Abstract: A MicroAdapter device enables payment transactions to be effected through a purchaser's personal trusted device (PTD) without relying upon tokens or prepayment cards. In one embodiment, the MicroAdapter includes a transceiver configured to receive a purchase signal from the PTD including order and payment information. In response, the MicroAdapter communicates via wireless telephony with a transaction authorizer to receive authorization for effectuating the purchase transaction. The MicroAdapter may be particularly suited to effectuate micropayment transactions authorized by a Billing On Behalf of Others (BOBO) program administered through a wireless carrier/ISP or third party.
Type:
Grant
Filed:
December 18, 2002
Date of Patent:
October 24, 2006
Assignee:
VIVOtech, Inc.
Inventors:
Mohammad A. Khan, Jorge M. Fernandes, Kerry D. Brown
Abstract: An adaptor in accordance with the present invention allows a conventional magnetic stripe card POS reader to receive information from contact-based or wireless sources while maintaining the concurrent ability of the reader to interact with a magnetic stripe card. In accordance with one embodiment of the present invention, the adaptor includes an inductor capable of generating a magnetic field of sufficient power to couple with a head of a magnetic stripe card reader through the housing of the reader device. In this manner, the adaptor can be positioned external to the reader device, leaving the slot of the reader accessible for conventional interactions with magnetic stripe cards. Selective inductive communication with individual heads of the reader device may exploit their differing sensitivity to external magnetic fields generated by the adaptor.
Type:
Grant
Filed:
October 3, 2005
Date of Patent:
October 3, 2006
Assignee:
VIVOtech, Inc.
Inventors:
Bruce Lyle Moullette, Mohammad A. Khan, Jorge M. Fernandes, Ahmer Ali Khan, Anna C. Stockel
Abstract: An adaptor allows a magnetic stripe card reader to receive information from other media such as wireless proximity chip cards while maintaining the ability to receive a magnetic stripe card. In accordance with one embodiment, the adaptor includes a simulacrum structure of sufficiently narrow width to fit substantially permanently within the slot of the magnetic stripe reading device, while providing sufficient room for a magnetic stripe card to also be concurrently accommodated within the slot and read by the reader head. The simulacrum structure may be in electronic communication with one or more transceivers of wireless communications such as RF and IR.
Type:
Application
Filed:
February 2, 2006
Publication date:
August 10, 2006
Applicant:
VIVOtech, Inc.
Inventors:
Jorge Fernandes, Mohammad Khan, Kerry Brown
Abstract: An adaptor in accordance with the present invention allows a conventional magnetic stripe card POS reader to receive information from contact-based or wireless sources while maintaining the concurrent ability of the reader to interact with a magnetic stripe card. In accordance with one embodiment of the present invention, the adaptor includes an inductor capable of generating a magnetic field of sufficient power to couple with a head of a magnetic stripe card reader through the housing of the reader device. In this manner, the adaptor can be positioned external to the reader device, leaving the slot of the reader accessible for conventional interactions with magnetic stripe cards. Selective inductive communication with individual heads of the reader device may exploit their differing sensitivity to external magnetic fields generated by the adaptor.
Type:
Application
Filed:
October 3, 2005
Publication date:
July 27, 2006
Applicant:
VIVOtech, Inc.
Inventors:
Bruce Moulette, Mohammad Khan, Jorge Fernandes, Ahmer Khan, Anna Stockel
Abstract: An adaptor allows a magnetic stripe card reader to receive information from other media such as wireless proximity chip cards while maintaining the ability to receive a magnetic stripe card. In accordance with one embodiment, the adaptor includes a simulacrum structure of sufficiently narrow width to fit substantially permanently within the slot of the magnetic stripe reading device, while providing sufficient room for a magnetic stripe card to also be concurrently accommodated within the slot and read by the reader head. The simulacrum structure may be in electronic communication with one or more transceivers of wireless communications such as RF and IR.
Type:
Application
Filed:
February 15, 2006
Publication date:
June 22, 2006
Applicant:
VIVOtech, Inc.
Inventors:
Jorge Fernandes, Mohammad Khan, Kerry Brown
Abstract: An adaptor allows a magnetic stripe card reader to receive information from other media such as wireless proximity chip cards while maintaining the ability to receive a magnetic stripe card. In accordance with one embodiment, the adaptor includes a simulacrum structure of sufficiently narrow width to fit substantially permanently within the slot of the magnetic stripe reading device, while providing sufficient room for a magnetic stripe card to also be concurrently accommodated within the slot and read by the reader head. The simulacrum structure may be in electronic communication with one or more transceivers of wireless communications such as RF and IR.
Type:
Grant
Filed:
November 27, 2002
Date of Patent:
May 30, 2006
Assignee:
VIVOtech, Inc.
Inventors:
Jorge M. Fernandes, Mohammad A. Khan, Kerry D. Brown
Abstract: An adaptor allows a magnetic stripe card reader to receive information from other media such as wireless proximity chip cards while maintaining the ability to receive a magnetic stripe card. In accordance with one embodiment, the adaptor includes a simulacrum structure of sufficiently narrow width to fit substantially permanently within the slot of the magnetic stripe reading device, while providing sufficient room for a magnetic stripe card to also be concurrently accommodated within the slot and read by the reader head. The simulacrum structure may be in electronic communication with one or more transceivers of wireless communications such as RF and IR.
Type:
Grant
Filed:
December 19, 2002
Date of Patent:
April 18, 2006
Assignee:
VIVOtech, Inc.
Inventors:
Jorge M. Fernandes, Mohammad A. Khan, Kerry D. Brown
Abstract: Techniques for negotiation techniques for mobile personal trusted device financial transactions are provided. A user of a mobile personal trusted device sets user preferences that define the user's preferred parameters for conducting financial transactions. A merchant sets merchant preferences that define the merchant's preferred parameters for conducting financial transactions. When a financial transaction is initiated, a user preference and a merchant preferences are accessed. A negotiated preference is generated that accommodates both the user preference and the merchant preference. If the user preference and the merchant preference are not mutually exclusive, the negotiated preference attempts to satisfy both preferences. If the user preference and the merchant preference are mutually exclusive, the negotiated preference satisfies at least one of the two preferences based on which of the two preferences has a higher priority. The financial transaction is conducted based on the negotiated preference.
Type:
Application
Filed:
May 24, 2005
Publication date:
January 5, 2006
Applicant:
VIVOtech, Inc.
Inventors:
Jorge Fernandes, Mohammad Khan, Kerry Brown
Abstract: Embodiments in accordance with the present invention allow financial or other confidential information to be securely imported in electronic form into a PTD. The information to be imported is first encrypted. The encrypted information is then transmitted from a source to the PTD. The encrypted information is then stored by the PTD. A decryption key is sent to the PTD user in a manner establishing a strong non-repudiation scheme. For example, the decryption key could be sent from a second device, or through a second communication channel separate and distinct from the first communication channel. Utilizing the decryption key delivered through the second communication channel, the user is able to decrypt and access the information in the PTD for transactional purposes.
Type:
Application
Filed:
May 2, 2003
Publication date:
August 19, 2004
Applicant:
VIVOtech, Inc.
Inventors:
Mohammad A. Khan, Jorge M. Fernandes, Kerry D. Brown, Stan J. Simon
Abstract: An adaptor allows a magnetic stripe card reader to receive information from other media such as wireless proximity chip cards while maintaining the ability to receive a magnetic stripe card. In accordance with one embodiment, the adaptor includes a simulacrum structure of sufficiently narrow width to fit substantially permanently within the slot of the magnetic stripe reading device, while providing sufficient room for a magnetic stripe card to also be concurrently accommodated within the slot and read by the reader head. The simulacrum structure may be in electronic communication with one or more transceivers of wireless communications such as RF and IR.
Type:
Application
Filed:
December 19, 2002
Publication date:
May 20, 2004
Applicant:
VIVOtech, Inc.
Inventors:
Jorge M. Fernandes, Mohammad A. Khan, Kerry D. Brown