Apparatus and method of transmitting transaction signature
First Claim
1. Apparatus comprising:
- a portable hand-held device including, at least one input device, at least one wireless communication device, at least one processor, at least one data store in operative connection with the at least one processor, wherein the at least one data store includes data representative of cash value, wherein responsive to at least one to the at least one input device, the at least one processor is operative to cause the at least one wireless communication device to communicate at least one message, wherein the at least one message is operative to transfer cash value.
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Accused Products
Abstract
A transaction apparatus (10) includes a multifunction card (12) and a portable terminal (14). The multifunction card includes a programmable memory (18) and a magnetic stripe (16) thereon. The programmable memory on the card is used to store indicia corresponding to account data which is input to the memory by reading with the terminal magnetic stripe data from a plurality of conventional magnetic stripe cards. The programmable memory further includes data representative of cash value as well as instructions, prompt messages and icons presented in conducting transactions. A user is enabled to operate the apparatus to select one of the accounts stored in memory, and to write account data corresponding to the selected account to the magnetic stripe of the card. The user is also enabled to use the apparatus to enter visible indicia such as bar codes and to selectively reproduce the bar codes on the display of the apparatus. The apparatus is also selectively operative to transfer funds between accounts of the user and data representative of cash value stored on the card.
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Citations
37 Claims
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1. Apparatus comprising:
a portable hand-held device including, at least one input device, at least one wireless communication device, at least one processor, at least one data store in operative connection with the at least one processor, wherein the at least one data store includes data representative of cash value, wherein responsive to at least one to the at least one input device, the at least one processor is operative to cause the at least one wireless communication device to communicate at least one message, wherein the at least one message is operative to transfer cash value. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A method comprising:
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a) providing at least one input to at least one input device of a portable hand-held device, wherein the at least one input corresponds to a transfer of an amount of cash value;
b) modifying data representative of cash value in at least one data store in the hand-held device to indicate the transfer of the amount of cash value;
c) communicating at least one wireless message with the hand-held device, wherein the at least one wireless message is operative to affect the transfer of the amount of cash value. - View Dependent Claims (19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37)
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Specification