Contactless Payment Through Satellite Radio Devices

• US 20090171846A1
• Filed: 12/02/2008
• Published: 07/02/2009
• Est. Priority Date: 12/27/2007
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Branca, Frederick F. JR.
• Application Number:
  US12/326,217
• Publication Number:
  US 20090171846A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

A method and system for making a purchase using a payment card and a satellite radio. The method includes: broadcasting information relating to goods or services for sale via a satellite radio; receiving a request to purchase goods or services via a satellite radio that includes a payment card account number; identifying subscriber account information based on the payment card account number; submitting a request for payment authorization; receiving an authorization and delivering the goods or services to a purchaser. The system includes: a satellite radio that has a receiver and a transmitter; radio programming that includes an advertisement for the sale of goods or services; a payment card with a microprocessor chip or a magnetic stripe that contains account information and a payment card reader connected to the satellite radio for reading the account information from the microprocessor chip or magnetic stripe.

Claims

1. A method for making a purchase using a payment card and a satellite radio comprising:

broadcasting information relating to goods or services for sale via a satellite radio;

receiving a request to purchase goods or services via a satellite radio, wherein the request includes a payment card account number;

identifying subscriber account information based on the payment card account number;

submitting a request for payment authorization;

receiving an authorization; and

delivering goods or services to a purchaser.

2. The method for making a purchase using a payment card and a satellite radio according to claim 1, wherein the subscriber account information comprises a shipping address.

3. The method for making a purchase using a payment card and a satellite radio according to claim 1, wherein a first radio frequency is used for the broadcast information and a second radio frequency is used for the purchase request.

4. The method for making a purchase using a payment card and a satellite radio according to claim 1, wherein the broadcast information comprises a code for identifying the goods or services.

5. The method for making a purchase using a payment card and a satellite radio according to claim 4, wherein the code is visually displayed on the satellite radio.

6. The method for making a purchase using a payment card and a satellite radio according to claim 1, wherein the payment card is a credit card, a debit card or a prepaid card.

7. The method for making a purchase using a payment card and a satellite radio according to claim 1, wherein the method further comprises assigning an order number to the request to purchase goods or services.

8. The method for making a purchase using a payment card and a satellite radio according to claim 1, wherein the method further comprises confirming the purchase via the satellite radio or by an electronic message.

9. The method for making a purchase using a payment card and a satellite radio according to claim 8, wherein the electronic message is an e-mail or a text message.

10. The method for making a purchase using a payment card and a satellite radio according to claim 1, wherein the method further comprises delivering the goods or services to a location identified in the subscriber account information.

11. A system for making a purchase using a payment card and a satellite radio comprising:

a satellite radio comprising a receiver and a transmitter;

radio programming comprising an advertisement for the sale of goods or services;

a payment card comprising a microprocessor chip or a magnetic stripe, wherein the microprocessor chip or magnetic stripe contains account information;

a payment card reader for reading the account information from the microprocessor chip or magnetic stripe, wherein the payment card reader communicates the account information to the satellite radio, and wherein the account information is transmitted via the satellite radio transmitter to purchase the advertised goods or services; and

software for receiving the account information and completing a sales transaction for the purchase of the advertised goods or services.

12. A system for making a purchase using a payment card and a satellite radio according to claim 11, wherein the satellite radio comprises one or more channels for receiving and transmitting satellite radio signals.

13. A system for making a purchase using a payment card and a satellite radio according to claim 11, wherein the satellite radio comprises a first radio frequency for receiving the radio programming and a second radio frequency for transmitting the account information.

14. A system for making a purchase using a payment card and a satellite radio according to claim 11, wherein the satellite radio or the payment card reader comprises a display screen, and wherein the advertisement is assigned a code, which is displayed on the display screen.

15. A system for making a purchase using a payment card and a satellite radio according to claim 11, wherein the system further comprises a keypad, a touch screen or a touch pad for entering information for transmission via the satellite radio, wherein the purchase is made using the keypad, touch screen or touch pad and the payment card.

16. A system for making a purchase using a payment card and a satellite radio according to claim 11, wherein the completed sales transaction is assigned an order number and wherein the order number is transmitted to a purchaser via the satellite radio, an e-mail or a text message.

17. A system for making a purchase using a payment card and a satellite radio according to claim 11, wherein the account information comprises a shipping address and wherein the purchased goods or services can only be shipped to the shipping address.

18. A system for making a purchase using a payment card and a satellite radio according to claim 11, wherein the payment card is a credit card, a debit card or a prepaid card.

19. A system for making a purchase using a payment card and a satellite radio comprising:

a satellite radio comprising a receiver, a transmitter, a display screen, a first channel for receiving a broadcast satellite radio signal and a second channel for transmitting a satellite radio signal;

radio programming comprising an advertisement for the sale of goods or services, wherein the advertisement is assigned a code and the code is displayed on the display screen;

a payment card comprising a microprocessor chip or a magnetic stripe, wherein the microprocessor chip or magnetic stripe contains account information;

a payment card reader for reading the account information from the microprocessor chip or magnetic stripe, wherein the payment card reader is connected to the satellite radio, and wherein the account information is transmitted via the satellite radio transmitter to purchase the advertised goods or services;

a keypad, a touch screen or a touch pad for entering information for transmission via the satellite radio, wherein the purchase is made using the keypad, touch screen or touch pad and the payment card; and

software for receiving the account information and completing a sales transaction for the purchase of the advertised goods or services.

20. A system for making a purchase using a payment card and a satellite radio according to claim 19, wherein the completed sales transaction is assigned an order number and wherein the order number is transmitted to a purchaser via the satellite radio, an e-mail or a text message.