Wireless portable consumer electronics device facilitating multi-range transactions
First Claim
Patent Images
1. A portable consumer electronics device comprising:
- means for addressing, to another said portable consumer electronics device, a short range wireless communication containing a request for payment for a transaction having a value to be credited to an account in a payment system;
means for receiving, from the another said portable consumer electronics device, a short range wireless communication containing an authorization of the request for payment for the transaction;
means for addressing, to the payment system, a long range wireless communication containing at least a part of the authorization of the request for payment for the transaction sufficient to credit the value corresponding to the transaction to the account in the payment system; and
means for addressing, to the another said portable consumer electronics device, a short range wireless communication containing a receipt memorializing the transaction.
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Accused Products
Abstract
A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
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Citations
29 Claims
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1. A portable consumer electronics device comprising:
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means for addressing, to another said portable consumer electronics device, a short range wireless communication containing a request for payment for a transaction having a value to be credited to an account in a payment system; means for receiving, from the another said portable consumer electronics device, a short range wireless communication containing an authorization of the request for payment for the transaction; means for addressing, to the payment system, a long range wireless communication containing at least a part of the authorization of the request for payment for the transaction sufficient to credit the value corresponding to the transaction to the account in the payment system; and means for addressing, to the another said portable consumer electronics device, a short range wireless communication containing a receipt memorializing the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A portable consumer cellular telephone having a processor executing code to:
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establish, via short range wireless communications, credentials between the portable consumer cellular telephone and another said portable consumer cellular telephone, wherein the portable consumer cellular telephone and the another said portable consumer cellular telephone each comprise a long-range data transmitter and a long-range data receiver; address, to the another said portable consumer cellular telephone, a short range wireless communication containing a request for payment for a transaction having a value to be credited to an account in a payment system; receive, from the another said portable consumer cellular telephone, a short range wireless communication containing an authorization of the request for payment for the transaction; address, to the payment system, a cellular telephone communication containing at least a part of the authorization of the request for payment for the transaction sufficient to credit the value corresponding to the transaction to the account in the payment system; address, to the another said portable consumer cellular telephone, a short range wireless communication containing a receipt memorializing the transaction; and receive, from the payment system, a cellular telephone communication containing a result from an attempt by the payment system to collect the value corresponding to the transaction, wherein; the short range wireless communication is selected from the group consisting of a wireless communication technology having a range not greater than about ten meters, line of sight, infrared, Wireless Fidelity (Wi-Fi), and Bluetooth; the request for payment for the transaction comprises; an identifier for the account in the payment system to which the value corresponding to the transaction is to be credited; and an identifier for another said account to which the value corresponding to the transaction is to be debited; the account corresponds to a payee for the transaction; and the another said account corresponds to the payer for the transaction. - View Dependent Claims (19, 20)
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21. A portable consumer electronics device comprising:
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means for receiving, from another said portable consumer electronics device, a short range wireless communication containing a request for payment for a transaction having a value to be credited to an account in a payment system; means for addressing, to the another said portable consumer electronics device, a short range wireless communication containing an authorization of the request for payment for the transaction; means for addressing, to the payment system, a long range wireless communication containing at least a part of the authorization of the request for payment for the transaction sufficient to credit the value corresponding to the transaction to the account in the payment system; and means for addressing, to the another said portable consumer electronics device, a short range wireless communication containing a receipt memorializing the transaction. - View Dependent Claims (22, 23, 24, 25)
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26. A computer readable medium comprising instructions which, when executed by a processor, performs the steps of:
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addressing a short range wireless communication containing a request for payment for a transaction having a value to be credited to an account in a payment system; receiving a short range wireless communication containing an authorization of the request for payment for the transaction; addressing, to a payment system, a long range wireless communication containing at least a part of the authorization of the request for payment for the transaction sufficient to credit the value corresponding to the transaction to the account in the payment system; and addressing, to a portable consumer electronics device, a short range wireless communication containing a receipt memorializing the transaction. - View Dependent Claims (27)
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28. A method comprising:
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receiving a short range wireless communication containing a request for payment for the transaction having a value to be credited to an account in a payment system; addressing a short range wireless communication containing an authorization of the request for payment for the transaction; addressing, to the payment system, a long range wireless communication containing at least a part of the authorization of the request for payment for the transaction sufficient to collect the value corresponding to the transaction; and addressing, to a portable consumer electronics device, a short range wireless communication containing a receipt memorializing the transaction. - View Dependent Claims (29)
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Specification