Secured Mobile Transaction Device

Abstract

The present invention relates to a secured transaction system. In one embodiment, a computer implemented method for generating a transaction at a mobile device includes receiving a transaction type selected by a user and a user password via a touch screen display of the mobile device; forming, by a processor of the mobile device, a unique transaction description using the transaction type, the user password, a transaction amount, and a transaction time stamp; generating dynamically, by the processor of the mobile device, a scrambled two dimensional bit map representing the unique transaction description; displaying, by the touch screen display of the mobile device, the scrambled two dimensional bit map; and transmitting, by a transceiver of the mobile device, the scrambled two dimensional bit map to a mobile transaction processing agent for processing.

What is claimed is: 
     
         1 . A computer implemented method for generating a transaction at a mobile device, comprising:
 receiving a transaction type selected by a user and a user password via a touch screen display of the mobile device;   forming, by a processor of the mobile device, a unique transaction description using the transaction type, the user password, a transaction amount, and a transaction time stamp;   generating dynamically, by the processor of the mobile device, a scrambled two dimensional bit map representing the unique transaction description;   displaying, by the touch screen display of the mobile device, the scrambled two dimensional bit map; and   transmitting, by a transceiver of the mobile device, the scrambled two dimensional bit map to a mobile transaction processing agent for processing.   
     
     
         2 . The computer implemented method of  claim 1 , wherein receiving the transaction type comprises at least one of:
 receiving a selection of mobile cash;   receiving a selection of mobile check; or   receiving a selection of mobile credit.   
     
     
         3 . The computer implemented method of  claim 1 , wherein forming the unique transaction description further comprises:
 forming the unique transaction description using an issuer ID, an account ID, a merchant ID, and a point-of-sale GPS location of the mobile device.   
     
     
         4 . The computer implemented method of  claim 3 , wherein forming the unique transaction description further comprises:
 updating the account ID using an enigma code according to a predetermined period of time; or   updating the account ID using the enigma code according to a random period of time.   
     
     
         5 . The computer implemented method of  claim 4 , wherein transmitting the scrambled two dimensional bit map comprises:
 transmitting the scrambled two dimensional bit map using a near field communication device; or   transmitting the scrambled two dimensional bit map using the touch screen display for receiving by an optical scanning device.   
     
     
         6 . The computer implemented method of  claim 1  further comprising:
 receiving a transaction record from the mobile transaction processing agent, wherein the transaction in the transaction record includes a corresponding point-of-sale GPS location of the mobile device, and 
 storing the transaction record in a memory of the mobile device. 
 
     
     
         7 . The computer implemented method of  claim 6 , further comprising:
 verifying validity of the transaction using the corresponding point-of-sale GPS location of the mobile device;   identifying a fraudulent activity according to a discrepancy between the corresponding point-of-sale GPS location and an actual GPS location of the mobile device; and   reporting the fraudulent activity to the user of the mobile device.   
     
     
         8 . The computer implemented method of  claim 7 , wherein verifying validity of the transaction comprises:
 examining a group of transactions within a time period; and   displaying a map with markings of locations of the group of transactions.   
     
     
         9 . The computer implemented method of  claim 7 , wherein verifying validity of the transaction further comprises:
 displaying the point-of-sale GPS location of the transaction record on a map; and   displaying a photo of a business where the transaction occurred.   
     
     
         10 . The computer implemented method of  claim 7 , wherein reporting the fraudulent activity comprises:
 generating at least one of instant message, email, ringtone, or vibration to notify the user of the mobile device.   
     
     
         11 . A mobile device, comprising:
 a touch screen display configured to receive a transaction type selected by a user and a user password;   a processor configured to:
 form a unique transaction description using the transaction type, the user password, a transaction amount, and a transaction time stamp; 
 generate dynamically a scrambled two dimensional bit map representing the unique transaction description; 
   the touch screen display is further configured to display the scrambled two dimensional bit map; and   a transceiver configured to transmit the scrambled two dimensional bit map to a mobile transaction processing agent for processing.   
     
     
         12 . The mobile device of  claim 11 , wherein the touch screen display configured to receive at least one of:
 a selection of mobile cash;   a selection of mobile check; or   a selection of mobile credit.   
     
     
         13 . The mobile device of  claim 11 , wherein the processor is further configured to:
 form the unique transaction description using an issuer ID, an account ID, a merchant ID, and a point-of-sale GPS location of the mobile device.   
     
     
         14 . The mobile device of  claim 13 , wherein the processor is further configured to:
 update the account ID using an enigma code according to a predetermined period of time; or   update the account ID using the enigma code according to a random period of time.   
     
     
         15 . The mobile device of  claim 14 , wherein the transceiver is further configured to:
 transmit the scrambled two dimensional bit map using a near field communication device; or   transmit the scrambled two dimensional bit map using the touch screen display for receiving by an optical scanning device.   
     
     
         16 . The mobile device of  claim 11 , wherein the processor is further configured to:
 receive a transaction record from the mobile transaction processing agent, wherein a transaction in the transaction record includes a corresponding point-of-sale GPS location of the mobile device, and   store the transaction record in a memory of the mobile device.   
     
     
         17 . The mobile device of  claim 16 , wherein the processor is further configured to:
 verify validity of the transaction using the corresponding point-of-sale GPS location of the mobile device;   identify a fraudulent activity according to a discrepancy between the corresponding point-of-sale GPS location and an actual GPS location of the mobile device; and   report the fraudulent activity to the user of the mobile device.   
     
     
         18 . The mobile device of  claim 17 , wherein the processor is further configured to:
 examine a group of transactions within a time period; and   display a map with markings of locations of the group of transactions.   
     
     
         19 . The mobile device of  claim 17 , wherein the processor is further configured to:
 display the point-of-sale GPS location of the transaction record on a map; and   display a photo of a business where the transaction occurred.   
     
     
         20 . The mobile device of  claim 17 , wherein the processor is further configured to:
 generate at least one of instant message, email, ringtone, or vibration to notify the user of the mobile device.