SYSTEM AND METHOD OF CONDUCTING TRANSACTIONS USING A WIRELESS DEVICE

• US 20100257033A1
• Filed: 04/02/2009
• Published: 10/07/2010
• Est. Priority Date: 04/02/2009
• Status: Abandoned Application

• Current Assignee: Qualcomm, Inc.
• Original Assignee: Qualcomm, Inc.
• Inventors: Dos Santos, Jose Ricardo, Roberts, John R.
• Application Number:
  US12/417,337
• Publication Number:
  US 20100257033A1
• Time in Patent Office: Days
• US Class Current: 705/14.300
• 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 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 30/0229 Multi-merchant loyalty card systems
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]

Abstract

A method of conduction transactions at a point-of-sale terminal using a wireless device is disclosed and may include attempting to read information from the point-of-sale terminal via a wireless link, receiving a merchant identification when an attempt to read is successful, and searching a payment table using the merchant identification. In a particular aspect, the merchant identification may include a merchant identification number, a merchant name, a merchant store number, or a combination thereof.

Claims

1. A method of conduction transactions at a point-of-sale terminal using a wireless device, the method comprising:

attempting to read information from the point-of-sale terminal via a wireless link;

receiving a merchant identification when an attempt to read is successful; and

searching a payment table using the merchant identification.

2. The method of claim 1, wherein the merchant identification comprises a merchant identification number, a merchant name, a merchant store number, or a combination thereof.

3. The method of claim 1, further comprising:

determining whether the payment table includes a loyalty card; and

transmitting loyalty card information to the point-of-sale terminal when the payment table includes the loyalty card.

4. The method of claim 3, further comprising:

determining whether the payment table includes an electronic coupon; and

transmitting the electronic coupon to the point-of-sale terminal when the payment table includes the electronic coupon.

5. The method of claim 4, further comprising:

determining whether the payment table includes a merchant-defined payment method;

retrieving the merchant-defined payment method when the payment table includes the merchant-defined payment method; and

transmitting the merchant-defined payment to the point-of-sale terminal.

6. The method of claim 4, further comprising:

determining whether the payment table includes a user-defined payment method;

retrieving the merchant-defined payment method when the payment table includes the user-defined payment method; and

transmitting the user-defined payment to the point-of-sale terminal.

7. A wireless device, comprising:

means for attempting to read information from a point-of-sale terminal via a wireless link;

means for receiving a merchant identification when an attempt to read is successful; and

means for searching a payment table using the merchant identification.

8. The wireless device of claim 7, wherein the merchant identification comprises a merchant identification number, a merchant name, a merchant store number, or a combination thereof.

9. The wireless device of claim 7, further comprising:

means for determining whether the payment table includes a loyalty card; and

means for transmitting loyalty card information to the point-of-sale terminal when the payment table includes the loyalty card.

10. The wireless device of claim 9, further comprising:

means for determining whether the payment table includes an electronic coupon; and

means for transmitting the electronic coupon to the point-of-sale terminal when the payment table includes the electronic coupon.

11. The wireless device of claim 10, further comprising:

means for determining whether the payment table includes a merchant-defined payment method;

means for retrieving the merchant-defined payment method when the payment table includes the merchant-defined payment method; and

means for transmitting the merchant-defined payment to the point-of-sale terminal.

12. The wireless device of claim 10, further comprising:

means for determining whether the payment table includes a user-defined payment method;

means for retrieving the merchant-defined payment method when the payment table includes the user-defined payment method; and

means for transmitting the user-defined payment to the point-of-sale terminal.

13. A wireless device, comprising:

a processor operable to;

attempt to read information from a point-of-sale terminal via a wireless link;

receive a merchant identification when an attempt to read is successful; and

search a payment table using the merchant identification.

14. The wireless device of claim 13, wherein the merchant identification comprises a merchant identification number, a merchant name, a merchant store number, or a combination thereof.

15. The wireless device of claim 13, wherein the processor is further operable to:

determine whether the payment table includes a loyalty card; and

transmit loyalty card information to the point-of-sale terminal when the payment table includes the loyalty card.

16. The wireless device of claim 15, wherein the processor is further operable to:

determine whether the payment table includes an electronic coupon; and

transmit the electronic coupon to the point-of-sale terminal when the payment table includes the electronic coupon.

17. The wireless device of claim 16, wherein the processor is further operable to:

determine whether the payment table includes a merchant-defined payment method;

retrieve the merchant-defined payment method when the payment table includes the merchant-defined payment method; and

transmit the merchant-defined payment to the point-of-sale terminal.

18. The wireless device of claim 16, wherein the processor is further operable to:

determine whether the payment table includes a user-defined payment method;

retrieve the merchant-defined payment method when the payment table includes the user-defined payment method; and

transmit the user-defined payment to the point-of-sale terminal.

19. A computer program product, comprising:

a computer-readable medium, comprising;

at least one instruction for attempting to read information from a point-of-sale terminal via a wireless link;

at least one instruction for receiving a merchant identification when an attempt to read is successful; and

at least one instruction for searching a payment table using the merchant identification.

20. The computer program product of claim 19, wherein the merchant identification comprises a merchant identification number, a merchant name, a merchant store number, or a combination thereof.

21. The computer program product of claim 19, wherein the computer-readable medium further comprises:

at least one instruction for determining whether the payment table includes a loyalty card; and

at least one instruction for transmitting loyalty card information to the point-of-sale terminal when the payment table includes the loyalty card.

22. The computer program product of claim 21, wherein the computer-readable medium further comprises:

at least one instruction for determining whether the payment table includes an electronic coupon; and

at least one instruction for transmitting the electronic coupon to the point-of-sale terminal when the payment table includes the electronic coupon.

23. The computer program product of claim 22, wherein the computer-readable medium further comprises:

at least one instruction for determining whether the payment table includes a merchant-defined payment method;

at least one instruction for retrieving the merchant-defined payment method when the payment table includes the merchant-defined payment method; and

at least one instruction for transmitting the merchant-defined payment to the point-of-sale terminal.

24. The computer program product of claim 22, wherein the computer-readable medium further comprises:

at least one instruction for determining whether the payment table includes a user-defined payment method;

at least one instruction for retrieving the merchant-defined payment method when the payment table includes the user-defined payment method; and

at least one instruction for transmitting the user-defined payment to the point-of-sale terminal.

25. A method of processing transactions at a point-of-sale terminal, the method comprising:

detecting a wireless device via a wireless link; and

transmitting a merchant identification to the wireless device.

26. The method of claim 25, wherein the merchant identification comprises a merchant identification number, a merchant name, a merchant store number, or a combination thereof.

27. The method of claim 25, wherein the wireless link is a near field communication link.

28. The method of claim 25, further comprising:

receiving loyalty card information from the wireless device; and

searching a loyalty card database using the loyalty card information.

29. The method of claim 28, further comprising:

determining whether a loyalty card is approved; and

transmitting an approval acknowledgement or a disapproval acknowledgement.

30. The method of claim 29, further comprising:

receiving an electronic coupon from the wireless device;

determining whether the electronic coupon is approved; and

transmitting an approval acknowledgement or a disapproval acknowledgement.

31. A point-of-sale terminal, comprising:

means for detecting a wireless device via a wireless link; and

means for transmitting a merchant identification to the wireless device.

32. The point-of-sale terminal of claim 31, wherein the merchant identification comprises a merchant identification number, a merchant name, a merchant store number, or a combination thereof.

33. The point-of-sale terminal of claim 31, wherein the wireless link is a near field communication link.

34. The point-of-sale terminal of claim 31, further comprising:

means for receiving loyalty card information from the wireless device; and

means for searching a loyalty card database using the loyalty card information.

35. The point-of-sale terminal of claim 34, further comprising:

means for determining whether a loyalty card is approved; and

means for transmitting an approval acknowledgement or a disapproval acknowledgement.

36. The point-of-sale terminal of claim 35, further comprising:

means for receiving an electronic coupon from the wireless device;

means for determining whether the electronic coupon is approved; and

means for transmitting an approval acknowledgement or a disapproval acknowledgement.

37. A point-of-sale terminal, comprising:

a processor, wherein the processor is operable to;

detect a wireless device via a wireless link; and

transmit a merchant identification to the wireless device.

38. The point-of-sale terminal of claim 37, wherein the merchant identification comprises a merchant identification number, a merchant name, a merchant store number, or a combination thereof.

39. The point-of-sale terminal of claim 37, wherein the wireless link is a near field communication link.

40. The point-of-sale terminal of claim 37, wherein the processor is further operable to:

receive loyalty card information from the wireless device; and

search a loyalty card database using the loyalty card information.

41. The point-of-sale terminal of claim 40, wherein the processor is further operable to:

determine whether a loyalty card is approved; and

transmit an approval acknowledgement or a disapproval acknowledgement.

42. The point-of-sale terminal of claim 41, wherein the processor is further operable to:

receive an electronic coupon from the wireless device;

determine whether the electronic coupon is approved; and

transmit an approval acknowledgement or a disapproval acknowledgement.

43. A computer program product, comprising:

a computer-readable medium, comprising;

at least one instruction for detecting a wireless device via a wireless link; and

at least one instruction for transmitting a merchant identification to the wireless device.

44. The point-of-sale terminal of claim 43, wherein the merchant identification comprises a merchant identification number, a merchant name, a merchant store number, or a combination thereof.

45. The point-of-sale terminal of claim 43, wherein the wireless link is a near field communication link.

46. The point-of-sale terminal of claim 43, wherein the computer-readable medium further comprises:

at least one instruction for receiving loyalty card information from the wireless device; and

at least one instruction for searching a loyalty card database using the loyalty card information.

47. The point-of-sale terminal of claim 46, wherein the computer-readable medium further comprises:

at least one instruction for determining whether a loyalty card is approved; and

at least one instruction for transmitting an approval acknowledgement or a disapproval acknowledgement.

48. The point-of-sale terminal of claim 47, wherein the computer-readable medium further comprises:

at least one instruction for receiving an electronic coupon from the wireless device;

at least one instruction for determining whether the electronic coupon is approved; and

at least one instruction for transmitting an approval acknowledgement or a disapproval acknowledgement.