Electronic purchase transaction trust infrastructure

• US 8,862,181 B1
• Filed: 05/29/2012
• Issued: 10/14/2014
• Est. Priority Date: 05/29/2012
• Status: Active Grant

• Current Assignee: T-Mobile Innovations LLC (Deutsche Telekom AG)
• Original Assignee: Sprint Communications Company LP (Deutsche Telekom AG)
• Inventors: Cope, Warren B., Paczkowski, Lyle W.
• Primary Examiner(s): Arevalo, Joseph
• Application Number:
  US13/482,731
• Time in Patent Office: 868 Days
• Field of Search: 455/41.1, 455/411, 455/410, 455/456.1, 455/39, 455/550.1, 455/403, 455/450
• US Class Current: 455/556.1
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: H04M 1/2755 by optical scanning
• CPC Class Codes: H04M 1/72403 with means for local support of applications that increase the functionality
• CPC Class Codes: H04M 2250/04 including near field communication means, e.g. RFID
• CPC Class Codes: H04M 2250/52 including functional features of a camera

Abstract

A mobile phone comprising a processor, a non-transitory memory, and an application stored in the non-transitory memory. When executed by the processor, the application receives an indicia of a product provided by a peripheral device of the mobile phone, identifies a product based on the indicia, analyzes options for paying electronically for the product, and presents a proposal for paying electronically for the product.

Claims

1. A mobile phone, comprising:

a peripheral device of the mobile phone;

a cellular radio transceiver of the mobile phone;

a processor of the mobile phone;

a non-transitory memory of the mobile phone; and

an application stored in the non-transitory memory of the mobile phone that, when executed by the processor of the mobile phone;

receives an indicia of each of a plurality of products provided by a from the peripheral device of the mobile phone,

identifies the products based on each received indicia,

retrieves, from the non-transitory memory of the mobile phone, a plurality of payment rules, wherein a first payment rule of the plurality of payment rules provides that a first category of product items are to be paid from a first payment account of a plurality of payment accounts and a second payment rule of the plurality of payment rules provides that a second category of product items are to be paid from a second payment account of the plurality of payment accounts,

analyzes, on the mobile phone, the plurality of payment rules including the first and second payment rules that are associated with making an electronic payment for the identified products, wherein the analysis of the first payment rule identifies a first subset of the identified products as associated with the first category of product items and the analysis of the second payment rule identifies a second subset of the identified products as associated with the second category of product items,

based on the analysis of the plurality of payment rules including the first and second payment rules, identifies the first payment account for paying for the first subset of the identified products and the second payment account for paying for the second subset of the identified products,

in response to identifying the first and second payment accounts, presents, on a display, the identification of the first payment account with the first subset of identified products and the identification of the second payment account with the second subset of identified products for making an electronic payment for at least some of the identified products, and

transmits, by the mobile phone, a first payment transaction message that identifies the first payment account corresponding with the first subset of the identified products and a second payment transaction message that identifies the second payment account corresponding with the second subset of the identified products as an electronic payment for the at least some of the identified products.

2. The mobile phone of claim 1, wherein the application, when executed by the processor, further presents, on the mobile phone, a notification that displays a product discount based on at least one of the received indicia.

3. The mobile phone of claim 1, further comprising a near field communication (NFC) transceiver, wherein at least one of the first payment message or second payment message is transmitted by the mobile phone using the cellular radio transceiver, the NFC transceiver, or both.

4. The mobile phone of claim 1, wherein the peripheral device comprises a digital camera that is configured to capture an image of the indicia that includes a bar code.

5. The mobile phone of claim 1, wherein the peripheral device is a near field communication (NFC) transceiver configured to read the indicia from a radio frequency identity (RFID) chip coupled to one of the products.

6. The mobile phone of claim 1, wherein at least one of the plurality of payment rules is user defined.

7. The mobile phone of claim 1, wherein the processor comprises a trusted security zone, and wherein the application executes in the trusted security zone.

8. A method of completing a payment transaction, comprising:

scanning, by a mobile phone, each indicia of a plurality of products;

identifying the products based on each scanned indicia;

retrieving, from a non-transitory memory of the mobile phone, a plurality of payment rules, wherein a first payment rule of the plurality of payment rules provides that a first category of product items are to be paid from a first payment account of a plurality of payment accounts and a second payment rule of the plurality of payment rules provides that a second category of product items are to be paid from a second payment account of the plurality of payment accounts;

analyzing, by the mobile phone, the plurality of payment rules including the first and second payment rules that are associated with making an electronic payment for the identified products, wherein the analysis of the first payment rule identifies a first subset of the identified products as associated with the first category of product items and the analysis of the second payment rule identifies a second subset of the identified products as associated with the second category of product items;

based on analyzing the plurality of payment rules including the first and second payment rules, identifying the first payment account for paying for the first subset of the identified products and the second payment account for paying for the second subset of the identified products; and

subsequent to identifying the first and second payment accounts, transmitting, by the mobile phone, a first payment transaction message that identifies the first payment account corresponding with the first subset of the identified products and a second payment transaction message that identifies the second payment account corresponding with the second subset of the identified products to electronically pay for at least some of the identified products.

9. The method of claim 8, wherein scanning each indicia comprises capturing, by a camera of the mobile phone, an image of the indicia that includes a bar code, and analyzing the bar code based on the captured image.

10. The method of claim 8, wherein scanning each indicia comprises receiving a radio frequency identity (RFID) transmission from one of the plurality of products, and analyzing the received RFID transmission.

11. The method of claim 8, wherein analyzing the plurality of payment rules comprises analysis of at least one payment rule that is a user-defined payment rule.

12. The method of claim 8, wherein analyzing the plurality of payment rules comprises incorporating consideration of pricing discounts of at least one of the identified products and related products.

13. The method of claim 12, further comprising presenting, on a display of the mobile phone, a notification associated with a pricing discount of at least one of the identified products and related products.

14. A method of completing a payment transaction, comprising:

scanning, by a mobile phone, indicia of a plurality of products;

accumulating, by the mobile phone, information about the plurality of scanned products in a trusted security zone of the mobile phone, wherein accumulating information comprises identifying products based on the scanned indicia of the products;

retrieving, from a non-transitory memory of the mobile phone, a plurality of payment rules, wherein a first payment rule of the plurality of payment rules provides that a first category of product items are to be paid from a first payment account of a plurality of payment accounts and a second payment rule of the plurality of payment rules provides that a second category of product items are to be paid from a second payment account of the plurality of payment accounts;

analyzing, by the mobile phone, the plurality of payment rules including the first and second payment rules that are associated with making an electronic payment for the identified products, wherein the analysis of the first payment rule identifies a first subset of the identified products as associated with the first category of product items and the analysis of the second payment rule identifies a second subset of the identified products as associated with the second category of product items;

based on analyzing the plurality of payment rules including the first and second payment rules, identifying the first payment account for paying for the first subset of the identified products and the second payment account for paying for the second subset of the identified products;

subsequent to identifying the first and second payment accounts, transmitting, via a trusted communication infrastructure of the mobile phone, a first payment transaction message that identifies the first payment account corresponding with the first subset of the identified products and a second payment transaction message that identifies the second payment account corresponding with the second subset of the identified products to electronically pay for at least some of the identified products to a trusted security zone of a server computer; and

presenting, on a display of the mobile phone, a notification confirming that an enterprise in which the plurality of products are being sold has received payment for the at least some of the identified products corresponding to the first and second payment transaction messages transmitted by the mobile phone.

15. The method of claim 14, wherein the trusted security zone of the mobile phone stores an authentication token, wherein the authentication token is transmitted to the trusted security zone of the server computer.

16. The method of claim 14, wherein the trusted communication infrastructure of the mobile phone uses a cellular wireless communication link.

17. The method of claim 16, wherein the cellular wireless communication link is established according to one of a code division multiple access (CDMA) protocol, a global system for mobile communications (GSM) protocol, a long-term evolution (LTE) protocol, or a worldwide interoperability for microwave access (WiMAX) protocol.

18. The method of claim 14, wherein transmitting the first and second payment transaction messages occurs subsequent to presenting, on the display of the mobile phone, a discount accepted by the enterprise.

19. The method of claim 14, wherein at least one of the plurality of payment rules is user-defined.

20. The method of claim 14, further comprising displaying, on the display of the mobile phone, a discount based on at least one of the scanned indicia or the accumulated information.