1. 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
ofmultiple service providers.
{F50STOMER/USERlEJ / I00I SYSTEMS I
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I CLIENT DEVICE I MiI /"’—| ‘
101 ‘ I V
‘Ivggligwc If x I I62 I SERVICE 168
I / ' WALLET 164 PROVIDERS
l I SERVICE
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101 I 7 ; I138*: ELECTRONIC I 13g V
FACILITY I > > c TICKET
162 i i 7 ' SERVICE
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101 I ELECTRONIC I d/
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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

3. Patent Application Publication May 3, 2012 Sheet 2 0f 80 US 2012/0109672 A1
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7. Patent Application Publication May 3, 2012 Sheet 6 0f 80 US 2012/0109672 A1
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.

8. Patent Application Publication May 3, 2012 Sheet 7 0f 80 US 2012/0109672 A1
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

9. Patent Application Publication May 3, 2012 Sheet 8 0f 80 US 2012/0109672 A1
l l
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Fig.9

10. Patent Application Publication May 3, 2012 Sheet 9 0f 80 US 2012/0109672 A1
F1 F4
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Fig. 12

11. Patent Application Publication May 3, 2012 Sheet 10 0f 80 US 2012/0109672 A1
F1 F4
i<— COUPON —il I
Fig. 13
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g 800 g
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SESSION
INVENTORY QUERY—>1
1<— INVENTORY STATUS —
|— PURCHASE REQUEST —>
1<— RECEIPT
Fig. 15

12. Patent Application Publication May 3, 2012 Sheet 11 0f 80 US 2012/0109672 A1
F1 F4 F2
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I— REQUEST W|THDRAWAL—>I| |
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:<— REQUEST CODE —'l
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Fig. 17

13. Patent Application Publication May 3, 2012 Sheet 12 0f 80 US 2012/0109672 A1
122i
/18OO
SOURCE /
/1802
DESTINATION J
AMOUNT
1804
Fig. 18

15. Patent Application Publication May 3, 2012 Sheet 14 0f 80 US 2012/0109672 A1
2000 2002
2004
Fig.20

16. Patent Application Publication May 3, 2012 Sheet 15 0f 80 US 2012/0109672 A1
* INITIALIZATION PROCESS
* CARD HOLDER SIGNATURE
REQUIRED
Fig. 21
* PLEASE INPUT PERSONAL
ACCESS CODE TO PREVENT
UNAUTHORIZED ACCESS
* UPTO1O DIGITS
ENT CLR
0123456789J
Fig.22

17. Patent Application Publication May 3, 2012 Sheet 16 0f 80 US 2012/0109672 A1
CENTRAL
SERVICE TICKET
FACILITY PROVIDER
TICKET TICKET
USER PROVIDERUET MERCHANT
COMPUTER FACILITY
TICKET
PROVIDER
V V
HOW WOULD YOU
LIKE To PAY? REQUEST PAYMENT
CUSTOMER UI MERCHANT UI
Fig. 23

18. Patent Application Publication May 3, 2012 Sheet 17 0f 80 US 2012/0109672 A1
/
TICKET
MERCHANT
FACILITY
UET <—>
UET = ,
TICKET COUNTER
J
Y
Fig. 24

19. Patent Application Publication May 3, 2012 Sheet 18 0f 80 US 2012/0109672 A1
/'
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

20. Patent Application Publication May 3, 2012 Sheet 19 0f 80 US 2012/0109672 A1
K
2604
2608 [2612
2602 2/618
> 2614
LOYALTY AWARDS
- ALL CUSTOMERS
-GROUP1
-GROUP 2 2620
-GROUP 3
K J
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Fig.26