Scott E Goldthwaite

Address:

16 Gridley Bryant Rd, Scituate, MA 02066

VIN:

5FNYF4H74BB032836

Make:

HONDA

Model:

PILOT

Year:

2011

US Patent:

7280847, Oct 9, 2007

Filed:

Mar 18, 2004

Appl. No.:

10/803825

Inventors:

Scott Goldthwaite - Hingham MA, US
Andrew Petrov - Princeton NJ, US
Andrei Doudkine - Salem MA, US

Assignee:

Way Systems Inc - Woburn MA

International Classification:

H04Q 7/20
H04Q 7/32

US Classification:

455558, 4555501, 455410, 455411, 4554121, 4554261, 4555751, 4554221, 37943301, 37943309, 370310, 370328, 370329

Abstract:

A system for performing mobile transactions includes a mobile communication device connecting to a server device via a first network. The mobile communication device includes a subscriber identification module (SIM) card slot and a virtual subscriber identification (VSIM) interface connected to the SIM card slot and it provides subscriber identity authentication to the server device via the VSIM interface. The mobile communication device further includes a mobile transaction client application for managing the communication between the mobile communication device and the server device. The mobile transaction client application manages the communication between the mobile device and the server device utilizing the Bearer Independent Protocol as defined in the European Telecommunications Standards Institute document ETSI TS 101 267 (3GPP TS 11. 14).

US Patent:

7336973, Feb 26, 2008

Filed:

Oct 28, 2003

Appl. No.:

10/695585

Inventors:

Scott Goldthwaite - Hingham MA, US
William Graylin - Woburn MA, US

Assignee:

Way Systems, Inc - Woburn MA

International Classification:

H04B 1/38

US Classification:

455558, 4555501

Abstract:

A wireless mobile device is adapted to access a wireless network and includes a subscriber identification module (SIM) card slot and a magnetic stripe reader module electrically connected to the SIM card slot and thereby to the wireless mobile phone. The magnetic stripe reader module is adapted to receive and read information stored in a magnetic stripe and transmit this information to an entity through the wireless mobile device and the wireless network. The wireless mobile device of this invention is used to conduct financial transactions using a payment card comprising a magnetic stripe. The financial transactions include face-to-face or remote purchases and payment with the payment card through a financial institution.

US Patent:

20040019564, Jan 29, 2004

Filed:

Jul 26, 2002

Appl. No.:

10/205768

Inventors:

Scott Goldthwaite - Hingham MA, US
Geoff Crellin - Richardson TX, US
William Graylin - Woburn MA, US

International Classification:

G06F017/60

US Classification:

705/044000

Abstract:

An electronic payment system utilized by a customer to pay for the purchase of a good and/or a service with a payment card. The payment system includes a merchant server, an authentication server and a communication device. The merchant server is in connection with a first network and is adapted to receive a purchase order by the customer for the purchase of a good and/or a service and to create a digital purchase order. The authentication server is in connection with the first network and is adapted to receive the digital purchase order from the merchant server over the first network, format the digital purchase order into a first message and route it over a second network to the communication device. The communication device includes the identification information of the payment card, and is adapted to receive the first message from the authentication server over the second network, display the first message to the customer, request and receive authorization for payment for the purchase order from the customer, retrieve payment card identification information, request and receive payment card security information from the customer, and route the authorization result and in case of a positive authorization result the payment card identification and security information to the authentication server over the second network. The authorization result and payment card identification and security information are routed over the first network from the authentication server to the financial institution that has issued the payment card. The financial institution is asked to approve and execute the requested payment and to route the payment approval result through the authentication server to the merchant server and to the communication device.

US Patent:

20040127256, Jul 1, 2004

Filed:

Jul 23, 2003

Appl. No.:

10/625823

Inventors:

Scott Goldthwaite - Hingham MA, US
William Graylin - Woburn MA, US

International Classification:

H04M001/00

US Classification:

455/558000, 455/466000

Abstract:

A wireless mobile device is adapted to access a wireless network and includes a subscriber identification module (SIM) card slot and a contactless smart card module electrically connected to the SIM card slot and thereby to the wireless mobile phone. The contactless smart card module is adapted to receive and read information stored in the contactless smart card and transmit this information to an entity through the wireless mobile device and the wireless network. The wireless mobile device of this invention is used to conduct financial transactions using the contactless smart card. The financial transactions include face-to-face or remote purchases, payment with electronic cash stored in the contactless smart card, or payment with the contactless smart card through a financial institution, and downloading and storing of digital goods or services in the contactless smart card.

US Patent:

20040181463, Sep 16, 2004

Filed:

Mar 25, 2004

Appl. No.:

10/808697

Inventors:

Scott Goldthwaite - Hingham MA, US
Damien Balsan - Arlington MA, US

International Classification:

G06F017/60

US Classification:

705/026000

Abstract:

The present invention describes a system and a method that utilizes transaction terminals equipped with smart card readers to download and store a batch of multiple prepaid electronic vouchers to a smart card, retrieve and decrypt individual prepaid vouchers from the smart card and print a voucher receipt with a printer in connection with the transaction terminal. The transaction terminals are in connection with a mobile transaction server that acts as a gateway to a prepaid system and routes transactions between transaction terminals and the prepaid system and between transaction terminals. The present invention also describes a method for storing a voucher encryption key on a second smart card or hardware security module. The voucher encryption key is utilized to decrypt encrypted vouchers on a voucher repository smart card. The present invention also describes a method of transferring encrypted vouchers between voucher smart cards using a single transaction terminal or multiple transaction terminals. The transaction terminals may be mobile devices communicating to the mobile transaction server over wireless networks or computers connected to a wired network.

US Patent:

20040230489, Nov 18, 2004

Filed:

Dec 5, 2003

Appl. No.:

10/729043

Inventors:

Scott Goldthwaite - Hingham MA, US
William Graylin - Woburn MA, US

International Classification:

G06F017/60

US Classification:

705/026000

Abstract:

An electronic payment and fulfillment system utilized by a customer for purchasing a digital good includes a merchant server, a payment server, an authentication server, a fulfillment server and a communication device. The merchant server receives a purchase order from the customer and creates a digital order comprising purchase order information. The payment server receives the digital order from the merchant server and further routes the digital order. The authentication server receives the digital order from the payment server, formats the digital order into a first message and further routes the first message. The communication device includes a payment card module and the payment card module receives a payment card and reads payment card identification information stored in the payment card. The communication device also receives the first message from the authentication server, displays the first message to the customer, requests and receives authorization for payment for the purchase order with the payment card from the customer, retrieves the payment card identification information, requests and receives payment card security information from the customer, and routes the authorization and the payment card identification and security information to the authentication server. The authentication server further routes the authorization and payment card identification and security information to the payment server and from the payment server to a financial institution. The financial institution executes the payment and sends a payment confirmation through the payment server to the merchant server and to a fulfillment server. The fulfillment server transmits the digital good via the authentication server to the communication device, and the communication device stores the digital good onto the payment card.

US Patent:

20120072350, Mar 22, 2012

Filed:

Nov 28, 2011

Appl. No.:

13/305625

Inventors:

Scott GOLDTHWAITE - Hingham MA, US
William GRAYLIN - Woburn MA, US

Assignee:

VeriFone, Inc. - San Jose CA

International Classification:

G06Q 20/40

US Classification:

705 44

Abstract:

A system processes a request by a customer to pay a transaction amount, using the customer's account, for a transaction between the customer and a merchant, to provide a payment to an account of the merchant. The transaction incorporates use of a mobile wireless device operated by the customer to provide identification information of the customer's account to an authentication server. A payment server coupled to the authentication server and the merchant passes merchant communications to the authentication server. The authentication server receives the transaction amount from the merchant and receives customer account information from the customer's wireless mobile device, and processes the transaction and account information and, if authenticated, routes the payment transaction to the payment server for payment to the merchant's account.

US Patent:

20130268443, Oct 10, 2013

Filed:

Mar 11, 2013

Appl. No.:

13/793013

Inventors:

Scott GOLDTHWAITE - Hingham MA, US
William GRAYLIN - Saugus MA, US

International Classification:

G06Q 20/38

US Classification:

705 64, 705 39, 705 17

Abstract:

A secure electronic payment transaction system includes a Secure Transaction Module (STM) and a host device. The STM includes hardware and software components that meet the security requirements of the payment card industry and provide secure payment transactions utilizing banking cards. The host device includes a communication modem for connecting to financial institutions via a network connection. The STM connects to the host device via an interface and communicates with the financial institutions via the host device's communication modem. The STM is self-sufficient and can be connected to any host device over any interface.