Mobile electronic transaction system, device and method therefor
First Claim
1. A system for conducting electronic transactions, comprising:
- a wireless communication device having memory storage, a display screen and a microprocessor, said device adapted to receive a transaction program and data;
a transaction program stored in said memory storage, said program containing instructions executable by said microprocessor to produce indicia on said display screen representative of value, where value is selected from the group consisting of an identifier of a purchased good, an identifier of a purchased service, a coupon, a discount, a prepaid transaction, an electronic negotiable instrument, a sum from a credit account, and a sum from a debit account;
a scanner in communication with a merchant server for reading said indicia from said device; and
a provider server accessible by the merchant server for storing and retrieving user account information.
0 Assignments
0 Petitions
Accused Products
Abstract
Disclosed herein is a system and method for conducting electronic transactions utilizing a wireless communications device or computer adapted to receive either a URL for accessing an indicia of value stored on a server or an image of the indicia of value. The present system further enables transmission of at least a portion of the indicia of value from one receiving device to another, and simultaneously deleting that transmitted portion from the first user'"'"'s file on the server. The system, also, enables a user to transmit an SMS or text message containing information corresponding to an indicia 40 to the server 70. The server, then, searches either its own database or that of another srever, for corresponding indicia. Once, located, the server 70, creates a separate file for the user containing that information and sends an SMS, including a URL, back to the device 20 to enable the user to access that indicia.
-
Citations
18 Claims
-
1. A system for conducting electronic transactions, comprising:
-
a wireless communication device having memory storage, a display screen and a microprocessor, said device adapted to receive a transaction program and data;
a transaction program stored in said memory storage, said program containing instructions executable by said microprocessor to produce indicia on said display screen representative of value, where value is selected from the group consisting of an identifier of a purchased good, an identifier of a purchased service, a coupon, a discount, a prepaid transaction, an electronic negotiable instrument, a sum from a credit account, and a sum from a debit account;
a scanner in communication with a merchant server for reading said indicia from said device; and
a provider server accessible by the merchant server for storing and retrieving user account information.
-
-
2. A system for conducting an electronic transaction, comprising:
(a) a server, the server comprising;
(1) means for storing an indicia of value, (2) means for generating an indicia of value, (3) transmitting either an image of an indicia or a link to an indicia of value;
(4) means for selectively terminating a transaction actuable by a merchant upon scanning the image, (5) means for selectively fulfilling the transaction actuable by a merchant upon scanning the image, (6) means for selectively deleting the indicia of value from the server. - View Dependent Claims (3, 4, 5, 6, 7, 8, 9, 10, 12, 13, 14, 15, 16, 17, 18)
-
11. A method of conducting electronic transactions, said method comprising:
-
(a) generating an indicia of value comprising an identifier of an identifier of a purchased good or a purchased service, a coupon, a discount, a prepaid transaction, an electronic negotiable instrument, a sum from a credit account, and a sum from a debit account;
(b) providing the indicia of value to a merchant scanner and redeeming the indicia of value; and
(c) transmitting an access to the indicia of value from the server to a receiving device. (d) retrieving the indicia of value;
wherein said indicia of value is stored on the server.
-
Specification