PAYMENT USING A MOBILE DEVICE
First Claim
1. A method of providing a mobile device with payment data to enable the mobile device to complete a purchase transaction at a collection terminal, the method comprising:
- accessing a payment data value from an element of the wireless network using a mobile device, wherein the mobile device is capable of communication and data exchange over a wireless network;
selecting a purchase having a purchase price at a collection terminal using the mobile device, wherein the mobile device communicates with the collection terminal using a near field communications technology; and
in the event that a payment data amount total associated with the mobile device is equal to or greater than the purchase price, completing the purchase transaction at the collection terminal.
1 Assignment
0 Petitions
Accused Products
Abstract
A mobile device is provided with payment data to enable the mobile device to complete a purchase transaction at a collection terminal. The mobile device requests and receives a payment data value over a wireless network to configure the mobile device as an electronic wallet such that a subsequent purchase transaction may be completed using the payment data value stored on the mobile device. A transit fare may be paid using the mobile device in communication with a back end server that collects transit information and calculates the transit fare. The mobile device may also access payment data, transit fare products and account information from the back end server via a wireless network.
485 Citations
39 Claims
-
1. A method of providing a mobile device with payment data to enable the mobile device to complete a purchase transaction at a collection terminal, the method comprising:
-
accessing a payment data value from an element of the wireless network using a mobile device, wherein the mobile device is capable of communication and data exchange over a wireless network; selecting a purchase having a purchase price at a collection terminal using the mobile device, wherein the mobile device communicates with the collection terminal using a near field communications technology; and in the event that a payment data amount total associated with the mobile device is equal to or greater than the purchase price, completing the purchase transaction at the collection terminal. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
-
-
10. A system for providing a mobile device with payment data to enable the mobile device to complete a purchase transaction at a collection terminal, the mobile device capable of communication and data exchange over a wireless network, and communication and data exchange with the collection terminal using a near field communications technology, the system comprising:
-
a system element in communication with a collection terminal and with an element of the wireless communications network; a processor configured to execute a process to provide a payment data value to the mobile device in response to a request for the payment data value, whereby the payment data value is provided to the element of the wireless communications network or the collection terminal for access by the mobile device; and a communication module coupled to the collection terminal, the communication module configured to receive a purchase transaction request having a purchase price from the mobile device using the near field communications technology, wherein, in the event that a payment data total associated with the mobile device is equal to or greater than the purchase price, the purchase transaction request is completed. - View Dependent Claims (11, 12, 13, 14)
-
-
15. A method of providing a mobile device with payment data to enable the mobile device to complete a purchase transaction at a collection terminal, the method comprising:
-
receiving a request for a payment data value to be used by the mobile device; providing the payment data value to the element of the wireless network; receiving a purchase selection having a purchase price at a collection terminal, wherein the purchase selection is received from the mobile device using a near field communications technology; and in the event that a payment data amount total associated with the mobile device is equal to or greater than the purchase price, completing the purchase transaction at the collection terminal. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22)
-
-
23. A method of paying a transit fare using a mobile device and a back end server associated with a transit agency, the method comprising:
-
receiving a first request to access a transit system, wherein the first request is associated with an entry point to the transit system; storing first information associated with the first request and the entry point; receiving a second request to exit the transit system, wherein the second request is associated with an exit point of the transit system; storing second information associated with the second request and the exit point; and calculating a transit fare based on the first information and the second information. - View Dependent Claims (24, 25, 26, 27)
-
-
28. A method of paying a transit fare using a mobile device and a back end server associated with a transit agency, the method comprising:
-
receiving a request to access a transit system, wherein the request is associated with an entry point to the transit system; storing information associated with request and the entry point; and calculating a transit fare based on the stored information. - View Dependent Claims (29, 30, 31)
-
-
32. A method of accessing transit data from a server using a mobile device, the method comprising:
-
receiving a request for transit data, wherein the request is received by the server from the mobile device; and providing the requested transit data to the mobile device via a wireless network. - View Dependent Claims (33, 34, 35)
-
-
36. A method of accessing transit data using a mobile device, the method comprising:
-
submitting a request for transit data, wherein the request is sent from the mobile device; and receiving the requested transit data at the mobile device via a wireless network. - View Dependent Claims (37, 38, 39)
-
Specification