Wireless devices for storing a financial account card and methods for storing card data in a wireless device
First Claim
Patent Images
1. A method for enabling a wireless device to use card data during a purchase transaction, the method comprising:
- receiving a financial account card into a slot of the wireless device, wherein the financial account card contains the card data and the financial account card is stored inside of the wireless device;
reading the card data from the financial account card;
determining whether the financial account card is stored inside the wireless device; and
enabling the wireless device to use the card data during the purchase transaction if the financial account card is determined to be stored inside the wireless device.
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Accused Products
Abstract
A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader.
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Citations
43 Claims
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1. A method for enabling a wireless device to use card data during a purchase transaction, the method comprising:
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receiving a financial account card into a slot of the wireless device, wherein the financial account card contains the card data and the financial account card is stored inside of the wireless device; reading the card data from the financial account card; determining whether the financial account card is stored inside the wireless device; and enabling the wireless device to use the card data during the purchase transaction if the financial account card is determined to be stored inside the wireless device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A wireless device, the wireless device comprising:
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a processor; an RFID chip; and a slot for receiving a financial account card, wherein the financial account card may be stored inside of the wireless device, wherein the processor communicates card data from the financial account card to the RFID chip, wherein the wireless device determines whether the financial account card is stored inside the wireless device, and the wireless device is enabled to use the card data during a purchase transaction if the financial account card is determined to be stored inside the wireless device. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17)
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18. A method for enabling a wireless device to use card data during a purchase transaction, the method comprising:
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reading, when a financial account card is inserted into a slot of the wireless device, the card data from the the financial account card; storing, in a memory include in the wireless device, a name that identifies the financial account card; storing the card data in the memory of the wireless device, wherein the scanned card data is associated with the stored name; determining whether the financial account card is stored inside the wireless device; and enabling the wireless device to use the card data during the purchase transaction if the financial account card is determined to be stored inside the wireless device. - View Dependent Claims (19, 20, 21)
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22. A method for authorizing use of a financial account card for making a purchase with a wireless device, the method comprising:
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reading card data from a financial account card inserted into a slot of the wireless device; storing the card data in a memory included in the wireless device; determining whether the financial account card is stored inside the wireless device; receiving, when the financial account card is not stored inside the wireless device, a security code to authorize use of the card data; and transmitting, when the security code has been authenticated, the card data from the wireless device to an RFID reader via radio frequency. - View Dependent Claims (23, 24, 25)
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26. A method for authorizing use of a financial account card for making a purchase with a wireless device, the method comprising:
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reading card data from a financial account card inserted into a slot of the wireless device; storing the card data in a memory included in the wireless device; receiving an authorization authorizing use of the card data; and transmitting, when the authorization has been received, the card data from the wireless device to an RFID reader via radio frequency. - View Dependent Claims (27)
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28. A method for authorizing use of a financial account card for making a purchase with a wireless device, the method comprising:
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receiving a selection of a financial account card from a display of the wireless device; determining, by a processor including in the wireless device, whether the selected financial account card is stored inside the wireless device; and when the selected financial account card is determined to be stored inside the wireless device, authorizing use of the selected financial account card. - View Dependent Claims (29, 30)
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31. A method for authorizing use of a financial account card to make a purchase using a wireless device, the method comprising:
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receiving a selection of a financial account card from a display of the wireless device; determining, by a processor included in the wireless device, whether the selected financial account card has been used to make a prior purchase using the wireless device; and when the selected financial account card has not been used to make a prior purchase using the wireless device, authorizing the selected financial account card. - View Dependent Claims (32, 33, 34, 35)
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36. A method for selecting a financial account card to provide a payment for a purchase made using a wireless device, the method comprising:
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receiving, via radio frequency, data reflecting a purchase transaction; automatically selecting a financial account card to provide the payment for the purchase based on the received purchase transaction data; and transmitting, via radio frequency, card data from the wireless device for the selected financial account card.
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37. A method for assigning a financial account card to provide a payment for a purchase transaction made using a wireless device including a processor, the method comprising:
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receiving a selection of a financial account card from a display of the wireless device; assigning the selected financial account card to a type of purchase; receiving, via radio frequency, data reflecting the purchase transaction; determining, by the processor whether the received purchase transaction data corresponds to the purchase type assigned to the selected financial account card; and when the purchase transaction data is determined to correspond to the purchase type assigned to the selected financial account card, transmitting card data for the selected financial account card.
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38. A method for authorizing use of a financial account card to make a payment for a purchase transaction using a wireless device, the method comprising:
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receiving, from a display of the wireless device, a selection of a financial account card belonging to the user of the wireless device; determining, by a processor included in the wireless device, whether any financial account card belonging to the user, including the selected financial account card, is stored inside the wireless device; and when any financial account card belonging to the user is determined to be stored inside the wireless device, authorizing the use of the selected financial account card for the purchase transaction. - View Dependent Claims (39)
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40. A method for providing a security feature for card data of a financial account card for storage in a wireless device, the method comprising:
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receiving the financial account card into a slot of the wireless device, wherein the financial account card is stored inside of the wireless device; reading card data from the financial account card; storing the card data in a memory included in the wireless device; and when the financial account card is removed from the slot of the wireless device, erasing the stored card data.
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41. A method for authorizing a financial account card to make a purchase using a wireless device, the method comprising:
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receiving a selection of a financial account card from a display of the wireless device; determining, by a processor included in the wireless device, an identity of the owner of the selected financial account card; determining, by the processor, an identity of an owner of a financial account card stored in the wireless device; and when the identity of the owner of the selected financial account card and the identity of the owner of the financial account card stored in the wireless device are the same, authorizing the selected financial account card to make a purchase.
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42. A method for authorizing a second party to use a financial account card to make a purchase using a wireless device, the method comprising:
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receiving a selection of a financial account card from a display of the wireless device; assigning, to the selected financial account card, an identity of a second party that is authorized to use the selected financial account card; determining, by a processor included in the wireless device, an identity of a user of the wireless device; and when the identity of the user of the wireless device is determined to be the authorized second party, authorizing the selected financial account card to make a purchase. - View Dependent Claims (43)
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Specification