Abstract: A method and system for making payments from a vehicle using onboard wireless communication systems. A Near Field Communication (NFC) reader is placed a vehicle, such that a customer can pass an NFC-enabled phone or credit card near the reader to provide a source of funding for a purchase. A Dedicated Short Range Communications (DSRC) radio onboard the vehicle communicates with a seller of products or services, such as a fast food restaurant, a parking garage, or a toll booth. The seller communicates to the vehicle the amount of a pending payment, the customer approves the payment within the vehicle, and the vehicle sends the authorization to the seller. The entire transaction is handled wirelessly, without the customer having to leave the vehicle or roll down a window. Pre-approval accounts can also be established for certain types of payments, thus making those payment transactions automatic.

Abstract: Techniques for funding an electronic purse (e-purse) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct transactions over an open network with a payment server without compromising security. In one embodiment, a device is loaded with an e-purse manager. The e-purse manager is configured to manage various transactions and functions as a mechanism to access an e-purse therein. The e-purse is funded by interactions among the e-purse manager, a payment server and a financial institution (its server) that maintains an account therefor.

Abstract: Techniques for portable devices functioning as an electronic purse (e-purse) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct transactions over an open network with a payment server without compromising security. In one embodiment, a device is loaded with an e-purse manager. The e-purse manager is configured to manage various transactions and functions as a mechanism to access an emulator therein. The transactions may be conducted over a wired network or a wireless network. A three-tier security model is contemplated to support the security of the transactions from the e-purse. The three-tier security model includes a physical security, an e-purse security and a card manager security, concentrically encapsulating one with another. Security keys (either symmetric or asymmetric) are personalized within the three-tier security model.