Authorization of payment for a commercial transaction via a bluetooth enabled device
First Claim
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1. A system for providing efficient payment of personal financial transactions comprising:
- a background structure that enables electronic payment transactions;
a terminal linked to said background structure that supports wireless communication;
means for a customer device to wirelessly interact with said terminal and authorize payment for a financial transaction within said background structure.
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Abstract
A personal payment system that enables a desired items to be purchased by the customer utilizing a wireless enabled device such as a cellular phone, PDA, etc. The system comprises a background structure that enables electronic payment transactions, a terminal linked to the background structure having wireless interactive capabilities, and a customer device with wireless capabilities that enables the customer to remotely interact with the terminal and authorize payment for a financial transaction within the background structure. The wireless transmission features of the invention are implemented via Bluetooth protocol.
194 Citations
32 Claims
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1. A system for providing efficient payment of personal financial transactions comprising:
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a background structure that enables electronic payment transactions;
a terminal linked to said background structure that supports wireless communication;
means for a customer device to wirelessly interact with said terminal and authorize payment for a financial transaction within said background structure. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A Bluetooth enabled system to authorize payment for personal transactions, said system comprising:
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a first component having processing algorithm for securing authorization and payment for a transaction with a customer based on information received from a Bluetooth enabled device of said customer;
a second component associated with said first component that supports wireless communication via Bluetooth protocol;
means for receiving and responding to a request for payment for a transaction with a customer having said Bluetooth enabled device utilizing payment authorization data received from said Bluetooth enabled device; and
means for completing said transaction when authorization is secured, wherein payment for said transaction is received. - View Dependent Claims (20, 21, 22, 23, 24, 25)
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26. A method for authorizing payment for a transaction via a Bluetooth enabled device, said method comprising:
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creating a personal area network (PAN) comprising a customer device, a billing terminal, and a background server, wherein at least said customer device and said billing terminal are interlinked via Bluetooth protocol; and
completing a customer'"'"'s payment for a service or product received via said PAN, wherein a request for said payment is transmitted from said customer device and received at said background server, which initiates a process of securing authorization for said payment from a service provider with which said customer has a payment agreement. - View Dependent Claims (27, 28, 29, 30, 31, 32)
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Specification