1. US 20120109673Al
United States(19)
(12) Patent Application Publication (10) Pub. N0.: US 2012/0109673 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.: 13/292,845 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-impart of app1i_ per-user, per-device and per-domain security across domains
cation No. 10/284,676, ?led on Oct. 31, 2002, Which is ofmultiple SeI‘ViCe providers.
ICU§ToR/I_E_R_/_LI_§ER_1_6_2_I '/ 100| SYSTEMS '
I / II
I CLIENT DEVICE I 14g A| ‘ I
101 T I d/
Ivggfgyc I f / FINANCIAL | 162 I SERVICE 168
I / WALLET PROVIDERS
' SERVICE 164
I CLIENT DEvICE I CENTER :' ‘ I 138
IOII ELECTRONIC 7 I f 138 V
I FACILITY I = > _ : TICKET
162 I SERVICE SERVICE
IX I CENTER PROVIDERS
| CLIENT DEVICE | SERVICE M
I I CENTER A
101-I ELECTRONIC I d/
I ‘ FACILITY I OTHERI SECURE WEB SERVICES FACILITIES
| I SERVICE
I CLIENT DEVICE I / A PROWDERS
' 162 ' d/
IOI-I ELECTRONIC I SERVICE PROVIDERS
I FACILITY I I
I_______“__________I 172 (I 178
138 MERCHANT ELECTRONIC MERCHANT ELECTRONIC /1 72
> TRANSACTION FACILITY TRANSACTION FACILITY
170 MERCHANT DEVICE(S) POINT OFTRANSACTION DEVICEIS) 174
MERCHANT SYSTEM

4. Patent Application Publication May 3, 2012 Sheet 3 0f 80 US 2012/0109673 A1
w
Fig.3

5. US 2012/0109673 A1May 3, 2012 Sheet 4 0f 80
USER-CENTRIC
SECURE TRANSACTION PLATFORM
200
I
408 410 412
ENABLING LAYER /
404
Fig. 4
Patent Application Publication

7. Patent Application Publication May 3, 2012 Sheet 6 0f 80 US 2012/0109673 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):
ll
l l
: l
l 0 Create unique User ID and PIN to access the I
l OneWal/et and web-based User Portal at WSC I
l 0 Download OneWallet to mobile hone and/or PC I
I 0 Setup BankAccount/s and/or red/t Card/s l
| which will be used to pay for services I
l
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V
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.
|_ ____________________________________________ __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,
Railway 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 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
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8. Patent Application Publication May 3, 2012 Sheet 7 0f 80 US 2012/0109673 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.
V
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.
V
The system generates a paper ticket / pass/ boarding
card as applicable.
Y
Fig.7

9. May 3, 2012 Sheet 8 0f 80 US 2012/0109673 A1
4 F
RESPONSE
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10. Patent Application Publication May 3, 2012 Sheet 9 0f 80 US 2012/0109673 A1
F1
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11. Patent Application Publication May 3, 2012 Sheet 10 0f 80 US 2012/0109673 A1
F1 F4
I<— COUPON—I
Fig. 13
F1 F4 F2
I<— COUPON —1
<— F1 ID/COUPON —I
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Fig. 15

12. Patent Application Publication May 3, 2012 Sheet 11 0f 80 US 2012/0109673 A1
F1 F4 F2
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800
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Fig. 17
<—CONFIRMATION CONFIRMATION—>!

13. Patent Application Publication May 3, 2012 Sheet 12 0f 80 US 2012/0109673 A1
185
/18OO
SOURCE /
r1802
DESTINATION J
AMOUNT
1804
Fig. 18

15. Patent Application Publication May 3, 2012 Sheet 14 0f 80 US 2012/0109673 A1
2000 2002
2004
Fig.20

16. Patent Application Publication May 3, 2012 Sheet 15 0f 80 US 2012/0109673 A1
* INITIALIZATION PROCESS
* CARD HOLDER SIGNATURE
REQUIRED
Fig.21
* PLEASE INPUT PERSONAL
ACCESS CODE TO PREVENT
UNAUTHORIZED ACCESS
* UPTO1O DIGITS
ENT CLR
O123456789J
Fig.22

17. Patent Application Publication May 3, 2012 Sheet 16 0f 80 US 2012/0109673 A1
CENTRAL
sERvICE TICKET
FACILITY PROVIDER
USER TICKET TICKET
UET MERCHANT PROVIDER
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 2012/0109673 A1
f
TICKET
MERCHANT
FACILITY
UET <—>
UET = :
TICKET COUNTER
j
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Fig. 24

19. Patent Application Publication May 3, 2012 Sheet 18 0f 80 US 2012/0109673 A1
/
2502 2514
ISSUE A PHYSICAL LOYALTY CARD 2520
USER INTERFACE
2504
V
STORE LOYALTY CARD REPLICAS
WITH ATTRIBUTES
2508 142
I
TRANSIvIIT REDEMPTION OF
A LOYALTY CARD IvIAIN SERVICE
2510 FACILITY
V
MERCHANTTRANSACTS 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 2012/0109673 A1
K
2604
2608
2602 2/618
LOYALTY AWARDS
-ALL CUSTOMERS
-GROUP1
-GROUP 2 2620
-GROUP 3
J
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Fig.26