MULTI-FUNCTION TRANSACTION DEVICE

• US 20080041936A1
• Filed: 08/17/2006
• Published: 02/21/2008
• Est. Priority Date: 08/17/2006
• Status: Active Grant

• Current Assignee: Verizon Patent and Licensing Incorporated (Verizon Communications Inc.)
• Original Assignee: MCI Financial Management Corp. (Verizon Communications Inc.)
• Inventors: Vawter, Jamison
• Granted Patent: US 7,886,962 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/145 Payments according to the detected use or quantity
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data

Abstract

A portable device may include far field communication logic to receive identity information to establish a transaction between the portable device and a transaction device, to receive user information related to a user of the portable device, and to send updated user information, completed transaction information, or updated other information to a server for storage in an account related to the user. The portable device may include near field communication logic to send the identity information to the transaction device, to receive transaction information during a transaction, to send payment information to the transaction device, and to receive the completed transaction information. The portable device may include processing logic to identify the identity information, to display the transaction information on a display device, to identify the payment information based on a payment request related to the transaction device, and to store the completed transaction information in the memory or identify the completed transaction information on behalf of the far field communication logic.

Claims

1. A portable device, comprising:

far field communication logic to;

receive identity information from a server, the identity information used to establish a transaction between the portable device and a transaction device,

receive user information from the server, the user information related to a user of the portable device,

send updated user information or completed transaction information to the server for storage in an account related to the user;

near field communication logic to;

send the identity information to the transaction device in response to a query,

receive transaction information from the transaction device during a transaction,

send payment information to the transaction device, the payment information related to the transaction or the user information, and receive the completed transaction information; and

processing logic to;

process the query and identify the identity information,

display the transaction information on a display device or store the transaction information in a memory,

identify the payment information based on a payment request related to the transaction device, and

store the completed transaction information in the memory or identify the completed transaction information on behalf of the far field communication logic.

2. The portable device of claim 1, wherein the identity information comprises:

a name, an address, a phone number, an electronic serial number, a social security number, a driver'"'"'s license number, passport information, access information, credit card information, debit card information, a receipt identifier, order information, account information, a personal identification number (PIN), a token, a password, a seed, a secure identification value (SIV), a secure ID, or code.

3. The portable device of claim 1, wherein the user information comprises:

a name, an address, a phone number, an electronic serial number, a social security number, a driver'"'"'s license number, passport information, access information, credit card information, debit card information, a receipt, order information, account information, an image, a music file, a contact, a data file, a document, a spreadsheet, a call log, secure personal identification number (PIN) pad logic, or a coupon.

4. The portable device of claim 1, wherein the far field communication logic, the near field communication logic, or the processing logic are housed in a plug-in module, the plug-in module adapted to removeably couple with the portable device.

5. The portable device of claim 1, wherein the identity information or the user information is received via a managed service.

6. The portable device of claim 1, wherein the portable device operates as a slave device with respect to the server.

7. A transaction device, comprising:

far field logic to;

send payment information and transaction information to a server,

send a request to the server,

receive a response from the server;

near field logic to;

send a query in response to a presence signal related to a user device,

send a portion of the transaction information to the user device, the portion of the transaction information related to one or more transaction items identified by the transaction device; and

processing logic to;

identify the user device based on identity information received from the user device or from the server on behalf of the user device,

process the transaction items,

generate the portion of the transaction information based on the processing, and

process payment to complete the transaction, the payment received on behalf of the user.

8. The transaction device of claim 7, wherein the far field logic is further configured to:

send an identity request to the server when sending the request to the server; and

receive identity information about an identity of the user device via the response.

9. The transaction device of claim 7, wherein the near field logic is further configured to:

receive identity information from the user device in response to the query.

10. The transaction device of claim 9, wherein the identity information comprises:

a name, an address, a phone number, an electronic serial number, a social security number, a driver'"'"'s license number, passport information, access information, credit card information, debit card information, a receipt identifier, order information, account information, a personal identification number (PIN), a token, a password, a seed, a secure identification value (SIV), a secure ID, or code.

11. The transaction device of claim 7, wherein the processing is further configured to:

adapt the portion of the transaction information to make the portion of the transaction information compatible with a display on the user device.

12. The transaction device of claim 7, wherein the far field logic is configured to:

receive stored transaction information from the server, the stored transaction information related to the user device, and

wherein the processing logic is configured to;

process a return transaction on behalf of the user device using the stored transaction information.

13. The transaction device of claim 7, wherein the far field logic, the near field logic, or the processing logic are housed in a plug-in module, where the plug-in module is adapted to removeably couple to the transaction device.

14. The transaction device of claim 7, wherein the receiving a response, sending the payment information or the sending the request are related to a managed service operating on the server.

15. A server, comprising:

user device logic to;

interact with identity information on behalf of a user device to establish an identity of the user device to another device for a transaction,

send user information to the user device, the user information related to an operator of the user device,

receive updated user information on behalf of the operator, and

interact with payment information on behalf of the user device;

transaction device logic to;

receive completed transaction information from a transaction device, the completed transaction information comprising the payment information, the completed transaction information related to a transaction between the user device and the transaction device, and

send stored transaction information to the transaction device, the stored transaction information related to a prior transaction between the transaction device and the user device or between the user device and the another user device; and

processing logic to;

retrieve the identity information based on a request from the user device or the transaction device,

store the updated user information in an account related to the operator, and

store the completed transaction information in an account related to the transaction device or in the account related to the operator.

16. The server of claim 15, wherein the user logic interacts with the identity information by sending the identity information to the user device or to the transaction device.

17. The server of claim 15, wherein the updated user information comprises:

an updated name, address, phone number, electronic serial number, social security number, driver'"'"'s license number, passport information, access information, credit card information, debit card information, receipt, order information, account information, image, music file, contact, data file, document, spreadsheet, call log, secure personal identification number (PIN) pad logic, or coupon.

18. The server of claim 15, wherein the user device logic comprises:

a wireless network interface coupled to a first network;

and wherein the transaction device logic comprises;

a network interface coupled to a second network.

19. The server of claim 15, wherein the server provides a managed service to the user device or the transaction device.

20. The server of claim 15, wherein the user device logic or the transaction device logic are implemented in a plug-in module adapted to removeably couple to the server.