Virtual credit card access device for mobile communications equipment

• US 6,157,824 A
• Filed: 03/02/1998
• Issued: 12/05/2000
• Est. Priority Date: 03/02/1998
• Status: Expired due to Fees

• Current Assignee: Kenneth S. Bailey
• Original Assignee: Kenneth S. Bailey
• Inventors: Bailey, Kenneth S.
• Primary Examiner(s): Bost, Dwayne D.
• Assistant Examiner(s): CRAVER, CHARLES R
• Application Number:
  US09/041,360
• Time in Patent Office: 1,009 Days
• Field of Search: 455/406, 455/405, 455/409, 455/407, 455/408, 455/410, 455/426, 455/11.1, 455/41, 455/556-558, 379/357, 379/144, 379/91, 379/111, 379/112, 379/113, 379/114, 379/115, 379/145, 379/154, 379/188, 379/189, 379/91.01-91.02, 379/442-3, 340/904
• US Class Current: 455/409
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07F 17/0014 for vending, access and use of specific services not covered anywhere else in G07F17/00 meter-controlled dispensing of liquid, gas or electricity G07F15/00
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• CPC Class Codes: G07F 9/009 User recognition or proximity detection

Abstract

In mobile telephone communication equipment that is not owned by the user, but merely rented ad-hoc, a method for paying for the use of the equipment and any attendant call charges or other fees is described herein. The apparatus consists of a proximity device previously loaded with the user'"'"'s credit card locator designation (i.e. an alpha-numeric string which identifies the particular user and his credit card account). The wireless transmission unit module, the receiver unit and the mobile unit being accessed thereby. When the user is within the vehicle, which constitutes a reasonable proximity between the hand held transmitter and the receiving unit, the transceiver transmits its user personality data to the receiving unit thereby identifying the user and allowing access to the equipment for purposes such as placing a telephone call.

Claims

1. In a wireless communication system for a vehicle, a method for transferring, storing and updating, user credit card data, and customer preference data from a hand-held key chain unit including a transceiver to a communications device for purposes of validation and access to the communications device for its intended use, the vehicle having a transceiver therein, a remote system administration location being employed to archive credit card user data comprising the following steps:

a) power up of the vehicle transceiver when the vehicle is first started, which sends an interrogation signal to the hand-held key chain unit to read and verify the customer data and personality data contained therein;

b) if the hand-held key chain transceiver is within proximity range of the vehicle transceiver, the user data is then transferred;

c) the transmitted data is compared to the last transmission to determine if this is the same as the last user data, or if this data constitutes a new user and personality group;

d) if the data is consistent with a known user from a previous transmission, the communications device being accessed is authorized to commence operation;

e) if the data transmitted is not consistent with known data from a previous transmission of data, then the data is stored as a new record, transmitted over the airwaves via the communications device, and a new user record and file is created at the remote system administration location;

f) in the case of a new user, the credit card data is verified and a validation occurs which then allows the new user to gain access to the communications device being accessed and normal operations then occur.

2. The method of claim 1 further comprising the steps of:

e) the download of voice recognition phonems from a user look up table stored digitally in the hand held user key chain unit, to the communications device for instant user voice recognition in the spoken language of user'"'"'s choice; and

f) transference of frequently called telephone numbers as identified by an encoded name identifier in the specific language preference of the user (i.e. call "Bill").

3. The method of claim 2 further comprising the steps of:

g) transferring user call duration, number called, time of day, date, back to the hand held user key chain module for later interrogation by the system computer at the rental counter or car company'"'"'s office.