WIRELESS MOBILE COMMUNICATOR FOR CONTACTLESS PAYMENT ON ACCOUNT READ FROM REMOVABLE CARD
First Claim
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;
anda 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;
andtransmits, 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;
andrenders, using the display, in response the receiving of the remaining currency balance in the account, the remaining currency balance in the account.
1 Assignment
0 Petitions
Accused Products
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.
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Citations
20 Claims
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1. A wireless mobile communications apparatus comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A cellular telephone comprising:
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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. - View Dependent Claims (15, 16, 17, 18, 19)
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20. A World Wide Web (Web) enabled wireless mobile communications apparatus comprising:
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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.
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Specification