US 8,448,855 C2 (12,860th)
Method and apparatus for funding an electronic purse
Liang Seng Koh, Fremont, CA (US); Futong Cho, Milpitas, CA (US); Hsin Pan, Fremont, CA (US); and Fuliang Cho, San Jose, CA (US)
Filed by Liang Seng Koh, Fremont, CA (US); Futong Cho, Milpitas, CA (US); Hsin Pan, Fremont, CA (US); and Fuliang Cho, San Jose, CA (US)
Assigned to SHENZHEN RFCYBER ASSET MANAGEMENT, LLP, Guangdong (CN)
Reexamination Request No. 90/015,260, Jul. 17, 2023.
Reexamination Certificate for Patent 8,448,855, issued May 28, 2013, Appl. No. 13/400,038, Feb. 18, 2012.
Reexamination Certificate C1 8,448,855, issued Apr. 28, 2023.
Application 90/015,260 is a continuation of application No. 11/534,653, filed on Sep. 24, 2006, granted, now 8,118,218.
Ex Parte Reexamination Certificate issued on Mar. 7, 2025.
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/06 (2012.01); G06Q 20/10 (2012.01); G06Q 20/38 (2012.01)
CPC G06Q 20/367 (2013.01) [G06Q 20/06 (2013.01); G06Q 20/10 (2013.01); G06Q 20/102 (2013.01); G06Q 20/105 (2013.01); G06Q 20/3672 (2013.01); G06Q 20/386 (2020.05); G06Q 20/3674 (2013.01); G06Q 20/382 (2013.01)]
OG exemplary drawing
AS A RESULT OF REEXAMINATION, IT HAS BEEN DETERMINED THAT:
The patentability of claims 1-17 is confirmed.
1. A method for funding an e-purse, the method comprising:
receiving a PIN from a user of a portable device, wherein the portable device is a near field communication (NFC) enabled device that includes a card module;
initiating a request from a midlet embedded in the portable device after the PIN is verified, wherein the midlet sends the request to an e-purse applet;
causing the e-purse applet to compose a response to the request;
sending the response by the e-purse applet over a wireless network to a server administrating the e-purse, the server configured to verify the response against an account in a financial institution across a network, a fund transfer request is initiated by the server to the financial institution when the response is successfully verified;
receiving commands from the server in responding to the fund transfer request; and
causing an emulator in the portable device to update a transaction log after an authenticity of the commands is verified by the e-purse applet wherein the e-purse in the portable device has been personalized by operations including:
establishing an initial security channel between the card module and an e-purse security authentication module (SAM) external to the card module to install and personalize the e-purse applet in the card module, and
creating a security channel on top of the initial security channel to protect subsequent operations of the card module with the e-purse SAM, wherein any subsequent transactions with the e-purse are conducted over the security channel.