Wireless payment processing

• US 20060095357A1
• Filed: 10/14/2005
• Published: 05/04/2006
• Est. Priority Date: 04/05/2001
• Status: Abandoned Application

• Current Assignee: Remote Sales LLC A Limited Liability Corporation of The State of Nevada
• Original Assignee: Remote Sales LLC A Limited Liability Corporation of The State of Nevada
• Inventors: Tanumihardja, Marcellino, Brown, Gregory A.
• Application Number:
  US11/251,553
• Publication Number:
  US 20060095357A1
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/045 using payment protocols involving tickets
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

In one embodiment, a method includes but is not limited to authorizing at least one payment transaction wherein authorization is effected by user input to a computational entity through a wireless device. In addition to the foregoing, other method embodiments are described in the claims, drawing, and text forming a part of the present application. In one or more various embodiments, related systems include but are not limited to circuitry for effecting the foregoing-described method embodiments; the circuitry can be virtually any combination of hardware, software, and/or firmware configured to effect the foregoing-described method embodiments depending upon the design choices of the system designer.

Claims

1. A method comprising:

presenting an offer to engage in a financial transaction through a wireless device; and

accepting input associated with the offer to engage in the financial transaction through the wireless device.

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23. A system comprising:

circuitry for presenting an offer to engage in a financial transaction through a wireless device, said circuitry selected from an electrical-circuitry group including electrical circuitry having at least one discrete electrical circuit, electrical circuitry having at least one integrated circuit, electrical circuitry having at least one application specific integrated circuit, electrical circuitry forming a general purpose computing device configured by a computer program, electrical circuitry forming a memory device, and/or electrical circuitry forming a communications device; and

circuitry for accepting input associated with the offer to engage in the financial transaction through the wireless device, said circuitry selected from an electrical-circuitry group including electrical circuitry having at least one discrete electrical circuit, electrical circuitry having at least one integrated circuit, electrical circuitry having at least one application specific integrated circuit, electrical circuitry forming a general purpose computing device configured by a computer program, electrical circuitry forming a memory device, and/or electrical circuitry forming a communications device.

25. The system of claim 23, wherein said means for accepting input associated with the offer to engage in the financial transaction through the wireless device comprises:

means for accepting voice input to the wireless device.

28. The system of claim 23, wherein said means for accepting input associated with the offer to engage in the financial transaction through the wireless device comprises:

means for accepting input authorizing a credit card transaction.

29. The system of claim 23, wherein said means for accepting input associated with the offer to engage in the financial transaction through the wireless device comprises:

means for accepting input authorizing a debit card transaction.

30. The system of claim 23, wherein said means for accepting input associated with the offer to engage in the financial transaction through the wireless device comprises:

means for accepting input associated with authorizing an automatic check handling transaction.

31. The system of claim 23, wherein said means for accepting input associated with the offer to engage in the financial transaction through the wireless device comprises:

means for accepting input associated with entry of financial data.

32. The system of claim 31, wherein said means for accepting input associated with entry of financial data comprises:

means for accepting near-real-time entry of credit card information.

33. The system of claim 31, wherein said means for accepting input associated with entry of financial data comprises:

means for accepting near-real-time entry of debit card information.

34. The system of claim 31, wherein said means for accepting input associated with entry of financial data comprises:

means for accepting near-real-time entry of automatic check handling information.

35. The system of claim 31, wherein said means for accepting input associated with entry of financial data comprises:

means for accepting input representative of a profile containing pre-stored financial data.

36. The system of claim 35, wherein said means for accepting input representative of a profile containing pre-stored financial data comprises:

means for accepting input representative of a profile containing pre-stored credit card information.

37. The system of claim 35, wherein said means for accepting input representative of a profile containing pre-stored financial data comprises:

means for accepting input representative of a profile containing pre-stored debit card information.

38. The system of claim 35, wherein said means for accepting input representative of a profile containing pre-stored financial data comprises:

means for accepting input representative of a profile containing pre-stored automatic check handling information.

39. The system of claim 23, wherein said means for accepting input associated with the offer to engage in the financial transaction through the wireless device comprises:

means for accepting input to the wireless device responsive to presentation of a message-structure item through the wireless device.

40. The system of claim 23, wherein said means for presenting an offer to engage in a financial transaction through a wireless device comprises:

means for presenting a message-structure item through a presentation device selected from a presentation-device group including a visual presentation device and an audio presentation device.

41. The system of claim 23, wherein the said means for presenting an offer to engage in a financial transaction through a wireless device comprises:

means for presenting a price through the wireless device.

42. The system of claim 41, wherein said means for presenting a price through the wireless device comprises:

means for presenting the price in conjunction with at least one message-structure item.

43. The system of claim 42, wherein said means for presenting the price in conjunction with at least one message-structure item comprises:

means for presenting the price in conjunction with a subject;

a response option;

a message body;

at least one yes-no-type answer question;

at least one numeric-response-type answer question;

at least one verbal-response-type answer question;

at least one multiple-choice-response-type answer question;

at least one meeting date which can include either or both a day and a time;

at least one meeting location;

at least one meeting RSVP request;

at least one event descriptor wherein the event descriptor can include a party, a breakfast, a lunch, a dinner, a movie, a game, a concert, or a miscellaneous occurrence;

at least one event location;

or at least one event RSVP request.

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45. A system comprising:

means for presenting an offer to engage in a financial transaction through a wireless device, said circuitry selected from an electrical-circuitry group including electrical circuitry having at least one discrete electrical circuit, electrical circuitry having at least one integrated circuit, electrical circuitry having at least one application specific integrated circuit, electrical circuitry forming a general purpose computing device configured by a computer program, electrical circuitry forming a memory device, and/or electrical circuitry forming a communications device; and

means for accepting input associated with the offer to engage in the financial transaction through the wireless device, said circuitry selected from an electrical-circuitry group including electrical circuitry having at least one discrete electrical circuit, electrical circuitry having at least one integrated circuit, electrical circuitry having at least one application specific integrated circuit, electrical circuitry forming a general purpose computing device configured by a computer program, electrical circuitry forming a memory device, and/or electrical circuitry forming a communications device.

46. A system comprising:

circuitry for transmitting an offer to engage in a financial transaction to a wireless device; and

circuitry for receiving a signal associated with the offer to engage in the financial transaction.

48. The system of claim 46, wherein said circuitry for receiving a signal associated with the offer to engage in the financial transaction comprises:

circuitry for receiving a signal indicative of a voice input to the wireless device.

49. The system of claim 46, wherein said circuitry for receiving a signal associated with the offer to engage in the financial transaction comprises:

circuitry for receiving a signal indicative of an authorization of a credit card transaction.

50. The system of claim 46, wherein said circuitry for receiving a signal associated with the offer to engage in the financial transaction comprises:

circuitry for receiving a signal indicative of an authorization of a debit card transaction.

51. The system of claim 46, wherein said circuitry for receiving a signal associated with the offer to engage in the financial transaction comprises:

circuitry for receiving a signal indicative of an authorization of an automatic check handling transaction.

52. The system of claim 46, wherein said circuitry for receiving a signal associated with the offer to engage in the financial transaction comprises:

circuitry for receiving a signal indicative of an entry of financial data.

53. The system of claim 52, wherein said circuitry for receiving a signal indicative of an entry of financial data comprises:

circuitry for receiving a signal indicative of near-real-time entry of credit card information.

54. The system of claim 52, wherein said circuitry for receiving a signal indicative of an entry of financial data comprises:

circuitry for receiving a signal indicative of near-real-time entry of debit card information.

55. The system of claim 52, wherein said circuitry for receiving a signal indicative of an entry of financial data comprises:

circuitry for receiving a signal indicative of near-real-time entry of automatic check handling information.

56. The system of claim 52, wherein said circuitry for receiving a signal indicative of an entry of financial data comprises:

circuitry for receiving a signal indicative of a profile containing pre-stored financial data.

57. The system of claim 56, wherein said circuitry for receiving a signal indicative of a profile containing pre-stored financial data comprises:

circuitry for receiving a signal indicative of a profile containing pre-stored credit card information.

58. The system of claim 56, wherein said circuitry for receiving a signal indicative of a profile containing pre-stored financial data comprises:

circuitry for receiving a signal indicative of a profile containing pre-stored debit card information.

59. The system of claim 56, wherein said circuitry for receiving a signal indicative of a profile containing pre-stored financial data comprises:

circuitry for receiving a signal indicative of a profile containing pre-stored automatic check handling information.

60. The system of claim 46, wherein said circuitry for transmitting an offer to engage in a financial transaction to a wireless device further comprises:

circuitry for transmitting a signal associated with presentation of a message through the wireless device.

61. The system of claim 60, wherein said circuitry for transmitting a signal associated with presentation of a message through the wireless device comprises:

circuitry for transmitting a signal associated with presentation of a price through the wireless device.

62. The system of claim 61, wherein said circuitry for transmitting a signal associated with presentation of a price through the wireless device comprises:

circuitry for transmitting a signal associated with presentation of the price in conjunction with at least one message-structure item.

63. The system of claim 62, wherein said circuitry for transmitting a signal associated with presentation of the price in conjunction with at least one message-structure item comprises:

circuitry for transmitting a signal associated with presentation of the price in conjunction with a subject;

a response option;

a message body;

at least one yes-no-type answer question;

at least one numeric-response-type answer question;

at least one verbal-response-type answer question;

at least one multiple-choice-response-type answer question;

at least one meeting date which can include either or both a day and a time;

at least one meeting location;

at least one meeting RSVP request;

at least one event descriptor wherein the event descriptor can include a party, a breakfast, a lunch, a dinner, a movie, a game, a concert, or a miscellaneous occurrence;

at least one event location;

or at least one event RSVP request.

47. (canceled)

64. (canceled)

65. A method comprising:

transmitting an offer to engage in a financial transaction to a wireless device; and

receiving a signal associated with the offer to engage in the financial transaction.

66. The method of claim 65, wherein said receiving a signal associated with the offer to engage in the financial transaction comprises:

receiving a signal indicative of an authorization of a credit card transaction.

67. The method of claim 65, wherein said receiving a signal associated with the offer to engage in the financial transaction comprises:

receiving a signal indicative of an authorization of a debit card transaction.

68. The method of claim 65, wherein said receiving a signal associated with the offer to engage in the financial transaction comprises:

receiving a signal indicative of an authorization of an automatic check handling transaction.

69. The method of claim 65, wherein said receiving a signal associated with the offer to engage in the financial transaction comprises:

receiving a signal indicative of an entry of financial data.

70. The method of claim 69, wherein said receiving a signal indicative of entry of financial data comprises:

receiving a signal indicative of a profile containing pre-stored financial data.

71. The method of claim 70, wherein said receiving a signal indicative of a profile containing pre-stored financial data comprises:

receiving a signal indicative of a profile containing pre-stored credit card information.

72. The method of claim 70, wherein said receiving a signal indicative of a profile containing pre-stored financial data comprises:

receiving a signal indicative of a profile containing pre-stored debit card information.

73. The method of claim 70, wherein said receiving a signal indicative of a profile containing pre-stored financial data comprises:

receiving a signal indicative of a profile containing pre-stored automatic check handling information.

74. The method of claim 65, transmitting an offer to engage in a financial transaction to a wireless device further comprises:

transmitting a signal associated with presentation of a message through the wireless device.

75. The method of claim 74, wherein said transmitting a signal associated with presentation of a message through the wireless device comprises:

transmitting a signal associated with presentation of a price through the wireless device.

76. The method of claim 75, wherein said transmitting a signal associated with presentation of a price through the wireless device comprises:

transmitting a signal associated with presentation of the price in conjunction with at least one message-structure item.

77. The method of claim 76, wherein said transmitting a signal associated with presentation of the price in conjunction with at least one message-structure item comprises:

transmitting a signal associated with presentation of the price in conjunction with a subject;

a response option;

a message body;

at least one yes-no-type answer question;

at least one numeric-response-type answer question;

at least one verbal-response-type answer question;

at least one multiple-choice-response-type answer question;

at least one meeting date which can include either or both a day and a time;

at least one meeting location;

at least one meeting RSVP request;

at least one event descriptor wherein the event descriptor can include a party, a breakfast, a lunch, a dinner, a movie, a game, a concert, or a miscellaneous occurrence;

at least one event location;

or at least one event RSVP request.

78. A system comprising:

means for transmitting an offer to engage in a financial transaction to a wireless device; and

means for receiving a signal associated with the offer to engage in the financial transaction.