System and method for activating telephone-based payment instrument
First Claim
1. A method for activating a payment instrument in the form of a mobile device, wherein during activation an account identifier is loaded into the mobile device, and wherein the mobile device employs telecommunications signaling and has a payment instrument module that employs wireless signaling separate from the telecommunications signaling for storing the account identifier and for transmitting the account identifier when conducting a transaction, the method comprising:
- associating a personal identifier with the account identifier and providing that personal identifier to a user prior to activation of the payment instrument;
placing the mobile device in proximity to an external wireless device that is external to the mobile device and that is not a payment instrument, the external wireless device transmitting wireless signaling representing the account identifier;
transmitting the account identifier from the external wireless device to the payment instrument module;
requesting a personal identifier be provided by the user; and
enabling the payment instrument to use the transmitted account identifier if the requested personal identifier provided by the user matches the personal identifier associated with the account identifier.
8 Assignments
0 Petitions
Accused Products
Abstract
A payment instrument in the form of a cell phone is loaded with account information and activated as a payment instrument by reading account information from a nearby RFID device, and entering a user PIN or password. In one embodiment, the account information is read from an RFID tag provided to the user, and the password is entered on the phone keypad. In a second embodiment, the account information is read from an RFID device at an ATM or kiosk after the user inserts a card into a card reader at the ATM or kiosk and enters the password at the ATM or kiosk keypad.
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Citations
31 Claims
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1. A method for activating a payment instrument in the form of a mobile device, wherein during activation an account identifier is loaded into the mobile device, and wherein the mobile device employs telecommunications signaling and has a payment instrument module that employs wireless signaling separate from the telecommunications signaling for storing the account identifier and for transmitting the account identifier when conducting a transaction, the method comprising:
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associating a personal identifier with the account identifier and providing that personal identifier to a user prior to activation of the payment instrument; placing the mobile device in proximity to an external wireless device that is external to the mobile device and that is not a payment instrument, the external wireless device transmitting wireless signaling representing the account identifier; transmitting the account identifier from the external wireless device to the payment instrument module; requesting a personal identifier be provided by the user; and enabling the payment instrument to use the transmitted account identifier if the requested personal identifier provided by the user matches the personal identifier associated with the account identifier. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A system for activating an payment instrument in the form of an RFID enabled telephone, wherein during activation an account identifier is loaded into the telephone, the activated telephone including an RFID device for storing and transmitting the account identifier when conducting a transaction, the system including:
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a PIN associated with the account identifier; an external RFID device for transmitting the account identifier to the telephone, wherein the external RFID device is not a payment instrument; and a programmed processor for instructing a user to enter a PIN at a keypad associated with either the external device or the telephone, and activating the payment instrument if the PIN entered at the keypad matches the PIN associated with the account identifier. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29)
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30. A system for activating a payment instrument in the form of a mobile device, wherein an account identifier is provided to the device during activation and wherein the mobile device employs telecommunications signaling and has a payment instrument module that employs wireless signaling separate from the telecommunication signaling for storing and transmitting the account identifier in order to conduct a transaction, the system comprising:
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means for associating a personal identifier with the account identifier and providing that personal identifier to a user prior to activation of the payment instrument; means for transmitting an account identifier from a wireless device to the payment instrument module when the mobile device is placed in proximity to wireless device, the wireless device being external to the mobile device and transmitting the account identifier in the form of wireless signaling, wherein the wireless device is not a payment instrument; means for requesting a personal identifier be provided by the user; and means for activating the payment instrument to use the transmitted account identifier if the requested personal identifier provided by the user matches the personal identifier associated with the account identifier.
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31. A method for activating a payment instrument for use by a consumer, with an account identifier provided to the payment instrument during activation, wherein the payment instrument comprises a wireless telecommunications device using telecommunications signaling, and an RFID unit integrated with the wireless device, the RFID unit using short range proximity signaling separate from the telecommunications signaling and for providing the account identifier to an RFID reader in order to conduct transactions, the method comprising:
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associating a personal identification number (PIN) with an account identifier and providing that PIN to the consumer; placing the wireless device in close proximity to an RFID device that is not a payment instrument, the RFID device being separate from and external to the wireless device when activating the payment instrument, and the RFID device for transmitting the account identifier in the form of wireless signaling for being stored in the integrated RFID unit of the wireless device after the payment instrument has been activated; transmitting the account identifier from the external RFID device to the integrated REID unit; requesting a PIN be provided by the consumer; and activating the payment instrument to use the transmitted account identifier if the requested PIN provided by the consumer matches the PIN associated with the account identifier.
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Specification