Activity management method
First Claim
Patent Images
1. A method of managing an activity between a portable token and a point-of-sale (“
- POS”
) terminal wherein the portable token includes a processor, a memory operatively coupled to the processor, the memory storing code executed by the processor and a user profile comprising a plurality of sets of user profile data, each set of user profile data pertaining to at least one of plurality of providers, said method comprising;
broadcasting, via short-wavelength radio waves, an activity request, initiated from said portable token by a user, with identification data identifying said portable token requesting a communication with a first POS terminal of a first provider;
upon mutual authentication between said portable token and said first POS terminal, using a first user profile stored on said portable token representing transactional history between said portable token and said first POS terminal to facilitate assessing the user'"'"'s activity request based on an index returned from said portable token to said first POS terminal, said index based on said first user profile pertaining to said first provider stored on said portable token;
receiving a query from said first POS terminal via said short-wavelength radio waves requesting permission to use of one or more other user profile pertaining to one or more other providers stored on said portable token representing transactional history between said portable token and one or more other POS terminals of said one or more other providers;
upon authenticating said query by said portable token, using said one or more other user profile stored on said portable token to continue facilitating said activity request;
receiving one or more additional indices from said portable token based additionally on said one or more other user profile; and
determining a response, by said first POS terminal, to said user'"'"'s activity request based on said additional indices via said short-wavelength radio waves in an offline environment such that communication occurs between said portable token and said first POS terminal without online access to a remote host.
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Accused Products
Abstract
The invention provides a method of managing an activity, including: a user making a request to engage in an activity with a first of a plurality of providers; and the user presenting to the first provider with a personal data storage device, the device provided with identification data to identify the user and a user profile comprising a plurality of sets of user profile data, each set of user profile data pertaining to at least one of the plurality of providers; wherein the user'"'"'s request to engage in the activity is assessed according to one or more sets of the user profile data.
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Citations
41 Claims
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1. A method of managing an activity between a portable token and a point-of-sale (“
- POS”
) terminal wherein the portable token includes a processor, a memory operatively coupled to the processor, the memory storing code executed by the processor and a user profile comprising a plurality of sets of user profile data, each set of user profile data pertaining to at least one of plurality of providers, said method comprising;broadcasting, via short-wavelength radio waves, an activity request, initiated from said portable token by a user, with identification data identifying said portable token requesting a communication with a first POS terminal of a first provider; upon mutual authentication between said portable token and said first POS terminal, using a first user profile stored on said portable token representing transactional history between said portable token and said first POS terminal to facilitate assessing the user'"'"'s activity request based on an index returned from said portable token to said first POS terminal, said index based on said first user profile pertaining to said first provider stored on said portable token; receiving a query from said first POS terminal via said short-wavelength radio waves requesting permission to use of one or more other user profile pertaining to one or more other providers stored on said portable token representing transactional history between said portable token and one or more other POS terminals of said one or more other providers; upon authenticating said query by said portable token, using said one or more other user profile stored on said portable token to continue facilitating said activity request; receiving one or more additional indices from said portable token based additionally on said one or more other user profile; and determining a response, by said first POS terminal, to said user'"'"'s activity request based on said additional indices via said short-wavelength radio waves in an offline environment such that communication occurs between said portable token and said first POS terminal without online access to a remote host. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
- POS”
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19. A method of managing a communication between a mobile phone and a point-to-sale (“
- POS”
) terminal via short-wavelength radio waves, wherein said mobile phone includes a processor, a memory operatively coupled to the processor, the memory storing code executed by the processor and a user profile comprising a plurality of sets of user profile data, each set of user profile data pertaining to at least one of plurality of providers, said method comprising;broadcasting, via said short-wavelength radio waves, an activity request, initiated from said mobile phone by a user, with identification data identifying said mobile phone requesting a communication between said mobile phone and a first POS terminal of a first provider; upon mutual authentication between said mobile phone and said first POS terminal, using a first user profile stored on said mobile phone representing transactional history between said mobile phone and said first POS terminal to facilitate assessing the user'"'"'s activity request based on an index returned from said mobile phone to said first POS terminal, said index based on said first user profile pertaining to said first provider stored on said mobile phone; receiving a query from said first POS terminal via said short-wavelength radio waves requesting use of one or more other user profile pertaining to one or more other providers stored on said mobile phone representing transactional history between said mobile phone and one or more other POS terminals of said one or more other providers; upon authenticating said query by said mobile phone, using said one or more other user profile stored on said mobile phone to continue facilitating said activity request; receiving one or more additional indices from said mobile phone based additionally on said one or more other user profile; and determining a response, by said first POS terminal, to said user'"'"'s activity request based on said additional indices via said short-wavelength radio waves in an offline environment such that communication occurs between said mobile phone and said first POS terminal without online access to a remote host. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27)
- POS”
- 28. The method as claimed in 27, including updating said set of user profile data pertaining to said first provider to reflect said activity after said activity is completed.
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37. A personal portable data storage device for allowing a user to utilize said storage device to communicate with a point-of-sale (“
- POS”
) terminal wherein said storage device contains a processor, a memory operatively coupled to the processor, the memory storing code executed by the processor and a user profile comprising a plurality of sets of user profile data, each set of user profile data pertaining to at least one of plurality of providers for performing the steps comprising;making an activity request via short-wavelength radio waves communication between said storage device and said POS terminal wherein the personal data storage device provided with identification data identifying said user; upon mutual authentication between said storage device and said first POS terminal, using a first user profile stored on said device representing transactional history between said storage device and said first POS terminal to facilitate assessing the user'"'"'s activity request based on an index returned from said storage device to said first POS terminal, said index based on said first user profile pertaining to said first provider stored on said storage device; receiving a query from said first POS terminal via said short-wavelength radio waves requesting use of one or more other user profile pertaining to one or more other providers stored on said storage device representing transactional history between said storage device and one or more other POS terminals of said one or more other providers; upon authenticating said query by said storage device, using said one or more other user profile stored on said storage device to continue facilitating said activity request; receiving one or more additional indices from said storage device based additionally on said one or more other user profile; and determining a response, by said first POS terminal, to said user'"'"'s activity request based on said additional indices via said short-wavelength radio waves in an offline environment such that communication occurs between said storage device and said first POS terminal without online access to a remote host. - View Dependent Claims (38, 39, 40)
- POS”
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41. A data storage system for managing exchange of data between a plurality of users and a plurality of providers, the system comprising:
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a personal portable data storage device for each user, each data storage device storing user profile data pertaining to one particular user; a point-of-sale (“
POS”
) terminal coupled to said personal portable data storage device via short-wavelength radio waves and configured to have at least one processing unit operable to interact with the personal portable storage devices to receive data therefrom, wherein the data storage device stores data in a plurality of sets, including a set of data comprising identification data identifying a user and a plurality of user profile data sets, one set for each of the providers; andwherein said personal portable data storage is configured to perform the steps comprising; broadcasting, via said short-wavelength radio waves an activity request, initiated from said personal portable data storage by a user, with identification data identifying said personal portable data storage requesting a communication between said personal portable data storage and a first POS terminal of a first provider; upon mutual authentication between said personal portable data storage and said first POS terminal, using a first user profile stored on said personal portable data storage representing transactional history between said personal portable data storage and said first POS terminal to facilitate assessing the user'"'"'s activity request based on an index returned from said personal portable data storage to said first POS terminal, said index based on said first user profile pertaining to said first provider stored on said personal portable data storage; receiving a query from said first POS terminal via said short-wavelength radio waves requesting use of one or more other user profile pertaining to one or more other providers stored on said personal portable data storage representing transactional history between said personal portable data storage and one or more other POS terminals of said one or more other providers; upon authenticating said query by said personal portable data storage, using said one or more other user profile stored on said personal portable data storage to continue facilitating said activity request; receiving one or more additional indices from said personal portable data storage based additionally on said one or more other user profile; and determining a response, by said first POS terminal, to said user'"'"'s activity request based on said additional indices via said short-wavelength radio waves in an offline environment such that communication occurs between said personal portable data storage and said first POS terminal without online access to a remote host.
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Specification