Us20120109672

US 20120109672Al

United States (19)

(12) Patent Application Publication (10) Pub. N0.: US 2012/0109672 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.: 13/292,836 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-in-part of appli cation No. 10/284,676, ?led on Oct. 3 1, 2002, Which is

per-user, per-device and per-domain security across domains of multiple service providers.

{F50 STOMER/USERlEJ / I 00 I SYSTEMS I

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I CLIENT DEVICE I Mi I /"’—\ | ‘

101 ‘ I V

‘Ivggligwc If x \ I I62 I SERVICE 168

I / ' WALLET 164 PROVIDERS l I SERVICE I CLIENT DEVICE I CENTER

101 I 7 ; I138 *:\\ ELECTRONIC I 13g V FACILITY I > > c TICKET

162 i i 7 ' SERVICE

I CLIENT DEVICE> i SERWCE w I I CENTER A

101 I ELECTRONIC I \d/ \ |

i FACILITY I SECURE WEB SERVICES FACILITIES OTHER I I SERVICE : CL|ENT DEV|CE i /\ A‘ PROVHDERS

V ' 162

101—i\_ ELECTRONIC i SERVICE PROVIDERS I FACILITY I t

L _____ __“_ _______ __i 17% I78

I38 MERCHANT ELECTRONIC MERCHANT ELECTRONIC /1 72 > TRANSACTION FACILITY TRANSACTION FACILITY \

170\ MERCHANT DEV|CE(S) POINT OF TRANSACTION DEV|CE(S) \I 74 MERCHANT SYSTEM

Patent Application Publication May 3, 2012 Sheet 2 0f 80 US 2012/0109672 A1

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OneWallet Ticket Issuance Process

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

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

WSC (part of Transaction Platform): 0 Create unique User ID and PIN to access the

OneWal/et and web-based User Portal at WSC 0 Download OneWal/et to mobile hone and/or PC 0 Setup Bank Account/s and/or redit Card/s

which will be used to pay for services

if

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.

L ___________________________________________ ___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, Fiailway 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 Issuance system verifies availability and informs 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 the OneWallet after confirming payment.


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.

ll

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.

ii

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

Y

Fig.7


F1 F4 I I '— REQUEST FUNDS TRANSFER —> I I I I I l I

‘14* REQUEST CODE A‘

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I<— CONFIRMATION '

Fig. 1 0 F1 F4 F2

I I

:— REQUEST FUNDS TRANSFER —>: I I l

I I

I I I I

|<—REQUEST CODE—I I I I I I I I

I I

I I<—REQuE5T FUNDSTRANSFER —; I I I I I I

: IiREQUEST CODE 4% I I 800 I i }< CODE I I I I l l APPROVAL 4»'

Fig. 1 1

l l

:<—TRANSACTION REQUEST—l I |

F1 F4 F2 F3 l I I I I I |<— REQUEST CODE —i

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i— TRANSACTION REQUEST —>1 | I I I

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I I I<— TRANSACTION CONFIRMATION —' l l l l l I I

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Fig. 12


F1 F4

i<— COUPON —i l I

Fig. 13

F1 F4 F2 l

'<— COUPON —'

l<— F1 ID/COUPON —} |

<— REQUEST CODE—l | | g 800 g :— CODE —>: I l

i i APPROVAL 47 I I l

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F1 F4 F2

SESSION

INVENTORY QUERY—>1

1<— INVENTORY STATUS —

|— PURCHASE REQUEST —>

1<— RECEIPT

Fig. 15


F1 F4 F2 | |

I— REQUEST W|THDRAWAL—>I | | | |

:<— REQUEST CODE —' l I 800 I :— CODE 4% l l l l

i :— APPROVAL —>} I l l l l l

'<—CONFIRMAT|ON—' !

Fig. 16

F1 F4 F2

I<— REQUEST DEPOSIT |

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I I REQUEST CODE —>: I I 800 I I I<— CODE —I i i = <—CONFIRMATION CONFIRMATION—>I

Fig. 17


122i /18OO

SOURCE /

/1802 DESTINATION J

AMOUNT \ \1804

Fig. 18


2000 2002

2004

Fig.20


* INITIALIZATION PROCESS

* CARD HOLDER SIGNATURE

REQUIRED

Fig. 21

* PLEASE INPUT PERSONAL

ACCESS CODE TO PREVENT UNAUTHORIZED ACCESS

* UPTO1O DIGITS

ENT CLR

\0123456789J Fig.22


CENTRAL SERVICE TICKET FACILITY PROVIDER

TICKET TICKET USER PROVIDER UET MERCHANT

COMPUTER FACILITY

TICKET PROVIDER

V V

HOW WOULD YOU LIKE To PAY? REQUEST PAYMENT

CUSTOMER UI MERCHANT UI

Fig. 23


/ TICKET MERCHANT FACILITY

UET <—>

UET = ,

TICKET COUNTER \ J

Y

Fig. 24


/'

2502 2514 \ \

ISSUE A PHYsICAL LOYALTY CARD 2520 USER INTERFACE

2504 V

STORE LOYALTY CARD REPLICAS WITH ATTRIBUTES

2508 142 \ I, \

TRANSMIT REDEMPTION OF A LOYALTY CARD MAIN SERVICE

2510 FACILITY

\ v MERCHANT TRANSACTS 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


K 2604

2608\ [2612

2602 2/618 \> 2614

LOYALTY AWARDS

- ALL CUSTOMERS

-GROUP1 \ -GROUP 2 2620

-GROUP 3

K J Y

Fig.26

Us20120109672

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