Electronic payment methods for a mobile device

• US 20040030601A1
• Filed: 08/06/2003
• Published: 02/12/2004
• Est. Priority Date: 09/29/2000
• Status: Active Grant

• Current Assignee: RPX Corporation
• Original Assignee: Nokia Corporation
• Inventors: Zalewski, Thomas W., Estep, Raymond J., Pond, Russell L.
• Granted Patent: US 7,774,231 B2
• Time in Patent Office: Days
• US Class Current: 705/16
• CPC Class Codes: B67D 7/145 by wireless communication means, e.g. RF, transponders or the like
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile 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: G06Q 20/349 Rechargeable cards
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 50/12 Hotels or restaurants
• CPC Class Codes: G07B 15/02 taking into account a variable factor such as distance or time, e.g. for passenger transport, parking systems or car rental systems G07B15/06 takes precedence; taximeters G07B13/00; parking meters per se G07F17/24; car rental systems per se G07B15/00
• CPC Class Codes: G07C 9/00904 for hotels, motels, office buildings or the like
• CPC Class Codes: G07C 9/00944 Details of construction or manufacture
• CPC Class Codes: G07F 17/24 for parking meters
• CPC Class Codes: H04M 1/7246 by connection of exchangeable housing parts
• CPC Class Codes: H04M 15/00 Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
• CPC Class Codes: H04M 17/026 Constructional features
• CPC Class Codes: H04M 2215/2026 : Wireless network, e.g. GSM, PCS, TACS
• CPC Class Codes: H04M 2215/32 : Involving wireless systems
• CPC Class Codes: H04M 2250/02 : including a Bluetooth interface
• CPC Class Codes: H04W 4/24 : Accounting or billing

Abstract

A system for facilitating electronic payments in a food service setting using a mobile device is provided. The mobile device interacts with a proximity reader to verify user upon entry into a food establishment and the rest of the transaction such as ordering items and paying for said items is accomplished using messaging.

Claims

1. A system for facilitating electronic payments in a food service setting using a mobile device enabled for short range proximity signaling and two way messaging, said system comprising:

a proximity reader for interacting with said mobile device presented to said proximity detector by a user, wherein said proximity reader uses short range proximity signaling to trigger the initiation of a mobile payment session;

a plurality of servers for providing authentication of user and processing payments;

a plurality of point of sale terminals to provide access to transaction information; and

a messaging system for providing mobile commerce messaging with said user, wherein said mobile commerce messaging includes digital content of at least one of digital cash, coupons, advertisements, games, ring-tones, graphics, videos via messaging, promotion of a plurality of different items to purchase.

2. The system of claim 1, wherein the proximity reader provides an interface to download said digital content.

3. A system of claims 1, or 2, wherein the server communicates with said user of mobile device via messaging.

4. A system of claims 1, or 2, wherein the server communicates with said user of mobile device via voice.

5. A method for facilitating the payment of products in a restaurant, said method comprising:

using a mobile device enabled for short range proximity signaling and two way messaging to provide a short range proximity signal to a proximity reader

presenting said mobile device to said proximity reader;

providing identification information to a payment system;

providing verification of identity information by payment system to said mobile device;

ordering a plurality of products and accumulating charges; and

receiving on a display of said mobile device an electronic bill for a total charge.

6. The method of claims 5, further comprising:

receiving a plurality of messages offering additional items to purchase on said display;

adding a plurality of additional charges to said electronic bill; and

approving of said total charge plus said plurality of additional charges.

7. The method of claims 5, further comprising:

adding a tip to said electronic bill; and

approving of said total charge plus tip.

8. The method of claims 5, wherein the verification of identity information is capable of being displayed in human readable form on display.

9. The method of claim 5, wherein the verification of identity information is in machine readable form.

10. The method of claims 5 or 6, wherein the ordering of product is done automatically by the selection of the product itself.