Proximity purchase ringtones

• US 8,224,375 B2
• Filed: 05/01/2009
• Issued: 07/17/2012
• Est. Priority Date: 05/01/2009
• Status: Active Grant

• Current Assignee: Qualcomm, Inc.
• Original Assignee: Qualcomm, Inc.
• Inventors: Roberts, John R.
• Primary Examiner(s): Nguyen, David Q
• Application Number:
  US12/434,463
• Publication Number:
  US 20100280940A1
• Time in Patent Office: 1,173 Days
• Field of Search: 455/550, 705/26, 705/37
• US Class Current: 455/550.1
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/201 Price look-up processing, e.g. updating
• 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 20/3278 RFID or NFC payments by means of M-devices
• 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

Abstract

A method of conduction transactions at a point-of-sale terminal using a wireless device is disclosed and may include initiating a transaction with the point-of-sale terminal via a wireless link, receiving at least one price from the point-of-sale terminal, determining whether the at least one price satisfies a price warning condition, and transmitting a first audible signal if the at least one price satisfies the price warning condition.

Claims

1. A method of conducting transactions at a point-of-sale terminal using a wireless device, the method comprising:

initiating a transaction with the point-of-sale terminal via a wireless link;

receiving at least one price from the point-of-sale terminal;

determining whether the at least one price satisfies a price warning condition;

outputting a first audible signal at the wireless device if the at least one price satisfies the price warning condition;

receiving a selection of at least one coupon;

determining whether the coupon is valid; and

outputting a second audible signal at the wireless device if the coupon is not valid.

2. The method of claim 1, further comprising:

receiving at least one item description from the point-of-sale terminal;

determining a location of the transaction;

searching a database with the at least one price, the at least one item description, the location, or a combination thereof to determine at least one comparative price; and

comparing the at least one comparative price to the at least one price from the point-of-sale terminal to determine whether the at least one price satisfies the warning condition.

3. The method of claim 1, further comprising:

transmitting the coupon to the point-of-sale terminal if the coupon is valid;

receiving a coupon acknowledgement from the point-of-sale terminal;

determining whether the coupon is accepted based on the coupon acknowledgement from the point-of-sale terminal; and

outputting a third audible signal at the wireless device if the coupon is not accepted by the point-of-sale terminal.

4. The method of claim 3, further comprising:

transmitting a request for a total amount due to the point-of-sale terminal;

receiving a total amount due from the point-of-sale terminal;

determining whether the total amount due satisfies a total amount due warning condition; and

outputting a fourth audible signal at the wireless device if the total amount due satisfies the total amount due warning condition.

5. The method of claim 4, further comprising:

receiving a payment selection;

determining whether the payment selection includes an audible signal associated therewith; and

outputting a fifth audible signal at the wireless device if the payment selection includes an audible signal associated therewith.

6. The method of claim 5, further comprising:

determining whether the payment selection is a debit account or a credit account;

determining whether the debit account includes sufficient funds to pay for the transaction, if the payment selection is a debit account; and

outputting a sixth audible signal at the wireless device if the debit account does not have sufficient funds to pay for the transaction.

7. The method of claim 6, further comprising:

determining whether a debit account balance satisfies a debit account warning condition; and

outputting a seventh audible signal at the wireless device if the debit account balance satisfies the debit account warning condition.

8. The method of claim 6, further comprising:

determining whether the credit account includes sufficient credit to pay for the transaction, if the payment selection is a credit account; and

outputting an eighth audible signal at the wireless device if the credit account does not have sufficient credit to pay for the transaction.

9. The method of claim 8, further comprising:

determining whether a credit account balance satisfies a credit account warning condition; and

outputting a ninth audible signal at the wireless device if the credit account balance satisfies the credit account warning condition.

10. The method of claim 8, further comprising:

transmitting payment information to the point-of-sale terminal;

receiving a payment acknowledgement from the point-of-sale terminal;

determining whether payment is approved based on the payment acknowledgement from the point-of-sale terminal; and

outputting a tenth audible signal at the wireless device if the payment is not approved.

11. The method of claim 10, further comprising:

requesting a receipt from the point-of-sale terminal, if payment is approved;

receiving the receipt from the point-of-sale terminal;

determining whether a final total satisfies a final total warning condition; and

outputting an eleventh audible signal at the wireless device if the final total satisfies the final total warning condition.

12. A wireless device, comprising:

means for initiating a transaction with a point-of-sale terminal via a wireless link;

means for receiving at least one price from the point-of-sale terminal;

means for determining whether the at least one price satisfies a price warning condition;

means for outputting a first audible signal at the wireless device if the at least one price satisfies the price warning condition;

means for receiving a selection of at least one coupon;

means for determining whether the coupon is valid; and

means for outputting a second audible signal at the wireless device if the coupon is not valid.

13. The wireless device of claim 12, further comprising:

means for receiving at least one item description from the point-of-sale terminal;

means for determining a location of the transaction;

means for searching a database with the at least one price, the at least one item description, the location, or a combination thereof in order to determine at least one comparative price; and

means for comparing the at least one comparative price to the at least one price from the point-of-sale terminal in order to determine whether the at least one price satisfies the warning condition.

14. The wireless device of claim 12, further comprising:

means for transmitting the coupon to the point-of-sale terminal if the coupon is valid;

means for receiving a coupon acknowledgement from the point-of-sale terminal;

means for determining whether the coupon is accepted based on the coupon acknowledgement from the point-of-sale terminal; and

means for outputting a third audible signal at the wireless device to the user if the coupon is not accepted by the point-of-sale terminal.

15. The wireless device of claim 14, further comprising:

means for transmitting a request for a total amount due to the point-of sale terminal;

means for receiving a total amount due from the point-of-sale terminal;

means for determining whether the total amount due satisfies a total amount due warning condition; and

means for outputting a fourth audible signal at the wireless device if the total amount due satisfies the total amount due warning condition.

16. The wireless device of claim 15, further comprising:

means for receiving a payment selection;

means for determining whether the payment selection includes an audible signal associated therewith; and

means for outputting a fifth audible signal at the wireless device if the payment selection includes an audible signal associated therewith.

17. The wireless device of claim 16, further comprising:

means for determining whether the payment selection is a debit account or a credit account;

means for determining whether the debit account includes sufficient funds to pay for the transaction, if the payment selection is a debit account; and

means for outputting a sixth audible signal at the wireless device if the debit account does not have sufficient funds to pay for the transaction.

18. The wireless device of claim 17, further comprising:

means for determining whether a debit account balance satisfies a debit account warning condition; and

means for outputting a seventh audible signal at the wireless device if the debit account balance satisfies the debit account warning condition.

19. The wireless device of claim 17, further comprising:

means for determining whether the credit account includes sufficient credit to pay for the transaction, if the payment selection is a credit account; and

means for outputting an eighth audible signal at the wireless device if the credit account does not have sufficient credit to pay for the transaction.

20. The wireless device of claim 19, further comprising:

means for determining whether a credit account balance satisfies a credit account warning condition; and

means for outputting an ninth audible signal at the wireless device if the credit account balance satisfies the credit account warning condition.

21. The wireless device of claim 19, further comprising:

means for transmitting payment information to the point-of-sale terminal;

means for receiving a payment acknowledgement from the point-of-sale terminal;

means for determining whether payment is approved based on the payment acknowledgement from the point-of-sale terminal; and

means for outputting an tenth audible signal at the wireless device if the payment is not approved.

22. The wireless device of claim 21, further comprising:

means for requesting a receipt from the point-of-sale terminal, if payment is approved;

means for receiving the receipt from the point-of-sale terminal;

means for determining whether a final total satisfies a final total warning condition; and

means for outputting an eleventh audible signal at the wireless device if the final total satisfies the final total warning condition.

23. A wireless device, comprising:

a processor operable to;

initiate a transaction with the point-of-sale terminal via a wireless link;

receive at least one price from the point-of-sale terminal;

determine whether the at least one price satisfies a price warning condition;

output a first audible signal at the wireless device if the at least one price satisfies the price warning condition;

receive a selection of at least one coupon;

determine whether the coupon is valid; and

output a second audible signal at the wireless device if the coupon is not valid.

24. The wireless device of claim 23, wherein the processor is further operable to:

receive at least one item description from the point-of-sale terminal;

determine a location of the transaction;

search a database with the at least one price, the at least one item description, the location, or a combination thereof in order to determine at least one comparative price; and

compare the at least one comparative price to the at least one price from the point-of-sale terminal in order to determine whether the at least one price satisfies the warning condition.

25. The wireless device of claim 23, wherein the processor is further operable to:

transmit the coupon to the point-of-sale terminal if the coupon is valid;

receive a coupon acknowledgement from the point-of-sale terminal;

determine whether the coupon is accepted based on the coupon acknowledgement from the point-of-sale terminal; and

output a third audible signal at the wireless device if the coupon is not accepted by the point-of-sale terminal.

26. The wireless device of claim 25, wherein the processor is further operable to:

transmit a request for a total amount due to the point-of-sale terminal;

receive a total amount due from the point-of-sale terminal;

determine whether the total amount due satisfies a total amount due warning condition; and

output a fourth audible signal at the wireless device if the total amount due satisfies the total amount due warning condition.

27. The wireless device of claim 26, wherein the processor is further operable to:

receive a payment selection;

determine whether the payment selection includes an audible signal associated therewith; and

output a fifth audible signal at the wireless device if the payment selection includes an audible signal associated therewith.

28. The wireless device of claim 27, wherein the processor is further operable to:

determine whether the payment selection is a debit account or a credit account;

determine whether the debit account includes sufficient funds to pay for the transaction, if the payment selection is a debit account; and

output a sixth audible signal at the wireless device if the debit account does not have sufficient funds to pay for the transaction.

29. The wireless device of claim 28, wherein the processor is further operable to:

determine whether a debit account balance satisfies a debit account warning condition; and

output a seventh audible signal at the wireless device if the debit account balance satisfies the debit account warning condition.

30. The wireless device of claim 28, wherein the processor is further operable to:

determine whether the credit account includes sufficient credit to pay for the transaction, if the payment selection is a credit account; and

output an eighth audible signal at the wireless device to the user if the credit account does not have sufficient credit to pay for the transaction.

31. The wireless device of claim 30, wherein the processor is further operable to:

determine whether a credit account balance satisfies a credit account warning condition; and

output a ninth audible signal at the wireless device if the credit account balance satisfies the credit account warning condition.

32. The wireless device of claim 30, wherein the processor is further operable to:

transmit payment information to the point-of-sale terminal;

receive a payment acknowledgement from the point-of-sale terminal;

determine whether payment is approved based on the payment acknowledgement from the point-of-sale terminal; and

output a tenth audible signal at the wireless device if the payment is not approved.

33. The wireless device of claim 32, wherein the processor is further operable to:

request a receipt from the point-of-sale terminal, if payment is approved;

receive the receipt from the point-of-sale terminal;

determine whether a final total satisfies a final total warning condition; and

output an eleventh audible signal at the wireless device if the final total satisfies the final total warning condition.

34. A non-transitory computer-readable medium, having stored thereon processor executable instructions configured to cause a processor to perform operations comprising:

initiating a transaction between a wireless device and a point-of-sale terminal via a wireless link;

receiving at least one price from the point-of-sale terminal;

determining whether the at least one price satisfies a price warning condition;

outputting a first audible signal at the wireless device if the at least one price satisfies the price warning condition;

receiving a selection of at least one coupon;

determining whether the coupon is valid; and

outputting a second audible signal at the wireless device if the coupon is not valid.

35. The non-transitory computer-readable medium of claim 34, wherein the stored processor executable instructions are configured to cause the processor to perform operations further comprising:

receiving at least one item description from the point-of-sale terminal;

determining a location of the transaction;

searching a database with the at least one price, the at least one item description, the location, or a combination thereof in order to determine at least one comparative price; and

comparing the at least one comparative price to the at least one price from the point-of-sale terminal in order to determine whether the at least one price satisfies the warning condition.

36. The non-transitory computer-readable medium of claim 34, wherein the stored processor executable instructions are configured to cause the processor to perform operations further comprising:

transmitting the coupon to the point-of-sale terminal when the coupon is valid;

receiving a coupon acknowledgement from the point-of-sale terminal;

determining whether the coupon is accepted based on the coupon acknowledgement from the point-of-sale terminal; and

outputting a third audible signal at the wireless device if the coupon is not accepted by the point-of-sale terminal.

37. The non-transitory computer-readable medium of claim 36, wherein the stored processor executable instructions are configured to cause the processor to perform operations further comprising:

transmitting a request for a total amount due to the point-of-sale terminal;

receiving a total amount due from the point-of-sale terminal;

determining whether the total amount due satisfies a total amount due warning condition; and

outputting a fourth audible signal at the wireless device if the total amount due satisfies the total amount due warning condition.

38. The non-transitory computer-readable medium of claim 37, wherein the stored processor executable instructions are configured to cause the processor to perform operations further comprising:

receiving a payment selection;

determining whether the payment selection includes an audible signal associated therewith; and

outputting a fifth audible signal at the wireless device if the payment selection includes an audible signal associated therewith.

39. The non-transitory computer-readable medium of claim 38, wherein the stored processor executable instructions are configured to cause the processor to perform operations further comprising:

determining whether the payment selection is a debit account or a credit account;

determining whether the debit account includes sufficient funds to pay for the transaction, if the payment selection is a debit account; and

outputting a sixth audible signal at the wireless device if the debit account does not have sufficient funds to pay for the transaction.

40. The non-transitory computer-readable medium of claim 39, wherein the stored processor executable instructions are configured to cause the processor to perform operations further comprising:

determining whether a debit account balance satisfies a debit account warning condition; and

outputting a seventh audible signal at the wireless device if the debit account balance satisfies the debit account warning condition.

41. The non-transitory computer-readable medium of claim 39, wherein the stored processor executable instructions are configured to cause the processor to perform operations further comprising:

determining whether the credit account includes sufficient credit to pay for the transaction, when the payment selection is a credit account; and

outputting an eighth audible signal at the wireless device if the credit account does not have sufficient credit to pay for the transaction.

42. The non-transitory computer-readable medium of claim 41, wherein the stored processor executable instructions are configured to cause the processor to perform operations further comprising:

determining whether a credit account balance satisfies a credit account warning condition; and

outputting a ninth audible signal at the wireless device if the credit account balance satisfies the credit account warning condition.

43. The non-transitory computer-readable medium of claim 41, wherein the stored processor executable instructions are configured to cause the processor to perform operations further comprising:

transmitting payment information to the point-of-sale terminal;

receiving a payment acknowledgement from the point-of-sale terminal;

determining whether payment is approved based on the payment acknowledgement from the point-of-sale terminal; and

outputting a tenth audible signal at the wireless device if the payment is not approved.

44. The non-transitory computer-readable medium of claim 43, wherein the stored processor executable instructions are configured to cause the processor to perform operations further comprising:

requesting a receipt from the point-of-sale terminal, if payment is approved;

receiving the receipt from the point-of-sale terminal;

determining whether a final total satisfies a final total warning condition; and

outputting an eleventh audible signal at the wireless device if the final total satisfies the final total warning condition.

45. A method of conducting transactions at a point-of-sale terminal using a wireless device, the method comprising:

initiating a transaction with the point-of-sale terminal via a wireless link;

receiving at least one price from the point-of-sale terminal;

determining whether the at least one price satisfies a price warning condition;

if the at least one price satisfies the price warning condition, receiving a selection of at least one coupon;

determining whether the coupon is valid; and

outputting an audible signal at the wireless device if the coupon is not valid.

46. A wireless device, comprising:

a processor operable to;

initiate a transaction with the point-of-sale terminal via a wireless link;

receive at least one price from the point-of-sale terminal;

determine whether the at least one price satisfies a price warning condition;

if the at least one price satisfies the price warning condition, receive a selection of at least one coupon;

determine whether the coupon is valid; and

output an audible signal at the wireless device if the coupon is not valid.

47. A non-transitory computer-readable medium, having stored thereon processor executable instructions configured to cause a processor to perform operations comprising:

initiating a transaction between a wireless device and a point-of-sale terminal via a wireless link;

receiving at least one price from the point-of-sale terminal;

determining whether the at least one price satisfies a price warning condition;

if the at least one price satisfies the price warning condition, receiving a selection of at least one coupon;

determining whether the coupon is valid; and

outputting an audible signal at the wireless device if the coupon is not valid.