CONTACTLESS WIRELESS TRANSACTION PROCESSING SYSTEM
First Claim
1. A wireless transaction processing system, comprising:
- a seller that is a member of the wireless transaction processing system, and is associated with a data that has a machine-readable representation;
a buyer that is a member of the wireless transaction processing system, with the buyer having at least an Internet enabled device that can access the wireless transaction processing system;
the wireless transaction processing system, through the Internet enabled device of the buyer;
identifies the buyer and generates a buyer ID;
identifies a physical location of the buyer, and generates a buyer location information;
receives the machine-readable representation of the data;
displays the received data by the Internet enabled device of the buyer; and
wirelessly transmits the buyer ID, the buyer location information, and received data for verification and approval of transaction between buyer and seller.
1 Assignment
0 Petitions
Accused Products
Abstract
A wireless transaction processing system, comprising a member seller associated with a data that has a machine-readable representation, and a member buyer having at least an Internet enabled device that can access the wireless transaction processing system. The wireless transaction processing system, through the Internet enabled device of the buyer identifies the buyer, including buyer physical location, receives the machine-readable representation of the data, and displays the received data by the Internet enabled device of the buyer. The wireless transaction processing system wirelessly transmits the buyer information (including buyer location information) and received data for verification and approval of transaction between buyer and seller without exchange of confidential information between a buyer and a seller, and without requiring seller specialty equipment.
236 Citations
20 Claims
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1. A wireless transaction processing system, comprising:
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a seller that is a member of the wireless transaction processing system, and is associated with a data that has a machine-readable representation; a buyer that is a member of the wireless transaction processing system, with the buyer having at least an Internet enabled device that can access the wireless transaction processing system; the wireless transaction processing system, through the Internet enabled device of the buyer; identifies the buyer and generates a buyer ID; identifies a physical location of the buyer, and generates a buyer location information; receives the machine-readable representation of the data; displays the received data by the Internet enabled device of the buyer; and wirelessly transmits the buyer ID, the buyer location information, and received data for verification and approval of transaction between buyer and seller. - View Dependent Claims (2, 3, 4, 5, 8, 9, 10, 13, 14)
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6. A purchasing system, comprising:
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an Internet enabled handheld device that includes a wireless transaction processing system; the handheld device captures an image of a machine-readable representation of a data associated with a seller and a desired goods and services of the seller, and generates a data-image; wireless transaction processing system processes the data-image and displays seller information on the Internet enabled handheld device for confirmation and transmission to a third entity; the third entity verifies the Internet enabled handheld device and data-image, and upon validation, provides authorization of transaction and actual payment for the desired goods and services.
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7. A purchasing system, comprising:
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a consumer that has an Internet enabled handheld device, and is a member of a wireless transaction processing system; a vendor that is a member of the wireless transaction processing system, with the vendor, and goods and services of the vendor associated with one or more data with machine-readable representations; the consumer selects the desired goods and services of the vendor for purchase, and accesses the wireless transaction processing system by the handheld device through an access protocol; the wireless transaction processing system is provided with the consumer identification information, consumer-ID, which also includes consumer physical location; the consumer selects desired account from which the consumer is to provide disbursement for the purchase of the desired goods and services of the vendor, and initiates disbursement protocols; the disbursement protocols further provides the handheld device a selection of various interaction protocols, including purchase, a direct fund transfer, and bill-payment; the consumer handheld device through a selection of the purchase module captures an image of the machine-readable representation of the data associated with the vendor and the desired goods and services of interest to consumer, and decrypts the data from the image, and displays the data; the data is processed by the purchase protocol, which displays vendor identification (vendor-ID) to validate the vendor; the consumer confirms vendor-ID and purchase amount, and transmits data to a third entity; the third entity verifies the consumer-ID and data, and upon validation, provides authorization of transaction and actual payment for the desired goods and services.
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11. A wireless transaction processing system, comprising:
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a first entity member that includes at least a first Internet enabled device, which requests funds from a second entity; the second entity member includes at least a second Internet enabled device that is capable of; identifying the second entity member and generating a second-entity ID; identifying the first entity member and generating a first-entity ID; identifying a transaction associated with the requested funds and generating a transaction data; and wirelessly transmitting the second-entity ID, the first-entity ID, and transaction data to a third entity; the third entity verifies the second-entity ID, the first-entity ID, and the transaction data, and upon validation, credits funds to the first entity member for immediate, instantaneous expenditure of credited funds by the first entity member using the first Internet enabled device for use in any purchasing environment, including use of credited funds with a physical existing vendor.
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12. A direct fund transfer system, comprising:
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a first user that has an Internet enabled handheld device, and is a member of a wireless transaction processing system, which requests funds from a second user; the second user has an Internet enabled handheld device, and is a member of a wireless transaction processing system; the second user accesses the wireless transaction processing system by the handheld device through an access protocol; the access protocol provides the wireless transaction processing system with the second user identification information, second-user-ID, which also includes a physical location of the second user; through the access protocol, the second user selects desired account from which the second user is to provide a disbursement for the transfer of funds to the first user, and initiates disbursement protocols; the disbursement protocols further provides the handheld device a selection of various interaction protocols, including purchase protocols, a direct fund transfer protocols, and bill-payment protocols; the second user handheld device through a selection of the direct fund transfer protocols provides first user information and amount of transfer of funds; the second user confirms and transmits first user information and the transfer amount to a third entity; the third entity verifies the first user information and transfer amount, and upon validation, provides authorization of transaction and actual transfer of funds.
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15. A method for wireless transaction processing system for purchasing, comprising:
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accessing a wireless transaction processing system mobile application; transmitting identification information of a mobile Internet device and user to a wireless transaction processing system platform for verification; using the wireless transaction processing system mobile application; initiating disbursement protocols; selecting purchase protocol; receiving data associated with a seller and goods and services of the seller; displaying information related to the data using the wireless transaction processing system mobile application; confirming the displayed information; transmitting data and user information to wireless transaction processing system platform for seller verification; if seller and user location is equivalent, commencing validation and authorization of transaction;
otherwise, terminating wireless transaction processing system.
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16. A method for wireless transaction processing system for direct transfer of funds, comprising:
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accessing a wireless transaction processing system mobile application; transmitting identification information of a mobile Internet device and payer to a wireless transaction processing system platform for verification; using the wireless transaction processing system mobile application; initiating disbursement protocols; selecting direct transfer protocol; entering payee information; confirming the payee information; transmitting payee and payer information to wireless transaction processing system platform for payer and payee verification; crediting payee wireless transaction processing system account for immediate use in any purchasing environment, including use of credited funds with a physical existing seller; debiting payer wireless transaction processing system account; and displaying results in payer and payee mobile Internet device.
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17. A computer program product for wireless transaction processing system for purchasing, the computer program product comprising a computer-readable medium having computer program instructions stored therein for causing a computer to perform operations of:
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accessing a wireless transaction processing system mobile application; transmitting identification information of a mobile Internet device and user to a wireless transaction processing system platform for verification; using the wireless transaction processing system mobile application; initiating disbursement protocols; selecting purchase protocol; receiving data associated with a seller and goods and services of the seller; displaying information related to the data using the wireless transaction processing system mobile application; confirming the displayed information; transmitting data and user information to wireless transaction processing system platform for seller verification; if seller and user location is equivalent, commencing validation and authorization of transaction;
otherwise, terminating wireless transaction processing system.
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18. A computer program product for wireless transaction processing system for direct transfer of funds, the computer program product comprising a computer-readable medium having computer program instructions stored therein for causing a computer to perform operations of:
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accessing a wireless transaction processing system mobile application; transmitting identification information of a mobile Internet device and payer to a wireless transaction processing system platform for verification; using the wireless transaction processing system mobile application; initiating disbursement protocols; selecting direct transfer protocol; entering payee information; confirming the payee information; transmitting payee and payer information to wireless transaction processing system platform for payer and payee verification; crediting payee wireless transaction processing system account for immediate use in any purchasing environment, including use of credited funds with a physical existing seller; debiting payer wireless transaction processing system account; and displaying results in payer and payee mobile Internet device.
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19. An apparatus, comprising:
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a display, input device, processing apparatus, network interface, said processing apparatus programmed for accessing a wireless transaction processing system mobile application; transmitting identification information of a mobile Internet device and user to a wireless transaction processing system platform for verification; using the wireless transaction processing system mobile application; initiating disbursement protocols; selecting purchase protocol; receiving data associated with a seller and goods and services of the seller; displaying information related to the data using the wireless transaction processing system mobile application; confirming the displayed information; transmitting data and user information to wireless transaction processing system platform for seller verification; if seller and user location is equivalent, commencing validation and authorization of transaction;
otherwise, terminating wireless transaction processing system.
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20. A purchasing system, comprising:
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an Internet enabled handheld device that includes a wireless transaction processing system; the handheld device receives wireless transmission of a machine-readable representation of a data associated with a vendor and a desired goods and services of the vendor; wireless transaction processing system processes the transmitted data and displays vendor information on the Internet enabled handheld device for confirmation and transmission to a third entity; the third entity verifies the Internet enabled handheld device and transmitted data, and upon validation, provides authorization of transaction and actual payment for the desired goods and services.
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Specification