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Mobile device for making a mobile payment

  • US 10,339,746 B1
  • Filed: 10/27/2010
  • Issued: 07/02/2019
  • Est. Priority Date: 08/10/1999
  • Status: Expired due to Term
First Claim
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1. A mobile communications device used by a user for making a purchase from a first merchant, said device comprising:

  • an internal memory in which is stored an encoded number that corresponds to said mobile communications device and is associated with a payment account of the user;

    a transmitter operable to establish a communications interface between said mobile communications device and an electronic system used by the first merchant;

    a receiver, wherein information indicative of a monetary amount to be paid by the user to the first merchant for the purchase from the first merchant is received by said mobile communications device via said communications interface;

    a display, wherein said received information that is indicative of a monetary amount to be paid is displayed on said display of said mobile communications device;

    an input device operable to receive from the user an input that indicates the user'"'"'s authorization of a payment to the first merchant, using said payment account, of said monetary amount to be paid for the purchase from said first merchant,wherein said transmitter transmits information indicative of said authorization to said electronic system used by said first merchant,wherein said mobile communications device is further used by the user to make a payment for a purchase transaction at a point of sale terminal in a retail store of a second merchant,a transponder operable to wirelessly transmit to said point of sale terminal said encoded number to make a payment for said purchase transaction at said retail store of said second merchant when (i) said mobile communications device is within a field generated at said point of sale terminal, (ii) said transponder has been excited in response to said generated field, and (iii) said mobile communications device has received required input by the user of said mobile communications device;

    a plurality of output devices each operable to emit a corresponding output to confirm to the user of said mobile communications device that a step in said purchase transaction at said point of sale terminal in said retail store of said second merchant is complete;

    wherein, after said purchase transaction at said point of sale terminal in said retail store of said second merchant is complete, said mobile communications device wirelessly receives, with said receiver, information indicative of said purchase transaction at said retail store of said second merchant that comprises a monetary amount of said payment for said purchase transaction at said point of sale terminal in said retail store of said second merchant; and

    wherein a date of said purchase transaction at said second merchant, information indicative of a time of said purchase transaction at said second merchant, information indicative of a location of said purchase transaction at said second merchant, and said information indicative of a monetary amount of said payment for said purchase transaction at said point of sale terminal in said retail store of said second merchant are stored in said mobile communications device.

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