WO2005029255A2 - Mobile electronic transaction system, device and method therefor - Google Patents
Mobile electronic transaction system, device and method therefor Download PDFInfo
- Publication number
- WO2005029255A2 WO2005029255A2 PCT/US2004/030281 US2004030281W WO2005029255A2 WO 2005029255 A2 WO2005029255 A2 WO 2005029255A2 US 2004030281 W US2004030281 W US 2004030281W WO 2005029255 A2 WO2005029255 A2 WO 2005029255A2
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- WO
- WIPO (PCT)
- Prior art keywords
- indicia
- value
- transaction
- wireless communication
- sum
- Prior art date
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
Definitions
- the present invention relates to a system, device and method for conducting
- the present invention relates to electronic transactions utilizing a wireless communications device.
- Payment is typically arranged by providing a credit card number online.
- a significant number of e-commerce shopper's have concerns about providing credit card information over the Internet.
- the liability for credit card holders is limited to $50 under the Fair Credit- Billing Act if an unauthorized charge is timely reported, the consumer ultimately pays for the fraud via interest rates and other fees.
- New payment systems have been developed which respond in part to the security concerns about providing credit card information to third parties by facilitating the payment portion of a transaction.
- these new payment systems do not respond to concerns where an item is ordered and the e-commerce retailer does not deliver the selected item.
- the payment system will still charge the shopper's account as soon as the item is ordered. Months may pass before the situation is resolved, ultimately resulting in a dispute to the credit card company.
- the '861 patent discloses a wireless telephone connected with a bar code scanner as a substitute for a personal shopping terminal.
- the '861 patent is an advance in wireless e-commerce, however the system does have shortcomings.
- the '861 patent does not provide for selecting an item while the shopper is not in the store.
- the '861 system is limited to purchasing items that have an associated barcode.
- the '861 system does not provide a means for making the transaction more paperless, nor is it applicable to services such as air travel, hotel or rental car accommodations.
- a system for conducting electronic transactions comprises a wireless communication device having memory storage, a display screen and a microprocessor, where the device is adapted to receive a transaction program and data.
- the transaction program is stored in the memory storage, the program contains instructions executable by the microprocessor to produce indicia representative of value on the display screen.
- the indicia representative of value is selected from the group consisting of an identifier of a purchased good, an identifier of a purchased service, a coupon, a discount, a prepaid transaction, an electronic negotiable instrument, a sum from a credit account, a sum from a debit account.
- a scanner is in communication with a merchant server for reading the indicia from the device.
- a provider server is accessible by the merchant server for storing and retrieving user account information.
- the system may include a scanner that reads the indicia from the screen of the device. Furthermore, the indicia may be a two dimensional barcode.
- the wireless communication device may further comprise an antenna for communication with said provider server. The indicia may further be interpreted to be representative of a product or service.
- a wireless communication device for conducting electronic transactions comprising a memory storage for storing a transaction program and a display screen for displaying information to a user.
- the device also comprises a microprocessor for executing instructions contained within the transaction program to produce indicia representative of value, where value is selected from the group consisting of an identifier of a purchased good, an identifier of a purchased service, a coupon, a discount, a prepaid transaction, an electronic negotiable instrument, a sum from a credit account, and a sum from a debit account, where the indicia is readable by a scanner in communication with a merchant server, where the merchant server is adapted to access a provider server for storing and retrieving user account information.
- a scanner may read the indicia from the screen of the wireless communication device.
- the indicia may be a two dimensional barcode.
- the wireless communication device may further comprise an antenna for communication with said provider database.
- the indicia may also be representative of a product or service.
- a method of conducting electronic transactions comprises the steps of providing a wireless communication device having memory storage, a display screen and a microprocessor, the device being adapted to receive a transaction program and data. Selecting a transaction and generating an indicia of value where value is selected from the group consisting of an identifier of a purchased good, an identifier of a purchased service, a coupon, a discount, a prepaid transaction, an electronic negotiable instrument, a sum from a credit account, and a sum from a debit account. Retrieving the indicia of value, providing the indicia of value to a merchant scanner and redeeming the indicia of value.
- the indicia may be downloaded from a remote server.
- the indicia may be generated by the wireless communications device.
- the indicia may be a two dimensional bar code.
- the indicia of value may be redeemed by scanning the indicia from the screen of the wireless device.
- a further step may include entering a password before the step of retrieving the indicia of value.
- FIG. 1 is a schematic illustration of the system for conducting electronic transactions according to the principles of the present invention.
- FIG. 2 is a block diagram revealing a wireless communication device and provider server in further detail.
- FIGS. 3a through 3c reveal sample screens displayed by a transaction program according to principles of the present invention.
- FIGS. 4a through 4c reveal sample screens displayed by the transaction program for retrieving indicia according to principles of the present invention.
- FIGS. 5a through 5d reveal sample screens displayed by the transaction program for selecting a transaction according to principles of the present invention.
- a system provider enables a user to engage in electronic transactions by employing a wireless communications device in conjunction with proprietary software. Through encryption algorithms that make sensitive data unreadable in real time, the system provider becomes a secure payment system provider to consumers.
- the system 10 for conducting electronic transactions comprises a wireless communications device 20 having a display screen 24 with indicia representing value, a good or service thereon.
- a scanner 50 which in the present embodiment is a bar code scanner is in communication with a merchant server 60 via a cable 52.
- the scanner 50 may be directly or indirectly coupled to the merchant server 60.
- the scanner 50 may first being communication with a point-of-sale system which then transmits data to the merchant server 60.
- a provider server 70 is in communication with a network 80 via a line 82, such as the Internet or a wireless network.
- the network 80 is in communication with a cellular network 90 via a line 84.
- the provider server 70 is accessible by the merchant server 60 via a line 86, a PBX or any data transmission system known in the art.
- FIG. 2 is a block diagram revealing a wireless communication device and provider server in further detail is shown.
- Wireless device 20 comprises memory storage 22, an IO port 29, function electronics 23, a display screen 24, a keypad 25 and memory card reader 27 in communication with a microprocessor 26.
- An antenna 28 is in communication with function electronics 23 and enables device 20 to send and receive data.
- IO port 29 may enable device 20 to send and receive data, instead of, or in addition to antenna 28.
- any communication technology known the art including infrared, laser, or radio, such as Bluetooth® may be employed to transmit and receive data.
- the scanner 50 may be a commercially available bar code scanner, such as a laser, laser diode, or charge coupled device. Additionally, scanner 50 may scan from any of the above mentioned communication technologies, including, but not limited to direct couple through an IO port, infrared, laser, or radio, such as from the antenna
- device 20 is a cellular telephone, however it should be apparent to those skilled in the art that any wireless device may be substituted for a cellular telephone including, but not limited to, a PDA (personal digital assistant), a handheld computer, or any device that comprises memory storage, a display screen and microprocessor.
- PDA personal digital assistant
- handheld computer or any device that comprises memory storage, a display screen and microprocessor.
- the provider server 70 comprises a commerce program 72 and database 74.
- the provider database 74 may include information such as a username, password, bank account information, credit card information, selected coupons, a prepaid transaction, an electronic negotiable instrument, a sum from a credit account and a sum from a debit account.
- the commerce program 72 provides instructions to enable a user to conduct electronic transactions.
- the merchant server 60 receives signals from the scanner 50 and communicates with the provider server 70.
- the merchant server 60 may also contain its own database for inventory and sales tracking.
- a transaction program 30 is stored in the memory storage 22 of device 20.
- the program 30 may be downloaded by wireless communications, such as radio signals, laser or infrared, wire communications, such as through the IO port 29, or from external media, such as a memory card through card reader 27.
- the program 30 contains instructions executable by the microprocessor 26 to enable a user to browse and select goods, services and coupons. Furthermore, a user may employ the program 30 to locate a participating retailer or service provider.
- a user selects a transaction by choosing a good, service, discount or coupon.
- the user pays for the good or service by using the transaction program 30 to contact the provider server 70 to cause the commerce program 72 to debit a credit account, debit a debit account, create an electronic negotiable instrument, create an identifier of a purchased good, or create an identifier of a purchased service.
- the database 74 records the actions taken by the commerce program 72.
- the database 74 may also record a prepaid transaction, a selected coupon, a discount, as well as any other pertinent user information, preferences or information indicative of purchasing habits.
- the transaction program 30 stored on device 20 will create an indicia 40 representative of value, where value is selected from an identifier of a purchased good, an identifier of a purchased service, a coupon, a discount, a prepaid transaction, an electronic negotiable instrument, a sum from a credit account, and a sum from a debit account.
- the indicia may also be representative of a product or service.
- the commerce program 72 on the provider server 70 may create the indicia 40, which is subsequently downloaded by the device 20.
- the user When a user is ready to complete a transaction at a participating retailer, the user will retrieve the indicia 40 of value by providing the indicia 40 of value to a merchant scanner 50 and redeem the indicia 40.
- the user will command the transaction program 30 to display indicia 40 representative of value on the display screen 24 of device 20.
- An indicia 40 representative of value will appear on the screen 24.
- the message is a two dimensional bar code.
- the user of the present invention will cause the backlight of the screen 24 to illuminate to provide the best image for scanning by the scanner 50.
- a scanner 50 will scan the indicia 40 from the wireless device 20.
- the scanner 50 scans indicia 40 from the screen 24.
- the indicia 40 may be scanned from the wireless device 20 by any means known in the art, including communication devices based on infrared, laser, or radio frequency or electrical signals.
- an infrared port (not shown) disposed in device 20 may communicate the indicia 40 to scanner 50.
- the wireless communication device 20 is in communication with a device adapted to communicate with a network, such as a personal computer connected to the Internet. Any means known in the art for communication between a wireless device and personal computer may be employed, including, but not limited to, a cradle or cable.
- the data necessary to generate indicia 40 representative of value or the indicia 40 may be downloaded from the provider server 70 to the wireless device 20 through IO port 29 coupled to a personal computer.
- the browsing and selection of an item may be completed through a personal computer and then the necessary data to generate indicia or indicia may be downloaded to the device 20. Therefore, the device 20 does not necessarily need to be capable of data transmission through an antenna 28 in order to be operable within the system 10 of the present invention.
- sample screens 24 displayed by a transaction program 30 reveal an example of using the present invention as a payment system.
- FIG. 3 a reveals an exemplary menu screen for making a payment to a merchant.
- the user will select the "Get Barcode” option to retrieve a stored barcode.
- the program 30 will prompt the user to enter a password, as shown in FIG. 3b.
- the user will then enter a password, more specifically a user PIN, to access the indicia 40, which in the present example is a 2-dimensional barcode.
- the indicia 40 expires once it has been redeemed, as shown in FIG. 3c.
- FIGS. 4a through 4c sample screens 24 displayed by a transaction program 30 reveal an example of using the present invention as to redeem coupons.
- FIG. 4a reveals an exemplary menu screen for retrieving a coupon to present to a merchant.
- the user will select the "Find Coupons" option to retrieve a stored indicia 40 of a coupon, which in this example is a barcode.
- the program 30 will display a list of available coupons, as shown in FIG. 4b.
- the user will then select a coupon to display.
- the program 30 will then display a coupon on the screen 24 for scanning as shown in FIG. 4c.
- sample screens 24 displayed by a transaction program 30 on device 20, which in the present example is a cellular phone 20, reveal an example of using the present invention to select a transaction.
- FIG. 5a reveals an exemplary menu screen for selecting among a number of services available to a user of the system 10 of the present invention.
- the user will select the "Flights" option to brows available flights.
- the program 30 will display a list of available search criteria, as shown in FIG. 5b.
- the user will then select criteria, which in the present example is "Cheapest”.
- the program 30 will then display a query menu for dates on the screen 24, as shown in FIG. 5 c.
- the program 30 will then display matches that have been found on the screen 24, as shown in FIG. 5d.
- the user may now select a flight and pay for the service. Later at an airport terminal, the user will prompt a scanner 50 to scan the device 20 to print a ticket or boarding pass.
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- Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Finance (AREA)
- Marketing (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
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Abstract
Description
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Priority Applications (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US10/528,919 US20060080111A1 (en) | 2002-09-26 | 2004-09-15 | Mobile electronic transaction system, device and method therefor |
CA002539201A CA2539201A1 (en) | 2003-09-15 | 2004-09-15 | Mobile electronic transaction system, device and method therefor |
US12/795,313 US20100312694A1 (en) | 2003-09-15 | 2010-06-07 | Mobile Electronic Transaction System, Device and Method Therefor |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US50312103P | 2003-09-15 | 2003-09-15 | |
US60/503,121 | 2003-09-15 |
Related Child Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US11/188,169 Continuation-In-Part US20070021969A1 (en) | 2003-09-15 | 2005-07-22 | Mobile electronic transaction system, device and method therefor |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2005029255A2 true WO2005029255A2 (en) | 2005-03-31 |
WO2005029255A3 WO2005029255A3 (en) | 2005-10-27 |
Family
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Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2004/030281 WO2005029255A2 (en) | 2002-09-26 | 2004-09-15 | Mobile electronic transaction system, device and method therefor |
Country Status (2)
Country | Link |
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CA (1) | CA2539201A1 (en) |
WO (1) | WO2005029255A2 (en) |
Citations (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20030233276A1 (en) * | 2002-06-18 | 2003-12-18 | Mark Pearlman | System and method of using portable electronic devices for electronic coupon and voucher redemption |
-
2004
- 2004-09-15 CA CA002539201A patent/CA2539201A1/en not_active Abandoned
- 2004-09-15 WO PCT/US2004/030281 patent/WO2005029255A2/en active Application Filing
Patent Citations (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20030233276A1 (en) * | 2002-06-18 | 2003-12-18 | Mark Pearlman | System and method of using portable electronic devices for electronic coupon and voucher redemption |
Also Published As
Publication number | Publication date |
---|---|
CA2539201A1 (en) | 2005-03-31 |
WO2005029255A3 (en) | 2005-10-27 |
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