Personal interface device and method

• US 6,676,017 B1
• Filed: 11/06/2002
• Issued: 01/13/2004
• Est. Priority Date: 11/06/2002
• Status: Active Grant

• Current Assignee: Emmitt J. Smith III
• Original Assignee: Emmitt J. Smith III
• Inventors: Smith, Emmitt J. III
• Primary Examiner(s): Lee, Michael G.
• Assistant Examiner(s): WALSH, DANIEL I
• Application Number:
  US10/289,066
• Time in Patent Office: 433 Days
• Field of Search: 235/379, 235/380, 235/382, 235/382.5, 705/72, 705/73, 705/74, 705/75, 705/1, 705/17, 705/18, 705/40, 705/41, 705/44, 705/411, 705/64, 705/55, 705/67
• US Class Current: 235/380
• 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 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G07C 9/23 by means of a password
• 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 7/12 Card verification
• CPC Class Codes: G07F 7/122 Online card verification
• CPC Class Codes: G07G 1/01 Details for indicating displaying information in general G09F, G09G
• CPC Class Codes: G07G 1/12 electronically operated digital data processing aspects G06Q20/00

Abstract

A personal device is provided. The personal device includes an identification verification system that receives first identification data from a physical identification device, such as by inserting a driver'"'"'s license into a card reader that is adapted to receive a driver'"'"'s license. Second identification data such as a PIN number is also received. Payment authorization data or other suitable data is generated if the driver'"'"'s license corresponds to the PIN. A payment selection system or other suitable system receives the payment authorization data and displays one or more payment accounts for selection by a user. Where a payment selection system is used, the payment selection system transmits payment account data to a point-of-sale system.

Claims

1. A system for controlling payment from a personal device comprising:

an identification verification system receiving first identification data from a physical identification device and second identification data and generating payment authorization data if the first identification data corresponds to the second identification data, the identification system further comprising;

a card reader system reading identification card data, wherein the identification card data is not associated with the one or more payment accounts;

a PIN number system generating a PIN number prompt and receiving PIN number data; and

a voice recognition system generating a voice recognition prompt and receiving voice data;

a payment selection system receiving the payment authorization data and displaying one or more

payment accounts for selection by a user, wherein the payment selection system Transmits payment account data to a point-of-sale system, the payment selection system further comprising;

a credit processing interface system providing credit card data to a credit card transaction processing system;

a debit processing interface system providing debit card to a debit card transaction processing system; and

an EFT processing interface system providing EFT data to an electronic funds transfer system;

a transaction processing system receiving payment account data after selection of one of the payment accounts; and

a point-of-sale system receiving the payment account data from the transaction processing system and providing transaction data to the transaction processing system.