INTEGRATED SYSTEM AND METHOD FOR ENABLING MOBILE COMMERCE TRANSACTIONS USING ACTIVE POSTERS AND CONTACTLESS IDENTITY MODULES

• US 20110202417A1
• Filed: 10/07/2010
• Published: 08/18/2011
• Est. Priority Date: 02/15/2010
• Status: Active Grant

• Current Assignee: Xius Corp. (Megasoft Limited)
• Original Assignee: Cellular Express, Inc.
• Inventors: Bresnahan, Kevin, Chaudhary, Parveen Kumar, DeWakar, Sunny Ramaswamy, Narkhede, Kishor Dynandeo
• Granted Patent: US 9,349,124 B2
• Time in Patent Office: Days
• US Class Current: 705/21
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• 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 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

A method, integrated system and Active Poster for processing mobile touch transactions. The integration consists of an RFID or other near field communication enabled device which may be standalone, affixed to, or part of a mobile or hand held portable wireless communication device (optionally using a Contact Less (CL) SIM with near field communication capability), a touch sensitive Active Poster also with near field communication capability, an issuer'"'"'s or mobile network provider'"'"'s system and application and a host computer with networking capability.

Claims

1. A integrated system for facilitating a mobile touch transaction useful in making payment for services by a user or a transaction involving the purchase of goods or services by a user comprises:

a near field communication enabled wireless handheld communication device including a device identifier and able to transmit such identifier via said near field communication capability;

a touch sensitive point of sale device consisting of an active poster device with enabled near field communication, said active poster device also being in communication over a network or other communication means with a host computer;

a host computer with networking ability, in communication with said active poster over a network or other communication means, and said host computer also in communication with a service provider'"'"'s system over a network;

a service provider'"'"'s system in communication with said host computer over a network;

wherein the near field communication capability resident on said handheld communication device is able to communicate with the near field communication capability resident on said active poster, when said handheld communication devices is brought into proximity with said active poster,

and wherein a touch sensitive interface of said Active Poster is able to be utilized by said user, said communication and said utilization able to request the completion of said mobile commerce transaction as follows;

the near field communication capability resident on said active poster is able to execute said communication action with said handheld communication device in response to a near field communication signal detection from said handheld communication device, due to proximity of said user'"'"'s handheld communication device near a specific location on said active poster;

wherein said host computer receives a transaction signal from said active poster, which includes at least said near field communication enabled handheld communication device identifier, and information sufficient to identify a selected transaction selected by said user using said touch sensitive interface on said active poster,

and wherein said host computer is able to identify said user and said selected available transaction, including being able to identify said user as being an authorized user of said service provider'"'"'s services, either by records within said host computer system or via communications with said service provider'"'"'s system over a network,

and wherein said host computer communicates with said service provider'"'"'s system requesting that said service provider'"'"'s system complete said requested mobile commerce transaction.

2. The system of claim 1 where payment is made using cash, credit card or other payment vehicle presented at the location where the user is entering into the transaction.

3. The system of claim 1 where payment is applied against the stored value of the user'"'"'s prepaid account with the service provider.

4. The system of claim 1 where payment is applied against the outstanding balance of the user'"'"'s postpaid account with the service provider.

5. The system of claim 1 where said handheld near field communication device is an RFID tag or other RFID enabled device.

6. The system of claim 1 where said handheld near field communication device is a wireless handheld communication device including a contactless SIM, including an RF antenna coupled to the contactless SIM controller resident on said contactless SIM.

7. The system of claim 1 where the near field communication capability includes secure NFC capability designed to discourage or prevent cloning.

8. The system of claim 1 where the service provider is a mobile network operator.

9. A method of enabling a commerce transaction useful in making payment for an opted service by a user or in facilitating a user'"'"'s purchase of goods or services comprises:

a near field communication enabled wireless handheld communication device able to transmit a device identifier using near field communication capability,

a touch sensitive point of sale device consisting of an active poster device with enabled near field communication capability;

a host computer with networking ability, said host computer able to be in communication with said active poster over a network of other communication means, said host computer being in communication with a service provider'"'"'s system over a network,

and said host computer having a correspondence between said device identifier and said user'"'"'s account with said service provider, or being able to verify said correspondence by communication with said service provider'"'"'s system,

wherein the method includes using the near field communication capability said handheld communication device and the touch interface of the active poster to request said commerce transaction as follows;

said near field communication capability on said active poster responds to detection of the proximity of said near field communication capability enabled handheld device to the active poster,

said active poster receives said device identifier from said handheld device via near field communication means,

said user manually selects an available commerce transaction by pressing a button or otherwise engaging said touch sensitive capability on said active poster;

where said handheld device, provides, via said near field communication capability, to said active poster, at least the device identifier of said handheld device,

and where said active poster provides information sufficient to identify said selected commerce transaction and said device identifier, to said host computer,

and where said host computer receives said information, identifies said user account with said service provider, either from records stored on said host computer system or via communication with said service provider'"'"'s system, and communicates with said service provider'"'"'s system in order to request the completion of the selected commerce transaction.

10. The method of claim 9 where payment is made using cash, credit card or other payment vehicle presented at the location where the user is entering into the transaction.

11. The method of claim 9 where payment is applied against the stored value of the user'"'"'s prepaid account with the service provider.

12. The method of claim 9 where payment is applied against the outstanding balance of the user'"'"'s postpaid account with the service provider.

13. The method of claim 9 where said handheld near field communication device is an RFID tag or other RFID enabled device.

14. The method of claim 9 where said handheld near field communication device is a wireless handheld communication device including a contactless SIM, including an RF antenna coupled to the contactless SIM controller resident on said contactless SIM.

15. The method of claim 9 where the near field communication capability includes secure NFC capability designed to discourage or prevent cloning.

16. The method of claim 9 where the service provider is a mobile network operator.

17. An interactive, smart information display active poster employed for proximity sensing means in order to respond in a specific manner to the action of the user, and facilitating mobile commerce transaction comprises:

a short range high frequency wireless communication NFC reader;

a micro-controller for getting a device identifier from the NFC reader over a link and the key input from the user through a touch panel;

a touch panel;

a storage means;

a buzzer,

signaling device;

a power supply;

said active poster connected to a network through a computer;

said active poster capable of selecting and sending a communication, based on the content of the selected touched area of the active poster to a backend server;

characterized in that the active poster includes digital computing means capable of receiving a poster-specific overlay of instructions and data into a storage means and then capable of immediately responding in accordance with a predetermined set of instructions in combination with the poster-specific overlay of instructions to the proximity of an NFC signal generating device to a localized and identified part of the poster, such predetermined instructions including at least one of activation of one or more lights, activation of replay means including replay of stored speech, replay of stored music, replay of stored fixed or moving images from a stored library, or dispensing of printed material, any of the foregoing so that a user of said active poster can interact with the poster and gain more information from the poster than is available from an un-activated poster.