System and method for managing wireless point-of-sale transactions

• US 7,861,930 B2
• Filed: 03/18/2008
• Issued: 01/04/2011
• Est. Priority Date: 02/21/2006
• Status: Active Grant

• Current Assignee: Apple Inc.
• Original Assignee: David Benjamin Esplin, Jill Andrews Esplin
• Inventors: Esplin, David Benjamin, Esplin, Jill Andrews
• Primary Examiner(s): Labaze, Edwyn
• Application Number:
  US12/050,170
• Publication Number:
  US 20100153221A1
• Time in Patent Office: 1,022 Days
• Field of Search: 235/383, 235/380, 235/472.01, 235/381, 235/379, 235/472.02, 235/487, 705 64- 67, 705/16, 705/39
• US Class Current: 235/383
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 40/12 Accounting

Abstract

A system that enables a wireless point-of-sale transaction. In one embodiment the system comprises an account module, an account selection module, a display, an input interface, and a wireless transmitter. The account module stores account information corresponding to a plurality of payment accounts. The account selection module selects a payment account from the plurality of payment accounts as a default payment account for a wireless point-of-sale transaction based on one or more predetermined criteria. The display displays the default payment account to a user. The input interface enables the user to accept the default payment account by the account selection module. The wireless transmitter that wirelessly transmits payment information to a point-of-sale device, wherein the payment information comprises account information associated with the default account when the default payment account is accepted via the input interface.

Claims

1. A wireless client device configured to manage purchase information related to a wireless point-of-sale transaction, the wireless client device comprising:

a transmitter configured to wirelessly transmit payment information associated to a point-of-sale device in connection with a wireless point-of-sale transaction for goods and/or services, the payment information enabling the point-of-sale device to confirm payment for the wireless point-of-sale transaction by a purchaser associated with the wireless client device;

a receiver configured to receive a wireless transmission of purchase information, wherein the purchase information comprises price information for the goods and/or services associated with the wireless point-of-sale transaction;

a user interface configured to present information to the purchaser and to receive selections of the purchaser; and

one or more processors configured to execute computer modules, the computer modules comprising;

an interface module configured to present to the purchaser, via the user interface, a classification interface configured to receive selection or entry by the purchaser of assignment of the goods and/or services associated with the wireless point-of-sale transaction to one or more classifications; and

a user spending module configured to present to the purchaser, via the user interface, a spending interface that indicates the purchaser'"'"'s spending with respect to individual ones of a plurality of classifications of goods and/or services based in part on the assignment of the goods and/or services associated with the wireless point-of-sale transaction to the one or more classifications.

2. The system of claim 1, wherein the classification interface is configured to receive assignments by the purchaser of classifications of goods and/or services to individual ones of the goods and/or services associated with the wireless point-of-sale transaction.

3. The system of claim 1, wherein the classification interface is configured to receive assignments by the purchaser of a classification of goods and/or services to the goods and/or services associated with the wireless point-of-sale transaction as a single group.

4. The system of claim 1, wherein the interface module is configured such that responsive to the goods and/or services associated with the wireless point-of-sale transaction being initially automatically assigned to one or more default classifications of goods and/or services, the classification interface is configured to receive selection of from the purchaser of a rejection of the one or more default classifications of the goods and/or services associated with the wireless point-of-sale transaction.

5. The system of claim 4, wherein the interface module is configured such that the classification interface enables the purchaser to manually override one or more classifications of goods and/or service for the one or more of the goods and/or services associated with the wireless point-of-sale transaction.

6. The system of claim 4, wherein the interface module is configured such that the classification interface is configured to receive selection from the purchaser flagging the one or more classifications rejected by the purchaser, and such that the classification interface is configured to receive selection by the purchaser of one or more classifications for the corresponding goods and/or services at a later time.

7. The system of claim 1, wherein the interface module is configured such that the classification interface is configured to present a predetermined list of classifications from the purchaser, and to receive selections of the purchaser of individual classifications from the list of classifications to assign the goods and/or services associated with the wireless point-of-sale transaction to classifications from the predetermined list of classifications.

8. A computer-implemented method of managing purchase information related to a wireless point-of-sale transaction for goods and/or services, the computer-implemented method being performed by a computer system comprising a wireless client device having a user interface and one or more processors configured to execute one or more computer program modules, the method comprising:

wirelessly transmitting payment information to a point-of-sale device that enables the point-of-sale device to confirm payment for the wireless point-of-sale transaction by a purchaser;

receiving, from the point-of-sale device, a wireless transmission of purchase information, wherein the purchase information comprises price information for the goods and/or services associated with the wireless point-of-sale transaction;

receiving, from the purchaser via the user interface, an assignment of the goods and/or services associated with the wireless point-of-sale transaction to one or more classifications; and

presenting, on the user interface, a spending interface that indicates spending by the purchaser with respect to individual ones of a plurality of classifications of goods and/or services based in part on the received assignment of the goods and/or services associated with the wireless point-of-sale transaction to the one or more classifications.

9. The method of claim 8, wherein presenting the spending interface comprises concomitantly displaying on the user interface indicia representing purchaser spending with respect to a plurality of classifications of goods and/or services.

10. The method of claim 8, wherein receiving the assignment of the goods and/or services associated with the wireless point-of-sale transaction to one or more classifications comprises receiving an assignment of classifications for individual ones of the received goods and/or services.

11. The method of claim 8, wherein receiving the assignment of the goods and/or services associated with the wireless point-of-sale transaction to one or more classifications comprises receiving a single classification for the received goods and/or services as a single group.

12. The method of claim 8, wherein receiving the assignment of the goods and/or services associated with the wireless point-of-sale transaction to one or more classifications comprises:

presenting to the purchaser, via the user interface, an initial automatic assignment of one or more default classifications of the received goods and/or services associated with the transaction, and

receiving from the purchaser, via the user interface, a rejection of the one or more default classifications of the goods and/or services.

13. The method of claim 12, wherein receiving the assignment of the goods and/or services associated with the wireless point-of-sale transaction to one or more classifications further comprises enabling the user to manually override one or more of the one or more default classifications of goods and/or service for the one or more received goods and/or services.

14. The method of claim 12, wherein receiving the assignment of the goods and/or services associated with the wireless point-of-sale transaction to one or more classifications further comprises receiving from the purchaser, via the user interface, selection indicating the one or more classifications rejected by the user should be flagged for assignment to one or more different classifications for the corresponding goods and/or services at a later time.

15. The method of claim 8, wherein receiving the assignment of the goods and/or services associated with the wireless point-of-sale transaction to one or more classifications comprises receiving a selection of one or more classifications from a predetermined list of classifications.

16. A computer-implemented method of managing purchase information related to wireless point-of-sale transaction for goods and/or services, the computer-implemented method being performed by a computer system comprising a wireless client device having a user interface and one or more processors configured to execute one or more computer program modules, the method comprising:

receiving a wireless transmission of a record of a point-of-sale transaction that includes information related to the price of the point-of-sale transaction;

receiving, via the user interface of the wireless client device, a classification by a purchaser of one or more goods and/or services purchased in the point-of-sale transaction;

determining an amount of user spending on goods and/or services within the classification; and

responsive to reception of the classification, presenting a view to the user, via user interface of the wireless client device, that conveys the amount of user spending on goods and/or services within the classification.

17. The method of claim 16, wherein determining an amount of user spending on goods and/or services within the classification comprises determining an amount of user spending on goods and/or services with the classification within a predetermined amount of time.