System and method for transponder-enabled account transactions
4 Assignments
0 Petitions
Accused Products
Abstract
A transponder-initiated transaction system is electromagnetically coupled to an account transponder device at the point of sale. The account transponder device may be embedded within a watch, key chain or other personal article for convenience or affinity. The transponder device may communicate account information to an RF-enabled point of sale device, enabling transactions to take place without resort to remote data processing facilities. In other embodiments partial or complete account information may be accessed or stored at co-located or remote sources. New account registrants may access a Web site to enter a transponder ID and activate a new account, which may be a credit account, debit account, cash account, special purpose vending account, or other types of accounts.
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Citations
48 Claims
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1-20. -20. (canceled)
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21. A method for facilitating the association of a transponder identification number associated with a first transaction account with a second transaction account, comprising:
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receiving a second transaction account number;
receiving a transponder identification number associated with a first transaction account; and
associating the transponder identification number with the second transaction account, wherein the transponder identification number is associated with more than one transaction account, and wherein the transponder identification number is authorized to be used for multiple transactions. - View Dependent Claims (22, 23)
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24. A method for facilitating a customer-merchant transaction by use of a transponder identification number associated with a first transaction account and a second transaction account, comprising:
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receiving a transponder identification number previously associated with a first transaction account;
associating the transponder identification number with a second transaction account number associated with a second transaction account;
wherein the transponder identification number within a transponder server system is configured to associate the transponder identification number to one or more transaction accounts;
wherein the transponder identification number comprises unchangeable indicia permanently associating the transponder identification number with a transponder;
thereafter facilitating, during a customer-merchant transaction, a merchant authorization process comprising;
receiving the transponder identification number in connection with a transaction, the transaction comprising a transaction amount;
forwarding the transponder identification number to the transponder server system;
identifying the second transaction account associated with the transponder identification number in the transponder server system;
determining if the second transaction account is authorized for the transaction; and
returning the authorization result to the merchant;
thereafter facilitating a merchant settlement process, wherein the settlement process comprising;
receiving a settlement request from the merchant;
forwarding the transponder identification number to the transponder server system;
recognizing the transponder identification number as associated with the second transaction account;
charging the transaction amount against the second transaction account; and
adjusting the second transaction account balance by the transaction amount. - View Dependent Claims (25, 26)
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27. A method of associating a transponder identification number that is associated with a stored value account to a new account, comprising:
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receiving a request from a customer to associate a transponder identification number with a new account;
prompting the customer to provide an existing stored value account number that is associated with the transponder identification number; and
associating the new account with the transponder identification number and the existing stored value account number, wherein the existing stored value account number is authorized for multiple purchases, wherein further associating the new account with the transponder identification number and the existing stored value account number further comprises;
forwarding the existing stored value account number to a transponder server system configured to recognize the existing stored value account number account as associated with the transponder identification number and the new account. - View Dependent Claims (28, 29, 30, 31, 32)
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33. A system for facilitating the association of a transponder identification number associated with a first transaction account with a second transaction account, comprising:
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a user interface system configured to communicate with a user to accept a request from the user to associate a transponder identification number associated with a first transaction account with second transaction account;
a modifiable computer data structure configured to associate the transponder identification number with a plurality of transaction account types; and
a transponder server system configured to facilitate the association of the transponder identification number with the second transaction account. - View Dependent Claims (34, 35)
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36. A method for facilitating the re-association of a transponder identification number from a first transaction account to a second transaction account, comprising:
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receiving a transponder identification number, wherein the transponder identification number is associated with a first transaction account;
receiving a second transaction account number associated with a second transaction account;
receiving the transponder identification number;
disassociating the transponder identification number from the first transaction account; and
associating transponder identification number with the second transaction account.
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37. A method for associating a plurality of transaction accounts with a transponder identification number, comprising:
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receiving a first transaction account number, wherein the first transaction account number is usable in successive transactions;
providing a second transaction account number;
associating the first transaction account number and the second transaction account number with the transponder identification number;
providing a transponder identification number in connection with a transaction;
using the transponder identification number to associate, during authorization and settlement phases of the transaction, the first transaction account number with the second transaction account number.
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38. A method for associating a credit card transaction account with a transponder identification number, comprising:
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receiving a stored value transaction card number, wherein the stored value account number is associated with a transponder identification number, wherein the stored value account number is associated with a stored value account;
receiving a credit card transaction account having a credit card transaction account number different from the stored value account number;
associating the transponder identification number with the credit card transaction account; and
using the transponder identification number to associate the stored value account number with the credit card transaction account number. - View Dependent Claims (39, 40, 41)
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42. A method for facilitating the association of a transponder identification number associated with a first transaction account to a second transaction account, comprising:
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receiving a second transaction account number associated with a second transaction account; and
associating the transponder identification number with the second transaction account;
wherein the transponder identification number is associated with a transponder, wherein further the transponder identification number is stored within a transponder server system configured to associate the transponder identification account number with a plurality of transaction accounts, and wherein the transponder identification number is authorized to be used for multiple transactions. - View Dependent Claims (43, 44, 45, 46, 47, 48)
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Specification