Real-time balance on a mobile phone
First Claim
Patent Images
1. A prepaid payment mobile phone comprising:
- a processor;
a non-volatile programmable memory coupled to the processor and configured to store a current balance associated with a primary account number;
an input device coupled to the processor and configured to receive a request for the current balance of the prepaid payment mobile phone;
a display coupled to the processor and configured to show the current balance;
a radio frequency (RF) transceiver coupled to the processor and configured to transmit transaction data associated with a transaction comprising the primary account number to a point of sale device, wherein the primary account number is stored on the non-volatile programmable memory; and
a cellular transceiver coupled to the processor and configured to receive information regarding the current balance after the transaction, wherein the information regarding the current balance is received via a Short Message Service (SMS) message and the current balance is encoded onto the non-volatile programmable memory using the processor.
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Accused Products
Abstract
A system, method and prepaid payment mobile phone configured to display a current prepaid balance. The prepaid payment mobile phone receives a debit balance request from input on the mobile phone. After retrieving an encoded current balance, the mobile phone displays the amount. The current balance may be calculated by the phone after a transaction, or the phone may receive a debit balance via a short message service notification.
332 Citations
21 Claims
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1. A prepaid payment mobile phone comprising:
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a processor; a non-volatile programmable memory coupled to the processor and configured to store a current balance associated with a primary account number; an input device coupled to the processor and configured to receive a request for the current balance of the prepaid payment mobile phone; a display coupled to the processor and configured to show the current balance; a radio frequency (RF) transceiver coupled to the processor and configured to transmit transaction data associated with a transaction comprising the primary account number to a point of sale device, wherein the primary account number is stored on the non-volatile programmable memory; and a cellular transceiver coupled to the processor and configured to receive information regarding the current balance after the transaction, wherein the information regarding the current balance is received via a Short Message Service (SMS) message and the current balance is encoded onto the non-volatile programmable memory using the processor. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method of encoding a current balance on a prepaid payment mobile phone comprising:
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storing a primary account number on a non-volatile programmable memory; transmitting, with a radio frequency (RF) transceiver, transaction data associated with a transaction to a point of sale device, the transaction data comprising the primary account number; receiving, with a cellular transceiver, information regarding a current balance of an account associated with the primary account number, wherein the receiving of information regarding the current balance comprises receiving a Short Message Service (SMS) message; encoding, with a processor, the current balance in the non-volatile programmable memory on the prepaid payment mobile phone. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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Specification