William Graylin

TL;DR: In this article, a wireless mobile device (550) is adapted to access a wireless network and includes a subscriber identification module (SIM) card slot (552) and a contactless smart card module (500) electrically connected to the SIM card slot.

TL;DR: In this paper, the authors present a payment system consisting of a merchant server, an authentication server and a communication device, where the authentication server is adapted to receive digital purchase orders from the merchant server over the first network, format the digital purchase order into a first message and route it over a second network to the communication device.

TL;DR: In this article, a wireless mobile device is adapted to access a wireless network and includes a subscriber identification module (SIM) card slot (552) and a magnetic stripe reader module (500) electrically connected to the SIM card slot and thereby to the wireless mobile devices (550).

TL;DR: An electronic payment and fulfillment system utilized by a customer for purchasing a digital good includes a merchant server, a payment server, authentication server, an authentication server and a communication device.

TL;DR: In this paper, the authentication server receives the transaction amount from the merchant and receives customer account information from the customer's wireless mobile device, and processes the transaction and account information and routes the payment transaction to the payment server for payment to the merchant's account.