SYSTEM AND METHOD FOR ACTIVATING TELEPHONE-BASED PAYMENT INSTRUMENT
First Claim
1. A method for activating a payment instrument in the form of a mobile device, wherein the mobile device employs telecommunications signaling and has a payment instrument module that employs separate wireless signaling for storing and transmitting an account identifier, the method comprising:
- associating a personal identifier with the account identifier and providing that personal identifier to a user prior to activation of the payment instrument;
placing the mobile device in proximity to an external wireless device;
transmitting an account identifier from the external wireless device to the payment instrument module;
requesting a personal identifier be provided by the user; and
enabling the payment instrument to use the transmitted account identifier if the requested personal identifier provided by the user matches the personal identifier associated with the account identifier.
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Accused Products
Abstract
A payment instrument in the form of a cell phone is loaded with account information and activated as a payment instrument by reading account information from a nearby RFID device, and entering a user PIN or password. In one embodiment, the account information is read from an RFID tag provided to the user, and the password is entered on the phone keypad. In a second embodiment, the account information is read from an RFID device at an ATM or kiosk after the user inserts a card into a card reader at the ATM or kiosk and enters the password at the ATM or kiosk keypad.
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Citations
31 Claims
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1. A method for activating a payment instrument in the form of a mobile device, wherein the mobile device employs telecommunications signaling and has a payment instrument module that employs separate wireless signaling for storing and transmitting an account identifier, the method comprising:
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associating a personal identifier with the account identifier and providing that personal identifier to a user prior to activation of the payment instrument;
placing the mobile device in proximity to an external wireless device;
transmitting an account identifier from the external wireless device to the payment instrument module;
requesting a personal identifier be provided by the user; and
enabling the payment instrument to use the transmitted account identifier if the requested personal identifier provided by the user matches the personal identifier associated with the account identifier. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A system for activating an payment instrument in the form of an RFID enabled telephone, the telephone including an RFID device for storing and transmitting an account identifier, the system including;
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a PIN associated with the account identifier;
an external RFID device for transmitting the account identifier to the telephone; and
a programmed processor for instructing a user to enter a PIN at a keypad associated with either the external device or the telephone, and activating the payment instrument if the PIN entered at the keypad matches the PIN associated with the account identifier. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29)
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30. A system for activating a payment instrument in the form of a mobile device, wherein the mobile device employs telecommunications signaling and has a payment instrument module that employs separate wireless signaling for storing and transmitting an account identifier, the system comprising:
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means for associating a personal identifier with the account identifier and providing that personal identifier to a user prior to activation of the payment instrument;
means for transmitting an account identifier from the external wireless device to the payment instrument module when the mobile device is placed in proximity to an external wireless device;
means for requesting a personal identifier be provided by the user; and
means for activating the payment instrument to use the transmitted account identifier if the requested personal identifier provided by the user matches the personal identifier associated with the account identifier.
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31. A method for activating a payment instrument for use by a consumer, wherein the payment instrument comprises a wireless telecommunications device using telecommunications signaling, and an RFID unit integrated with the wireless device, the RFID unit using short range proximity signaling separate from the telecommunications signaling and for providing an account identifier to an RFID reader in order to conduct transactions, the method comprising:
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associating a personal identification number (PIN) with an account identifier and providing that PIN to the consumer;
placing the wireless unit in close proximity to an external RFID device;
transmitting the account identifier from the external RFID device to the integrated RFID device, requesting a PIN be provided by the consumer;
activating the payment instrument to use the transmitted account identifier if the requested PIN provided by the consumer matches the PIN associated with the account identifier.
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Specification