SYSTEMS AND DEVICES FOR MOBILE PAYMENT ACCEPTANCE

• US 20120290472A1
• Filed: 05/10/2012
• Published: 11/15/2012
• Est. Priority Date: 05/10/2011
• Status: Active Application

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: MULLEN, Jeffrey D., RIGATTI, Christopher J., WALLACE, Michael T.
• Application Number:
  US13/468,462
• Publication Number:
  US 20120290472A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 10/00 Administration; Management
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A mobile device may provide payment acceptance for purchases, payments and/or money transfers by accepting payment information from a powered, or a non-powered, card using a contactless communication channel formed between the card and the mobile device. The payment information may be communicated by the mobile device to network entities that may be used to settle such purchase, payment and/or money transfer transactions. The mobile device may, for example, accept more than one payment account to split a purchase among several payment accounts. A user of a mobile device may, for example, store payment information within the mobile device for future purchases. A user of a mobile device may, for example, request checkout options using the mobile device, such as customizing receipt delivery, annotating receipts with comments and categorizing purchases for customized accounting reports.

Claims

1. A method, comprising:

accessing a network using a mobile device;

selecting an object for purchase from said network using said mobile device;

communicating payment information from a payment card to said mobile device using a contactless communication channel; and

communicating said payment information from said mobile device to said network to complete a purchase transaction for said object.

3. The method of claim 1, wherein said mobile device is a laptop computer.

4. The method of claim 1, wherein said mobile device is a PDA.

5. The method of claim 1, wherein said mobile device is a phone.

6. The method of claim 1, wherein said contactless communication channel is an RFID communication channel.

7. The method of claim 1, wherein said mobile device and said payment card are brought within a proximity distance of up to two inches to establish said contactless communication channel.

8. The method of claim 1, wherein said payment card is a powered card.

9. The method of claim 1, wherein said payment card is a non-powered card.

10. The method of claim 1, wherein said payment card simulates a series of touches to a display of said mobile device to establish at least a portion of said contactless communication channel.

11. The method of claim 1, wherein said mobile device communicates an optical data stream to said payment card to establish at least a portion of said contactless communication channel.

2. A method, comprising:

communicating source account information to a first mobile device using a first contactless communication channel;

communicating target account information to a second mobile device using a second contactless communication channel;

communicating said target account information from said second mobile device to said first mobile device; and

coordinating a money transfer from said source account into said target account using said first mobile device.

12. The method of claim 2, wherein a powered card communicates said target account information.

13. The method of claim 2, wherein a non-powered card communicates said target account information.

14. The method of claim 2, wherein a powered card communicates said source account information.

15. The method of claim 2, wherein a non-powered card communicates said source account information.

16. The method of claim 2, wherein said first mobile device is a laptop computer.

17. The method of claim 2, wherein said first mobile device is a PDA.

18. The method of claim 2, wherein said first mobile device is a phone.

19. The method of claim 2, wherein said second mobile device is a laptop computer.

20. The method of claim 2, wherein said second mobile device is a PDA.

21. The method of claim 2, wherein said second mobile device is a phone.