Radio frequency identification purchase transactions

• US 20060231611A1
• Filed: 05/18/2006
• Published: 10/19/2006
• Est. Priority Date: 03/23/2005
• Status: Abandoned Application

• Current Assignee: e2Interactive Incorporated
• Original Assignee: e2Interactive Incorporated
• Inventors: Chakiris, Phil M., Smith, Merrill Brooks, Lowin, Leslie G.
• Application Number:
  US11/436,321
• Publication Number:
  US 20060231611A1
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• 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 20/349 Rechargeable cards
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/3558 Preliminary personalisation for transfer to user
• 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: H04M 1/72436 for text messaging, e.g. short messaging services [SMS] or e-mails
• CPC Class Codes: H04M 15/06 Recording class or number of calling , i.e. A-party or called party , i.e. B-party
• CPC Class Codes: H04M 15/43 Billing software details
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 17/00 Prepayment of wireline communication systems, wireless communication systems or telephone systems using a coded card to authorise calls from a telephone set H04M1/675
• CPC Class Codes: H04M 17/10 Account details or usage
• CPC Class Codes: H04M 17/20 with provision for recharging the prepaid account or card, or for credit establishment
• CPC Class Codes: H04M 2215/0196 Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
• CPC Class Codes: H04M 2215/2026 Wireless network, e.g. GSM, PCS, TACS
• CPC Class Codes: H04M 2215/32 Involving wireless systems
• CPC Class Codes: H04W 4/24 : Accounting or billing

Abstract

Methods and systems for using a Radio Frequency Identification (RFID) payment card are disclosed herein. The method generally comprises receiving an indicia identifying an RFID card, receiving a request to activate the RFID card, activating the RFID card by associating an initial value with a database record associated with the RFID card; receiving a PIN associated with the RFID card; receiving profile information; and associating the profile information with the database record. Systems for using RFID cards generally comprise an RFID card, an RFID account associated with the RFID card, a merchant communication module that receives indicia identifying the RFID card and sends a request to activate the RFID card, and a central processor or intermediary that receives a PIN associated with the RFID card and a request to activate the RFID card from the merchant communication module.

Claims

1. A method for using a Radio Frequency Identification (RFID) payment card comprising:

receiving an indicia identifying the RFID card;

receiving a request to activate the RFID card;

activating the RFID card by associating an initial value with a database record associated with the RFID card;

receiving a PIN associated with the RFID card;

receiving profile information; and

associating said profile information with the database record.

2. The method of claim 1, wherein the initial value is equivalent to a value printed on the RFID card.

3. The method of claim 1, wherein the initial value is selected by a user.

4. The method of claim 1, wherein the PIN is printed on the RFID card.

5. The method of claim 4, wherein the PIN is printed on the RFID card under a scratch off layer.

6. The method of claim 4, wherein the PIN received contains only alphabetical characters.

7. The method of claim 1, wherein the PIN is received via a text message from a mobile phone.

8. The method of claim 1, wherein the step of receiving profile information comprises receiving a PIN and additional identification information from a mobile phone.

9. The method of claim 8, wherein the additional identification information comprises an embedded electronic serial number of the mobile phone.

10. The method of claim 9, wherein profile information is associated with the RFID account by identifying a carrier and a user account associated with the electronic serial number and associating the carrier and user account with the RFID account.

11. The method of claim 10, further comprising sending a text message to the mobile phone confirming that the initial value was credited to the carrier user account associated with the electronic serial number.

12. The method of claim 8, wherein the additional identification information from the mobile phone comprises the telephone number of the mobile phone.

13. The method of claim 8, wherein profile information is associated with the RFID account by:

identifying a carrier and a user account associated with the telephone number of the mobile phone, and associating the carrier and user account with the RFID account;

requesting the identified carrier to credit the initial value to the user account associated with telephone number of the mobile phone; and

sending a text message to the mobile phone confirming that the initial value was credited to the user account associated with the telephone number of the mobile phone.

14. The method of claim 1, wherein receiving profile information comprises receiving information via the internet.

15. The method of claim 1, wherein the profile information comprises information adequate to identify at least one user account associated with a provider of services or products.

16. The method of claim 15, further comprising communicating with the user to confirm that the initial value was credited to the user account.

17. The method of claim 1, wherein receiving profile information comprises receiving information adequate to identify at least one payment method, a default payment amount, and at least one user account associated with a provider of services or products.

18. The method of claim 17, further comprising receiving the indicia identifying the RFID card at least a second time.

19. The method of claim 17, further comprising receiving a user input that selects a payment method.

20. The method of claim 17, further comprising receiving a user input that selects a payment amount to be used instead of the default payment amount.

21. The method of claim 17, further comprising receiving a user input that selects a user account associated with a provider of services or products.

22. The method of claim 1, further comprising reading machine readable media associated with an RFID card that requires activation.

23. The method of claim 17, further comprising receiving a payment request from the provider of services or products, and attempting to pay the provider according to the profile associated with the RFID account.

24. The method of claim 23, further comprising sending a communication to a user that the payment was successful or that the payment was unsuccessful.

25. The method of claim 1, wherein the profile information comprises information adequate to identify at least two user accounts associated with one or more providers of services or products, and information is received selecting at least one of the at least two user accounts associated with one or more providers of services or products.

26. The method of claim 25, wherein the profile information further comprises at least two payment methods, and information is received selecting at least one of the at least two payment methods.

27. The method of claim 26, further comprising sending a communication to a user.

28. The method of claim 27, wherein the communication is selected from a list consisting of:

coupons or advertisements for services or products previously purchased, coupons or advertisements for services or products associated with services or products previously purchased, and a default shopping list.

29. The method of claim 27, wherein the communication is based at least in part upon the user location relative to products inside of a store.

30. The method of claim 27, further comprising delivering the communication to the user through a mobile phone or through a display screen on a shopping cart.

31. A method for using a Radio Frequency Identification (RFID) card comprising:

receiving an indicia identifying the RFID card;

receiving a request to activate the RFID card;

activating the RFID card by associating an RFID account with the RFID card;

associating a face value from the RFID card with the RFID account;

receiving a text message from a mobile telephone comprising a PIN associated with the RFID card;

identifying an Electronic Serial Number (ESN) or a telephone number associated with the mobile telephone;

associating the ESN or the telephone number with a user account associated with a provider of services or products;

crediting the face value from the RFID card to the user account; and

sending a text message to the mobile telephone confirming that the face value was credited to the user account.

32. A system for using a Radio Frequency Identification (RFID) card, comprising:

an RFID card;

an RFID account associated with the RFID card;

a merchant RFID communication module that receives indicia identifying the RFID card and sends a request to activate the RFID card by associating an initial value to the RFID account; and

a central processor or intermediary that receives a PIN associated with the RFID card and a request to activate the RFID card from the merchant RFID communication module, and wherein the central processor or intermediary activates the RFID card by associating an initial value and profile information with the RFID account.

33. The system for using a Radio Frequency Identification (RFID) card of claim 32, wherein the central processor or intermediary receives further identification information and associates the further identification information with the RFID account.

34. The system for using a Radio Frequency Identification (RFID) card of claim 33, further comprising a mobile telephone.

35. The system for using a Radio Frequency Identification (RFID) card of claim 34, wherein the further identification information comprises the telephone number of the mobile telephone.

36. The system for using a Radio Frequency Identification (RFID) card of claim 35, further comprising a carrier and a user account with the carrier associated with the telephone number of the mobile telephone, wherein the central processor or intermediary

identifies the carrier and user account associated with the telephone number of the mobile telephone;

associates the carrier and user account with the RFID account;

requests that the carrier credit the initial value to the user account.

37. A system for using a Radio Frequency Identification (RFID) card, comprising:

an RFID card;

a data storage device comprising an RFID account;

a mobile telephone;

a merchant RFID communication moducle, that receives an indicia identifying the RFID card from the RFID card and sends a request to activate the RFID card;

a central processor or intermediary that;

receives the request to activate RFID card;

activates the RFID card by associating an RFID account with the RFID card;

associates a face value from the RFID card with the RFID account;

receives a text message from the mobile telephone comprising a PIN associated with the RFID card;

identifies an Electronic Serial Number (ESN) or a telephone number associated with the mobile telephone;

associates the ESN or the telephone number with a user account associated with a provider of services or products;

credits the face value from the RFID card to the user account; and

sends a text message to the mobile telephone confirming that the face value was credited to the user account.

38. A method for using a Radio Frequency Identification (RFID) card comprising:

scanning a universal price code (UPC) using a point-of-sale (POS) bar code reader or a magnetic stripe reader;

determining whether the UPC is associated with an RFID product; and

upon a determination that the UPC is associated with an RFID product, performing the following steps;

a) reading RFID data from the RFID card, and

b) sending an activation request, comprising at least a portion of the RFID data.

39. The method of claim 38, further comprising:

receiving, via a telephone call from a mobile phone, at least a personal identification number (PIN) associated with the RFID card;

associating a mobile phone number and a wireless carrier account with the account of the RFID card; and

crediting a value associated with the RFID card to a wireless carrier account associated with the mobile phone number.

40. The method of claim 39, further comprising:

reading RFID data from the RFID card;

determining that the RFID card has previously been activated;

offering an option for adding value to the wireless carrier account associated with the account of the RFID card;

receiving a decision to add value to said wireless carrier account;

receiving a payment from a user for said value; and

sending a request to add said value to said wireless carrier account.

41. The method of claim 39, further comprising:

receiving a personal identification number (PIN) associated with the RFID card;

using the RFID card for a purpose selected from the group consisting of;

enabling wireless communication, downloading music files, downloading games, enabling long distance telephone communication, enabling paging services, enabling internet communication service, enabling web access, purchasing gas, purchasing groceries, downloading ringtones, downloading software, enabling user rewards, enabling emergency road service, enabling film processing, enabling digital film processing, enabling dating services, enabling electrical service, enabling gas service, enabling water service, enabling movie service, enabling bridge service, enabling road toll service, enabling food service, enabling legal service, enabling accounting service, and enabling tax service.