U.S. patent application number 13/531177 was filed with the patent office on 2012-10-25 for methods to authenticate access and alarm as to proximity to location.
Invention is credited to Kevin K. Moshir, Sean Moshir, Houman Shafiezadeh.
Application Number | 20120270560 13/531177 |
Document ID | / |
Family ID | 46329715 |
Filed Date | 2012-10-25 |
United States Patent
Application |
20120270560 |
Kind Code |
A1 |
Moshir; Kevin K. ; et
al. |
October 25, 2012 |
METHODS TO AUTHENTICATE ACCESS AND ALARM AS TO PROXIMITY TO
LOCATION
Abstract
Methods for authenticating access and providing positional
awareness using mobile phones. Embodiments for authenticating
access include receiving identification indicia from a person
seeking access, sending a message to a person having authority for
access, and receiving either a second message indicating that the
person has taken an affirmative action to indicate authorization,
or a password that was provided in the first message. Access may be
computer access or physical access, as examples. Methods of
providing positional awareness include obtaining or storing
location coordinates, monitoring the location of a mobile phone,
and providing an alarm, for example, through a second mobile phone.
In a number of embodiments, location coordinates are automatically
obtained from Internet websites. In some embodiments, parents can
monitor the location of their children to make sure they do not get
too close to a reported residence of a registered sex offender, for
instance.
Inventors: |
Moshir; Kevin K.;
(Scottsdale, AZ) ; Moshir; Sean; (Scottdale,
AZ) ; Shafiezadeh; Houman; (Scottsdale, AZ) |
Family ID: |
46329715 |
Appl. No.: |
13/531177 |
Filed: |
June 22, 2012 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
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11932134 |
Oct 31, 2007 |
8225380 |
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13531177 |
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11931343 |
Oct 31, 2007 |
8260274 |
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11932134 |
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11931822 |
Oct 31, 2007 |
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11931343 |
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11864329 |
Sep 28, 2007 |
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11931822 |
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11807024 |
May 25, 2007 |
7920851 |
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11864329 |
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11807024 |
May 25, 2007 |
7920851 |
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11807024 |
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60847981 |
Sep 28, 2006 |
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60809052 |
May 25, 2006 |
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60920603 |
Mar 29, 2007 |
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Current U.S.
Class: |
455/456.1 |
Current CPC
Class: |
G06F 21/43 20130101;
H04W 4/12 20130101; G06F 2221/2111 20130101; G07C 9/27 20200101;
H04L 9/3215 20130101; G06Q 10/10 20130101; H04L 9/3226 20130101;
G06Q 30/06 20130101; H04W 4/00 20130101; G06Q 20/12 20130101; H04L
67/04 20130101; H04M 3/4938 20130101; G06F 21/35 20130101; H04M
3/42348 20130101; H04L 63/083 20130101; H04L 67/02 20130101; H04W
12/0808 20190101 |
Class at
Publication: |
455/456.1 |
International
Class: |
H04W 4/02 20090101
H04W004/02 |
Foreign Application Data
Date |
Code |
Application Number |
May 25, 2007 |
US |
PCT/US07/12436 |
Claims
1. A method of providing positional awareness of a particular
individual, the method including at least the acts of; obtaining or
storing at least one location coordinate defining at least one
region of concern; monitoring the location of a first mobile phone
possessed by the particular individual; and providing an alarm
through a second mobile phone when the first mobile phone passes
into the region of concern or within a predetermined distance of
the region of concern.
2. The method of claim 1 wherein the location coordinate is for a
reported residence of a registered sex offender.
3. The method of claim 1, further comprising the acts of: providing
a first mobile phone software module for installation on the first
mobile phone, wherein the first mobile phone software module
includes programming instructions for the monitoring of the
location of the first mobile phone possessed by the particular
individual; providing a second mobile phone software module for
installation on the second mobile phone, wherein the second mobile
phone software module includes programming instructions for the
providing of the alarm through the second mobile phone when the
first mobile phone passes into the region of concern or within the
predetermined distance of the region of concern.
4. The method of claim 1, further comprising the act of obtaining
or providing a third software module installed on at least one
Internet server and forming at least one Internet website wherein
at least a plurality of users visit the website through the
Internet and elect to be provided the alarm through the second
mobile phone.
5. The method of claim 4 wherein the third software module further
contains instructions to download through a mobile phone network to
the first mobile phone a first mobile phone software module,
wherein the first mobile phone software module includes programming
instructions for the monitoring of the location of the first mobile
phone possessed by the particular individual.
6. The method of claim 4 wherein the third software module further
contains instructions to download through a mobile phone network to
the second mobile phone a second mobile phone software module,
wherein the second mobile phone software module includes
programming instructions for the providing of the alarm through the
second mobile phone when the first mobile phone passes into the
region of concern or within the predetermined distance of the
region of concern.
7. The method of claim 4 wherein at least a plurality of the users
enter through the Internet website at least one location coordinate
defining at least one region of concern.
8. The method of claim 4 wherein the third software module further
contains instructions to obtain from a third party website data
with which to determine at least one location coordinate defining
at least one region of concern.
9. The method of claim 8 wherein the third party website contains
reported residence locations for a plurality of registered sex
offenders, wherein there are at least a plurality of regions of
concern, and wherein at least a plurality of the regions of concern
surround at least one of the reported residences of the registered
sex offenders.
Description
RELATED APPLICATIONS AND CLAIM OF PRIORITY
[0001] This patent application is a Continuation patent application
of and claims priority to U.S. patent application Ser. No.
11/932,134, filed on Oct. 31, 2007, titled: METHODS TO AUTHENTICATE
ACCESS AND ALARM AS TO PROXIMITY TO LOCATION, which is hereby
incorporated by reference. This patent application is a
Continuation patent application of and claims priority to U.S.
patent application Ser. No. 11/931,343, filed on Oct. 31, 2007,
titled: EXTRACTION OF INFORMATION FROM E-MAILS AND DELIVERY TO
MOBILE PHONES, SYSTEM AND METHODS, which is hereby incorporated by
reference. This patent application is a Continuation patent
application of and claims priority to U.S. patent application Ser.
No. 11/931,822, filed on Oct. 31, 2007, titled: METHODS OF
AUTHORIZING ACTIONS, which is hereby incorporated by reference.
This patent application is a Continuation-In-Part patent
application of and claims priority to U.S. patent application Ser.
No. 11/864,329, filed on Sep. 28, 2007, titled: DISSEMINATION OF
REAL ESTATE INFORMATION THROUGH TEXT MESSAGING, which is hereby
incorporated by reference, and which is a Continuation-In-Part
patent application of and claims priority to U.S. patent
application Ser. No. 11/807,024, filed on May 25, 2007, titled:
SECURE MOBILE INFORMATION MANAGEMENT SYSTEM AND METHOD. This patent
application is a Continuation-In-Part patent application of and
claims priority to U.S. patent application Ser. No. 11/807,024,
filed on May 25, 2007, titled: SECURE MOBILE INFORMATION MANAGEMENT
SYSTEM AND METHOD, which is hereby incorporated by reference. This
patent application claims priority to, and incorporates by
reference the following: U.S. provisional patent application
60/847,981, titled: DISSEMINATION OF REAL ESTATE INFORMATION
THROUGH TEXT MESSAGING, which was filed on Sep. 28, 2006; U.S.
patent application Ser. No. 11/807,024, and Patent Cooperation
Treaty (PCT) patent application serial number PCT/US07/12436, both
filed on May 25, 2007, both titled: SECURE MOBILE INFORMATION
MANAGEMENT SYSTEM AND METHOD, and both claiming priority to, and
incorporating by reference, U.S. provisional patent application
60/809,052, titled: MOBILE INFORMATION MANAGEMENT SYSTEM AND
METHOD, which was filed on May 25, 2006, and U.S. provisional
patent application 60/920,603, titled: SECURE MOBILE INFORMATION
MANAGEMENT SYSTEM AND METHOD, which was filed on Mar. 29, 2007. All
of these patent applications have the same inventors as this
application.
FIELD OF INVENTION
[0002] This invention relates to systems and methods for
authenticating access that use mobile phones use of mobile phones
for alarming as to proximity to one or more locations, and managing
information, including personal information, and for storing such
information in a retrievable manner capable of being conveniently
carried on a user's person. Specific embodiments of this invention
relate to wireless communication, cellular telephony,
Internet-based systems and methods, software, computers, or a
combination thereof.
BACKGROUND OF THE INVENTION
[0003] In the past, people have carried many different items in
their wallets or purses, for example. Certain of these items store
personal information, provide identification for various purposes,
allow the person to make purchases, provide proof of particular
facts, or a combination thereof. Certain items that have been
carried in wallets include credit cards, bank cards, debit cards,
check books, bank books, bank account records, credit card records,
bills, identification cards, licenses such as a driver's license,
CDL, pilot's license, etc., social security cards, voter
registration cards, passports, visas, immigration cards, loyalty
cards, e.g., for grocery stores such as SAFEWAY.TM., and
ALBERTSONS.TM., retail stores such as GAP.TM., and STARBUCKS.TM.,
membership cards such as COSTCO.TM., REI.TM., gyms, and country
clubs, frequent flyer program cards or numbers, rewards programs,
video clubs, library cards, insurance cards, such as health, auto,
home, and life insurance, login and password information, elevator
cards, parking structure cards, room keys, phone numbers, e-mail
and street addresses, calendars, calling cards, medical information
such as medical history, drugs being taken, immunization records,
living wills, medical power of attorney, emergency contact
information, personal photographs, personal memorabilia, receipts,
proof of warranties and warranty information, tax records, proof of
professional credentials, proof of authority, and business cards,
as examples.
[0004] In the past, people have also carried mobile phones, which,
besides being used to place and receive calls, have contained
information such as phone numbers and calendars, and some of which
have had Internet access. Mobile phones typically include
processors, digital storage, displays, and software, among other
things, and many hold and display photographs, provide for
purchases on the Internet, include a global positioning system
(GPS) or a combination thereof. Further, systems and methods have
been developed to manage various information and activities
including personal information. Various such systems and methods
are computer implemented, involve computer software, utilize
computer storage databases, are network or Internet based, or a
combination thereof, as examples. Still further, bar codes, near
field communication (NFC) and Bluetooth communication, among other
technologies, have been used to communicate with electronic devices
of certain types. Even further, personal digital assistants (PDAs),
such as the BLACKBERRY.TM. have been used to send and receive
e-mails, as well as placing and receiving telephone calls,
although, in the past, users of PDAs have typically had to sort
through a large number of e-mails to find particular information
that they needed or desired.
[0005] However, needs and the potential for benefit exist in the
area of such information and item management, and these needs and
potential for benefit often extend to many types of personal,
business, and professional information. For instance, people often
have many things that they would like to place in their wallets,
and people must often choose between competing items to carry.
Further, wallets and purses are often too large or bulky to carry
conveniently, particularly when people are wearing particular
styles of clothing. Thus, needs and potential for benefit exist for
systems and methods that reduce the number of items that need to be
carried in a wallet or that increase the amount of information that
can be carried on one's person. In addition, there is a need and
potential for benefit to be able to efficiently identify, replace,
cancel, or destroy items or information, for example, of the type
carried in a wallet or purse, if the wallet, purse, or one or more
items is lost, stolen, damaged, or destroyed.
[0006] Furthermore, needs and potential for benefit, exist for a
person to be able to use the Internet, or otherwise provide for
efficient communication, entering of data, and transferring of
data, but needs also exist that an acceptable level of data
security be maintained with such systems and methods. Further needs
and areas for potential for improvement include improving the
availability of information from a number of different sources,
reducing duplication in the entering of information, organizing
information and providing information in a more-usable form, more
effectively transferring information between a storage device and
another device, and providing more information, more up-to-date
information, or both, to a user. Further needs and areas for
potential for improvement include updating information, for
example, in a timely manner or in real time, and providing
notifications or alarms, at least for particularly important
information.
[0007] In specific examples, needs and potential for benefit exist
in the areas of methods and systems for managing information for a
number of users, using the Internet and mobile phones of the users.
Particular needs and potential for benefit exist for such systems
and methods that receive information from users, that include a
criteria for alarming, that receive information from one or more
third parties, that select a fraction of the information from third
parties, that transmit this fraction of the information to the
mobile phones of the users, where the information is organized in a
manner that it is accessible to the users. Additional needs and
potential for benefit exist for certain processes to be repeated,
and for alarms to be provided to the users when certain information
satisfies a criteria, for example, that the users have identified.
In the past, various systems and methods for authorizing actions
and authenticating access have existed. For example, locks and keys
have been used to control physical access to spaces (e.g., locked
doors on buildings, electronic keys for hotel rooms, etc.),
however, people had to carry such keys to obtain access. Passwords
and pass codes have been used to authorize access to controlled
spaces, and to grant computer access to electronically stored data;
however, users must remember these passwords or pass codes. Systems
and methods have also existed for authorizing other actions. For
example, cards have also been used to authorize financial
transactions, such as payment at the point of sale for the purchase
of goods or for the provision of services. Besides requiring the
presence of the card, transactions have been authorized using bank
card networks, which verified that the cards were authorized.
Signatures have also been used to authorize transactions. However,
users needed to carry the cards, and signatures have been forged.
Needs and potential for benefit exist for other or better systems
and methods for authorizing such actions, or other actions, that do
not require the users to carry additional cards or keys, remember
additional passwords, codes, or information, that use items already
carried by the users, that use items that are frequently used and
controlled by the user, that are more convenient, that offer
alternatives, that are easily trackable, that provide an ability to
authorize a variety of different actions, or a combination
thereof.
[0008] Systems and methods have also existed to track individuals.
For example, devices have been used to track prisoners who have
been placed under house arrest that are locked onto the prisoners
and alarm when a prisoner travels more than a predetermined
distance from their home. However, needs and potential for benefit
exist for systems and methods that track individuals without using
such devices, for particular applications. As an example, needs and
potential for benefit exist for systems and methods that track
individuals by tracking their mobile phones. As a further example,
needs and potential for benefit exist for tracking individuals,
including children, for their own protection.
[0009] In a particular example, in the past, convicted sex
offenders have been required to register where they reside and such
information has been made available to the public so that members
of the public can take steps to protect themselves and their
children, as examples, from potential future sexual predation.
However, many registered sex offenders often reside in densely
populated areas, making it difficult for members of the public to
keep track of all of them. In addition, parents are not always
aware of exactly where there children are at all times. Thus, needs
and potential for benefit exist for systems and methods that alert
parents or guardians of children when the children enter or travel
within a predetermined distance of the residence of a registered
sex offender. Needs and potential for benefit also exist for
systems and methods that provide positional awareness of particular
individuals for other purposes, including such systems and methods
that use mobile phones.
[0010] Further needs and potential for benefit exist for software
modules operating on servers and on mobile phones that provide for
secure storage of information, that select, send, and receive
nuggets of personal information, and that store the nuggets for
access by the user, for example, without sorting through a number
of e-mails.
[0011] In addition, in the past, various systems and methods for
authorizing actions and authenticating access have existed. For
example, locks and keys have been used to control physical access
to spaces (e.g., locked doors on buildings, electronic keys for
hotel rooms, etc.). However, people had to carry such keys to
obtain access. Passwords and pass codes have been used to authorize
access to controlled spaces, and to grant computer access to
electronically stored data. However, users must remember these
passwords or pass codes. Systems and methods have also existed for
authorizing other actions. For example, cards have also been used
to authorize financial transactions, such as payment at the point
of sale for the purchase of goods or for the provision of services.
Besides requiring the presence of the card, transactions have been
authorized using bank card networks, which verified that the cards
were authorized. Signatures have also been used to authorize
transactions. However, users needed to carry the cards, and
signatures have been forged.
[0012] Needs and potential for benefit exist for other or better
systems and methods for authorizing such actions, or other actions,
that do not require the users to carry additional cards or keys,
remember additional passwords, codes, or information, that use
items already carried by the users, that use items that are
frequently used and controlled by the user, that are more
convenient, that offer alternatives, that are easily trackable,
that provide an ability to authorize a variety of different
actions, that cannot easily be forged, or a combination
thereof.
[0013] Systems and methods have also existed to track individuals.
For example, devices have been used to track prisoners who have
been placed under house arrest that are locked onto the prisoners
and alarm when a prisoner travels more than a predetermined
distance from their home. Devices have also been used to track
vehicles, including using GPS technology, to aid in recovery if the
vehicles are stolen. However, needs and potential for benefit exist
for systems and methods that track individuals without using such
devices, for particular applications. As an example, needs and
potential for benefit exist for systems and methods that track
individuals by tracking their mobile phones. As a further example,
needs and potential for benefit exist for tracking individuals,
including children, for their own protection.
[0014] In a particular example, in the past, convicted sex
offenders have been required to register where they reside and such
information has been made available to the public, including via
the Internet, so that members of the public can take steps to
protect themselves and their children, as examples, from potential
future sexual predation. However, many registered sex offenders
often reside in densely populated areas, making it difficult for
members of the public to keep track of all of them. In addition,
parents are not always aware of exactly where there children are at
all times. Thus, needs and potential for benefit exist for systems
and methods that alert parents or guardians of children when the
children enter or travel within a predetermined distance of the
residence of a registered sex offender. Needs and potential for
benefit also exist for systems and methods that provide positional
awareness of particular individuals for other purposes, including
such systems and methods that use mobile phones.
[0015] Potential for improvement exists in these and other areas
that may be apparent to a person of skill in the art having studied
this document.
SUMMARY OF PARTICULAR EMBODIMENTS OF THE INVENTION
[0016] This invention provides, among other things, a number of
embodiments of systems and methods of storing or making available
information, items, functionality, or a combination thereof, in a
mobile phone. In certain embodiments, information or items that
otherwise might be carried in a person's wallet or purse may be
stored on a mobile phone. Various embodiments include a software
application loaded on a mobile phone that stores certain
information for access by the user. In addition, various
embodiments of the invention include an Internet website through
which certain information can be transmitted to the phone. In some
embodiments, the information on the website can be updated through
the phone, by the user through a personal computer, or both.
[0017] In a number of different embodiments, this invention
provides systems and methods for authorizing actions,
authenticating access, or providing positional awareness for
multiple users using mobile phones. Various embodiments provide,
for example, as objects or benefits, systems or methods for
authorizing such actions that do not require the users to carry
additional cards or keys or to remember additional passwords,
codes, or information. Particular embodiments use items (e.g.,
mobile phones) already carried by the users and that are frequently
used and controlled by the user. Some embodiments may be more
convenient, may offer alternatives, may be easily trackable, may
provide an ability to authorize a variety of different actions, may
provide a higher level of security, or a combination thereof, for
instance.
[0018] In particular embodiments, this invention provides, for
example, various methods of authenticating access. In particular
examples, such methods include, (e.g., in the following order or in
another order) various acts. Some such embodiments include the acts
of receiving from a person seeking access, identification indicia
for the person seeking the access, and sending a first automated
message, for example, through a mobile phone network, to a mobile
phone of a person having authority for the access. In some such
embodiments, the first automated message includes an identification
of the access requested and a request for an affirmative action to
indicate authorization of the access, or a password (or both). Many
such methods also include at least one of the acts of receiving the
password from the person seeking the access, and receiving from the
mobile phone of the person having authority for the access, a
second message indicating, for example, that the person having
authority for the access has taken the affirmative action to
indicate authorization of the access.
[0019] In some of these embodiments, the act of sending the first
automated message consists of sending the first automated message
through the mobile phone network to a mobile phone of the person
seeking the access. Some embodiments include the specific acts of
sending the first automated message through the mobile phone
network to the mobile phone of the person having authority for the
access (e.g., the first automated message containing the password),
and receiving the password from the person seeking the access. In
some such embodiments, for example, the person seeking the access
is seeking computer access to electronically stored information.
Some embodiments further include the acts of asking the person
seeking the access a personal question about the person having
authority for the access, and receiving from the person seeking the
access a present answer to the personal question. Some of these
embodiments also include the acts of comparing the present answer
to a previous answer to the personal question provided by the
person having authority for the access, and proceeding to send the
first automated message containing the password only if the present
answer matches the previous answer. In some such embodiments, the
first automated message contains the personal question and the
second message contains the present answer, for example.
[0020] Other embodiments include the specific act of sending the
first automated message through the mobile phone network to the
mobile phone of the person having authority for the access (e.g.,
the first automated message containing the identification of the
access requested and the request for an affirmative action to
indicate authorization of the access). These embodiments may also
include the specific act of receiving from the mobile phone of the
person having authority for the access, the second message (e.g.,
indicating that the person having authority for the access has
taken the affirmative action to indicate authorization of the
access). Some such methods further include the acts of encrypting
the first automated message (e.g., before the sending of the first
automated message to the mobile phone of the person having
authority for the access), and decrypting the second message (e.g.,
after the receiving of the second message from the mobile phone of
the person having authority for the access).
[0021] Some of these embodiments further include the acts of
receiving a present password from the person seeking the access,
comparing the present password to a previous password stored in
memory, and proceeding to provide the access only if the present
password matches the previous password. Further, in many
embodiments the first message, the second message, or both, is an
SMS message. In many embodiments, such messages may be received
through the mobile phone network, for example.
[0022] In a number of embodiments, the sending the first automated
message consists of sending the first automated message through the
mobile phone network to a mobile phone of the person seeking the
access, and the person seeking the access is seeking physical
access to a controlled space.
[0023] On the other hand, in some embodiments, the person seeking
the access is a first person, the person having authority for the
access is a second person, and the first automated message
comprises an identification of the first person who is seeking the
access.
[0024] In certain embodiments, the receiving of the identification
indicia for the person seeking the access involves receiving a
near-field communications signal from a mobile phone of the person
seeking the access. Some of these methods further include the act
of receiving, through an Internet website, a mobile phone network,
or both, from each of at least a plurality of persons who have
authority for access, an indication of a criteria for obtaining
authorization for access for the person. Further, in some
embodiments, the first automated message includes at least one menu
and at least one prompt to authorize the access by making a
selection from the menu. Further still, some methods include, after
the act of receiving the identification indicia, and before the act
of sending of the first automated message, the acts of looking up
the identification indicia in a database, and obtaining from the
database a phone number for the mobile phone of the person having
authority for the access.
[0025] In other embodiments, this invention also provides, as
another example, various methods of providing positional awareness
of a particular individual. Certain such methods include (at least)
the acts of obtaining or storing at least one location coordinate
defining at least one region of concern, monitoring the location of
a first mobile phone possessed by the particular individual, and
providing an alarm, for example, through a second mobile phone when
the first mobile phone passes into the region of concern or within
a predetermined distance of the region of concern. In some such
embodiments, for example, the location coordinate is for a reported
residence of a registered sex offender.
[0026] A number of embodiments of such methods further include, for
example, the acts of providing a first mobile phone software module
for installation on the first mobile phone, and providing a second
mobile phone software module for installation on the second mobile
phone. In some such embodiments, the first mobile phone software
module includes programming instructions for the monitoring of the
location of the first mobile phone possessed by the particular
individual, and in some embodiments, the second mobile phone
software module includes programming instructions for the providing
of the alarm through the second mobile phone when the first mobile
phone passes into the region of concern or within the predetermined
distance of the region of concern.
[0027] Particular embodiments of such methods further include the
act of obtaining or providing a third software module installed on
at least one Internet server and forming at least one Internet
website. In some such embodiments, at least a plurality of users
visit the website through the Internet and elect to be provided the
alarm through the second mobile phone. In a number of such
embodiments, the third software module further contains
instructions to download through a mobile phone network to the
first mobile phone a first mobile phone software module, wherein
the first mobile phone software module includes programming
instructions for the monitoring of the location of the first mobile
phone possessed by the particular individual. Further, in some such
embodiments, the third software module further contains
instructions to download through a mobile phone network to the
second mobile phone a second mobile phone software module, wherein
the second mobile phone software module includes programming
instructions for the providing of the alarm through the second
mobile phone when the first mobile phone passes into the region of
concern or within the predetermined distance of the region of
concern.
[0028] Moreover, in many embodiments, at least a plurality of the
users enter through the Internet website at least one location
coordinate defining at least one region of concern. On the other
hand, in some embodiments, the third software module further
contains instructions to obtain from a third party website data
with which to determine at least one location coordinate defining
at least one region of concern. In some such embodiments, the third
party website contains reported residence locations for a plurality
of registered sex offenders, there are at least a plurality of
regions of concern, and at least a plurality of the regions of
concern surround at least one of the reported residences of the
registered sex offenders.
[0029] Furthermore, in some embodiments, various third parties,
such as merchants, businesses, banks, airlines and the like may
provide information, for example, to the website. Information may
be transmitted from the website to the phone, or vice versa, via a
telephone signal or through a mobile telephone network, for
example, at particular times or as needed. In some embodiments, a
user may be alerted to certain information or changes in
information that meet certain criteria. Further, in particular
embodiments, a software module receives e-mails, searches the
e-mails, extracts information, and sends the information to the
user's mobile phones.
[0030] Various embodiments of the invention provide as an object or
benefit that they partially or fully address one or more of the
needs, potential areas for benefit or improvement, and functions
described herein, for instance. The present invention provides
various embodiments that may store or make available information,
items, or functionality in a mobile phone. Various embodiments may
provide a higher level of data security, be easier to use,
accomplish more functions, contain more useful information, provide
a better level of control, provide easier management and
replacement if lost or stolen, or a combination thereof, in
comparison with various prior art. Various embodiments may, for
example, manage personal information for a number of users, sort
certain information, provide alarms, transfer information between,
for instance, a server and mobile phones, and store information on
mobile phones in a manner that facilitates access by the users.
[0031] In a number of different embodiments, this invention also
provides systems and methods for authorizing actions,
authenticating access, and providing positional awareness for
multiple users using mobile phones. Various embodiments provide,
for example, as objects or benefits, systems or methods for
authorizing such actions that do not require the users to carry
additional cards or keys or to remember additional passwords,
codes, or information. Particular embodiments use items (e.g.,
mobile phones) already carried by the users and that are frequently
used and controlled by the user. Some embodiments may be more
convenient, may offer alternatives, may be easily trackable, may
provide an ability to authorize a variety of different actions, may
provide a higher level of security, or a combination thereof, for
instance. Further features and advantages of the invention may be
apparent to those skilled in the art.
[0032] In particular embodiments, this invention provides, for
example, various systems including a first software module of a
server, where the first software module is recorded on a
computer-readable medium and includes programming instructions to
receive a request for information from a user. The user sends a
text message to a short code, where the information depends on a
generic assigned identification associated with real estate
information, automobile information, and/or personal property
information. The server communicates with a third party server to
obtain the real estate information, automobile information, and/or
personal property information requested by the user. The server
sends the real estate information, automobile information, and/or
personal property information to a mobile phone of the user through
a mobile phone network.
[0033] In another embodiment, this invention includes a system
having a first software module of a server recorded on a
computer-readable medium and including programming instructions to
receive a request for real estate information from a user using at
least one of a short code, a long code, and a generic assigned
identification; communicate with a real estate server to obtain
real estate information requested by the user; and send the real
estate information requested by the user to a mobile phone of the
user through a mobile phone network.
[0034] In another embodiment, this invention includes a system
having a first software module of a server recorded on a
computer-readable medium and including programming instructions to
receive a request for information from a user via at least one of a
text message and a short message service message sent to at least
one of a short code and a long code, wherein the information
requested by the user depends on a generic assigned identification
associated with at least one of real estate information, automobile
information, and personal property information; obtain at least one
of real estate information, automobile information, and personal
property information requested by the user; and send the at least
one of real estate information, automobile information, and
personal property information requested by the user to a mobile
phone of the user through a mobile phone network.
[0035] In another embodiment, the first software module includes
programming instructions to: create at least one of a text message,
a multimedia messaging service (MMS) message, an email message, and
a short message service (SMS) message including real estate
information requested by the user related to a Multiple Listing
Service listing; configure at least one of a text message, a
multimedia messaging service (MMS) message, an email message, and a
short message service (SMS) message with a nugget of predefined
information; configure whether at least one of a text message, a
multimedia messaging service (MMS) message, an email message, and a
short message service (SMS) message should be sent to a third party
each time the user requests real estate information; be capable of
purchasing at least one of short message service (SMS) credits,
email credits and multimedia messaging service (MMS) credits for at
least one of a text message, a multimedia message service (MMS)
message, an email message, and a short message service (SMS)
message; allow the user to receive automatic updates of real estate
information related to a Multiple Listing Service listing via at
least one of a text message, a multimedia messaging service (MMS)
message, an email message, and a short message service (SMS)
message; allow the user to receive information about at least one
of a real estate agent, a Multiple Listing Service listing, and
real estate information based on the request for real estate
information from the user; at least one of encrypt the real estate
information before sending the real estate information to the
mobile phone of the user, decrypt the real estate information,
compress the real estate information before sending the real estate
information to the mobile phone of the user, and decompress the
real estate information.
[0036] In another embodiment, a second software module for running
on the mobile phone of the user is recorded on a computer-readable
medium and includes programming instructions to: store the real
estate information on the mobile phone of the user; and provide
access to the real estate information by the user.
[0037] Some embodiments various systems for managing information
for multiple users using the Internet and mobile phones of the
users. In many embodiments, the system includes a first software
module for sorting information, that may be recorded on a
computer-readable medium, for example, and which includes
programming instructions to receive a plurality of select e-mails
containing information about the business of the user, to search
more than one of the select e-mails for at least one of keywords
and identifying numbers, to extract the particular information from
the select e-mails, and to send the particular information to the
user's mobile phone through a mobile phone network. Various such
embodiments also include a second software module for running (or
that is running) on the user's mobile phone (e.g., recorded on a
computer-readable medium), which includes programming instructions
to store the particular information on the user's mobile phone, and
to provide access to the particular information by the user.
[0038] Some such embodiments also include a third software module
configured for running on the user's computer, (e.g., that is
recorded on a computer-readable medium or that is actually running
on the user's computer) that includes programming instructions to
search for e-mails from at least one particular sender and to send
the e-mails from the (at least one) particular sender, through the
Internet, to the first software module. Further, in some
embodiments, the first software module includes programming
instructions to encrypt, compress, or both, the particular
information before sending the particular information to the user's
mobile phone, and the second software module includes programming
instructions to decrypt, decompress, or both, the particular
information.
[0039] Additionally, in certain embodiments, the first software
module includes programming instructions to receive instructions
from the user identifying at least one threshold for alarm for at
least a portion of the particular information, and the first
software module or the second software module (or both) includes
programming instructions to compare at least a portion of the
particular information to the threshold. Furthermore, in some
embodiments, the first software module or the second software
module (or both) includes programming instructions to provide an
alarm to the user if the particular information passes the
threshold.
[0040] For example, in some embodiments, for each of a plurality of
the users, the particular information includes financial account
information including amounts of withdrawals or debits (or both)
from an account, the at least one threshold includes the amount of
a withdrawal or debit, and the first software module or the second
software module (or both) includes programming instructions to
provide an alarm to the user if a withdrawal or a debit (or both)
exceeds the threshold. In another example, the particular
information includes travel information including a departure time
or a departure location (or both), and the first software module or
the second software module (or both) includes programming
instructions to provide an alarm if there is a change in the
departure time or the departure location (or both).
[0041] Further, in a number of embodiments, the second software
module contains programming instructions to allow the user to
select at least a portion of the particular information that is
stored on the mobile phone, select or enter a third party mobile
phone number, and elect to send the portion of the particular
information to the third party mobile phone. In some embodiments,
for example, the first software module further contains
instructions to evaluate whether the third party mobile phone
contains a copy of the second software module, and if it does, then
to send the portion of the personal information to the second
software module on the third party mobile phone, for instance,
through the mobile phone network.
[0042] In other embodiments, the invention provides various methods
of managing information for multiple users using the Internet and
mobile phones of the users. Certain such methods include an act of
receiving, at an information sorting software module, select
e-mails containing information about the business of the user. In
many such embodiments, the user has caused the select e-mails to be
sent to the information sorting software module. Such methods may
also include, using the information sorting software module, an act
of searching the select e-mails for keywords or identifying numbers
(or both), and extracting the particular information from the
select e-mails.
[0043] In a number of embodiments, such methods also include
sending the particular information to the user's mobile phone, for
example, through a mobile phone network, for storage on the user's
mobile phone and access by the user. Some such embodiments also
include repeating the searching, the extracting, and the sending.
Various embodiments of such methods may be performed in various
orders and may include additional acts.
[0044] Some such methods further include, for example, using the
information sorting software module, acts of searching the select
e-mails for a keywords or identifying numbers (or both), and
identifying a fraction of the select e-mails containing the
particular information. In some embodiments, the extracting of the
particular information includes extracting such particular
information only from the fraction of the select e-mails. Further,
in some embodiments, before the receiving of the select e-mails,
also included is an act of configuring the user's e-mail handling
software module to automatically forward incoming e-mails from at
least one particular third party to the information sorting module.
In many such embodiments, the select e-mails include the incoming
e-mails from the (at least one) particular third party.
[0045] Moreover, some such methods further include, before the
receiving of the select e-mails, instructing at least one
particular third party to send e-mails containing information about
the business of the user to the information sorting module. In some
such embodiments, the select e-mails include the e-mails containing
information about the business of the user, for example.
Additionally, in some embodiments, the searching includes searching
for e-mails from at least one particular sender, and the extracting
of the particular information includes extracting the particular
information only from the e-mails from the (at least one)
particular sender. And in some embodiments, such methods may
include, for instance, after the extracting of the particular
information and before the sending of the particular information to
the user's mobile phone, encrypting the particular information,
compressing the particular information, or both.
[0046] Further, in some embodiments, the method may include an act
of receiving instructions from the user identifying at least one
threshold for alarm for at least a portion of the particular
information. In some such embodiments, after the extracting of the
particular information, the method may include the acts of
comparing at least a portion of the particular information to the
threshold for alarm, and providing an alarm to the user if the
particular information passes the threshold. For instance, in some
such methods, for each of multiple users, the particular
information includes financial account information including an
amount of a withdrawal or a debit from an account, and the
threshold is an amount of the withdrawal or debit beyond which the
alarm is provided. In another example, for each of more than one of
the users, the particular information includes travel information
including a departure time or a departure location (or both), and
an alarm is provided if there is a change in the departure time or
the departure location (or a change in both).
[0047] Still other embodiments include, upon instruction by the
user, for example, transmitting at least a portion of the
particular information to a third party mobile phone through the
mobile phone network for storage on the third party mobile phone,
for instance, for access by the third party. In some such
embodiments, at least a portion of the particular information does
not include a complete e-mail, and in some embodiments, the (at
least a portion of the) particular information includes a travel
itinerary. In addition, other embodiments of the invention are also
described herein.
BRIEF DESCRIPTION OF THE DRAWINGS
[0048] FIG. 1 is a block diagram illustrating, among other things,
an example of an environment in which various embodiments of the
invention may operate and various examples of systems of managing
information for a number of users, illustrating examples of
embodiments of the invention;
[0049] FIG. 2 is a flowchart illustrating examples of various
methods, including, for instance, methods of managing information
for at least a plurality of users using the Internet and mobile
phones of the users;
[0050] FIG. 3 is a flowchart illustrating examples of various
methods, including, for instance, methods of authorizing actions,
methods of authenticating transactions, and methods of
authenticating access, in many embodiments, using mobile
phones;
[0051] FIG. 4 is a flowchart illustrating examples of various
methods, including, for instance, methods of providing positional
awareness, in many embodiments, using mobile phones;
[0052] FIGS. 5 and 6 are block diagrams illustrating particular
examples of systems of managing and disseminating information for a
number of users;
[0053] FIG. 7 is a block diagram illustrating an environment where
server 15 manages and disseminates information to users 21, 22, and
23; and
[0054] FIG. 8 illustrates a flowchart illustrating examples of
various methods of using server 15 to communicate with one or more
of users 21, 22, and 23 to provide at least one of real estate
information, automobile information, and personal property
information to users 21, 22, and 23.
[0055] The drawings illustrate, among other things, various
particular examples of embodiments of the invention, and certain
examples of characteristics thereof. Different embodiments of the
invention include various combinations of elements or acts shown in
the drawings, described herein, known in the art, or a combination
thereof.
DETAILED DESCRIPTION OF EXAMPLES OF EMBODIMENTS
[0056] Examples of embodiments of the invention include
apparatuses, systems, for instance, with server modules and phone
modules (e.g., stored or recorded on a computer-readable medium),
and methods of managing information and providing alarms.
Particular embodiments include systems of managing personal
information for a number of users, each user having a mobile phone
operating on a mobile phone network, and methods of managing
information for multiple users using the interne and mobile phones
of the users. Further, in a number of embodiments, a software
module receives e-mails, searches the e-mails, extracts
information, and sends the information to the user's mobile
phones.
[0057] Particular embodiments include methods for authorizing
actions using mobile phones. Embodiments may include acts such as
receiving from a person having authority to authorize the action,
an identification of a phone number for obtaining authorization for
the action, and receiving from a person seeking the action a
request for authorization of the action. Certain embodiments also
include acts such as sending a first message through a mobile phone
network to the mobile phone, including a description of the action
for which authorization is requested, and receiving, from the first
mobile phone, a second message, which authorizes the action.
Actions that are authorized, in different embodiments, include
computer access, physical access, and financial transactions, as
examples. In various embodiments, the phone number may be received
through the mobile phone network, through the Internet, through a
local signal, or directly from the user, as examples.
[0058] Other embodiments include methods for authenticating access
and providing positional awareness using mobile phones. Examples of
embodiments for authenticating access include receiving
identification indicia from a person seeking access, sending a
message to a person having authority for access, and receiving
either a second message indicating that the person has taken an
affirmative action to indicate authorization, or a password that
was provided in the first message. Access may be computer access or
physical access, as examples. Examples of methods of providing
positional awareness include obtaining or storing location
coordinates, monitoring the location of a mobile phone, and
providing an alarm, for example, through a second mobile phone. In
a number of embodiments, location coordinates are automatically
obtained from Internet websites, for example. In some embodiments,
for example, parents can monitor the location of their children to
make sure they do not get too close to a reported residence of a
registered sex offender, for instance.
[0059] Various embodiments of the invention provide on mobile
devices, items or information that might otherwise be found in a
person's wallet or purse, for example. Such a mobile device may be
a phone, Palm Pilot, personal digital assistant, or the like, for
example. The mobile device is often referred to herein as a "phone"
or "mobile phone", but it should be understood that it may have
other functionality or be another type of mobile device in some
embodiments. Thus, in certain embodiments, a person may be able to
leave their wallet or purse behind and bring just their phone, for
example, when they leave home, go shopping, go to a restaurant,
travel, or the like, or their phone may provide a backup to their
wallet, for instance, or vice versa. In other embodiments, a phone
may provide a portion of the functionality or information found in
a wallet, or may contain additional information or functionality as
well.
[0060] In some embodiments, a user may be able to enter information
into a website, or may authorize entry of information into the
website by others, which may be transmitted to the phone
automatically for storage. In addition, in some embodiments, users
may be able to enter information through their phone for transfer
to the website server. In various embodiments, third parties, such
as airlines, financial institutions such as banks, and the like,
may provide information to the website, some or all of which may be
transferred to the phone. Further, in some embodiments, certain
such information may provide an alert or alarm to the user, for
example, regarding important information such as notification of
large deposits or withdrawals, changes in flight information,
location of children, etc. In various embodiments, a user may be
able to view other information on the phone, on the website, or
both, such as, for example, bank account balances, transaction
histories, frequent flier miles, credit card bills, automatic
deposits and withdrawals, insurance information, warranties,
service contracts, and the like.
[0061] FIG. 1 illustrates an example of an environment in which
various embodiments of the invention may operate, and also
illustrates various examples of systems, including systems of
managing information for a number of users. System 100 is, among
other things, an example of an Internet-based system for managing
information that is transferred to and stored on a mobile phone,
which is accomplished in many embodiments while maintaining an
acceptable level of data security. In the example of system 100,
users 21, 22, and 23 own, use, control, or have access to mobile
phones 41, 42, and 43 respectively, which are serviced through
mobile phone network 40. Although one mobile phone network 40 is
shown, some embodiments may include or use a number of mobile phone
networks, which may be interconnected, for example. As used herein,
unless specifically stated otherwise, a "mobile phone network" may
be a cellular network, a WiFi system, WiMAX, or another way to
network mobile phones. Further, the three users 21 to 23 and mobile
phones 41 to 43 shown may serve as examples of a larger number of
users and mobile phones. Many users of system 100 may have access
to the Internet 10. For example, in the embodiment illustrated,
user 23 has access to the Internet 10 through personal computer 13.
Further, in this embodiment, mobile phone network 40 is in
communication with the Internet 10, or information is capable of
being communicated (e.g., in one or both directions) between mobile
phone network 40 and the Internet 10.
[0062] In the embodiment illustrated, server 15 is in communication
with the Internet 10. In this embodiment, server 15 is part of
system 100, which provides an example of a system of managing
personal information for a plurality of users (e.g., 21 to 23),
each user having a mobile phone (e.g., 41 to 43) operating on a
mobile phone network (e.g., 40). In this example, system 100
includes, on server 15, (at least one) first software module 61.
Although shown just on server 15, in some embodiments, module 61
may be installed on or operating on more than one server. For
example, server 15 may include multiple servers, such as one or
more of a firewall server, a database server, an SMS gateway
server, a web server, a domain server, or any other server. In
certain embodiments, software module 61 may form at least one
website 65. In this embodiment, multiple users (e.g., 21 to 23) may
access or visit website 65 through the Internet 10 and elect to
have their personal information managed through system 100 using
their mobile phones (e.g., 41 to 43). For example, user 23 may
access website 65 through computer 13 and internet 10. In different
embodiments, computer 13 may be a desk top personal computer, a lap
top or notebook computer, a PDA, etc. In some embodiments, users
may access website 65 on server 15 through their phones (e.g., 41
to 43), through mobile phone network 40, or both, as examples.
[0063] In many embodiments, first software module 61 provides
secure storage 64 for each user's (e.g., 21 to 23) personal
information, for example, received from the user. In a number of
embodiments, storage 64 may also be used to store personal
information about the users that has been received by module 61 or
server 15 from at least one third party, which may be acting on
behalf of the user to provide information to the user, for example.
In the embodiment illustrated, third party 33 may provide such
information to module 61 through the Internet 10, and third party
31 may provide such information to module 61 through mobile
telephone network 40 and the Internet 10. In some embodiments,
information that is communicated through mobile telephone network
40 may also, or instead, be communicated through a traditional
phone network, for example, that provides direct wired phone
service for a number of users.
[0064] In the embodiment illustrated, third party 32 also provides
information to module 61 on server 15 through a communication means
other than the Internet 10. Such a communication means may be, for
example, a private network, a local area network (LAN) a wide area
network (WAN), a telephone network, a financial or bank card
network, etc. Third parties 31, 32, and 33 are examples of data
providers, or personal data providers. Third parties 31 to 33 may
be, for example, financial institutions, airlines, bank card
providers, merchants, an employer or employee of the user, news
providers, health care providers, insurance companies, stock
brokers, governmental agencies, non-governmental organizations,
etc.
[0065] In some embodiments, for example referring to FIGS. 1 and 7,
server 15 communicates with one or more third parties 31, 31, and
32 and/or users 21, 22, and 23 to disseminate information to users
21, 22, and 23. For example, server 15 may communicate with one or
more real estate servers, so that real estate agents can
disseminate information to users 21, 22, and/or 23 (e.g.,
prospective clients) and collect the users' contact information for
current and future real estate sales, leases, etc., for example.
Third parties 31, 32, and/or 33 can each be a real estate server,
such as a Multiple Listing Service (MLS) server. In other
embodiments, server 15 acquires and stores various information
(e.g., real estate information, automobile information, personal
property information), so that access to a real estate server or
other third party (31, 32, 33) is not necessary to provide
information that users 21, 22, and/or 23 may request. Server 15 can
acquire and store information (or have access to other servers with
information) on taxes (e.g., real property tax information), lender
or mortgage options, title agencies or titles, property inspections
and inspectors, property appraisals, school districts, crime
statistics, or any other items desirable to users 21, 22, and/or
23. Various embodiments of system 100 help real estate agents and
users 21, 22, and/or 23 exchange information to quickly aid users
21, 22, and/or 23 in purchasing, leasing, or learning about various
pieces of real property.
[0066] In some embodiments, a real estate agent 703 creates a label
701 with an assigned short code (or long code) and a generic
assigned identification (ID) (e.g., a keyword) for a piece of real
property (e.g., a house). Label 701 may be attached to real estate
agent's 703 sign located outside of the house or advertised through
magazines, web/Internet, or other means/media, as examples. Short
codes are also referred to as short numbers, dedicated short codes,
shared short codes, or Common Short Codes (CSC) (e.g., special
telephone numbers that can be used to address SMS and Multimedia
Messaging Service (MMS) messages from phone 41, 42, or 43). For
example, the generic assigned ID includes a keyword sent in a
message to the short code (or long code), the Multiple Listing
Service (MLS) listing number sent in a message to the short code
(or long code), or a generic assigned ID for a piece of real
property (e.g., a house) sent in a message to the short code (or
long code). For example, server 15 or real estate agent 703 may
store real estate information or have access to a Multiple Listing
Service (MLS) server. User 21 sends a keyword (e.g., house 1234) to
a short code (e.g., 54321) via phone 41. Server 15 or real estate
agent 703 are notified that user 21 requests information on house
1234, and server 15 or real estate agent 703 provide information on
house 1234 to user 21 by sending an SMS message or MMS message to
user 21 via the internet, an SMS gateway (or MMS gateway), and
phone 41. In this example, user 21 sends an SMS message or MMS
message for house 1234 to short code 54321 via phone 41. Since
short code 54321 is assigned to server 15, server 15 has
information stored on house 1234 (e.g., server 15 has a nugget of
predefined information on house 1234 stored). Server 15 provides
the nugget of information on house 1234 to user 21 by replying to
the SMS message or MMS message user 21 previously sent to short
code 54321. Server 15 has an SMS gateway with a nugget of
predefined information associated with each keyword (e.g., "house
1234", "ABCD", or any other keyword), so that it can easily return
the specific information user 21 requests.
[0067] First software module 61 of server 15 is recorded on a
computer-readable medium and includes programming instructions to
receive information about one or more real estate agents 703 to
create one or more real estate agent accounts. In an exemplary
embodiment, with continued reference to FIGS. 1 and 7, real estate
agent 703 receives a real estate agent account at server 15 or a
vendor 705 (e.g., a service provider, title agency, mortgage
broker, MLS listing service, or any other service used by real
estate agents, merchant, third party, or other entity) directly or
via server 15. In this exemplary embodiment, the real estate agent
account enables real estate agent 703 to perform the following
tasks via server 15: create an SMS or MMS message for a property
listing, customize the message, activate and de-activate a message,
configure the message, purchase SMS, email credits, or MMS credits,
and view reports. The real estate agent account can be set-up and
configured in various ways depending on the needs of real estate
agent 703.
[0068] Real estate agent 703 creates an SMS or MMS message for a
property listing (e.g., an MLS listing) for the generic assigned ID
(or a keyword) via server 15. For example, real estate agent 703
can purchase one or more generic assigned IDs from server 15. Real
estate agent 703 customizes the message for specific keywords
relevant to the information requested by users 21, 22, and/or 23
via server 15. Real estate agent 703 activates and/or de-activates
a message depending on the circumstances (e.g., if a property has
been sold or is in escrow, then information about that MLS listing
is deactivated) via server 15. Real estate agent 703 configuring
the message via server 15 includes having a start date and an end
date of the property listing, deciding if an SMS or MMS or email
should be sent to real estate agent 703 every time a user (e.g.,
perspective buyer) requests information, and responding to the
user's request for information on a property listing by further
requesting that the user provide an email address to send further
information about the property listing to the email address
provided by the user. If the user provides an email address, then
server 15 can send the user an SMS message, email, or MMS message
with more detailed information about the property (e.g.,
pictures/photos, video, live video, room-by-room size or other
information, demographics, real property tax, lender or mortgage
options, title agencies or titles, property inspections and
inspectors, property appraisals, school districts, crime
statistics, or any other items desirable to the user). For example,
server 15 can send a link (e.g., WAP push) to the user via an SMS
message or MMS message with such information (e.g., such as a
message with a link to a WAP address). Server 15 can also
communicate with phone 41, 42, or 43 of the user and by using
location based services provide information about other properties
in a neighborhood or zip code, information about other properties
in the location of phone 41, 42, or 43 based on the global
positioning system of phone 41, 42, and 43 at any instance in time,
or any other location specific information the user may desire.
Real estate agent 703 purchases SMS or MMS credits from server 15
and can make the SMS or MMS credits available for users 21, 22,
and/or 23 to use. Real estate agent 703 viewing reports includes
identifying the number of perspective buyers, phone numbers of the
perspective buyers, and other relevant information.
[0069] Perspective users 21, 22, and/or 23 (e.g., property buyers)
may use phone 41, 42, or 43 (such as a mobile phone or cell phone
in some embodiments) to retrieve information about the property by
sending a short message service (SMS) message, MMS message, or text
message, for example, to the short code (or long code) and type the
MLS listing number or a generic assigned ID for the house as the
text for the message. For example, label 701 may include
information to send a message including the generic assigned ID for
the house (e.g., ABCDE), an MLS listing, or any other identifying
information to the short or long code (e.g., 65203). SMS gateways
can be used for sending and receiving SMS messages (or MMS gateways
can be used for sending and receiving MMS messages). For example,
although not illustrated in FIG. 1, an SMS gateway or an MMS
gateway is typically between phone network 40 and internet 10 or
internet 10 and server 15 or a part of server 15. Server 15, phone
41, 42, or 43, and/or third parties 31, 32, and/or 33 can send or
receive SMS or MMS messages via such an SMS gateway or MMS
gateway.
[0070] In some embodiments, once server 15 receives the SMS or MMS
message, server 15 retrieves information about the MLS listing, and
in some embodiments, server 15 may format the information, attach a
personal or generic message from real estate agent 703, or both,
and send the information to users 21, 22, and/or 23. Server 15
receives a request for information from user 21, 22, and/or 23 via
the SMS or MMS message, where the information depends on at least
one of the short code, long code, and a generic assigned ID
associated with at least one of real estate information, automobile
information, and personal property information. Server 15
communicates with third parties 31, 32, and/or 33 (e.g., a car
dealership server, an AUTOTRADER.TM. server, or an EBAY.TM. server)
to obtain at least one of real estate information, automobile
information, and personal property information requested by user
21, 22, and/or 23. For example, server 15 communicates with third
parties 31, 32, and/or 33 (e.g., the MLS server) to retrieve the
information about the MLS listing. Communication between server 15
and third parties 31, 32, and/or 33 can be through a HTTP/HTTPS
protocol and/or Web Service over an internet connection. Server 15
requests information from an MLS server using the MLS listing
number as the keyword. The MLS server responds to the request by
server 15 by providing data corresponding to the particular MLS
listing. Server 15 extracts the relevant information (e.g., price,
number of bedrooms, number of bathrooms, square footage,
description, and any other desirable information). This relevant
information is formatted to a package of information that is often
less than 160 characters if it is to fit in one SMS message. Server
15 can format the information (e.g., taking the SMS or MMS message
information in a desirable format (e.g., limited number/type of
characters) and converting the information into a more desirable
format). Server 15 can attach a message (e.g., from real estate
agent 703) and send the at least one of real estate information,
automobile information, and personal property information requested
by user 21, 22, and/or 23 to phone 41, 42, and/or 43 of user 21,
22, and/or 23 through a mobile phone network. Real estate agent 703
has the ability to access server 15 via web (the Internet) and
modify the property listing (e.g., house data) in some
embodiments.
[0071] FIG. 8 illustrates a flowchart illustrating examples of
various methods of using server 15 to communicate with one or more
of users 21, 22, and 23 to provide at least one of real estate
information, automobile information, and personal property
information to users 21, 22, and 23. Server 15 receives a request
for information from one or more of users 21, 22, and 23 (act 801).
Users 21, 22, and 23 send the request for information via at least
one of a text message, multimedia messaging service message, and a
short message service message sent to at least one of a short code
and a long code (act 803). The information requested by users 21,
22, and 23 depends on a generic assigned identification associated
with at least one of real estate information, automobile
information, and personal property information. Server 15
communicates with one or more third parties 31, 32, or 33 to obtain
at least one of real estate information, automobile information,
and personal property information requested by users 21, 22, and 23
or otherwise has access to at least one of real estate information,
automobile information, and personal property information requested
by users 21, 22, and 23 (e.g., within server 15) (act 805). Server
15 sends the at least one of real estate information, automobile
information, and personal property information requested by users
21, 22, and 23 to one or more phones 41, 42, 43 of users 21, 22,
and 23 via at least one of a text message, a multimedia messaging
service (MMS) message, and a short message service (SMS) message
through phone network 40 (act 807).
[0072] In one exemplary embodiment and with further reference to
FIG. 1, a second software module 72 (described below) for running
on phone 41, 42, and/or 43 of user 21, 22, and/or 23 is recorded on
a computer-readable medium and includes programming instructions to
store at least one of real estate information, automobile
information, and personal property information on phone 41, 42,
and/or 43 of user 21, 22, and/or 23. Second software module 72 also
includes programming instructions to provide access to at least one
of real estate information, automobile information, and personal
property information by the user.
[0073] Real estate agent 703 can configure messages and view
reports via communication with server 15. Real estate agent 703 can
change the information provided to server 15, on a property
listing, or on the MLS listing. Real estate agent 703 can configure
its profile or environment with server 15 to alert real estate
agent 703 if any of users 21, 22, or 23 request specific
information, send a message to a short or long code, or otherwise
communicate with server 15. Some embodiments include one or more of
the following features: perspective users (e.g., buyers) can
register on the web to receive updates through SMS, MMS, or email
about a property listing; real estate agents can automatically send
their contact information through email, MMS, or SMS to perspective
buyers; and real estate agents can offer a service to SMS, MMS, or
email perspective buyers when a property listing becomes available
that match the buyer's profile (e.g., in certain
areas/neighborhoods or size or price or any other desired
feature).
[0074] With further reference to FIG. 1, website 65 may include a
main or home page (or more than one such page) to which new users
and new third parties may be directed. New users may be directed to
this page or pages or to website 65 by search engines, advertisers,
brokers, agents, or the like, as examples. Users (e.g., 21 to 23)
may be assigned (or asked to elect) user names, user ID's,
passwords, etc., which they may use to access secure areas or pages
of website 65, for example, where their personal information may be
entered, displayed, updated, etc. In some embodiments, security of
such areas may be provided, for example, using novel systems and
methods which may be described herein, for instance. In some
embodiments, these secure areas may include information entered by
third parties (e.g., 31, 32, and 33). Further, in some embodiments,
third parties (e.g., 31 to 33) may have their own secure areas
(e.g., that are password protected, or protected as described
herein), for example, within website 65 or on server 15 or another
server, in which the third parties (e.g., some or all of 31, 32,
and 33) may be able to enter, view, update, or a combination
thereof, information for a number of users.
[0075] In some embodiments, the first software module 61 filters
the personal information and selects nuggets of the personal
information which the first software module 61 sends to the mobile
phone (e.g., 41) of the appropriate user (e.g., 21). As used
herein, a "nugget of information" is a discrete piece of
information that is a subset of the total information. Nuggets of
information may be in digital form, for example, and may be in text
form, in the form of numbers or values, or a combination thereof,
as examples. In some embodiments, nuggets may include pictures,
text, graphics, or the like, as further examples. These nuggets may
be sent, for example, through mobile phone network 40, for
instance, and may be sent as text, MMS messages, or short message
service (SMS) messages, for instance. In some embodiments, server
15 may access mobile phone network 40 through the Internet 10, for
example.
[0076] In the embodiment illustrated, a second software module 72,
is operating (e.g., independently) on more than one of the mobile
phones (e.g., 41 to 43, although module 72 is shown only on phone
41). Further, in this embodiment, the second software module 72 is
configured to receive the nuggets of the personal information of
the user (e.g., 21) from the first software module 61 through the
Internet 10 and through mobile phone network 40, and to store the
personal information on mobile phone 41 so that the personal
information may later be accessed by user 21, for example, even
when mobile phone 41 is not connected to mobile phone network 40.
In the embodiment illustrated, user 21 may access the personal
information, for instance, by viewing folder 76 containing nuggets
78 and 79, which may be organized by subject matter, for example.
One such subject may be financial information, for example, which
may include account balances, transaction records, etc., and
another such subject, in some embodiments, may be travel
information, as another example, which may include, for example,
flight departure times and locations, etc. Other examples of
subjects are described herein, and include insurance information,
bank card information, medical records, appointments, and the
like.
[0077] In some such embodiments, for multiple users (e.g., 21 to
23), second software module 72 is downloadable by the users from
first software module 61 to the mobile phones (e.g., 41 to 43), for
example, through website 65, through the Internet 10, through
mobile phone network 40, or a combination thereof. Further, in some
embodiments, for many of the users (e.g., 21 to 23), first software
module 61 includes instructions to search some or all of the
e-mails received for or to the users (e.g., 21 to 23) for keywords,
identifying numbers, or both, and to select the nuggets (e.g., 78
and 79) of the personal information from the e-mails using the
keywords, identifying numbers, or both. For example, software
module 61 may search e-mails received for a specific user (e.g.,
21, 22, or 23) for account numbers, flight numbers, names of third
parties (e.g., one or more of 31, 32, and 33), etc., and may
extract nuggets of information pertaining thereto. In some
embodiments, software module 61 may search all e-mails (e.g., sent
to particular users), while in other embodiments, only e-mails from
certain sources, or certain e-mail addresses may be searched.
[0078] In addition, in some such embodiments, for many or all of
the users, second software module 72 contains instructions to allow
the user (e.g., 21) to select at least a portion of the personal
information that is stored on the mobile phone (e.g., select nugget
78), select or enter an identifier of at least one of a different
party (e.g., 22) and a different party mobile phone (e.g., 42), and
elect to send the personal information (e.g., nugget 78) to the
different party mobile phone (e.g., 42). Examples of such a
different party are other users, for instance, for user 21, users
22 and 23 may be different parties, and their phones 42 and 43 may
be different party mobile phones. Examples of such an identifier
include the name of the different party, the phone number for the
different party, a user identification number, etc. In many
embodiments, for multiple users, the first software module 61
further contains instructions to evaluate whether the different
party mobile phone has certain functionality or contains a copy of
particular software, such as second software module 72.
[0079] In some such embodiments, if the different party mobile
phone contains a copy of the second software module 72, for
example, then the first software module 61 may send the (at least
a) portion of the personal information to the copy of the second
software module 72 on the different party mobile phone, for
instance, through mobile phone network 40, the Internet 10, or
both. On the other hand, in some embodiments, if the different
party mobile phone does not contain a copy of the second software
module 72, for example, or in some cases other software having
adequate equivalent functionality, then the first software module
61 may send the (at least a) portion of the personal information to
the different party mobile phone, in another form, for instance, in
the form of a standard e-mail or text message.
[0080] In other embodiments, software module 72 may send the
information directly to the different party rather than having the
first software module (e.g., module 61) do it. In some embodiments,
for more than one of the users, the first software module 61
further contains instructions to receive a command from the user
(e.g., from user 21), for instance, through mobile phone network
40, and upon the receipt of the command, to transmit at least a
portion of the nuggets of the personal information to a different
party (e.g., to user 22 or 23, or specifically, in some
embodiments, to their phones 42 or 43), for example, through the
Internet 10.
[0081] In addition, in some embodiments, for many or all of the
users, first software module 61 contains instructions to receive a
command from the user (e.g., one of users 21 to 23), for instance,
through mobile phone network 40, to dispute a financial transaction
for a particular account described in the nuggets of the personal
information. In particular embodiments, for example, upon the
receipt of the command, first software module 61 may contain
instructions to transmit a dispute of the transaction to a manager
of the particular account through a network, such as Internet 10,
for example. The manager of the account may be third party 33, for
example, and may be a bank or financial institution, for instance.
Such a dispute of the transaction may be transmitted to the third
party (e.g., 33) in the form of an e-mail or a text message, for
example, sent via the Internet 10, mobile phone network 40, or
both, while in other embodiments, a dispute of a transaction may be
sent through a private or financial network, as another
example.
[0082] Further, in some embodiments, some or all of the mobile
phones (e.g., 41 to 43) may be configured to transmit, receive, or
both, local signals. For example, in the embodiment illustrated,
mobile phone 42 includes local transmitter, receiver, antenna, or a
combination thereof, local communication device 82, which, in this
embodiment, communicates with reader or local communication device
88. In different embodiments, device 88 may read signals, send
signals, or both. Communications devices 82 and 88 may exchange
signals in one or both directions through near-field
communications, a personal area network, Bluetooth, bar codes,
WiFi, or the like, as examples.
[0083] Various embodiments of the invention provide for extracting
particular information from a user's e-mails and sending that
information to the user's mobile phone. Referring to FIG. 1,
particular embodiments include, for example, various systems for
managing information for multiple users (e.g., 21 to 23) using the
Internet 10 and mobile phones (e.g., 41 to 43) of the users (e.g.,
21 to 23). In many embodiments, the system includes a first
software module 67 for sorting information. Such a software module
67 may be recorded on a computer readable medium, for instance,
such as a hard drive, random access memory (RAM), read only memory
(ROM), a disk, a memory stick, or the like, as examples. Such a
software module 67 may be located on server 15, for example, and
may be, or be part of, module 61, for instance, as shown. In some
embodiments, first software module 67 includes programming
instructions to receive multiple e-mails containing information
about the business of the user (e.g., one of users 21 to 23). These
e-mails may be all or a select portion of e-mails that have been
sent to the particular user's (e.g., one of users 21 to 23) e-mail
address, for example, via Internet 10.
[0084] The information about the business of the user may be, or
include, as examples: personal information; financial information;
travel information; information concerning financial accounts,
financial transactions, expenditures, purchases, savings, loans,
etc.; or other information described herein or known in the art.
Further, information about the business of the user may concern the
user's personal affairs or the affairs of a business that is owned,
controlled, managed, invested in, or an employer of the user, as
additional examples. In some embodiments, fewer than all (i.e.,
select) e-mails sent to the particular user (e.g., one of users 21
to 23) may be received (e.g., at first software module 67). For
example, in some embodiments, only e-mails sent from one or more
particular senders or entities (e.g., from some or all of third
parties 31 to 33), or one or more particular e-mail addresses, may
be received (i.e., select e-mails), by module 67. Such senders
(e.g., some or all of third parties 31 to 33) may include, for
example, banks, financial institutions, card providers, airlines,
travel agents, etc., or other examples of third parties 31 to 33
described herein, which may have been selected by the user (e.g.,
one of users 21 to 23) in certain embodiments.
[0085] In some embodiments, first software module 67 includes
programming instructions to search some or all of the (e.g.,
select) e-mails for keywords or identifying numbers (or both), as
examples, and to extract particular information from the select
e-mails. Examples of such keywords and identifying numbers include
account numbers, frequent flyer numbers, flight numbers, words like
"balance", "withdrawal", "debit", "delayed", "gate", "flight",
"cancelled", or the like. Such particular information may include,
for instance, account balances, amounts of withdrawals or debits
from, or deposits to, accounts, amounts of bank card billings,
travel information such as departure times, departure locations,
status of flights, etc. In various embodiments, the first software
module 67 also includes programming instructions to send the
particular information to the user's (e.g., one of users 21 to 23)
mobile phone (e.g., the appropriate one of phones 41 to 43)
through, for instance, mobile phone network 40, the Internet 10, or
both.
[0086] Various embodiments also include second software module 77
for running (e.g., that is running) on the user's mobile phone
(e.g., the appropriate one of phones 41 to 43). Second software
module 77 may include programming instructions to store (e.g., in
folder 76) the particular information on the user's mobile phone
(e.g., the appropriate one of phones 41 to 43), and provide access
to the particular information by the user (e.g., one of users 21 to
23). Such a second software module 77 may be recorded on a computer
readable medium, for instance, such as a hard drive, random access
memory (RAM) read only memory (ROM), a disk, a memory stick, or the
like, as examples.
[0087] In some embodiments, second software module 77 may be stored
or recorded on a server (e.g., server 15), for downloading onto the
user's mobile phone (e.g., the appropriate one or more of phones 41
to 43). In a number of embodiments, second software module 77 may
be recorded on memory within the user's mobile phone (e.g., the
appropriate one of phones 41 to 43), for example. Such a second
software module 77 may be, for example, part of software module 72
shown in FIG. 1 on mobile phone 41. The particular information may
be, include, or be included within, for example, the nuggets 78,
79, or both, for instance, as described herein.
[0088] Some such embodiments also include a third software module
17 (e.g., recorded on a computer-readable medium) configured for
running on the user's computer (e.g., computer 13 of user 23), (or
that is actually running on the user's computer) that includes
programming instructions to search for e-mails from at least one
particular sender (e.g., from one or more of third parties 31 to
33) and to send the e-mails from the at least one particular
sender, for example, through the Internet 10, to first software
module 67. In various embodiments, module 17 may forward e-mails to
module 67, and in different embodiments, the e-mails may be kept as
new, marked as read, or marked as forwarded on the user's computer
(e.g., computer 13 of user 23), or may be deleted or erased
therefrom. In certain embodiments, third software module 17 may be
a plug-in for an e-mail management application, such as MICROSOFT
OUTLOOK, for example.
[0089] Further, in some embodiments, first software module 67 or 61
includes programming instructions to encrypt the particular
information before sending the particular information to the user's
mobile phone (e.g., 41). In some embodiments, second software
module 77 or 72 includes programming instructions to decrypt the
particular information. Even further, in some embodiments, first
software module 67 or 61 includes programming instructions to
compress the particular information before sending the particular
information to the user's mobile phone (e.g., 41). And in some
embodiments, second software module 77 or 72 includes programming
instructions to decompress the particular information. Decryption
and compression may be used together or separately in different
embodiments.
[0090] Additionally, in certain embodiments, first software module
67 or 61 includes programming instructions to receive instructions
from the user (e.g., user 21) identifying at least one threshold
for alarm for at least a portion of the particular information. In
particular such embodiments, first software module 67 or 61 or
second software module 77 or 72 (or a combination thereof) includes
programming instructions to compare at least a portion of the
particular information to the threshold. Furthermore, in some
embodiments, first software module 67 or 61 or second software
module 77 or 72 (or a combination thereof) includes programming
instructions to provide an alarm to the user if the particular
information passes the threshold. Such an alarm may be, for
example, in a manner described herein, such as an audible alarm a
light or display, a vibratory alarm, or a combination thereof.
[0091] In some embodiments, for example, for one or more of
multiple users (e.g., users 21 to 23), the particular information
includes financial account information, which may include, for
instance, amounts of withdrawals or debits from an account, such as
a financial or bank account. In certain embodiments, the (e.g., at
least one) threshold may be, or include, the amount of a withdrawal
or debit, for example, and first software module 67 or second
software module 77 (or both) may include programming instructions
to provide an alarm to the user [e.g., the appropriate one (or
more) of users 21 to 23] if a withdrawal or a debit (or both)
exceeds the threshold. In another example, in some embodiments, for
each of a number of the users (e.g., users 21 to 23), the
particular information includes travel information, which includes
a departure time, a departure location (e.g., a departure gate), or
both. In some such embodiments, first software module 67 or second
software module 77 (or both) includes programming instructions to
provide an alarm if there is a change in the departure time or the
departure location (or both), as examples. In other embodiments,
alarms may be provided for other thresholds or other criteria.
[0092] Further, in a number of embodiments, for one or more of the
users (e.g., users 21 to 23), second software module 77 contains
programming instructions to allow the user (e.g., user 21) to
select at least a portion of the particular information that is
stored on the mobile phone (e.g., 41), select or enter a third
party mobile phone number (e.g., the phone number of user 22), and
elect to send at least a portion of the particular information to
the third party mobile phone (e.g., to mobile phone 42 of user 22).
In some embodiments, at least for many users (e.g., user 21), first
software module 67 further contains instructions to evaluate
whether the third party mobile phone (e.g., mobile phone 42 of user
22) contains a copy of second software module 77, module 72, or
both. In some such embodiments, if the third party mobile phone
(e.g., mobile phone 42 of user 22) contains a copy of second
software module 77, for example, then first software module 67 may
send the portion of the personal information to the copy of second
software module 77 on the third party mobile phone (e.g., mobile
phone 42 of user 22) for example, through mobile phone network 40,
the Internet, or both.
[0093] The invention also provides various methods, including, for
example, methods of managing information for a number of users,
methods of authorizing actions, methods of authenticating
transactions, methods of authenticating access, and methods of
alarming as to proximity to a location. FIGS. 2 to 4 illustrate
examples of such methods, and different methods in accordance with
the invention may include a selection of the operations or acts
shown in FIGS. 2 to 4, described herein, or both, which may be
performed or accomplished in the order presented, or in many
embodiments, in a different order.
[0094] Turning now to FIG. 2, this figure is a flowchart
illustrating examples of various methods, including, for instance,
methods of managing information for a number of users using the
Internet and mobile phones of the users. Many embodiments of the
invention have some but not all of the acts shown in FIG. 2. In the
particular embodiment illustrated, method 200 includes receiving
information from a user (act 205). This may include, in some
embodiments, at least for some of the users, receiving a first set
of personal information (e.g., of the user) from the user through
at least one of the Internet and the mobile phone of the user.
[0095] For example, user 23 shown in FIG. 1 may access website 65
through computer 13 and the Internet 10, may open an account, and
may enter information, select options, etc. Information that may be
entered or selected may include, for example, names of financial
institutions, account numbers, names of airlines, frequent flyer
numbers, names of insurance companies, insurance policy numbers,
driver's license numbers, passport information, etc. In some cases,
this personal information may be complete, while in other cases,
the first set of personal information may include information to
facilitate receipt or completion of information from one or more
third parties (e.g., 31 to 33), such as by identifying the third
parties, accounts, etc.
[0096] Further, in some embodiments, the first set of personal
information includes identification of information that is
important to the user, which may include a criteria for alarming.
Such a criteria (e.g., received in act 205) may be entered by the
user or selected from one or more menus, for example. The criteria
may include, for instance, an election to receive an alarm if a
withdrawal, debit, or charge from a financial account exceeds a
threshold that is entered or selected by the user. In some
embodiments, the criteria (e.g., received in act 205) may include a
selection or indication of whether the user is to receive alarms
throughout the day, or only during certain hours of the day, as
another example, which may vary depending upon the nature of the
alarm or the particular threshold. Other examples of alarms include
whether travel departure times, departure locations, or the like,
have changed, whether bills are due, whether insurance coverage has
expired, whether stock prices have changed, whether weather
conditions or forecasts, or other environmental conditions meet a
certain criteria, whether a document or credential is about to
expire, whether someone has requested a particular action or
access, whether children have traveled into a region of concern,
etc.
[0097] In certain embodiments, method 200 further includes
downloading a mobile phone module (act 210). In some embodiments,
for example, for multiple users, the user instructs the server
(e.g., 15) or selects at a website (e.g., 65) to download a mobile
phone module, for example, second software module 72, 77, or both,
shown in FIG. 1. In a particular embodiment, for instance, second
software module 72 is downloaded from first software module 61
through the Internet 10 and mobile phone network 40 to mobile phone
41, upon instruction by user 21. In other embodiments, software
module 72 may be downloaded to mobile phone 43, for example,
through the Internet 10, and computer 13, for instance, through a
USB port or a wireless network. In other embodiments, software
module 72, 77, or both, may be loaded onto the phone at a store
where the mobile phone was purchased, or at an establishment of the
entity that controls server 15, that operates website 65, or that
provides a service or system of managing information for a number
of users.
[0098] In a number of embodiments of the invention, and in the
particular embodiment shown in FIG. 2, method 200 includes
receiving information from third parties (act 215). In some
embodiments, for example, for each of multiple users, this act
(215) includes receiving a second set of personal information of
each user from at least one third party, for instance, through a
network (e.g., the Internet 10). In many embodiments, this act
(215) may be performed or accomplished, for a particular user,
after receiving personal information (act 205) from that particular
user, which may identify the third party, provide information with
which the third party can identify the particular user, identify
particular information that the particular user authorizes or
requests be provided from the third party, identify bank accounts,
etc.
[0099] In many embodiments, the user may directly request a third
party to send the information. For example the user may visit a
third party website (e.g., via the Internet 10), login to the third
party website and provide information to the third party through
the website to identify the user in system 100 (FIG. 1), which
would also indicate the user's willingness for the third party to
send the information. In various embodiments, the information
received from the third parties (e.g., in act 215) may include one
or more account balances, one or more descriptions of account
transactions (e.g., an amount of a withdrawal, which may include,
who the withdrawal is to), flight information, changes in flight
information, insurance information, loyalty information, passwords,
pass codes, calendar entries, navigational information, account
numbers, bank card numbers, location information concerning regions
of concern, etc.
[0100] In the embodiment illustrated, method 200 further includes
selecting a fraction of the information (act 220). In some
embodiments, for example, a fraction of the information received
from the third parties (e.g., in act 215) may be selected, for
example, by the first software module 61. As used herein,
"selecting a fraction" of certain information means selecting less
than all of that information. For example, particular subsets or
nuggets of the information may be selected. In some embodiments,
the fraction of the information may be selected (e.g., in act 220)
using a criteria that has been predefined (e.g., in module 61). In
some embodiments, the fraction of the information may be selected
(e.g., in act 220) using the criteria (e.g., received in act
205).
[0101] In various embodiments, in act 220, particular information
is selected that is considered to be of particular importance or
concern to the user. Examples include changes in departure time,
status, or departure location for a flight that the user is booked
on, withdrawals from an account that exceed a threshold, account
balances, etc. In particular embodiments, for each of a more than
one of the users, for instance, act 220 may include selecting a
fraction of the second set of personal information described
herein, while in various embodiments, act 220 may include selecting
a fraction of the first set of personal information instead, or in
addition.
[0102] Various embodiments of the invention include encrypting the
fraction of the information (act 225). The information that is
encrypted may be the fraction of the information that is selected
in act 220, for example. In some embodiments, a fraction of the
second set of personal information is encrypted (e.g., in act 225),
for example. Information may be encrypted (e.g., in act 225), for
instance, to maintain its confidentiality. Information may be
encrypted (e.g., in act 225), for example, using PGP (pretty good
privacy), public-key cryptography, asymmetric key encryption, or
the like, as examples.
[0103] Further, Various embodiments of the invention include
compressing the fraction of the information (act 230). The
information that is compressed may be the fraction of the
information that is selected in act 220, for example. In some
embodiments, a fraction of the second set of personal information
is compressed (e.g., in act 230), for instance. Information may be
compressed (e.g., in act 230), for example, to make it easier,
quicker, or less expensive to transmit, store, or both.
[0104] In different embodiments, information may be compressed
(e.g., in act 230), encrypted (e.g., in act 225), or both, in
either order. In some embodiments, method 200 further includes, for
each of multiple users, before the transmitting of the fraction of
the second set of personal information (e.g., act 235), for
example, to the user's mobile phone, at least one of encrypting
(e.g., act 225) the fraction of the second set of personal
information (e.g., selected in act 220), and compressing (act 230)
the fraction of the second set of personal information (e.g.,
selected in act 220). In certain embodiments, the encrypting (e.g.,
act 225), and the compressing (act 230), for example, of the
fraction of the second set of personal information (e.g., selected
in act 220), may be repeated, for instance, along with other acts,
as described herein.
[0105] In the embodiment illustrated, method 200 also includes, as
mentioned, transmitting information (act 235). Such information may
include, for example, the fraction of the second set of personal
information (e.g., selected in act 220). In various embodiments,
the receiving (act 205), for example, of the first set of personal
information, the receiving (act 215), for example, of the second
set of personal information, the selecting of the fraction (act
220), and the transmitting of the fraction (act 235), are all
performed by the first software module 61 residing on server 15
connected to the Internet 10. And in some embodiments, the first
software module 61 further forms the (at least one) Internet
website 65. In some embodiments, methods include, for example, for
each of multiple users, transmitting the fraction (e.g., selected
in act 220) of the second set of personal information to the user's
mobile phone, for example, through the mobile phone network (e.g.,
network 40 shown in FIG. 1) for storage on the user's mobile phone,
for instance, using second software module 72 (e.g., residing on
the phone).
[0106] In this embodiment, method 200 further includes evaluating
whether information satisfies a criteria (act 240). Such a criteria
may be, as described herein, or provided or selected by the user
(e.g., in act 205). If the information (e.g., the fraction of the
information selected in act 220, transmitted in act 235, or both)
satisfies the criteria (e.g., for alarming, for instance, as
determined in act 240), then an alarm may be provided (act 245). In
some embodiments, the method includes, for each of multiple users,
for example, using the second software module, providing an alarm
to the user (act 245) if at least a portion of the fraction of the
second set of personal information satisfies the criteria. Such an
alarm (e.g., of act 245) may be audible, visual, or, for example,
in the form of a vibration. In some embodiments, a sound or
vibration may be produced by the mobile phone of the user (e.g., in
act 245), and the reason for the alarm may be displayed on the
screen of the phone, for instance. In some embodiments, the default
ring tone of the phone or an existing phone ring setting may be
used for the alarm (e.g., in act 245), as examples.
[0107] In some embodiments, the user may be prompted to acknowledge
the alarm or the description of the reason for the alarm, or may be
asked to make a response or take an affirmative action to provide
consent, for example, for the reason for the alarm or an event
described in the description. For example, if the reason for the
alarm is that a withdrawal has been made from the user's bank
account, the mobile phone may ring or vibrate. The user may then
open the phone or press a button on the phone to acknowledge the
alarm. The phone may then display the amount of the withdrawal, for
example, along with a description of the account, and of the
transaction. In some embodiments, the user may be asked to make a
selection to provide consent to the withdrawal, for instance. In
another scenario, the phone may ring to provide an alarm that the
user's flight has been delayed, as another example. The user may
open the phone to acknowledge the alarm, and a brief description of
the delay, and new estimated departure time, may be provided on the
screen of the mobile phone, for instance. Other examples are
described herein.
[0108] In some such methods, for example, for each of a number of
the users, the first set of personal information (e.g., received in
act 205) includes an identification of at least one financial
account, the second set of personal information (e.g., received in
act 215) includes an identification of deposits into the account,
withdrawals from the account, and a balance of the account, and,
the providing of an alarm (act 245) includes at least one of
alarming if a withdrawal exceeds a first threshold identified
within the criteria (e.g., received in act 205), and alarming if
the balance of the account drops below a second threshold
identified within the criteria. As used herein, such a "withdrawal"
may be a debit from, or a charge to, the account, as examples.
[0109] As another example, in some methods, for each of a plurality
of the users, the first set of personal information (e.g., received
in act 205) includes at least one of travel information (e.g.,
frequent flyer information such as a frequent flyer identification
number) and an identification of at least one of a common carrier
(e.g., an airline) and a travel agent. Further, in some
embodiments, the second set of personal information (e.g., received
in act 215) includes travel itinerary, which may include
identification of a departure time and a departure location, for
example. And the providing of an alarm (act 245) may include
alarming if there is a change in at least one of the departure time
and the departure location, in some embodiments. In many
embodiments, if the information (e.g., the fraction of the
information selected in act 220, transmitted in act 235, or both)
does not satisfy the criteria (e.g., for alarming, for instance, as
determined in act 240), then an alarm may not be provided, and act
245 may be skipped, at least for that particular iteration of
method 200.
[0110] In various embodiments, method 200 further includes
transmitting information to a different party (act 255). In many
such embodiments, the user may (e.g., first) select, or otherwise
provide instructions or commands to send certain information to the
third party (evaluated in act 250). In particular, in some
embodiments, (e.g., in the order indicated or in another order), at
least for several of the users, method 200 may include, upon
instruction by the user (e.g., evaluated in act 250), transmitting
(e.g., in act 255) at least a portion of the second set of personal
information (e.g., received in act 215, selected in act 220,
transmitted in act 235, or a combination thereof) to a different
party mobile phone. In some embodiments, this may be accomplished
through the mobile phone network (e.g., 40) for storage on the
different party mobile phone, for instance, for access by the
different party.
[0111] Referring to FIG. 1 for an example, user 21 may provide an
instruction or command (e.g., in act 250), for instance, through
user 21's mobile phone 41, to send at least a portion of the
information received (e.g., in act 235), to different user 22,
specifically, via mobile phone 42. In different embodiments, mobile
phone 41 may send the portion of the information to mobile phone
42, for example, through mobile phone network 40, or mobile phone
41 may instruct server 15 or first software module 61 to send the
portion of the information to mobile phone 42, for instance,
through the Internet 10, mobile phone network 40, or both, as
examples. In some embodiments, delivery may be certified, or
delivery may be tracked and the sender may be notified when
delivery has been accomplished, or alternatively, when delivery has
been unsuccessful.
[0112] In some embodiments, the first software module 61 receives a
command (e.g., in act 250) from the user (e.g., 21), for instance,
through mobile phone network 40, and upon the receipt of the
command (e.g., in act 250), transmits (e.g., in act 255) at least a
portion of the nuggets (e.g., 78) or fraction of the personal
information to the different party (e.g., 22) through the Internet
10. In some embodiments, the system (e.g., system 100) may send the
particular information, fraction thereof, or nuggets in different
ways (e.g., in act 255), depending on whether the different party
is a user of system 100 [e.g., has visited website 65 and elected
to have their personal information managed by system 100, or has
downloaded (e.g., act 210) or otherwise received, or has installed,
the second software module 72 on their mobile phone].
[0113] In some embodiments, the user (e.g., 21) may select (e.g.,
in act 250) at least a portion of the personal information that is
stored on the mobile phone (e.g., 41), select or enter (e.g., in
act 250) an identifier of at least one of a different party (e.g.,
22) and a different party mobile phone (e.g., 42), and elect (e.g.,
in act 250) to send (e.g., in act 255) the at least a portion of
the personal information to the different party mobile phone (e.g.,
42). In many embodiments, the first software module 61 evaluates
whether the different party mobile phone (e.g., 42) contains a copy
of the second software module 72, and if the different party mobile
phone (e.g., 42) contains a copy of the second software module 72,
then the first software module 61 sends (e.g., in act 255) the
portion of the personal information to the copy of the second
software module 72 on the different party mobile phone (e.g., 42),
for example, through the mobile phone network 40 (e.g., by SMS). In
some embodiments, delivery may be certified, or a notification
message may be sent (e.g., by SMS to user 21) when delivery has
been accomplished, or alternatively, after a certain amount of time
or number of attempts when delivery has been unsuccessful.
[0114] In particular embodiments, for example, the portion of the
second set of personal information (e.g., transmitted in act 255)
includes a travel itinerary, for instance. Thus, in some
embodiments, a user is able to conveniently send their travel
itinerary to another person. In FIG. 2, in many embodiments, if the
user does not instruct particular information to be sent to a
different party, then the act of transmitting information to a
different party (act 255) is omitted, at least for that iteration
of method 200.
[0115] Still referring to FIG. 2, in many embodiments of the
invention, and in the embodiment illustrated, method 200 further
includes receiving a local signal (act 260), transmitting a local
signal (act 265) or both. As used herein, a local signal is a
signal that is transmitted and received without going through the
main transmitter that the mobile phone uses for placing telephone
calls and without going through the main receiver that the mobile
phone uses for receiving telephone calls. In addition, a local
signal does not go through the mobile phone network (e.g., 40). For
example, a local signal from mobile phone 42 may be transmitted by
local transmitter or communications device 82 and received (i.e.,
directly) by reader or communications device 88, or vice versa.
Examples of local signals include near field communication (NFC)
signals and Bluetooth communication signals, for example, that use
transmitters, receivers, or both (e.g., device 82), on the mobile
phone that are separate from the transmitter and receiver that are
used for telephone conversations.
[0116] In particular embodiments, method 200 further includes, for
each of multiple users, using signal receiving hardware (e.g.,
device 82 shown in FIG. 1) located on the user's mobile phone
(e.g., 42), and using the second software module (e.g., 72), under
the control of the user (e.g., user 22), receiving (e.g., in act
260) a local signal from a transmitter (e.g., device 88) within
proximity to the mobile phone (e.g., 42). Further, some embodiments
of the invention include, for example, for each of a number of the
users, using local signal transmitting hardware (e.g., device 82)
located on the user's mobile phone (e.g., 42), and using the second
software module (e.g., 72), under the control of the user (e.g.,
22), transmitting a local signal (e.g., in act 265) that includes
at least a portion of at least one of the first set of personal
information (e.g., received in act 205) and the second set of
personal information (e.g., received in act 215) to a reader (e.g.,
device 88) within proximity to the mobile phone (e.g., 42). As used
herein, "proximity", in this context, means within ten (10) feet,
and "close proximity" means within one (1) foot.
[0117] In particular embodiments, for example, for each of several
of the users, the first set of personal information (e.g., received
in act 205) includes at least one of loyalty information and
identification of at least one of a merchant and a service
provider, and at least one of the first set of personal information
(e.g., received in act 205) and the second set of personal
information (e.g., received in act 215) includes the loyalty
information. Further in some such embodiments, the local signal
(e.g., transmitted in act 265) includes at least a portion of the
loyalty information, and the transmitting of the local signal
(e.g., act 265) includes transmitting the at least a portion of the
loyalty information to at least one of the merchant and the service
provider. Such a merchant and service provider are examples of the
third parties 31 to 33 shown in FIG. 1, for example. Thus, a user
(e.g., 22) may be able to use their mobile phone (e.g., 42) to
store and provide loyalty information, for example, a COSTCO
membership, membership to a health club, a SAFEWAY card, etc. In
some embodiments, insurance information may be handled in such a
manner, or similarly.
[0118] Local signals (e.g., between devices 82 and 88) may also (or
instead) be used to make purchases or payments. In certain
embodiments, as an example, for each of multiple users, the first
set of personal information (e.g., received in act 205) includes at
least one of bank card information and an identification of at
least one of a bank and a bank card provider. Such a bank or a bank
card provider may be further examples of the third parties 31 to 33
shown in FIG. 1, for instance. In some embodiments, at least one of
the first set of personal information (e.g., received in act 205)
and the second set of personal information (e.g., received in act
215) includes the bank card information, the local signal (e.g.,
transmitted in act 265) includes the bank card information, and the
transmitting of the local signal (e.g., in act 265) includes
transmitting the bank card information to at least one of the
merchant and the service provider to make or authorize a payment,
as examples. As used herein, the phrase "bank card" includes, for
example, credit cards and debit cards, whether or not issued by a
bank.
[0119] In some embodiments, for instance, using near field
communications, a user (e.g., 22) can swipe his or her phone (e.g.,
42, or specifically, device 82) past an NFC reader (e.g., device
88) to communicate the user's bank card number or information for
payment for goods or services, thus eliminating the need to carry
or present the bank card.
[0120] In the embodiment illustrated, method 200 further includes
organizing certain information (act 270), for example, information
that is handled by system 100. For example, in many embodiments of
the invention, the second software module 72 organizes (act 270),
at the mobile phone (e.g., 41), the fraction (e.g., nuggets 78, 79,
or both) of the second set of personal information (e.g., selected
in act 220 and transmitted in act 235), which may include, in
various embodiments, where applicable, decrypting the information,
decompressing the information, making the fraction of the second
set of personal information accessible to the user (act 275), for
instance, on the user's mobile phone, or a combination thereof. In
some embodiments, for each of multiple users, the second software
module (e.g., 72) organizes (act 270) the fraction of the second
set of personal information based on topic and makes the fraction
of the second set of personal information (e.g., nuggets 78, 79, or
both) accessible (act 275) to the user (e.g., 21), for instance,
based on the topic of the information (e.g., in folder or folders
76).
[0121] In various embodiments of the invention, some or all of the
acts of method 200 may be repeated. For example, in some
embodiments (e.g., for each of some or all of the users) method 200
may involve repeating, at least a number of times, the receiving
(act 215), for example, of the second set of personal information,
the selecting of the fraction (act 220), and the transmitting of
the fraction act 235). In many embodiments, where applicable, the
encrypting (act 225), compressing (act 230), providing of an alarm
(act 245), transmitting of information to a different party (act
255), receiving or transmitting (or both) of local signals (acts
260, 265, or both), the organizing of the information (act 270),
the providing of the information to the user (act 275) or a
combination thereof, may be repeated, as appropriate. Further, in
some embodiments, the receiving of information from the user (act
205) may be repeated, but may be repeated less often than certain
other acts, such as the receiving of information from third parties
(act 215), for instance.
[0122] In many embodiments (e.g., for each of multiple users), the
repeating includes (e.g., as part of act 270) replacing at least a
portion of the fraction of the second set of personal information
that is stored on the user's mobile phone, while maintaining the
organization of the information, for instance, based on the topic
of the information. Further, in various embodiments, for each of
more than one of the users, the repeating includes (e.g., as part
of act 270) synchronizing at least a portion of the fraction of the
second set of personal information that is stored on the user's
mobile phone with corresponding personal information that was
already stored on the mobile phone, while maintaining the
organization of the information based on the topic of the
information. As used herein, "synchronizing" of information
includes both replacing and appending the information, while
sorting or maintaining a sorted organizational structure based on
topic. Topics may include, for example, travel information, account
information (which may be sorted for different accounts), bank card
information, loyalty information, insurance information, etc.
[0123] In various embodiments, a user (e.g., 22) may be able to use
a mobile phone (e.g., 42) to gain access to a physical space, such
as an elevator, floor or area of a building, parking garage, etc.
Access may be obtained, in some embodiments, for example, by
passing the phone (e.g., 42) by or over a reader (e.g.,
communications device 88), transmitting a local signal (e.g., in
act 265), for example, using near field communication (NFC). In
some embodiments, for instance, user 22 selects the desired code or
number on phone 42, and then rubs phone 42 against the reader or
device 88 or passes phone 42 over or by device 88. In certain
embodiments, user 22 may provide or select the code by name, for
example, "elevator", which may be selected from a menu on mobile
phone 42 or input as a voice command, for instance.
[0124] In some embodiments, phone 42 may then transmit (e.g., in
act 265) a local signal containing a code that the reader (e.g.,
device 88) will understand, for example, to identify user 22. In
such embodiments, phone 42 may have local transmitter or
communications device 82, which may be an NFC antenna, for example.
In some embodiments, an NFC antenna (e.g., local transmitter or
device 82) may be retrofitted onto a preexisting phone 42 by
replacing a back or battery cover of the phone with a cover having
an antenna, circuitry, or both. In other embodiments, an NFC
antenna (e.g., local transmitter or device 82) may be an original
equipment component of phone 42, for example.
[0125] Some embodiments may use (e.g., for local transmitter or
communications device 82) Bluetooth communication for particular
functions in addition to or instead of NFC. For example, Bluetooth
may be used for access to parking areas, and a user carrying a
phone may be given access in some embodiments without a need to
open the car window. Other embodiments may use WiFi or other forms
of communication such as infrared, bar codes, or the like. And in
some embodiments, transponders may be used. In addition to
providing access, such use of mobile phones and local signals may
be used to track who has accessed particular areas, track movement
of employees or other people, verify that employees are working
quickly enough, verify that employees or others are traveling at
safe speeds, track work or break times, etc., which may be
published in one or more reports.
[0126] In some embodiments, a user (e.g., 22) may make selections,
identify desired actions, provide assent, or perform other
affirmative acts, by passing the phone (e.g., 42) by a reader
(e.g., device 88) or a combination of several readers. For example,
a user in a store may obtain information on a particular product by
passing the user's phone by a particular reader (e.g., device 88).
Or, in some embodiments, a user may identify potential gifts for a
bridal registry or identify a large item to be picked up at the
register, as other examples. Further, in particular embodiments, a
user may be able to subscribe, in such a manner, to particular
advertisements, for example, for a particular type of product or
from a particular source. Further, phone 42 may be able to be used
in a similar manner, in some embodiments, by passing phone 42 past
reader or device 88, to show membership (e.g., to COSTCO or to a
gym or country club) to obtain frequent flyer miles, to get
discounts that are provided to holders of loyalty cards, or the
like. In other embodiments, a user may make affirmative acts in
other ways, for example, responding to questions displayed on a
phone by pressing one or more buttons, for example, on the
phone.
[0127] In some embodiments, a phone may provide identification of
the user. For example, phone 42 may contain and provide user 22's
driver's license number, social security number, credit card
number, account number, address, phone number, employee ID number,
birth certificate, proof of citizenship, proof of legal residency,
security clearance, passport number, visa number, criminal record,
credentials, badge number, or the like, for example, through
transmitter or local communications device 82. For example, in
particular embodiments, in an airport, the phone may indicate a
higher level of security which may permit the user to bypass of
some or all of security. In addition, in certain embodiments, if a
phone is lost or stolen, the authorized user may be able to wipe
the phone of personal information, locate the phone, disable the
phone, or a combination thereof, for example, with another phone or
through website 65, for example. Such an action may be accomplished
by sending instructions to the phone (e.g., through mobile phone
network 40), and in the case of locating the phone, instructing the
phone to provide its GPS coordinates, other location information,
or both. In some embodiments, this may require entering at least
one code or password, for instance. Further, it may be possible, in
some embodiments, to reload the information back onto the phone, or
onto a new or other phone, from an archive, for instance, at
website 65.
[0128] In some embodiments, the mobile phone (e.g., software module
72 on phone 41) may lock to prevent the user (e.g., 21, or another
user who might not be authorized) from accessing information if the
software (e.g., 72) or the phone (e.g., 41) has not been used for a
specified period of time, or if the user has repeatedly failed to
provide the correct password for the software (e.g., 72). In other
embodiments, the software (e.g., software module 72 on phone 41)
may provide the GPS coordinates of the phone (e.g., to module 61 on
server 15) at regular intervals, upon accessing or exiting the
software (e.g., 72), upon accessing the phone (e.g., 41), upon
turning the phone off, upon turning the phone (e.g., 41) on, upon
running out of battery charge, or a combination thereof, as
examples.
[0129] In a number of embodiments, a mobile phone may contain
insurance information, as an example of a topic of personal
information, which may include, for example, proof of insurance
(e.g., automobile or health insurance), coverage, payment dates,
preferred providers, contract terms, and the like. In some
embodiments, the user (e.g., 21 to 23) may be reminded (e.g.,
provided an alarm in act 245) to make payments, obtain expanded
coverage, make or keep an appointment, or the like, via the phone
(e.g., 41 to 43). For instance, in some embodiments, a user may be
prompted (e.g., provided an alarm in act 245) through the phone to
authorize payment, for example, for insurance, utilities, mortgage
or house payments, rent, credit card payments, various bills, etc.
In another example, a user may be reminded (e.g., provided an alarm
in act 245) to obtain automobile insurance for another country when
traveling into or near that country, and in some embodiments, it
may be possible to purchase such insurance over the phone, obtain
proof of insurance on the phone, or both, as examples.
[0130] As described herein, specific embodiments include, among
other things, ways to communicate information to other electronic
devices, and, in certain embodiments, ways to affirmatively make
selections. In some embodiments, the electronic device or reader
(e.g., device 88) may query the phone (e.g., 42) for the particular
information that is needed, a handshake routine may be followed, or
both. In some embodiments, an affirmative act of assent may be
required, at least for certain functions, for example, to authorize
a transaction or payment, or to authorize access. Such an act of
assent may include, in some embodiments, for example, user 22
entering a personal identification number (PIN) or a password into
a graphical user interface or keyboard on the mobile phone,
providing a signature on a touch pad, providing a biometric,
passing the phone (e.g., 42) by an NFC reader (e.g., device 88), or
the like.
[0131] Further, in some of these embodiments, for yet another
example, the first software module (e.g., module 61) includes
programming instructions to receive (e.g., in act 205) instructions
from the user identifying at least one threshold for alarm (e.g.,
used in act 240) for at least a portion of the particular
information (e.g., nugget 78). In some of these embodiments, at
least one of the first software module (e.g., 61) and the second
software module (e.g., 72) includes programming instructions to
compare (e.g., in act 240) at least a portion of the particular
information to the threshold. And in some such embodiments, at
least one of the first software module (e.g., 61) and the second
software module (e.g., 72) includes programming instructions to
provide an alarm (e.g., in act 245) to the user if the particular
information passes the threshold (e.g., in act 240).
[0132] As mentioned, in some embodiments, certain methods of
managing information for users using the Internet and mobile phones
involve extracting information from e-mails and sending the
information to the mobile phones. Particular such methods include
(e.g., as or within act 215), an act of receiving e-mails, for
instance, from third parties. For example, in some embodiments, for
each of multiple users (e.g., users 21 to 23), method 200 includes
an act of receiving at an information sorting software module
(e.g., 67), a plurality of (e.g., select) e-mails containing
information about the business of the user, wherein the user has
caused the select e-mails to be sent to the information sorting
software module. A user may, for example, cause (e.g., select)
e-mails to be sent to an information sorting software module (e.g.,
67) through the entering or selection of information (e.g., in act
205) or by downloading or enabling software module or plug-in 17,
as examples.
[0133] Such examples of method 200 may also include, for example,
for each of numerous users, using the information sorting software
module (e.g., 67), an act of searching at least two of the select
e-mails for at least one of keywords and identifying numbers, and
also for each of multiple users, using the information sorting
software module (e.g., 67), an act of extracting the particular
information from the select e-mails (e.g., act 220). As used
herein, this act of extracting particular information does not mean
or include forwarding or sending (e.g., in act 235) the whole
e-mail. Rather, a portion (i.e., less than all) of the information
within the e-mail is extracted (e.g., in act 220) to be sent (e.g.,
in act 235).
[0134] In a number of embodiments, such examples of method 200 also
include, for each of numerous users (e.g., users 21 to 23 shown in
FIG. 1), sending (e.g., in act 235) the particular information to
the user's mobile phone (e.g., phone 41 of user 21) through a
mobile phone network (e.g., 40) for storage on the user's mobile
phone (e.g., 41) and access by the user (e.g., 21). In some
embodiments, the particular information that is sent may be,
contain, or be similar to, the nuggets (e.g., 78 and 79, and may be
stored, for example, within folder 76, by module 77, for example).
In some embodiments, software module 67 on server 15 may be a
sorting software module, and may perform or initiate the acts of
receiving the e-mails (e.g., act 215), searching for keywords or
identifying numbers (or both) and extracting the particular
information (e.g., in act 220), and in some embodiments,
transmitting or sending (e.g., act 235) the particular information.
In some embodiments, the particular information may be the same or
similar to the fraction of the information described herein, for
example, with reference to acts 220 to 235.
[0135] In many embodiments, method 200 also includes acts of
repeating, for example, multiple times, the searching (e.g., part
of act 220), the extracting (e.g., part of act 220), and the
sending (e.g., act 235). Various embodiments of such methods may be
performed in various orders and may include additional acts. For
example, in some embodiments, method 200 may include, (e.g., for
each of more than one of the users 21 to 23), after the extracting
of the particular information (e.g., in act 220), and before the
sending of the particular information (e.g., in act 235), for
example, to the user's mobile phone (e.g., 41 to 43), acts of
encrypting the particular information (act 225), compressing the
particular information (act 230), or both. In some embodiments, the
information sorting software module (e.g., 67), extracts the
particular information (e.g., in act 220) only from a fraction of
the select e-mails. In such embodiments, the e-mails may be
searched for keywords or identifying numbers (or both) (e.g., in
act 220, or in a previous operation), and the particular
information may be extracted or selected (e.g., in act 220) only
from the e-mails that have those keywords or identifying
numbers.
[0136] Further, in some embodiments, for multiple users, before the
receiving of the (e.g., select) e-mails (e.g., in act 215), method
200 also includes an act of configuring the user's e-mail handling
software module (act 212). For example, the user's e-mail handling
module may be configured to automatically forward incoming e-mails
from at least one particular third party (e.g., at least one of
third parties 31 to 33) to information sorting module 67. In such
embodiments, the select e-mails mentioned herein may include (or
be) the incoming e-mails from the (at least one) particular third
party (e.g., one or more of third parties 31 to 33). As an example,
plug-in module 17 may be added to MICROSOFT OUTLOOK on computer 13
of user 23, and may provide functionality to automatically forward
e-mails that are sent to an e-mail account of user 23 from
particular senders to module 67 (e.g., via the Internet 10).
[0137] In other embodiments, a user's e-mail handling module may be
configured, or a plug-in or software module may be added (e.g.,
module or plug-in 14), that will search e-mails for keywords or
identifying numbers (or both), select the particular information,
perform tasks associated with act 220 or even acts 220 to 235, or a
combination thereof, as examples, which may result in a select set
of e-mails, the particular information, a fraction of the
information, nuggets of information, or the like. In such
embodiments, the user's computer (e.g., computer 13 of user 23), or
software running on the computer (e.g., module or plug-in 14 on
computer 13), may perform tasks described herein for software
module 67. In some such embodiments, software module 67 may not be
needed. In other embodiments, on the other hand, some or all of
such tasks may be performed at server 15, software module 61, or
software module 67, as examples. In different embodiments, tasks
described herein as being performed by modules 14, 17, and 67, may
in other embodiments be described by others of such modules.
[0138] Moreover, some examples of method 200 further include, for
various of the users (e.g., 21 to 23), for example, before the
receiving of the select e-mails (e.g., in act 215), instructing
(e.g., in act 205) at least one particular third party (e.g., of 31
to 33) to send e-mails containing information about the business of
the user to the information sorting module (e.g., 67). These select
e-mails may include (or be), for example, e-mails containing
information about the business of the user. In various embodiments,
the users (e.g., 21 to 23) may provide these instructions through
the Internet 10 (e.g., user 23 may provide these instructions via
computer 13), through their mobile phones (e.g., 41 to 43), or
both. In addition, in various embodiments, users (e.g., 21 to 23)
may provide these instructions through module 61 or website 65, or
directly to the third parties (e.g., 31 to 33), for example,
through the Internet 10, mobile phone network 40, or both.
[0139] In some embodiments, as another example, the searching of
the e-mails (e.g., in act 220 or otherwise) includes (e.g., for
each of numerous users), searching for e-mails from at least one
particular sender (e.g., from one particular e-mail address), and
the extracting of the particular information (e.g., in act 220)
includes extracting the particular information only from the
e-mails from the at least one particular sender.
[0140] In particular embodiments, (e.g., for each of multiple
users), method 200 may include acts of receiving instructions
(e.g., in act 205) from the user (e.g., one of users 21 to 23), and
identifying at least one criteria or threshold for alarm for at
least a portion of the particular information. In some such
embodiments, after the extracting of the particular information
(e.g., act 220), method 200 may include comparing (e.g., in act
240) at least a portion of the particular information to the
criteria or threshold for alarm, and providing an alarm (e.g., in
act 245) to the user (e.g., one of users 21 to 23) if the
particular information satisfies the criteria or passes the
threshold, as examples.
[0141] For instance, in some such methods, (e.g., for each of
various users), the particular information includes financial
account information including an amount of a withdrawal or a debit
from an account, and the threshold is an amount of the withdrawal
or debit beyond which the alarm is provided (e.g., in act 245). In
another example, (e.g., for each of a number of the users), the
particular information includes travel information including a
departure time or a departure location (or both), and an alarm is
provided (e.g., in act 245) if (e.g., as determined in decision
activity 240) there is a change in the departure time or the
departure location (or both). In specific embodiments, for example,
the travel information includes flight information, for instance,
including the departure time and a departure gate, and the alarm is
provided (e.g., in act 245) if there is a change in either the
departure time or the departure gate.
[0142] Still other embodiments include, (e.g., for multiple users
21 to 23), upon instruction by the user (e.g., user 21),
transmitting (e.g., act 255) at least a portion of the particular
information to a third party (e.g., 22) mobile phone (e.g., 42) for
instance, through mobile phone network 40, for storage on the third
party mobile phone (e.g., 42), for access by the third party (e.g.,
user 22). In some such embodiments, the at least a portion of the
particular information (e.g., transmitted in act 255) does not
include a complete e-mail (e.g., an e-mail received by user 21 or
by module 67, and forwarded to user 22). As an example, in some
embodiments, the (at least a portion of the) particular information
includes a travel itinerary (e.g., of user 21). Thus, user 21 can
easily send his travel itinerary (or other of the particular
information) to another person, to facilitate such
communication.
[0143] Turning now to FIG. 3, this flowchart illustrates, among
other things, various methods of authorizing an action and various
methods of authenticating access, as examples. Most of the various
acts of method 300 may be performed, for example, in an automated
process, for instance, by server 15, module 61, or both, shown in
FIG. 1. In various embodiments, method 300 may be performed by a
company or business, for instance, as a service for other companies
or businesses, or the like.
[0144] In the embodiment illustrated, in various methods of
authorizing an action, method 300 includes receiving (act 303), for
example, from a person having authority to authorize the action, an
identification of a first phone number for obtaining authorization
for the action. Such a person having authority to authorize the
action may be, for example, one of users 21 to 23 shown in FIG. 1.
In some embodiments, the person having authority to authorize the
action may provide the phone number (e.g., received in act 303)
through their computer or mobile phone, for example. For instance,
if user 23 is the person having authority to authorize the action,
user 23 may provide the phone number (e.g., received in act 303) of
phone 43 via phone 43 or via computer 13 and website 65.
[0145] In some embodiments, the person having authority to
authorize the action may enter or key in the phone number directly,
while in other embodiments, the person (e.g., user 23) may enter or
select a name, for example, or other identifier or indicia, which
may be used (e.g., in act 303, for instance, by server 15 or module
61) to look up the appropriate phone number (e.g., of phone 43). In
some embodiments, the person having authority to authorize the
action may select the phone number, for example, from a menu, or
the number may be read automatically from the person's phone or
from a caller ID feature or service when the phone is used. As used
herein, all such are examples of acts (e.g., 303) of receiving,
from a person having authority to authorize the action, an
identification of a first phone number for obtaining authorization
for the action.
[0146] In the embodiment illustrated, method 300 also includes an
act (309) of receiving, for instance, from a person seeking the
action, a request for authorization of the action. In different
embodiments, acts 303 and 309 may occur in either order, including,
for example, the order shown in FIG. 3. In different embodiments or
different situations, the person seeking the action (e.g., who
requests authorization in act 309) and the person having authority
to authorize the action (e.g., who provides the number in act 303)
may be the same person, or may be different people (e.g., of users
21 to 23).
[0147] After the receiving of the identification of the first phone
number (e.g., in act 303), and after the receiving of the request
for authorization (e.g., act 309), in the embodiment illustrated,
method 300 also includes an act (315) of sending a first message,
for example, through a mobile phone network (e.g., 40 shown in FIG.
1) to a first mobile phone, for instance, having the first phone
number. In such embodiments, the first message (e.g., of act 315)
may include a description of the action for which authorization is
requested, for example. In some embodiments, the first phone
message is sent (e.g., in act 315) automatically, meaning herein
that other than making the request for authorization (e.g.,
received in act 309), and providing the number and any criteria
(e.g., received in one or both of acts 303 and 309), no human
interaction is involved (i.e., between acts 309 and 315).
[0148] In addition, in the embodiment illustrated, after the
sending of the first message (e.g., after act 315), method 300
includes an act (321) of receiving, for example, from the first
mobile phone, (i.e., having the first phone number) a second
message, which may authorize the action. In various embodiments,
the second message (e.g., received in act 321) may be the result of
the person who controls the phone taking an affirmative action to
indicate authorization of the action (act 318). Act 318 may be
performed, by one of users 21 to 23 shown in FIG. 1, for
example.
[0149] In some embodiments, the first message (e.g., of act 315)
includes at least one menu and at least one prompt to authorize the
action by making a selection from the menu. The person who controls
the phone may take an affirmative action to indicate authorization
of the action (act 318) by making a selection from the menu, for
example. In some embodiments, authorization is indicated (act 318)
and the second message authorizing the action is sent (e.g., which
is received in act 321) by pressing, for example, a single button
on the mobile phone, after the first message (e.g., sent in act
315) is received by the mobile phone. As used herein, "pressing a
single button" does not include such actions such as opening a flip
phone, scrolling to view a message, or pressing "send". In other
words, when determining how many buttons have been pressed, opening
a flip phone, scrolling to view a message, or pressing "send", are
not counted.
[0150] In some embodiments, the first message (e.g., sent in act
315), the second message (e.g., received in act 321), or both, are
SMS messages. One or both (e.g., of the first and second messages
sent in act 315 and received in act 321, respectively) may be
transmitted (e.g., sent and received) through the mobile phone
network (e.g., 40 shown in FIG. 1). Further, in some embodiments,
the first message, (e.g., sent in act 315), the second message
(e.g., received in act 321), or both, are voice message, as further
examples, which may be computer generated, interpreted using voice
recognition software, or both, as examples. In some embodiments,
the first message (e.g., sent in act 315), may be a voice message,
while the second message (e.g., received in act 321), is an SMS
message. Other embodiments may have other combinations.
[0151] In the embodiment illustrated, method 300 also includes an
act (327) of evaluating whether the second message (e.g., received
in act 321) authorizes the action. If so, then (in act 330) the
action may be allowed, facilitated, or performed, as examples. Some
embodiments include an act of allowing the action (act 330) only if
the second message is received (e.g., in act 321) and the second
message authorizes the action (e.g., as determined in act 327).
Some embodiments further include repeating the receiving of the
request for authorization of the action (e.g., act 309), the
sending of the first message (e.g., act 315), and the receiving of
the second message (e.g., act 321). These acts may be repeated, for
example, for requests for different actions, requests for the same
action for different people, requests for the same action or same
person at different times, etc.
[0152] Further still, some of these embodiments further include an
act (312) of encrypting the first message, for example, before the
sending of the first message (e.g., act 315), for instance, to the
first mobile phone. Some embodiments also (or instead) include an
act (324) of decrypting the second message, for example, after the
receiving of the second message (e.g., act 321), for instance, from
the first mobile phone. In such embodiments, the first mobile phone
may decrypt the first message and encrypt the second message, as
examples. In some embodiments, compression and decompression may
also (or instead) be utilized.
[0153] In some embodiments, prior to the receiving of the request
for authorization of the action (e.g., act 309), the first phone
number is received (e.g., in act 303) through an Internet website
(e.g., website 65 via the Internet 10 shown in FIG. 1), the mobile
phone network (e.g., 40), or both. Some embodiments further include
an act (306) of receiving, for instance, through an Internet
website (e.g., website 65 via the Internet 10) or a mobile phone
network (e.g., 40), or both, for example, from each of numerous
persons having authority to authorize the action, an indication of
a criteria for obtaining authorization for the action, for
instance, for that particular person. Such a criteria may be typed
in or entered verbally by the person, or may be selected by the
person from one or more menus, for example. In some embodiments,
act 306 may be similar to act 205 shown in FIG. 2 and described
herein. Further, in some embodiments, act 303 may be included
within act 306 or vice versa, or acts 303 and 306 may be performed
in another order.
[0154] As an example, in some embodiments of method 300, act 306
includes receiving, for instance, from the person having authority
to authorize the action, through at least one of the Internet
website (e.g., website 65 via the Internet 10 shown in FIG. 1) and
the mobile phone network (e.g., 40), an identification of time
limits for sending the first message (e.g., in act 315). In many
such embodiments, the sending of the first message (e.g., act 315)
may be performed only in accordance with the time limits. For
example, in some embodiments, the person may not want to be
prompted for certain kinds of authorization during certain
nighttime hours, and may enter a criteria or make selections
accordingly.
[0155] In a number of embodiments, the person who controls the
phone (e.g., who is in a position to indicate authorization in act
318) is, in fact, or is intended to be, the person having authority
to authorize the action (e.g., from whom the number was received in
act 303, criteria was received in act 306, or both). In other
embodiments, the person who controls the phone is, in fact, or is
intended to be, a person who is authorized by the person having
authority to authorize the action (e.g., from whom the number was
received in act 303, criteria was received in act 306, or both).
Further, some embodiments provide certain assurances that the
person who controls the phone is the correct person.
[0156] For example, in some embodiments, the second message (e.g.,
received in act 321) includes a password or an authorization code
which has been memorized by the person having authority to
authorize the action and keyed into the first mobile phone (e.g.,
in act 318) after receiving the first message (e.g., sent in act
315) and before sending the second message (e.g., received in act
321). As another example, certain embodiments include, for example,
in the first message (e.g., in act 315), an act of asking a
personal question about the person having authority to authorize
the action who is expected to be in control of the mobile phone.
Such embodiments may also include, in the second message (e.g., in
act 321), an act of receiving a present answer to the personal
question. Such embodiments may further include (e.g., in act 327)
an act of comparing the present answer to a previous answer to the
personal question provided (e.g., in act 306), for instance, by the
person having authority to authorize the action.
[0157] In a number of embodiments, the first message (e.g., sent in
act 315) identifies the person seeking the action. And in some
embodiments, the first message (e.g., sent in act 315) also (or
instead) identifies the action being requested (e.g., in act 309).
Such information may be valuable, for example, in embodiments or
situations where the person requesting the authorization (e.g., in
act 309) is different than the person who has the authority to
authorize the action (e.g., that provided the number received in
act 303, to which the first message was sent in act 315, who
indicates the authorization in act 318, etc.). In some embodiments,
on the other hand, the first mobile phone is controlled by the
person seeking the action (e.g., who requests the authorization
received in act 309), and in some embodiments, the person seeking
the action (e.g., who requests the authorization received in act
309) is the same person having authority to authorize the action
(e.g., in act 303, act 318, or both).
[0158] Moreover, some embodiments further include an act (e.g.,
within act 306) of receiving, from the person having authority to
authorize the action, for instance, through the Internet website
(e.g., website 65 via the Internet 10 shown in FIG. 1) or the
mobile phone network (e.g., 40), or both, an identification of a
second phone number for advising a third person of the action
(e.g., the action for which a request is received in act 309, which
is allowed in act 330, or both). Some such embodiments include an
act (e.g., 333), for example, after receiving the request for
authorization (e.g., in act 309), of automatically sending the
first message, the second message, a third message, or a
combination thereof (e.g., in act 333), to the second phone number.
The act (333), of notifying the third person, may include, for
example, sending a description of the action for which
authorization is requested, identifying the person requesting the
action (e.g., in act 309), or both, as examples.
[0159] In the embodiment illustrated, method 300 further includes
act 336 of tracking the authorization granted for the action over
time, which may include reporting results of the tracking. For
example, a report may be issued which may indicate which
authorizations were requested (e.g., in act 309), when
authorizations were requested, who requested such authorizations,
whether and when authorizations were granted (e.g., in act 318),
and whether or when actions were allowed (e.g., in act 330). In
some embodiments, such a report or data may be provided (e.g., in
act 336) to or through the (e.g., first or second) mobile phone,
for example, as SMS messages or nuggets of information described
herein, as examples.
[0160] In some embodiments, information may be provided via a local
signal (received in act 307). Act 307 may be similar to act 260
shown in FIG. 2 and described herein with reference thereto. A
local signal may be received (e.g., in act 307), for example, via
local communications devices 88 and 82 shown in FIG. 1 and
described herein with reference thereto, wherein device 88 is
receiving and device 82 is transmitting. A local signal may be
received (e.g., in act 307), via NFC, for instance, and may be
received (e.g., in act 307) when the mobile phone is passed by a
reader (e.g., device 88).
[0161] In different embodiments, different types of actions are
requested (e.g., in act 309), authorized (e.g., in act 318), and
allowed (e.g., in act 330). Some embodiments are limited to
particular types of actions. For example, some actions involve
providing access, physical or otherwise, and some embodiments
involve transfer of funds or money from one entity or account to
another, for instance. As a specific example, in some embodiments,
the action is granting of computer access to electronically stored
information, and the person seeking the action (e.g., requesting
the authorization in act 309) is seeking the computer access to the
electronically stored information. Embodiments of method 300 may be
used to provide computer access, for example, instead of a
password, if a password has been forgotten, or in addition to a
password, for example, to provide an added level of security in
case an unauthorized user has obtained the password. In some such
embodiments, the first message (e.g., of act 315) may include a
description of the computer access or electronically stored
information for which authorization is requested.
[0162] In another example, the action is granting of physical
access to a controlled space and the person seeking the action
(e.g., requesting the authorization in act 309) is seeking the
physical access to the controlled space. Physical access may be
controlled, for example, to a building, part of a building, a floor
of a building, a room, an enclosure, a compound, a storage area, a
parking area, a road, furniture such as a desk or filing cabinet, a
safe, etc. In such embodiments, physical access may be allowed
(e.g., in act 330), for example, by electronically unlocking or
opening a door, gate, or compartment, by allowing an elevator to
reach a particular floor, etc. In such embodiments, the first
message (e.g., of act 315) may include a description of the room,
floor, building, space, etc., for which authorization for access is
requested.
[0163] In another specific example, in particular embodiments, the
action (e.g., requested in act 309, authorized in act 318, allowed
in act 330, or a combination thereof) is (or includes) a financial
transaction, the first message (e.g., sent in act 315) includes an
amount of the transaction, and the second message (e.g., received
in act 321) includes an authorization (e.g., from act 318) of the
transaction. Some such embodiments include (e.g., in act 306),
receiving from the person having authority to authorize the action,
for example, through an Internet website (e.g., website 65 via the
Internet 10 shown in FIG. 1) or a mobile phone network (e.g., 40),
or both, an identification of a threshold monetary value of
transactions. In some such embodiments, the first message is sent
(e.g., act 315) for transactions exceeding the threshold, and
transactions below the threshold are approved or authorized without
sending the first message (e.g., without acts 312 through 327).
[0164] Further, in some embodiments, the transaction is (or
includes) a withdrawal or a debit from a bank account and the
person having authority to authorize the action is an authorized
user of the account. Thus, in some embodiments, a user (e.g., 21 to
23 shown in FIG. 1) can elect (e.g., in selecting or indicating the
criteria that is received in act 306) to be notified via their
phone (e.g., 41 to 43) of large withdrawals or debits (e.g., in act
315), but not to be bothered (e.g., by a first message sent in act
315) with smaller (e.g., routine) withdrawals or debits.
Furthermore, in a number of embodiments, the user must authorize
(e.g., in act 318) the larger transactions, thus protecting the
user, the bank (or other financial institution), or both from
losses resulting from unauthorized withdrawals or debits.
[0165] In some embodiments, the first message (e.g., sent in act
315) may include the balance of the account, and even where debits
or withdrawals have been authorized, method 300 may help the user
to avoid overdrawing the account. And in some embodiments, the user
can choose the threshold amount above which authorization is
required. As used herein, accounts held at credit unions and other
businesses that receive deposits of funds from various customers,
hold the funds in accounts, and return the funds to the customers
upon request, are considered to be "bank accounts".
[0166] In another example, in particular embodiments, the
transaction (e.g., requested in act 309, authorized in act 318,
allowed in act 330, or a combination thereof) is (or includes) a
bank card expenditure made at a point of sale for a purchase of
goods or a payment for services. In some such embodiments, the
person having authority to authorize the action is an authorized
user of the bank card. In some such embodiments, the bank card has
a bank card number, and the method further comprises, for example,
before the sending of the first message (e.g., in act 315), an act
of receiving the bank card number from the first mobile phone via a
local signal transmitted from the first mobile phone (e.g., where
the local signal is received in act 307).
[0167] In certain embodiments, as another example, the transaction
(e.g., requested in act 309, authorized in act 318, allowed in act
330, or a combination thereof) is (or includes) an expenditure made
from a credit or debit account at a point of sale for a purchase of
goods or a payment for services, the person having authority to
authorize the action (e.g., user 22) is an authorized user of the
account, the account has an account indicia, and the method further
includes, before the sending of the first message (e.g., act 315),
an act of receiving (e.g., act 307) the account indicia from the
mobile phone (e.g., 42) via a local signal transmitted from the
mobile phone (e.g., from communication device 82). As used herein
"account indicia" includes credit card numbers, debit card numbers,
and combinations of letters, numbers, symbols, or a combination
thereof, that identifies an account from which a user can make
credit or debit charges using the indicia.
[0168] In further examples, in some embodiments, the transaction
(e.g., the approval of which is the action requested in act 309,
authorized in act 318, allowed in act 330, or a combination
thereof) is (or includes) an expenditure made from a credit or
debit account at a point of sale for a purchase of goods or a
payment for services, the person having authority to authorize the
action is an authorized user of the account, and the second message
(e.g., received in act 321) includes an authorization code which
has been memorized by the person having authority to authorize the
action and keyed into the first mobile phone after receiving the
first message (e.g., sent in act 315) and before sending the second
message (e.g., received in act 321). The keying in of the
authorization code may constitute, or be included within, the act
of indicating authorization (act 318), for example.
[0169] In addition, in some embodiments, the transaction (e.g., the
approval of which is the action requested in act 309, authorized in
act 318, allowed in act 330, or a combination thereof) is (or
includes) an expenditure made from a credit or debit account at a
point of sale for a purchase of goods or a payment for services,
the person having authority to authorize the action is an
authorized user of the account, the account has an account indicia,
and the second message (e.g., received in act 321) includes the
account indicia. In an example of such an embodiment, a customer
provides a merchant with his phone number, either verbally or by
keying it into a key pad, as examples. Then the merchant sends or
causes to be sent the first message (e.g., in act 315) to the
customer's mobile phone. Then the customer presses one or more
buttons on the phone to indicate authorization of the transaction
(e.g., act 318), and the phone sends the second message (e.g.,
received in act 321) to the merchant, along with the customer's
credit or debit card number to be charged.
[0170] In other embodiments, the customer's phone number may be
received by the merchant via a local signal (e.g., in act 307) when
the customer passes his mobile phone by a local receiver (e.g.,
reader or device 88 shown in FIG. 1). And in other embodiments, the
acts of sending the first message (315), receiving the second
message (321), or both, may be performed by a service provider
rather than directly by the merchant. In some embodiments, the
second message (e.g., received in act 321) is (or includes) an SMS
message received through the mobile phone network (e.g., 40) and
method 300 further includes, before the act of sending of the first
message (e.g., act 315), an act of receiving from the person
seeking the action, or from the first mobile phone, the first phone
number. In different embodiments, or different situations, the
person seeking the action may provide the phone number verbally,
through a keyboard, or by passing the phone by a reader (e.g.,
device 88), as examples.
[0171] Other methods of authenticating a transaction that are
illustrated by FIG. 3 include (at least) the act of receiving
through an Internet website (e.g., 65) or a mobile phone network
(e.g., 40) (or through both), from each of multiple users (e.g., 21
to 23), for instance, an indication of a criteria for the user for
obtaining authorization for transactions (act 306). Such
embodiments may also include, for each of more than one of the
users (e.g., 21 to 23), an act of sending a first automated message
(e.g., act 315), for example, through mobile phone network (e.g.,
40) to a mobile phone (e.g., 41 to 43) of the user, the message
containing an amount of the transaction and requesting an
affirmative action (e.g., in act 318) to indicate authorization of
the transaction. And such methods may also include, for instance,
for each of at least a number of the users (e.g., 21 to 23),
receiving from the mobile phone (e.g., 41 to 43) of the user, a
second message (e.g., in act 321) indicating that the user (e.g.,
21 to 23) of the mobile phone has taken the affirmative action
(e.g., in act 318) to indicate authorization of the
transaction.
[0172] Such an affirmative action (e.g., in act 318) may be
pressing a button, making a selection from a menu, entering a voice
command, entering a password or authorization number, etc. Various
examples of actions that may be allowed (e.g., in act 330) in
different embodiments are described herein. In a number of
different embodiments, such acts may be combined in various
combinations or with other acts or features (or both) described
herein.
[0173] In addition to other things, FIG. 3 also illustrates various
methods of authenticating access. In particular examples, such
embodiments of method 300 include, (e.g., in the order illustrated,
or in another suitable order) various acts. Some such embodiments
include, for example, the act of receiving from a person seeking
access (e.g., from one of users 21 to 23 shown in FIG. 1),
identification indicia for the person seeking the access (e.g., in
act 309). In various such embodiments, the identification indicia
may be or include the name of the person, a user ID or
identification number for the person, or the phone number for the
person, as examples.
[0174] Some embodiments include, for example, after the act of
receiving the identification indicia (e.g., act 309), and before
the act of sending of the first automated message (e.g., act 315),
an act (310) of looking up the requester (e.g., the person who
made, or allegedly made, the request for authorization in act 309).
In particular embodiments, this (e.g., act 310) may involve looking
up the identification indicia (e.g., received in act 309) in a
database (e.g., in storage 64), and obtaining from, the database a
phone number for the mobile phone of the person having authority
for the access (e.g., to which the first message is sent in act
315).
[0175] In embodiments where the identification indicia includes the
phone number for the mobile phone of the person having authority
for the access (e.g., to which the first message is sent in act
315), the act of looking up the requester (e.g., act 310) may
involve verifying that the phone number corresponds to that of a
(or the) person having authority for access. In embodiments where
the request for authorization (e.g., received in act 309) includes
more than one indicia, the act of looking up the requestor (310)
may include verifying that some or all of the indicia are
consistent, correspond to the same person, are correct, etc.
[0176] In a number of embodiments, method 300 may also include an
act of sending a first (e.g., automated) message (e.g., act 315),
for example, through mobile phone network 40 shown in FIG. 1, to a
mobile phone of a person (e.g., identified in act 309 or 310)
having authority for the access. In such embodiments, "automated"
means that the first message is sent (e.g., in act 315) by
machines, for example, by one or more computers, servers, software,
or the like. For example, in some embodiments, the first message is
sent (e.g., in act 315) by server 15, software module 61, or both,
shown in FIG. 1, in response to receiving the request for
authorization (e.g., in act 309). In some embodiments, the first
(e.g., automated) message is sent (e.g., in act 315) to the phone
number of the person identified in act 310 as having authority for
the access.
[0177] In some of these embodiments, the act of sending the first
message (e.g., act 315) includes or consists of sending the first
message (e.g., through mobile phone network 40) to a mobile phone
of the person seeking the access. In other words, the person
seeking access and the person having authority for access are, or
are assumed to be, the same person, in some embodiments. On the
other hand, in other embodiments, the person seeking the access is
a first person, the person having authority for the access is a
second person (i.e., a different person). In many such embodiments,
the first message (e.g., sent in act 315) includes an
identification of the first person who is seeking the access. Such
an identification may be, or include, part or all of the indicia
(e.g., received in act 309), or that is obtained (e.g., in act 310)
with reference thereto.
[0178] In some embodiments, the first automated message (e.g., sent
in act 315) includes an identification of the access requested and
a request for an affirmative action to indicate authorization of
the access. In other embodiments, the first automated message
(e.g., sent in act 315) includes a password. And in some
embodiments, the first automated message (e.g., sent in act 315)
includes an identification of the access requested, a request for
an affirmative action to indicate authorization of the access, and
a password.
[0179] Many such embodiments of method 300 also include the act of
receiving the password (act 319), for example, from the person
seeking the access. Further, many embodiments include the act of
receiving, for example, from the mobile phone of the person having
authority for the access, a second message (e.g., act 321)
indicating, for example, that the person having authority for the
access has taken the affirmative action to indicate authorization
of the access. Some embodiments include act 319 but not act 321
(e.g., wherein the first message, sent in act 315, includes a
password, but not a request for a response or a second message),
some embodiments include act 321 but not act 319 (e.g., wherein the
first message, sent in act 315, includes a request for a response
or a second message, but not a password), and some embodiments
include both act 319 and act 321 (e.g., wherein the first message,
sent in act 315, includes a request for a response or a second
message, and a password).
[0180] In a specific example, a number of embodiments involve
sending the first automated message (e.g., act 315) through the
mobile phone network (e.g., 40) to the mobile phone of the person
having authority for the access, wherein the first automated
message contains the password. Such methods may also include
receiving the password from the person seeking the access (act
319). In some such embodiments, for example, the person seeking the
access is seeking computer access to electronically stored
information.
[0181] In a particular example, if a user (e.g., 23) attempts to
log into a computer (e.g., 13) or a system (e.g., a personal area
of website 65), but has forgotten his password, then the computer
(e.g., 13) or system (e.g., module 61) may ask the user (e.g., 22)
to identify himself, for example, by entering his name, user ID,
phone number, or other identification indicia (e.g., in act 309).
The computer (e.g., 13) or system (e.g., software module 61) may
then look up (e.g., in act 310) the user's phone number in a
database (e.g., in storage 64), or verify that the user's (e.g.,
23) phone number is in the database, and then send the first
message (e.g., in act 315) to the user (e.g., to his mobile phone
43) with the password. The user (e.g., 23) then receives the
password on their mobile phone (e.g., via a SMS message, a voice
message, or the like) and enters the password into the computer
(e.g., 13) or system (e.g., website 65).
[0182] In different embodiments, such a password may be the
original password, a temporary password, or a one-time use
password, as examples. In other embodiments, instead of using such
a process only when a password is lost or forgotten, the process
may be used every time a person logs in, randomly, at regular
intervals (e.g., of time or numbers of log ins), when an
unauthorized user is suspected, in addition to requiring a password
(e.g., for added security), or the like.
[0183] For additional security, for example, some embodiments
further include the acts of asking the person seeking the access a
personal question (e.g., in act 315), for example, about the person
having authority for the access (which may be the same person, in
some embodiments). Such a method may also include an act of
receiving from the person seeking the access (e.g., in act 321) a
present answer to the personal question. Some of these embodiments
also include the acts (e.g., within act 327, a similar act
occurring before act 321, or act 319) of comparing the present
answer to a previous answer to the personal question provided
(e.g., in act 306) by the person having authority for the access,
and proceeding to allow the action (e.g., in act 330) or to send
the first automated message containing the password (e.g., in act
321) only if the present answer matches the previous answer.
[0184] In some such embodiments, the first automated message (e.g.,
sent in act 315) contains the personal question and the second
message (e.g., received in act 321) contains the present answer,
for example. Such a personal question may be, or include, as
examples, "what is your mother's maiden name?", "what is your pet's
name?", or "what is your favorite color?", or a combination or
alternate selection thereof. Such questions may provide an added
level of security, in some embodiments.
[0185] Certain embodiments of method 300 include the specific act
of sending the first automated message (e.g., in act 315) through
the mobile phone network (e.g., 40) to the mobile phone of the
person having authority for the access, wherein the first message
contains the identification of the access requested (e.g., received
in act 309) and the request for an affirmative action to indicate
authorization of the access. These embodiments may also include the
specific act of receiving (e.g., in act 321), from the mobile phone
of the person having authority for the access, the second message
(e.g., indicating that the person having authority for the access
has taken the affirmative action to indicate authorization of the
access). Such an affirmative action may be, for example, making a
selection from a menu, pressing a button on the phone, making a
voice command, or the like.
[0186] For example, in some embodiments, the first (e.g.,
automated) message (e.g., received in act 315) includes at least
one menu and at least one prompt to authorize the access by making
a selection from the menu. In some such embodiments, the second
message (e.g., received in act 321) either authorizes the access,
or does not authorize the access (e.g., as determined in act 327)
based upon which menu selection is made. In some such embodiments,
failure to make a menu selection at all either results in the
second message not being sent, or the second message being sent
after a period of time indicating that the affirmative action has
not been taken.
[0187] Some of these embodiments further include the acts of
receiving a present password (e.g., when the request for
authorization is received in act 309, in act 319, or in the second
message in act 321) from the person seeking (e.g., in act 309) the
access. Such methods may also include an act of comparing (e.g.,
within act 327, a similar act occurring before act 321, in act 310,
or in act 319) the present password to a previous password stored
in memory (e.g., in storage 64), and proceeding to provide the
access (e.g., allow the access or action in act 330) only if the
present password matches the previous password (e.g., as evaluated
in act 327). In different embodiments, the password may be received
(e.g., when the request for authorization is received in act 309,
in act 319, or in the second message in act 321) through a local
key pad or key board, through the user's mobile phone, verbally
(e.g., using voice recognition software), etc.
[0188] Many different embodiments include other features or
aspects, including those described herein. As some specific
examples, in many embodiments, the first message (e.g., sent in act
315), the second message (e.g., received in act 321), or both, are
SMS messages. Such messages may be received through mobile phone
network 40, for example. Further, some methods further include the
acts of encrypting (e.g., act 312) the first automated message
(e.g., before the sending, in act 315, of the first automated
message to the mobile phone of the person having authority for the
access). Embodiments that include a second message (e.g., received
in act 321), may include (e.g., in addition to or instead of act
312) an act of decrypting (e.g., act 324) the second message (e.g.,
after the receiving, in act 321) of the second message from the
mobile phone of the person having authority for the access).
Further, some of these methods further include the act of
receiving, for example, through Internet website 65, mobile phone
network 40, or both, for instance, from each of at least a number
of persons who have authority for access, an indication of a
criteria for obtaining authorization for access for the person
(e.g., in act 306).
[0189] In some embodiments, the access that is being sought (e.g.,
in act 309) is physical access. For example, in a number of
embodiments, the act of sending the first automated message (e.g.,
act 315) includes, or consists of, sending the first automated
message through the mobile phone network (e.g., 40) to a mobile
phone of the person seeking the access (e.g., as requested in act
309), and the person seeking the access is seeking (e.g., in act
309) physical access to a controlled space. In other words, the
person seeking the access (e.g., as requested in act 309) and the
person having authority for the access (e.g., in act 303, 306, 321,
or a combination thereof) are the same person, and that person is
seeking physical access. Such physical access may be, for example,
physical access to enter a building or a floor or area of a
building, or access to move a vehicle into a controlled space.
Further examples of physical access are described elsewhere
herein.
[0190] Further, in certain embodiments, the receiving of the
identification indicia for the person seeking the access (e.g., in
act 309) involves receiving a near-field communications signal from
a mobile phone of the person seeking the access. For instance, user
22 may pass her phone 42 past NFC reader or communications device
88. In so doing, mobile phone 42 may transmit the indicia (e.g., of
act 309) to device 88, which may be in communication with server
15, software module 61, or both, for example via the Internet 10.
In different embodiments, such a NFC signal may also indicate the
access or authorization requested (e.g., in act 309), or the
selection of reader or device 88 may serve to indicate which access
or authorization is requested (e.g., in act 309).
[0191] Turning now to FIG. 4, this flowchart illustrates, among
other things, various methods of providing positional awareness,
for instance, of a particular individual, for example, using mobile
phones. In the embodiment illustrated, method 400 includes acts of
obtaining (act 416) and storing (act 420) location information.
Particular embodiments include (at least) the act of obtaining (act
416) or storing (act 420) (or both) at least one location
coordinate defining at least one region of concern, for example.
Such location coordinates may be (or include) global positioning
system (GPS) coordinates, for example, latitude and longitude, grid
coordinates, elevation, coordinates or distances from one or more
known points, Cartesian coordinates, polar coordinates, or the
like, as examples.
[0192] A region of concern may be defined by one such coordinate
and a distance therefrom, by more than one coordinate and a
distance therefrom (e.g., by two coordinates defining a line
segment and a distance therefrom), or by three, four, or more
coordinates, which may define a perimeter or parcel of land (e.g.,
four coordinates defining corners of squares or rectangles), as
examples. In other embodiments, street addresses may be used.
Location information or coordinates defining regions of concern may
be obtained, for example, from a third party (e.g., 31 to 33 shown
in FIG. 1), from an Internet website, through Internet 10, from a
user (e.g., 21 to 23), or the like. In some embodiments, there may
be a number of locations, regions of concern, coordinates, or the
like, which may correspond to different regions of concern, which
may be of concern for different reasons, in certain
embodiments.
[0193] In the embodiment illustrated, method 400 also includes
monitoring the location of a first mobile phone (act 424), which
may be possessed by a particular individual, for example. Such
monitoring may be, for example, continuous, at regular intervals of
time, during certain times of the day, or the like, which may be
selectable by the user in some embodiments. In some embodiments,
the frequency of monitoring may be increased if the particular
individual is near a region of concern. In the embodiment
illustrated, method 400 also includes evaluating whether the first
phone is near or within a region (act 428), for example, of
concern, and providing an alarm (act 432), for example, through a
second mobile phone, when the first mobile phone passes into a
region of concern, or within a predetermined distance of a region
of concern. Such a predetermined distance may be, for example, 25
feet, 50 feet, 75 feet, 100 feet, 200 feet, 300 feet, 500 feet, or
the like, and may be user selectable, in some embodiments. In
addition, or instead of alarming at the second phone, in some
embodiments, an alarm may be provided (e.g., in act 432) at the
first mobile phone, which may be the same or a different alarm, in
different embodiments.
[0194] An alarm may be provided (e.g., in act 432) in a manner
similar to other alarms described herein, for example, in act 245
shown in FIG. 2, or may be similar to the notification of the third
person (act 333) or the first message (e.g., sent in act 315) shown
in FIG. 3, or a combination thereof. An alarm (e.g., provided in
act 432) may include a typical ringing of the phone, making a
particular ring tone, a text or SMS message, a vibration, a
synthetic voice message, one or more lights, or a combination
thereof, as examples. The nature of the alarm (e.g., provided in
act 432) may be selectable by the user, in many embodiments, for
example, in an act similar to act 205, act 306, or both. In some
embodiments, the alarm (e.g., provided in act 432) may identify the
first phone, the person to which the first phone is assigned, the
phone number of the first phone, a name of the region of concern,
the reason why the region is of concern, how far away from the
region of concern the first phone is located, uncertainty
associated with such information, etc.
[0195] In some such embodiments, for example, the location
coordinate (e.g., obtained in act 416, stored in act 420, or both)
is for a reported residence of a registered sex offender. In some
such embodiments, the first phone (e.g., of which the location is
monitored in act 424) may be assigned to or used by a child, and
the second phone (e.g., which receives the alarm in act 432) may be
assigned to a parent or guardian of the child. Thus, the parent or
guardian may be alerted (e.g., automatically) if the child enters
or approaches the residence of a registered sex offender. In some
embodiments, the alarm (e.g., provided in act 432) may indicate
that the region of concern is the residence of a registered sex
offender, in some embodiments, including details of the offender,
crimes that he has been convicted or accused of, a description of
him, a picture of him, etc.
[0196] In some embodiments, registered residences of a number of
registered sex offenders may be obtained (e.g., in act 416), for
example, through the Internet 10, for instance, from one or more
governmental websites, which may be converted into coordinates, for
example, demarking the property boundary, the center of the
property, or the like. Location information may be stored (e.g., in
act 420), for instance, on server 15, in storage 64, by software
module 61, or the like, which may be temporary storage, for
example, for the area in which the first mobile phone is located.
Other information included in alarms (e.g., provided in act 432)
may be obtained from the website(s) as well, in act 416, or
both.
[0197] In other embodiments, regions of concern may be for other
threats, such as traffic hazards, pollution or toxic waste sites,
areas of high radioactivity, industrial areas, neighborhoods with
high crime rates, gang-controlled areas, quarantine areas, areas
with insect infestations, high-drug use or dealing areas, bars,
adult establishments, houses of prostitution, gambling
establishments, construction areas, areas of severe weather, areas
of fighting in theater of war, forbidden areas, foreign territory,
private land, areas below high tide, areas where rip-tides occur,
areas of shallow water, coastlines, or other maritime navigational
hazards, etc. Besides protecting children, embodiments may notify
(e.g., in act 432), protect, or both, individuals with substance
abuse, alcohol, or gambling problems, police officers, fire
fighters, probation officers, parole officers, census workers,
soldiers, delivery personnel, salesmen, missionaries, sailors, etc.
In some embodiments, the alarm (e.g., provided in act 432) may be
provided to the first phone, in addition to, or instead of the
second phone.
[0198] In some embodiments, special software may be provided on one
or more mobile phones to accomplish certain acts of the method
(e.g., method 400). For instance, a number of embodiments of method
400 further include, for example, the acts of providing a first
mobile phone software module for installation on the first mobile
phone (act 404), providing a second mobile phone software module
for installation on the second mobile phone (act 408), or both. In
some such embodiments, the first mobile phone software module
(e.g., provided in act 404) includes programming instructions for
the monitoring (e.g., in act 424) of the location of the first
mobile phone, for instance, possessed by the particular individual.
And in some embodiments, the second mobile phone software module
(e.g., provided in act 408) includes programming instructions for
the providing of the alarm (e.g., in act 432), for example, through
the second mobile phone when the first mobile phone passes into a
region of concern or within the predetermined distance of a region
of concern. In some embodiments, the first mobile phone software
module (e.g., provided in act 404), the second mobile phone
software module (e.g., provided in act 408), or both, may be
similar, at least in some respects, or part of, the second software
module 72 described herein, for example.
[0199] Particular embodiments of such methods (e.g., method 400)
further include an act of obtaining or providing a third software
module (act 412), for example, installed on at least one Internet
server (e.g., 15) and forming at least one Internet website (e.g.,
65). In some embodiments, the third software module (e.g., provided
in act 412) may be similar, at least in some respects, or part of,
the first software module 61 described herein, for example. In some
of these embodiments, more than one or many users (e.g., users 21
to 23) visit the website (e.g., 65) through the Internet 10 and
elect to be provided the alarm (e.g., in act 432) through their
mobile phone, for example, through the second mobile phone. In
various embodiments, information, criteria, selections, etc., may
be received from the users (or potential users) for example, in
acts similar to acts 205, 306, or both, shown in FIGS. 2 and 3 and
described herein with reference thereto.
[0200] In a number of such embodiments, the third software module
(e.g., obtained or provided in act 412) further contains
instructions to download (e.g., in act 404), for instance, through
mobile phone network 40, for example, to the first mobile phone,
the first mobile phone software module. In many such embodiments,
the first mobile phone software module (e.g., provided or
downloaded in act 404), the third software module (e.g., obtained
or provided in act 412), or both, includes programming instructions
for the monitoring (e.g., in act 424) of the location of the first
mobile phone, for instance, possessed by the particular individual.
Further, in some such embodiments, the third software module (e.g.,
obtained or provided in act 412) further contains instructions to
download (e.g., in act 408), for instance, through mobile phone
network 40, for example, to the second mobile phone, the second
mobile phone software module.
[0201] In many such embodiments, the second mobile phone software
module (e.g., provided or downloaded in act 408) includes
programming instructions for the providing of the alarm (e.g., in
act 432), for instance, through the second mobile phone when the
first mobile phone passes into the region of concern or within the
predetermined distance of the region of concern. And in particular
embodiments, the first mobile phone software module (e.g., provided
or downloaded in act 404) also, or instead, includes programming
instructions for the providing of the alarm (e.g., in act 432), or
instance, through the first mobile phone when the first mobile
phone passes into the region of concern or within the predetermined
distance of the region of concern.
[0202] Moreover, in many embodiments, multiple users (e.g., 21 to
23) enter (e.g., in act 416), for example, through the Internet
website (e.g., 65) at least one location coordinate defining at
least one region of concern. Thus, in different embodiments, some
or all of the regions of concern may be of specific concern to the
particular user. On the other hand, in some embodiments, the third
software module (e.g., obtained or provided in act 412) further
contains instructions to obtain from a third party website (e.g.,
from one or more of third parties 31 to 33), data with which to
determine at least one location coordinate defining at least one
region of concern. An example of such data includes street
addresses, which may be used to determine longitude and latitude or
GPS coordinates, for example. In some such embodiments, for
example, the third party website contains reported residence
addresses or locations for numerous registered sex offenders, there
are more than one regions of concern (e.g., monitored in act 424),
and at least two of the regions of concern surround at least one of
the reported residences of the registered sex offenders, as
examples.
[0203] Some or all of the acts of method 400, or other methods
described herein, may be repeated. For example, in many
embodiments, location information may be obtained (e.g., act 416)
and stored (e.g., act 420) periodically, when the first phone moves
into another area, when new information becomes available, or the
like. Further, in some embodiments, location information that is
stored (e.g., in act 420) may be used many times (e.g., in acts 424
and 428, and if appropriate, in act 432) between instances when
location information is obtained (e.g., in act 416). In a number of
different embodiments, the acts illustrated or described may be
combined in various combinations or with other acts or features (or
both) described herein.
[0204] Referring now to FIGS. 1, 5, and 6, in a particular
embodiment of the invention, provided as an example, system 502
manages personal information for any number of users and includes a
SECURE MOBILE INFORMATION MANAGEMENT.TM. (SMIM) platform 500 and
Personal Data Providers 509. SMIM platform 500 is an example of a
technology platform for system 100 which enables mobile phone users
(e.g., 21 to 23) to have access to certain personal information via
their mobile phone (e.g., 41 to 43), in some embodiments, even when
there is no signal or internet connection for the cell phone (e.g.,
from mobile telephone network 40). In this embodiment, SMIM
platform 500 includes one or more blocks of code that provide the
framework and foundation of system 100 and encompasses
functionality from defining standards under which development takes
place to defining security, to communication between components and
various core software applications.
[0205] In certain embodiments, SMIM platform 500 includes module
501 (e.g., MICRO AGENT.TM. module or MICRO AGENT TECHNOLOGY.TM.
(MAT) module) and module 503 (e.g., WEB SERVICES module or
CELLTRUST WALLET WEB SERVICES.TM. module). In this example of an
embodiment, module 501 runs on mobile phones, and is an example of
the second software module 72, or a portion thereof, and module 503
is an example of first software module 61, or a portion thereof. In
this example, module 503 is a block of code or software that runs
on server 15 and that communicates with or exchanges data with
module 501 on the phones, website 65, and secure storage 64, for
example. Module 503 may be a communication layer between module
501, website 65, and storage 64, for instance. Module 503 may
provide or allow authentication, communication, protocol
definition, auditing of the integrity of data, prevention of
unauthorized access, and so on, and may allow access to website 65
from the Internet 10.
[0206] Module 503 also, in this embodiment, allows third parties
(e.g., 31 to 33) or Personal Data Providers 509 (e.g., banks,
airlines, merchants) to update their customer's accounts or
personal information, for example, on, storage 64, website 65, or
secure areas thereof. Module 501 or second software module 72
provides a user interface, local storage, synchronization, and
alerts components, in this embodiment, for instance, on one or more
of phones 41 to 43. Further, in this particular embodiment, a user
interface, for instance, within mobile phone 41 or second software
module 72, may gather information from the user (e.g., 21) and
provide information back to the user. For example, Personal Data
Providers 509 include financial institutions, airlines, retailers,
or merchants. Module 503 allows Personal Data Providers 509 to
update customer accounts or personal information such as bank
account information and statements, flight information, credit card
information and charges.
[0207] In some embodiments, local storage (e.g., folder 76 on
mobile phone 41) enables the application (e.g., second software
module 72) to store information (e.g., nuggets 78 and 79 of
information) on the phone (e.g., 41), which may provide for faster
access, reduce dependence on the network (e.g., mobile phone
network 40, the Internet 10, or both), and may reduce the total
cost of ownership by limiting the amount of data communication
through mobile phone network 40 that takes place (e.g., at the
expense of user 21). In some embodiments, the data (e.g., nuggets
78 and 79) on the phone (e.g., 41) is synchronized with data on
server 15 to ensure that the user (e.g., 21) has access to updated
information both on their phone (e.g., 41) and on the web (i.e.,
Internet 10, which may be accessed, at least by user 23, through
computer 13, for instance).
[0208] In certain embodiments, data is compressed, encrypted, or
both, for communication with the mobile phone or device (e.g.,
between module 501 and module 503 or between the first software
module 61 and the second software module 72). In addition, in some
embodiments, alerts may provide substantially real time
notification of various events or activities that can be sent to a
phone (e.g., 41) running module 501 (an example of module 72, or a
portion thereof). For example, alerts may inform the user of an
important or critical event such as a large withdrawal from their
account or a flight cancellation, flight changes, gate changes, or
the like. And in particular embodiments, module 505 (e.g., MOBILE
SERVICES.TM. module or CELLTRUST WALLET MOBILE SERVICES.TM. module)
or module 507 (e.g., PERSONAL PORTAL.TM. module or CELLTRUST
PERSONAL PORTAL.TM. module, such as via an extranet at
my.celltrust.com) (or both) provides a middle tier between an
application running on a server (e.g., server 15) and a phone
(e.g., 43) running module 501. In addition, in some embodiments,
module 507 provides a middle tier between users (e.g., 23)
operating on their computers (e.g., 13) and module 505, module 501,
or both. In some embodiments, module 503 may provide information
(e.g., from Personal Data Providers 509) to module 507, which may
then be provided to module 505, module 501 (e.g., on the mobile
phones), or both.
[0209] Further, in certain embodiments, module 507 (an example of
part of first software module 61 or part of website 65) is a web
application that enables users (e.g., 21 to 23) to access and
modify various information, such as their personal information,
such as their card information for example, on the web (e.g.,
through the Internet 10 and web site 65). In some embodiments,
module 507 uses module 505 to communicate and synchronize users'
information with their mobile phone. In a number of embodiments,
module 503, module 507, module 505, or a combination thereof, can
also be used by third parties (e.g., 31 to 33) or Personal Data
Providers 509 to send, receive, or both, information to (or from)
mobile phones (e.g., 41 to 43) running module 501 (e.g., second
software module 72). For example, a bank such as WELLS FARGO.TM.
bank may be able to send alerts to their customers' mobile phones
(e.g., 41 to 43) and to provide them with the latest bank account
information, for instance. Another example (e.g., of a third party
31 to 33) is an airline such as SOUTHWEST AIRLINES.TM., which may
send their customers (e.g., 41 to 43) up-to-the-minute gate and
cancellation information, as appropriate.
[0210] In a particular example of an embodiment, SMIM platform 500,
which includes embodiments of first software module 61 and second
software module 72, provides functionality and features that
include substantially secure storage of cards and information,
including, for example, credit cards, bank cards, identification
cards such as a driver's license to identify a person, loyalty
cards, for instance, for grocery stores such as SAFEWAY.TM., and
ALBERTSONS.TM., and retail stores such as The GAP.TM., and
STARBUCKS.TM., frequent flyer programs, rewards programs,
membership cards, video clubs, library cards, insurance cards, for
instance, health, auto, or life, and login and password
information, and the like. Various embodiments may provide a
combination of the items or information described herein or (e.g.,
any information or data) that is typically found or has been known
to have been carried in a person's wallet or purse, for example, or
equivalent functionality.
[0211] Further, some embodiments of the invention include central,
secured, and backed up storage, for example, through module 61,
server 15, or both. In various embodiments, a user (e.g., 21 to 23)
may enter the data once (e.g., into their phone 41 to 43, into
website 65, etc.) and may use such information, for example, as
long as it remains current. In addition, in particular embodiments,
a user (e.g., 21 to 23) may be able to easily replace a particular
phone (e.g., user 21 may be able to replace mobile phone 41), a
carrier or service provider (e.g., of mobile phone network 40), or
both, without re-entering personal information. Further, in this
particular embodiment, a user (e.g., 21 to 23) may have access to
their personal information from virtually anywhere (e.g., through
their mobile phone).
[0212] In addition, particular embodiments that provide alerts to
inform users of important changes, are configurable. In some such
embodiments, the user (e.g., 21 to 23) may select which nuggets of
information or changes are important to them such that the user
should be alerted when the information is updated (e.g.,
immediately) and which should be stored for later review, for
instance. Certain embodiments may provide immediate or
near-immediate notification. Specifically, in some embodiments, a
message may pop up on the mobile phone (e.g., 41 to 43) to alert
the user (e.g., 21 to 23) of an event. In this embodiment, users
can then bring up MICRO AGENT, or second software module 72, for
detailed information about the event.
[0213] In some embodiments, a user can use module 501, or second
software module 72 to take an immediate action. For example, if the
user is informed of a large withdrawal from their account, the user
may be able to use module 501, or second software module 72 to
inform the bank (which may be one of the third parties 31 to 33 or
a Personal Data Providers 509, for example) of possible fraud or
mistake. Hence, in this particular embodiment, banks or other
financial institutions may be able to limit their liability or
reduce their losses by immediately putting the account under
investigation. In various embodiments, users may take control of
their data by putting their personal information in SMIM platform
500 or system 100. In many embodiments, users' personal information
is not stored on an employers' server where the employer controls
the information and has the ability, or even the legal right, to
access it. Further, in some embodiments, users (e.g., 21 to 23) can
change jobs without the need for re-entering their data over
again.
[0214] Moreover, certain embodiments of the invention may use
mobile phones (e.g., 41 to 43) to provide certain identification
card functions. For example, mobile phone 42 may be used to
identify user 22. Personal information stored on a mobile phone, on
server 15, or both, may include a driver's license number, a social
security number, a passport number, visa information, security
clearance information, credentials, a birth certificate, a green
card, a work permit, a military ID, access cards, membership cards,
elevator cards, copy cards, etc. In some embodiments, if cards or
the phone are lost, destroyed, or stolen, a user may replace some
or all access cards with a mobile phone. In various embodiments, a
user may use a mobile phone to access a parking garage, an office
building, secure labs, or other areas, for example. Further, in
some embodiments, a user may use SMIM platform 500, module 505
(e.g., Secure Mobile Services), or first software module 61 to
locate employees, for example, immediately or within a certain time
period. User 22 may be located, for example, by determining the
location of the cell that phone 42 is within, by using GPS
information from phone 42, or a combination thereof.
[0215] In a number of embodiments, SMIM platform 500 or system 100
may be used in a retail sales environment. For example, in some
embodiments, user 22 may use mobile phone 42 to retrieve product
information about a product using a local signal such as Near Field
Communication or Bluetooth, for example. In some embodiments, a
user may use a phone to look up a location of a product, receive a
coupon as the user enters a store, receive daily specials, store
product information and price for price comparisons, or a
combination thereof. In some embodiments, a user may send friends
or family, for example, gift cards from a mobile phone, and a
recipient may be able to redeem the gift certificate using their
mobile phone. In certain embodiments, SMIM platform 500 or system
100 may also allow users to purchase products in stores by payment
with a phone, for example, charging a credit card, debit card, or
the like. In particular embodiments, SMIM platform 500 or system
100 also allows for secure communication between module 501 or
second software module 72 and the website (e.g., 65) as well as
secure SMS communication, for example, for transmitting sensitive
information rather than text messaging using clear text.
[0216] Yet another embodiment of the invention includes or combines
a phone with key card. An example is an apparatus for communicating
a code, that includes a component for a mobile phone (or a mobile
phone that includes the component) wherein the component includes a
passive code configured to be read by a reader when the phone is
passed in close proximity to the reader. In many of these
embodiments, the reader is an apparatus, for example, as opposed to
a person. The reader of this embodiment may be similar to
communications device 88 shown in FIG. 1 and described herein, and
may be a card reader configured to read passive codes from cards,
for example, or similar thereto.
[0217] In certain embodiments, for example, the passive code is (or
includes) a magnetic code and the reader is configured to read
magnetic codes or the passive code is (or includes) a bar code and
the reader is (or includes) a bar code reader. In some embodiments,
the passive code is substantially unchangeable. As used herein,
"substantially unchangeable" means that a typical user cannot
change the passive code in a manner that is more convenient than
replacing the component or the phone. Thus, a user cannot change
their code on a whim, which a person reading the code may rely on,
for example, to identify the user. Although not necessarily fool
proof, in some of these embodiments, changing the passive code of a
specific phone, or component to copy the passive code of a
different phone would be at least as difficult as making a
duplicate of someone else's credit card, as a further example.
[0218] As used herein, "passive" or "passively" means to not be
powered by the battery or electrical system of the phone or
electrically connected to the phone (or another battery or
electrical system). Further, as used herein, in this context, the
"component" of the phone excludes disposable packaging for the
phone (that may contain a bar code for product sales or tracking
purposes, for example). Further, in some embodiments, for example,
the component is (or includes) a back of the mobile phone, a
battery cover of the mobile phone, a battery for the mobile phone
or a case for the mobile phone, as examples.
[0219] Further, in some embodiments, for instance, the mobile phone
has a phone number and the passive code includes (or is) the phone
number of the mobile phone. Further, in some embodiments, for
another example, the passive code includes (or is) a number that is
unique to the component from all other components for mobile phones
and all other mobile phones. In other embodiments, the passive code
may be or include the name of the user, an indicia for the user, an
indicia for an account, a portion thereof, or a combination
thereof, as examples.
[0220] Various embodiments of the invention also (or instead)
include a method to replace a back of a phone with key card.
Another example of the invention is (or includes) a method of
eliminating a need to carry a card. This method includes providing
or obtaining a mobile phone having a component (or at least
providing or obtaining a component for a mobile phone), wherein the
component is configured to passively produce a code configured to
be read by a reader (e.g., device 88) when the mobile phone, that
includes the component, is passed in close proximity to the reader.
(Some embodiments may require only proximity instead of close
proximity, for example, using Bluetooth.) Such a method may include
obtaining or providing components having one or more aspects
described above for the example of the apparatus for communicating
a code. Particular embodiments include providing the component as a
replacement part for a preexisting mobile phone that previously did
not have an ability to passively produce such a code.
[0221] Other embodiments include (or are) various methods to use a
phone with a key card. An example of such an embodiment is (or
includes) a method of identifying people, that includes, in the
order indicated, or in another order, (at least) the acts of
providing or obtaining at least one reader (e.g., device 88)
configured to read a passive code from an apparatus containing the
code that is passed within (e.g., close) proximity to the reader,
permitting people who whish to be identified to pass their mobile
phones (e.g., 42) within close proximity to the reader (e.g.,
device 88), for example, wherein the people (e.g., 22) who wish to
be identified have the passive code located on their mobile phones
(e.g., 42). Such methods may also include an act of using the
passive code, as read by the reader (e.g., device 88), to identify
the people (e.g., 22).
[0222] Such a method may be employed by a merchant, a service
provider, an employer, a land lord, a manufacturer, a company, a
school, or a government agency, for example. Further, such a method
may include obtaining or providing components having one or more
aspects described above for the example of the apparatus for
communicating a code. In some embodiments, such a method may be
used in combination with, or as part of, other methods described
herein. In some embodiments, such a method or system may be used
for a particular purpose, or for more than one purpose.
[0223] In particular embodiments, for instance, for each of
multiple people, the identity of the person is used to authorize an
expenditure from a credit or debit account at a point of sale for a
purchase of goods or a payment for services. In particular
embodiments, as another example, for each of numerous people, the
identity of the person is used to authorize physical access to a
controlled space. Further, in some embodiments, for each of at
least two of the people, the identity of the person is used to
authorize computer access to electronically stored information.
Even further, in some embodiments, for another example, the method
further includes at least one other means for identifying the
people. Such another means may be one of the means described
herein, or known in the art, for example.
[0224] Still another embodiment is (or includes) a method of
eliminating a need to carry a card. This example of a method
includes replacing an old component of a mobile phone with a new
component. In some embodiments, the new component includes at least
one of a back, a battery cover, a battery, and a case for the
mobile phone, as examples. In some embodiments, for example, the
new component includes a magnetic code area configured to produce a
magnetic code to be read by a card reader (e.g., device 88) when
the phone is passed in close proximity to the card reader. Other
embodiments may use a bar code, as another example.
[0225] Another embodiment is (or includes) another method of
eliminating a need to carry a card. Such a method may include, for
example, configuring a mobile phone with a component, wherein the
component is or includes at least one of a back, a battery cover, a
battery, and a case for the mobile phone, wherein, the component
includes a code configured to be read by a card reader (e.g.,
device 88) when the phone is passed in close proximity to the card
reader. Other embodiments include a method or phone that
communicates a code using near-field communication, for example,
wherein the code is stored on the phone, selected by the user, and
transmitted via a NFC transmitter (e.g., device 82). Different uses
are described herein wherein the codes are sent to the phone via
the mobile phone network (e.g., 40) from a server (e.g., 15) or
that collects the codes from third parties (e.g., 31 to 33) through
the interne 10, for example.
[0226] Different embodiments of the invention may include different
combinations of elements described herein, shown in the drawings,
or known in the art. Benefits, other advantages, and solutions to
problems have been described herein with regard to specific
embodiments. However, the benefits, advantages, solutions to
problems, and element(s) that may cause benefit, advantage, or
solution to occur or become more pronounced are not to be construed
as critical, required, or essential features or elements of the
claims or the invention. Reference to an element in the singular is
not intended to mean "one and only one" unless explicitly so
stated, but rather "one or more." As used herein, the terms
"comprises", "comprising", or a variation thereof, are intended to
cover a non-exclusive inclusion, such that a process, method,
article, or apparatus that comprises a list of elements does not
include only those elements but may include other elements not
expressly listed or inherent to such process, method, article, or
apparatus. Further, no element described herein is required for the
practice of the invention unless expressly described as "essential"
or "critical".
* * * * *