cmhw58m$3st“5:202
`
`02mrwmE:EnsgozN3$55300
`
`
`
`
`33_:LMM—meosoaBuommtoonow—2838m
`
`
`
`
`
`
`ofioEtoo:38Knox“5:955
`
`85320035on€83.“anEa
`
`8:BBQSm5x82on58350
`
`Token Creation
`
`mm2%;
`(for token certificate verification by STS)
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 26 0f 63
`
`US 2004/0107170 A1
`
`
`
`53829:asmuumbcow«5:232-.
`
`
`
`mhm8$.06:de32>8:823
`
`:3981:8mmbm89%33:3.—Emaflog-
`335:8
`
`
`
`$858a.38:05:32>
`
`.m.:oE:m:oo2t:5m:
`
`wemhm3:E3952NS885300
`
`u
`
`
`
`«mu—dcflm32>growth—Eb
`
`
`
`m:mBEo:owhofismgo
`
`2:2..mm+#355:
`
`SEE£62255:+
`
`
`
` 2:3:3grease:2:@6388:a:ozamtowfibax2556033053:0382552?:o32ro«Ex98:05:
`
`
`
`3:55:00was$550qumoat?mhm-
`
`.
`
`
`
`mgoamo:3855355E0535
`
`2.85:8a858%mhm.55%u.5.=555:8:53380::8b36802“au_M93
`as.coo:
`
`
`3:3.9.mhm
`
`
`
`35523983.:.93£08228+.885200:oxch.
`
`
`
`~23BEES»;5&883:3+3::mafia.5
`
`353%
`
`8:33:W:Run;—:5552-
`
`.mbmmESEoM:5mewEofi
`
`
`
`883:82:83:33:mrrm
`
`5:3282:9028%“:
`
`
`
`
`
`383:89:83.$3259“Easy—02-
`
`
`
`
`
`8533083:25:mhmwasfixed
`
`
`
`mummmmofi2:3.EonEme
`
`3:33.—me0585:325:0
`
`Evaomwu~>>o=v~o<v
`
`+9:32::
`
`
`
`$553..mfim
`
`cow—om.
`
`Single step REQuest, AUTHo
`(for token certificate verification by STS)
`
`tnza
`
`ion and Token Great
`
`0
`
`8as»:
`
`1011
`
`
`
`
`
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 27 0f 63
`
`US 2004/0107170 A1
`
`5E28me0:93
`
`
`
`
`
`.o3250$58m885:8Agni—fin.3
`
`
`
`EMS.33%33255Eo:tho-Bo=v~0<v
`
`
`
`goammoa:583:8ofi9023832>thEmacs—2
`
`@385
`
`2:Em.2:22802NE55:28
`
`©0332-umofHomfiflmofiu2:8b
`
`
`
`Aufiomfiuo:83“
`
`
`
`385:8:380328
`
`
`
`$3sz“5:052
`
`Sac:_..aU:3_o§mu_—Oflm
`
`
`
`Ema—3550529023EmoEtoo
`
`ES>02052:35&3c0382
`
`@8838:052menommobou
`
`
`
`EMSmegawaow58350
`
`285.505:5.meweBSEEU
`
`
`
`5onQBEEE5352
`
`
`
`$53.80moans—co
`
`
`
`855.30now—a9a3:536358:38S38?
`
`
`
`
`
`@8990ch:32mm:235:32:E@0382mm;5on2:can;me
`
`mbm025mm?—«52—93:
`
`Service Token Consumption (Verification by STS)
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 28 of 63
`
`US 2004/0107170 A1
`
`2:m5S:33:80:.a:55380
`
`
`
`.5on023%mafia?“583.50
`
`
`
`
`
`81mamo~833on330832:com:mhm2:3E222:059285896:2:95:86“aScam
`
`
`
`$338058m33bmsomzaBEA—macedd
`
`
`
`:25mm:>323o:t583:82:303333353“5:892
`
`3:538E5“85x9coir—omm
`
`
`
`5:035»:
`
`mm2:3
`
`
`
`
`
`flow—oh.ceriumoutrunmEno5on2:33.3153
`
`
`
`
`
`2me55350303E582
`
`Service Token Consumption (Verification by Merchant only)
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 29 0f 63
`
`US 2004/0107170 A1
`
`we
`
`
`
`
`
`Ema—3:228
`
`mm2:5
`
`F.wEww:owommcmfiEzuow
`
`
`
`ommmmmEEEsmcoo
`
` 3:22.222
`
`gang nan-EH:55gag
`
`
`
`
`
`

`

`Patent Application Publication
`
`US 2004/0107170 A1
`
`"Efim0::EH—3.3.222035. mazxoo_
`m:80.5:5m,@5562
`n.A....Vm@5532
`_ascozommcmc.
`
`I
`
`cm2&5
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 31 0f 63
`
`US 2004/0107170 A1
`
`
`
`Emu-mallgnaw—32:28
`
`mow._¢>._¢mcoaomwcflh950mm
`
`
`Egg—WEE
`
`mmmmmeLoEsmcoo
`
`z2:5
`
`
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 32 0f 63
`
`US 2004/0107170 A1
`
`
`
`New3.222035.
`
`9.2055.
`
`LIV.
`
`mm2:5
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 33 0f 63
`
`US 2004/0107170 A1
`
`
`
`Nfioucmmno535L8Swag.owmmmoE8:03:89.8owmmmowz55$:thmo968m?“250m
`
`
`
`
`
`
`
`ESEEMmofinnedHoowmmmoE5:03:38mo$55338o;.:“Eon
`
`
`
`
`
`ofiS8?chESSousaE2988
`
`..Sov§m..,:08yo5&qu
`
`
`
`.cosaomfiooowmmmofimo2::
`
`
`
`fl835mm.Ev
`
`m835mm“w;
`
`mm.3sz
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 34 0f 63
`
`US 2004/0107170 A1
`
`owmmmozn<
`$9835E“mosOmg”cofimNcomhbaa.5“mosdmmvDab
`
`
`
`
`
`owwmmoam3“8omsommou“83803835”m
`
`owmmmofi£58omqommoh8m2.8082mg”0
`
`
`
`
`
`83%$5.89wauognnb.580weGHQ”m‘832Vmagnumommmmoawe9Q”Q
`
`
`
`
`
`
`
`
`
`
`
`
`
`coumtomowcomommzmb32mm.550088goE525compummamfi.um
`
`
`
`
`
`owmmmufi:OENNEOHMHD‘QEwummoomm03£me9318330.mmmm339%com:Mn.ham8com:on83:88momamaDwain“U
`
`x2%;
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 35 0f 63
`
`US 2004/0107170 A1
`
`
`
`
`
`.3me£5E«monomm”soumeoEHD/w850:0va095owmmmozH<
`
`
`
`
`
`owwmmuemu:8oncommeHom‘ovoomwooosm”m
`
`
`
`
`
`%%38.mEH88:09.048How250“Kazan”U
`
`
`
`83%wfiucomuwmmmuEmoQ5”Q
`
`
`
`
`
`83%mantawauommnmb$50noman.”m
`
`
`
`533886:ofiommcmbwoohwm3502:8S852%5:03:89um
`
`
`
`
`
`mm2&3
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 36 0f 63
`
`US 2004/0107170 A1
`
`
`
`BEES“:2:Em:otommamb.on“8“£28wow:on859:5:onEocombaseman“<“m
`
`
`
`
`
`
`
`58085nowfiwcomov59mm3@83me380836mHo$0832?“.<
`
`i“onSEmmmooosm£3“monomm05
`
`
`
`
`
`mafia:Esooom{Sham”O
`
`omega2%mo
`
`cm2:5
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 37 0f 63
`
`US 2004/0107170 A1
`
`
`
`
`
`SERGE2:8maofiommcmb2:3BHome83m:38Spas:Bmhosomb98928<”m
`
`
`
`8523somam—953$33m3@2365238232mm.83805cann<
`
`
`
`Ho:(833383m9»gmosomm2t
`
`
`
`,Vowamnofi95mo
`
`S2%;
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 38 0f 63
`
`US 2004/0107170 A1
`
`
`
`85mecoauocowékmfimsogoam63:09.353,8303:me2:885398<”D.
`
`
`
`
`
`
`
`393£5EdoumNfloEHDaxEoflwwtombbxxHoHmosdmmv09$owmmmogH<
`
`
`
`owmmmofi£88omqommogHo,“350$805.”m
`
`
`
`owwmmofi£58030%»:How350825m”0
`
`
`
`
`
`commoommb30329youb258%magnumoofitomon8EEEQO.mcom:mm
`
`
`
`
`
`mm2:5
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 39 0f 63
`
`US 2004/0107170 A1
`
`
`
`
`
`comebackwoufioaomérwmbmsogoam”BEBE?“cocacouommcmb059moaosmoh<”D
`
`
`
`
`
`
`
`398mu:EcommNtoEHwam:o_§NtomHD<SwmosOmmv09$owmmmozu<
`
`
`
`owmmmoEE58omcommupHow250mmuoozm“m
`
`
`
`owmmmoam3“8vmaommeHow0on238m”U.
`
`
`
`
`
`
`
`@2962?bmsorwoaHo:E3:83m.ooxmm.oo:8£883:230”m
`
`com:mm
`
`%2sz
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 40 0f 63
`
`US 2004/0107170 A1
`
`
`
`Garwood2:?some“022%m03:588%.coumtomuc3:05:933:230:<”m.
`
`
`
`
`
`
`
`
`
`350:3nomcmwaomou83m3uBmoEEocooREELSmmooosmBELu<
`
`
`
`
`
`“onHoBummooosmmagsoumNiofis<05.
`
`82%;
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 41 0f 63
`
`US 2004/0107170 A1
`
`
`
`
`
`
`
`0&8sz053»some0333doEmeoHow4833836353%?“Edoumo:<”m
`
`
`
`
`
`
`
`
`
`
`
`Hofiosgsowzmccomow093m\3c8868owoo833m8mmooosmoar—Lu<
`
`
`
`
`
`
`
`Ho:(5#:Wmmuoosm£3:osmNEofisxx2:
`
`S2:5
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 42 0f 63
`
`US 2004/0107170 A1
`
`
`
`
`
`3239:BabesEmma:—
`
`95:ESwk:ha
`
`‘om:PE:2589
`
`
`
`333283:50
`
`0mmmtg358
`
`@2025520
`
`
`
`
`
`$292535%“:gum
`
`
`
`
`
`.moaOmMmHEgain—hm232m
`
`
`
`8mm”:2a”953fiesta2E6
`
`..o_u>=m95m
`
`
`
`,Q2025con—O
`
`
`
`
`
`Fm<HwHZmE><m3530355in:
`
`
`
`8:2??—whm2:GRADucom
`
`
`
`ED<53.ex320a;0mm:mhmEat”mama—z5&qu
`
`
`
`
`
`hum:EEton—om2:83...muacom
`
`
`
`
`
`montowibaxgaseous283m.55
`
`ass.5:5at:E;E:.e
`
`
`
`
`
`mom—8&2Batu...»Samoa
`
`
`
`
`
`3232a:StrawEon—bi25:0,:
`
`
`
`
`
`tomEoEamm25:0?25.:2.385
`
`v60;F5<58:ED<PE:2535
`
`mt?me:2589
`
`3325EEO
`
`
`
`@292595m
`
`
`
`
`
`5:?mtgon.Cuba3203:."235
`
`
`
`=23~€o3h3<m5vuanboam232m
`
`
`
`EESFS<3.52mDE:2%
`
`
`
`
`
`@20333:33.Ham
`
`
`
`.m2u>=u=30
`
`
`
`D>UMHZmE><mmm.5555:£534
`
`
`
`8:33.mhm05QED95m
`
`NV2:5_
`
`
`
`“£8222m23“um:23.5%“:Scam
`
`,2:gm2:$2
`
`
`
`“850%nuanbuzmPE:2895
`
`
`
`0mmBabufiPE:25m
`
`How:2OmBEE
`
`,
`
`2.3“mo—aux
`
`Om«muaum
`
`NSQHLD
`
`
`
`
`
`
`
`
`
`
`
`

`

`Patent Application Publication
`
`US 2004/0107170 A1
`
`n
`
`ehS4
`
`mweDatum2:Eon—ham325.5
`
`hA>m_am_um3:0mmmuoamho8:356:33LoEzmcoov
`
`r.
`
`
`
`mm“0.00300comm8“.
`
`
`
`ummwEoucmm.
`
`
`E2325a<0;f2232305E200._.wz.Homano%oafixoomts
`
`Q“.0ZS>>
`
`
`
`
`momtEE022$nm>.>co=ommcmfiScozmgaqmHmz.wSowmEQsmme2m\«9/
`Baum8:302E.
`
`
`mxm26u£>>‘w.m83.3EmE>mn_mEEO.“Raf.
`
`
`
`
`
`
`
`
`
`.EEoomt)..émo?Loamw
`
`.mwokswE
`
`No—
`
`wmcoamm:022mmEmE>mmwEEO$2829%NFmucomwhm9cozommcmhk
`
`
`
`
`
`
`
`
`
`5.528BI15<23:38,.mhw99.23wt).3v9.mEmmI._b<23:33.
`
`
`
`.EEoowhw.2momtBE835mnm>>
`
`
`
`Agonycozfiaamis52.
`
`emuuccouzseén225>)
`
`
`
`{ogoEmEhwz.
`
`.axm26uE>>
`
`moan.—
`
`
`
`$23n_U_._n_.52339>)
`
`
`
`
`
`
`
`BEzmcooL295m:25889:836mE959“.oEEOE2»,2833.m._.w
`
`
`
`
`
`
`
`
`
`5:59.60.335885:50mm28:88.mucwmmhw
`
`
`
`
`
`EEsmcoo80mmS3:83.m._.w.mEmEBwt).
`
`
`
`95m:E388836mE956;25:03282WE
`
`
`
`
`
`
`
`AZE23cm.mEzmcoovcozommcgmflmmzomfi.mEswcoo
`
`
`
`
`
`
`
`0mm.oEsmcoonew0mm9.5.22.8mt).
`
`
`
`
`
`VOn.mozmomm.oEzmcoo
`
`
`
`an:EEO$205;33553..mEzmcoo
`
`
`
`
`
`
`
`
`
`9588£093.mEsmcoovcozommcmzmw~toxk3<.mEzmcoo
`
`
`
`
`
`
`
`F N 6': <r Lo <0 F no a:
`
`
`
`
`
`
`
`.mEsmcooucmI._.D<wt).mucmmwt).or
`
`
`
`E65205—mo_meacacia;95:02:ozommcm:2.9395SIHD<
`
`
`
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 44 0f 63
`
`US 2004/0107170 A1
`
`mmO A:m.03«553285w:m
`
`
`E388“mun—nodany
`
`
`625%53035.:QEDESWEZteam03$05deaccommcmbQED95m3OmBow
`
`
`
`§umcommohwhoAS“monmE8omcommou35m5ma:
`
`m2mmo2:gm2:we:N28%
`
`30mH855
`
`
`
`
`
`AmyDEAD80mm8umcoammzmhmU333
`
`
`
`
`
`Am::OMENtoEHD/x3caninegum
`
`NS8:033“
`
`
`
`85:osmNEoEHD<screams“:QEDEa.HS3%
`
`
`
`.:ofimutowibxxcowomgmhOPEvaom
`
`
`
`9:DEAD8ED<.8028%“:mhmEugen
`
`32&5
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 45 0f 63
`
`US 2004/0107170 A1
`
`
`
`
`
`AGPPS8mEmomoanonommqsb98m
`
`As2$22%
`
`
`mammo82%3592won:mSEE:
`._.AV3:3
`
`
`
`
`
`
`A338¢oncovenantEgcom
`
`Emain
`
`A8028%“:mmO.
`
`
`
`8V3.25%8.umaommm:gum
`
`
`
`8:QED80mm9omcogmoampmEgan
`
`
`
`:vcogNtoF—b/w:ouommcmbQEDnae
`
`
`
`
`
`5newsflash?8:825:QEDwe“we:.Em
`
`v335%?—who
`
`Cmeo855255.mm
`
`
`
`AmCsonchoEFD/w83:093.“98m
`
`GS-n58ES<88:0.m2whm2658.
`
`39:5
`
`
`
`
`
`Escoom“$30MA._H030mmamongstQuinswas$32Showmg:35desonommsmbQED“Bow
`
`
`
`
`
`
`
`
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 46 0f 63
`
`US 2004/0107170 A1
`
`
`
`.
`
`mom5Hmm
`
`_m_ocmcE
`
`
`
`
`
`add.2963:23:00wmhmco
`
`
`
`E9538:86:26mucmcemE
`
`
`
`_m_o:mcc.295@228
`
`cozommcm:.8m20:3sz
`
`ES5:3:5_m_o:mc_u_
`
`.mficmci
`
`$28:322.
`
`an;mu_>._mm
`EoE>mm
`
`25:0,
`
`23%
`
`.human“:
`
`NeEEBmzo
`
`v3Stow
`«cm—.205.
`
`Nor.mEoumzo
`
`”2613\—
`
`m-wo_‘22::sz«5:035.
`
`
`
`3:atom
`
`
`
`mootzomHfioflbnmmofizfio23:58
`
`
`
`
`
`
`
`
`
`53>8365888EmmamrwmBEL
`
`mcouommcmb
`
`.mm>.ma
`
`wow35330
`
`
`
`«9..mEBmso
`
`.323mm
`
`
`
`
`
`
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 47 0f 63
`
`US 2004/0107170 A1
`
`—“1
`
`
`
` \O
`
`CI
`
`n
`
`08
`
`HillaryCI"
`
`\L.
`
`
`
`
`
`
`
`Front
`
`85.6mm
`
`
`
`Back
`
`102
`
`Figure47
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 48 0f 63
`
`US 2004/0107170 A1
`
`Emo
`
`i m
`
`'E
`
`512
`
`m 03
`
`:
`'c
`
`90
`
`
`
`CompactFlash
`
`Connector514
`
`
`
`CompactFlash
`
`WiFiCard
`
`Figure48
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 49 0f 63
`
`US 2004/0107170 A1
`
`mo—
`
`.33825532>22m
`
`89.3E:Eom=E
`
`_||New8..,7___,_
`
`
`
`EmomP60:85 cmmEUmano
`
`
`
`2w53mm_
`
`
`
`3m.EL.
`
`av2&5
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 50 0f 63
`
`US 2004/0107170 A1
`
`
`
`cm2&3
`
`
`
`comEmcumfiz.v.5“.-
`
`lga
`
`
`
`
`
`Nam00.—
`
`N 2
`
`38m26532>mgm
`
`vom2225
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 51 0f 63
`
`US 2004/0107170 A1
`
`Pre-purehasing phase,
`example 6%
`
`Discover UPTF merchants 602
`
`UPTD
`
`I can find the following merchants:
`Sam’s Restaurant
`Jeff Books
`Movie Park
`
`
`
`102
`
`Connect to a UPTF merchant 604
`
`
`
`Welcome to Sam’s Restaurant
`
`
`
`
`
`
`iew your Order
`
`Pay your Bill
`
`
`m V
`
`Interaction with a UPTF merchant 606
`
`Figure 51
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 52 of 63
`
`US 2004/0107170 A1
`
`Physical Goods
`' Purchase 1, example 6 1 O
`
`
`
`F
`
`H
`
`Purchase Order Acquisition 612
`
`Sam’s Restaurant
`Select which table you want to
`pay for
`_
`l 2 .3: i .5.
`5. Z 5
`
`Sam’s Restaurant
`
`'
`
`v
`i \
`
`V 102
`
` PRESS the PAY button on
`
`Your bill fortable 3 is $34.58
`When you are ready to pay,
`
`,
`
`M
`
`your device
`
`UPTD
`If you want to pay $34.58
`to Sam’s Restaurant
`
`,_
`
`on Mon', Sept. 1, 2003, 6:54 PM ‘
`enter PIN and select Continue
`1 2 3 4 '
`Continue
`Cancel
`
`*
`
`A
`
`_REQuest614 V
`
`AUTHorization 6 16
`
`U P T D
`
`.
`
`Select one of your accounts to
`authorize the payment
`AllFirst Visa
`Discover
`Bank of Amexica bankcard
`Cancel
`
`Figure 52
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 53 0f 63
`
`US 2004/0107170 A1
`
`Physical Goods Purchase 1,
`example, variation'620
`
`
`
`
`102
`
`Purchase Order
`Sam’s Restaurant
`
`Acquisition 622
`
`
` Select which table you want to
`
`pay for
`
`
` IZQQQQZE
`
`
`Sam’s Restaurant
`Your bill for table 3 is $34.58
`
`en you are ready to pay,
`
`5: SS the PAY button on
`
`
`u -
`'ce
`
` REQuest &
` UPTD
`If you want to pay $34.58
`to Sam’s Restaurant
`
`
`
`AUTHorization 624
`
`on Mon, Sept. 1, 2003, 6:54 PM
`enter PIN and select account
`
`Next Page
`
`V
`U P T D
`UPTD
`
`
`1234
`_ PIN 9
`1 2 3 4
`
`Account 9
`
`AllFirst Visa
`Discover
`
`
`Bank of America bankcard
`Cancel
`
`PIN-9
`Accounté
`
`
`
`Figure 53
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 54 of 63
`
`US 2004/0107170 A1
`
`Physical Goods Purchase II,‘ example _63_0
`
`Purchase Order Acquisition 632
`
`KWIK-Mart
`
`-
`
`'
`
`Your total is $13.65
`
`'
`
`When you are ready to pay;
`PRESS the PAY button on
`
`your device
`
`.6
`
`'
`
`R E
`
`QueSt 634
`
`AUTHorization 636
`
`Figure 54
`
`Cancel
`
`U P T D
`Ifyou want to pay $13.65
`to KWIK Mart
`
`on Mon, Sept. 8, 2003, 3:54 PM
`enter PIN and select Continue
`
`1 2 3 4
`Continue
`Cancel
`
`A
`
`‘
`
`.
`
`U‘P T D
`
`Select one of your accounts to
`authorize the payment
`
`m D
`
`iem
`Bank of America bankcard
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 55 of 63
`
`US 2004/0107170 A1
`
`Service PurchaSe 1,
`
`example @333
`
`,
`
`Purchase Order Acquisition 640
`
`102
`
`,
`
`REQuest 642
`
`.'
`.
`_
`AUTHonzation 644
`‘
`
`Figure 55
`
`, P
`
`ParEMOVie Theater
`
`I.
`
`Park Movie Theater
`
`'V
`
`
`
`Your total is $12.00
`
`When you are ready to pay,
`RESS the PAY button on
`
`your device
`
`.
`
`U P T 1)
`If you want to pay $12.00
`to Park Movie Theater
`
`on Mon, Sept. 1,2003, 6:04 PM
`enter PIN and select continue
`1 2 3 4
`Continue
`Cancel
`
`Cancel
`
`UPTD
`Selectpne ofyour accounts to
`authorize the payment
`$111M
`Discover
`Bank of America bankcard
`
`‘
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 56 of 63
`
`US 2004/0107170 A1
`
`Service Purchase I — token
`
`verification and
`
`consumption, example 65—_
`
`Park Movie Theater
`
`Press the SUBMIT button on
`
`your UPTD to present your ticket
`
`
`on Mon, Sept. 1, 2003
`
`.
`Park Mov1e Theater
`
`‘3
`
`We have confirmed admission
`for 2 adults
`for Jaws
`at 7:00PM
`
`Token Consumption 652
`
`Service Granted 654
`
`Figure 56
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 57 of 63
`
`US 2004/0107170 A1
`
`
` Transaction
`
`
`Processing
`1 l 16
`
`
`
` AVP 1106
`
` Transaction
`Channel
`
`
`1 1 1 3
`
`
`
`
`Agreement
`Verification
`
`
`
` API 1101
`1112
`
`APViewl
`1110
`Agreement
`
`
`Authentication
`
`
`1118
`
`
`
`
`Agreement
`
`
`View Gathering
`Channel
`
`
`1 108
`1103
`
`
`
`
` AP21102
`
`I User and
`
`
`AP View 2
`
`Device
`1120
`
`
`Database
`
`
`1 1 14
`
`
`
`Figure 57
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 58 0f 63
`
`US 2004/0107170 A1
`
`1200
`
`.1230 1232
`
`Pscudorandom
`Number
`Generatnr
`
`
`
`
`
`
`
`
`
`7’,’/’{’4 74’.”/’.’
`
`.gyfiyi “gr/I
`V JqI/II/IW
`</ I z ’4’
`V ’{f’fl’V/fé’fi’féfl
`{II/W mtg/{I
`
`
`
`
`
`
`//’//‘//M ’I/////)
`\
`
`
`
`;////’//J ‘r'fr/l/f
`
`
`
`
`
`
`Digest
`Algorithm 258
`
`
`
`Figure 58
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 59 0f 63
`
`US 2004/0107170 A1
`
`1300
`
`1310
`
`
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 60 0f 63
`
`US 2004/0107170 A1
`
`
`1433
`1432
`1430
`<((((CI(CC1“<((‘G(¢((‘11((‘Q’
`
`
`
`
`$7914 36””5 WWI/9 W19 WWI/{4’9
`9/1/4147,
`.
`.
`
`
`
`
`:2‘29 fl ”9;: {OW/9’;
`i
`'
`«951%;
`I/zfi‘ :W’II
`
`[91/94 9/9}; 79/92/74
`é/l/m 9/792
`..
`
`
`
`. Pseudorandom
`
`Number
`
`Generator
`
`B4
`
`
`
`Digest
`
`Algorithm
`
`1446
`
`140
`
`Received
`AP View1_
`
`1 1 10
`
`Decryptcd
`AP View1
`
`Decrypted
`AP Viewzr
`
`1460
`
`
` Decryption
`Algorithm
`
`Number
`Generator
`
`
`Received ,
`
`,
`
`,
`
`AP Wm: WM *9/21
`
`
`;.:; 99%
`»
`t
`1
`c
`{fl/’6::2 /Il
`
`1120
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 61 0f 63
`
`US 2004/0107170 A1
`
`1500
`
`
` AVP 1506
`
` Agreement
`
`Verification
`
`1 5 12
`
`
`Agreement
`Authentication
`
` Agreement
`1-5 10
`
`Channel
`
`
`
`1503 .
`
`
`User and
`Device
`
`
`Database
`
`15 14
`
`Local Agreement
`Channel 1505
`
`
`
`
`
`
`
`Figure 61'
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 62 0f 63
`
`US 2004/0107170 A1
`
`Institutions
`
`
`Financial
`I
`
`
`WLAN Access
`Points
`
`1 6067
`Merchant
`
`Transaction
`
`Sewer
` ‘WLAN Service
`
`
`Area
`1 614
`
`
`Figure 62 ‘
`
`

`

`Patent Application Publication
`
`Jun. 3, 2004 Sheet 63 0f 63
`
`US 2004/0107170 A1
`
`180
`
`1301
`
`1802
`
`
`1808
`1810 1-812 1814 '
`
`1804
`
`Token
`1821
`
`
`'///////////////////////////////////////////////7/,’W” .2. .... ..
`-1Im mum DE:
`1824 /’//////////////////////////,/c/////
`1822
`
`
`Figure 63
`
`

`

`US 2004/0107170 A1
`
`Jun. 3, 2004
`
`APPARATUSES FOR PURCHASING OF GOODS
`AND SERVICES
`
`CROSS-REFERENCE TO RELATED
`APPLICATIONS
`
`[0001] This application is related to, and claims the benefit
`of priority to, Provisional Application U.S. Serial No.
`60/401,807, Attorney Docket No. 1634.1002P, entitled
`METHODS AND APPARATUSES FOR SECURE MULTI—
`
`PARTY FINANCIAL TRANSACTIONS (A UNIVERSAL
`PERVASIVE TRANSACTION FRAMEWORK), by Yannis
`Labrou, Lusheng Ji, and Jonathan Agre, filed Aug. 8, 2002
`in the US Patent and Trademark Office,
`the contents of
`which are incorporated herein by reference.
`
`[0002] This application is related to US. Ser. No. 10/458,
`205, Attorney Docket No. 16341003, entitled SECURITY
`FRAMEWORK AND PROTOCOL FOR UNIVERSAL
`
`PERVASIVE TRANSACTIONS, by Yannis Labrou, Lush-
`eng Ji, and Jonathan Agre, filed Jun. 11, 2003 in the US.
`Patent and Trademark Ollice,
`the contents of which are
`incorporated herein by reference.
`
`[0003] This application is related to US. patent applica-
`
`tion No.
`, Attorney Docket No. 1634.1002, entitled
`METHODS FOR PURCHASING OF GOODS AND SER-
`
`VICES, by Yannis Labrou, Lusheng Ji, and Jonathan Agre,
`filed Jul. 29, 2003 in the US. Patent and Trademark Office,
`the contents of which are incorporated herein by reference.
`
`[0004] This application is related to US. patent applica-
`
`tion No.
`, Attorney Docket No. 16341005, entitled
`FRAMEWORK AND SYSTEM FOR PURCHASING OF
`
`GOODS AND SERVICES, by Yannis Labrou, Lusheng Ji,
`and Jonathan Agre, filed Jul. 29, 2003 in the US. Patent and
`Trademark Office, the contents of which are incorporated
`herein by reference.
`
`BACKGROUND OF THE INVENTION
`
`[0005]
`
`1. Field of the Invention
`
`[0006] The present invention relates generally to the fields
`of financial transactions, security and methods for purchas-
`ing goods and services, and a framework thereof. More
`particularly,
`the present
`invention relates to a computer-
`implemented system, methods and processes, and a frame-
`work enabling consumers to purchase goods and services,
`primarily at the locations where the goods and services are
`offered, more securely,
`faster and more efficiently than
`current methods.
`
`[0007]
`
`2. Description of the Related Art
`
`[0008] To date, E-commerce (electronic commerce) for
`consumers (or business-to-consumer, B2C, transactions) is
`essentially a personal computer-mediated process. The typi-
`cal consumer that wants to purchase a good or service
`though an e-commerce transaction (“buying on the web”)
`has to go through the following steps:
`
`[0009]
`
`Buy or own a personal computer (PC);
`
`[0010]
`
`Be physically present at the computer;
`
`[0011]
`
`Have network access;
`
`[0012]
`
`Turn on the computer;
`
`[0013] Log on to the computer and/or to the network;
`
`[0014] Open a web browser;
`
`Identify, find and visit the particular website that
`[0015]
`offers the good or service of interest;
`
`[0016] Find the correct item or service on that website and
`then add it to a “shopping cart”;
`
`[0017] Provide the identity information, which might
`include