Personal interface device and method

• US 8,380,636 B2
• Filed: 06/22/2011
• Issued: 02/19/2013
• Est. Priority Date: 11/06/2002
• Status: Expired due to Term

• Current Assignee: Emmitt J. Smith III
• Original Assignee: Emmitt J. Smith III
• Inventors: Smith, Emmitt J. III
• Primary Examiner(s): Shaawat, Mussa A
• Application Number:
  US13/166,584
• Publication Number:
  US 20110251908A1
• Time in Patent Office: 608 Days
• Field of Search: None
• US Class Current: 705/65
• 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 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/383 Anonymous user system
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G07C 9/23 by means of a password
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/12 Card verification
• CPC Class Codes: G07F 7/122 Online card verification
• CPC Class Codes: G07G 1/01 Details for indicating displaying information in general G09F, G09G
• CPC Class Codes: G07G 1/12 electronically operated digital data processing aspects G06Q20/00

Abstract

A personal device is provided. The personal device includes an identification verification system that receives first identification data from a physical identification device, such as by inserting a driver'"'"'s license into a card reader that is adapted to receive a driver'"'"'s license. Second identification data such as a PIN number is also received. Payment authorization data or other suitable data is generated if the driver'"'"'s license corresponds to the PIN. A payment selection system or other suitable system receives the payment authorization data and displays one or more payment accounts for selection by a user. Where a payment selection system is used, the payment selection system transmits payment account data to a point-of-sale system.

Claims

1. A device comprising:

an RFID system receiving RFID data from a plurality of products;

a transaction tracking system for receiving the RFID data and storing product data corresponding to each of the plurality of products in one or more predetermined categories; and

a query system for receiving the product data, determining that the product data has not been assigned to a classification, and generating a classification query to allow the product data to be assigned to a classification; and

an identification verification system for receiving identification data and generating payment authorization data if the identification data corresponds to stored identification data.

2. The device of claim 1 wherein the transaction tracking system further comprises a remote transaction data system for receiving the RFID data and generating transaction data.

3. The device of claim 1 further comprising:

a transaction processing system for receiving payment account data; and

a point-of-sale system for receiving the payment account data from the transaction processing system and providing transaction data to the transaction processing system.

4. A method for controlling payment from a personal device comprising:

reading RFID data from a plurality of products with an RFID reader of the personal device;

determining with a processor of the personal device that at least one of the plurality of products has not been assigned to a classification;

generating a classification query to allow product data associated with the product to be assigned to the classification;

generating transaction data from the RFID data;

receiving identification data at the personal device;

wirelessly transmitting the transaction data and identification data to a remote transaction processing system;

wirelessly receiving transaction authentication data in response to the transmitted transaction data and identification data if the identification data corresponds to stored identification data; and

storing the RFID data to a category as a function of the transaction authorization data.

5. The method of claim 4 wherein receiving the identification data comprises receiving driver'"'"'s license data.

6. The method of claim 5 further comprising transmitting the driver'"'"'s license data to a remote payment processor for use in authorizing a payment transaction.

7. The method of claim 4 further comprising:

transmitting a selected payment account to a transaction authorization system; and

receiving transaction authorization data from the transaction authorization system.

8. The method of claim 4 further comprising transmitting the transaction data to the personal device.

9. The method of claim 4 further comprising generating the transaction data at the personal device.

10. The method of claim 4 wherein the transaction data is transmitted to the personal device through the transaction processing system.

11. The method of claim 4 further comprising receiving the transaction data at the personal device after transmitting the identification data.

12. The method of claim 4 further comprising receiving transaction data at a user-controlled system after transmitting payment account data.

13. The method of claim 4 further comprising:

generating the transaction data at the personal device; and

transmitting the transaction data to the personal device.

14. The method of claim 13 further comprising receiving the transaction data at the personal device after transmitting the identification data.

15. The method of claim 13 further comprising receiving transaction data at a user-controlled system after transmitting payment account data.

16. The method of claim 13 wherein the transaction data is transmitted to the personal device through the transaction processing system.

17. The method of claim 13 further comprising receiving the transaction data at the personal device after transmitting the identification data.

18. The method of claim 13 further comprising receiving transaction data at a user-controlled system after transmitting payment account data.

19. The method of claim 4 further comprising:

transmitting the transaction data to the personal device through the transaction processing system; and

receiving the transaction data at the personal device after transmitting the identification data.

21. The method of claim 19 wherein receiving the identification data comprises receiving driver'"'"'s license data.

20. A method for controlling payment from a personal device comprising:

reading RFID data from a plurality of products with an RFID reader of the personal device;

determining with a processor of the personal device that at least one of the plurality of products has not been assigned to a classification;

generating a classification query to allow product data associated with the product to be assigned to the classification;

selecting a payment account;

generating transaction data from the RFID data and the selected payment account;

receiving identification data at the personal device;

wirelessly transmitting the transaction data and identification data to a remote transaction authorization system;

wirelessly receiving transaction authentication data in response to the transmitted transaction data and identification data if the identification data corresponds to stored identification data; and

storing the RFID data to a category as a function of the transaction authorization data.