Apparatus, systems and methods for wirelessly transacting financial transfers, electronically recordable authorization transfers, and other information transfers

• US 10,169,750 B2
• Filed: 03/12/2014
• Issued: 01/01/2019
• Est. Priority Date: 02/10/2000
• Status: Expired due to Term

• Current Assignee: Sentegra, LLC
• Original Assignee: Sentegra, LLC
• Inventors: Shore, Jon
• Primary Examiner(s): Badii, Behrang
• Application Number:
  US14/206,948
• Publication Number:
  US 20140258011A1
• Time in Patent Office: 1,756 Days
• Field of Search: 705 39, 705 41, 705 44
• CPC Class Codes: G06F 21/10 Protecting distributed programs or content, e.g. vending or licensing of copyrighted material protection in video systems or pay television H04N7/16 ; Digital rights management [DRM]
• CPC Class Codes: G06F 21/51 at application loading time, e.g. accepting, rejecting, starting or inhibiting executable software based on integrity or source reliability
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/045 using payment protocols involving tickets
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• 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 30/00 Commerce
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: G16Z 99/00 Subject matter not provided for in other main groups of this subclass

Abstract

The present invention provides apparatus, systems and methods to wirelessly pay for purchases, electronically interface with financial accounting systems, and electronically record and wirelessly communicate authorization transactions using Personal Digital Assistant (“PDA”) (also referred to as Personal Intelligent Communicators (PICs), and Personal Communicators), palm computers, intelligent handheld cellular and other wireless telephones, and other personal handheld electronic devices configured with infrared or other short range data communications (for referential simplicity, such devices are referred to herein as “PDA'"'"'s”). The present invention further provides apparatus, firmware, software programs and computer-implemented methods for making service and/or sale service charge payments for credit card charges, debit card charges, electronic cash transfers, ticket and other like financial transactions and for other types of transactions, such as for electronic coupons, where the amount of the transaction is for a small amount of money, such as, for example, less than $5.00.

Claims

1. A wireless mobile device comprising:

a storage device for storing software instructions related to redemption of an electronic ticket;

a memory for storing an encrypted security code generated by a server, the encrypted security code comprising data for validating the identity of said mobile device;

a user input device for receiving the user'"'"'s input associated with the redemption of the electronic ticket;

a wireless short-range communication hardware for communicating with a point of sale terminal for automatically controlling the redemption of the electronic ticket;

a long-range wireless communication hardware for communicating over a wireless Internet connection;

a microprocessor for executing software instructions related to the redemption of the electronic ticket, by embedding the encrypted security code within every short-range communication of the electronic ticket between said wireless device and said point of sale terminal,

wherein the encrypted security code cannot be changed or accessed by the user;

wherein the security code is activated via registration by the user;

wherein the electronic ticket cannot be redeemed for use unless communication of the payment information between the wireless device and the point of sale device includes the embedded security code.

2. The mobile device of claim 1, wherein the encrypted security code comprises data for validating user'"'"'s account information.