NFC-based payments tagging
First Claim
Patent Images
1. A method for near field communication (NFC)-based payment tagging, the method comprising:
- receiving information regarding a requested NFC-based transaction involving a user device, the information received via an NFC interface of the user device;
receiving annotation input associated with the requested NFC transaction at the user device, wherein the annotation input is entered by a user via a user interface of the user device;
identifying a current location of the user device via a global positioning system (GPS) at a time of the requested NFC-based transaction;
transmitting the received information, the received annotation input, and the identified current location over a communication network to a network server, wherein the network server further identifies a current location of a merchant associated with the requested NFC-based transaction at a time of the requested NFC-based transaction, and conditions approval of the requested NFC-based transaction on the current location of the user device matching the current location of the merchant;
receiving a request for an NFC-based transactions statement associated with an account of the user device, the request for the NFC-based transactions statement sent to the network server; and
displaying the requested NFC-based transactions statement on the screen of the user device based on a response sent from the network server, wherein the displayed NFC-based transactions statement includes at least the received information regarding the requested NFC-based transaction and the associated annotation input.
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Abstract
The present invention communicates with a point of sale terminal using near field data communications and a purchase is either allowed or denied by a billing statement network according to a set of parameters.
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Citations
20 Claims
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1. A method for near field communication (NFC)-based payment tagging, the method comprising:
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receiving information regarding a requested NFC-based transaction involving a user device, the information received via an NFC interface of the user device; receiving annotation input associated with the requested NFC transaction at the user device, wherein the annotation input is entered by a user via a user interface of the user device; identifying a current location of the user device via a global positioning system (GPS) at a time of the requested NFC-based transaction; transmitting the received information, the received annotation input, and the identified current location over a communication network to a network server, wherein the network server further identifies a current location of a merchant associated with the requested NFC-based transaction at a time of the requested NFC-based transaction, and conditions approval of the requested NFC-based transaction on the current location of the user device matching the current location of the merchant; receiving a request for an NFC-based transactions statement associated with an account of the user device, the request for the NFC-based transactions statement sent to the network server; and displaying the requested NFC-based transactions statement on the screen of the user device based on a response sent from the network server, wherein the displayed NFC-based transactions statement includes at least the received information regarding the requested NFC-based transaction and the associated annotation input. - View Dependent Claims (2, 3, 4, 5, 6, 14, 15, 16, 17, 18, 19, 20)
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7. A device for near field communication (NFC)-based payment tagging, the device comprising:
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an NFC interface that receives information regarding a requested NFC-based transaction involving a user device; a global positioning system (GPS) that identifies a current location of the user device at a time of the requested NFC-based transaction; a user interface that receives annotation input associated with the requested NFC transaction, wherein the annotation input is entered by a user; a wireless communication interface that; transmits the received information, the received annotation input, and the identified current location over a communication network to a network server, wherein the network server further identifies a current location of a merchant associated with the requested NFC-based transaction at a time of the requested NFC-based transaction, and conditions approval of the requested NFC-based transaction on the current location of the user device matching the current location of the merchant, and sends a request for an NFC-based transactions statement associated with an account of the user device to the network server; and a screen that displays the requested NFC-based transactions statement based on a response sent from the network server, wherein the displayed NFC-based transactions statement includes at least the received information regarding the requested NFC-based transaction and the associated annotation input. - View Dependent Claims (8, 9, 10, 11, 12)
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13. A non-transitory computer-readable storage medium, having embodied thereon a program executable by a processor to perform a method for near field communication (NFC)-based payment tagging, the method comprising:
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receiving information regarding a requested NFC-based transaction involving a user device, the information received via an NFC interface of the user device; receiving annotation input associated with the requested NFC transaction at the user device, wherein the annotation input is entered by a user via a user interface of the user device; identifying a current location of the user device via a global positioning system (GPS) at a time of the requested NFC-based transaction; transmitting the received information, the received annotation input, and the identified current location over a communication network to a network server, wherein the network server further identifies a current location of a merchant associated with the requested NFC-based transaction at a time of the requested NFC-based transaction, and conditions approval of the requested NFC-based transaction on the current location of the user device matching the current location of the merchant; receiving a request for an NFC-based transactions statement associated with an account of the user device, the request for the NFC-based transactions statement sent to the network server; and displaying the requested NFC-based transactions statement on the screen of the user device based on a response sent from the network server, wherein the displayed NFC-based transactions statement includes at least the received information regarding the requested NFC-based transaction and the associated annotation input.
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Specification