Multi-function transaction device

• US 9,704,327 B2
• Filed: 01/12/2011
• Issued: 07/11/2017
• Est. Priority Date: 08/17/2006
• Status: Active Grant

• Current Assignee: Verizon Patent and Licensing Incorporated (Verizon Communications Inc.)
• Original Assignee: Verizon Patent and Licensing Incorporated (Verizon Communications Inc.)
• Inventors: Vawter, Jamison
• Primary Examiner(s): WALSH, DANIEL I
• Application Number:
  US13/005,118
• Publication Number:
  US 20110105022A1
• Time in Patent Office: 2,372 Days
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/145 Payments according to the detected use or quantity
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data

Abstract

A mobile communication device may include one or more devices configured to: receive, from a server, identity information corresponding to transaction information stored on the server, the transaction information being associated with at least one transaction completed between the mobile communication device and a user device; send, to a transaction device, the identity information to establish a communication session to conduct a transaction between the transaction device and the mobile communication device; and receive, from the transaction device, a payment request associated with the transaction between the transaction device and the mobile communication device, and generated using the transaction information provided by the server.

Claims

1. A mobile communication device comprising:

a memory to store instructions;

one or more processors configured to execute the instructions to;

receive a query generated by a transaction device based on a proximity of the mobile communication device to the transaction device;

send, responsive to the query, identity information to a server via a network;

receive, from the server via the network and based on the identity information, transaction information including;

a transaction identifier and a merchant identifier corresponding to at least one purchase transaction completed between a user of the mobile communication device and a user device associated with the merchant identifier, and

information identifying merchants that are authorized to participate in near field transactions with the mobile communication device;

send, to the transaction device via a near field wireless link, at least some of the transaction information to establish a communication session to conduct a purchase transaction between the transaction device and the mobile communication device; and

receive, from the transaction device via the near field wireless link, a payment request associated with the purchase transaction between the transaction device and the mobile communication device, and generated using the transaction information provided by the server.

2. The mobile communication device of claim 1, wherein the one or more processors are further configured to execute the instructions to:

retrieve, responsive to the payment request, payment information corresponding to the purchase transaction between the transaction device and the mobile communication device; and

send the payment information to the server to provide payment corresponding to the payment request.

3. The mobile communication device of claim 2, wherein the one or more processors are further configured to execute the instructions to:

receive, from the transaction device, a receipt indicative of the provided payment; and

send a copy of the receipt to the server.

4. The mobile communication device of claim 1, wherein the user device comprises the transaction device, and the at least one purchase transaction comprises a plurality of purchase transactions between the mobile communication device and the transaction device conducted prior to the purchase transaction between the transaction device and the mobile communication device.

5. The mobile communication device of claim 1, wherein the transaction information further comprises identification of items purchased, quantities of the items purchased, sizes, shapes, or styles of the items purchased, and date or time information related to the at least one purchase transaction.

6. The mobile communication device of claim 1, wherein the one or more processors are further configured to execute the instructions to:

receive, from the transaction device during the purchase transaction between the transaction device and the mobile communication device, transaction data presented via a display of the transaction device; and

display the transaction data during the purchase transaction between the transaction device and the mobile communication device.

7. A method performed in a transaction device, comprising:

sensing, by the transaction device, a presence of a mobile communication device within a particular proximity of the transaction device;

generating, based on the sensing, a query requesting information;

sending, via a near field wireless link, the query to the mobile communication device;

receiving, from the mobile communication device via the near field wireless link and responsive to the query, the information including a transaction identifier and a merchant identifier corresponding to transaction information stored on a server, wherein the transaction information is associated with at least one purchase transaction completed between a user of the mobile communication device and a user device associated with the merchant identifier;

establishing, via the near field wireless link, a communication session to conduct a purchase transaction between the transaction device and the mobile communication device;

sending, via a network, a request to the server;

receiving, via the network and responsive to the request, the transaction information from the server;

generating, using the transaction information, a payment request corresponding to the purchase transaction between the transaction device and the mobile communication device; and

sending, to the mobile communication device via the near field wireless link, the payment request.

8. The method of claim 7, further comprising:

receiving, from the server, a payment corresponding to the payment request;

generating a receipt indicative of the payment; and

sending the receipt to the mobile communication device.

9. The method of claim 7, wherein the user device comprises the transaction device, and the at least one purchase transaction comprises a plurality of purchase transactions between the user of the mobile communication device and the transaction device conducted prior to the purchase transaction between the transaction device and the mobile communication device.

10. The method of claim 7, wherein the received information further comprises identification of items purchased, quantities of the items purchased, sizes, shapes, or styles of the items purchased, and date/time information related to the at least one purchase transaction.

11. The method of claim 7, further comprising:

providing, to the mobile communication device during the purchase transaction between the transaction device and the mobile communication device, data associated with the transaction for presentation via a display of the mobile communication device; and

displaying, during the transaction between the transaction device and the mobile communication device, the data associated with the purchase transaction via a display of the transaction device.

12. A method performed in a server, comprising:

sending, to a mobile communication device via a wireless network and responsive to a presence of the mobile communication device within a sensed proximity of a transaction device, information including merchants authorized to participate in near field transactions with the mobile communication device, a transaction identifier and a merchant identifier corresponding to transaction information stored on the server, wherein the transaction information is associated with at least one purchase transaction completed between a user of the mobile communication device and a user device associated with the merchant identifier;

receiving, from the transaction device via a data network, a request based on the sent information and relating to a purchase transaction between the mobile communication device and the transaction device; and

sending, to the transaction device responsive to the request, the transaction information for conducting the purchase transaction between the mobile communication device and the transaction device.

13. The method of claim 12, wherein the sent information further comprises identification of items purchased, quantities of the items purchased, sizes, shapes, or styles of the items purchased, and date or time information related to the at least one purchase transaction.

14. The method of claim 12, further comprising:

receiving, from the transaction device, a payment request corresponding to the purchase transaction;

receiving, from the mobile communication device, payment information corresponding to the purchase transaction; and

providing, to the transaction device, payment corresponding to the payment request.

15. The method of claim 14, further comprising:

receiving, from the mobile communication device, a copy of a receipt indicative of the provided payment; and

storing the receipt with the transaction information.

16. The method of claim 12, wherein the user device comprises the transaction device, and the at least one purchase transaction comprises a plurality of purchase transactions between the user of the mobile communication device and the transaction device conducted prior to the purchase transaction between the mobile communication device and the transaction device.

17. The method of claim 12, further comprising:

performing, based on the request, authorization of the mobile communication device; and

sending, to the transaction device, an authorization message indicative of a result of the authorization.

18. The method of claim 12, wherein the method is implemented as a managed service, based on a subscription, to at least one of:

a user of the mobile communication device,

the transaction device, or

the user device.