System and method for wireless transactions

• US 7,363,054 B2
• Filed: 02/17/2006
• Issued: 04/22/2008
• Est. Priority Date: 02/22/2002
• Status: Expired due to Term

• Current Assignee: Block, Inc. (f/k/a Square, Inc.), Virtual Fonlink, Inc., Virtual Fonunk, Inc.
• Original Assignee: Virtual Fonlink, Inc.
• Inventors: Vrotsos, Demetrios, Elias, Georges F.
• Primary Examiner(s): Tran, Tuan A.
• Application Number:
  US11/356,496
• Publication Number:
  US 20060142058A1
• Time in Patent Office: 795 Days
• Field of Search: 455/550.1, 455/552.1, 455/553.1, 4555561-5562, 455557-558, 455 901- 903, 455/11.1, 455418-420, 4554141-4144, 455/445, 455347-349, 455/575.1, 705 42- 43, 705/14, 705/35, 235379-382, 23546243-46249, 23547201-47202
• US Class Current: 455/556.1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from 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: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04M 1/72409 by interfacing with external accessories hands-free H04M1/60
• CPC Class Codes: H04M 1/72412 using two-way short-range wireless interfaces
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 15/8242 Transaction based
• CPC Class Codes: H04M 15/854 Available credit
• CPC Class Codes: H04M 2215/0196 Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
• CPC Class Codes: H04M 2215/7846 Transaction based
• CPC Class Codes: H04M 2215/8166 Available credit
• CPC Class Codes: H04M 2250/14 including a card reading device

Abstract

Embodiments of the present invention are directed to an attachment that may be coupled to a wireless communication device, such as a cellular telephone, personal digital assistant (PDA), or the like to perform commercial or other information transactions, as well as to an apparatus, system and method for conducting such transactions. The wireless communication device generally includes an antenna that may be directly accessed by a processor in the attachment for transmission of data to a remote computer over a communication network. The attachment may also include an input device, such as a magnetic stripe reader, smartcard reader, barcode scanner, optical scanner, fingerprint scanner, proximity detector, or the like. When input is received at the input device, the input information may be sent to the attachment processor for processing and transmission to the remote computer via the antenna. The remote computer may process the received attachment-processed data and generate a response to send to the device processor.

Claims

1. A wireless communication apparatus for transmitting information to and receiving information from a remote computer over a communication network, said wireless communication apparatus comprising:

a wireless communication device having an antenna, a device processor, an outer device casing, a communication port, and an output device; and

an attachment having an attachment processor, a first input device, a connector, and an outer attachment casing, said attachment being removably coupled to said wireless communication device, wherein

said connector mates with said communication port when said attachment is coupled to said wireless communication device,

said attachment processor is configured to communicate signals to said antenna, and a first application being executed by said device processor of the wireless communication device is suspended while a second application is executed by said attachment processor.

2. The apparatus according to claim 1, wherein said wireless communication device is one of a wireless telephone, a personal digital assistant, or a computer.

3. The apparatus according to claim 1, wherein said first input device is one of a magnetic strip reader, a smartcard reader, an optical scanner, a fingerprint scanner, a signature pad, or a proximity detector.

4. The apparatus according to claim 3, wherein said first input device is a magnetic stripe reader, said magnetic stripe reader having a slot and a reader head, said slot extending from a first opening in said outer casing of said attachment to a second opening in said outer casing of said attachment, and wherein said reader head forms a portion of a side wall of said slot.

5. The apparatus according to claim 4, wherein said slot is substantially parallel to a bottom surface of said outer casing of said wireless communication device.

6. The apparatus according to claim 4, wherein said slot is substantially parallel to a side surface of said outer casing of said wireless communication device.

7. The apparatus according to claim 4, further including a second input device, wherein said first input device is a magnetic stripe reader and said second input device is a smartcard reader, and further wherein said slot includes a shallow channel portion through which a portion of a card bearing a magnetic stripe may be swiped and a deeper channel portion of sufficient depth to permit a card bearing a smartchip to be inserted into said slot.

8. The apparatus according to claim 1, said attachment processor adapted to process input information received from said input device to generate attachment-processed data to send to said antenna for transmission to a remote computer.

9. The apparatus according to claim 8, wherein said attachment-processed data is generated by at least one of encrypting said input information, dividing said input information into data packets, or creating header information to append to said input information.

10. The apparatus according to claim 1, said attachment further including a second input device.

11. The apparatus according to claim 10, wherein said second input device is one of a magnetic strip reader, a smartcard reader, an optical scanner, a fingerprint scanner, a signature pad, or a proximity detector.

12. The apparatus according to claim 10, said attachment processor adapted to process input information received from said first input device in a first manner and adapted to process input information received from said second input device in a different second manner, such that a remote computer to which processed data from said attachment processor is sent can determine whether said attachment processor received said input information from said first input device or said second input device.

13. The apparatus according to claim 1, said attachment further including an attachment memory encoded with instructions to be executed by said attachment processor.

14. The apparatus according to claim 13, wherein said attachment processor begins executing said instructions when input information is received at said input device.

15. The apparatus according to claim 1, wherein said device processor establishes a communication link with a remote computer using said antenna and said attachment processor receives input information from said first input device, processes said input information to generate attachment-processed data, and sends said attachment-processed data to said remote computer using said antenna over said communication link.

16. The apparatus according to claim 1, further including a data port for receiving and transmitting data independent of said antenna.

17. The apparatus according to claim 16, wherein said data port receives and transmits at least one of infrared, IEEE 802.11 and Bluetooth signals.

18. The apparatus according to claim 1, wherein a first communication link established between said attachment and a remote computer over a communication network is separate from a second communication link established between said wireless communication device and said remote computer.