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    • 39. 发明申请
    • Method and System for Electronic Wallet Access
    • 电子钱包存取方法与系统
    • US20130060618A1
    • 2013-03-07
    • US13225898
    • 2011-09-06
    • Loren BartonEric CrozierGlenn Curtiss McMillenDavid A. CrakeJohn BauerGarry R. LloydChristine Ann Schuetz
    • Loren BartonEric CrozierGlenn Curtiss McMillenDavid A. CrakeJohn BauerGarry R. LloydChristine Ann Schuetz
    • G06Q30/06G06Q30/02
    • G06Q20/3223G06Q20/3674
    • A mobile payment system is described that facilitates efficient and secured payment transactions from an electronic wallet on a user portable electronic device with a merchant point of sale terminal over a communication link. In one aspect, a mobile device is configured for transaction operations from a plurality of mobile transaction accounts in an electronic wallet. The mobile device includes a plurality of transaction modules operable to process transaction operations with a respective mobile transaction account, each transaction module configured for transaction operations to be completed after an authentication process using a central authentication module coupled to the plurality of transaction modules, operable to verify a user input passcode and to respond to authentication requests from the plurality of transaction module after the user input passcode is verified. Preferably, at least one of the transaction modules is configured for contactless transaction operations over a contactless communication link.
    • 描述了一种移动支付系统,其便利于通过通信链路具有商户销售点终端的用户便携式电子设备上的电子钱包的有效和安全的支付交易。 在一个方面,移动设备被配置用于从电子钱包中的多个移动交易账户进行交易操作。 移动设备包括可操作以用相应的移动交易帐户处理交易操作的多个交易模块,每个交易模块被配置用于在使用耦合到多个交易模块的中央认证模块的认证过程之后完成交易操作, 验证用户输入密码并在用户输入密码被验证之后响应来自多个交易模块的认证请求。 优选地,交易模块中的至少一个被配置用于通过非接触式通信链路进行非接触式交易操作。