System and method for controlling financial transactions over a wireless network
DC
First Claim
1. A method for controlling transactions using a wireless device in a wireless network comprising the steps of:
- displaying point-of-sale locations to a user via one or more menus on the wireless device, the menus listing at least one point-of-sale location based upon a current location of the wireless device;
determining a particular point-of-sale location that is selected by the user for a desired transaction;
obtaining transaction amounts for one or more transactions at said particular point-of-sale location;
correlating one of said transaction amounts with the user'"'"'s desired transaction;
transmitting the correlated transaction amount to the wireless device for display to the user; and
charging the correlated transaction amount to a source of funds identified by the user to allow completion of the desired transaction.
3 Assignments
Litigations
2 Petitions
Accused Products
Abstract
A system and method for controlling financial transactions is disclosed. A customer, using a wireless device, identifies a point of sale and the amount of a transaction at that point of sale is first communicated to a central service and then transmitted to the wireless device for display at the wireless device. The customer can either accept the transaction amount to complete the transaction or reject the amount to cancel the transaction. The customer may have to enter a password or personal identification number to verify the authorization to use the wireless financial system. The customer is billed for the transaction via credit, debit, ATM or other methods, such as the wireless carrier or an internet provider.
94 Citations
4 Claims
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1. A method for controlling transactions using a wireless device in a wireless network comprising the steps of:
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displaying point-of-sale locations to a user via one or more menus on the wireless device, the menus listing at least one point-of-sale location based upon a current location of the wireless device; determining a particular point-of-sale location that is selected by the user for a desired transaction; obtaining transaction amounts for one or more transactions at said particular point-of-sale location; correlating one of said transaction amounts with the user'"'"'s desired transaction; transmitting the correlated transaction amount to the wireless device for display to the user; and charging the correlated transaction amount to a source of funds identified by the user to allow completion of the desired transaction. - View Dependent Claims (2, 3, 4)
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Specification
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- Resources
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Current AssigneeUnwired Planet LLC (JP Morgan Chase & Co)
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Original AssigneeOpenwave Systems Incorporated (JP Morgan Chase & Co)
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InventorsDennis, Charles L.
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Primary Examiner(s)RUDY, ANDREW J
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Application NumberUS11/405,312Publication NumberTime in Patent Office1,478 DaysField of Search379/201.1, 379/144.01, 235/7.27, 340/7.27, 455406-408, 455/410, 455/414.1, 455/414.2, 455/419, 455/456.1, 455/556.1, 705/21, 705/26, 705/35, 705/39, 705/65, 705/67, 713/168, 713/169, 713/182, 713/186US Class Current379/201.01CPC Class CodesG06F 3/04842 Selection of displayed obje...G06Q 20/04 Payment circuitsG06Q 20/10 specially adapted for elect...G06Q 20/20 Point-of-sale [POS] network...G06Q 20/202 Interconnection or interact...G06Q 20/206 comprising security or oper...G06Q 20/3224 Transactions dependent on l...G06Q 20/3226 Use of secure elements sepa...G06Q 20/3674 involving authenticationG06Q 20/42 Confirmation, e.g. check or...G06Q 40/03 Credit; Loans; Processing t...H04L 67/04 specially adapted for termi...H04L 67/306 User profilesH04L 67/51 Discovery or management the...H04L 67/535 Tracking the activity of th...H04M 15/68 Payment of value-added serv...H04M 2215/00 Metering arrangements; Time...H04M 2215/0176 Billing arrangements using ...H04M 2215/0196 Payment of value-added serv...H04M 2215/32 Involving wireless systemsView All
