NFC-based payments tagging

• US 10,262,311 B1
• Filed: 12/15/2015
• Issued: 04/16/2019
• Est. Priority Date: 12/17/2014
• Status: Active Grant

• Current Assignee: Blazer And Flip Flops, Inc.
• Original Assignee: Blazer And Flip Flops, Inc.
• Inventors: Cronin, John, Cronin, Seth Melvin
• Primary Examiner(s): Ade, Garcia
• Application Number:
  US14/970,328
• Time in Patent Office: 1,218 Days
• Field of Search: 705 21
• 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 20/102 Bill distribution or payments
• 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 20/3278 RFID or NFC payments by means of M-devices

Abstract

The present invention communicates with a point of sale terminal using near field data communications and a purchase is either allowed or denied by a billing statement network according to a set of parameters.

Claims

1. A method for near field communication (NFC)-based payment tagging, the method comprising:

receiving information regarding a requested NFC-based transaction involving a user device, the information received via an NFC interface of the user device;

receiving annotation input associated with the requested NFC transaction at the user device, wherein the annotation input is entered by a user via a user interface of the user device;

identifying a current location of the user device via a global positioning system (GPS) at a time of the requested NFC-based transaction;

transmitting the received information, the received annotation input, and the identified current location over a communication network to a network server, wherein the network server further identifies a current location of a merchant associated with the requested NFC-based transaction at a time of the requested NFC-based transaction, and conditions approval of the requested NFC-based transaction on the current location of the user device matching the current location of the merchant;

receiving a request for an NFC-based transactions statement associated with an account of the user device, the request for the NFC-based transactions statement sent to the network server; and

displaying the requested NFC-based transactions statement on the screen of the user device based on a response sent from the network server, wherein the displayed NFC-based transactions statement includes at least the received information regarding the requested NFC-based transaction and the associated annotation input.

2. The method of claim 1, wherein the requested NFC-based transactions statement includes NFC-based transactions that are associated with different fund sources.

3. The method of claim 1, wherein displaying the requested NFC-based transactions statement comprises generating a display of a geographic map that indicates the location associated with each NFC-based transaction in the requested NFC-based transactions statement.

4. The method of claim 1, further comprising cross-referencing the location with the associated annotation input and the received information regarding the requested NFC-based transaction.

5. The method of claim 1, wherein the annotation input includes at least one of an image taken by a camera of the user device and text notes entered via the user interface of the user device.

6. The method of claim 1, wherein an appearance of the displayed NFC-based transactions statement is customizable based on user input.

14. The method of claim 1, wherein the displayed NFC-based transactions statement further includes a different NFC-based transaction that is associated with different annotation input.

15. The method of claim 1, wherein approval of the requested NFC-based transaction is further based on stored rules in memory.

16. The method of claim 15, wherein the stored rules collectively apply to the user device and to at least one other NFC-capable user device.

17. The method of claim 16, wherein the displayed NFC-based transactions statement further includes a different NFC-based transaction that is associated with the other NFC-capable user device.

18. The method of claim 15, wherein at least one of the rules specifies a limit on a total amount of NFC-based transactions allowed within a defined time period.

19. The method of claim 15, wherein at least one of the rules specifies a location where NFC-based transactions are not allowed.

20. The method of claim 15, wherein at least one of the rules specifies a limit on a total amount of the requested NFC-based transaction.

7. A device for near field communication (NFC)-based payment tagging, the device comprising:

an NFC interface that receives information regarding a requested NFC-based transaction involving a user device;

a global positioning system (GPS) that identifies a current location of the user device at a time of the requested NFC-based transaction;

a user interface that receives annotation input associated with the requested NFC transaction, wherein the annotation input is entered by a user;

a wireless communication interface that;

transmits the received information, the received annotation input, and the identified current location over a communication network to a network server, wherein the network server further identifies a current location of a merchant associated with the requested NFC-based transaction at a time of the requested NFC-based transaction, and conditions approval of the requested NFC-based transaction on the current location of the user device matching the current location of the merchant, and

sends a request for an NFC-based transactions statement associated with an account of the user device to the network server; and

a screen that displays the requested NFC-based transactions statement based on a response sent from the network server, wherein the displayed NFC-based transactions statement includes at least the received information regarding the requested NFC-based transaction and the associated annotation input.

8. The device of claim 7, wherein the requested NFC-based transactions statement includes NFC-based transactions that are associated with different fund sources.

9. The device of claim 7, wherein the screen displays the requested NFC-based transactions statement by generating a display of a geographic map that indicates the location associated with each NFC-based transaction in the requested NFC-based transactions statement.

10. The device of claim 7, wherein the screen further cross-references the location with the associated annotation input and the received information regarding the requested NFC-based transaction.

11. The device of claim 7, wherein the annotation input includes at least one of an image taken by a camera of the user device and text notes entered via the user interface of the user device.

12. The device of claim 7, wherein an appearance of the displayed NFC-based transactions statement is customizable based on user input entered via the user interface.

13. A non-transitory computer-readable storage medium, having embodied thereon a program executable by a processor to perform a method for near field communication (NFC)-based payment tagging, the method comprising:

receiving information regarding a requested NFC-based transaction involving a user device, the information received via an NFC interface of the user device;

receiving annotation input associated with the requested NFC transaction at the user device, wherein the annotation input is entered by a user via a user interface of the user device;

identifying a current location of the user device via a global positioning system (GPS) at a time of the requested NFC-based transaction;

transmitting the received information, the received annotation input, and the identified current location over a communication network to a network server, wherein the network server further identifies a current location of a merchant associated with the requested NFC-based transaction at a time of the requested NFC-based transaction, and conditions approval of the requested NFC-based transaction on the current location of the user device matching the current location of the merchant;

receiving a request for an NFC-based transactions statement associated with an account of the user device, the request for the NFC-based transactions statement sent to the network server; and

displaying the requested NFC-based transactions statement on the screen of the user device based on a response sent from the network server, wherein the displayed NFC-based transactions statement includes at least the received information regarding the requested NFC-based transaction and the associated annotation input.