A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder s mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions may be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions may be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or widget. The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.

Mobile person-to-person payment system

A method and system for making on-line payments makes use of computer hardware and software and utilizes, for example, a payment engine that facilitates the making of payments via the Internet. A user enrolls for the on-line payments service, designates a source account for the on-line payments, and is provided a transaction account as a money deposit account with an account number that the user can use as a source and a destination of funds and with one or more service levels. The user can make, for example, on-line payments, on-line and/or off-line purchases, cash withdrawals at an ATM, credit card account payments, bill payments, and/or international payments with funds in the transaction account and/or a line of credit associated with the transaction account.

Method and system for on-line payments

Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange server to establish an online account, which is used to transfer funds to and from other entities' online accounts. To fund an online account, funds can be transferred to the online account from a credit card account or from another online account. To withdraw funds, money can be transferred to a credit card account or other bank account. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf. The payee must then either open an online account or identify an existing online account to complete the transaction. For a request money transaction, a user enters an amount of funds owed and an e-mail address for the recipient of the payment request (payor), and the system sends a payment request to the payor via e-mail at the provided address. If the payor accepts the payment request, the payor identifies an online account from which to transfer funds to the payee (initiator of the payment request). If the payor does not have an online account established, the payor must sign up for an online account and provide a credit card number to fund the online account. Thereafter, the amount of funds are transferred to the payee and the system sends an e-mail notification to the payee indicating that the funds have been “received” on the payee's behalf. In both cases, to complete a transaction, the payee must direct the received funds to an online account, for example, by providing an online account number and/or other identifying information such as a password. The payor may cancel the transaction at any time until the payee directs the received funds to an online account.

Systems and methods for implementing person-to-person money exchange

Method and apparatus for providing tactile sensations. For one embodiment a first frequency at which to output a tactile sensation is received. A second frequency higher than the first frequency is determined. The second frequency is based on a frequency at which an inertial actuator outputs a second tactile sensation. A waveform having the first frequency and a waveform having the second frequency is combined to produce a signal configured to cause a composite tactile sensation at the second frequency, the composite tactile sensation conveying the first frequency.

Providing enhanced haptic feedback effects

A sinusoidal R.F. carrier is modulated for the transmission of digital binary datastreams through the deletion of carrier wavelets. These wavelets are defined between zero crossover positions representing zero energy locations. One or more wavelets are switched out of the carrier at the zero crossing positions to avoid sideband generation occasioned by electromagnetic energy disturbance. Transmissional amplification as well as receptional amplification is carried out with non-resonating amplifier architecture.

Missing cycle based carrier modulation

A digital modulation technique is disclosed which is unique in that it does not utilize fixed time slots for varying the characteristics of an electromagnetic carrier signal, but actually uses variations of the time slots to transfer the digital information. The modulation is created by using direct digital synthesis techniques to produce a carrier waveform that closely approximates a sine wave carrier signal that can vary the time it takes for each peak to occur. The peaks of the carrier are tightly controlled to occur at exact discrete time slots that correspond to certain base band digital data. The time slot changes occur precisely at the sine wave peaks to minimize the bandwidth requirement and maximize the data rate.

Time shift keying digital communications system

A digital communication system (fig. 1) is disclosed which is unique in that it modulates a sinusoidal carrier with discrete cosine segments (fig. 13). The discrete cosine segments may contain different time and amplitude values. The discrete cosine segments may be combined with each other (fig. 13) or with zero slope level segments (fig. 12) in order to effectively modulate the sinusoidal carrier. Rather than employing the use of filters (20) for controlling instantaneous voltage changes, the present communication system (fig. 1) forces the bit edges of the discrete cosine segments to occur at the zero slope points of a cosine wave, where no voltage changes occur. The communication system (fig. 1) utilizes direct digital synthesis (12, 14, 15, 16) in order to create a carrier signal which closely represents sinusoidal carrier signal. The present communication system (fig. 1) may be used in conjunction with various conventional methods such as phase shift keying (fig. 12) and amplitude shift keying (fig. 13). Means (fig. 5) are also provided for demodulating the carrier signal in order to recover the original baseband signal.

Cosine segment communications system

A burst mode digital communications system which is unique in that it modulates a sinusoidal carrier with discrete cosine segments. The discrete cosine segments may contain different time and amplitude values. The discrete cosine segments may be combined with each other or with zero slope level segments in order to effectively modulate the sinusoidal carrier. Rather than employing the use of filters for controlling instantaneous voltage changes, the present communications system forces the bit edges of the discrete cosine segments to occur at the zero slope points of a cosine wave, where no voltage changes occur. The communications system utilizes direct digital synthesis in order to create a carrier signal which closely represents sinusoidal carrier signal. The present communication system may be used in conjunction with various conventional methods such as phase-shift keying and amplitude-shift keying. A device is also disclosed for demodulating the carrier signal in order to recover the original base band signal. The burst mode digital communications system may also demodulate data by employing adaptive templates for more accurately determining received digital symbols.

Burst mode digital communications system

The method and system for modeling RF emissions occurring in a radio frequency band utilizes commercial off-the-shelf (COTS) hardware to perform the steps of converting legacy PDW databases to RF signal I and Q format and storing the I and Q data in a digital I and Q data signal library. Alternatively, real-time RF signals are recorded in I and Q format and routed to the library. Moreover, a synthesizer is provided to form I and Q data and forward the data to the library. I and Q library data is time-tagged. An RF editor includes editing tools to modify the I and Q library accordingly, as required. A channelizer extracts channel information from the I and Q data and sends that channelized data to at least one to vector signal generator. A combiner is used to combine outputs of multiple vector signal generators connected to the channelizer.

Method and system for modeling rf emissions occurring in a radio frequency band

A real time fiber optic matrix switch includes at least one matrix switch port and a controller card. The controller card is configured to recognize communication protocols associated with any of the Type A-H and J signals of the Naval Tactical Data System (NTDS), and to enable the communication of information between the matrix switch and interconnected peripheral devices, as well as any interconnected matrix switches. The controller card is externally programmed by a digital logic program that multiplexes data streams of received signal types to one data stream, converts the multiplexed data stream to an optical signal, transmits the optical signal, receives the transmitted optical signal, transforms the received optical signal to an electric signal, demultiplexes the electric signal, validates the demultiplexed electric signal, and acknowledges the validated demultiplexed electric signal.

David E. Erisman

Papers

Time shift keying digital communications system

Cosine segment communications system

Burst mode digital communications system

Method and system for modeling rf emissions occurring in a radio frequency band

Real time fiber optic matrix switch interconnection