News Column

"Portable Electronic Device Having a Memory Card Module for Conducting Electronic Transactions" in Patent Application Approval Process

August 7, 2014



By a News Reporter-Staff News Editor at Politics & Government Week -- A patent application by the inventor Chou, Hung-Chien (Taichung City, TW), filed on January 13, 2014, was made available online on July 24, 2014, according to news reporting originating from Washington, D.C., by VerticalNews correspondents.

This patent application has not been assigned to a company or institution.

The following quote was obtained by the news editors from the background information supplied by the inventors: "The invention relates to an electronic device, and more particularly to a portable electronic device having a memory card module for conducting electronic transactions.

"In recent years, e-wallet service has grown rapidly. Consumers may use mobile phones with contact-free payment function to conduct contact-free payment in a store (e.g., a convenient store) equipped with a POS (point-of-sale) terminal and an e-wallet reader.

"Taiwan patent publication no. 201248409 discloses a mobile device including a non-volatile memory and a safety element that operate independently from each other, which is unable to prevent file destruction by hackers breaking into the systems of the mobile device, so that user identification and private shopping information may be illegally obtained, and the user password may be easily stolen.

"Furthermore, in the conventional electronic transaction, transaction data is stored in a server, and users are unable to query transaction data in a timely manner."

In addition to the background information obtained for this patent application, VerticalNews journalists also obtained the inventor's summary information for this patent application: "Therefore, an object of the present invention is to provide a portable electronic device for conducting an electronic transaction with a point-of-sale (POS) terminal that may alleviate the abovementioned drawbacks.

"According to one aspect of the present invention, a portable electronic device for conducting an electronic transaction with a point-of-sale (POS) terminal is provided. The portable electronic device comprises:

"a device processor;

"a memory card module including: a communication unit configured for communication between the memory card module and the device processor; a transceiver unit configured to receive transaction data from the POS terminal; a storage unit that includes a hidden zone, and a working zone storing a read-only control application, the read-only control application including instructions for generation of a transaction interface for a user to conduct the electronic transaction; and a processing unit coupled to the transceiver unit for receiving and processing the transaction data therefrom, and configured to store the transaction data thus processed in the hidden zone of the storage unit; wherein the processing unit is configured such that the transaction data stored in the hidden zone of the storage unit is accessible only to the processing unit of the memory card module; wherein the processing unit is configured to permit the device processor to access the working zone such that the device processor is operable to execute the read-only control application; and wherein the processing unit is responsive to control by the device processor that executes the read-only control application for accessing the transaction data stored in the hidden zone of the storage unit; and

"a display module controlled by the device processor to display the transaction interface when the read-only control application is executed by the device processor.

"According to another aspect of the present invention, a memory card module to be used with a portable electronic device for enabling the portable electronic device to conduct an electronic transaction with a point-of-sale (POS) terminal is provided. The portable electronic device includes a device processor and a display module. The memory card module comprises:

"a communication unit configured for, communication between the memory card module and the device processor;

"a transceiver unit configured to receive transaction data from the POS terminal;

"a storage unit that includes a hidden zone, and a working zone storing a read-only control application, the read-only control application including instructions for generation of a transaction interface for a user to conduct the electronic transaction; and

"a processing unit coupled to the transceiver unit for receiving and processing the transaction data therefrom, and configured to store the transaction data thus processed in the hidden zone of the storage unit;

"wherein the processing unit is configured such that the transaction data stored in the hidden zone of the storage unit is accessible only to the processing unit of the memory card module;

"wherein the processing unit is configured to permit the device processor to access the working zone such that the device processor is operable to execute the read-only control application; and

"wherein the processing unit is responsive to control by the device processor that executes the read-only control application for accessing the transaction data stored in the hidden zone of the storage unit.

BRIEF DESCRIPTION OF THE DRAWINGS

"Other features and advantages of the present invention will become apparent in the following detailed description of the preferred embodiment with reference to the accompanying drawings, of which:

"FIG. 1 is a schematic diagram illustrating an e-wallet service system using a portable electronic device according to the present invention;

"FIG. 2 is a block diagram illustrating a preferred embodiment of the portable electronic device for conducting an electronic transaction according to the present invention;

"FIG. 3 is a flow chart illustrating steps of on-line shopping using the preferred embodiment;

"FIG. 4 is a flow chart illustrating steps of shopping at a physical store equipped with a point-of-sale terminal using the preferred embodiment;

"FIG. 5 is a flow chart illustrating steps of displaying transaction data using the preferred embodiment;

"FIG. 6 is a flow chart illustrating steps of recharging using the preferred embodiment;

"FIG. 7 is a flow chart illustrating steps of gifting using the preferred embodiment;

"FIG. 8 is a flow chart illustrating steps of shopping with electronic certificate using the preferred embodiment;

"FIG. 9 is a flow chart illustrating steps of verification of a user inputted password using the preferred embodiment; and

"FIG. 10 is a schematic diagram showing a virtual keyboard displayed using the preferred embodiment."

URL and more information on this patent application, see: Chou, Hung-Chien. Portable Electronic Device Having a Memory Card Module for Conducting Electronic Transactions. Filed January 13, 2014 and posted July 24, 2014. Patent URL: http://appft.uspto.gov/netacgi/nph-Parser?Sect1=PTO2&Sect2=HITOFF&u=%2Fnetahtml%2FPTO%2Fsearch-adv.html&r=862&p=18&f=G&l=50&d=PG01&S1=20140717.PD.&OS=PD/20140717&RS=PD/20140717

Keywords for this news article include: Patents.

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Source: Politics & Government Week


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