Information access device and data transfer

• US 10,095,276 B2
• Filed: 11/23/2010
• Issued: 10/09/2018
• Est. Priority Date: 11/25/2009
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Faith, Patrick, Carlson, Mark, Hammad, Ayman, Rewis, Ben, Koganti, Kris
• Primary Examiner(s): Fu, Hao
• Application Number:
  US12/953,372
• Publication Number:
  US 20110191237A1
• Time in Patent Office: 2,877 Days
• Field of Search: 705 14, 705 26, 705 27, 455 412, 455 411
• CPC Class Codes: G06F 1/1694 the I/O peripheral being a single or a set of motion sensors for pointer control or gesture input obtained by sensing movements of the portable computer
• CPC Class Codes: G06F 21/40 by quorum, i.e. whereby two or more security principals are required
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: H04W 12/08 Access security
• CPC Class Codes: H04W 12/68 Gesture-dependent or behaviour-dependent

Abstract

Embodiments of the present invention are directed to systems, apparatuses and methods for using a first device with an accelerometer to transfer data by making contact with a second device with an accelerometer, thereby generating interaction data that is representative of the physical contact between the mobile device and the second device. The first device may be a mobile phone. The second device may be a mobile phone or a stationary kiosk or terminal. A first device with an accelerometer physically contacts the second device. Each of the first and second devices generate interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the first and second device. A server computer determines, based on interaction data, that the first device and the second device physically contact each other. After determining that the mobile device and the second device made contact, communications may be initiated between the devices. Communications may include customer-provided information (e.g., shopping lists) and merchant-provided information (e.g., items in stock or on sale from the consumer'"'"'s shopping list). In some embodiments, at least two independent interactions between three devices transfer data from a first computing device to a second computing device, after each of the first and second computing devices independently interacts with a mobile device.

Claims

1. A method comprising:

receiving, at a remote server, via a communication network, first physical interaction data from a mobile device comprising a first processor, a first accelerometer coupled to the first processor, and a first application that is operable to connect the mobile device to the remote server via the communication network, wherein the first physical interaction data represents a first external force acting on the mobile device and comprises first accelerometer data, first location data, and first time data;

receiving, at the remote server, via the communication network, second physical interaction data from an information terminal comprising a second accelerometer, a second processor coupled to the second accelerometer, and a second application that is operable to connect the information terminal to the remote server via the communication network, wherein the second physical interaction data represents a second external force acting on the information terminal and comprises second accelerometer data, second location data, and second time data;

responsive to receiving first and second interaction data, determining, by a pairing algorithm in the remote server that the mobile device interacted with the information terminal by comparing the first physical interaction data and the second physical interaction data, wherein the pairing algorithm compares the first and second location data before comparing the first and second accelerometer data, and wherein the first and second physical interaction data being compared by the pair algorithm comprises, respectively, a first duration of time when the mobile device is still and a second duration of time when the information terminal is still;

receiving, by the remote server, consumer-provided information from the mobile device;

after the pairing algorithm determines that the mobile device interacted with the information terminal, sending, by the remote server, the consumer-provided information to the information terminal;

receiving, by the remote server, merchant-provided information sent by a merchant in response to the receipt of the consumer-provided information; and

after the pairing algorithm determines that the mobile device interacted with the information terminal, sending, by the remote server, the merchant-provided information to the mobile device.

2. The method of claim 1 wherein the mobile device is operated by a consumer and the consumer-provided information comprises at least one of the following:

information describing the consumer;

information describing products or services in which the consumer is interested; and

information describing products or services that the consumer has bought in the past or has searched for on the Internet.

3. The method of claim 2 wherein the information terminal is located at a merchant and the merchant-provided information is based on the consumer-provided information and comprises at least one of the following:

descriptions of products or services; and

offers or coupons.

4. The method of claim 1 wherein the information terminal is a POS terminal.

5. The method of claim 1 wherein the mobile device has a GPS unit.

6. The method of claim 1 wherein prior to receiving the first and second physical interaction data at the remote server, the method comprises bumping the mobile device and the information terminal together.

7. The method of claim 1 wherein the mobile device is operated by a consumer and the consumer-provided information comprises a shopping list.

8. The method of claim 7 wherein the information terminal is located at a merchant and the merchant-provided information is based on the consumer-provided information and comprises maps of locations of products on the shopping list.

9. The method of claim 8 wherein the information terminal is located at a merchant and the merchant-provided information is based on the consumer-provided information and comprises information on whether the products on the shopping list are in stock.

10. A server computer comprising:

a processor, and

a non-transitory computer readable medium, the non-transitory computer readable medium comprising code executable by the processor, for implementing a method comprising;

receiving, at a remote server, via a communication network, first physical interaction data from a mobile device comprising a first processor, a first accelerometer coupled to the first processor, and a first application that is operable to connect the mobile device to the remote server via the communication network, wherein the first physical interaction data represents a first external force acting on the mobile device and comprises first accelerometer data, first location data, and first time data;

receiving, at the remote server, via the communication network, second physical interaction data from an information terminal comprising a second accelerometer, a second processor coupled to the second accelerometer, and a second application that is operable to connect the information terminal to the remote server via the communication network, wherein the second physical interaction data represents a second external force acting on the information terminal and comprises second accelerometer data, second location data, and second time data;

responsive to receiving first and second physical interaction data, determining, by a pairing algorithm in the remote server that the mobile device interacted with the information terminal by determining when the first physical interaction data and the second physical interaction data match, wherein the pairing algorithm compares the first and second location data before comparing the first and second accelerometer data, and wherein the first and second physical interaction data being compared by the pair algorithm comprises, respectively, a first duration of time when the mobile device is still and a second duration of time when the information terminal is still;

receiving, by the remote server, consumer-provided information from the mobile device;

after the pairing algorithm determines that the mobile device interacted with the information terminal, sending, by the remote server, the consumer-provided information to the information terminal;

receiving, by the remote server, merchant-provided information sent by a merchant in response to the receipt of the consumer-provided information; and

after the pairing algorithm determines that the mobile device interacted with the information terminal, sending, by the remote server, the merchant-provided information to the mobile device.

11. The server computer of claim 10 wherein the mobile device is operated by a consumer and the consumer-provided information comprises at least one of the following:

information describing the consumer;

information describing products or services in which the consumer is interested; and

information describing products or services that the consumer has bought in the past or has searched for on the Internet.

12. The server computer of claim 11 wherein the information terminal is located at a merchant and the merchant-provided information is based on the consumer-provided information and comprises at least one of the following:

descriptions of products or services; and

offers or coupons.

13. The server computer of claim 10 wherein the mobile device is operated by a consumer and the consumer-provided information comprises a shopping list.

14. The server computer of claim 13 wherein the information terminal is located at a merchant and the merchant-provided information is based on the consumer-provided information and comprises maps of locations of products on the shopping list.

15. The server computer of claim 13 wherein the information terminal is located at a merchant and the merchant-provided information is based on the consumer-provided information and comprises information on whether products on the shopping list are in stock.