Portable handheld device for wireless order entry and real time payment authorization and related methods

• US 8,356,754 B2
• Filed: 07/21/2011
• Issued: 01/22/2013
• Est. Priority Date: 04/21/2005
• Status: Active Grant

• Current Assignee: SecuredPay Solutions, Inc.
• Original Assignee: SecuredPay Solutions, Inc.
• Inventors: Johnson, John M., Nelson, Roy, Faircloth, Christopher D., Larsen, Lance
• Primary Examiner(s): Frech, Karl D.
• Application Number:
  US13/188,111
• Publication Number:
  US 20120012653A1
• Time in Patent Office: 551 Days
• Field of Search: 235/462.44, 235/462.45, 235/462.46, 235/472.01, 235/472.02, 235/472.03
• US Class Current: 235/472.01
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping 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 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• 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 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 50/12 Hotels or restaurants
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A portable handheld device for wireless order entry and real time payment authorization may include a portable housing, a display carried by the housing, an order entry input device carried by the housing, a transaction card input device carried by the housing for reading user sensitive information from a transaction card, a wireless transceiver carried by the housing, and a processor carried by the housing and connected to the display, order entry input device, transaction card input device and wireless transceiver. The processor may be for wirelessly sending input order information, and encrypting and wirelessly sending the user sensitive information from the transaction card without storing and without displaying. The processor may also be for wirelessly receiving and displaying payment authorization information based upon real time authorization from a transaction card issuing entity.

Claims

1. A portable device for real time payment authorization comprising:

a housing;

an output device carried by said housing;

an input device carried by said housing for obtaining user sensitive information;

a wireless transceiver carried by said housing; and

a processor carried by said housing and coupled to said output device, input device, and wireless transceiver for

wirelessly sending the user sensitive information without retrievably storing the user sensitive information, and

wirelessly receiving payment authorization information via said wireless transceiver based upon real time authorization and conveying the received payment authorization information via said output device.

2. The portable device of claim 1 further comprising a personal identification number (PIN) input device carried by said housing and coupled to said processor;

and wherein said processor also wirelessly sends PIN information without retrievably storing the PIN information.

3. The portable device of claim 2 wherein said output device comprises a display;

and wherein said processor also wirelessly sends the user sensitive information and the PIN information without displaying the user sensitive information and the PIN information on said display.

4. The portable device of claim 1 further comprising a debit personal identification number (PIN) input device carried by said housing and coupled to said processor;

and wherein said processor also wirelessly sends debit PIN information without retrievably storing the debit PIN information.

5. The portable device of claim 1 wherein said input device for obtaining user sensitive information comprises a transaction card reader.

6. The portable device of claim 1 wherein said wireless transceiver comprises a wireless local area network (WLAN) transceiver.

7. The portable device of claim 1 wherein said wireless transceiver comprises a cellular telephone transceiver.

8. The portable device of claim 1 wherein said processor cooperates with said wireless transceiver to use encryption.

9. The portable device of claim 8 further comprising a volatile memory coupled to said processor and storing a private key for the encryption.

10. The portable device of claim 9 further comprising at least one tamper resistant structure associated with said volatile memory.

11. The portable device of claim 1 wherein said processor sends and receives information via a Secure Sockets Layer (SSL) protocol.

12. The portable device of claim 1 further comprising an order entry input device carried by said housing and coupled to said processor.

13. The portable device of claim 12 wherein said output device comprises a touch screen display;

and wherein said order entry input device comprises a user manipulated stylus cooperating with said touch screen display.

14. The portable device of claim 1 wherein the portable device is for restaurant order entry, and further comprising a memory storing restaurant menu data.

15. The portable device of claim 1 wherein said output device comprises a printer;

and wherein said processor is also for printing a transaction receipt.

16. The portable device of claim 1 wherein said input device comprises a touch screen display.

17. The portable device of claim 1 wherein the user sensitive information comprises a personal identification number (PIN).

18. The portable device of claim 1 wherein the user sensitive information comprises a password.

19. The portable device of claim 1 wherein said wireless transceiver comprises a wireless Bluetooth transceiver.

20. The portable device of claim 1 wherein said input device comprises a keypad.

21. A portable device for real time payment authorization comprising:

a housing;

an output device carried by said housing;

an input device carried by said housing for obtaining user sensitive information;

a personal identification number (PIN) input device carried by said housing;

a wireless transceiver carried by said housing; and

a processor carried by said housing and coupled to said output device, input device, PIN input device, and wireless transceiver for

encrypting and wirelessly sending the user sensitive information and PIN information without retrievably storing the user sensitive information and the PIN information, and

wirelessly receiving payment authorization information via said wireless transceiver based upon real time authorization and conveying the received payment authorization information via said output device.

22. The portable device of claim 21 wherein said processor also wirelessly sends the user sensitive information and the PIN information without displaying the user sensitive information and the PIN information on said display.

23. The portable device of claim 21 wherein said PIN input device comprises a debit PIN input device.

24. The portable device of claim 21 wherein said input device for obtaining user sensitive information comprises a transaction card reader.

25. The portable device of claim 21 wherein said wireless transceiver comprises a wireless local area network (WLAN) transceiver.

26. The portable device of claim 21 wherein said wireless transceiver comprises a cellular telephone transceiver.

27. The portable device of claim 21 wherein said processor sends and receives information via a Secure Sockets Layer (SSL) protocol.

28. The portable device of claim 21 further comprising an order entry input device carried by said housing and coupled to said processor.

29. The portable device of claim 28 wherein said output device comprises a touch screen display;

and wherein said order entry input device comprises a user manipulated stylus cooperating with said touch screen display.

30. The portable device of claim 21 wherein the portable device is for restaurant order entry, and further comprising a memory storing restaurant menu data.

31. The portable device of claim 21 wherein said input device comprises a touch screen display.

32. The portable device of claim 21 wherein the user sensitive information comprises a personal identification number (PIN).

33. The portable device of claim 21 wherein said wireless transceiver comprises a wireless Bluetooth transceiver.

34. The portable device of claim 21 wherein said input device comprises a keypad.

35. A system for wireless order entry and real time payment authorization via the Internet and comprising:

a wireless network router coupled to the Internet; and

at least one portable device comprising

a housing,

an output device carried by said housing,

an input device carried by said housing for obtaining user sensitive information, a wireless transceiver carried by said housing, and a processor carried by said housing and coupled to said output device, input device, and wireless transceiver for

wirelessly sending the user sensitive information to said wireless network router without retrievably storing the user sensitive information, and

wirelessly receiving payment authorization information from said wireless network router via said wireless transceiver based upon real time authorization, and conveying the received payment authorization information via said output device.

36. The system of claim 35 further comprising a personal identification number (PIN) input device carried by said housing and coupled to said processor;

and wherein said processor also wirelessly sends PIN information without retrievably storing the PIN information.

37. The system of claim 36 wherein said output device comprises a display;

and wherein said processor also wirelessly sends the user sensitive information and the PIN information without displaying the user sensitive information and the PIN information on said display.

38. The system of claim 35 further comprising a debit personal identification number (PIN) input device carried by said housing and coupled to said processor;

and wherein said processor also wirelessly sends debit PIN information without retrievably storing the debit PIN information.

39. The system of claim 35 wherein said input device for obtaining user sensitive information comprises a transaction card reader.

40. The system of claim 35 wherein said processor cooperates with said wireless transceiver to use encryption.

41. The system of claim 35 wherein said processor sends and receives information via a Secure Sockets Layer (SSL) protocol.

42. The system of claim 35 further comprising an order entry input device carried by said housing and coupled to said processor.

43. The system of claim 35 wherein the portable device is for restaurant order entry, and further comprising a memory storing restaurant menu data.

44. The system of claim 35 wherein said input device comprises a touch screen display.

45. The system of claim 35 wherein the user sensitive information comprises a personal identification number (PIN).

46. The system of claim 35 wherein said wireless transceiver comprises a wireless Bluetooth transceiver.

47. The system of claim 35 wherein said input device comprises a keypad.

48. A wireless real time payment authorization method comprising:

providing a portable device comprising a housing, an output device carried by the housing, an input device carried by the housing for obtaining user sensitive information, a wireless transceiver carried by the housing, and a processor carried by the housing and coupled to the output device, input device, and wireless transceiver;

wirelessly sending the user sensitive information from the portable handheld device without retrievably storing the user sensitive information; and

wirelessly receiving payment authorization information at the portable device via said wireless transceiver based upon real time authorization and conveying the received payment authorization information via said output device.

49. The method of claim 48 wherein the portable device further comprises a personal identification number (PIN) input device carried by the housing and coupled to the processor;

and wherein wirelessly sending also comprises wirelessly sending PIN information without retrievably storing the PIN information.

50. The method of claim 49 wherein the output device comprises a display;

and wherein wirelessly sending also comprises wirelessly sending the user sensitive information and the PIN information without displaying the user sensitive information and the PIN information on the display.

51. The method of claim 48 wherein the portable device further comprises a debit personal identification number (PIN) input device carried by the housing and coupled to the processor;

and wherein wirelessly sending also comprises wirelessly sending debit PIN information without retrievably storing the debit PIN information.

52. The method of claim 48 wherein the input device for obtaining user sensitive information comprises a transaction card reader.

53. The method of claim 48 wherein the wireless transceiver comprises a wireless local area network (WLAN) transceiver.

54. The method of claim 48 wherein the wireless transceiver comprises a cellular telephone transceiver.

55. The method of claim 48 wherein wirelessly sending comprises wirelessly sending using encryption.

56. The method of claim 48 wherein the processor sends and receives information via a Secure Sockets Layer (SSL) protocol.

57. The method of claim 48 wherein the portable device further comprises an order entry input device carried by the housing and coupled to the processor.

58. The method of claim 48 wherein the portable device is for restaurant order entry, and further comprising a memory storing restaurant menu data.

59. The method of claim 48 wherein the user sensitive information comprises a personal identification number (PIN).

60. The method of claim 48 wherein the user sensitive information comprises a password.