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RF payment via a mobile device

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06F-017/60
출원번호 US-0711965 (2004-10-15)
등록번호 US-7493288 (2009-02-17)
발명자 / 주소
  • Biship,Fred
  • Saunders,Peter D
출원인 / 주소
  • Xatra Fund MX, LLC
대리인 / 주소
    Snell & Wilmer L.L.P.
인용정보 피인용 횟수 : 66  인용 특허 : 319

초록

A process for providing an RF module configured to convert a nontraditional transaction device for traditional transaction completion is disclosed. The RF module is placed in physical and logical communication with a microprocessor of a nontraditional transaction device for providing user account in

대표청구항

What is claimed is: 1. A method for facilitating a mobile device payment transaction at a Radio Frequency (RF) reader, comprising: receiving an authentication transmission comprising an encrypted authentication code and a RF ID code; reading a decryption key associated with the RF ID code; using th

이 특허에 인용된 특허 (319)

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  215. Knebelkamp Michael (Freising DEX), Reduced current antenna circuit.
  216. Wu Shye-Lin,TWX, Reduced mask CMOS salicided process.
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  218. Trautner Stefan,DEX, Reusable package for identification devices.
  219. Heise Stanley R. (Blaine MN) Blackston Michael D. (Brooklyn MN) Zekich Michael B. (Pasadena CA) Parselle John L. B. (Pasadena CA), Revolving door system.
  220. Berthon Alain,FRX, Ring antennas for resonant circuits.
  221. Wessel Kenneth R. (26 Beech St. White Plains NY 10604), Secure badge for infrared badge reader and process for making same.
  222. Laczko ; Sr. Frank L. ; Steiss Donald E., Secure computing device including operating system stored in non-relocatable page of memory.
  223. Colbert Raymond O. (Naperville IL), Secure credit/debit card authorization.
  224. Byatt Stephen (Bromham GB2), Semiconductor switching device.
  225. Hee-young Park KR, Server system communicating with personal digital assistant and communication method thereof.
  226. Gove Robert J. ; Balmer Keith,GBX ; Ing-Simmons Nicholas Kerin,GBX ; Guttag Karl Marion, Single integrated circuit embodying a risc processor and a digital signal processor.
  227. D\Hont Loek J. (Almelo NLX), Single loop transponder system and method.
  228. Balmer Keith (Bedford GB2), Sliced addressing multi-processor and method of operation.
  229. Teicher Mordechai,ILX ; Townend Robin,GBX, Smart card pin system, card, and reader.
  230. Bradley James Frederick ; Bradley Joanna ; Cooper Paul W., Smart card providing a plurality of independently accessible accounts.
  231. Postlewaite William M. ; Vogel Kim J. ; Maynard Jason ; Poole Vincent, Smart card reader having multiple data enabling storage compartments.
  232. Harrell, Martha F., Smart card system for providing financial, travel, and entertainment-related services.
  233. Baratelli Paul J., Smart card with integrated fingerprint reader.
  234. Mandelbaum Richard (Manalapan NJ) Sherman Stephen A. (Hackettstown NJ) Wetherington Diane R. (Bernardsville NJ), Smartcard adapted for a plurality of service providers and for remote installation of same.
  235. Piosenka Gerald V. ; Fox Thomas M. ; Schmidt Kenneth H., Solar cell powered smart card with integrated display and interface keypad.
  236. Hurta Dwaine S. (Garland TX) Tip Anne (McKinney TX) Wolfart Peter (Neu-Anspach DEX), Speedup for monetary transactions using a transponder in conjunction with a smartcard.
  237. Tuttle John R. (Boise ID), Spherical antenna pattern(s) from antenna(s) arranged in a two-dimensional plane for use in RFID tags and labels.
  238. D\Hont Lodewijk J. (Zwolle NLX), Synchronization system for overlay of an internal video signal upon an external video signal.
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  246. Ronen Yzhak, System and method for billing for transactions conducted over the internet from within an intranet.
  247. Hogan Edward J. (Bayside NY), System and method for conducting cashless transactions.
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  249. Hogan Edward J. (Bayside NY), System and method for conducting cashless transactions on a computer network.
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  251. Ogasawara, Nobuo, System and method for customer recognition using wireless identification and visual data transmission.
  252. Rohrbach William R., System and method for employing a telecommunications network to remotely disable a SIM or smartcard.
  253. Wagner, Richard Hiers, System and method for enabling transactions between a web server and a smart card, telephone, or personal digital assistant over the internet.
  254. Dutta, Rabindranath, System and method for improved mobile phone functionality.
  255. Sloan Jerry F., System and method for locking and unlocking an application in a smart card.
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  258. Tarbox Andrew W., System and method for processing a customized financial transaction card.
  259. Kling Constance W. ; Levy Jay S. ; Meliones Cheryl A., System and method for processing multiple electronic transaction requests.
  260. Schuermann Josef (Oberhummel DEX), System and method for reading multiple RF-ID transponders.
  261. Cerra, Peter J., System and method for recovering refundable taxes.
  262. Fox, Barbara L.; Waters, Lester L.; Spelman, Jeffrey F.; Seidensticker, Robert B.; Thomlinson, Matthew W., System and method for secure electronic commerce transaction.
  263. Horowitz, Edward; Kawan, Joseph C.; Lichstein, Henry, System and method for transferring value to a magnetic stripe on a transaction card.
  264. Stafford Ronald E., System and method for transmitting data using reflected electromagnetic radiation.
  265. Suzuki Hikaru, System and method for updating shopping transaction history using electronic personal digital shopping assistant.
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  269. Sharpe Claude A. (McKinney TX) Lindsley Robert P. (Lucas TX), System for automated toll collection assisted by GPS technology.
  270. Koelle Alfred R. (Los Alamos NM) Landt Jeremy A. (Los Alamos NM), System for identifying particular objects.
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  272. Kawan Joseph C., System for performing financial transactions using a smartcard.
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  275. Nguyen Trong ; Subramanian Mahadevan P. ; Haller Daniel R., System, method and article of manufacture for a gateway system architecture with system administration information acce.
  276. Kramer Glenn A., System, method and article of manufacture for a modular gateway server architecture.
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  280. Rowney Kevin Thomas Bartholomew ; Nadig Deepak S., System, method and article of manufacture for secure network electronic payment and credit collection.
  281. Williams Humphrey ; Hughes Kevin ; Parmar Bipinkumar G., System, method and article of manufacture for the use of payment instrument holders and payment instruments in network.
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  283. D\Hont Loek (Almelo NLX) Schuermann Josef H. (Oberhuemmelen DEX), Tilted antenna.
  284. Edenson Roy I. ; Nerlikar Madhu, Tiris based bios for protection of "copyrighted" program material.
  285. Jha Sunil C. (Attleboro MA) Forster James A. (Barrington RI) Howard Robert W. (Pawtucket RI), Titanium metal foils and method of making.
  286. Hurta Dwaine S. ; Frazee Francis B., Transaction accounting of toll transactions in transponder systems.
  287. Lasch, Ellen; Webb, Lisa; Vigiletti, Judy; Faenza, Jr., William J., Transaction card.
  288. Joao Raymond Anthony ; Bock Robert Richard, Transaction security apparatus and method.
  289. Vanstone Scott A.,CAX, Transaction verification protocol for Smart Cards.
  290. Webb Lisa ; Faenza ; Jr. William J. ; Lasch Ellen ; Vigiletti Judy, Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chip.
  291. Kiekhaefer, John H., Transparent/translucent financial transaction card.
  292. Kiekhaefer, John H., Transparent/translucent financial transaction card.
  293. Schuermann Josef H. (Oberhummel DEX) Heinecke Guenter (Langenbach DEX) Kremer Rudolf (Wartenberg DEX), Transponder arrangement.
  294. Meier Herbert,DEX, Transponder for remote keyless entry systems.
  295. Brennan John E., Transponder including a fluid cushioning medium and a method for its production.
  296. Hurta Dwaine S. (Garland TX) Froschermeier Guenther (Abensberg DEX), Transponder interface circuit.
  297. Hurta Dwaine S. (Garland TX) Froschermeier Guenther (Abensberg DEX), Transponder interface circuit.
  298. Hurta Dwaine S. (Garland TX) Frazee Francis B. (Plano TX), Transponder maintenance mode method.
  299. Aslanidis Konstantin O.,DEX ; Meier Herbert,DEX ; Hagl Andreas,DEX, Transponder signal collision avoidance system.
  300. D\Hont Loek (Almelo NLX) Tip Anne (Overdinkel NLX) Meier Herbert (Moosburg DEX), Transponder systems for automatic identification purposes.
  301. D\Hont Loek (Almelo NLX) Tip Anne (Overdinkel NLX) Meier Herbert (Moosburg DEX), Transponder systems for automatic identification purposes.
  302. Schurmann Josef H. (Moosburg DEX) Meier Herbert (Moosburg DEX), Transponder/interrogator protocol in a multi-interrogator field.
  303. Meier Herbert (Moosburg DEX), Transponders, Interrogators, systems and methods for elimination of interrogator synchronization requirement.
  304. Lutz William A. (Halesite NY) Wright John B. (Crestwood NY) Moss Noel (St. Louis MO) Delia Richard (Brooklyn NY), Travelers cheque transaction terminal.
  305. Flaxl Thomas,DEX, Tuning circuit having switchable capacitor controlled by a selection circuit.
  306. Alexander Rozin IL, Two-way radio-based electronic toll collection method and system for highway.
  307. Falcone Robert J. (Odessa TX) Hogan Timothy J. (Allen TX), Ultrasonic bonding process.
  308. Zimmerman Fred ; Severson Verne, Unattended POS system for automatic control of bank system rejections.
  309. Gove Robert J. (Plano TX) Guttag Karl Marion (Missouri City TX) Balmer Keith (Bedford GBX) Ing-Simmons Nicholas Kerin (Bedford GBX), Unique processor identifier in a multi-processing system having plural memories with a unified address space correspondi.
  310. D\Hont Loek (Almelo NLX), Unitarily-tuned transponder/shield assembly.
  311. Chasek Norman E. (24 Briar Brae Rd. Stamford CT 06903), Universally applicable, in-motion and automatic toll paying system using microwaves.
  312. Jones Timothy Lloyd,GB2 ; Higgins Graham Robert L.,GB2, Value transfer system.
  313. DeVries, Jr., Martin; Lynam, Niall R., Vehicle mounted remote transaction interface system.
  314. Beuk Leonardus G.M.,NLX ; Kohler Hans E.P.,NLX ; Jansen Robertus C.J.,NLX ; Van Gerwen Adrianus H.,NLX, Wireless communication system for reliable communication between a group of apparatuses.
  315. d'Hont Loek, Wireless flywheel synchronization method.
  316. Tuttle, Mark E., Wireless identification device, RFID device with push-on/push off switch, and method of manufacturing wireless identification device.
  317. Joseph C. Kawan, Wireless transaction and information system.
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  2. Brake, Jr., Francis B.; Schwartz, Deborah; Zimmerman, Jennifer, Customer activated multi-value (CAM) card.
  3. Chen, Chien-Sheng, Demodulating module, RFID system utilizing the demodulating module and method thereof.
  4. Mogollon, Francisco; McCabe, Colin T., Dynamic security code push.
  5. Knight, Nigel; Baker, Richard; Metherell, Mel; Chittick, Ian; Parkin, Richard; Leong, Sang; Green, Les; Anders, Marc A., International banking system and method.
  6. Knight, Nigel; Baker, Richard; Metherell, Mel; Chittick, Ian; Parkin, Richard; Leong, Sang; Green, Les; Anders, Marc A., International banking system and method.
  7. Night, Nigel; Baker, Richard; Metherell, Mel; Chittick, Ian; Parkin, Richard; Leong, Sang; Green, Les; Anders, Marc A., International banking system and method.
  8. Norman, Richard; Vicknair, Tommy J.; Shishmanian, Carl; Stephens, Jr., John Spence; Jennings, W. Earl; James, David L., Method and system for facilitating network transaction processing.
  9. Norman, Richard; Vicknair, Tommy J.; Shishmanian, Carl; Stephens, Jr., John Spence; Jennings, W. Earl; James, David L., Method and system for facilitating network transaction processing.
  10. Kim, Pilsang; Yang, Jaewan, Mobile terminal and payment method thereof.
  11. McCabe, Colin T., Modular electronic wallet.
  12. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  13. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  14. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  15. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  16. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Registering a biometric for radio frequency transactions.
  17. Starbuck, Rick; Paul, Jaeson; Lucas, Brad X.; Acharya, Ravi, Remote account control system and method.
  18. Waters, Patrick; Manning, Stephanie, Security for wireless communication.
  19. Waters, Patrick; Manning, Stephanie, Security for wireless communication.
  20. Kaza, Shrinivas K.; McRae, Xuan (Sunny) N.; Subramani, Dillip K.; Roland, Matthew Grant; Lopin, Pavel; Mueller, Georg, System and method for automatically enrolling buyers into a network.
  21. Alarcon-Luther, Melissa; Fellner, Debra C.; Sabloff, Barry M.; Schell, III, Frank Charles; Mesrobian, Peter Mark; Griffin, Ginger; Dorion, Michelle; Karris, Gus, System and method for currency selectable stored value instrument.
  22. Brown, Karen Lavern; Manarky, Lisa Kim, System and method for electronic bill pay and presentment.
  23. Meyer, Shannon D.; Haggerty, Margaret A.; Schwabinger, Rick, System and method for electronic remittance of funds.
  24. Arnold, Brian L.; Simpson, Paul H.; Fitzgerald, Thomas Steven; Lo, Pik Kwan; Wilson, James K.; Brockwell, John C.; Quinn, Michael F., System and method for enhancing supply chain transactions.
  25. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  26. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  27. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
  28. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  29. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  30. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  31. Taylor, Robert Cameron; Pilarcik, Jeffrey J.; Ley, Paula M., System and method for granting promotional rewards to both customers and non-customers.
  32. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  33. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  34. Breslin, Jodi; Borgia, Evelyn; de Gottal, Graham, System and method for managing risks associated with outside service providers.
  35. Scott, Kelly W., System and method for network-based project management.
  36. Das, Jayanta, System and method for offering risk-based interest rates in a credit instrument.
  37. Das, Jayanta, System and method for offering risk-based interest rates in a credit instutment.
  38. Everhart, Glenn C., System and method for preventing identity theft or misuse by restricting access.
  39. Sorem, Steve, System and method for processing transactions.
  40. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  41. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  42. Field, Manning R.; Reinhard, Walter Brent; Keld, Marcia, System and method for processing transactions using a multi-account transactions device.
  43. Bowers, Theodore J; Ilijasic, Dean; Sanders, Shelley F., System and method for providing discriminated content to network users.
  44. Sanders, Shelley F.; Bowers, Theodore; Ilijasic, Dean, System and method for providing incentives to consumers to share information.
  45. Fei, Huchen; Yang, Dong; Hong, Xiao, System and method for rapid updating of credit information.
  46. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
  47. Miller, Lawrence R; Trenholm, Martin J., System and method for single session sign-on.
  48. Miller, Lawrence R; Trenholm, Martin J., System and method for single session sign-on.
  49. Ellmore, Kimberly, System and method for single sign on process for websites with multiple applications and services.
  50. Rau, Scott W.; Bertetti, Scott Philip; Beechum, Jr., Gerald A., System and method for transponder-enabled account transactions.
  51. Rau, Scott W.; Bertetti, Scott Philp; Beechum, Jr., Gerald A., System and method for transponder-enabled account transactions.
  52. Rau, Scott W.; Bertetti, Scott Philp; Beechum, Jr., Gerald A., System and method for transponder-enabled account transactions.
  53. Tamassia, Hugh Robert; Stransky, Peter Franklin; Acharya, Ravi; Ranganath, Satyan, System and methods for mobile ordering and payment.
  54. Freund, Peter C., System and process for performing purchase transactions using tokens.
  55. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, System for biometric security using a fob.
  56. McCabe, Colin T., System, method, apparatus and computer program product for interfacing a multi-card radio frequency (RF) device with a mobile communications device.
  57. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  58. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  59. Tamassia, Hugh Robert; Stransky, Peter Franklin; Acharya, Ravi; Avatara, Satyan, Systems and methods for mobile ordering and payment.
  60. Tamassia, Hugh Robert; Stransky, Peter Franklin; Acharya, Ravi; Ranganath, Satyan, Systems and methods for mobile ordering and payment.
  61. Everhart, Glenn Cobourm, Systems and methods for time variable financial authentication.
  62. Everhart, Glenn Cobourm, Systems and methods for time variable financial authentication.
  63. DeLoach, John Mark, Universal payment protection.
  64. DeLoach, John Mark, Universal payment protection.
  65. DeLoach, John Mark, Universal payment protection.
  66. Simons, Paul, Variable rate payment card.
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