WO2014145708A1

WO2014145708A1 - Snap mobile security apparatuses, methods and systems

Info

Publication number: WO2014145708A1
Application number: PCT/US2014/030517
Authority: WO
Inventors: Ayman Hammad
Original assignee: Visa International Service Association
Current assignee: Visa International Service Association
Priority date: 2013-03-15
Filing date: 2014-03-17
Publication date: 2014-09-18
Anticipated expiration: 2015-09-15
Also published as: EP2973276A1; JP2016524198A; AU2014232707A1; EP2973276A4; JP6377125B2; HK1213076A1; CN105144216A

Abstract

The SNAP MOBILE SECURITY ("SMS") provides verification, access and security to virtual wallet based electronic financial transactions. SMS receives a request from user's device to decode a scannable code and verify the security of the decoded code's contents. SMS decodes the scannable code to obtain code contents requesting access to the wallet account. SMS obtains digital fingerprints of the user device and a request identifier for the request to access the wallet account. The SMS receives from the access requester digital signatures for the requester and the request identifier. SMS confirms the digital fingerprints of the user device verify the device is authorized to access the wallet account. The SMS confirms the received digital signatures verify the access requester and the request are authorized to access the wallet account. The SMS sends wallet unlock and activity unlock keys to the device for activity access to the wallet.

Description

1 SNAP MOBILE SECU RITY APPARATUSES, METHODS AND

2 SYSTEMS

3 [oooi] This patent for letters patent document discloses and describes various

4 novel innovations and inventive aspects of SNAP MOBILE SECURITY technology

5 (hereinafter "disclosure") and contains material that is subject to copyright, mask work,

6 and/or other intellectual property protection. The respective owners of such intellectual

7 property have no objection to the facsimile reproduction of the disclosure by anyone as

8 it appears in published Patent Office file/records, but otherwise reserve all rights.

9 PRIORITY CLAIM

10 [0002] This application claims priority to United States Patent Application serial

1 1 no. 61/800,012, filed March 15, 2013 and entitled "Snap Mobile Security Apparatuses,

12 Methods and Systems," attorney docket 349US01. This application also claims priority

13 to: United States Application serial no. 13/398,817 filed February 16, 2012, entitled

14 "SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS," attorney

15 docket P-42032US01, which claims priority to United States provisional patent

16 application serial no. 61/443,624 filed February 16, 2011, entitled "MOBILE CAPTURE

17 CHECKOUT APPARATUSES, METHODS AND SYSTEMS," attorney docket no. P-

18 42032PRV; United States provisional patent application serial no. 61/512,248 filed July

19 27, 2011, entitled "SNAP MOBILE PAYMENT APPARATUSES, METHODS AND

20 SYSTEMS," attorney docket no. 10US01; United States provisional patent application

21 serial no. 61/522,213 filed August 10, 2011, entitled "UNIVERSAL MOBILE PAYMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS," attorney docket no. 10US03; and United States provisional patent application serial no. 61/527,576 filed August 25, 2011, entitled "SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS," attorney docket no. 10US02. The entire contents of the aforementioned applications are expressly incorporated by reference herein.

FIELD

[0003] The present innovations generally address apparatuses, methods, and systems for electronic purchase transactions, and more particularly, include SNAP MOBILE SECURITY APPARATUSES, METHODS AND SYSTEMS ("SMS").

BACKGROUND

[0004] Consumer transactions require a customer to select a product from a store shelf or a website, and then to check them out at a checkout counter or a webpage. Product information may be entered automatically by scanning an item barcode with an integrated barcode scanner, and the customer is usually provided with a number of payment options, such as cash, check, credit card or debit card to pay for the purchase.

SUMMARY

[ o o o 5 ] In accordance with the teachings provided herein, systems, methods, non- transitory computer-readable medium, and apparatuses are disclosed for operation upon data processing devices for providing mobile security, such as to: receive, through one or more processors, a request from a user's device to decode a scannable code and 1 verify the security of the decoded code's contents; decode, through the one or more

2 processors, the scannable code to obtain code contents requesting access to the wallet

3 account; obtain from the user, through the one or more processors, digital fingerprints

4 of the user device and a request identifier for the request to access the wallet account;

5 receive from the access requester, through the one or more processors, digital signatures

6 for the requester and the request identifier; confirm, through the one or more

7 processors, that the digital fingerprints of the user device verify the device is authorized

8 to access the wallet account; confirm, through the one or more processors, the received

9 digital signatures verify the access requester and the request are authorized to access the

10 wallet account; and send, through the one or more processors, wallet unlock and activity

1 1 unlock keys to the device for activity access to the wallet. This claimed invention is thus

12 based on the astonishing perception resulting from such receiving, decoding, obtaining,

13 receiving, confirming the digital footprints, confirming the received digital signatures,

14 and sending steps that heightens security for transactions.

15 [0006] Other features include wherein the scannable code being provided by

16 receiving a snapshot of a quick response (QR) code.

17 [0007] Other features include wherein the wireless mobile communication device i s is used to capture an image of the QR code.

19 [0008] Other features include wherein the undecoded snapshot is transferred to a

20 security server for decoding the code contents.

21 [0009] Other features include wherein the security server decodes the undecoded

22 code and verifies validity and security of the contents of the decoded code. 1 [ o o i o ] Other features include wherein contents of the decoded code contain a

2 Uniform Resource Locator (URL) link that leads to a fraudulent website.

3 [ o o n] Other features include wherein the decoded code may compromises

4 security of a user's device by subjecting it to malicious attacks.

5 [ 0012 ] Other features include wherein the code contents of the decoded code is

6 sent to a security server to verify the validity and security of the contents.

7 [ 0013 ] Other features include wherein the contents of the decoded code is

8 determined to pose a security risk to the user device by comparing the decoded code

9 contents to black and white lists of the code contents.

10 [ 0014] Other features include wherein a user's wireless mobile communications

1 1 device redirected to a link for the wireless mobile communications device to execute the

12 link.

13 [ 0015 ] Other features include wherein based upon retrieved links being

14 determined in the decoded code as secure, a user's wireless mobile communications

15 device launches one or more of the retrieved links.

16 [ 0016 ] Other features include wherein a web hosting server responds back to a

17 security server with the requested destination of one of the retrieved links. i s [ 0017] Other features include wherein the web hosting server provides a webpage

19 in response to the security server.

20 [ 0018 ] Other features include wherein contents of the webpage are provided to

21 the user's wireless mobile communications device. [0019] Other features include wherein based upon verifying security of the decoded contents of the code, the user's wireless mobile communications device executes on the decoded contents.

[0020] Other features include wherein the codes include item codes for products.

[0021] Other features include wherein the user's wireless mobile communications device launches a URL link to initiate a purchase request.

[0022] Other features include wherein the user's wireless mobile communications device downloads and launches an application to initiate a purchase request.

[0023] Other features include wherein a webpage at the URL link requests access to a wallet account on the user's wireless mobile communications device to initiate payment for the purchase.

[0024] Other features include wherein a webpage at the URL link access to a wallet account on the user's wireless mobile communications device to initiate payment for the purchase.

[0025] Other features include wherein a launched app requests access to a wallet account on the user's wireless mobile communications device to initiate payment for the purchase.

[0026] An invention can include a snap mobile security system, comprising: a processor; and a memory disposed in communication with the processor and storing processor-issuable instructions to: receive a request from a user's device to decode a scannable code and verify the security of the decoded code's contents; decode the scannable code to obtain code contents requesting access to the wallet account; obtain 1 from the user digital fingerprints of the user device and a request identifier for the

2 request to access the wallet account; receive from the access requester digital signatures

3 for the requester and the request identifier; confirm the digital fingerprints of the user

4 device verify the device is authorized to access the wallet account; confirm the received

5 digital signatures verify the access requester and the request are authorized to access the

6 wallet account; and send wallet unlock and activity unlock keys to the device for activity

7 access to the wallet.

8 [0027] An invention can include a processor-readable non-transitory medium

9 storing processor-issuable snap mobile security instructions to: receive a request from a

10 user's device to decode a scannable code and verify the security of the decoded code's

1 1 contents; decode the scannable code to obtain code contents requesting access to the

12 wallet account; obtain from the user digital fingerprints of the user device and a request

13 identifier for the request to access the wallet account; receive from the access requester

14 digital signatures for the requester and the request identifier; confirm the digital

15 fingerprints of the user device verify the device is authorized to access the wallet

16 account; confirm the received digital signatures verify the access requester and the

17 request are authorized to access the wallet account; and send wallet unlock and activity i s unlock keys to the device for activity access to the wallet.

19 [0028] Any of the aforementioned features and limitations may be used in

20 combination with each other and with methods, systems, apparatuses, and computer-

21 readable medium implementations. BRIEF DESCRIPTION OF THE DRAWINGS

[ 0029 ] The accompanying appendices, drawings, figures, images, etc. illustrate various example, non-limiting, inventive aspects, embodiments, and features ("e.g.," or "example(s)") in accordance with the present disclosure:

[ 0030 ] FIGURE 1 shows a datagraph diagram illustrating example features of the SMS verifying the security contents of decoded scannable codes;

[ 0031 ] FIGURE 2 shows a datagraph diagram illustrating example features of the SMS validating authorization requests for access to a wallet account;

[ 0032 ] FIGURES 3A-B show logic flow diagrams illustrating example features of the SMS verifying the security of contents of decoded scannable codes;

[ 0033 ] FIGURE 4 shows a logic flow diagram illustrating example features of the SMS validating authorization requests for access to a wallet account; and

[ 0034 ] FIGURE 5 shows a block diagram illustrating examples of a SMS controller.

[ 0035 ] The leading number of each reference number within the drawings indicates the figure in which that reference number is introduced and/or detailed. As such, a detailed discussion of reference number 101 would be found and/or introduced in Figure 1. Reference number 201 is introduced in Figure 2, etc. 1 DETAILED DESCRIPTION

2 SNAP MOBILE SECURITY (SMS)

3 [0036 ] The SNAP MOBILE SECURITY APPARATUSES, METHODS AND

4 SYSTEMS (hereinafter "SMS") provide verification, access and security, via SMS

5 components, to virtual wallet based electronic financial transactions.

6 [0037] FIGURE 1 shows a datagraph diagram illustrating example features of the

7 SMS verifying the security contents of decoded scannable codes. In some

8 implementations, a user 101 may take a snapshot of a scannable code such as, but not

9 limited to, a quick response (QR) code, e.g., 109. For example, the user may utilize a

10 device such as a smartphone to capture an image of the code. In some implementations,

1 1 the user may decode the code at the user's computing device, e.g., 110. In some

12 implementations, the user may send the contents of the decoded code to a security

13 server 102 to verify the validity and security of the contents. In some implementations,

14 the user may decide to transfer the undecoded snapshot to the server for decoding, and

15 the security server may decode the code, e.g., 113. In such implementations, the user

16 may request 111 the security server to decode the undecoded code and verify the validity

17 and security of the contents of the decoded code, e.g., 112. In some implementations, i s some scannable codes, though advertised as facilitators of legitimate transactions, may

19 expose users to security risks and fraud such as phishing, pharming, and/or the like. For

20 example, the contents of a nefarious decoded code may contain a Uniform Resource

21 Locator (URL) link that leads to fraudulent websites that may expose a user to

22 unwanted/unsolicited content (e.g., ads, etc), trick a user into providing sensitive

23 personal information, attempt to download unwanted/unsolicited material (e.g., malicious apps, etc) onto a user's device, and/or the like. For example, the decoded code may compromise the security of a user's device by subjecting it to malicious attacks such as SQL injections, and/or the like.

[0038] In some implementations, a user's device and/or a security server may decode the snapshot of a scannable code, such as, but not limited to, a QR code. An example listing of a verification request 111, substantially in the form of a HT P(S) POST message including XML-formatted data, is provided below: POST /verificationrequest .php HTTP/1.1

Host: www.security.com

Content-Type: Application/XML

Content-Length: 667

<?XML version = "1.0" encoding = "UTF-8"?>

<qrverify_request>

<digital_sign>

45e2085fa20496c91df574dc5652el45

</digital_sign>

<location_link>www . phishpharm . com</ location_link>

<merchant_id>AE783</merchant_id>

<merchant_name>Scammer, Inc. </merchant_ name>

<store_id>88234</store_id>

<post_location>6^th Ave and 42^nd St</post_location>

<transaction_id>AFE 1213344</transaction_id>

</QRCodePayload>

//<QRCodePayload>

// <image_data>JPEGDATA</imagedata>

//</QRCodePayload>

</qrverify_request> [0039] In some implementations, the SMS may determine if the contents of the decoded code pose any security risk to the user device. For example, the SMS may compare the decoded code contents to black and white lists of code contents, and determine if the decoded contents pose some or no security risk to user's device, respectively. For example, the security server may issue PHP/SQL commands to query a database table (such as FIGURE 5, Decoded Codes Contents database 519k) for blacklist/whitelist code contents data. An example code contents blacklist/whitelist query 114, substantially in the form of PHP/SQL commands, is provided below: <?PHP

header (' Content-Type : text/plain');

mysql_connect ("254.93.179.112", $DBserver, $password) ; // access database server mysql_select_db ( "SMS_DB . SQL" ) ; // select database table to search

//create query

$query = "SELECT blacklist whitelist FROM CodeContentsTable WHERE QRlists LIKE

'%' $QRCodePayload";

$result = mysql_query ( $query) ; // perform the search query

mysql_close ( "SMS_DB . SQL" ) ; // close database access

?> [0040] In some implementations, once receiving the blacklist/whitelist of scannable codes, the SMS may initiate the steps to verify the security of the decoded code, e.g., 116. For example, the server may merely redirect the user to the link for the user to execute the link, e.g. 117. For example, the security server may provide a redirected link response to user device as a HTTP(S) POST message including XML- formatted data. An example listing of a redirected link response 117, substantially in the form of a HTTP(S) POST message including XML-formatted data, is provided below: POST /verificationresponse . php HTTP/1.1

Host: www.userdevice.com

Content-Type: Application/XML Content-Length: 667

<?XML version = "1.0" encoding = "UTF-8"?>

<qrverify_response>

<redirected_link>www . verifiedlink . com</ redirected_link>

<merchant_id>AE783</merchant_id>

<merchant_name>Legit Business, Inc. </merchant_ name>

<store_id>88234</store_id>

<transaction_id>AFE 1213344</transaction_id>

</QRCodePayload>

</qrverify_response>

[0041] For example, the user may decide to launch a website, and/or download an app. In some embodiments, the SMS may retrieve links found in the decoded code and determine, via SMS components, the links are secure and that the user may launch the URL link. For example, the server may fetch the destination of the link, e.g. 118, and provide the link destination to the user, e.g., 119. For example, the server may launch the URL link and open a webpage on the user's device. For example, the security server may provide a webpage request to a web hosting server 104 as a HT P(S) GET message including XML-formatted data. An example listing of a webpage request 118, substantially in the form of a HTTP(S) GET message including XML-formatted data, is provided below: GET /page.php/ HTTP/1.1

Host: www.site.com

User-Agent: Mozilla/5.0

Accept: text/html , application/xhtml+xml , application/xml ;

Accept-Language : en-us,en;

Accept-Charset: ISO-8859-1, utf-8;

Cookie: PHPSESSID=r2t5uvj q435r4q7 ib3vtdj ql20 1 In some embodiments, the web hosting server may respond back to the security server

2 with the requested destination of the link. For example, the web hosting server may

3 provide a webpage in response to the security server as a HT P(S) POST message

4 including XML-formatted data. The webpage contents may then be relayed to the user

5 120.

6 [0042] In some embodiments, the SMS may initiate the steps to verify that the

7 user of the device is in fact an authorized user, and that the device is secure, i.e., its

8 security is not compromised, e.g., 121. Upon confirming that the user is authorized, and

9 the device is secure, e.g., 130, in such embodiments, the user may execute on the0 response received from the security server, e.g., 131. 1 [0043] FIGURE 2 shows a datagraph diagram illustrating example features of the2 SMS validating authorization requests for access to a wallet account. In some3 embodiments, a user may take a snapshot of a scannable code such as, but not limited to4 a QR code, and have the user's device and/or the security server decode it. Upon5 verifying the security of the decoded contents of the code, in some implementations, the6 user may execute on the decoded contents. For example, the codes may be item codes7 for products, and the user may launch a URL link, and/or download and launch an app8 to initiate a purchase request. In some embodiments, the user may wish to provide a9 checkout request to the merchant server 107. For example, the checkout request to the0 merchant server may be a HTTP(S) POST message including XML-formatted data. An1 example listing of a checkout request 202, substantially in the form of a HTTP(S) POST2 message including XML-formatted data, is provided below: 3 POST /checkoutrequest .php HTTP/1.1

4 Host: www.merchant.com Content-Type: Application/XML

Content-Length: 667

<?XML version = "1.0" encoding = "UTF-8"?>

<QR_data>

<order_ID>4NFU4RG94</order_ID>

<expiry_lapse>00 : 01 : 00</expiry_lapse>

<total_cost>$74.46</total_cost>

<user_id>j ohn . qSgmail . com</user_id>

<secure_element>www .merchant . com/ securedyn/xyz/ 123. png</ secure_element>

<merchant_params>

<merchant_id>54TBRELF8</merchant_id>

<merchant_name>BIG_APPLE_BOOKSTORE</merchant_name>

<address> 1 Piazza Square </address>

<zip_code> 10001 </zip_code>

<merchant_auth_key>TMN45GER98</merchant_auth_key>

</merchant_params>

<purchase_detail>

<cart>

<product_type>book</product_type>

<product_params>

<product_title>Blood Meridian</product_title>

<cover>hardbound</cover>

</product_params>

<quantity>K/quantity>

<unit_cost>$74.46</unit_cost>

</product>

</cart>

</purchase_detail>

</QR_data> [0044] In response, in some embodiments, the merchant server may provide the user with data such as, but not limited to, the transaction session I.D., access request I.D., requestor I.D., and/or the like, e.g., 203. For example, the checkout response to the merchant server may be a HTTP(S) POST message including XML-formatted data. An example listing of a checkout response 203, substantially in the form of a HTTP(S) POST message including XML-formatted data, is provided below: POST /checkoutresponse . php HTTP/1.1

Host: www.userdevice.com

Content-Type: Application/XML

Content-Length: 667

<?XML version = "1.0" encoding = "UTF-8"?>

<checkout_response>

<session_ID>4NFU4RG94</session_ID>

<total_cost>$74.46</total_cost>

<user_id>j ohn . qSgmail . com</user_id>

<access_auth>

<access_request_ID>

<merchant_id>54TBRELF8</merchant_id>

<session_ID>4NFU4RG94</session_ID>

<consumer_acct_chrg_access> VISA ************5634

</consumer_acct_chrg_access>

</access_request_ID>

<access_requester_ID>Big Firm, lnc</ access_requester_ID>

<purchase_detail>

<cart>

<product_type>book</product_type>

<product_params>

<product_title>Blood Meridian</product_title>

<cover>hardbound</cover>

</product_params>

<quantity>K/quantity>

<unit_cost>$74.46</unit_cost>

</product>

</cart>

</purchase_detail>

</checkout_response > [ 0045 ] In some implementations, the webpage at the URL link and/or the launched app may request access to the wallet account on the device to initiate payment for the purchase, e.g., 201. In some implementations, the SMS may initiate a verification process to confirm that only authorized entities have access to the wallet app. For example, the SMS may verify the access requestor is authorized to access the wallet app. In some implementations, the SMS may verify the validity of the checkout request, and the app/webpage making the request. In some embodiments, the SMS may determine that the user device from which the access request is coming from is an authorized device. In some implementations, the SMS may forward the received data, along with a wallet access authorization request, to the security server to verify the requester, the access request, and the security of the user device. For example, the authorization request may include data such as fingerprints of user's device (e.g., user agent (operating systems, browsers, toolbars, etc), fonts, plugin versions, screen size and resolution, time zone, and/or the like), request identifier, requester identifier, and/or the like. For example, the access authorization request to the security server may be a HT P(S) POST message including XML-formatted data. An example listing of an access authorization request 204, substantially in the form of a HTTP(S) POST message including XML-formatted data, is provided below: POST /accessauthorization .php HTTP/ 1 . 1

Host: www.securityserver.com

Content-Type: Application/XML

Content-Length: 667

<?XML version = " 1 . 0" encoding = "UTF-8"?>

<access_auth>

<access_request_ID>

<merchant id>54TBRELF8</merchant id> <session_ID>4NFU4RG94</session_ID>

<consumer_acct_chrg_access> VISA ************5634

</consumer_acct_chrg_access>

</access_request_ID>

<access_requester_ID>Big Firm, lnc</ access_requester_ID>

<secure_element>www .merchant . com/ securedyn/xyz/ 123. png</ secure_element>

<device_fingerprints>

<OS> Windows </OS>

<user_agent> Mozilla </user_agent>

<http_accept_info>

<info_l> text/html </info_l>

<info_2> application/xhtml+xml </info_2> </ http_accept_info >

<plug_ins>

<Flash_Version> 11.1.102.55 </Flash_Version>

<Adobe_Reader> 10.1.2.45 </Adobe_Reader> </plug_ins>

<screen_dim> 1920X1200X24 </screen_dim>

</ device_fingerprints>

</ access_auth >

[0046] Upon receiving the access authorization request, in some implementations, the security server may verify the user device is authorized to access the wallet app, e.g., 205. For example, the server may calculate a total weighed overlap score between the received device fingerprints and those that are whitelisted as safe. For example, those attributes that have a large variety, (e.g., fonts, etc) may be weighed much higher those with less variety (e.g., operating system, etc). The higher the score is the more it indicates the user device belongs in the whitelist, and may be verified as a device authorized to access the wallet app. In some implementations, once the user device is established as an authorized device, the security server may initiate a request to the merchant server to verify the access requester is authorized to access the app and the request is a legitimate one, e.g., 206. For example, the security server may provide a verification request for request I.D. and requester to the merchant server as a HTTP(S) POST message including XML-formatted data. An example listing of a verification request for request I.D. and requester 206, substantially in the form of a HTTP(S) POST message including XML-formatted data, is provided below: POST /verifyaccess.php HTTP/1.1

Host: www.merchant.com

Content-Type: Application/XML

Content-Length: 667

<?XML version = "1.0" encoding = "UTF-8"?>

<access_verify>

<access_request_ID>

<merchant_id>54TBRELF8</merchant_id>

<session_ID>4NFU4RG94</session_ID>

<consumer_acct_chrg_access> VISA ************5634

</consumer_acct_chrg_access>

</access_request_ID>

<access_requester_ID>Big Firm, Inc</ access_requester_ID>

</access_verify>

[0047] For example, the security server may query for the digital signature of the requester, and a digital signature for the request identifier. Upon generating a digital signature for the request identifier, e.g., 207, the merchant server may verification response to the security server as a HTTP(S) POST message including XML-formatted data. An example listing of a verification request for request I.D. and requester 208, 1 substantially in the form of a HT P(S) POST message including XML-formatted data, is

2 provided below:

3

4 POST /digicert.php HTTP/1.1

5 Host: www.security.com

6 Content-Type: Application/XML

7 Content-Length: 667

8 <?XML version = "1.0" encoding = "UTF-8"?>

9 <access_verify>

10 <timestamp>2035-02-22 15 : 22 : 43</timestamp>

11 <digicert_requester>

12 // DigiCert file for requester' s digital certificate

13 DigiCert:: cert ( $data, ' requester . cert ') ;

14 </digicert_requester>

15 <digicert_request>

16 // DigiCert file for for request digital signature

17 DigiCert :: cert ( $data, ' requestid. cert) ;

18 </digicert_request>

19 </access_verify>

20

21 [0048] Upon receiving the digital certificates, in some embodiments, the security

22 server may determine if the request is legitimate, and the requester is authorized to

23 access the wallet app, e.g., 209. For example, with the latter, the server may compare the

24 requester's digital signature with ones in a whitelist, and determine if the requester is

25 approved. In some implementations, the server may retrieve the digital signature of the

26 request and compare the retrieved request identifier with the one received from the

27 user's device. In some implementations, once the requester and the user device are

28 verified as entities authorized to access the wallet app, and the access request is

29 confirmed as legitimate, the security server may generate a wallet access key to supply

30 210 to the user's device to unlock the wallet app, and allow the request access to the

31 wallet app. For example, the security server may provide a wallet access authorization response to the user device as a HT P(S) POST message including XML-formatted data. An example listing of a wallet access authorization response 210, substantially in the form of a HTTP(S) POST message including XML-formatted data, is provided below: POST /accessauthorization .php HTTP/1.1

Host: www.merchant.com

Content-Type: Application/XML

Content-Length: 667

<?XML version = "1.0" encoding = "UTF-8"?>

<access_auth>

<wallet_access> TRUE </wallet_access>

<authorization_id>KJ7 89BJK90743GJH</authorization_id>

<session_ID>4NFU4RG94</session_ID>

<wallet_key>54TBRELF8</wallet_key>

<action_key>4NFU4RG94</action_key>

</access_auth>

For example, the webpage and/or the app that requested access to the wallet app may launch the wallet app to initiate the payment process, e.g., 212. [0049] FIGURES 3A-B show logic flow diagrams illustrating example features of the SMS verifying the security of contents of decoded scannable codes. With reference to FIGURE 3A, in some embodiments, a user's device may capture a snapshot of a scannable code such as, but not limited to, a QR code, and send, e.g., 301, the undecoded code to a security server for decoding, e.g., 302. In some embodiments, the user's device may decode the snapshot, e.g., 303, and send the decoded contents to the security server. In some implementations, the security server may parse through the decoded code contents, and collect the signatures of the code such as, but not limited to, the origin of the code, the placement (e.g., public street, merchant location, etc), links in 1 the code, number of items, amounts, and/or the like, e.g., 304. In some

2 implementations, the server may query the decoded code contents database (such as

3 FIGURE 5, Decoded Code Contents 519k) for lists of decoded code contents that belong

4 to a whitelist, and to a blacklist, e.g., 306 to determine the whitelist/blacklist status of

5 the contents of the decoded code, e.g., 305. For example, the server may check if the

6 origin of the code is blacklisted 309, any of the destinations (e.g., links, etc) are

7 blacklisted 310 and/or whitelisted 311, etc. In some embodiments, one, some or all

8 decoded contents may be blacklisted, and the server may generate a message

9 announcing to the device user that the code is compromised and not to be trusted, e.g.,

10 314. In some embodiments, the destinations may not be in a blacklist, but there may be

1 1 contents at the link that are blacklisted, e.g., 313. For example, the link may contain a

12 blacklisted app. In these embodiments, the server may generate a message announcing

13 to the device user that the code is compromised and not to be trusted, e.g., 314.

14 [0050] With reference to FIGURE 3B, in some implementations, the security

15 server may determine the location of the code from parsing through the decoded

16 contents, e.g., 315, and compare that to the location at which the snapped code was

17 found at, e.g., 316. For example, the location of the decoded code as gleaned from the i s decoded contents may be compared to the GPS position of the device when the snapshot

19 was taken. In some implementations, the two locations may not match, suggesting that

20 the decoded code should not have been at the location and may be fraudulent. For

21 example, a fraudulent QR code may have been placed over a legitimate one, in a "attack-

22 in-the-middle" scenario. In these implementations, the server may contact the device

23 user with a message that the code is compromised, e.g., 321. In some implementations,

24 the decoded code may attempt to download an app, e.g., 318, and/or request access to 1 the functionalities of the device (e.g., contact lists, email access, texting, apps, etc), e.g.,

2 317. In some implementations, the server may discover the activities of the decoded

3 code may signal security compromise. For example, a vulnerability scanning session

4 may discover signs of attacks such as command injections, etc, scams such as phishing,

5 pharming, etc, e.g., 320. In these embodiments, the security server may contact the

6 device user to warn that the snapped code's security is compromised, e.g., 321.

7 [ 0051 ] FIGURE 4 shows a logic flow diagram illustrating example features of the

8 SMS validating authorization requests for access to a wallet account. In some

9 implementations, the security server may obtain from the user's device data on the0 device's fingerprints, e.g., 401a. For example, the data may include user agent1 (operating systems, browsers, toolbars, etc), fonts, plugin versions, screen dimensions2 and resolution, time zones, and/or the like. In some embodiments, the security server3 may receive from the merchant server a digital signature of the wallet access requester.4 In some embodiments, the merchant server may generate an encrypted digital signature5 certificate for the access request identifier, and pass along the digital signature to the6 security server, e.g., 401b. Upon obtaining the device fingerprints, in some7 implementations, the security server may generate a query from a database table (such8 as FIGURE 5, Devices 519b) for a list of essential attributes every authorized device9 should have, and likewise non-grata attributes any of which will result in a device being0 blocked from accessing the wallet account. In some implementations, the server may1 ascertain all the essential attributes of the received device fingerprints match the2 corresponding essential attributes from the query, and no attribute matches the non-3 grata attributes, e.g., 406. For example, if only mobile devices are authorized to access4 the wallet account (i.e. large screens are non-grata), the security server may ascertain that the received device fingerprints show, to some predetermined confidence level, that the device is a mobile (i.e., small screen) device. In these embodiments, if the device is found to not satisfy this condition, despite matching all the other attributes in the whitelist, the SMS may suspend the wallet app on the device and contact the account owner to communicate the security risk, e.g., 409. In some implementations, the device may satisfy the condition, and the server may resort to calculating the overall commonalities of the received device fingerprints and the fingerprints identified in the whitelist, e.g., 407. For example, if the commonalities (i.e. overlap) exceed some threshold, the server may recognize the device as authorized to access the wallet account. [0052] With the user's device recognized as an authorized device to access the wallet account, in some implementations, the security server may determine if the received digital signatures for the access requester and the request identifier are legitimate. In some embodiments, the server may generate a query to a database table (such as FIGURE 5, Digital Signatures 519m) for the whitelist of digital signatures of the access requesters, e.g., 410. For example, if the received digital signature of the requester matches any in the whitelist, the server may decide the requester is legitimate, e.g., 413. With the verification of the requester accomplished, in some implementations, the security server may retrieve 414 the access request identifier from the digital signature certificate, and compare the identifier to the one received from the user device, e.g., 415. If there is a match, the server may generate a wallet account access key to grant the requester access to the wallet app on the user's device, e.g., 417. SMS Controller

[0053] FIGURE 5 shows a block diagram illustrating examples of a SMS controller 501. In this embodiment, the SMS controller 501 may serve to aggregate, process, store, search, serve, identify, instruct, generate, match, and/or facilitate interactions with a computer through various technologies, and/or other related data. [0054] Users, e.g., 533a, which may be people and/or other systems, may engage information technology systems (e.g., computers) to facilitate information processing. In turn, computers employ processors to process information; such processors 503 may be referred to as central processing units (CPU). One form of processor is referred to as a microprocessor. CPUs use communicative circuits to pass binary encoded signals acting as instructions to enable various operations. These instructions may be operational and/or data instructions containing and/or referencing other instructions and data in various processor accessible and operable areas of memory 529 (e.g., registers, cache memory, random access memory, etc.). Such communicative instructions may be stored and/or transmitted in batches (e.g., batches of instructions) as programs and/or data components to facilitate desired operations. These stored instruction codes, e.g., programs, may engage the CPU circuit components and other motherboard and/or system components to perform desired operations. One type of program is a computer operating system, which, may be executed by CPU on a computer; the operating system enables and facilitates users to access and operate computer information technology and resources. Some resources that may be employed in information technology systems include: input and output mechanisms through which data may pass into and out of a computer; memory storage into which data may 1 be saved; and processors by which information may be processed. These information

2 technology systems may be used to collect data for later retrieval, analysis, and

3 manipulation, which may be facilitated through a database program. These information

4 technology systems provide interfaces that allow users to access and operate various

5 system components.

6 [0055] In one embodiment, the SMS controller 501 may be connected to and/or

7 communicate with entities such as, but not limited to: one or more users from user

8 input devices 511; peripheral devices 512; an optional cryptographic processor device

9 528; and/or a communications network 513. For example, the SMS controller 501 may0 be connected to and/or communicate with users, e.g., 533a, operating client device(s),¹ e.g., 533b, including, but not limited to, personal computer(s), server(s) and/or various2 mobile device(s) including, but not limited to, cellular telephone(s), smartphone(s) (e.g.,3 iPhone®, Blackberry®, Android OS-based phones etc.), tablet computer(s) (e.g., Apple4 iPad™, HP Slate™, Motorola Xoom™, etc.), eBook reader(s) (e.g., Amazon Kindle™,5 Barnes and Noble's Nook™ eReader, etc.), laptop computer(s), notebook(s), netbook(s),6 gaming console(s) (e.g., XBOX Live™, Nintendo® DS, Sony PlayStation® Portable,7 etc.), portable scanner(s), and/or the like. 8 [0056 ] Networks are commonly thought to comprise the interconnection and9 interoperation of clients, servers, and intermediary nodes in a graph topology. It should0 be noted that the term "server" as used throughout this application refers generally to a1 computer, other device, program, or combination thereof that processes and responds to2 the requests of remote users across a communications network. Servers serve their3 information to requesting "clients." The term "client" as used herein refers generally to a computer, program, other device, user and/or combination thereof that is capable of processing and making requests and obtaining and processing any responses from servers across a communications network. A computer, other device, program, or combination thereof that facilitates, processes information and requests, and/or furthers the passage of information from a source user to a destination user is commonly referred to as a "node." Networks are generally thought to facilitate the transfer of information from source points to destinations. A node specifically tasked with furthering the passage of information from a source to a destination is commonly called a "router." There are many forms of networks such as Local Area Networks (LANs), Pico networks, Wide Area Networks (WANs), Wireless Networks (WLANs), etc. For example, the Internet is generally accepted as being an interconnection of a multitude of networks whereby remote clients and servers may access and interoperate with one another. [0057] The SMS controller 501 may be based on computer systems that may comprise, but are not limited to, components such as: a computer systemization 502 connected to memory 529. Com uter Systemization

[0058] A computer systemization 502 may comprise a clock 530, central processing unit ("CPU(s)" and/or "processor(s)" (these terms are used interchangeably throughout the disclosure unless noted to the contrary)) 503, a memory 529 (e.g., a read only memory (ROM) 506, a random access memory (RAM) 505, etc.), and/or an interface bus 507, and most frequently, although not necessarily, are all interconnected and/or communicating through a system bus 504 on one or more (mother)board(s) 502 1 having conductive and/or otherwise transportive circuit pathways through which

2 instructions (e.g., binary encoded signals) may travel to effectuate communications,

3 operations, storage, etc. The computer systemization may be connected to a power

4 source 586; e.g., optionally the power source may be internal. Optionally, a

5 cryptographic processor 526 and/or transceivers (e.g., ICs) 574 may be connected to the

6 system bus. In another embodiment, the cryptographic processor and/or transceivers

7 may be connected as either internal and/or external peripheral devices 512 via the

8 interface bus I/O. In turn, the transceivers may be connected to antenna(s) 575, thereby

9 effectuating wireless transmission and reception of various communication and/or

10 sensor protocols; for example the antenna(s) may connect to: a Texas Instruments

1 1 WiLink WL1283 transceiver chip (e.g., providing 802.1m, Bluetooth 3.0, FM, global

12 positioning system (GPS) (thereby allowing SMS controller to determine its location));

13 Broadcom BCM4329FKUBG transceiver chip (e.g., providing 802.1m, Bluetooth 2.1 +

14 EDR, FM, etc.), BCM28150 (HSPA+) and BCM2076 (Bluetooth 4.0, GPS, etc.); a

15 Broadcom BCM4750IUB8 receiver chip (e.g., GPS); an Infineon Technologies X-Gold

16 618-PMB9800 (e.g., providing 2G/3G HSDPA/HSUPA communications); Intel's XMM

17 7160 (LTE & DC-HSPA), Qualcom's CDMA(2000), Mobile Data/Station Modem,

18 Snapdragon; and/or the like. The system clock may have a crystal oscillator and

19 generates a base signal through the computer systemization's circuit pathways. The

20 clock may be coupled to the system bus and various clock multipliers that will increase

21 or decrease the base operating frequency for other components interconnected in the

22 computer systemization. The clock and various components in a computer

23 systemization drive signals embodying information throughout the system. Such

24 transmission and reception of instructions embodying information throughout a computer systemization may be referred to as communications. These communicative instructions may further be transmitted, received, and the cause of return and/or reply communications beyond the instant computer systemization to: communications networks, input devices, other computer systemizations, peripheral devices, and/or the like. It should be understood that in alternative embodiments, any of the above components may be connected directly to one another, connected to the CPU, and/or organized in numerous variations employed as exemplified by various computer systems. [0059 ] The CPU comprises at least one high-speed data processor adequate to execute program components for executing user and/or system-generated requests. Often, the processors themselves will incorporate various specialized processing units, such as, but not limited to: floating point units, integer processing units, integrated system (bus) controllers, logic operating units, memory management control units, etc. and even specialized processing sub-units like graphics processing units, digital signal processing units, and/or the like. Additionally, processors may include internal fast access addressable memory, and be capable of mapping and addressing memory 529 beyond the processor itself; internal memory may include, but is not limited to: fast registers, various levels of cache memory (e.g., level 1, 2, 3, etc.), RAM, etc. The processor may access this memory through the use of a memory address space that is accessible via instruction address, which the processor can construct and decode allowing it to access a circuit path to a specific memory address space having a memory state/value. The CPU may be a microprocessor such as: AMD's Athlon, Duron and/or Opteron; ARM's classic (e.g., ARM7/9/11), embedded (Coretx-M/R), application (Cortex-A), and secure processors; IBM and/or Motorola's DragonBall and PowerPC; IBM's and Sony's Cell processor; Intel's Atom, Celeron (Mobile), Core (2/Duo/i3/i5/i7), Itanium, Pentium, Xeon, and/or XScale; and/or the like processor(s). The CPU interacts with memory through instruction passing through conductive and/or transportive conduits (e.g., (printed) electronic and/or optic circuits) to execute stored instructions (i.e., program code). Such instruction passing facilitates communication within the SMS controller and beyond through various interfaces. Should processing requirements dictate a greater amount speed and/or capacity, distributed processors (e.g., Distributed SMS), mainframe, multi-core, parallel, and/or super-computer architectures may similarly be employed.Alternatively, should deployment requirements dictate greater portability, smaller mobile devices (e.g., smartphones, Personal Digital Assistants (PDAs), etc.) may be employed. [0060 ] Depending on the particular implementation, features of the SMS may be achieved by implementing a microcontroller such as CAST'S R8051XC2 microcontroller; Intel's MCS 51 (i.e., 8051 microcontroller); and/or the like. Also, to implement certain features of the SMS, some feature implementations may rely on embedded components, such as: Application-Specific Integrated Circuit ("ASIC"), Digital Signal Processing ("DSP"), Field Programmable Gate Array ("FPGA"), and/or the like embedded technology. For example, any of the SMS component collection (distributed or otherwise) and/or features may be implemented via the microprocessor and/or via embedded components; e.g., via ASIC, coprocessor, DSP, FPGA, and/or the like. Alternately, some implementations of the SMS may be implemented with embedded components that are configured and used to achieve a variety of features or signal processing. [0061] Depending on the particular implementation, the embedded components may include software solutions, hardware solutions, and/or some combination of both hardware/software solutions. For example, SMS features discussed herein may be achieved through implementing FPGAs, which are a semiconductor devices containing programmable logic components called "logic blocks", and programmable interconnects, such as the high performance FPGA Virtex series and/or the low cost Spartan series manufactured by Xilinx. Logic blocks and interconnects can be programmed by the customer or designer, after the FPGA is manufactured, to implement any of the SMS features. A hierarchy of programmable interconnects allow logic blocks to be interconnected as needed by the SMS system designer/administrator, somewhat like a one-chip programmable breadboard. An FPGAs logic blocks can be programmed to perform the operation of basic logic gates such as AND, and XOR, or more complex combinational operators such as decoders or simple mathematical operations. In most FPGAs, the logic blocks also include memory elements, which may be circuit flip-flops or more complete blocks of memory. In some circumstances, the SMS may be developed on regular FPGAs and then migrated into a fixed version that more resembles ASIC implementations. Alternate or coordinating implementations may migrate SMS controller features to a final ASIC instead of or in addition to FPGAs. Depending on the implementation all of the aforementioned embedded components and microprocessors may be considered the "CPU" and/or "processor" for the SMS.

Power Source

[0062] The power source 586 may be of any standard form for powering small electronic circuit board devices such as the following power cells: alkaline, lithium 1 hydride, lithium ion, lithium polymer, nickel cadmium, solar cells, and/or the like.

2 Other types of AC or DC power sources may be used as well. In the case of solar cells, in

3 one embodiment, the case provides an aperture through which the solar cell may

4 capture photonic energy. The power cell 586 is connected to at least one of the

5 interconnected subsequent components of the SMS thereby providing an electric

6 current to all ther interconnected components. In one example, the power source 586 is

7 connected to the system bus component 504. In an alternative embodiment, an outside

8 power source 586 is provided through a connection across the I/O 508 interface. For

9 example, a USB and/or IEEE 1394 connection carries both data and power across the

10 connection and is therefore a suitable source of power.

1 1 Interface Adapters

12 [0063] Interface bus(ses) 507 may accept, connect, and/or communicate to a

13 number of interface adapters, frequently, although not necessarily in the form of

14 adapter cards, such as but not limited to: input output interfaces (I/O) 508, storage

15 interfaces 509, network interfaces 510, and/or the like. Optionally, cryptographic

16 processor interfaces 527 similarly may be connected to the interface bus. The interface

17 bus provides for the communications of interface adapters with one another as well as i s with other components of the computer systemization. Interface adapters are adapted

19 for a compatible interface bus. Interface adapters may connect to the interface bus via

20 an expansion and/or slot architecture. Various exapansion and/or slot architectures that

21 be employed, such as, but not limited to: Accelerated Graphics Port (AGP), Card Bus,

22 ExpressCard, (Extended) Industry Standard Architecture ((E)ISA), Micro Channel

23 Architecture (MCA), NuBus, Peripheral Component Interconnect (Extended) (PCI(X)), PCI Express, Personal Computer Memory Card International Association (PCMCIA), Thunderbolt, and/or the like. [ 0064] Storage interfaces 509 may accept, communicate, and/or connect to a number of storage devices such as, but not limited to: storage devices 514, removable disc devices, and/or the like. Storage interfaces may employ connection protocols such as, but not limited to: (Ultra) (Serial) Advanced Technology Attachment (Packet Interface) ((Ultra) (Serial) ATA(PI)), (Enhanced) Integrated Drive Electronics ((E)IDE), Institute of Electrical and Electronics Engineers (IEEE) 1394, Ethernet, fiber channel, Small Computer Systems Interface (SCSI), Thunderbolt, Universal Serial Bus (USB), and/or the like. [ 0065 ] Network interfaces 510 may accept, communicate, and/or connect to a communications network 513. Through a communications network 513, the SMS controller is accessible through remote clients 533b (e.g., computers with web browsers) by users 533a. Network interfaces may employ connection protocols such as, but not limited to: direct connect, Ethernet (thick, thin, twisted pair 10/100/1000 Base T, and/or the like), Token Ring, wireless connection such as IEEE 8o2.na-x, and/or the like. Should processing requirements dictate a greater amount speed and/or capacity, distributed network controllers (e.g., Distributed SMS), architectures may similarly be employed to pool, load balance, and/or otherwise increase the communicative bandwidth required by the SMS controller. A communications network may be any one and/or the combination of the following: a direct interconnection; the Internet; a Local Area Network (LAN); a Metropolitan Area Network (MAN); an Operating Missions as Nodes on the Internet (OMNI); a secured custom connection; a Wide Area Network 1 (WAN); a wireless network (e.g., employing protocols such as, but not limited to a

2 Wireless Application Protocol (WAP), I-mode, and/or the like); and/or the like. A

3 network interface may be regarded as a specialized form of an input output interface.

4 Further, multiple network interfaces 510 may be used to engage with various

5 communications network types 513. For example, multiple network interfaces may be

6 employed to allow for the communication over broadcast, multicast, and/or unicast

7 networks.

8 [0066] Input Output interfaces (I/O) 508 may accept, communicate, and/or

9 connect to user input devices 511, peripheral devices 512, cryptographic processor

10 devices 528, and/or the like. I/O may employ connection protocols such as, but not

1 1 limited to: audio: analog, digital, monaural, RCA, stereo, and/or the like; data: Apple

12 Desktop Bus (ADB), Bluetooth, IEEE I394a-b, serial, universal serial bus (USB);

13 infrared; joystick; keyboard; midi; optical; PC AT; PS/2; parallel; radio; video interface:

14 Apple Desktop Connector (ADC), BNC, coaxial, component, composite, digital,

15 DisplayPort, Digital Visual Interface (DVI), high-definition multimedia interface

16 (HDMI), RCA, RF antennae, S-Video, VGA, and/or the like; wireless transceivers:

17 8o2.na/b/g/n/x; Bluetooth; cellular (e.g., code division multiple access (CDMA), high i s speed packet access (HSPA(+)), high-speed downlink packet access (HSDPA), global

19 system for mobile communications (GSM), long term evolution (LTE), WiMax, etc.);

20 and/or the like. One output device may be a video display, which may take the form of a

21 Cathode Ray Tube (CRT), Liquid Crystal Display (LCD), Light Emitting Diode (LED),

22 Organic Light Emitting Diode (OLED), Plasma, and/or the like based monitor with an

23 interface (e.g., VGA, DVI circuitry and cable) that accepts signals from a video interface.

24 The video interface composites information generated by a computer systemization and 1 generates video signals based on the composited information in a video memory frame.

2 Another output device is a television set, which accepts signals from a video interface.

3 Often, the video interface provides the composited video information through a video

4 connection interface that accepts a video display interface (e.g., an RCA composite video

5 connector accepting an RCA composite video cable; a DVI connector accepting a DVI

6 display cable, HDMI, etc.).

7 [0067] User input devices 511 often are a type of peripheral device 512 (see below)

8 and may include: card readers, dongles, finger print readers, gloves, graphics tablets,

9 joysticks, keyboards, microphones, mouse (mice), remote controls, retina readers, touch

10 screens (e.g., capacitive, resistive, etc.), trackballs, trackpads, sensors (e.g.,

1 1 accelerometers, ambient light, GPS, gyroscopes, proximity, etc.), styluses, and/or the

12 like.

13 [0068 ] Peripheral devices 512 may be connected and/or communicate to I/O

14 and/or other facilities of the like such as network interfaces, storage interfaces, directly

15 to the interface bus, system bus, the CPU, and/or the like. Peripheral devices may be

16 external, internal and/or part of the SMS controller. Peripheral devices may include:

17 antenna, audio devices (e.g., line-in, line-out, microphone input, speakers, etc.), i s cameras (e.g., still, video, webcam, etc.), dongles (e.g., for copy protection, ensuring

19 secure transactions with a digital signature, and/or the like), external processors (for

20 added capabilities; e.g., crypto devices 528), force-feedback devices (e.g., vibrating

21 motors), near field communication (NFC) devices, network interfaces, printers, radio

22 frequency identifiers (RFIDs), scanners, storage devices, transceivers (e.g., cellular,

23 GPS, etc.), video devices (e.g., goggles, monitors, etc.), video sources, visors, and/or the 1 like. Peripheral devices often include types of input devices (e.g., microphones, cameras,

2 etc.).

3 [ o o 69 ] It should be noted that although user input devices and peripheral devices

4 may be employed, the SMS controller may be embodied as an embedded, dedicated,

5 and/or monitor-less (i.e., headless) device, wherein access would be provided over a

6 network interface connection.

7 [0070] Cryptographic units such as, but not limited to, microcontrollers,

8 processors 526, interfaces 527, and/or devices 528 may be attached, and/or

9 communicate with the SMS controller. A MC68HC16 microcontroller, manufactured by

10 Motorola Inc., may be used for and/or within cryptographic units. The MC68HC16

1 1 microcontroller utilizes a 16-bit multiply-and-accumulate instruction in the 16 MHz

12 configuration and requires less than one second to perform a 512-bit RSA private key

13 operation. Cryptographic units support the authentication of communications from

14 interacting agents, as well as allowing for anonymous transactions. Cryptographic units

15 may also be configured as part of the CPU. Equivalent microcontrollers and/or

16 processors may also be used. Other commercially available specialized cryptographic

17 processors include: the Broadcom's CryptoNetX and other Security Processors; i s nCipher's nShield (e.g., Solo, Connect, etc.), SafeNet's Luna PCI (e.g., 7100) series;

19 Semaphore Communications' 40 MHz Roadrunner 184; sMIP's (e.g., 208956); Sun's

20 Cryptographic Accelerators (e.g., Accelerator 6000 PCIe Board, Accelerator 500

21 Daughtercard); / (e.g., L2100, L2200, U2400) line, which is capable of performing

22 500+ MB/s of cryptographic instructions; VLSI Technology's 33 MHz 6868; and/or the

23 like. Memory

[0071] Generally, any mechanization and/or embodiment allowing a processor to affect the storage and/or retrieval of information is regarded as memory 529. However, memory is a fungible technology and resource, thus, any number of memory embodiments may be employed in lieu of or in concert with one another. It is to be understood that the SMS controller and/or a computer systemization may employ various forms of memory 529. For example, a computer systemization may be configured wherein the operation of on-chip CPU memory (e.g., registers), RAM, ROM, and any other storage devices are provided by a paper punch tape or paper punch card mechanism; however, such an embodiment would result in an extremely slow rate of operation. In one configuration, memory 529 will include ROM 506, RAM 505, and a storage device 514. A storage device 514 may employ any number of computer storage devices/systems. Storage devices may include a drum; a (fixed and/or removable) magnetic disk drive; a magneto-optical drive; an optical drive (i.e., Blueray, CD ROM/RAM/Recordable (R)/ReWritable (RW), DVD R/RW, HD DVD R/RW etc.); an array of devices (e.g., Redundant Array of Independent Disks (RAID)); solid state memory devices (USB memory, solid state drives (SSD), etc.); other processor-readable storage mediums; and/or other devices of the like. Thus, a computer systemization generally requires and makes use of memory. Component Collection

[0072] The memory 529 may contain a collection of program and/or database components and/or data such as, but not limited to: operating system component(s) 515 (operating system); information server component(s) 516 (information server); user 1 interface component(s) 517 (user interface); Web browser component(s) 518 (Web

2 browser); database(s) 519; mail server component(s) 521; mail client component(s) 522;

3 cryptographic server component(s) 520 (cryptographic server); the SMS component(s)

4 535; and/or the like (i.e., collectively a component collection). These components may

5 be stored and accessed from the storage devices and/or from storage devices accessible

6 through an interface bus. Although non-conventional program components such as

7 those in the component collection, may be stored in a local storage device 514, they may

8 also be loaded and/or stored in memory such as: peripheral devices, RAM, remote

9 storage facilities through a communications network, ROM, various forms of memory,

10 and/or the like.

1 1 Operating System

12 [0073] The operating system component 515 is an executable program component

13 facilitating the operation of the SMS controller. The operating system may facilitate

14 access of I/O, network interfaces, peripheral devices, storage devices, and/or the like.

15 The operating system may be a highly fault tolerant, scalable, and secure system such as:

16 Apple Macintosh OS X (Server); AT&T Plan 9; Be OS; Unix and Unix-like system

17 distributions (such as AT&T's UNIX; Berkley Software Distribution (BSD) variations

18 such as FreeBSD, NetBSD, OpenBSD, and/or the like; Linux distributions such as Red

19 Hat, Ubuntu, and/or the like); and/or the like operating systems. However, more

20 limited and/or less secure operating systems also may be employed such as Apple

21 Macintosh OS, IBM OS/2, Microsoft DOS, Microsoft Windows

22 2000/2003/3.1/95/98/CE/Millenium/NT/Vista/XP (Server), Palm OS, and/or the like.

23 In addition, emobile operating systems such as Apple's iOS, Google's Android, Hewlett 1 Packard's WebOS, Microsofts Windows Mobile, and/or the like may be employed. Any

2 of these operating systems may be embedded within the hardware of the SMS controller,

3 and/or stored/loaded into memory/storage. An operating system may communicate to

4 and/or with other components in a component collection, including itself, and/or the

5 like. Most frequently, the operating system communicates with other program

6 components, user interfaces, and/or the like. For example, the operating system may

7 contain, communicate, generate, obtain, and/or provide program component, system,

8 user, and/or data communications, requests, and/or responses. The operating system,

9 once executed by the CPU, may enable the interaction with communications networks,

10 data, I/O, peripheral devices, program components, memory, user input devices, and/or

1 1 the like. The operating system may provide communications protocols that allow the

12 SMS controller to communicate with other entities through a communications network

13 513. Various communication protocols may be used by the SMS controller as a

14 subcarrier transport mechanism for interaction, such as, but not limited to: multicast,

15 TCP/IP, UDP, unicast, and/or the like.

16 Information Server

17 [0074] An information server component 516 is a stored program component that

18 is executed by a CPU. The information server may be an Internet information server

19 such as, but not limited to Apache Software Foundation's Apache, Microsoft's Internet

20 Information Server, and/or the like. The information server may allow for the execution

21 of program components through facilities such as Active Server Page (ASP), ActiveX,

22 (ANSI) (Objective-) C (++), C# and/or .NET, Common Gateway Interface (CGI) scripts,

23 dynamic (D) hypertext markup language (HTML), FLASH, Java, JavaScript, Practical Extraction Report Language (PERL), Hypertext Pre-Processor (PHP), pipes, Python, wireless application protocol (WAP), WebObjects, and/or the like. The information server may support secure communications protocols such as, but not limited to, File Transfer Protocol (FTP); HyperText Transfer Protocol (HTTP); Secure Hypertext Transfer Protocol (HTTPS), Secure Socket Layer (SSL), messaging protocols (e.g., America Online (AOL) Instant Messenger (AIM), Apple's iMessage, Application Exchange (APEX), ICQ, Internet Relay Chat (IRC), Microsoft Network (MSN) Messenger Service, Presence and Instant Messaging Protocol (PRIM), Internet Engineering Task Force's (IETF's) Session Initiation Protocol (SIP), SIP for Instant Messaging and Presence Leveraging Extensions (SIMPLE), open XML-based Extensible Messaging and Presence Protocol (XMPP) (i.e., Jabber or Open Mobile Alliance's (OMA's) Instant Messaging and Presence Service (IMPS)), Yahoo! Instant Messenger Service, and/or the like. The information server provides results in the form of Web pages to Web browsers, and allows for the manipulated generation of the Web pages through interaction with other program components. After a Domain Name System (DNS) resolution portion of an HTTP request is resolved to a particular information server, the information server resolves requests for information at specified locations on the SMS controller based on the remainder of the HTTP request. For example, a request such as http://123.124.125.126/myInformation.html might have the IP portion of the request "123.124.125.126" resolved by a DNS server to an information server at that IP address; that information server might in turn further parse the http request for the "/mylnformation.html" portion of the request and resolve it to a location in memory containing the information "mylnformation.html." Additionally, other information serving protocols may be employed across various ports, e.g., FTP communications across port 21, and/or the like. An information server may communicate to and/or with other components in a component collection, including itself, and/or facilities of the like. Most frequently, the information server communicates with the SMS database 519, operating systems, other program components, user interfaces, Web browsers, and/or the like. [0075] Access to the SMS database may be achieved through a number of database bridge mechanisms such as through scripting languages as enumerated below (e.g., CGI) and through inter-application communication channels as enumerated below (e.g., CORBA, WebObjects, etc.). Any data requests through a Web browser are parsed through the bridge mechanism into appropriate grammars as required by the SMS. In one embodiment, the information server would provide a Web form accessible by a Web browser. Entries made into supplied fields in the Web form are tagged as having been entered into the particular fields, and parsed as such. The entered terms are then passed along with the field tags, which act to instruct the parser to generate queries directed to appropriate tables and/or fields. In one embodiment, the parser may generate queries in standard SQL by instantiating a search string with the proper join/select commands based on the tagged text entries, wherein the resulting command is provided over the bridge mechanism to the SMS as a query. Upon generating query results from the query, the results are passed over the bridge mechanism, and may be parsed for formatting and generation of a new results Web page by the bridge mechanism. Such a new results Web page is then provided to the information server, which may supply it to the requesting Web browser. 1 [0076] Also, an information server may contain, communicate, generate, obtain,

2 and/or provide program component, system, user, and/or data communications,

3 requests, and/or responses.

4 User Interface

5 [0077] Computer interfaces in some respects are similar to automobile operation

6 interfaces. Automobile operation interface elements such as steering wheels, gearshifts,

7 and speedometers facilitate the access, operation, and display of automobile resources,

8 and status. Computer interaction interface elements such as check boxes, cursors,

9 menus, scrollers, and windows (collectively and commonly referred to as widgets)

10 similarly facilitate the access, capabilities, operation, and display of data and computer

1 1 hardware and operating system resources, and status. Operation interfaces are

12 commonly called user interfaces. Graphical user interfaces (GUIs) such as the Apple

13 Macintosh Operating System's Aqua and iOS's Cocoa Touch, IBM's OS/2, Google's

14 Android Mobile UI, Microsoft's Windows

15 2000/2003/3.i/95/98/CE/Millenium/Mobile/NT/XP/Vista/7/8 (i.e., Aero, Metro),

16 Unix's X-Windows (e.g., which may include additional Unix graphic interface libraries

17 and layers such as K Desktop Environment (KDE), mythTV and GNU Network Object i s Model Environment (GNOME)), web interface libraries (e.g., ActiveX, AJAX, (D)HTML,

19 FLASH, Java, JavaScript, etc. interface libraries such as, but not limited to, Dojo,

20 jQuery(UI), MooTools, Prototype, script.aculo.us, SWFObject, Yahoo! User Interface,

21 any of which may be used and) provide a baseline and means of accessing and

22 displaying information graphically to users. 1 [0078] A user interface component 517 is a stored program component that is

2 executed by a CPU. The user interface may be a graphic user interface as provided by,

3 with, and/or atop operating systems and/or operating environments such as already

4 discussed. The user interface may allow for the display, execution, interaction,

5 manipulation, and/or operation of program components and/or system facilities

6 through textual and/or graphical facilities. The user interface provides a facility through

7 which users may affect, interact, and/or operate a computer system. A user interface

8 may communicate to and/or with other components in a component collection,

9 including itself, and/or facilities of the like. Most frequently, the user interface

10 communicates with operating systems, other program components, and/or the like. The

1 1 user interface may contain, communicate, generate, obtain, and/or provide program

12 component, system, user, and/or data communications, requests, and/or responses.

13 Web Browser

14 [0079] A Web browser component 518 is a stored program component that is

15 executed by a CPU. The Web browser may be a hypertext viewing application such as

16 Google's (Mobile) Chrome, Microsoft Internet Explorer, Netscape Navigator, Apple's

17 (Mobile) Safari, embedded web browser objects such as through Apple's Cocoa (Touch) i s object class, and/or the like. Secure Web browsing may be supplied with i28bit (or

19 greater) encryption by way of HTTPS, SSL, and/or the like. Web browsers allowing for

20 the execution of program components through facilities such as ActiveX, AJAX,

21 (D)HTML, FLASH, Java, JavaScript, web browser plug-in APIs (e.g., Chrome, FireFox,

22 Internet Explorer, Safari Plug-in, and/or the like APIs), and/or the like. Web browsers

23 and like information access tools may be integrated into PDAs, cellular telephones, smartphones, and/or other mobile devices. A Web browser may communicate to and/or with other components in a component collection, including itself, and/or facilities of the like. Most frequently, the Web browser communicates with information servers, operating systems, integrated program components (e.g., plug-ins), and/or the like; e.g., it may contain, communicate, generate, obtain, and/or provide program component, system, user, and/or data communications, requests, and/or responses. Also, in place of a Web browser and information server, a combined application may be developed to perform similar operations of both. The combined application would similarly effect the obtaining and the provision of information to users, user agents, and/or the like from the SMS equipped nodes. The combined application may be nugatory on systems employing standard Web browsers. Mail Server

[oo8o] A mail server component 521 is a stored program component that is executed by a CPU 503. The mail server may be an Internet mail server such as, but not limited to Apple's Mail Server (3), dovecot, sendmail, Microsoft Exchange, and/or the like. The mail server may allow for the execution of program components through facilities such as ASP, ActiveX, (ANSI) (Objective-) C (++), C# and/or .NET, CGI scripts, Java, JavaScript, PERL, PHP, pipes, Python, WebObjects, and/or the like. The mail server may support communications protocols such as, but not limited to: Internet message access protocol (IMAP), Messaging Application Programming Interface (MAPI)/Microsoft Exchange, post office protocol (POP3), simple mail transfer protocol (SMTP), and/or the like. The mail server can route, forward, and process incoming and outgoing mail messages that have been sent, relayed and/or otherwise traversing through and/or to the SMS. [ o o 81 ] Access to the SMS mail may be achieved through a number of APIs offered by the individual Web server components and/or the operating system. [0082] Also, a mail server may contain, communicate, generate, obtain, and/or provide program component, system, user, and/or data communications, requests, information, and/or responses. Mail Client

[0083] A mail client component 522 is a stored program component that is executed by a CPU 503. The mail client may be a mail viewing application such as Apple (Mobile) Mail, Microsoft Entourage, Microsoft Outlook, Microsoft Outlook Express, Mozilla, Thunderbird, and/or the like. Mail clients may support a number of transfer protocols, such as: IMAP, Microsoft Exchange, POP3, SMTP, and/or the like. A mail client may communicate to and/or with other components in a component collection, including itself, and/or facilities of the like. Most frequently, the mail client communicates with mail servers, operating systems, other mail clients, and/or the like; e.g., it may contain, communicate, generate, obtain, and/or provide program component, system, user, and/or data communications, requests, information, and/or responses. Generally, the mail client provides a facility to compose and transmit electronic mail messages. Cryptographic Server

[0084] A cryptographic server component 520 is a stored program component that is executed by a CPU 503, cryptographic processor 526, cryptographic processor interface 527, cryptographic processor device 528, and/or the like. Cryptographic processor interfaces will allow for expedition of encryption and/or decryption requests by the cryptographic component; however, the cryptographic component, alternatively, may run on a CPU. The cryptographic component allows for the encryption and/or decryption of provided data. The cryptographic component allows for both symmetric and asymmetric (e.g., Pretty Good Protection (PGP)) encryption and/or decryption. The cryptographic component may employ cryptographic techniques such as, but not limited to: digital certificates (e.g., X.509 authentication framework), digital signatures, dual signatures, enveloping, password access protection, public key management, and/or the like. The cryptographic component will facilitate numerous (encryption and/or decryption) security protocols such as, but not limited to: checksum, Data Encryption Standard (DES), Elliptical Curve Encryption (ECC), International Data Encryption Algorithm (IDEA), Message Digest 5 (MD5, which is a one way hash operation), passwords, Rivest Cipher (RC5), Rijndael, RSA (which is an Internet encryption and authentication system that uses an algorithm developed in 1977 by Ron Rivest, Adi Shamir, and Leonard Adleman), Secure Hash Algorithm (SHA), Secure Socket Layer (SSL), Secure Hypertext Transfer Protocol (HTTPS), and/or the like. Employing such encryption security protocols, the SMS may encrypt all incoming and/or outgoing communications and may serve as node within a virtual private network (VPN) with a wider communications network. The cryptographic component facilitates the process of "security authorization" whereby access to a resource is inhibited by a security protocol wherein the cryptographic component effects authorized access to the secured resource. In addition, the cryptographic component may provide unique identifiers of content, e.g., employing and MD5 hash to obtain a unique signature for an digital audio file. A cryptographic component may communicate to and/or with other components in a component collection, including itself, and/or facilities of the like. The cryptographic component supports encryption schemes allowing for the secure transmission of information across a communications network to enable the SMS component to engage in secure transactions if so desired. The cryptographic component facilitates the secure accessing of resources on the SMS and facilitates the access of secured resources on remote systems; i.e., it may act as a client and/or server of secured resources. Most frequently, the cryptographic component communicates with information servers, operating systems, other program components, and/or the like. The cryptographic component may contain, communicate, generate, obtain, and/or provide program component, system, user, and/or data communications, requests, and/or responses. The SMS Database

[0085] The SMS database component 519 may be embodied in a database and its stored data. The database is a stored program component, which is executed by the CPU; the stored program component portion configuring the CPU to process the stored data. The database may be any of a number of fault tolerant, relational, scalable, secure database such as DB2, MySQL, Oracle, Sybase, and/or the like. Relational databases are an extension of a flat file. Relational databases consist of a series of related tables. The tables are interconnected via a key field. Use of the key field allows the combination of the tables by indexing against the key field; i.e., the key fields act as dimensional pivot points for combining information from various tables. Relationships generally identify links maintained between tables by matching primary keys. Primary keys represent fields that uniquely identify the rows of a table in a relational database. More precisely, they uniquely identify rows of a table on the "one" side of a one-to-many relationship.

[0086] Alternatively, the SMS database may be implemented using various standard data-structures, such as an array, hash, (linked) list, struct, structured text file (e.g., XML), table, and/or the like. Such data-structures may be stored in memory and/or in (structured) files. In another alternative, an object-oriented database may be used, such as Frontier, ObjectStore, Poet, Zope, and/or the like. Object databases can include a number of object collections that are grouped and/or linked together by common attributes; they may be related to other object collections by some common attributes. Object-oriented databases perform similarly to relational databases with the exception that objects are not just pieces of data but may have other types of capabilities encapsulated within a given object. If the SMS database is implemented as a data- structure, the use of the SMS database 519 may be integrated into another component such as the SMS component 535. Also, the database may be implemented as a mix of data structures, objects, and relational structures. Databases may be consolidated and/or distributed in countless variations through standard data processing techniques. Portions of databases, e.g., tables, may be exported and/or imported and thus decentralized and/or integrated.

[0087] In one embodiment, the database component 519 includes several tables 5i9a-l. A Users table 519a may include fields such as, but not limited to: user_id, ssn, dob, first_name, last_name, age, state, address_firstline, address_secondline, zipcode, devices_list, contact_info, contact_type, alt_contact_info, alt_contact_type, userjbiometrics, and/or the like. The Users table may support and/or track multiple entity accounts on a SMS. A Devices table 519b may include fields such as, but not limited to: device_ID, device_name, device_IP, device_MAC, device_type, device_model, device_version, device_OS, device_apps_list, device_securekey, wallet_app_installed_flag, device_browser, device_plugin_list, device_font_list, device_screen_size, device_time_zone, and/or the like. An Apps table 519c may include fields such as, but not limited to: app_ID, app_name, app_type, app_dependencies, and/or the like. An Accounts table 5i9d may include fields such as, but not limited to: account_number, account_security_code, account_name, issuer_acquirer_flag, issuer_name, acquirer_name, account_address, routing_number, access_API_call, linked_wallets_list, and/or the like. A Merchants table 5i9e may include fields such as, but not limited to: merchant_id, merchant_name, merchant_address, ip_address, mac_address, auth_key, port_num, security_settings_list, and/or the like. An Issuers table 5i9f may include fields such as, but not limited to: issuer_id, issuer_name, issuer_address, ip_address, mac_address, auth_key, port_num, security_settings_list, and/or the like. An Acquirers table 5i9g may include fields such as, but not limited to: acquirer_id, account_firstname, account_lastname, account_type, account_num, account_ balance_list, billing address_ linei, billingaddress_ line2, billing_zipcode, billing_state, shipping_preferences, shippingaddress_linei, shippingaddress_line2, shipping_ zipcode, shipping_state, and/or the like. A Pay Gateways table 519b may include fields such as, but not limited to: gateway_ID, gateway_IP, gateway_MAC, gateway_secure_key, gateway_access_list, gateway_API_call_list, gateway_services_list, and/or the like. A Transactions table 1 5191 may include fields such as, but not limited to: order_id, user_id, timestamp,

2 transaction_cost, purchase_details_list, num_products, products_list, product_type,

3 product_params_list, product_title, product_summary, quantity, user_id, client_id,

4 client_ip, client_type, client_model, operating_system, os_version, app_installed_flag,

5 user_id, account_firstname, account_lastname, account_type, account_num,

6 account_priority_account_ratio, billingaddress_linei, billingaddress_line2,

7 billing_zipcode, billing_state, shipping_preferences, shippingaddress_linei,

8 shipping address_line2, shipping_ zipcode, shipping_state, merchant_id,

9 merchant_name, merchant_auth_key, and/or the like. A Batches table 5i9j may

10 include fields such as, but not limited to: batch_id, transaction_id_list, timestamp_list,

1 1 cleared_flag_list, clearance_trigger_ settings, and/or the like. A Decoded Code

12 Contents table 519k may include fields such as, but not limited to: code_id, timestamp,

13 link_id, app_id, scripts_id, linksjblacklist, links_whitelist, apps_blacklist,

14 links_whitelist, and/or the like. A Products table 519I may include fields such as, but

15 not limited to: product_ID, product_title, product_attributes_list, product_price,

16 tax_info_list, related_products_ list, offers_list, discounts_list, rewards_list,

17 merchants_list, merchant_availability_list, and/or the like. A Digital Signatures table

18 519m may include fields such as, but not limited to: digital_sign_ID,

19 digital_sign_whitelist, digital_sign_blacklist, plugins_list, fonts_list, time_zones,

20 screen_size, flash_id, user_agent_id, and/or the like.

21 [0088] In one embodiment, the SMS database may interact with other database

22 systems. For example, employing a distributed database system, queries and data access

23 by search SMS component may treat the combination of the SMS database, an

24 integrated data security layer database as a single database entity. 1 [0089] In one embodiment, user programs may contain various user interface

2 primitives, which may serve to update the SMS. Also, various accounts may require

3 custom database tables depending upon the environments and the types of clients the

4 SMS may need to serve. It should be noted that any unique fields may be designated as a

5 key field throughout. In an alternative embodiment, these tables have been

6 decentralized into their own databases and their respective database controllers (i.e.,

7 individual database controllers for each of the above tables). Employing standard data

8 processing techniques, one may further distribute the databases over several computer

9 systemizations and/or storage devices. Similarly, configurations of the decentralized

10 database controllers may be varied by consolidating and/or distributing the various

1 1 database components 5i9a-l. The SMS may be configured to keep track of various

12 settings, inputs, and parameters via database controllers.

13 [0090] The SMS database may communicate to and/or with other components in

14 a component collection, including itself, and/or facilities of the like. Most frequently, the

15 SMS database communicates with the SMS component, other program components,

16 and/or the like. The database may contain, retain, and provide information regarding

17 other nodes and data. i s The SMSs

19 [0091] The SMS component 535 is a stored program component that is executed

20 by a CPU. In one embodiment, the SMS component incorporates any and/or all

21 combinations of the aspects of the SMS discussed in the previous figures. As such, the

22 SMS affects accessing, obtaining and the provision of information, services,

23 transactions, and/or the like across various communications networks. [0092] The SMS component may provide verification, access and security, via SMS components, to virtual wallet based electronic financial transactions. In one embodiment, the SMS component 535 takes inputs (e.g., code snapshot input 109; security verification request 111; purchase checkout request 202; wallet access authorization request 204; and/or the like) etc., and transforms the inputs via various components (e.g., DCDV 523; DCPV 524; UIV 525; and/or the like), into outputs (e.g., verified code contents 117; purchase checkout response 203; wallet authorization 210; and/or the like). [0093] The SMS component enabling access of information between nodes may be developed by employing standard development tools and languages such as, but not limited to: Apache components, Assembly, ActiveX, binary executables, (ANSI) (Objective-) C (++), C# and/or .NET, database adapters, CGI scripts, Java, JavaScript, mapping tools, procedural and object oriented development tools, PERL, PHP, Python, shell scripts, SQL commands, web application server extensions, web development environments and libraries (e.g., Microsoft's ActiveX; Adobe AIR, FLEX & FLASH; AJAX; (D)HTML; Dojo, Java; JavaScript; jQuery(UI); MooTools; Prototype; script.aculo.us; Simple Object Access Protocol (SOAP); SWFObject; Yahoo! User Interface; and/or the like), WebObjects, and/or the like. In one embodiment, the SMS server employs a cryptographic server to encrypt and decrypt communications. The SMS component may communicate to and/or with other components in a component collection, including itself, and/or facilities of the like. Most frequently, the SMS component communicates with the SMS database, operating systems, other program components, and/or the like. The SMS may contain, communicate, generate, obtain, and/or provide program component, system, user, and/or data communications, requests, and/or responses. Distributed SMSs

[0094] The structure and/or operation of any of the SMS node controller components may be combined, consolidated, and/or distributed in any number of ways to facilitate development and/or deployment. Similarly, the component collection may be combined in any number of ways to facilitate deployment and/or development. To accomplish this, one may integrate the components into a common code base or in a facility that can dynamically load the components on demand in an integrated fashion. [0095] The component collection may be consolidated and/or distributed in countless variations through standard data processing and/or development techniques. Multiple instances of any one of the program components in the program component collection may be instantiated on a single node, and/or across numerous nodes to improve performance through load-balancing and/or data-processing techniques. Furthermore, single instances may also be distributed across multiple controllers and/or storage devices; e.g., databases. All program component instances and controllers working in concert may do so through standard data processing communication techniques. [0096] The configuration of the SMS controller will depend on the context of system deployment. Factors such as, but not limited to, the budget, capacity, location, and/or use of the underlying hardware resources may affect deployment requirements and configuration. Regardless of if the configuration results in more consolidated and/or integrated program components, results in a more distributed series of program components, and/or results in some combination between a consolidated and distributed configuration, data may be communicated, obtained, and/or provided. Instances of components consolidated into a common code base from the program component collection may communicate, obtain, and/or provide data. This may be accomplished through intra-application data processing communication techniques such as, but not limited to: data referencing (e.g., pointers), internal messaging, object instance variable communication, shared memory space, variable passing, and/or the like. [0097] If component collection components are discrete, separate, and/or external to one another, then communicating, obtaining, and/or providing data with and/or to other components may be accomplished through inter-application data processing communication techniques such as, but not limited to: Application Program Interfaces (API) information passage; (distributed) Component Object Model ((D)COM), (Distributed) Object Linking and Embedding ((D)OLE), and/or the like), Common Object Request Broker Architecture (CORBA), Jini local and remote application program interfaces, JavaScript Object Notation (JSON), Remote Method Invocation (RMI), SOAP, process pipes, shared files, and/or the like. Messages sent between discrete component components for inter-application communication or within memory spaces of a singular component for intra-application communication may be facilitated through the creation and parsing of a grammar. A grammar may be developed by using development tools such as lex, yacc, XML, and/or the like, which allow for grammar generation and parsing capabilities, which in turn may form the basis of communication messages within and between components. [0098] For example, a grammar may be arranged to recognize the tokens of an HTTP post command, e.g.:

w3c -post http : / / . . . Valuel [0099] where Valuei is discerned as being a parameter because "http://" is part of the grammar syntax, and what follows is considered part of the post value. Similarly, with such a grammar, a variable "Valuel" may be inserted into an "http://" post command and then sent. The grammar syntax itself may be presented as structured data that is interpreted and/or otherwise used to generate the parsing mechanism (e.g., a syntax description text file as processed by lex, yacc, etc.). Also, once the parsing mechanism is generated and/or instantiated, it itself may process and/or parse structured data such as, but not limited to: character (e.g., tab) delineated text, HTML, structured text streams, XML, and/or the like structured data. In another embodiment, inter-application data processing protocols themselves may have integrated and/or readily available parsers (e.g., JSON, SOAP, and/or like parsers) that may be employed to parse (e.g., communications) data. Further, the parsing grammar may be used beyond message parsing, but may also be used to parse: databases, data collections, data stores, structured data, and/or the like. Again, the desired configuration will depend upon the context, environment, and requirements of system deployment. [00100] For example, in some implementations, the SMS controller may be executing a PHP script implementing a Secure Sockets Layer ("SSL") socket server via the information server, which listens to incoming communications on a server port to which a client may send data, e.g., data encoded in JSON format. Upon identifying an incoming communication, the PHP script may read the incoming message from the client device, parse the received JSON-encoded text data to extract information from the JSON-encoded text data into PHP script variables, and store the data (e.g., client identifying information, etc.) and/or extracted information in a relational database accessible using the Structured Query Language ("SQL"). An exemplary listing, written substantially in the form of PHP/SQL commands, to accept JSON-encoded input data from a client device via a SSL connection, parse the data to extract variables, and store the data to a database, is provided below:

< ?PHP

header (' Content-Type : text/plain'); // set ip address and port to listen to for incoming data

$address = ¹ 1 92 . 1 68 . 0 . 1 00 ' ;

$port = 2 55 ; // create a server-side SSL socket, listen for/accept incoming communication $sock = socket_create (AF_INET, SOCK_STREAM, 0 ) ;

socket_bind ($sock, $address, $port) or die ( 'Could not bind to address');

socket_listen ($sock) ;

$client = socket_accept ($sock) ; // read input data from client device in 1024 byte blocks until end of message do {

$ input = "";

$input = socket_read ( $client, 1 02 4 ) ;

$data .= $input;

} while ($ input != "") ; // parse data to extract variables

$obj = j son_decode ( $data, true) ; // store input data in a database

mysql_connect ( " 201 . 408 . 185 . 132 " , $DBserver , $password) ; // access database server mysql_select ( "CLIENT_DB . SQL" ) ; // select database to append

mysql_query ("INSERT INTO UserTable (transmission)

VALUES ($data)"); // add data to UserTable table in a CLIENT database

mysql_close ( "CLIENT_DB. SQL" ) ; // close connection to database ? > [ooioi] Also, the following resources may be used to provide example embodiments regarding SOAP parser implementation: http : / /www . xav . com/perl/ site/ lib/ SOAP/Parser . html

http : / /publib . boulder . ibm . com/ infocenter/tivihelp/v2r1/ index. j sp?topic=/com . ibm . IBMDI . doc/ referenceguide295. htm [00102] and other parser implementations: http : / /publib . boulder . ibm . com/ infocenter/tivihelp/v2r1/ index. j sp?topic=/com . ibm . IBMDI . doc/referenceguide259. htm [oo1o 3 ] all of which are hereby expressly incorporated by reference herein.

[00104] In order to address various issues and advance the art, the entirety of this application for SNAP MOBILE SECURITY APPARATUSES, METHODS AND SYSTEMS (including the Cover Page, Title, Headings, Field, Background, Summary, Brief Description of the Drawings, Detailed Description, Claims, Abstract, Figures, Appendices and/or otherwise) shows, by way of illustration, various example embodiments in which the claimed innovations may be practiced. The advantages and features of the application are of a representative sample of embodiments only, and are not exhaustive and/or exclusive. They are presented only to assist in understanding and teach the claimed principles. It should be understood that they are not representative of all claimed innovations. As such, certain aspects of the disclosure have not been discussed herein. That alternate embodiments may not have been presented for a specific portion of the innovations or that further undescribed alternate embodiments may be available for a portion is not to be considered a disclaimer of those alternate embodiments. It will be appreciated that many of those undescribed embodiments incorporate the same principles of the innovations and others are equivalent. Thus, it is to be understood that other embodiments may be utilized and functional, logical, operational, organizational, structural and/or topological modifications may be made without departing from the scope and/or spirit of the disclosure. As such, all examples and/or embodiments are deemed to be non-limiting throughout this disclosure. Also, no inference should be drawn regarding those embodiments discussed herein relative to those not discussed herein other than it is as such for purposes of reducing space and repetition. For instance, it is to be understood that the logical and/or topological structure of any combination of any data flow sequence(s), program components (a component collection), other components, and/or any present feature sets as described in the figures and/or throughout are not limited to a fixed operating order and/or arrangement, but rather, any disclosed order is exemplary and all equivalents, regardless of order, are contemplated by the disclosure. Furthermore, it is to be understood that such features are not limited to serial execution, but rather, any number of threads, processes, processors, services, servers, and/or the like that may execute asynchronously, concurrently, in parallel, simultaneously, synchronously, and/or the like also are contemplated by the disclosure. As such, some of these features may be mutually contradictory, in that they cannot be simultaneously present in a single embodiment. Similarly, some features are applicable to one aspect of the innovations, and inapplicable to others. In addition, the disclosure includes other innovations not presently claimed. Applicant reserves all rights in those presently unclaimed innovations, including the right to claim such innovations, file additional applications, continuations, continuations-in-part, divisions, and/or the like thereof. As such, it should be understood that advantages, embodiments, examples, functional, features, logical, operational, organizational, structural, topological, and/or other aspects of the disclosure are not to be considered limitations on the disclosure as defined by the claims or limitations on equivalents to the claims. It is to be understood that, depending on the particular needs and/or characteristics of a SMS individual and/or enterprise user, database configuration and/or relational model, data type, data transmission and/or network framework, syntax structure, and/or the like, various embodiments of the SMS may be implemented that allow a great deal of flexibility and customization. For example, aspects of the SMS may be adapted for securing online shopping, information exchange and processing, and/or the like. While various embodiments and discussions of the SMS have been directed to electronic purchase transactions, however, it is to be understood that the embodiments described herein may be readily configured and/or customized for a wide variety of other applications and/or implementations.

Claims

1 CLAI MS

2 What is claimed is:

3

4 l. A snap mobile security processor-implemented method, comprising:

5 receiving, through one or more processors, a request from a user's device

6 to decode a scannable code and verify the security of the decoded code's contents;

7 decoding, through the one or more processors, the scannable code to

8 obtain code contents requesting access to the wallet account;

9 obtaining from the user, through the one or more processors, digital

10 fingerprints of the user device and a request identifier for the request to access the

1 1 wallet account;

12 receiving from the access requester, through the one or more processors,

13 digital signatures for the requester and the request identifier;

14 confirming, through the one or more processors, that the digital

16 account;

17 confirming, through the one or more processors, the received digital i s signatures verify the access requester and the request are authorized to access the wallet

19 account; and

20 sending, through the one or more processors, wallet unlock and activity

21 unlock keys to the device for activity access to the wallet.

22

2. The method of claim l, wherein the scannable code is provided by receiving a snapshot of a quick response (QR) code.

3. The method of claim 2, wherein the wireless mobile communication device is used to capture an image of the QR code.

4. The method of claim 2, wherein the undecoded snapshot is transferred to a security server for decoding the code contents.

5. The system of claim 4, wherein the security server decodes the undecoded code and verifies validity and security of the contents of the decoded code.

6. The method of claim 5, wherein contents of the decoded code contain a Uniform Resource Locator (URL) link that leads to a fraudulent website.

7. The method of claim 5, wherein the decoded code may compromises security of a user's device by subjecting it to malicious attacks.

8. The method of claim 1, wherein the code contents of the decoded code is sent to a security server to verify the validity and security of the contents.

9. The method of claim 1, wherein the contents of the decoded code is determined to pose a security risk to the user device by comparing the decoded code contents to black and white lists of the code contents.

10. The method of claim l, wherein a user's wireless mobile communications device redirected to a link for the wireless mobile communications device to execute the link.

11. The method of claim l, wherein based upon retrieved links being determined in the decoded code as secure, a user's wireless mobile communications device launches one or more of the retrieved links.

12. The method of claim n, wherein a web hosting server responds back to a security server with the requested destination of one of the retrieved links.

13. The method of claim 12, wherein the web hosting server provides a webpage in response to the security server.

14. The method of claim 13, wherein contents of the webpage are provided to the user's wireless mobile communications device.

15. The method of claim 1, wherein based upon verifying security of the decoded contents of the code, the user's wireless mobile communications device executes on the decoded contents.

16. The method of claim 15, wherein the codes include item codes for products.

17. The method of claim 16, wherein the user's wireless mobile communications device launches a URL link to initiate a purchase request.

18. The method of claim 16, wherein the user's wireless mobile communications device downloads and launches an application to initiate a purchase request.

19. The method of claim 16, wherein a webpage at the URL link requests access to a wallet account on the user's wireless mobile communications device to initiate payment for the purchase.

20. The method of claim 16, wherein a webpage at the URL link access to a wallet account on the user's wireless mobile communications device to initiate payment for the purchase.

21. The method of claim 16, wherein a launched app requests access to a wallet account on the user's wireless mobile communications device to initiate payment for the purchase.

22. A snap mobile security system, comprising:

a processor; and

a memory disposed in communication with the processor and storing processor- issuable instructions to:

receive a request from a user's device to decode a scannable code and verify the security of the decoded code's contents; 1 decode the scannable code to obtain code contents requesting access to the

2 wallet account;

3 obtain from the user digital fingerprints of the user device and a request

4 identifier for the request to access the wallet account;

5 receive from the access requester digital signatures for the requester and

6 the request identifier;

7 confirm the digital fingerprints of the user device verify the device is

8 authorized to access the wallet account;

9 confirm the received digital signatures verify the access requester and the

10 request are authorized to access the wallet account; and

1 1 send wallet unlock and activity unlock keys to the device for activity access

12 to the wallet.

13

14 23. A processor-readable non-transitory medium storing processor-issuable snap

15 mobile security instructions to:

16 receive a request from a user's device to decode a scannable code and

17 verify the security of the decoded code's contents;

i s decode the scannable code to obtain code contents requesting access to the

19 wallet account;

20 obtain from the user digital fingerprints of the user device and a request

21 identifier for the request to access the wallet account;

22 receive from the access requester digital signatures for the requester and

23 the request identifier; confirm the digital fingerprints of the user device verify the device is authorized to access the wallet account;

confirm the received digital signatures verify the access requester and the request are authorized to access the wallet account; and

send wallet unlock and activity unlock keys to the device for activity access to the wallet.