Apparatus and method for an electronic telephone wallet and/or communication device wallet
OwnerAlexander I. Poltorakinventor
Life of this patent
Estimating the term…
Abstract
An apparatus and method for providing an electronic wallet device, including a memory device for storing payment identifier information associated with an account holder, a processing device for processing a payment command, wherein the processing device retrieves the payment identifier information from the memory device, and a transmitter for transmitting the payment identifier information to a merchant computer, wherein the merchant computer is associated with a merchant, and further wherein the payment identifier information is utilized in a transaction with the merchant.
Claims100
An apparatus for providing an electronic wallet device, comprising:
- a memory device for storing payment identifier information associated with an account holder;
- an input device for inputting a payment command into the apparatus;
- a processing device for processing the payment command, wherein the processing device retrieves the payment identifier information from the memory device;
- and
- a transmitter for transmitting the payment identifier information to a merchant computer, wherein the merchant computer is associated with a merchant, and further wherein the payment identifier information is utilized in a transaction with the merchant.
A method for providing an electronic wallet device, comprising:
- storing payment identifier information associated with an account holder in a memory device;
- inputting a payment command into the electronic wallet device;
- processing the payment command with a processing device, wherein the processing device retrieves the payment identifier information from the memory device;
- and
- transmitting the payment identifier information to a merchant computer, wherein the merchant computer is associated with a merchant, and further wherein the payment identifier information is utilized in a transaction with the merchant.
An apparatus for providing an electronic wallet device, comprising:
- a memory device for storing payment identifier information associated with an account holder;
- a receiver for receiving a payment command from a communication device associated with the account holder;
- a processing device for processing the payment command, wherein the processing device retrieves the payment identifier information from the memory device;
- and
- a transmitter for transmitting the payment identifier information to a merchant computer, wherein the merchant computer is associated with a merchant, and further wherein the payment identifier information is utilized in a transaction between the account holder and the merchant.
A method for providing an electronic wallet device, comprising:
- storing payment identifier information associated with an account holder in a memory device;
- receiving a payment command from a communication device associated with the account holder;
- processing the payment command with a central processing device, wherein the central processing device retrieves the payment identifier information from the memory device;
- and
- transmitting the payment identifier information to a merchant computer, wherein the merchant computer is associated with a merchant, and further wherein the payment identifier information is utilized in a transaction between the account holder and the merchant.
Dependencies are inferred from the claim text.