Portable computerized wireless payment apparatus and methods
First Claim
Patent Images
1. A mobile user device enabled for wireless payment, comprising:
- a cellular wireless interface;
a global positioning system (GPS)-based wireless receiver; and
a short range radio frequency device disposed on or in the mobile user device;
wherein the mobile user device is configured to be encoded with payment source information specific to a user of the device, the payment source information allowing the user to use the mobile user device to wirelessly pay for at least one of goods or services by placing the mobile user device in proximity to an interrogation or reader apparatus at a point of sale of said goods or services;
wherein the short range radio frequency device and payment source information obviates the user from having to carry at least one other currency or payment source on their person;
wherein the radio frequency device comprises a passive radio frequency identification device configured to utilize radio frequency energy incident thereon and generated from the interrogation apparatus or reader to generate a reply, the reply including at least a portion of the payment source information; and
wherein the short range radio frequency device is disposed on or in the mobile user device at time of manufacture of the mobile user device, the radio frequency device comprising an integrated circuit with data memory, and an antenna.
3 Assignments
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Accused Products
Abstract
A mobile user apparatus and associated methods useful for conducting payment transactions wirelessly, such as at point-of-sale locations. In one embodiment, the mobile user apparatus is a cellular-enabled mobile device that includes a short-range passive radio frequency transceiver that when interrogated by a reader at the point-of-sale, issues a reply including information relating to an account of the user of the mobile apparatus that is to be debited for the payment. In one variant, the information stored on the mobile device is encrypted for security, and the mobile user apparatus is further configured to receive transaction data wirelessly in return.
523 Citations
30 Claims
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1. A mobile user device enabled for wireless payment, comprising:
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a cellular wireless interface; a global positioning system (GPS)-based wireless receiver; and a short range radio frequency device disposed on or in the mobile user device; wherein the mobile user device is configured to be encoded with payment source information specific to a user of the device, the payment source information allowing the user to use the mobile user device to wirelessly pay for at least one of goods or services by placing the mobile user device in proximity to an interrogation or reader apparatus at a point of sale of said goods or services; wherein the short range radio frequency device and payment source information obviates the user from having to carry at least one other currency or payment source on their person; wherein the radio frequency device comprises a passive radio frequency identification device configured to utilize radio frequency energy incident thereon and generated from the interrogation apparatus or reader to generate a reply, the reply including at least a portion of the payment source information; and wherein the short range radio frequency device is disposed on or in the mobile user device at time of manufacture of the mobile user device, the radio frequency device comprising an integrated circuit with data memory, and an antenna. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A mobile user device enabled for wireless payment, comprising:
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a cellular wireless interface; a global positioning system (GPS)-based wireless receiver; and a short range radio frequency device disposed on or in the mobile user device; wherein the mobile user device is configured to be encoded with payment source information specific to the user and allowing the user to use the mobile user device to wirelessly pay for at least one of goods or services by placing the mobile user device in proximity to an interrogation or reader apparatus at a point of sale of said goods or services; wherein the short range radio frequency device and payment source information obviates the user from having to carry at least one other currency or payment source on their person; wherein the radio frequency device comprises a passive radio frequency identification device configured to utilize radio frequency energy incident thereon and generated from the interrogation apparatus or reader to generate a reply, the reply including at least a portion of the payment source information; and wherein the encoding with information specific to a user of the device, the information including payment source information, comprises encoding of the mobile user device by a third party after its manufacture. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26)
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27. A method of causing enabling of a cellular-enabled smart-phone for wireless payment for at least one of goods or services, the method comprising:
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providing a cellular-enabled smart-phone, the smart-phone comprising a short range passive radio frequency device disposed thereon or therein at time of manufacture of the smart-phone, the smart-phone configured to be encoded with information specific to a user of the device; and enabling encoding of the smart-phone by the user with said information specific to the user, the information including information relating to at least one of an existing credit or debit or prepaid account associated with the user; wherein the encoded smart-phone with radio frequency device is configured to, when placed in proximity to an interrogation or reader apparatus disposed at a point of sale of goods or services, allow; the user to use the smart-phone to conduct a wireless payment transaction for at least one of the goods or services from the at least one existing account by way of at least one data transmission from the radio frequency device, the transmission instigated at least in part by electromagnetic energy radiated by the interrogation or reader apparatus, the at least one data transmission comprising at least a portion of the information relating to the existing payment account associated with the user; and the smart-phone to receive data related to the wireless payment transaction for storage thereon; wherein the conduct of the wireless payment transaction further causes data related to the transaction to be transmitted to a network entity for inclusion on a monthly account statement of the user. - View Dependent Claims (28)
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29. A method of causing enabling of a cellular-enabled smart-phone for wireless payment for at least one of goods or services, the method comprising:
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providing a cellular-enabled smart-phone, the smart-phone comprising a short range passive radio frequency device disposed thereon or therein at time of manufacture of the mobile device, the smart-phone configured to be encoded with information specific to a user of the device; and enabling encoding of the smart phone by the user with said information specific to the user, the information including information relating to at least one of an existing credit or debit or prepaid account associated with the user; wherein the encoded smart-phone with radio frequency device is configured to, when placed in proximity to an interrogation or reader apparatus disposed at a point of sale of goods or services, allow; the user to use the smart-phone to conduct a wireless payment transaction for at least one of the goods or services from the at least one existing account by way of at least one data transmission from the radio frequency device, the transmission instigated at least in part by electromagnetic energy radiated by the interrogation or reader apparatus, the at least one data transmission comprising at least a portion of the information relating to the existing payment source associated with the user; and the smart-phone to receive data related to the wireless payment transaction for storage thereon, the data related to the transaction including at least one of (i) a date/time;
(ii) at least one of a) a user identification and/or b) a location of the transaction, and/or (iii) a payment method, and transfer of the data to the smart-phone being fully automated and requiring no user action or intervention. - View Dependent Claims (30)
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Specification