Qualcomm Incorporated

Joan T Waltman

Gregory Gordon Rose

Craig B Lauer

Todd Robert Sutton

Alexander Gantman

Sherman A Gregory

Katherine W White

Mobile commerce authentication and authorization systems enable currently existing point-of-sale devices that are neither structurally nor systemically altered to conduct financial transactions with a customer using an access terminal across a wireless communications system. The point-of-sale devices receive an input from a payment instrument replacement, which identifies the transaction to the point-of-sale device as a transaction including an access terminal. Authentication of the user of the access terminal is achieved at least by application of position and/or location determinable features of the access terminal, the position and/or location of a point-of-sale device of a vendor or merchant where the customer seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A payment matching server may assist in processing the location data and the payment sum amount across communications network.

Mobile commerce authentication and authorization systems

The mobile commerce authentication and authorization system allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the mobile wireless communications instrument user is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A transaction matching subsystem located in a wireless customer server hub may assist in processing the location data and the payment sum across the wireless communications network.

Mobile commerce authentication and authorization system

A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.

M-commerce virtual cash system, method, and apparatus

A virtual cash system, method, and apparatus for establishing account records containing a record of money amounts associated with a wireless device and a security code comprising a code portion to verify a deposit of money. Cash transfers between account records may be subject to restrictions associated with the cash amounts. Cash amounts can be spent from the account records directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.

A virtual cash system, method, and apparatus for establishing account records containing a record of money amounts associated with a wireless device and a security code comprising a code portion to verify a deposit of money. Cash transfers between account records may be subject to restrictions associated with the cash amounts. Restrictions may include the specific merchant identifications, product type identifications for which cash transfers may be made. Alternatively, the restrictions may include spending limits on each cash transfer.

A pulse density modulation circuit has a counter which produces a most significant bit through a least significant bit output based on a clock input. The circuit also has a comparator with two sets of most significant bit through least significant bit inputs that produces an output based on a comparison of the two sets of inputs. The first set of comparator most significant bit through least significant bit inputs receives respectively a most significant bit through a least significant bit of an input reference signal. The second set of comparator most significant bit through least significant bit inputs receives the counter most significant bit through least significant bit output in a non-sequential bit order. The non-sequential bit order can be a bit reversed order wherein the counter most significant bit through least significant bit output are respectively connected to the comparator least significant bit through most significant bit input. The circuit may further filter the comparator output to provide a resultant analog output signal.

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Rancho Santa Fe, CA, United States of America

Joan T Waltman