WIRELESS MOBILE COMMUNICATOR FOR CONTACTLESS PAYMENT ON ACCOUNT READ FROM REMOVABLE CARD

• US 20100051689A1
• Filed: 08/13/2009
• Published: 03/04/2010
• Est. Priority Date: 08/14/2008
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Diamond, Stephen
• Granted Patent: US 8,127,999 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/347 Passive cards
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/381 Currency conversion

Abstract

A wireless mobile communications apparatus reads removable cards and can communicate an account corresponding to the removable card in order to conduct a wireless transaction with a merchant on the account with the wireless mobile communications apparatus. A total currency amount for the transaction, and remaining balance in the account after the transaction, can be displayed on a display screen of the wireless mobile communications apparatus. The removable card can be a gift card bearing a magnetic strip having an identifier for the account encoded thereto that will be read when inserted into the wireless mobile communications apparatus which can be a cellular telephone or Web enabled portable device. The magnetic strip gift card can be substantially composed of paper so as to be intended for disposable after use.

Claims

1. A wireless mobile communications apparatus comprising:

a card reader configured to removably receive a data bearing card into a card installed position thereof;

a display;

an input device;

wireless communications apparatus;

memory for storing instructions and data;

and

a computing apparatus, wherein when the instructions in the memory are executed by the computing apparatus, the computing apparatus;

when the card reader is in the installed position thereof;

reads, using the card reader, information encoded in memory of the data bearing card;

derives, from the information encoded in the memory of the data bearing card, an identifier for an account issued by an issuer;

and

transmits, using the wireless communications apparatus, the identifier for the account;

receives, using the wireless communications apparatus, in response to the transmission of the identifier for the account, a total currency amount of a transaction with a merchant being conducted on the account by use of the wireless mobile communications apparatus;

renders, using the display, a prompt requesting authorization of withdrawal of the total currency amount for the transaction from the account;

receives, from the input device, in response to the rendered prompt, an indicator as to an approval of the requested authorization for the withdrawal of the total currency amount for the transaction from the account;

transmits, using the wireless communications apparatus, information corresponding to the indicator;

receives, using the wireless communications apparatus, in response to the transmission of the information corresponding to the indicator, a remaining currency balance in the account;

and

renders, using the display, in response the receiving of the remaining currency balance in the account, the remaining currency balance in the account.

2. The wireless mobile communications apparatus as defined in claim 1, wherein:

the card reader comprises a magnetic strip card reader; and

the data bearing card comprises a planar substrate having a surface with a magnetic strip.

3. The wireless mobile communications apparatus as defined in claim 1, wherein:

the card reader comprises a bar code reader; and

the data bearing card comprises a planar substrate having a surface having bar code thereon; and

the information encoded in the memory of the data bearing card is encoded in the bar code.

4. The wireless mobile communications apparatus as defined in claim 1, wherein the wireless communications apparatus comprises:

short range communications apparatus; and

cellular telephony communications apparatus.

5. The wireless mobile communications apparatus as defined in claim 4, wherein the short range communications apparatus is configured for:

the transmitting of the identifier for the account; and

the transmitting of the information corresponding to the indicator.

6. The wireless mobile communications apparatus as defined in claim 4, wherein the short range communications apparatus is configured for communications less than about three hundred meters.

7. The wireless mobile communications apparatus as defined in claim 1, wherein the card reader is further configured to removably receive the data bearing card in a form factor comprising a substrate substantially comprising paper having a surface thereon the memory of the data bearing card.

8. The wireless mobile communications apparatus as defined in claim 1, wherein the deriving of the identifier for an account issued by the issuer further comprise decrypting the encoded information read from the memory of the data bearing card to form the identifier for the account.

9. The wireless mobile communications apparatus as defined in claim 1, wherein:

the card reader is further configured to encode information in the memory of the data bearing card; and

the receiving of the total currency amount of the transaction being conducted on the account further comprises encoding, with the card reader, the received remaining currency balance in the account in the memory of the data bearing card

10. The wireless mobile communications apparatus as defined in claim 9, wherein the instructions further comprise balance inquiry instructions, which when executed by the computing apparatus, the computing apparatus:

when the card reader is in the installed position thereof;

receives, from the input device, an indicator corresponding to a demand balance inquiry; and

reads, in response to the receipt of the indicator corresponding to the demand balance inquiry, the encoded remaining currency balance in the account in the memory of the data bearing card; and

and

renders, on the display, in response to the reading of the encoded remaining currency balance in the account in the memory of the data bearing card, a display representing the remaining currency balance in the account as encoded in the memory of the data bearing card.

11. The wireless mobile communications apparatus as defined in claim 1, wherein the card reader is further configured to removably receive the data bearing card in a form factor comprising a non-reloadable gift card for which the information encoded in the memory thereof does not include:

a currency amount;

or

an identity of a user of the wireless mobile communications apparatus who is conducting the transaction on the account with the merchant.

12. The wireless mobile communications apparatus as defined in claim 11, wherein neither the transmitting of the identifier for the account nor the transmitting of the information corresponding to the indicator includes a transmission of data corresponding to either:

a currency amount;

or

an identifier for a cardholder of the gift card.

13. The wireless mobile communications apparatus as defined in claim 1, wherein:

the indicator as to an approval of the requested authorization for the withdrawal of the total currency amount for the transaction from the account is a password required for access to currency in the account; and

the transmitting of the information corresponding to the indicator includes the transmission of the password.

14. A cellular telephone comprising:

a magnetic strip card reader having a card installed position thereof and configured for removably installing a planar substrate having a surface with a magnetic strip thereon into the card installed position of the magnetic strip card reader;

a display screen;

an input device;

cellular telephony communications apparatus;

short range communications apparatus configured for communications having a range of not more than about 300 meters;

memory for storing instructions and data;

and

a computing apparatus, wherein when the computing apparatus executes the instructions stored in the memory, the computing apparatus;

when the magnetic strip card reader is in the installed position thereof;

reads information encoded in the magnetic strip on the planar substrate;

derives, from the information encoded in the magnetic strip on the planar substrate, an identifier for an account issued by an issuer;

transmits, using the short range communications apparatus, the identifier for the account;

receives, using the short range communications apparatus, in response to the transmission of the identifier for the account, a total currency amount of a transaction with a merchant being conducted on the account by use of the cellular telephone;

renders, on the display screen, a prompt requesting authorization of a withdrawal of the total currency amount for the transaction from the account;

receives, from the input device in response to the rendered prompt, an indicator as to an approval of the requested authorization for the withdrawal of the total currency amount for the transaction from the account;

transmits, using the using the short range communications apparatus, information corresponding to the indicator; and

receives, using the short range communications apparatus, in response to the transmission of the information corresponding to the indicator, a remaining currency balance in the account; and

renders, on the display screen in response the receiving of the remaining currency balance in the account, the remaining currency balance in the account.

15. The cellular telephone as defined in claim 14, wherein the short range communications apparatus is further configured for a communication protocol selected from the group consisting Near Field Communications (NFC), Bluetooth, Wi-Fi, IrDA, and a combination thereof.

16. The cellular telephone as defined in claim 14, wherein:

the magnetic strip card reader is further configured to encode information in the magnetic strip on the planar substrate; and

the receiving of the remaining currency balance in the account further comprises encoding, with the magnetic strip card reader, the received remaining currency balance in the information in the magnetic strip on the planar substrate.

17. The cellular telephone as defined in claim 16, wherein the instructions further comprise balance inquiry instructions, which when executed by the computing apparatus, the computing apparatus:

when the magnetic strip card reader is in the installed position thereof;

receives, from the input device, an indicator corresponding to a demand balance inquiry; and

reads, in response to the receipt of the indicator corresponding to the demand balance inquiry, the encoded remaining currency balance in the information in the magnetic strip on the planar substrate; and

and

renders, on the display screen, in response to the reading of the encoded remaining currency balance in the information in the magnetic strip on the planar substrate, a display representing the remaining currency balance in the account as encoded in the memory of the data bearing card.

18. The cellular telephone as defined in claim 14, wherein:

the card reader is further configured to removably receive the data bearing card in a form factor comprising a non-reloadable gift card for which the information encoded in the magnetic strip on the planar substrate does not include;

a currency amount;

or

an identity of a user of the cellular telephone conducting the transaction with the merchant on the account;

and

neither the transmitting of the identifier for the account nor the transmitting of the information corresponding to the indicator includes a transmission of data corresponding to either;

a currency amount;

or

an identity of a user of the cellular telephone who is conducting the transaction with the merchant on the account.

19. The cellular telephone as defined in claim 14, wherein:

the indicator as to an approval of the requested authorization for the withdrawal of the total currency amount for the transaction from the account is a password required for access to currency in the account; and

the transmitting of the information corresponding to the indicator includes the transmission of the password.

20. A World Wide Web (Web) enabled wireless mobile communications apparatus comprising:

means for reading a data bearing card and configured to removably receive the data bearing card into a card installed position thereof,

a user interface including;

means for displaying; and

means for receiving input;

means for transreceiving wireless communications over the Internet;

means for storing instructions and data; and

computing means for executing the instructions, wherein when the instructions are executed by the computing means, the computing means;

executes a Web browser providing interactive communications with the Web;

when the means for reading a data bearing card is in the installed position thereof;

reads, using the means for reading a data bearing card, information encoded in memory of the data bearing card;

derives, from the information encoded in the memory of the data bearing card, an identifier for an account issued by an issuer;

and

transmits, using the wireless communications apparatus, the identifier for the account for delivery to a logical Internet address;

receives, from a logical Internet address, using the means for transreceiving wireless communications, in response to the transmission of the identifier for the account, a total currency amount of a transaction with a merchant being conducted on the account by use of the wireless mobile communications apparatus;

renders, using the means for displaying, a prompt requesting authorization of withdrawal of the total currency amount for the transaction from the account;

receives, from the means for receiving input of the user interface, in response to the rendered prompt, an indicator as to an approval of the requested authorization for the withdrawal of the total currency amount for the transaction from the account;

transmits, using the means for transreceiving wireless communications, information corresponding to the indicator for delivery to a logical Internet address;

receives, from a logical Internet address, using the means for transreceiving wireless communications, in response to the transmission of the information corresponding to the indicator, a remaining currency balance in the account;

and

renders, using the means for displaying, in response the receiving of the remaining currency balance in the account, the remaining currency balance in the account.