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System and method for payment using radio frequency identification in contact and contactless transactions

  • US 20040049451A1
  • Filed: 07/09/2002
  • Published: 03/11/2004
  • Est. Priority Date: 07/10/2001
  • Status: Active Grant
First Claim
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1. A transponder-reader payment system comprising:

  • a. a Radio Frequency Identification (RFID) reader operable to provide a radio frequency (RF) interrogation signal for powering a transponder system, receiving a transponder system RF signal, and communicating a transponder system account data related to said transponder system RF signal to a merchant system, said RFID reader including, i. a first interrogator for providing a first RF interrogation signal;

    ii. a RFID authentication circuit in communication with said interrogator;

    iii. a RFID database, in communication with said RFID authentication circuit;

    iv. a universal serial bus (USB) interface; and

    v. a RFID protocol/sequence controller in communication with at least one of said first interrogator, said RFID authentication circuit, said RFID database, and said USB interface, said RFID protocol/sequence controller configured to facilitate control of the order of operation of said interrogator, said RFID authentication circuit, said RFID database, and said USB interface.

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