METHOD TO SELECT PAYMENT WHEN USING A WIRELESS COMMUNICATION DEVICE

• US 20080133373A1
• Filed: 03/14/2007
• Published: 06/05/2008
• Est. Priority Date: 11/30/2006
• Status: Abandoned Application

• Current Assignee: Motorola, Inc. (Motorola Solutions, Inc.)
• Original Assignee: Motorola, Inc. (Motorola Solutions, Inc.)
• Inventors: Baudino, Daniel A., Perdomo, Jorge L., Gage, Nona E.
• Application Number:
  US11/686,151
• Publication Number:
  US 20080133373A1
• Time in Patent Office: Days
• US Class Current: 705/18
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices

Abstract

A method (400) of selecting a financial account to be used to make a payment and a mobile station (105) that may implement the method. The method can include identifying at least one of a plurality of user profiles during a payment transaction at a point-of-sale terminal (110). The method also can include selecting from a plurality of available financial accounts at least one financial account that is associated with the identified user profile and making the payment using the selected financial account.

Claims

1. A method of selecting a financial account to be used to make a payment at a point-of-sale terminal, comprising:

during a payment transaction at the point-of-sale terminal, identifying at least one of a plurality of user profiles;

selecting from a plurality of available financial accounts at least one financial account that is associated with the identified user profile; and

making the payment using the selected financial account.

2. The method of claim 1, further comprising associating each of the plurality of financial accounts with at least one user profile selected from the plurality of user profiles.

3. The method of claim 1, further comprising:

receiving a first identifier associated with a mobile station accessory;

wherein identifying the at least one user profile comprises determining that the user profile is associated with the first identifier.

4. The method of claim 3, further comprising:

receiving a second identifier associated with a location;

wherein identifying the at least one user profile comprises determining that the user profile is associated with the first identifier and the second identifier.

5. The method of claim 1, further comprising:

receiving a first identifier associated with a wearable item;

wherein identifying the at least one user profile comprises determining that the user profile is associated with the first identifier.

6. The method of claim 1, further comprising:

receiving financial information for each of the financial accounts;

wherein selecting the financial account comprises processing the financial information.

7. The method of claim 1, further comprising:

receiving at least one biometric parameter;

wherein identifying the at least one user profile comprises determining that the user profile is associated with the received biometric parameter.

8. The method of claim 1, wherein selecting at least one financial account comprises:

selecting a first financial account associated with the identified user profile; and

in response to determining that the first financial account is not available to make payment for the payment transaction, selecting a second account associated with the identified user profile.

9. The method of claim 8, wherein selecting the first financial account comprises selecting the financial account that has a highest priority from among the financial accounts associated with the user profile.

10. The method of claim 1, wherein identifying the at least one user profile comprises receiving a user selection of the user profile.

11. The method of claim 1, further comprising:

in response to making the payment, sending an electronic message to a contact associated with the selected financial account.

12. The method of claim 1, wherein making the payment comprises making a contactless payment.

13. A mobile station suitably configured to make a payment at a point-of-sale terminal, comprising:

at least a first transceiver; and

a controller that, during a payment transaction at the point-of-sale terminal, identifies at least one of a plurality of user profiles, selects from a plurality of available financial accounts at least one financial account that is associated with the identified user profile, and communicates to the transceiver information to be communicated to the point-of-sale terminal in order to make the payment for the transaction using the selected financial account.

14. The mobile station of claim 13, wherein the controller associates each of the plurality of financial accounts with at least one user profile selected from the plurality of user profiles.

15. The mobile station of claim 13, wherein:

the first transceiver or a second transceiver of the mobile station receives a first identifier associated with a mobile station accessory; and

the controller determines that the user profile is associated with the first identifier.

16. The mobile station of claim 15, wherein:

the first transceiver or the second transceiver receives a second identifier associated with a location; and

the controller determines that the user profile is associated with the first identifier and the second identifier.

17. The mobile station of claim 13, wherein:

the first transceiver or a second transceiver of the mobile station receives a first identifier associated with a wearable item; and

the controller determines that the user profile is associated with the first identifier.

18. The mobile station of claim 13, wherein:

the first transceiver or a second transceiver of the mobile station receives financial information for each of the financial accounts; and

the controller processes the financial information in order to select the financial account that is associated with the identified user profile.

19. The mobile station of claim 13, further comprising:

a biometric sensor that receives at least one biometric parameter;

wherein the controller determines that the user profile is associated with the received biometric parameter.

20. A program storage device readable by a machine, tangibly embodying a program of instructions executable by the machine to perform method steps of selecting a financial account to be used to make a payment at a point-of-sale terminal, said method steps comprising:

during a payment transaction at the point-of-sale terminal, identifying at least one of a plurality of user profiles;

selecting from a plurality of available financial accounts at least one financial account that is associated with the identified user profile; and

making the payment using the selected financial account.