Electronic payment methods for a mobile device
First Claim
Patent Images
1. A system comprising:
- a proximity reader configured to interact with a mobile station presented to the proximity reader by a user, wherein the proximity reader is configured to use short range proximity signaling to receive identification information from the mobile station;
a plurality of servers configured to provide authentication of user,wherein one of the plurality of servers initiates a voice call to the mobile station, in order to request an authentication code from the user of the mobile station, and receives the authentication code entered into the mobile station by the user using one or more function keys of the mobile station;
a plurality of point of sale terminals configured to provide access to transaction information; and
a messaging system configured to provide mobile commerce messaging with the user, wherein the mobile commerce messaging includes digital content of at least one of digital cash, coupons, advertisements, games, ring-tones, graphics, videos via messaging, or promotion of a plurality of different items to purchase.
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Accused Products
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.
178 Citations
16 Claims
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1. A system comprising:
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a proximity reader configured to interact with a mobile station presented to the proximity reader by a user, wherein the proximity reader is configured to use short range proximity signaling to receive identification information from the mobile station; a plurality of servers configured to provide authentication of user, wherein one of the plurality of servers initiates a voice call to the mobile station, in order to request an authentication code from the user of the mobile station, and receives the authentication code entered into the mobile station by the user using one or more function keys of the mobile station; a plurality of point of sale terminals configured to provide access to transaction information; and a messaging system configured to provide mobile commerce messaging with the user, wherein the mobile commerce messaging includes digital content of at least one of digital cash, coupons, advertisements, games, ring-tones, graphics, videos via messaging, or promotion of a plurality of different items to purchase. - View Dependent Claims (2)
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3. A method comprising:
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using a mobile station configured for short range proximity signaling and two way messaging to provide a short range proximity signal to a proximity reader; presenting said mobile station to said proximity reader; providing identification information to a payment system; receiving verification of identity information from the payment system at said mobile station, wherein the verification of identity information includes indicia of a unique transaction confirmation code generated by the payment system, wherein the unique transaction confirmation code links an electronic bill of a user of the mobile station to a payment account for the user; ordering a plurality of products and accumulating charges; and receiving on a display of said mobile station the electronic bill for a total charge. - View Dependent Claims (4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. An apparatus comprising a processor configured to cause the apparatus to:
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provide a short range proximity signal to a proximity reader; provide identification information to a payment system; receive verification of identity information from the payment system, wherein the verification of identity information includes indicia of a unique transaction confirmation code generated by the payment system, wherein the unique transaction confirmation code links an electronic bill of a user to a payment account for the user; submit an order for a plurality of products to the payment system; and receive the electronic bill for a total charge. - View Dependent Claims (14, 15, 16)
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Specification