Apparatus, systems and methods for wirelessly transacting financial transfers , electronically recordable authorization transfers, and other information transfers
DCFirst Claim
1. A wireless handheld device for executing a mobile transaction using the wireless handheld device, said wireless handheld device comprising:
- a data storage device adapted for storing data;
a user input device;
an executable memory storage device adapted for storing executable program instructions, the executable memory storage device encoded with a first set of executable computer program instructions, and a second set of executable computer program instructions;
a microprocessor programmed for executing the first set of executable computer program instructions, and the second set of executable computer program instructions;
wireless communication hardware adapted for communications using wireless Internet protocols over a wireless Internet connection;
short-range wireless communication hardware adapted for communications using wireless short-range communication protocols;
said microprocessor, executing the first set of executable computer program instructions, accesses a content host computer device at an Internet-accessible address according to a user input through said user input device of an indication of said Internet-accessible address, said accessing said content host computer device comprising accessing said Internet-accessible address through said wireless communication hardware using wireless Internet protocols through said wireless Internet connection; and
said microprocessor, executing the second set of executable computer program instructions;
requests said content host computer device for a particular authorization certificate for exchange with a particular merchant,receives from said content host computer device a request for security and payment information to pay for said particular authorization certificate,communicates security and payment information to said content host computer device to pay for said particular authorization certificate,receives an authorization from said content host computer device to download said particular authorization certificate,executes a downloading of data from a memory storage device associated with either the content host computer device or a content provider computer device, said executing said downloading of data comprising downloading said data from said memory storage device to said wireless handheld device through said wireless communication hardware using wireless Internet protocols through said wireless Internet connection, said data comprising said particular authorization certificate,activates a communication by said content host computer device to said content provider computer device of confirmation data comprising said payment information, security information, and said particular authorization certificate, said content provider computer system being accessible by point-of-sale devices for said particular merchant, andexecutes a storing of said data downloaded through the content host computer device in the data storage device of said wireless handheld device.
1 Assignment
Litigations
1 Petition
Accused Products
Abstract
The present invention provides apparatus, systems and methods to wirelessly pay for purchases, electronically interface with financial accounting systems, and electronically record and wirelessly communicate authorization transactions using Personal Digital Assistant (“PDA”)(also referred to as Personal Intelligent Communicators (PICs), and Personal Communicators), palm computers, intelligent handheld cellular and other wireless telephones, and other personal handheld electronic devices configured with infrared or other short range data communications (for referential simplicity, such devices are referred to herein as “PDA'"'"'s”). The present invention further provides apparatus, firmware, software programs and computer-implemented methods for making service and/or sale service charge payments for credit card charges, debit card charges, electronic cash transfers, ticket and other like financial transactions and for other types of transactions, such as for electronic coupons, where the amount of the transaction is for a small amount of money, such as, for example, less than $5.00.
86 Citations
16 Claims
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1. A wireless handheld device for executing a mobile transaction using the wireless handheld device, said wireless handheld device comprising:
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a data storage device adapted for storing data; a user input device; an executable memory storage device adapted for storing executable program instructions, the executable memory storage device encoded with a first set of executable computer program instructions, and a second set of executable computer program instructions; a microprocessor programmed for executing the first set of executable computer program instructions, and the second set of executable computer program instructions; wireless communication hardware adapted for communications using wireless Internet protocols over a wireless Internet connection; short-range wireless communication hardware adapted for communications using wireless short-range communication protocols; said microprocessor, executing the first set of executable computer program instructions, accesses a content host computer device at an Internet-accessible address according to a user input through said user input device of an indication of said Internet-accessible address, said accessing said content host computer device comprising accessing said Internet-accessible address through said wireless communication hardware using wireless Internet protocols through said wireless Internet connection; and said microprocessor, executing the second set of executable computer program instructions; requests said content host computer device for a particular authorization certificate for exchange with a particular merchant, receives from said content host computer device a request for security and payment information to pay for said particular authorization certificate, communicates security and payment information to said content host computer device to pay for said particular authorization certificate, receives an authorization from said content host computer device to download said particular authorization certificate, executes a downloading of data from a memory storage device associated with either the content host computer device or a content provider computer device, said executing said downloading of data comprising downloading said data from said memory storage device to said wireless handheld device through said wireless communication hardware using wireless Internet protocols through said wireless Internet connection, said data comprising said particular authorization certificate, activates a communication by said content host computer device to said content provider computer device of confirmation data comprising said payment information, security information, and said particular authorization certificate, said content provider computer system being accessible by point-of-sale devices for said particular merchant, and executes a storing of said data downloaded through the content host computer device in the data storage device of said wireless handheld device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A wireless handheld device for interacting with a content host computer system and with point-of-authorization-use devices for at least one merchant, for executing a mobile transaction, said wireless handheld device comprising:
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a computer-accessible data storage device adapted for storing data; a user input device; a biometric data reading device adapted for reading biometric data of a user that is using the wireless handheld device; an executable memory storage device adapted for storing executable program instructions, the executable memory storage device encoded with a first set of executable computer program instructions, a second set of executable computer program instructions, a third set of executable computer program instructions, and a fourth set of executable computer program instructions; a microprocessor programmed for executing the first set of executable computer program instructions, the second set of executable computer program instructions, the third set of executable computer program instructions, and the fourth set of executable computer program instructions; wireless communication hardware adapted for wireless communications; short-range wireless communication hardware adapted for communications using wireless short-range communication protocols; said microprocessor, executing the first set of executable computer program instructions; automatically obtains biometric data from the user that is using the wireless handheld device through said biometric data reading device, validates the biometric data with biometric data stored in the computer-accessible data storage device, and requires an authorization from the wireless handheld device based on said validating the biometric data before proceeding with executing the second and third sets of executable computer program instructions; said microprocessor, executing the second set of executable computer program instructions, accesses a content host computer device using wireless communications according to a user input through said user input device of an indication of said Internet-accessible address; and said microprocessor, executing the third set of executable computer program instructions; interacts according to user input with the content host computer device using wireless communications to identify a particular authorization certificate redeemable with a particular merchant, pays for the particular authorization certificate, downloads the particular authorization certificate, and activates a communication by said content host computer device to a content provider computer device of confirmation data comprising security information and said particular authorization certificate, said content provider computer system being accessible by point-of-authorization-use devices for said particular merchant; said microprocessor, executing the fourth set of executable computer program instructions in response to a request of the user, communicates said particular authorization certificate and redemption security information using said short-range wireless communication hardware of the wireless handheld device to a short range wireless interface of a point-of-authorization-use device for said particular merchant. - View Dependent Claims (12, 13, 14, 15, 16)
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Specification