Apparatus, systems and methods for wirelessly transacting financial transfers , electronically recordable authorization transfers, and other information transfers

  • US 8,706,627 B2
  • Filed: 02/09/2001
  • Issued: 04/22/2014
  • Est. Priority Date: 02/10/2000
  • Status: Active Grant
First Claim
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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.

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