MOBILE WIRELESS COMMUNICATIONS DEVICE FOR SELECTING A PAYMENT ACCOUNT TO USE WITH A PAYMENT PROCESSING SYSTEM BASED UPON A MICROPHONE OR DEVICE PROFILE AND ASSOCIATED METHODS
First Claim
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1. A mobile wireless communications device comprising:
- a near field communications (NFC) device;
a microphone;
a memory configured to store access information for each of a plurality of payment accounts; and
a processor cooperating with said NFC device, said microphone, and said memory, the processor being configured tocapture a sound using said microphone,determine a given payment account from among the plurality thereof based upon the sound, andsend the corresponding access information for the given payment account to a transaction terminal via said NFC device.
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Accused Products
Abstract
A mobile wireless communications device may include a near field communications (NFC) device, a microphone, a memory configured to store access information for each of a plurality of payment accounts, and a processor cooperating with the NFC device, the microphone, and the memory. The processor may be configured to capture a sound using the microphone, determine a given payment account from among the plurality thereof based upon the sound, and send the corresponding access information for the given payment account to a transaction terminal via the NFC device.
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Citations
26 Claims
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1. A mobile wireless communications device comprising:
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a near field communications (NFC) device; a microphone; a memory configured to store access information for each of a plurality of payment accounts; and a processor cooperating with said NFC device, said microphone, and said memory, the processor being configured to capture a sound using said microphone, determine a given payment account from among the plurality thereof based upon the sound, and send the corresponding access information for the given payment account to a transaction terminal via said NFC device. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method on a mobile wireless communications device, the method comprising:
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storing access information for each of a plurality of payment accounts in a memory of the mobile wireless communications device; capturing a sound using a microphone of the mobile wireless communications device; determining a given payment account from among the plurality thereof that is associated with the captured sound, using a processor of the mobile wireless communications device; and sending the corresponding access information for the given payment account to a transaction terminal via a near field communications (NFC) device of the mobile wireless communications device. - View Dependent Claims (9, 10, 11, 12)
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13. A mobile wireless communications device comprising:
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a near field communications (NFC) device; a memory configured to store access information for each of a plurality of payment accounts; and a processor cooperating with said NFC device and said memory, the processor being configured to operate the mobile wireless communications device according to a given device profile from among a plurality of different device profiles, determine a given payment account from among the plurality thereof based upon the given device profile, and send the corresponding access information for the given payment account to a transaction terminal via said NFC device. - View Dependent Claims (14, 15, 16, 17, 18, 19, 21, 22, 23, 24, 25, 26)
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20. A method on a mobile wireless communications device, the method comprising:
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storing access information for each of a plurality of payment accounts in a memory of the mobile wireless communications device; operating the mobile wireless communications device according to a given profile from among a plurality of profiles, using a processor of the mobile wireless communications device; determining a given payment account from among the plurality thereof that is associated with the given profile, using the processor of the mobile wireless communications device; and sending the corresponding access information for the given payment account to a transaction terminal via a near field communications (NFC) device of the mobile wireless communications device.
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Specification