Us20120109673

US 20120109673Al

United States (19)

(12) Patent Application Publication (10) Pub. N0.: US 2012/0109673 A1 Pitroda et a]. (43) Pub. Date: May 3, 2012

(54) TRANSACTIONAL SERVICES a continuation-in-part of application No. 09/766,221, ?led on Jan. 19, 2001, noW Pat. No. 7,366,990.

(75) Inventors: Satyan G. Pitroda, Oakbrook, IL (Us); Mehu] Desai’ Westmom, IL (60) Provisional application No. 60/724,066, ?led on Oct. (Us) 6, 2005.

(73) Assignee: C-SAM, INC., Oakbrook Terrace, Publication Classi?cation iL (Us) (51) Int. Cl.

G06 30/00 2012.01 (21) Appl. No.: 13/292,845 Q ( )

(52) US. Cl. ....................................................... .. 705/11

(22) Filed: Nov. 9, 2011 (57) ABSTRACT

Related U's' Apphcatlon Data Methods and systems are provided for supporting electronic

(63) Continuation of application No, 11/539,024, ?led on transactions, including transactions that are provided With Oct, 5, 2006, which is a continuation-impart of app1i_ per-user, per-device and per-domain security across domains cation No. 10/284,676, ?led on Oct. 31, 2002, Which is ofmultiple SeI‘ViCe providers.

ICU §ToR/I_E_R_/_LI_§ER_1_6_2_I '/ 1 00 | SYSTEMS '

I / I I

I CLIENT DEVICE I 14g A | ‘ I

101 T I \d/

Ivggfgyc I f /\ FINANCIAL \ | 162 I SERVICE 168 I / WALLET PROVIDERS ' SERVICE 164

I CLIENT DEvICE I CENTER : ' ‘ I 138

IOII\\ ELECTRONIC 7 I f 138 V I FACILITY I = > _ \ : TICKET

162 I SERVICE SERVICE IX I CENTER PROVIDERS

| CLIENT DEVICE | SERVICE M I I CENTER A

101-I\ ELECTRONIC I \d/ I ‘ FACILITY I OTHER I SECURE WEB SERVICES FACILITIES | I SERVICE I CLIENT DEVICE I /\ A PROWDERS ' 162 ' \d/

IOI-I\ ELECTRONIC I SERVICE PROVIDERS I FACILITY I I I _____ __“_ _______ __I 172 (I 178

138 MERCHANT ELECTRONIC MERCHANT ELECTRONIC /1 72 > TRANSACTION FACILITY TRANSACTION FACILITY \

170\ MERCHANT DEVICE(S) POINT OF TRANSACTION DEVICEIS) \174 MERCHANT SYSTEM

Patent Application Publication May 3, 2012 Sheet 3 0f 80 US 2012/0109673 A1

w

Fig.3

US 2012/0109673 A1 May 3, 2012 Sheet 4 0f 80

USER-CENTRIC SECURE TRANSACTION PLATFORM

200

I 408 410 412

ENABLING LAYER / 404 \

Fig. 4

Patent Application Publication

Patent Application Publication May 3, 2012 Sheet 6 0f 80 US 2012/0109673 A1

OneWallet Ticket Issuance Process

-------------------------------------

Customer registers for service at the Telco/Bank/ Financial Service provider branded and web-based

WSC (part of Transaction Platform):

l l

l l : l l 0 Create unique User ID and PIN to access the I l OneWal/et and web-based User Portal at WSC I l 0 Download One Wallet to mobile hone and/or PC I I 0 Setup Bank Account/s and/or red/t Card/s l | which will be used to pay for services I l

: l | l I I I I I I I I l l

: l | l

V

Customer registers with the Ticketing Services Provider for issue and Redemption of electronic tickets. A Card which may be used for issuance and use will be downloaded on the Consumer’s OneWallet.

|_ ____________________________________________ __J

_________________________| Transaction __________ “ v

To purchase a ticket, the user invokes the application by opening the wallet and selecting the “ticket” icon.

V

The user inputs information required for the ticket.... details may be different for different Issuers - Cinema House, Railway or Airline ticket, etc. For an Airline ticket for instance, the user will have to feed in the Origin, Destination, Flight Number, Date, Class, etc.

if

the price. In case the selected option is not available, the system suggest alternatives, and the above process is repeated until an available / suitable option is found.

if

User effects payment by selecting a payment instrument and invoking the secure payment

mechanism built into the OneWallet.

V

An electronic Ticket is issued securely, over-the-air into

I l l l l l l l l l l l l l l l l l l l l l

l The Issuance system verifies availability and informs I

l l l l l l l l l l l l l l l l l l

l the OneWallet after confirming payment. I

l

Patent Application Publication May 3, 2012 Sheet 7 0f 80 US 2012/0109673 A1

QneWallet Ticket Redemption Process

Manual System OneWallet user approaches the counter and displays

ticket details to the person manning the counter.

V

The counter manager manually enters all ticket details in his/her system. The person also adds other inputs/

selections if required.

The system validates all details and provides the user with a paper ticket / pass/ boarding card as applicable.

Automated System OneWallet user approaches the counter and beams

ticket details to the infra-red / rf terminal at the counter.

V

Ticket information is communicated to the central system which validates the user and ticket details.

V

The operaor enters other details that may be required - such as seat number, special requests, etc. depending

on the domain. This step is not required in several situations,

completely automating the redemption process.

V

The system generates a paper ticket / pass/ boarding card as applicable.

Y

Fig.7

May 3, 2012 Sheet 8 0f 80 US 2012/0109673 A1

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Patent Application Publication May 3, 2012 Sheet 9 0f 80 US 2012/0109673 A1

F1 |

REQUEST FUNDS TRANSFER —> |— | | | | 14* REQUEST CODE 4| | | |

| | | I<— CONFIRMATION

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Patent Application Publication May 3, 2012 Sheet 10 0f 80 US 2012/0109673 A1

F1 F4

I<— COUPON—I Fig. 13

F1 F4 F2

I<— COUPON —1

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800 CODE ________‘I___ APPROVAL 4%

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F1 F4 F2

SESSION I I — INVENTORY QUERY—>|

I<— INVENTORY STATUS —

I— PURCHASE REQUEST —>

I<— RECEIPT

Fig. 15

Patent Application Publication May 3, 2012 Sheet 11 0f 80 US 2012/0109673 A1

F1 F4 F2 |

:— REQUEST W|THDRAWAL—>l | | '<— REQUEST CODE —' |

800 CODE _______"____

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Fig. 17 <—CONFIRMATION CONFIRMATION—>!

Patent Application Publication May 3, 2012 Sheet 12 0f 80 US 2012/0109673 A1

185 /18OO

SOURCE /

r1802 DESTINATION J

AMOUNT \ \1804

Fig. 18

Patent Application Publication May 3, 2012 Sheet 14 0f 80 US 2012/0109673 A1

2000 2002

2004

Fig.20

Patent Application Publication May 3, 2012 Sheet 15 0f 80 US 2012/0109673 A1

* INITIALIZATION PROCESS

* CARD HOLDER SIGNATURE

REQUIRED

Fig.21

* PLEASE INPUT PERSONAL

ACCESS CODE TO PREVENT UNAUTHORIZED ACCESS

* UPTO1O DIGITS

ENT CLR

\O123456789J Fig.22

Patent Application Publication May 3, 2012 Sheet 16 0f 80 US 2012/0109673 A1

CENTRAL sERvICE TICKET FACILITY PROVIDER

USER TICKET TICKET UET MERCHANT PROVIDER

COMPUTER FACILITY

TICKET PROVIDER

V V

HOW WOULD YOU ‘ LIKE TO PAY? ~ REQUEST PAYMENT

CUSTOMER UI MERCHANT UI

Fig. 23

Patent Application Publication May 3, 2012 Sheet 17 0f 80 US 2012/0109673 A1

f TICKET MERCHANT FACILITY

UET <—>

UET = :

TICKET COUNTER \ j

Y

Fig. 24

Patent Application Publication May 3, 2012 Sheet 18 0f 80 US 2012/0109673 A1

/

2502 2514 \ \

ISSUE A PHYSICAL LOYALTY CARD 2520 USER INTERFACE

2504 V

STORE LOYALTY CARD REPLICAS WITH ATTRIBUTES

2508 142 \ I \

TRANSIvIIT REDEMPTION OF A LOYALTY CARD IvIAIN SERVICE

2510 FACILITY

V

MERCHANTTRANSACTS A RECEIPT OF THE USER LOYALTY CARD

INFORMATION 2512 2518

I \ USER CLIENT STATION STORES AN

ARCHIvE OF THE RECEIPT MERCHANT INTERFACE 2522

2524 j \ J

Fig.25

Patent Application Publication May 3, 2012 Sheet 19 0f 80 US 2012/0109673 A1

K 2604

2608\

2602 2/618

LOYALTY AWARDS

-ALL CUSTOMERS -GROUP1 \ -GROUP 2 2620

-GROUP 3

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Fig.26