System and device for consolidating SIM, personal token, and associated applications for selecting a transaction settlement entity
US9544303B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | Dec 30, 2010 |
| Grant date | Jan 10, 2017 |
| Priority date | — |
| Expiry date | Dec 30, 2030 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/326
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.