An intelligent automated assistant system engages with the user in an integrated, conversational manner using natural language dialog, and invokes external services when appropriate to obtain information or perform various actions. The system can be implemented using any of a number of different platforms, such as the web, email, smartphone, and the like, or any combination thereof. In one embodiment, the system is based on sets of interrelated domains and tasks, and employs additional functionally powered by external services with which the system can interact.

Intelligent Automated Assistant

A novel system and methodology for conducting financial and other transactions using a wireless device. Credentials may be selectively issued by issuers such as credit card companies, banks, and merchants to consumers permitting the specific consumer to conduct a transaction according to the authorization given as reflected by the credential or set of credentials. The preferred mechanism for controlling and distributing credentials according to the present invention is through one or more publicly accessible networks such as the Internet wherein the system design and operating characteristics are in conformance with the standards and other specific requirements of the chosen network or set of networks. Credentials are ultimately supplied to a handheld device such as a mobile telephone via a wireless network. The user holding the credential may then use the handheld device to conduct the authorized transaction or set of transactions via, for example, a short range wireless link with a point-of-sale terminal.

Method and apparatus for managing credentials through a wireless network

Past, present and future of mobile payments research: A literature review

Location sharing and tracking using mobile phones or other wireless devices

Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct payment transactions at merchant locations including brick and mortar locations and remote locations as well as for person to person transactions.

Mobile phone payment processing methods and systems

A method, and an apparatus performing the method, is provided by authenticating a mobile device communicably connectable to a wireless network by an authentication parameter from a secure transaction server (STS), as a mobile device authenticator; providing an STS correlation between a personal identification entry (PIE) and the mobile device authenticator; and inputting, by a user, the PIE and a provider action, to the mobile device authenticator to transmit a transformed secure user authenticable authorization request to the STS over the wireless network to authorize an action with a provider.

Authentication services using mobile device

We present a framework for agreements in pervasive environments called the Universal Pervasive Transaction Framework (UPTF) for parties transacting in wireless insecure environments using mobile devices. We discuss one type of such agreement with commercial interest, namely mobile payments from a payer to a payee. We have implemented two complete systems for purchasing and payment with mobile devices utilizing UPTF. The first introduces a special purpose, new mobile device called the Universal Pervasive Transaction Device (UPTD) and the second utilizes J2ME-capable mobile phones.

http://ieeexplore.ieee.org/iel5/9259/29413/01331708.pdf

Wireless wallet

Methods and systems provide a secure transaction server (STS); provide an authentic point of sale (POS) device, according to a first authentication parameter of the STS; provide an authentic mobile purchasing device, according to a second authentication parameter of the STS; provide a short-range communication method between the POS device and the mobile purchasing device; correlate by the STS a personal identification entry (PIE) and the authentic mobile purchasing device; transmit, by the POS device, a time dependent transformed secure POS authenticable POS purchase action to the STS; input the PIE to the mobile purchasing device to transmit a time dependent transformed secure user authenticable POS purchase action to the POS device via the short-range communication method; and approve, by the STS, the POS purchase action for the POS device and for the mobile purchasing device, according to the authentic POS device, and according to the authentic mobile purchasing device and the STS correlating of the PIE and the authentic mobile purchasing device.

Wireless computer wallet for physical point of sale (POS) transactions

A method for conducting a purchasing agreement for goods and services between a consumer and a merchant through a trusted a third party and using a wireless network includes generating, by the consumer, a first view of the agreement and transmitting the first view of the agreement to the third party, generating, independently by the merchant, a second view of the agreement and transmitting the second view of the agreement to the third party, and receiving, by the third party the consumer view of the agreement and the merchant view of the agreement, verifying identities of the merchant and the consumer and that the details of the independently generated views of the agreements are consistent and taking action to execute the purchasing agreement if the conditions are satisfied. The third party includes a Secure Transaction Server.

Methods for purchasing of goods and services

A system for conducting an agreement between two parties relying on a trusted a third party includes a first party generating a first view of the agreement and transmitting the first view of the agreement to the third party, a second party independently generating a second view of the agreement and transmitting the second view of the agreement to the third party, a wireless network connecting the first party and the second party, and a wired or wireless network connecting the second party to the third party. The trusted third party, receives the first view of the agreement and the second view of the agreement, verifies conditions including that the identities of the parties that transmitted the agreements and that the independent views of the agreement are consistent with each other, and takes action to execute the agreement if the conditions are satisfied.

Jonathan R. Agre

Papers

Authentication services using mobile device

Wireless wallet

Wireless computer wallet for physical point of sale (POS) transactions

Methods for purchasing of goods and services

Framework and system for purchasing of goods and services