Wallet Consolidator to Facilitate a Transaction

• US 20120303471A1
• Filed: 08/10/2012
• Published: 11/29/2012
• Est. Priority Date: 05/29/1998
• Status: Abandoned Application

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: E-Micro Corporation
• Inventors: Gangi, Frank
• Application Number:
  US13/572,236
• Publication Number:
  US 20120303471A1
• Time in Patent Office: Days
• US Class Current: 705/16
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/208 Input by product or record sensing, e.g. weighing or scanner processing
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3574 Multiple applications on card
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/383 Anonymous user system
• 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
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0253 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G07F 7/08 : by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0886 : the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/0893 : the card reader reading the card in a contactless manner
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/12 : Card verification

Abstract

A wallet consolidator to warehouse information pertaining to at least one card and to retrieve the warehoused information to facilitate a transaction is provided. An embodiment of a Wallet consolidator can include a housing, one or more input devices positioned to receive information, and a memory device positioned to store at least a portion of the information received by the one or more input devices. The wallet consolidator can also include a radio frequency wireless communication interface associated with the housing and adapted to communicate with a point-of-sale terminal thereby to provide at least a portion of the Information stored in the memory device to the point-of-sale terminal, a display screen, and a controller positioned within the housing in communication with and to control each of the one or more input devices, the memory device, the radio frequency wireless communication interface, and the display screen.

Claims

1. A wireless telephone comprising:

a housing;

a display device supported by the housing;

a wireless telecommunication interface located within the housing and configured to communicate over a wireless telecommunication network with a remote database and to receive therefrom coupon information;

a memory located within the housing and configured to store;

the coupon information,

identification information relating to a user of the wireless telephone, and

electronic commerce information relating to at least one of a credit card, a debit card, and an identification card,

a controller located within the housing and configured to display the coupon information on the display device; and

an interface located within the housing and configured to transmit to a point-of-sale terminal at least one of;

the coupon information,

the identification information, and

the electronic commerce information.

2. The wireless telephone of claim 1, wherein the wireless telecommunication interface is configured to communicate over a wireless telecommunication network with a remote database and to receive therefrom at least one of the identification information and the electronic commerce information.

3. The wireless telephone of claim 1, further comprising an alphanumeric keypad supported by the housing.

4. The wireless telephone of claim 3, wherein the display device is touch sensitive and wherein alphanumeric keypad comprises an alphanumeric keypad displayed on the touch sensitive display device.

5. The wireless telephone of claim 1, wherein the displayed coupon information is a bar code associated with coupon information.

6. The wireless telephone of claim 1, further comprising:

an optical device capable of reading a bar code and supported by the housing.

7. The wireless telephone of claim 1, wherein the memory is selected from the group consisting essentially of semiconductor memory, a smart card, flash, RAM, magnetic memory, optical memory, and combinations thereof.

8. A communications device comprising:

means for receiving electronic commerce information;

means for receiving user identification information;

means for receiving coupon information;

means for storing the electronic commerce information;

means for storing the user identification information;

means for storing the coupon information;

means for transmitting the electronic commerce information to a point-of-sale terminal;

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

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

means for displaying at least one of the electronic commerce information, the user identification information, and the coupon information to a user; and

means for selecting at least one of the electronic commerce information, the user identification information, and the coupon information for transmission to the point-of-sale terminal.

9. The communication device of claim 8, further comprising:

means for transmitting to a remote database information relating to a point-of-sale transaction consummated using the communication device.

10. The communication device of claim 8, wherein the means for receiving coupon information, the means for receiving electronic commerce information, and the means for receiving user identification information, respectively, comprises an element selected from the group consisting of a scanner, an image digitizer, a wireless telecommunication interface, a bar code reader, a magnetic stripe reader and an optical device.