US20060178937A1 - System and method for transponder-enabled account transactions - Google Patents

System and method for transponder-enabled account transactions Download PDF

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Publication number
US20060178937A1
US20060178937A1 US11290903 US29090305A US2006178937A1 US 20060178937 A1 US20060178937 A1 US 20060178937A1 US 11290903 US11290903 US 11290903 US 29090305 A US29090305 A US 29090305A US 2006178937 A1 US2006178937 A1 US 2006178937A1
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account
transaction
transponder
system
device
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US11290903
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Scott Rau
Scott Bertetti
Gerald Beechum
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JP Morgan Chase Bank
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Bank One Delaware NA
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/202Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/204Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/206Point-of-sale [POS] network systems comprising security or user identification provision, e.g. password entry
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/208Input by product or record sensing, e.g. weighing or scanner processing
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/26Debit schemes, e.g. "pay now"
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
    • G06Q20/367Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes involving intelligent token, e.g. electronic purse
    • G06Q20/3674Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes involving intelligent token, e.g. electronic purse involving authentication
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • GPHYSICS
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    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12Accounting

Abstract

A transponder-initiated transaction system is electromagnetically coupled to an account transponder device at the point of sale. The account transponder device may be embedded within a watch, key chain or other personal article for convenience or affinity. The transponder device may communicate account information to an RF-enabled point of sale device, enabling transactions to take place without resort to remote data processing facilities. In other embodiments partial or complete account information may be accessed or stored at co-located or remote sources. New account registrants may access a Web site to enter a transponder ID and activate a new account, which may be a credit account, debit account, cash account, special purpose vending account, or other types of accounts.

Description

    FIELD OF THE INVENTION
  • [0001]
    The invention relates to the field of electronic commerce, and more particularly to the use of transponder-activated account transactions at point of sale or other locations.
  • BACKGROUND OF THE INVENTION
  • [0002]
    The use of electromagnetically-coupled transducers for commercial transaction processing has become increasingly popular in recent times. The advent of compact, inexpensive electronics, transponder-equipped point of sale equipment, and attendant information processing assets have enabled a variety of vendors to offer account-linked transaction systems. Those systems include, for example, subway or other transportation devices, telephone calling devices, and others such as the SpeedPass™ offered by Mobil Corp. for gasoline point of sale transactions. In that and other systems, a receiver emits electromagnetic signals to a device in proximity to a gasoline pump over radio frequencies (RF), activating an embedded transponder within the transaction device. The transaction device is identified by some sort of identification information, which information is then relayed from the point of sale to an offsite information processing facility. However, these types of distributed systems suffer from more than one disadvantage.
  • [0003]
    For one, transactions made according to that technology require that separate offsite computing facilities be accessed, since the transponder in encoded with information identifying the transponder but not the account information necessary to complete the transaction. Processing times and time to completion of transactions are therefore increased, and the expense of linking and maintaining information processing facilities to service the point of sale request is significant. Moreover, the initiation of new accounts to use such wireless vending points requires backend processing facilitates to enter a new user's account to the remote data processing facility, as well as to encode and associate the transponder with particular new accounts. More streamlined, convenient and flexible transaction technology is desirable.
  • SUMMARY OF THE INVENTION
  • [0004]
    The invention overcoming these and other drawbacks in the art relates to a system and method for transponder-activated transactions, generally involving the presentation and sensing of an electromagnetically coupled transponder to an RF-enabled point of sale system. In the practice of the invention, the transponder may be preferably encoded with not merely identifying or serializing information, but also account information which may be used to authorize or record transactions at the instant of sale, so that remote data processing may not be necessary. Users of the transponder of the invention may link the device to more than one type of account, and activate the transponder using Web or other network-enabled interfaces.
  • BRIEF DESCRIPTION OF THE DRAWINGS
  • [0005]
    The invention will described with reference to the accompanying drawings, in which like elements are referenced by like numerals.
  • [0006]
    FIG. 1 illustrates an overall transaction architecture according -to one embodiment of the invention.
  • [0007]
    FIG. 2 illustrates an overall architecture of the invention according to a second embodiment of the invention.
  • [0008]
    FIG. 3 illustrates an activation architecture for the initiation of user accounts according to the invention.
  • [0009]
    FIG. 4 illustrates a flowchart of transaction processing according to the invention.
  • DETAILED DESCRIPTION OF PREFERRED EMBODIMENTS
  • [0010]
    As illustrated in FIG. 1, in a first embodiment of the invention, an overall point of sale architecture includes a transponder 102 which communicates via an RF link 104 to a receiver 106. The transponder 102 may be or include any of several known electromagnetically coupled devices, generally activated by proximity to an RF-enabled receiving unit, such as receiver 106. Transponder 102 may, for instance, contain an electromagnetic coil antenna for inductive coupling to receiver 106, thereby being energized with small but sufficient electric current to activate embedded electronics within transponder 102. Those electronics may include memory such as CMOS memory, logic gates, filters for isolating discrete transmission frequencies and other elements known in the art. In one embodiment, transponder 102 may be programmable and able to receive updated programmable instructions via RF link 104, as well as to have electronic memory erased or updated during transactions. Receiver 106 may include an electromagnetic antenna to couple with transponder 102, generally within the range of a few feet of the device.
  • [0011]
    In the embodiment illustrated in FIG. 1, the receiver 106 is connected to a point of sale (POS) device 108 for conducting a commercial or other transaction. For instance, the point of sale device 108 may be or include any of several commercially known electronic cash registers or related transaction processing equipment, such as point of sale terminals manufactured by Sharp Corp. or others. In one embodiment of the invention, transponder 102 may be embedded within a personal article for convenience, aesthetic and affinity purposes. In that regard, the invention has been integrated in one implementation within a fully functional watch manufactured by the Swatch Corporation. Embedding in other personal articles, such as key chains, pavers, clothing or other items is also possible.
  • [0012]
    In the operation of the invention, a user who has subscribed to the account system of the invention may approach the receiver 106 at the point of sale device 108 to initiate and complete a purchase or other transaction, such as at a restaurant or grocery market checkout line, or other points of sale. In the embodiment illustrated in FIG. 1, transponder 102 contains an encoded transponder ID 110, which may for instance be a 5-digit number or other identifying information. In this embodiment, transponder 102 may also store an account table 112 directly recording account information for the subscribed user of the transponder 102. The account table 112 may be or include, for instance, an indication of an account number, balance, limit and other information for a debit account, a cash account, a credit card account, special premises account for internal use such as by employees, or other account information associated with users of the system.
  • [0013]
    In the implementation of this embodiment of the invention, receiver 106 is configured to receive the account table 112 and apply an amount being executed at the point of sale device 108 to the account reflected within the account table 112. For instance, a patron who has subscribed to an account according to the system of the invention may approach receiver 106 in a restaurant line and wave a watch or other article containing transponder 102 in proximity of the receiver 106. When transponder 102 comes within range of receiver 106, transponder. 102 may be inductively coupled to the coils of an electromagnetic antenna within receiver 106 inducing electrical energy within transponder 102, to establish the RF link 104 with the receiver 106. Upon activation of transponder 102 and radiation of transponder ID 110 to the receiver 106, the receiver 106 may respond with an acknowledge signal to the transponder 102. The point of sale device 108 may indicate on a display screen or otherwise that a transaction is ready to be commenced. Once the point of sale device 108 generates total amount due for the transaction, the receiver 106 may interrogate transponder 102 to obtain account table information from account table 112 for application to the sale.
  • [0014]
    For instance, if a patron has purchased a meal in a restaurant line at point of sale device 108, the total purchase price may be validated against available credit, available cash or other account-specified balances within account table 112 for completion of the transaction. Conversely, if the amount of the transaction cannot be validated against account table 112, the point of sale device 108 may indicate “cash required” or another message that transponder validation or authorization has failed. If the transaction amount is validated, receiver 106 enters the transaction amount, recalculates an account balance for storage within account table 112 and transmits the revised account table 112 information over the RF link 104 to the transponder 102. A transaction completion signal may be emitted by receiver 106, which in one embodiment may turn off or decouple the transponder 102 via RF link 104.
  • [0015]
    Among other advantages, because the receiver 106 and other transaction elements do not need to resort to offsite transaction processing, conduct of the transaction from initiation through approval and completion are completed quickly, often virtually instantaneously to a subscriber at the point of sale. It may be noted that receiver 106 and point of sale device 108 may be configured to execute a variety of other types of transactions, such as retail checkouts of books, movies, other media, and other transaction events.
  • [0016]
    In terms of new accounts registration as illustrated in FIG. 3, in the invention a network-based activation architecture may be advantageously employed. As shown in the figure, a new user may access a client work station 118 connected via communications link 120 to a registration server 122. The communications link 120 may be, include or access any one or more of, for instance, the Internet, an intranet, a PAN (Personal Area Network), a LAN (Local Area Network), a WAN (Wide Area Network) or a MAN (Metropolitan Area Network), a fame relay connection, an Advanced Intelligent Network (AIN) connection, a synchronous optical network (SONET) connection, a digital T1, T3 or E1 line, Digital Data Service (DDS) connection, DSL (Digital Subscriber Line) connection, an Ethernet connection, an ISDN (Integrated Services Digital Network) line, a dial-up port such as a V.90, V.34 or V.34bis analog modem connection, a cable modem, an ATM (Asynchronous Transfer Mode) connection, or FDDN (Fiber Distributed Data Networks) or CDDI (Copper Distrbuted Data Interface) connections.
  • [0017]
    Communications link 120 may furthermore be, include or access any one or more of a WAP (Wireless Application Protocol) link, a GPRS (General Packet Radio Service) link, a GSM (Global System for Mobile Communication) link, a CDMA (Code Division Multiple Access) or TDMA (Time Division Multiple Access) link such as a cellular phone channel, a GPS (Global Positioning System) link, CDPD (cellular digital packet data), a Rf (Research in Motion, Limited) duplex paging type device, a Bluetooth radio link, or an IEEE 802.11-based radio frequency link. Communications link 120 may yet further be, include or access any one or more of an RS-232 serial connection, an IEEE-1394 (Firewire) connection, an IrDA (infrared) port, a SCSI (Small Computer Serial Interface) connection, a USB (Universal Serial Bus) connection or other wired or wireless, digital or analog interface or connection.
  • [0018]
    The registration server 122 may be or include, for instance, a workstation running the Microsoft Windows™0 NT™ Windows™2000, Unix, Linux, Xenix, IBM AIX, Hewlett-Packard UX, Novell Netware™, sun Microsystems Solaris™, OS/2™, BeOS™, Mach, Apache, OpenStep™ or other operating system or platform.
  • [0019]
    The registration server 122 may communicate with client workstation 118 to receive preassigned information related to transponder 102, such as transponder ID 110 which may be printed by sticker on a watch or other article housing the device, for entry into a database 126 within registration server 122 and the setting up of an account. The account may illustratively include or be more than one type of account 124 a . . . 124 n, such as cash accounts, debit accounts, credit card accounts, special purpose vending accounts, telephone card accounts, or others. The registration server 122 may validate the transponder ID 110, and interrogate a new subscriber at client work station 118 to identify or select which one or more of accounts 124 a . . . 124 n the user wishes to associate with the transponder 102.
  • [0020]
    For instance, the registration 122 may accept a preexisting credit card number for registration with the transponder 102 and execution of future transactions. Once new account information is established, the registration server 122 may communicate via network connection to receiver 106 to update subscriber registration tables within the database 126, receiver 106, point of sale device 108 or other associated hardware to authorize transactions at the point of sale. The paperwork, delay, possibility for error and other drawbacks of paper-based back end account registration is thereby avoided.
  • [0021]
    A second illustrative embodiment of the invention is shown in FIG. 2, generally involving a processing architecture similar to that of FIG. 1. In this embodiment, a transponder 102 again communicates via RF link 104 with receiver 106 to effectuate point of sale or other tractions. However, in the embodiment of FIG. 2 a portion or all of account table 112 or other information stored in transponder 102 in the first embodiment may be offloaded to economize on the necessary electronics, power consumption and other properties of transponder 102. In the embodiment illustrated in FIG. 2, the point of sale device 108 is additionally connected to a transaction server 116 via communications link 114, for the purpose of authorizing in whole or in part transactions presented for payment using transponder 102. Communications link 114 may be, include or access communications resources similar to communications link 120.
  • [0022]
    In this embodiment, part or all of the information of account table 112 may be stored in hard disk or other storage of transaction server 116. Transaction initiation begins in the same manner as the embodiment illustrated in FIG. 1, however, after acknowledgments are exchanged between point of sale device 108 and transponder 102 and a transaction is set up, the point of sale device 108 may communicate with transaction server 116 to validate a transaction amount or other information against account information stored in the transaction server 116.
  • [0023]
    While this implementation involves additional hardware and communications link 114, if transaction server 116 is co-located with the point of sale device 108, such as in a restaurant or retail outlet, communication delays may be minimal. Furthermore if the transaction server 116 is dedicated to processing transactions only at the site of point of sale device 108 or closely grouped facilities, processing burdens may be comparatively modest In another embodiment of the invention, transaction server 116 may communicate with remote credit file databases or other information resources before authorizing or completing a transaction initiated over RF link 104 at receiver 106, when circumstances may permit some execution delay to be acceptable. Alternatively, in another embodiment of the invention the point of sale device 108 may perform a preliminary authorization for transactions presented at the receiver 106, to collect and temporarily store transactions, for instance over 2 or 3 hour periods, for batch processing remotely via transaction server 116. Since the majority of transactions typically reconcile without difficulty, this implementation permits more-immediate completion while still checking on account validations at frequent intervals.
  • [0024]
    Overall transaction processing is illustrated in the flowchart of FIG. 4. In step 202, processing begins. In step 204, the receiver 106 is presented with transponder 102 within range of electromagnetic coupling, such as inductive coupling. In step 206, transponder 102 is activated, for instance by inductive energization of its circuitry. In step 208 transponder 102 may communicate transponder ED 110, which the receiver 106 acknowledges with an acknowledge signal over RF link 104 in step 210.
  • [0025]
    In step 212, transaction information such as purchase amount is entered at point of sale device 108, for instance by a check out clerk or other attendant. In step 214, transaction table 112 or other account information may be interrogated to determine whether account balances or other account parameters permit the pending transaction at the point of sale device 108. If the transaction is not validated, in step 216 a “cash required” or other message is signaled at point of sale device 108, and processing proceeds to step 224 whole processing ends.
  • [0026]
    If the account to be applied to the pending transaction is validated at step 214, in step 218, the point of sale device 108 and receiver 106 communicate with transponder 102 to indicate transaction acceptance, and modify information within account table 112 if appropriate. In step 220, an end of transaction signal is sent to transponder 102 and in step 222, transponder 102 decouples from the receiver 106. In step 224, processing ends.
  • [0027]
    The foregoing description of the system and method for transponder-activated transactions is illustrative, and variations in configuration and implementation will occur to persons skilled in the art. For instance, while transponder 102 has been described as electromagnetically coupling with the receiver 106, or other types of detection and coupling could be used. For instance, an infrared device, a biometrically enabled or other device may be presented to corresponding detecting apparatus at the point of sale. Similarly, transponder 102 may contain or store other types or forms of information other than transponder D 110 and account table 112. The scope of the invention is accordingly intended to be limited only by the following claims.

Claims (33)

  1. 1-20. (canceled)
  2. 21. A transponder-reader payment system comprising:
    a transponder system responsive to a Radio Frequency (RF) interrogation signal, the transponder system including a transponder database, the transponder database storing at least a transponder system identifier;
    a Radio Frequency Identification (RFID) reader in RF communication with the transponder system, the RFID reader providing an interrogation signal to the transponder system and receiving the transponder system identifier;
    a merchant system for receiving the transponder system identifier, the merchant system including a merchant system identifier and a merchant point of interaction device in communication with the RFID reader, the merchant system configured to match the transponder system identifier and the merchant system identifier to a user transaction request forming a merchant transaction request;
    an issuer system comprising:
    an issuer system server in communication with the merchant point of interaction device for receiving the merchant transaction request; and
    an issuer system database including a funding source data file containing a funding source value for satisfying the merchant transaction request and a funding account protocol, the funding source data file associated with the transponder system identifier; and
    a primary funding source containing a primary funding source value, the primary funding source in communication with the issuer system server, the primary funding source configured for one of providing value to and receiving value from the funding account data file, the primary funding source associated with the transponder system identifier,
    wherein the issuer system retrieves at least a portion of the user transaction request value from the funding source data file and provides at least a portion of the funding source value to the merchant system in accordance with the funding protocol.
  3. 22. The transponder-reader system of claim 21, further comprising a secondary funding source containing a secondary funding source value, the secondary funding source in communication with the issuer system server, the secondary funding source configured for one of providing value to and receiving value from the funding source data file, the secondary funding source associated with the transponder system identifier.
  4. 23. The transponder-reader system of claim 21, wherein the funding source data file comprises a preloaded value data file and a reload protocol data file, the preloaded value data file and reload protocol data file associated with the transponder system identifier, the preload value data file storing a predetermined value for use in satisfying a user transaction request.
  5. 24. The transponder-reader system of claim 23, wherein the primary funding source is associated with the preloaded value data file.
  6. 25. The transponder-reader payment system of claim 23 wherein the issuer system server retrieves the portion of the funding source value from the primary funding source in accordance with the reload protocol data file.
  7. 26. The transponder-reader payment system of claim 25, wherein the primary funding source comprises a stored value account, charge card account, loyalty account, phone card account, credit card account or debit card account, or combinations thereof.
  8. 27. The transponder-reader payment system of claim 21, wherein the RFID reader receives the transponder system identifier in Track 1/Track 2 format.
  9. 28. A transponder-reader payment system comprising:
    a transponder system responsive to a Radio Frequency (RF) interrogation signal, the transponder system including a transponder database, the transponder database storing at least a transponder system identifier;
    a Radio Frequency Identification (RFID) reader in RF communication with the transponder system, the RFID reader providing an interrogation signal to the transponder system and receiving the transponder system identifier;
    a merchant system for receiving the transponder system identifier, the merchant system including a merchant system identifier and a merchant point of interaction device in communication with the RFID reader, the merchant system configured to match the transponder system identifier and the merchant system identifier to a user transaction request forming a merchant transaction request;
    an issuer system comprising:
    an issuer system server in communication with the merchant point of interaction device for receiving the merchant transaction request; and
    an issuer system database including a funding source data file containing a funding source value for satisfying the merchant transaction request and a funding account protocol, the funding source data file associated with the transponder system identifier; and
    a primary funding source containing a primary funding source value, the primary funding source in communication with the issuer system server, the primary finding source configured for one of providing value to and receiving value from the funding account data file, the primary funding source associated with the transponder system identifier,
    wherein the issuer system retrieves at least a portion of the user transaction request value from the funding source data file and provides at least a portion of the finding source value to the merchant system in accordance with the funding protocol,
    wherein further the primary funding source comprises a stored value account, charge card account, loyalty account, phone card account, credit card account or debit card account, or combinations thereof.
  10. 29. A method of transponder-reader payment comprising:
    providing a transponder system identifier to a merchant system via radio frequency signal;
    matching the transponder system identifier to the merchant system identifier and a user transaction request to form a merchant transaction request, the user transaction request containing a transaction value and a transaction identifying marker;
    providing the merchant transaction request to an issuer system server, the issuer system server comprising a funding account; and
    retrieving value from at least one of a primary funding source and a secondary funding source and providing the value to the funding account in accordance with a user defined funding protocol.
  11. 30. The method of claim 29 further comprising retrieving at least a portion of the user transaction value from the funding account and providing the retrieved portion of the user transaction value to a merchant system in accordance with the user defined funding protocol.
  12. 31. The method of claim 30, wherein the funding account comprises a preloaded value data file, wherein a value substantially equivalent to the retrieved portion of the user transaction value is added to the value in the preloaded value data file according to a preload protocol.
  13. 32. The method of claim 29, wherein the funding account comprises a stored value account, charge card account, loyalty account, phone card account, credit card account or debit card account, or combinations thereof.
  14. 33. The method of claim 29, wherein the transponder system identifier is provided to the merchant system in Track 1/Track 2 format.
  15. 34. A system for completing a transaction using a transaction device comprising:
    a RFID transaction device associated with a transaction device proxy code, the RFID transaction device comprising a transaction device storage for storing the transaction device proxy code;
    a merchant system, the merchant system including a merchant system database, and a point of interaction device in communication with the RFID transaction device for transmitting and receiving data from the RFID transaction device in a contactless environment, the point of interaction device in RF communication with the RFID transaction device;
    a transaction device account issuer system for maintaining a unique transaction account associated with the RFID transaction device, the transaction account correlated to a unique transaction account identifier, the transaction account for use in completing a transaction request,
    wherein the transaction device account issuer system provides the unique transaction account identifier to the transaction device database,
    wherein further the RFID transaction device provides the transaction device identifier to the merchant system point of interaction, the merchant system associating the transaction device identifier to the transaction request,
    wherein further the merchant system provides at least the transaction device identifier and the transaction request to the issuer system,
    wherein further the issuer system correlates the transaction device identifier to the unique transaction account, the issuer system satisfying the transaction request relative to the unique transaction account.
  16. 35. The method of claim 34, wherein the unique transaction account comprises a stored value account, charge card account, loyalty account, phone card account, credit card account or debit card account, or combinations thereof.
  17. 36. The method of claim 34, wherein the transponder device proxy code is provided to the point of interaction device in Track 1/Track 2 format.
  18. 37. A method for completing a transaction in a contactless environment comprising:
    providing a proxy code to a RFID transaction device;
    facilitating the providing of the proxy code to a merchant system;
    facilitating the providing of the proxy code to a transaction device issuer system, the transaction device issuer system maintaining a transaction device account correlative to the proxy code; and
    facilitating the completion of a transaction request correlative to the transaction device account.
  19. 38. The method of claim 37, wherein the transaction account comprises a stored value account, charge card account, loyalty account, phone card account, credit card account or debit card account, or combinations thereof.
  20. 39. The method of claim 37, wherein the proxy code is provided to the merchant system in Track 1/Track 2 format.
  21. 40. A method of transmitting data for transaction completion comprising:
    receiving a proxy transaction device account identifier, wherein the proxy account transaction device identifier includes at least one portion of a transaction device identifier associated with a transaction account;
    providing a transaction account identifier in accordance with a portion of the proxy transaction device identifier, the portion of the proxy transaction device identifier corresponding to a portion of the transaction account identifier; and
    correlating the transaction account identifier with a transaction account for use in satisfying a transaction.
  22. 41. The method of claim 40, wherein the transaction account comprises a stored value account, charge card account, loyalty account, phone card account, credit card account or debit card account, or combinations thereof.
  23. 42. The method of claim 40, wherein the proxy transaction device account identifier is received in Track 1/Track 2 format.
  24. 43. A computer implemented service for updating a merchant customer account database over a network for RF payment devices, comprising:
    a first database of information having a plurality of merchant customer records;
    a remote merchant customer database having a first plurality of customer account records, each of the account records associated with a corresponding recurring billing account record;
    a merchant process server for appending a merchant processing request to at least one of the first plurality of customer accounts to produce a merchant processing request data file for seeking approval of a transaction, the merchant process server receiving the transaction from an RF payment device, identifying one of the account records with the RF payment device, correlating the one account record with the corresponding recurring billing account record; and
    a process server for receiving the first database of information and the merchant processing request data file, the process server configured to compare the first database of information and the merchant processing request data file to produce a first comparison data file, the first comparison data file comprising a first record including a compilation of the merchant processing requests accepted for processing by the process server for the requested transaction, the first comparison data file further comprising a second record including a compilation of the merchant processing requests rejected for processing by the process server, the process server further configured to update the first database of information in accordance with the merchant processing request data file to include approved transactions from the RF payment device on the corresponding recurring billing record.
  25. 44. The service of claim 43, wherein the recurring billing record is associated with a stored value account, charge card account, loyalty account, phone card account, credit card account or debit card account, or combinations thereof.
  26. 45. The service of claim 43, wherein information received by the merchant process server from the RF payment device that identifies one of the account records with the RF payment device is received in Track 1/Track 2 format.
  27. 46. A method of updating a merchant customer transaction account database using a computer network for RF payment devices, comprising:
    receiving a first plurality of customer transaction account records, each of the account records being associated with a corresponding recurring billing account record;
    storing the first plurality of customer transaction account records on a local database, the local database being maintained by a local process server;
    storing the first plurality of customer transaction account records in a remote database, the remote database being accessed through a remote process server;
    receiving by a merchant process server the transactions from an RF payment device, identifying one of the account records corresponding with the RF payment device, and correlating the one account record with the corresponding recurring billing account record;
    providing a periodic registry file to the remote process server, the periodic registry file comprising an update request to the plurality of customer transaction account records for transactions requesting approval by the merchant system, the process server comparing the periodic registry file to the first plurality of customer transaction account record and updating the first plurality of customer transaction account records according to an order of process steps, the remote process server generating a maintenance file in response to the comparison of the periodic registry file to the first plurality of customer transaction account records;
    providing the maintenance file to the local process server, the local process server comparing the maintenance file to the first plurality of customer transaction account records on a local database; and
    updating the first plurality of customer transaction account records on a local database in response to the maintenance file to include approved transactions from the RF payment device on the corresponding recurring billing record.
  28. 47. The method of claim 46 further comprising pre-authorizing the first plurality of customer transaction account records.
  29. 48. The method of claim 46, wherein the recurrent billing account record is associated with a stored value account, charge card account, loyalty account, phone card account, credit card account or debit card account, or combinations thereof.
  30. 49. A method for facilitating the re-association of an account number associated with a first transaction account to a second transaction account comprising:
    providing a second transaction account;
    receiving an account number associated with a first transaction account;
    associating the account number with the second transaction account;
    wherein the account number is a proxy account number associated with a transponder, wherein the proxy account number within a proxy system is configured to associate the proxy account number to more than one transaction account, and wherein the proxy account number is authorized to be used for multiple transactions.
  31. 50. The method of claim 49 wherein the first transaction account comprises a stored value account, charge card account, loyalty account, phone card account, credit card account or debit card account, or combinations thereof.
  32. 51. The method of claim 49 wherein the second transaction account comprises a stored value account, charge card account, loyalty account, phone card account, credit card account or debit card account, or combinations thereof.
  33. 52. The method of claim 49, wherein the account number is received in Track 1/Track 2 format.
US11290903 2000-08-01 2005-11-29 System and method for transponder-enabled account transactions Pending US20060178937A1 (en)

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US11437534 Active 2023-09-27 US8781905B2 (en) 2000-08-01 2006-05-19 System and method for transponder-enabled account transactions
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US7702538B2 (en) 2010-04-20 grant
WO2002011019A1 (en) 2002-02-07 application
US20030126017A1 (en) 2003-07-03 application
US8781904B2 (en) 2014-07-15 grant
US20080021841A1 (en) 2008-01-24 application
US8781905B2 (en) 2014-07-15 grant
US20070094084A1 (en) 2007-04-26 application

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