I lllll llllllll II llllll lllll lllll lllll lllll lllll lllll lllll 111111111111111111111111111111111
`
`US 20100138518Al
`
`c19) United States
`c12) Patent Application Publication
`Aiglstorf er et al.
`
`c10) Pub. No.: US 2010/0138518 Al
`Jun. 3, 2010
`(43) Pub. Date:
`
`(54)
`
`METHOD AND SYSTEM FOR
`DOWNLOADING INFORMATION INTO A
`SECURE ELEMENT OF AN ELECTRONIC
`DEVICE
`
`(75)
`
`Inventors:
`
`Rodney Aiglstorfer, Corte Madera,
`CA (US); Benjamin Vigier, San
`Francisco, CA (US)
`
`Correspondence Address:
`MURABITO, HAO & BARNES, LLP
`TWO NORTH MARKET STREET, THIRD
`FLOOR
`SAN JOSE, CA 95113 (US)
`
`(73) Assignee:
`
`MFOUNDRY, Sausalito, CA (US)
`
`(21) Appl. No.:
`
`12/621,319
`
`(22) Filed:
`
`Nov.18, 2009
`
`Related U.S. Application Data
`
`(60) Provisional application No. 61/117,520, filed on Nov.
`24, 2008.
`
`Publication Classification
`
`(51)
`
`(52)
`(57)
`
`Int. Cl.
`(2006.01)
`G06F 15116
`(2006.01)
`G06Q 30100
`(2006.01)
`G06Q 20100
`(2006.01)
`G06Q 50100
`(2006.01)
`G06F 31048
`U.S. Cl. ............................ 709/219; 705/26; 715/810
`ABSTRACT
`
`A method for downloading information from a remote server.
`The method includes receiving, at a portable device, banking
`card information for an account and storing the banking card
`information into a secure memory within the portable device.
`Responsive to the receiving, a first moblet software module
`automatically sends a wireless message to the remote server
`to inform the remote server of the banking card information
`being received at the portable device. The portable device
`may receive a second moblet software module associated
`with the banking card information. The portable device may
`subsequently execute the second moblet software module
`which utilizes the banking card information, wherein the first
`and second moblet software modules comprise device inde(cid:173)
`pendent commands of a generic syntax and wherein further
`the commands are executed by a device dependent software
`module also resident on the portable device.
`
`RESPONSIVE TO JI USER REQUEST, THE PORTABLE DEVICE SENDING .II MESSJ!GE
`TO J! REMOTE SERVER TO DOWNLOAD J! FIRST MOBLET SOFTW.llRE MODULE
`710
`
`THE PORTJ!BLE DEVICE RECEMNG FROM THE REMOTE SERVER JI DEVICE
`DEPENDENT SOFTW.llRE MODULE
`Yl2
`
`THE PORTABLE DEVICE RECEMNG FROM THE REMOTE SERVER THE FIRST
`MOBLET SOFTWARE MODULE
`714
`
`THE PORTABLE DEVICE EXECUTING THE FIRST MOBLET SOFTWARE MODULE USING
`THE DEVICE DEPENDENT SOF'l'Wl!RE MODULE
`716
`
`RECEIVING CARD INFORMJ!TJON FOR ll FIRST ACCOUNT J!ND STORING THE CARD
`INFORMATION IN J! SECURE MEMORY
`118
`
`THE FIRST MOBLET SOFTWARE MODULE AUTOMl!T!CllLLY SENDING ll WIRELESS
`MESSJ!GE TO THE REMOTE SERVER TO INFORM THE REMOTE SERVER or THE
`CARD INFORMJ!TION BEING RECEIVED AT THE PORTJ!BLE DEVICE
`720
`
`THE PORTABLE DEVICE RECEIVING J! SECOND MOBLET SOFTWARE MODULE
`J!SSOCIJ!TED WITH THE Cl!RD INFORMJ!TION
`722
`
`THE PORTABLE DEVICE EXECUTING THE SECOND MOBLET SOFTWARE MODULE
`724
`
`Apple Ex. 1004, p. 1
`Apple v. Fintiv
`IPR2020-00019
`
`

`

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`FIGURE 1
`
`113
`
`1l. sei:Oitd banking card
`
`information
`
`llil
`
`104
`
`REMOVABLE SECURITY ELEMENT
`
`I
`
`information
`banking car
`
`1l. first
`
`105
`
`11. second bankmg card mformatlon
`.
`MANAGER (TSM}
`.II. first banking card infonnation~ TRUSTED SERVICE
`
`.
`
`113
`. 105
`
`120
`
`-
`
`1··--··-···-···· .. ·--·--·---·---··-···· r ........ c:
`TRUSTED SECURE AGENT (TSA}:·-·--···· ~
`
`l
`
`102
`
`1
`t----i-+----Notification ----
`
`Second Moblet Software Module
`
`(_ ..... --··-........ ~-~.! ........ / t_ ..... ·-·· ........ := ... /
`......... MODULE I /
`112 I
`) SOFTWARE
`.-~---·····,/ MODULE(.
`-...
`....-
`_.. ; SOFTWARE
`(_ .. SECOND MOBLET····-··\~HIRD MOBLET ) I
`--1' ----~-·-··· .. [' -
`i
`r--··-·-·
`I
`r· .. ···-----------·-····--·····-··-····-·····_J
`!
`!
`FffiST MOBLET SOFTWARE MODULE r·-···1
`
`"·----··· ...... _
`"·
`
`:•••'.l
`:
`
`r····H "'"'-•······--....... -..
`
`106
`
`-
`
`Notification
`
`115
`
`Notification
`
`107
`
`l I
`i I
`I
`I
`I
`
`I
`I
`I
`l
`I
`
`1
`
`130
`
`REMOTE SERVER
`
`119
`
`Third Moblet Software Module
`
`Notificat10n ----
`
`117
`.111 .
`109
`
`~
`Request for a First Moblet Software Module
`
`First Moblet Software Module
`
`103
`
`--~--~=====----101
`
`.------t----1-:....__-----:::-=---------,
`115
`
`r-----
`
`MOJ.11.X ENVIRONMENT
`
`Apple Ex. 1004, p. 2
`Apple v. Fintiv
`IPR2020-00019
`
`

`

`.... 0 =
`.... 0 = ""O = O" -....
`~ 'e -....
`('D = .....
`~ .....
`""O
`
`~ .....
`
`(')
`
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`
`(')
`
`J1s 7o//
`lfot.iljr:ill"
`
`ef0J OQ
`ll'otifjr:ilti
`
`230
`
`REMOTE SERVER
`
`Not1ficat10n ---..i
`
`Notification---~
`
`209
`
`Second Moblet Software Module
`
`217
`.211 .
`
`Third Moblet Software Module
`
`219
`
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`....
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`0 ..._
`0 ....
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`1J1
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`....
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`
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`('D
`
`FIGURE 2
`
`220
`
`MANAGER (TSM)
`TRUSTED SERVICE
`
`0 ....
`
`N
`
`0
`
`~
`
`:=
`2'
`
`(.H
`
`First Mohlet Software Module__,,.._
`
`203
`
`Request for a Fint Moblet Software Module
`
`------'----_:=------201
`
`MOJAX ENVIRONMENT
`200
`
`---1-ll second banking card information
`
`11 first hanking card information
`
`1
`
`1 ..
`
`213
`205
`
`210
`
`L----------
`
`NON-REMOVABLE SECURITY ELEMENT
`
`202
`
`L-------------------~·---····•••••••••••••••-,,_.,. ................................. ~-:
`
`i ) s~::E (,_/ (~i_ ~
`I \sf:O~~~;~;;',;
`-J -----1-.. ---!
`i I
`r-·------------1 -:: i
`i I
`l
`:
`l J
`i
`I : FffiST MOBLET SOFTWARE MODULE r--I -i
`i
`I _ i
`i I
`:
`i
`11-----1-----1 i
`I r-----------------------==--::::::::-:--------------------------------: I
`.~ -=-========-
`j
`
`·-...... -···
`!
`!
`.. ....-
`l
`) SOFTWARE _............. i
`\ THIRD MOBLET
`_; l
`········· ..... :
`c·····
`
`···········=······/
`/
`MODULE !
`
`208
`
`....
`
`(
`
`I
`
`i
`
`··-·--=-··_....
`/
`/
`
`i
`1
`i
`i ·-···
`i ( ..... --·-... 206
`l ;"/
`
`-
`
`-
`
`:
`i
`
`[
`
`I
`
`I
`
`!
`r--------------·····----------------------...... ,
`!
`j
`
`-
`
`204
`
`Apple Ex. 1004, p. 3
`Apple v. Fintiv
`IPR2020-00019
`
`

`

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`
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`~ = :=
`0 =
`(') a ....
`
`(') a .... 0 = ""O = O" -....
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`""O a ('D = .....
`
`FIGURE 3
`
`-------------------------------------------=-=-~
`~I
`
`~t ..
`
`310
`
`STORAGE DEVICE
`
`~t .,
`
`302
`BUS
`
`308
`
`ROM
`
`~t
`
`306
`
`MAIN MEMORY
`
`ill
`
`COMMUNICATION
`
`INTERFACE
`
`~t
`
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`
`304
`
`PROCESSOR
`
`~t
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`I
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`312
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`
`I
`I
`I
`J
`r
`I
`I
`I
`r
`I
`I
`I
`I
`I
`1
`
`1----------------------------------------------
`
`Apple Ex. 1004, p. 4
`Apple v. Fintiv
`IPR2020-00019
`
`

`

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`FIGURE 4
`
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`
`Apple Ex. 1004, p. 5
`Apple v. Fintiv
`IPR2020-00019
`
`

`

`Patent Application Publication
`
`Jun. 3, 2010 Sheet 5 of 10
`
`US 2010/0138518 Al
`
`<(
`l.!)
`
`w cc
`:::>
`CJ
`LL
`
`Apple Ex. 1004, p. 6
`Apple v. Fintiv
`IPR2020-00019
`
`

`

`Patent Application Publication
`
`Jun. 3, 2010 Sheet 6 of 10
`
`US 2010/0138518 Al
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`Apple Ex. 1004, p. 7
`Apple v. Fintiv
`IPR2020-00019
`
`

`

`Patent Application Publication
`
`Jun. 3, 2010 Sheet 7 of 10
`
`US 2010/0138518 Al
`
`Apple Ex. 1004, p. 8
`Apple v. Fintiv
`IPR2020-00019
`
`

`

`Patent Application Publication
`
`Jun. 3, 2010 Sheet 8 of 10
`
`US 2010/0138518 Al
`
`0
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`
`Apple Ex. 1004, p. 9
`Apple v. Fintiv
`IPR2020-00019
`
`

`

`Patent Application Publication
`
`Jun. 3, 2010 Sheet 9 of 10
`
`US 2010/0138518 Al
`
`RESPONSIVE TO 11. USER REQUEST, THE PORTABLE DEVICE SENDING A MESSAGE
`TO 1l. REMOTE SERVER TO DOWNLO.ll.D 1l FIRST MOBLET SOFTWARE MODULE
`
`THE PORTllBLE DEVICE RECEIVING FROM THE REMOTE SERVER A DEVICE
`DEPENDENT SOFTWARE MODULE
`712
`
`THE PORTABLE DEVICE RECEIVING FROM THE REMOTE SERVER THE FIRST
`MOBLET SOFTWARE MODULE
`714
`
`THE PORTll.BLE DEVICE EXECUTING THE FIRST MOBLET SOFTWARE MODULE USING
`THE DEVICE DEPENDENT SOFTWARE MODULE
`
`710 •
`'
`'
`716 •
`ill •
`720 •
`'
`' 8
`
`RECEIVING Cll.RD INFORMATION FOR 1l. FIRST 11.CCOUNT llND STORING THE Cll.RD
`INFORMll.TION IN A SECURE MEMORY
`
`THE FIRST MOBLET SOFTW.ll.RE MODULE 11.UTOMATICALLY SENDING .Ii WIRELESS
`MESS.ll.GE TO THE REMOTE SERVER TO INFORM THE REMOTE SERVER OF THE
`Cll.RD INFORMATION BEING RECEIVED 11.T THE PORT.ll.BLE DEVICE
`
`THE PORTABLE DEVICE RECEIVING 1l SECOND MOBLET SOFTWARE MODULE
`11.SSOCill.TED WITH THE CARD INFORMATION
`722
`
`THE PORTABLE DEVICE EXECUTING THE SECOND MOBLET SOFTWARE MODULE
`724
`
`FIGURE 7A
`
`Apple Ex. 1004, p. 10
`Apple v. Fintiv
`IPR2020-00019
`
`

`

`Patent Application Publication
`
`Jun. 3, 2010 Sheet 10 of 10
`
`US 2010/0138518 Al
`
`RECEIVING CliRD INFORMliTION FOR A SECOND ACCOUNT AND STORING THE Cll.RD
`INFORMliTION FOR THE SECOND 11.CCOUNT IN 11. SECURE MEMORY
`
`THE FIRST MOBLET SOFTWll.RE MODULE AUTOMATICALLY SENDING 11. WIRELESS
`MESSAGE TO THE REMOTE SERVER TO INFORM THE REMOTE SERVER THAT THE
`Cll.RD INFORMll.TION FOR THE SECOND ACCOUNT IS BEING RECEIVED ll.T THE
`PORTABLE DEVICE
`
`•
`726 •
`
`728 •
`730 •
`•
`
`THE PORTABLE DEVICE RECEIVING A THIRD MOBLET SOFTWil.RE MODULE
`11.SSOCill.TED WITH THE Cll.RD INFORMll.TION FOR THE SECOND ACCOUNT
`
`THE PORTABLE DEVICE EXECUTING THE THffiD MOBLET SOFTW.liRE MODULE
`732
`
`DISPLAYING GRliPHICll.L ICONS OF THE SECOND AND THE THIRD MOBLET
`SOFTWARE MODULES ON A DISPLAY
`734
`
`FIGURE ?B
`
`Apple Ex. 1004, p. 11
`Apple v. Fintiv
`IPR2020-00019
`
`

`

`US 2010/0138518 Al
`
`Jun. 3, 2010
`
`1
`
`METHOD AND SYSTEM FOR
`DOWNLOADING INFORMATION INTO A
`SECURE ELEMENT OF AN ELECTRONIC
`DEVICE
`
`RELATED APPLICATIONS
`
`[0001] This application claims the benefit and priority to a
`provisional application
`[0002] No. 61/117,520 with attorney docket No. MFDY(cid:173)
`POOl .PRO, inventorsAiglstorfer et al., entitled "A METHOD
`AND SYSTEM FOR DOWNLOADING INFORMATION
`INTO A SECURE ELEMENT OF AN ELECTRONIC
`DEVICE" that was filed on Nov. 24, 2008. The above-cited
`provisional application is incorporated herein in its entirety.
`[0003] This application is related to a U.S. patent applica(cid:173)
`tion Ser. No. 11/768,139, entitled "Dual Factor Authentica(cid:173)
`tion" that was filed on Jun. 25, 2007 and assigned to the same
`assignee. The U.S. patent application Ser. No. 11/768,139 is
`incorporated herein in its entirety. Moreover, this application
`is related to PCT/US2006/007408, entitled "Systems and
`Methods for Application Program" filed on Mar. 1, 2006 and
`assigned to the same assignee. The PCT/US2006/007408
`application is incorporated herein in its entirety.
`
`TECHNICAL FIELD
`
`[0004] Embodiments of the present invention relate to the
`field of electronics. More particularly, embodiments of the
`present invention relate to downloading information into a
`secure element of an electronic device.
`
`BACKGROUND
`
`[0005]
`In general, personal wallets are not interactive
`items. A wallet may contain credit cards, medical cards, debit
`cards, transit cards, etc. However, one cannot interact with a
`card, e.g., check available balances, deposit money, withdraw
`money, transfer money from one card to another, etc.
`[0006] One conventional method employs an electronic
`device, e.g., laptop, PDA, etc., in order to enable user inter(cid:173)
`action with a specific account. Unfortunately, conventional
`electronic devices require the user to take active steps, e.g.,
`enter username and password, in order to gain access to
`various accounts.
`[0007] Moreover, each card or account is not associated
`with a specific application operating on the electronic device.
`For example, users generally a generic web browser to access
`a card and the account associated with that card. Generally
`financial information associated with each card is not
`installed on the electronic device due to security issues.
`
`SUMMARY
`
`[0008]
`It is advantageous to combine the functionality of a
`conventional card with an electronic device to create an elec(cid:173)
`tronic wallet to enable a user to interact with an account
`associated with the conventional card. In one embodiment,
`the electronic wallet can be used as a credit card in an easy(cid:173)
`to-use fashion while maintaining its functionalities as an elec(cid:173)
`tronic device. It is advantageous and important that the finan(cid:173)
`cial information be installed on the electronic wallet in a
`secure manner that may be transparent to the user. It will
`become apparent to those skilled in the art in view of the
`detailed description of the present invention that the embodi(cid:173)
`ments of the present invention provide the above referenced
`advantages.
`
`[0009] According to one embodiment, the electronic wallet
`implements a method for automatically downloading infor(cid:173)
`mation from a remote server. The electronic wallet may be
`implemented on a cellular phone or other portable electronic
`device.
`[0010] The method includes receiving, at the electronic
`wallet, card information, e.g., banking information associ(cid:173)
`ated with the card, for an account and storing the card infor(cid:173)
`mation into a secure memory within the electronic wallet.
`Responsive to the receiving, a first moblet software module
`automatically sends a wireless message via a wireless net(cid:173)
`work to a remote server to inform the remote server of the card
`information being received at the electronic wallet. The elec(cid:173)
`tronic wallet receives a second mob let software module asso(cid:173)
`ciated with the banking card information. The electronic wal(cid:173)
`let executes the second moblet software module that utilizes
`the card information. According to one embodiment, the first
`and second moblet software modules comprise device inde(cid:173)
`pendent commands of a generic syntax and wherein further
`the commands are executed by a device dependent software
`module also resident on the electronic wallet.
`[0011]
`It is appreciated that according to one embodiment,
`the receiving of the second moblet software module is per(cid:173)
`formed transparently to a user of the electronic wallet. In one
`embodiment, the second mob let software module is received
`wirelessly via a wireless network.
`[0012]
`It is appreciated that responsive to a user request, the
`electronic wallet may send a message to the remote server to
`download the first mo bl et software module. The sent message
`may indicate a device type of the electronic wallet. Accord(cid:173)
`ingly, the electronic wallet receives from the remote server
`the device dependent software module via a wireless net(cid:173)
`work. Moreover, the electronic wallet receives from the
`remote server the first mo bl et software module via a wireless
`network. Accordingly, the electronic wallet executes the first
`mo bl et software module using the device dependent software
`module. According to one embodiment, the first and the sec(cid:173)
`ond moblet software modules are written using MOJAX com(cid:173)
`mands.
`[0013] According to one embodiment, the electronic wallet
`may receive card information, e.g., banking information,
`associated with a second account and storing the card infor(cid:173)
`mation for the second account into the secure memory within
`the electronic wallet. Responsive to the receiving, the first
`moblet software module may automatically send a wireless
`message, via a wireless network, to the remote server to
`inform the remote server of the card information for the
`second account being received at the electronic wallet. The
`electronic wallet further receives a third moblet software
`module associated with the banking card information for the
`second account. The electronic wallet may execute the third
`moblet software module that utilizes the card information for
`the second account. In one embodiment of the present inven(cid:173)
`tion the third mob let software module comprises device inde(cid:173)
`pendent commands of the generic syntax and wherein further
`the commands are executed by the device dependent software
`module.
`[0014] According to one embodiment of the present inven(cid:173)
`tion, the electronic wallet may display graphical icons of the
`second and third mo bl et software modules on a display of the
`electronic wallet. As such, the graphical user interface (GUI)
`allows user selection of the second and third mob let software
`
`Apple Ex. 1004, p. 12
`Apple v. Fintiv
`IPR2020-00019
`
`

`

`US 2010/0138518 Al
`
`Jun. 3, 2010
`
`2
`
`modules. It is appreciated thatthe second and the thirdmoblet
`software modules may be controlled by operations of the first
`moblet software module.
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`[OOlS] Embodiments of the present invention are illus(cid:173)
`trated by way of example, and not by way oflimitation, in the
`figures of the accompanying drawings and in which like ref(cid:173)
`erence numerals refer to similar elements and in which:
`[ 0016] FIG. 1 shows an exemplary system for downloading
`information to an electronic wallet comprising a removable
`security element in accordance with one embodiment of the
`present invention.
`[0017] FIG. 2 shows an exemplary system for downloading
`information to an electronic wallet comprising a non-remov(cid:173)
`able security element in accordance with one embodiment of
`the present invention.
`[0018] FIG. 3 illustrates a general purpose computer sys(cid:173)
`tem that may serve as a platform for embodiments of the
`present invention.
`[0019] FIG. 4 shows a MOJAX enabled wallet component
`architecture in accordance with one embodiment of the
`present invention.
`[0020] FIGS. SA-SD show an exemplary embedded card
`personalization in accordance with one embodiment of the
`present invention.
`[0021] FIGS. 6A-6D show externalized card personaliza(cid:173)
`tion in accordance with one embodiment of the present inven(cid:173)
`tion.
`[0022] FIGS. 7 A and 7B show an exemplary flow diagram
`for downloading information into a secure element in accor(cid:173)
`dance with one embodiment of the present invention.
`
`DETAILED DESCRIPTION
`
`[0023] Reference will now be made in detail to embodi(cid:173)
`ments of the present invention, examples of which are illus(cid:173)
`trated in the accompanying drawings. While the invention
`will be described in conjunction with these embodiments, it
`will be understood that they are not intended to limit the
`invention to these embodiments. On the contrary, the inven(cid:173)
`tion is intended to cover alternatives, modifications and
`equivalents, which may be included within the spirit and
`scope of the invention as defined by the appended claims.
`Furthermore, in the following detailed description of the
`present invention, numerous specific details are set forth in
`order to provide a thorough understanding of the present
`invention. However, it will be evident to one of ordinary skill
`in the art that the present invention may be practiced without
`these specific details. In other instances, well known meth(cid:173)
`ods, procedures, components, and circuits have not been
`described in detail as not to unnecessarily obscure aspects of
`the invention.
`
`Notation and Nomenclature
`
`[0024] Some portions of the detailed descriptions which
`follow are presented in terms of procedures, steps, logic
`blocks, processing, and other symbolic representations of
`operations on data bits that can be performed on television set
`memory. These descriptions and representations are the
`means used by those skilled in the art to most effectively
`convey the substance of their work to others skilled in the art.
`A procedure, television set executed step, logic block, pro(cid:173)
`cess, etc., is here, and generally, conceived to be a self-
`
`consistent sequence of steps or instructions leading to a
`desired result. The steps are those requiring physical manipu(cid:173)
`lations of physical quantities.
`[002S] Usually, though not necessarily, these quantities
`take the form of electrical or magnetic signals capable of
`being stored, transferred, combined, compared, and other(cid:173)
`wise manipulated in a computer system. It has proven conve(cid:173)
`nient at times, principally for reasons of common usage, to
`refer to these signals as bits, values, elements, symbols, char(cid:173)
`acters, terms, numbers, or the like.
`[0026]
`It should be borne in mind, however, that all of these
`and similar terms are to be associated with the appropriate
`physical quantities and are merely convenient labels applied
`to these quantities. Unless specifically stated otherwise as
`apparent from the following discussions, it is appreciated that
`throughout the present invention, discussions utilizing terms
`such as "processing" or "creating" or "transferring" or
`"executing" or "determining" or "instructing" or "issuing" or
`"halting" or "clearing" or "accessing" or "aggregating" or
`"obtaining" or "selecting" or "calculating" or "measuring" or
`"querying" or "receiving" or "sending" or "providing" or
`"storing" or "displaying" or "rendering" or the like, refer to
`the action and processes of a television set, or similar elec(cid:173)
`tronic computing device, that manipulates and transforms
`data represented as physical (electronic) quantities within the
`television set's registers and memories into other data simi(cid:173)
`larly represented as physical quantities within the television
`set memories or registers or other such information storage,
`transmission or display devices.
`
`A Method and System for Downloading Information
`into a Secure Element of an Electronic Device
`
`[0027] Referring now to FIG. 1, an exemplary system 100
`for downloading information to an electronic wallet compris(cid:173)
`ing a removable security element in accordance with one
`embodiment of the present invention is shown. The system
`100 includes an electronic device 110 which may be any
`portable electronic device, e.g., an electronic wallet, a cellular
`phone, a personal digital assistant (PDA), etc., a trusted ser(cid:173)
`vice manager (TSM) 120 and a remote server 130.
`[0028] The electronic device 110 may be a portable elec(cid:173)
`tronic device that can be used to pay for purchases on the go,
`similar to the use of a credit card in a conventional fashion.
`The electronic device 110 utilizes a graphical user interface
`(GUI) to enable a user friendly interaction associated with
`payments and financial information, for instance.
`[0029] The TSM 120 is a trusted entity in charge of sending
`secure information, e.g., financial information, regarding a
`specific user to the electronic device 110. The TSM 120 may
`verify and authenticate the user with regard to a particular
`bank or financial institution. For example, the identity of a
`user with a Bank of America account may be verified and
`authenticated. It is appreciated that although embodiments
`herein are described with respect to banking information and
`bank accounts, the information may be related to any card,
`e.g., a reward card, a movie rental card, a gas card, a coffee
`shop card, a stored value card, a loyalty card, etc. As such, the
`use of banking information is exemplary and not intended to
`limit the scope of the present invention. After verification of
`the user identity and authentication of the user, the TSM 120
`may transmit the banking information regarding the Bank of
`America account (for instance) to the electronic device 110.
`[0030] The remote server 130 may provide various appli(cid:173)
`cations to the electronic device 110. For example, the remote
`
`Apple Ex. 1004, p. 13
`Apple v. Fintiv
`IPR2020-00019
`
`

`

`US 2010/0138518 Al
`
`Jun. 3, 2010
`
`3
`
`server 130 may provide a first moblet software module 106
`operable on the electronic device 110 that may in tum manage
`additional moblet software modules. It is appreciated that
`moblet software modules are operable in a MOJAX environ(cid:173)
`ment operating on a device. According to one embodiment,
`MOJAX is device specific while moblet software modules
`operating within the MO JAX environment are device generic.
`[0031]
`It is appreciated that the first moblet software mod(cid:173)
`ule 106 may be installed during manufacturing of the elec(cid:173)
`tronic device 110. Alternatively, the first moblet software
`module 106 may be requested 101 from the remote server 130
`and subsequently downloaded. The request 101 may indicate
`a device type of the electronic device 110. In response to the
`request 101, the remote server 130 may transmit 103 the first
`moblet software module 106 to the electronic device 110.
`Furthermore, responsive to the request 101, the remote server
`130 may also transmit 103 a device dependent software, e.g.,
`MOJAX environment, to the electronic wallet. It is appreci(cid:173)
`ated that in one embodiment the device dependent software
`may be installed during manufacturing of the electronic
`device 110.
`[0032] The first mob let software module 106 is installed on
`the electronic device 110 and becomes operable on the elec(cid:173)
`tronic device 110. The first moblet software module 106 may
`manage additional mob let software modules. It is appreciated
`that the first moblet software module 106 may be operating
`within the electronic wallet environment. For example, the
`electronic wallet environment may have a corresponding
`graphical element icon. Upon a user selection of the elec(cid:173)
`tronic wallet environment, additional graphical element icons
`associated with moblet software modules may be displayed.
`The displayed moblet software modules may be executed
`upon selection thereof.
`[0033]
`It is appreciated that moblet software modules may
`be self contained applications. It is further appreciated that
`one mo bl et software module may be executed at a time except
`for the first moblet software module 106 that manages other
`moblet software modules. For example, the first moblet soft(cid:173)
`ware module 106 may cause one moblet software module to
`pass control from one moblet software module to another
`moblet software module. It is also appreciated that moblet
`software modules may be modified, controlled, removed and
`blocked by the first moblet software module 106. Each mob(cid:173)
`let software module may have its own corresponding cache
`for securing data within each mo bl et software module. A new
`moblet software module may be automatically downloaded
`to the electronic device 110 when one moblet software mod(cid:173)
`ule makes a call to a moblet software module that does not
`reside within the electronic device 110.
`[0034] The TSM 120 may transmit a first banking card
`information 105 to a trusted secure agent (TSA) 102 that
`resides on the electronic device 110. The first banking card
`information 105 may be transmitted when the identity of the
`user corresponding to the first banking card information is
`verified and authenticated. For example, if a user has a Bank
`of America account and the identity of the user is verified and
`authenticated, then the banking card information associated
`with the Bank of America account of the user may be trans(cid:173)
`mitted to the electronic device 110.
`In the electronic device 110 with a removable secu(cid:173)
`[0035]
`rity element 104, the TSA 102 acts as a communication gate(cid:173)
`way between the TSM 120 and the electronic device 110. The
`removable security element 104 may be a subscriber identity
`module (SIM) card. The removable security element 104 may
`
`be equipped with near field communication (NFC) technol(cid:173)
`ogy. It is appreciated that the TSA 102 may be a plug-in
`software module.
`[0036] The TSA 102 stores the first banking card informa(cid:173)
`tion 105 in the removable security element 104 in response to
`receiving the first banking card information 105. The TSA
`102 may also notify 107 the firstmoblet software module 106
`that the first banking card information has been received and
`is stored in the removable security element 104. The first
`moblet software module 106 may in tum notify 109 the
`remote server 130.
`[0037] The remote server 130, in response to the notifica(cid:173)
`tion 109, automatically transmits llla second moblet soft(cid:173)
`ware module to the first moblet software module 106. It is
`appreciated that the second moblet software module may be
`an application related to the first banking card information
`105. The first moblet software module 106 may receive and
`install the second moblet software module 108 on the elec(cid:173)
`tronic device 110. As a result, the first banking card informa(cid:173)
`tion 105 may be used in conjunction with the execution of the
`second moblet software module 108 to enable the user to
`interact with the second mob let software module 108 and the
`first banking card information 105 associated therewith. It is
`appreciated that the second mob let software module 108 may
`be a GUI type application that when executed enables user
`interaction therein to perform banking features.
`[0038] According to one embodiment, the second moblet
`software module 108 may be transmitted wirelessly and
`installed on the electronic device 110 transparent to the user.
`It is appreciated that updates to the second moblet software
`module 108 may be transmitted and installed automatically.
`However, it is appreciated that the second moblet software
`module 108 or any updates thereof may also be received and
`installed on the electronic device 110 responsive to a user
`request.
`[0039]
`It is appreciated that additional banking card infor(cid:173)
`mation and moblet software modules associated therewith
`may be similarly received and installed and messaged by the
`first moblet 106. For example, a second banking card infor(cid:173)
`mation 113 may be transmitted from the TSM 120 to the TSA
`102. The TSA 102 may store the second banking card infor(cid:173)
`mation 113 in the removable security element 104. The TSA
`102 may subsequently automatically notify 115 the first mob(cid:173)
`let software module 106 of the transmission of the second
`banking card information. According to one embodiment, the
`first mob let software module 106 notifies 117 the remote
`server 130 that the second banking card information 113 has
`been received.
`[0040] Responsive to the notification 117, the remote
`server 130 may automatically transmit 119 a third moblet
`software module to the first mo bl et software module 106. The
`first moblet software module 106 may thereafter install and
`store the third moblet software module 112. It is appreciated
`that the third moblet software module 112 may be an appli(cid:173)
`cation related to the second banking card information 113. As
`a result, the second banking card information 113 may be
`used in conjunction with the execution of the third moblet
`software module 112 to enable the user to interact with the
`third moblet software module 112 and the second banking
`card information 113 associated therewith. It is appreciated
`that the third mob let software module 112 may be a GUI type
`application that e