Portable electronic authorization system and method

• US 20050108096A1
• Filed: 10/20/2004
• Published: 05/19/2005
• Est. Priority Date: 09/28/1999
• Status: Abandoned Application

• Current Assignee: Kioba Processing, LLC (IP Investments Group LLC)
• Original Assignee: Chameleon Network Incorporated
• Inventors: Burger, Todd O., Lipoff, Stuart
• Application Number:
  US10/969,811
• Publication Number:
  US 20050108096A1
• Time in Patent Office: Days
• US Class Current: 705/14.380
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/6218 to a system of files or objects, e.g. local or distributed file system or database
• CPC Class Codes: G06K 19/06206 the magnetic marking being emulated
• CPC Class Codes: G06K 19/0719 at least one of the integrated circuit chips comprising an arrangement for application selection, e.g. an acceleration sensor or a set of radio buttons application selection on smart cards using pure software control, see G07F7/10
• CPC Class Codes: G06K 19/07703 the interface being visual
• CPC Class Codes: G06K 19/07749 the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/4097 using mutual authentication between devices and transaction partners
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G07C 9/28 the pass enabling tracking or indicating presence
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G09G 2300/0473 Use of light emitting or modulating elements having two or more stable states when no power is applied
• CPC Class Codes: G09G 2380/04 Electronic labels
• CPC Class Codes: G09G 3/34 by control of light from an independent source

Abstract

A portable electronic device may be configured to present information identifying a coupon or rebate offer concerning a product or service in a machine-readable format at a point of sale. The portable electronic device may additionally or alternatively be configured to electronically receive information identifying a coupon or rebate offer concerning a product or service while disposed at a first location, and to store the information in memory so that the information can be selectively retrieved from the memory and presented in a manner that enables the information to be communicated to a provider of the product or service in connection with a purchase of the product or service consummated when the portable electronic device is disposed at a second location. The portable electronic device may be further configured to, in response to the occurrence of at least one event, automatically disable a capability of the portable electronic device to present the information.

Claims

1. A method, comprising a step of:

(a) with a portable electronic device, presenting information identifying a coupon or rebate offer concerning a product or service in a machine-readable format at a point of sale.

2. The method of claim 1, further comprising steps of:

(b) purchasing the product or service at the point of sale; and

(c) using an apparatus at the point of sale to read the information from the portable electronic device so as to provide a user of the portable electronic device with a benefit of the coupon or rebate offer.

3. The method of claim 1, wherein the step (a) comprises presenting a bar code representing the information on a display of the portable electronic device.

4. The method of claim 1, wherein the step (a) comprises emitting a radio frequency signal representing the information from the portable electronic device.

5. The method of claim 4, further comprising a step of:

emitting the radio frequency signal from an RFID transponder in response to a radio frequency interrogation signal.

6. The method of claim 1, wherein:

the method further comprises a step of manipulating a user input on the portable electronic device to select any one of a plurality of coupons or rebate offers stored in memory of the portable electronic device; and

the step (a) comprises presenting information identifying the selected one of the plurality of coupons or rebate offers in the machine-readable format at the point of sale.

7. The method of claim 1, wherein the information identifies a coupon.

8. The method of claim 1, wherein the information identifies a rebate offer.

9. The method of claim 1, further comprising a step of:

disabling a capability of the portable electronic device to present the information in the machine-readable format in response to the occurrence of at least one event.

10. The method of claim 9, wherein the at least one event comprises a passing of an expiration date of the coupon or rebate offer.

11. The apparatus of claim 9, wherein the at least one event comprises a use of the coupon or rebate offer in connection with a purchase of the product or service from a provider of the product or service.

12. A method, comprising steps of:

(a) with a portable electronic device, electronically receiving information identifying a coupon or rebate offer concerning a product or service, and storing the information in memory of the portable electronic device, the portable electronic device being configured so that the information can be selectively retrieved from the memory and presented in a manner that enables the information to be communicated to a provider of the product or service in connection with a purchase of the product or service consummated when the portable electronic device is disposed at a second location; and

(b) in response to the occurrence of at least one event, automatically disabling a capability of the portable electronic device to present the information.

13. The method of claim 12, further comprising steps of:

(c) after performing the step (a), transporting the portable electronic device from the first location to the second location; and

(d) after performing the step (c), when the portable electronic device is at the second location, purchasing the product or service from the provider, retrieving the information from the memory of the portable electronic device, and communicating the information to the provider so as enable receipt of a benefit of the coupon or rebate.

14. The method of claim 13, wherein the step (d) further comprises:

retrieving account information concerning a financial media from the memory of the portable electronic device; and

communicating the retrieved account information to a point of sale terminal at the second location so as to consummate a purchase of the product or service from the provider.

15. The method of claim 13, wherein the second location is the place of business of the provider of the product or service.

16. The method of claim 13, wherein the second location is a computer terminal remote from the place of business of the provider of the product or service.

17. The method of claim 12, wherein the at least one event comprises a passing of an expiration date of the coupon or rebate offer.

18. The method of claim 12, wherein the at least one event comprises a use of the coupon or rebate offer in connection with a purchase of the product or service from the provider.

19. The method of claim 12, wherein the information identifies a coupon.

20. The method of claim 12, wherein the information identifies a rebate offer.

21. An apparatus, comprising:

a portable electronic device configured to present information identifying a coupon or rebate offer concerning a product or service in a machine-readable format at a point of sale.

22. The apparatus of claim 21, further comprising a display, and wherein the portable electronic device is configured and arranged to present a bar code representing the information on the display.

23. The apparatus of claim 21, further comprising an RFID transponder configured and arranged to emit a radio frequency signal representing the information from the portable electronic device in response to a radio frequency interrogation signal.

24. The apparatus of claim 21, further comprising:

a user input configured and arranged to enable a user to select any one of a plurality of coupons or rebate offers stored in memory of the portable electronic device so that information identifying the selected one of the plurality of coupons or rebate offers is presented in the machine-readable format at the point of sale.

25. The apparatus of claim 21, wherein the information identifies a coupon.

26. The apparatus of claim 21 wherein the information identifies a rebate offer.

27. The apparatus of claim 21, wherein the portable electronic device is configured and arranged to disable a capability of the portable electronic device to present the information in the machine-readable format in response to the occurrence of at least one event.

28. The apparatus of claim 27, wherein the at least one event comprises a passing of an expiration date of the coupon or rebate offer.

29. The apparatus of claim 27, wherein the at least one event comprises a use of the coupon or rebate offer in connection with a purchase of the product or service from the provider.

30. An apparatus, comprising:

a portable electronic device configured to electronically receive information identifying a coupon or rebate offer concerning a product or service while disposed at a first location, and to store the information in memory so that the information can be selectively retrieved from the memory and presented in a manner that enables the information to be communicated to a provider of the product or service in connection with a purchase of the product or service consummated when the portable electronic device is disposed at a second location, the portable electronic device being further configured to, in response to the occurrence of at least one event, automatically disable a capability of the portable electronic device to present the information.

31. The apparatus of claim 30, wherein the portable electronic device is further configured to retrieve account information concerning a financial media from the memory, and to communicate the retrieved account information to a point of sale terminal at the second location so as to effect a purchase of the product or service from the provider.

32. The apparatus of claim 30, wherein the at least one event comprises a passing of an expiration date of the coupon or rebate offer.

33. The apparatus of claim 30, wherein the at least one event comprises a use of the coupon or rebate offer in connection with a purchase of the product or service from the provider.

34. The apparatus of claim 30, wherein the information identifies a coupon.

35. The apparatus of claim 30, wherein the information identifies a rebate offer.