Realtime, Interactive and Geographically Defined Computerized Personal Identification and Payment Matching Systems and Methods
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Accused Products
Abstract
In general, the invention relates to a system and method of operating a shopping system to facilitate payment using a mobile device. A network is configured to include a server programmed with a personal characteristic database, a database searching algorithm, and to be coupled to a wireless communication system that is capable of communicating with the user'"'"'s personal data device. The user logs on through the wireless communication system to the secure network using her personal data device, and communicates to and stores in the database personal data defining her characteristics. Either the secure network automatically identifies the first users precise geographic location, or the user himself otherwise indicates and stores in the database of the network an identifying address that indicates his current specific geographic location. Personal data defining the user'"'"'s characteristics are then sent to a business location at the user'"'"'s location to facilitate a payment transaction.
42 Citations
43 Claims
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1-17. -17. (canceled)
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18. A method of operating a shopping system to facilitate payment for merchandise from a particular physical establishment by a user of a mobile device using a payment account, the shopping system comprising a computer having memory and at least one network interface, the method comprising:
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a. the shopping system receiving login information via the network interface from a mobile device to authenticate a user of the mobile device with the shopping system; b. the shopping system determining the proximate geographic location of the mobile device by information received via the network interface from the mobile device; c. the shopping system receiving user availability information via the network interface from the user of the mobile device indicating that the user is available to a particular physical establishment at the approximate physical location of the mobile device and storing the availability information in memory; d. the shopping system causing an image of the user of the mobile device to be displayed on a second device at the physical establishment to identify the user of the mobile device to an operator of the second device; and
,e. the shopping system receiving via the network interface an indication to effect payment of a transaction between the user of the mobile device and the physical establishment using a payment account. - View Dependent Claims (19, 20, 21, 22, 23)
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24. A method of operating a store transaction system to facilitate payment for merchandise from a particular store by a user of a mobile device using a payment account, the store transaction system located in a store at a physical location, the system comprising a display, memory, and a network interface, the store transaction system using a matching system, the matching system comprising a server with at least one network interface and configured to provide information regarding a user of a mobile device, the store transaction system performing the acts of:
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a. the store transaction system receiving via the network interface an indication from the matching system that a physically-proximate user has informed the store of the user'"'"'s presence; b. the store transaction system receiving via the network interface an identifying image of the user from the matching system; c. the store transaction system displaying the identifying image of the user on the display of the store transaction system; d. the store transaction system receiving information via the network interface about a prior purchase made by the user at the store, an affiliate store, or at an associated online website; and
,e. the store transaction system causing a payment to be initiated between the user of the mobile device and the store via the network interface. - View Dependent Claims (25, 26, 27, 28, 29, 30)
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31. A method used by a matching system, the matching system including at least one server having at least one network interface and the matching system facilitating a transaction between a user of the matching system and a physical business establishment at a fixed geographical location or an affiliate on its behalf, and wherein the user further has a wireless device with a wireless communication interface and a geographic location sensor, comprising the acts of:
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a. the matching system receiving, from the wireless device via the network interface, log in information to authenticate the user of the mobile device with the matching system; b. the matching system receiving, from the wireless device via the network interface, the approximate physical location of the wireless device and determining that the wireless device is located proximate to the physical business establishment; c. the matching system receiving, from the wireless device via the network interface, authorization to make at least an identifying picture and the name of the user available to the physical business establishment; d. the matching system transmitting via the network interface to a second device located at the physical business establishment, the identifying picture and name of the user in order to enable the identification of the user of the mobile device by a second user of the second device; and
,e. the matching system causing a payment account associated with the user of the mobile device to be charged in order to complete a purchase of an item offered for sale by the physical business establishment or its affiliate. - View Dependent Claims (32, 33, 34, 35, 36, 37, 38, 39)
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40. A method of operating a store transaction system comprising a display, processor, memory, and a network interface, the store transaction system using a matching system, the matching system comprising a server with at least one network interface and configured to provide information regarding a user of a mobile device, the store transaction system performing the acts of:
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a. the store transaction system receiving via the network interface an indication from a matching system that a user is present at the store and available to the transaction system at the store based at least on information from a geographic location sensor of the user'"'"'s mobile device; b. the store transaction system receiving via the network interface an image of the user of the mobile device from the matching system, the image configured to be displayed at a display device in the store in order to enable a second user of the display device to identify the user of the mobile device; c. the store transaction system transmitting a menu of food items to the user'"'"'s mobile device; d. the store transaction system receiving via the network interface an indication of a user-selected food item from the user'"'"'s mobile device based on the menu of food items, as an item to be purchased; and
,e. the store transaction system causing a payment account associated with the user to be charged in order to complete a purchase of an item offered for sale by the physical business establishment. - View Dependent Claims (41, 42, 43)
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Specification