Personal interface device and method

• US 20040098353A1
• Filed: 11/07/2003
• Published: 05/20/2004
• Est. Priority Date: 11/06/2002
• Status: Active Grant

• Current Assignee: Emmitt J. Smith III
• Original Assignee: Emmitt J. Smith III
• Inventors: Smith, Emmitt J. III
• Granted Patent: US 7,974,929 B2
• Time in Patent Office: Days
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G07C 9/23 by means of a password
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/12 Card verification
• CPC Class Codes: G07F 7/122 Online card verification
• CPC Class Codes: G07G 1/01 Details for indicating displaying information in general G09F, G09G
• CPC Class Codes: G07G 1/12 electronically operated digital data processing aspects G06Q20/00

Abstract

A personal device is provided. The personal device includes an identification verification system that receives first identification data from a physical identification device, such as by inserting a driver'"'"'s license into a card reader that is adapted to receive a driver'"'"'s license. Second identification data such as a PIN number is also received. Payment authorization data or other suitable data is generated if the driver'"'"'s license corresponds to the PIN. A payment selection system or other suitable system receives the payment authorization data and displays one or more payment accounts for selection by a user. Where a payment selection system is used, the payment selection system transmits payment account data to a point-of-sale system.

Claims

1. A personal device comprising:

an identification verification system receiving first identification data from a physical identification device and second identification data and generating payment authorization data if the first identification data corresponds to the second identification data;

a payment selection system receiving the payment authorization data and displaying one or more payment accounts for selection by a user; and

wherein the payment selection system transmits payment account data to a point-of-sale system.

2. The system of claim 1 wherein the identification verification system further comprises a card reader system reading identification card data, wherein the identification card data is not associated with the one or more payment accounts.

3. The system of claim 1 wherein the identification verification system further comprises a PIN number system generating a PIN number prompt and receiving PIN number data.

4. The system of claim 1 wherein the identification verification system further comprises a voice recognition system generating a voice recognition prompt and receiving voice data.

5. The system of claim 1 wherein the payment selection system further comprises a credit processing interface system providing credit card data to a credit card transaction processing system.

6. The system of claim 1 wherein the payment selection system further comprises a debit processing interface system providing debit card data to a debit card transaction processing system.

7. The system of claim 1 wherein the payment selection system further comprises an EFT processing interface system providing EFT data to an electronic funds transfer system.

8. The system of claim 1 further comprising a point-of-sale system receiving payment account data after selection of one of the payment accounts.

9. The system of claim 1 further comprising:

a transaction processing system receiving payment account data after selection of one of the payment accounts; and

a point-of-sale system receiving the payment account data from the transaction processing system and providing transaction data to the transaction processing system.

10. A method for controlling payment from a personal device comprising:

receiving first identification data from a physical identification device associated with an individual;

receiving second identification data from a source other than the physical identification device;

displaying one or more payment accounts for selection by a user if the first identification data corresponds to the second identification data.

11. The method of claim 10 wherein receiving the first identification data from the physical identification device associated with the individual comprises receiving the identification data from a driver'"'"'s license.

12. The method of claim 10 wherein receiving the second identification data comprises:

generating a PIN number prompts; and

receiving a user-entered response to the PIN number prompt.

13. The method of claim 10 wherein displaying the one or more payment accounts comprises displaying one or more of a credit card account identifier, a debit card account identifier, and an electronic funds transfer account identifier.

14. The method of claim 10 further comprising transmitting a selected payment account to a point-of-sale device.

15. The method of claim 10 further comprising:

transmitting a selected payment account to a transaction authorization system; and

transmitting transaction authorization data from the transaction authorization system to a point-of-sale device.

16. The method of claim 15 further comprising transmitting transaction data to the personal device.

17. The method of claim 16 wherein the transaction data is transmitted to the personal device through the transaction authorization system.

18. The method of claim 10 further comprising receiving transaction data at the personal device after transmitting payment account data.

19. The method of claim 10 further comprising receiving transaction data at a user-controlled system after transmitting payment account data.

20. A system for controlling payment from a personal device comprising:

an identification verification system receiving first identification data from a physical identification device and second identification data and generating payment authorization data if the first identification data corresponds to the second identification data, the identification system further comprising;

a card reader system reading identification card data, wherein the identification card data is not associated with the one or more payment accounts;

a PIN number system generating a PIN number prompt and receiving PIN number data; and

a voice recognition system generating a voice recognition prompt and receiving voice data;

a payment selection system receiving the payment authorization data and displaying one or more payment accounts for selection by a user, wherein the payment selection system transmits payment account data to a point-of-sale system, the payment selection system further comprising;

a credit processing interface system providing credit card data to a credit card transaction processing system;

a debit processing interface system providing debit card data to a debit card transaction processing system; and

an EFT processing interface system providing EFT data to an electronic funds transfer system;

a transaction processing system receiving payment account data after selection of one of the payment accounts; and

a point-of-sale system receiving the payment account data from the transaction processing system and providing transaction data to the transaction processing system.