PROXIMITY PURCHASE RINGTONES

• US 20100280940A1
• Filed: 05/01/2009
• Published: 11/04/2010
• Est. Priority Date: 05/01/2009
• Status: Active Grant

• Current Assignee: Qualcomm, Inc.
• Original Assignee: Qualcomm, Inc.
• Inventors: Roberts, John R.
• Granted Patent: US 8,224,375 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/201 Price look-up processing, e.g. updating
• 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 20/3278 RFID or NFC payments by means of 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

Abstract

A method of conduction transactions at a point-of-sale terminal using a wireless device is disclosed and may include initiating a transaction with the point-of-sale terminal via a wireless link, receiving at least one price from the point-of-sale terminal, determining whether the at least one price satisfies a price warning condition, and transmitting a first audible signal if the at least one price satisfies the price warning condition.

Claims

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

initiating a transaction with the point-of-sale terminal via a wireless link;

receiving at least one price from the point-of-sale terminal;

determining whether the at least one price satisfies a price warning condition; and

transmitting a first audible signal if the at least one price satisfies the price warning condition.

2. The method of claim 1, further comprising:

receiving at least one item description from the point-of-sale terminal;

determining a location of the transaction;

searching a database with the at least one price, the at least one item description, the location, or a combination thereof to determine at least one comparative price; and

comparing the at least one comparative price to the at least one price from the point-of-sale terminal to determine whether the at least one price satisfies the warning condition.

3. The method of claim 1, further comprising:

receiving a selection of at least one coupon;

determining whether the coupon is valid; and

transmitting a second audible signal to the user if the coupon is not valid.

4. The method of claim 3, further comprising:

transmitting the coupon to the point-of-sale terminal if the coupon is valid;

receiving a coupon acknowledgement from the point-of-sale terminal;

determining whether the coupon is accepted based on the coupon acknowledgement from the point-of-sale terminal; and

transmitting a third audible signal if the coupon is not accepted by the point-of-sale terminal.

5. The method of claim 4, further comprising:

transmitting a request for a total amount due to the point-of-sale terminal;

receiving a total amount due from the point-of-sale terminal;

determining whether the total amount due satisfies a total amount due warning condition; and

transmitting a fourth audible signal if the total amount due satisfies the total amount due warning condition.

6. The method of claim 5, further comprising:

receiving a payment selection;

determining whether the payment selection includes an audible signal associated therewith; and

transmitting a fifth audible signal if the payment selection includes an audible signal associated therewith.

7. The method of claim 6, further comprising:

determining whether the payment selection is a debit account or a credit account;

determining whether the debit account includes sufficient funds to pay for the transaction, if the payment selection is a debit account; and

transmitting a sixth audible signal if the debit account does not have sufficient funds to pay for the transaction.

8. The method of claim 7, further comprising:

determining whether a debit account balance satisfies a debit account warning condition; and

transmitting a seventh audible signal if the debit account balance satisfies the debit account warning condition.

9. The method of claim 7, further comprising:

determining whether the credit account includes sufficient credit to pay for the transaction, if the payment selection is a credit account; and

transmitting an eighth audible signal if the credit account does not have sufficient credit to pay for the transaction.

10. The method of claim 9, further comprising:

determining whether a credit account balance satisfies a credit account warning condition; and

transmitting a ninth audible signal if the credit account balance satisfies the credit account warning condition.

11. The method of claim 9, further comprising:

transmitting payment information to the point-of-sale terminal;

receiving a payment acknowledgement from the point-of-sale terminal;

determining whether payment is approved based on the payment acknowledgement from the point-of-sale terminal; and

transmitting a tenth audible signal if the payment is not approved.

12. The method of claim 11, further comprising:

requesting a receipt from the point-of-sale terminal, if payment is approved;

receiving the receipt from the point-of-sale terminal;

determining whether a final total satisfies a final total warning condition; and

transmitting an eleventh audible signal if the final total satisfies the final total warning condition.

13. A wireless device, comprising:

means for initiating a transaction with a point-of-sale terminal via a wireless link;

means for receiving at least one price from the point-of-sale terminal;

means for determining whether the at least one price satisfies a price warning condition; and

means for transmitting a first audible signal if the at least one price satisfies the price warning condition.

14. The wireless device of claim 13, further comprising:

means for receiving at least one item description from the point-of-sale terminal;

means for determining a location of the transaction;

means for searching a database with the at least one price, the at least one item description, the location, or a combination thereof in order to determine at least one comparative price; and

means for comparing the at least one comparative price to the at least one price from the point-of-sale terminal in order to determine whether the at least one price satisfies the warning condition.

15. The wireless device of claim 13, further comprising:

means for receiving a selection of at least one coupon;

means for determining whether the coupon is valid; and

means for transmitting a second audible signal to the user if the coupon is not valid.

16. The wireless device of claim 15, further comprising:

means for transmitting the coupon to the point-of-sale terminal if the coupon is valid;

means for receiving a coupon acknowledgement from the point-of-sale terminal;

means for determining whether the coupon is accepted based on the coupon acknowledgement from the point-of-sale terminal; and

means for transmitting a third audible signal to the user if the coupon is not accepted by the point-of-sale terminal.

17. The wireless device of claim 16, further comprising:

means for transmitting a request for a total amount due to the point-of-sale terminal;

means for receiving a total amount due from the point-of-sale terminal;

means for determining whether the total amount due satisfies a total amount due warning condition; and

means for transmitting a fourth audible signal to the user if the total amount due satisfies the total amount due warning condition.

18. The wireless device of claim 17, further comprising:

means for receiving a payment selection;

means for determining whether the payment selection includes an audible signal associated therewith; and

means for transmitting a fifth audible signal if the payment selection includes an audible signal associated therewith.

19. The wireless device of claim 18, further comprising:

means for determining whether the payment selection is a debit account or a credit account;

means for determining whether the debit account includes sufficient funds to pay for the transaction, if the payment selection is a debit account; and

means for transmitting a sixth audible signal to the user if the debit account does not have sufficient funds to pay for the transaction.

20. The wireless device of claim 19, further comprising:

means for determining whether a debit account balance satisfies a debit account warning condition; and

means for transmitting a seventh audible signal if the debit account balance satisfies the debit account warning condition.

21. The wireless device of claim 19, further comprising:

means for determining whether the credit account includes sufficient credit to pay for the transaction, if the payment selection is a credit account; and

means for transmitting an eighth audible signal if the credit account does not have sufficient credit to pay for the transaction.

22. The wireless device of claim 21, further comprising:

means for determining whether a credit account balance satisfies a credit account warning condition; and

means for transmitting a ninth audible signal if the credit account balance satisfies the credit account warning condition.

23. The wireless device of claim 21, further comprising:

means for transmitting payment information to the point-of-sale terminal;

means for receiving a payment acknowledgement from the point-of-sale terminal;

means for determining whether payment is approved based on the payment acknowledgement from the point-of-sale terminal; and

means for transmitting a tenth audible signal if the payment is not approved.

24. The wireless device of claim 23, further comprising:

means for requesting a receipt from the point-of-sale terminal, if payment is approved;

means for receiving the receipt from the point-of-sale terminal;

means for determining whether a final total satisfies a final total warning condition; and

means for transmitting an eleventh audible signal if the final total satisfies the final total warning condition.

25. A wireless device, comprising:

a processor operable to;

initiate a transaction with the point-of-sale terminal via a wireless link;

receive at least one price from the point-of-sale terminal;

determine whether the at least one price satisfies a price warning condition; and

transmit a first audible signal if the at least one price satisfies the price warning condition.

26. The wireless device of claim 25, wherein the processor is further operable to:

receive at least one item description from the point-of-sale terminal;

determine a location of the transaction;

search a database with the at least one price, the at least one item description, the location, or a combination thereof in order to determine at least one comparative price; and

compare the at least one comparative price to the at least one price from the point-of-sale terminal in order to determine whether the at least one price satisfies the warning condition.

27. The wireless device of claim 25, wherein the processor is further operable to:

receive a selection of at least one coupon;

determine whether the coupon is valid; and

transmit a second audible signal if the coupon is not valid.

28. The wireless device of claim 27, wherein the processor is further operable to:

transmit the coupon to the point-of-sale terminal if the coupon is valid;

receive a coupon acknowledgement from the point-of-sale terminal;

determine whether the coupon is accepted based on the coupon acknowledgement from the point-of-sale terminal; and

transmit a third audible signal if the coupon is not accepted by the point-of-sale terminal.

29. The wireless device of claim 28, wherein the processor is further operable to:

transmit a request for a total amount due to the point-of-sale terminal;

receive a total amount due from the point-of-sale terminal;

determine whether the total amount due satisfies a total amount due warning condition; and

transmit a fourth audible signal if the total amount due satisfies the total amount due warning condition.

30. The wireless device of claim 29, wherein the processor is further operable to:

receive a payment selection;

determine whether the payment selection includes an audible signal associated therewith; and

transmit a fifth audible signal if the payment selection includes an audible signal associated therewith.

31. The wireless device of claim 30, wherein the processor is further operable to:

determine whether the payment selection is a debit account or a credit account;

determine whether the debit account includes sufficient funds to pay for the transaction, if the payment selection is a debit account; and

transmit a sixth audible signal if the debit account does not have sufficient funds to pay for the transaction.

32. The wireless device of claim 31, wherein the processor is further operable to:

determine whether a debit account balance satisfies a debit account warning condition; and

transmit a seventh audible signal if the debit account balance satisfies the debit account warning condition.

33. The wireless device of claim 31, wherein the processor is further operable to:

determine whether the credit account includes sufficient credit to pay for the transaction, if the payment selection is a credit account; and

transmit an eighth audible signal to the user if the credit account does not have sufficient credit to pay for the transaction.

34. The wireless device of claim 33, wherein the processor is further operable to:

determine whether a credit account balance satisfies a credit account warning condition; and

transmit a ninth audible signal if the credit account balance satisfies the credit account warning condition.

35. The wireless device of claim 33, wherein the processor is further operable to:

transmit payment information to the point-of-sale terminal;

receive a payment acknowledgement from the point-of-sale terminal;

determine whether payment is approved based on the payment acknowledgement from the point-of-sale terminal; and

transmit a tenth audible signal if the payment is not approved.

36. The wireless device of claim 35, wherein the processor is further operable to:

request a receipt from the point-of-sale terminal, if payment is approved;

receive the receipt from the point-of-sale terminal;

determine whether a final total satisfies a final total warning condition; and

transmit an eleventh audible signal if the final total satisfies the final total warning condition.

37. A computer program product, comprising:

a computer-readable medium, comprising;

at least one instruction for initiating a transaction with a point-of-sale terminal via a wireless link;

at least one instruction for receiving at least one price from the point-of-sale terminal;

at least one instruction for determining whether the at least one price satisfies a price warning condition; and

at least one instruction for transmitting a first audible signal if the at least one price satisfies the price warning condition.

38. The computer program product of claim 37, wherein the computer-readable medium further comprises:

at least one instruction for receiving at least one item description from the point-of-sale terminal;

at least one instruction for determining a location of the transaction;

at least one instruction for searching a database with the at least one price, the at least one item description, the location, or a combination thereof in order to determine at least one comparative price; and

at least one instruction for comparing the at least one comparative price to the at least one price from the point-of-sale terminal in order to determine whether the at least one price satisfies the warning condition.

39. The computer program product of claim 37, wherein the computer-readable medium further comprises:

at least one instruction for receiving a selection of at least one coupon;

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

at least one instruction for transmitting a second audible signal if the coupon is not valid.

40. The computer program product of claim 39, wherein the computer-readable medium further comprises:

at least one instruction for transmitting the coupon to the point-of-sale terminal when the coupon is valid;

at least one instruction for receiving a coupon acknowledgement from the point-of-sale terminal;

at least one instruction for determining whether the coupon is accepted based on the coupon acknowledgement from the point-of-sale terminal; and

at least one instruction for transmitting a third audible signal if the coupon is not accepted by the point-of-sale terminal.

41. The computer program product of claim 40, wherein the computer-readable medium further comprises:

at least one instruction for transmitting a request for a total amount due to the point-of-sale terminal;

at least one instruction for receiving a total amount due from the point-of-sale terminal;

at least one instruction for determining whether the total amount due satisfies a total amount due warning condition; and

at least one instruction for transmitting a fourth audible signal if the total amount due satisfies the total amount due warning condition.

42. The computer program product of claim 41, wherein the computer-readable medium further comprises:

at least one instruction for receiving a payment selection;

at least one instruction for determining whether the payment selection includes an audible signal associated therewith; and

at least one instruction for transmitting a fifth audible signal if the payment selection includes an audible signal associated therewith.

43. The computer program product of claim 42, wherein the computer-readable medium further comprises:

at least one instruction for determining whether the payment selection is a debit account or a credit account;

at least one instruction for determining whether the debit account includes sufficient funds to pay for the transaction, if the payment selection is a debit account; and

at least one instruction for transmitting a sixth audible signal if the debit account does not have sufficient funds to pay for the transaction.

44. The computer program product of claim 43, wherein the computer-readable medium further comprises:

at least one instruction for determining whether a debit account balance satisfies a debit account warning condition; and

at least one instruction for transmitting a seventh audible signal if the debit account balance satisfies the debit account warning condition.

45. The computer program product of claim 43, wherein the computer-readable medium further comprises:

at least one instruction for determining whether the credit account includes sufficient credit to pay for the transaction, when the payment selection is a credit account; and

at least one instruction for transmitting an eighth audible signal if the credit account does not have sufficient credit to pay for the transaction.

46. The computer program product of claim 45, wherein the computer-readable medium further comprises:

at least one instruction for determining whether a credit account balance satisfies a credit account warning condition; and

at least one instruction for transmitting a ninth audible signal if the credit account balance satisfies the credit account warning condition.

47. The computer program product of claim 45, wherein the computer-readable medium further comprises:

at least one instruction for transmitting payment information to the point-of-sale terminal;

at least one instruction for receiving a payment acknowledgement from the point-of-sale terminal;

at least one instruction for determining whether payment is approved based on the payment acknowledgement from the point-of-sale terminal; and

at least one instruction for transmitting a tenth audible signal if the payment is not approved.

48. The computer program product of claim 47, wherein the computer-readable medium further comprises:

at least one instruction for requesting a receipt from the point-of-sale terminal, if payment is approved;

at least one instruction for receiving the receipt from the point-of-sale terminal;

at least one instruction for determining whether a final total satisfies a final total warning condition; and

at least one instruction for transmitting an eleventh audible signal if the final total satisfies the final total warning condition.