Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
First Claim
1. A method of transferring funds between different accounts comprising the steps of expanding the function of a service provider'"'"'s central processing unit to include account and authorization information, identifying the user by sending the user identification information on the subchannel of a cellular phone or other wireless communication device, entering the function code on the keypad of the cellular phone or other wireless communication device, sending the function code to the central processing unit of the provider which identifies the desired transaction, determining at the central processing unit whether a personal identification number is needed, and supplying the central processing unit with the personal identification number if needed, authorizing the desired transaction, determining the different accounts involved in the transaction, and confirming completion of the transaction.
2 Assignments
0 Petitions
Accused Products
Abstract
The following procedures describe the use of cellular telephones and other analog or digital wireless communication devices to conduct transactions and activities. These procedures effectively allow such devices to function as an electronic wallet, a wireless PIN Pad, and a contactless Smart Card.
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Citations
98 Claims
- 1. A method of transferring funds between different accounts comprising the steps of expanding the function of a service provider'"'"'s central processing unit to include account and authorization information, identifying the user by sending the user identification information on the subchannel of a cellular phone or other wireless communication device, entering the function code on the keypad of the cellular phone or other wireless communication device, sending the function code to the central processing unit of the provider which identifies the desired transaction, determining at the central processing unit whether a personal identification number is needed, and supplying the central processing unit with the personal identification number if needed, authorizing the desired transaction, determining the different accounts involved in the transaction, and confirming completion of the transaction.
- 4. A method of verifying identity and authorizing access to a secured location comprising the steps of expanding the function of a service provider'"'"'s central processing unit to include secure independent verification of a user'"'"'s identity by sending the user identification information on the subchannel of a cellular phone or other wireless communication device, entering the function code on the keypad of the cellular phone or other wireless communication device, sending the function code to the central processing unit of the provider which identifies the desired transaction as access to the secured location, determining at the central processing unit whether a personal identification number is needed, and supplying the central processing unit with the personal identification number if needed, authorizing the desired transaction, and confirming completion of the transaction.
- 6. A method transferring funds between different accounts comprising the steps of expanding the function of a service provider'"'"'s central processing unit to include account and authorization information, receiving at the site of a transaction user identification information on the subchannel of a cellular phone or other wireless telecommunication device, transmitting a function code of a cellular phone or other wireless communication device the user identification information to the central processing unit of the provider which identifies the desired transaction, determining at the central processing unit whether a personal identification number is needed, and supplying the central processing unit with the personal identification number if needed, authorizing the desired transaction, determining the different accounts involved in the transaction, and confirming completion of the transaction.
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9. A method of using a wireless telephone to transfer funds between different accounts comprising:
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preparing the wireless telephone to engage in funds transfer, receiving user identification information by receiving wireless telephone identification information transmitted by the wireless telephone, entering a function code which identifies the desired funds transfer on the keypad of the wireless telephone, sending the function code to a central processing unit, authorizing the desired funds transfer, determining the different accounts involved in the funds transfer, and confirming completion of the funds transfer. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A method for realizing a payment transaction allowing a user, operating a wireless telephone, to pay a vendor for goods or services, the method comprising:
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preparing the wireless telephone to engage in the payment transaction, receiving user identification information by receiving wireless telephone identification information transmitted by the wireless telephone, receiving, at the wireless telephone, an instruction relating to the payment transaction, sending payment transaction instruction information a central processing unit to identify the payment transaction, authorizing, using the central processing unit, the payment transaction, and confirming completion of the transaction. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25)
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26. A method realizing a payment transaction allowing a user, operating a wireless telephone, to pay a highway toll, the method comprising:
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preparing the wireless telephone to engage in the toll payment transaction, receiving user identification information by receiving wireless telephone identification information transmitted by the wireless telephone, receiving at the wireless telephone, an instruction relating to the highway toll payment transaction, sending highway toll payment instruction information to a central processing unit to identify the highway toll payment transaction, authorizing, using the central processing unit, the highway toll payment transaction, and confirming completion of the highway toll payment transaction. - View Dependent Claims (27, 28, 29, 30, 31, 32, 33, 34)
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35. A method realizing a payment transaction allowing a user, operating a wireless telephone to pay a public transit fare, the method comprising:
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preparing the wireless telephone to engage in the transit fare payment transaction, receiving user identification information by receiving wireless telephone identification information transmitted by the wireless telephone, receiving, at the wireless telephone, an instruction relating to the transit fare payment transaction, sending transit fare payment instruction information to a central processing unit to identify the transit fare payment transaction, authorizing, using the central processing unit, the transit fare payment transaction, and confirming completion of the transit fare payment transaction. - View Dependent Claims (36, 37, 38, 39, 40, 41, 42, 43)
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44. A method realizing a payment transaction allowing a user, operating a wireless telephone, to pay a parking garage fee, the method comprising:
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preparing the wireless telephone to engage in the parking garage fee payment transaction, receiving user identification information by receiving wireless telephone identification information transmitted by the wireless telephone, receiving, at the wireless telephone an instruction identifying the parking garage fee payment transaction, sending parking garage fee payment instruction information to a central processing unit to identify the parking garage fee payment transaction, authorizing, using the central processing unit, the parking garage fee transaction, and confirming completion of the parking garage fee transaction. - View Dependent Claims (45, 46, 47, 48, 49, 50, 51, 52)
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53. A method realizing an account inquiry transaction allowing a user, operating a wireless telephone, to obtain account balance information, the method comprising:
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preparing the wireless telephone to engage in account balance inquiry transaction, receiving user identification information by receiving wireless telephone identification information transmitted by the wireless telephone, receiving, at the wireless telephone, an account inquiry instruction identifying the account inquiry transaction, sending account inquiry instruction information to a central processing unit to identify the account inquiry transaction, authorizing, using the central processing unit, the account inquiry transaction, and completing the account inquiry transaction.
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54. A method allowing a user of a wireless telephone to transfer funds between different accounts comprising the steps of:
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preparing the wireless telephone engage in the funds transfer, receiving user identification information receipt of wireless telephone identification information, receiving from the wireless telephone identification of a function corresponding to funds transfer, operating on the funds transfer function at a central processing unit, determining the different accounts involved in the funds transfer, and authorizing the desired funds transfer. - View Dependent Claims (55, 56, 57, 58, 59, 60, 61)
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62. A method allowing realization of a payment transaction by a user, operating a wireless telephone, paying a vendor for goods or services, the method comprising the steps of:
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preparing the wireless telephone to engage in the payment transaction, receiving user identification information by receipt of wireless telephone identification information, receiving, from the wireless telephone, an instruction relating to the payment transaction, sending payment transaction instruction information to a central processing unit to identify the payment transaction, and authorizing, using the central processing unit, the payment transaction. - View Dependent Claims (63, 64, 65, 66, 67, 68, 69, 70)
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71. A method allowing the realization of a payment transaction allowing a user, operating a wireless telephone, to pay a highway toll, the method comprising:
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preparing the wireless telephone to engage in the toll payment transaction, receiving user identification information by receipt of wireless telephone identification information, receiving, from the wireless telephone, an instruction relating to the highway toll payment transaction, sending highway toll payment instruction information to a central processing unit to identify the highway toll payment transaction, and authorizing, using the central processing unit, the highway toll payment transaction. - View Dependent Claims (72, 73, 74, 75, 76, 77, 78, 79)
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80. A method allowing the realization of a payment transaction allowing a user, operating a wireless telephone, to pay a public transit fare, the method comprising:
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preparing the wireless telephone to engage in the transit fare payment transaction, receiving user identification information by receipt of wireless telephone identification information, receiving from the wireless telephone, an instruction relating to the transit fare payment transaction, sending transit fare payment instruction information to a central processing unit to identify the transit fare payment transaction, and authorizing, using the central processing unit, the transit fare payment transaction. - View Dependent Claims (81, 82, 83, 84, 85, 86, 87, 88)
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89. A method allowing the realization of a payment transaction allowing a user, operating a wireless telephone, to pay a parking garage fee, the method comprising:
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preparing the wireless telephone to engage in the parking garage fee payment transaction, receiving user identification information by receipt of wireless telephone identification information, receiving, from the wireless telephone an instruction identifying the parking garage fee payment transaction, sending parking garage fee payment instruction information to a central processing unit to identify the parking garage fee payment transaction, and authorizing, using the central processing unit, the parking garage fee transaction. - View Dependent Claims (90, 91, 92, 93, 94, 95, 96, 97)
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98. A method allowing the realization of an account inquiry transaction allowing a user, operating a wireless telephone, to obtain account balance information, the method comprising:
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preparing the wireless telephone to engage in the account inquiry transaction, receiving user identification information by receipt of wireless telephone identification information, receiving, from the wireless telephone, an account inquiry instruction identifying the account inquiry transaction, sending account inquiry instruction information to a central processing unit to identify the account inquiry transaction, and authorizing, using the central processing unit, the account inquiry transaction.
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Specification