System and method for managing wireless point-of-sale transactions

• US 20100153221A1
• Filed: 03/18/2008
• Published: 06/17/2010
• Est. Priority Date: 02/21/2006
• Status: Active Grant

• Current Assignee: Apple Inc.
• Original Assignee: David Benjamin Esplin, Jill Andrews Esplin
• Inventors: Esplin, David Benjamin, Esplin, Jill Andrews
• Granted Patent: US 7,861,930 B2
• Time in Patent Office: Days
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 40/12 Accounting

Abstract

A system that enables a wireless point-of-sale transaction. In one embodiment the system comprises an account module, an account selection module, a display, an input interface, and a wireless transmitter. The account module stores account information corresponding to a plurality of payment accounts. The account selection module selects a payment account from the plurality of payment accounts as a default payment account for a wireless point-of-sale transaction based on one or more predetermined criteria. The display displays the default payment account to a user. The input interface enables the user to accept the default payment account by the account selection module. The wireless transmitter that wirelessly transmits payment information to a point-of-sale device, wherein the payment information comprises account information associated with the default account when the default payment account is accepted via the input interface.

Claims

1. A system that enables a wireless point-of-sale transaction, the system comprising:

an input interface that enables a user to initiate a wireless point-of-sale transaction;

a transmitter that wirelessly transmits information to a point-of-sale device in response to the initiation of the wireless point-of-sale transactions that enables the point-of-sale device to confirm payment for the wireless point-of-sale transaction;

a receiver that receives a wireless transmission of purchase information, wherein the purchase information comprises price information related to the wireless point-of-sale transaction; and

a user spending module that enables the user to assign the goods and/or services received in the wireless point-of-sale transaction to one or more classifications via the input interface, and tracks the user'"'"'s spending with respect to a plurality of classifications of goods and/or services based in part on the assignment of the goods and/or services received in the wireless point-of-sale transaction to the one or more classifications.

2. The system of claim 1, wherein the user spending module enables the user to assign classifications of goods and/or services to individual ones of the goods and/or services received in the wireless point-of-sale transaction.

3. The system of claim 1, wherein the user spending module enables the user to individually assign a classification of goods and/or services to the goods and/or services received in the wireless point-of-sale transaction as a single group.

4. The system of claim 1, wherein the goods and/or services received in the wireless point-of-sale transaction are initially automatically assigned to one or more default classifications of goods and/or services, and wherein the input interface enables the user to reject the one or more default classifications of the goods and/or services acquired by the user in the wireless point-of-sale transaction.

5. The system of claim 4, wherein the input interface enables the user to manually override one or more classifications of goods and/or service for the one or more of the goods and/or services received in the wireless point-of-sale transaction.

6. The system of claim 4, wherein the input interface enables the user to flag the one or more classifications rejected by the user, and enables the user to select one or more classifications for the corresponding goods and/or services at a later time.

7. The system of claim 1, wherein the user spending module enables the user to assign the goods and/or services received in the wireless point-of-sale transaction to one or more classifications via the input interface by selecting the one or more classifications from a predetermined list of classifications.

8. A method of enabling a wireless point-of-sale transaction, the method comprising:

receiving a command to initiate a wireless point-of-sale transaction from an input interface;

initiating the wireless point-of-sale transaction in response to the received command by wirelessly transmitting information to a point-of-sale device that enables the point-of-sale device to confirm payment for the wireless point-of-sale transaction;

receiving a wireless transmission of purchase information, wherein the purchase information comprises price information related to the wireless point-of-sale transaction;

receiving, from the input interface, an assignment of the goods and/or services received in the wireless point-of-sale transaction to one or more classifications; and

tracking user spending with respect to a plurality of classifications of goods and/or services based in part on the received assignment of the goods and/or services received in the wireless point-of-sale transaction to the one or more classifications.

9. The method of claim 8, further comprising presenting information related to the tracking of user spending with respect to a plurality of classifications of goods and/or services on a display that is collocated on a single device with the input interface.

10. The method of claim 8, wherein receiving the assignment of the goods and/or services received in the wireless point-of-sale transaction to one or more classifications comprises receiving an assignment of classifications for individual ones of the received goods and/or services.

11. The method of claim 8, wherein receiving the assignment of the goods and/or services received in the wireless point-of-sale transaction to one or more classifications comprises receiving a single classification for the received goods and/or services as a single group.

12. The method of claim 8, wherein receiving the assignment of the goods and/or services received in the wireless point-of-sale transaction to one or more classifications comprises initially automatically assigning one or more default classifications to the received goods and/or services, and enabling a user to reject the one or more default classifications of the received goods and/or services.

13. The method of claim 12, wherein receiving the assignment of the goods and/or services received in the wireless point-of-sale transaction to one or more classifications further comprises enabling the user to manually override one or more of the one or more default classifications of goods and/or service for the one or more received goods and/or services.

14. The method of claim 12, wherein receiving the assignment of the goods and/or services received in the wireless point-of-sale transaction to one or more classifications further comprises enabling the user to flag the one or more classifications rejected by the user, and enabling the user to select one or more classifications for the corresponding goods and/or services at a later time.

15. The method of claim 8, wherein receiving the assignment of the goods and/or services received in the wireless point-of-sale transaction to one or more classifications comprises receiving a selection of one or more classifications from a predetermined list of classifications.

16. A method of enabling a wireless point-of-sale transaction, the method comprising:

receiving a wireless transmission of a record of a point-of-sale transaction that includes information related to the price of the point-of-sale transaction;

receiving, via an input interface of a wireless client device, a classification by a user of one or more goods and/or services purchased in the point-of-sale transaction;

determining an amount of user spending on goods and/or services within the classification; and

presenting a view to the user, via a display of the wireless client device, that conveys the amount of user spending on goods and/or services within the classification.

17. The method of claim 17, wherein determining an amount of user spending on goods and/or services within the classification comprises determining an amount of user spending on goods and/or services with the classification within a predetermined amount of time.