TRANSACTION AUTHORIZATION SYSTEM FOR A MOBILE COMMERCE DEVICE
First Claim
1. A mobile phone comprising:
- an input device configured to receive input;
a wireless transmitter configured to transmit wireless signals to a transaction device;
a memory device comprising default payment information stored therein; and
a processor communicably coupled to the input device, the wireless transmitter, and the memory device and configured to;
receive a particular input via the input device; and
in response to receiving the particular input alone, use the wireless transmitter to wirelessly transmit the default payment information to the transaction device without requiring any additional user input before wirelessly transmitting the default payment information.
1 Assignment
0 Petitions
Accused Products
Abstract
Embodiments of the invention include apparatuses and methods that allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a single action or supplying only a single input to the mobile device. For example, some embodiments of the invention allow a user to assign a default payment vehicle to a particular key or “pay now” icon of the mobile device so that activation of the particular key or icon, alone, causes the mobile device to wirelessly transmit information about the default payment vehicle. In some embodiments of the invention, a user using the single action option of the mobile device does not need to go through an authentication procedure before the mobile device transmits the default payment information. In some embodiments of the invention, if a user uses the single action option, the mobile device is configured to transmit the payment information without needing to first launch an electronic wallet software application installed on the device.
222 Citations
37 Claims
-
1. A mobile phone comprising:
-
an input device configured to receive input; a wireless transmitter configured to transmit wireless signals to a transaction device; a memory device comprising default payment information stored therein; and a processor communicably coupled to the input device, the wireless transmitter, and the memory device and configured to; receive a particular input via the input device; and in response to receiving the particular input alone, use the wireless transmitter to wirelessly transmit the default payment information to the transaction device without requiring any additional user input before wirelessly transmitting the default payment information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
-
-
26. A method comprising:
-
storing payment information for at least one payment vehicle in memory of a mobile phone; associating particular input received using an input device of the mobile phone with a default payment vehicle selected from the at least one payment vehicle; receiving the particular input; and using a wireless transmitter of the mobile phone to wirelessly transmit payment information for the default payment vehicle in response to receiving the particular input alone and without requiring any additional user input before wirelessly transmitting the payment information. - View Dependent Claims (27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
-
-
37. A method comprising:
-
storing default payment information in memory of a mobile phone; associating particular input received using an input device of the mobile phone with the default payment information; receiving the particular input; and using a wireless transmitter of the mobile phone to wirelessly transmit the default payment information in response to receiving the particular input alone and without requiring any additional user input before wirelessly transmitting the default payment information.
-
Specification