SYSTEM AND METHOD OF SELECTING A VIRTUAL CARD APPLICATION
First Claim
1. A system to select an application, comprising:
- a Radio Frequency (RF) reader; and
an apparatus to select at least one application, wherein the apparatus includes;
a receiver to receive a message including an identification key from the Radio Frequency (RF) reader;
a processor to receive the identification key from the receiver, to select for communication with the RF reader an application having a matching identification key, and to establish communication between the RF reader and the application having the matching identification key; and
a transmitter to transmit a response of the selected application to the RF reader.
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0 Petitions
Accused Products
Abstract
A novel system and methodology for conducting financial and other transactions using a wireless device. Credentials may be selectively issued by issuers such as credit card companies, banks, and merchants to consumers permitting the specific consumer to conduct a transaction according to the authorization given as reflected by the credential or set of credentials. The preferred mechanism for controlling and distributing credentials according to the present invention is through one or more publicly accessible networks such as the Internet wherein the system design and operating characteristics are in conformance with the standards and other specific requirements of the chosen network or set of networks. Credentials are ultimately supplied to a handheld device such as a mobile telephone via a wireless network. The user holding the credential may then use the handheld device to conduct the authorized transaction or set of transactions via, for example, a short range wireless link with a point-of-sale terminal.
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Citations
67 Claims
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1. A system to select an application, comprising:
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a Radio Frequency (RF) reader; and an apparatus to select at least one application, wherein the apparatus includes; a receiver to receive a message including an identification key from the Radio Frequency (RF) reader; a processor to receive the identification key from the receiver, to select for communication with the RF reader an application having a matching identification key, and to establish communication between the RF reader and the application having the matching identification key; and a transmitter to transmit a response of the selected application to the RF reader. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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25. An apparatus to select an application, comprising:
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a receiver to receive a message including an identification key from a Radio Frequency (RF) reader; a processor to receive the identification key from the receiver, to select for communication with the RF reader an application having a matching identification key, and to establish communication between the RF reader and the application having the matching identification key; and a transmitter to transmit a response of the selected application to the RF reader. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47)
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48. A method of selecting an application, the method comprising:
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receiving a message including an identification key from a Radio Frequency (RF) reader that communicates with an apparatus; according to the received identification key, selecting for communication with the RF reader an application having a matching identification key, and establishing communication between the RF reader and the application having the matching identification key; and transmitting a response of the selected application to the RF reader. - View Dependent Claims (49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67)
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Specification