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US 2011/0258114 A1Published application
Apparatus and method for an electronic telephone wallet and/or communication device wallet
OwnerAlexander I. Poltorakinventor
Life of this patent
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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.
Claims28
A method of electronic commerce, the method comprising:
- storing a first pre-specified payment identifier of a first user at a storage device of a central processing computer;
- receiving by the central processing computer from a first remote communication device a first payment command;
- retrieving, in response to receiving the first payment command by the central processing computer, the first pre-specified payment identifier of the first user from the storage device;
- and
- transmitting to a first merchant computer of a first merchant, by the central processing computer, the first pre-specified payment identifier retrieved from the storage device, whereby the first user is enabled to request the central processing computer to provide the first pre-specified payment identifier to the first merchant computer;
- wherein the central processing computer is configured to enable the first user to cause a payment corresponding to the first payment command to be made to the first merchant for processing a first transaction (1) without storing the first pre-specified payment identifier at the first remote communication device, and (2) without the first user providing the first pre-specified payment identifier to the central processing computer through the first remote communication device.
3 more elements
A processing computer comprising:
- a storage device;
- and
- a processing device coupled to the storage device;
- wherein the processing computer is configured to perform steps of a method of electronic commerce, the method comprising:
- storing a first pre-specified payment identifier of a first user at a storage device of a central processing computer;
- receiving by the central processing computer from a remote communication device of the first user a first payment command;
- retrieving, in response to receiving the first payment command by the central processing computer, the first pre-specified payment identifier of the first user from the storage device;
- transmitting to a first merchant computer of a first merchant, by the central processing computer, the first pre-specified payment identifier retrieved from the storage device, whereby the first user is enabled to request the central processing computer to provide the first pre-specified payment identifier to the first merchant computer;
- and
- consummating a first transaction between the first user and the first merchant;
- wherein the central processing computer is configured to enable the first user to cause a payment corresponding to the first payment command to be made to the first merchant for processing the first transaction (1) without storing the first pre-specified payment identifier at the remote communication device of the first user, and (2) without the first user providing the first pre-specified payment identifier to the central processing computer through the remote communication device of the first user.
8 more elements
A processing computer comprising:
- a means for storing;
- and
- a means for processing coupled to the means for storing;
- wherein the processing computer is configured to perform steps of a method of electronic commerce, the method comprising:
- storing a first pre-specified payment identifier of a first user at the means for storing of the processing computer;
- receiving by the processing computer from a remote communication device of the first user a first payment command;
- retrieving, in response to receiving the first payment command by the processing computer, the first pre-specified payment identifier of the first user from the means for storing;
- transmitting to a first merchant computer of a first merchant, by the processing computer, the first pre-specified payment identifier retrieved from the means for storing, whereby the first user is enabled to request the processing computer to provide the first pre-specified payment identifier to the first merchant computer;
- and
- consummating a first transaction between the first user and the first merchant;
- wherein the processing computer is configured to enable the first user to cause a payment corresponding to the first payment command to be made to the first merchant for processing the first transaction (1) without storing the first pre-specified payment identifier at the remote communication device of the first user, and (2) without the first user providing the first pre-specified payment identifier to the processing computer through the remote communication device of the first user.
8 more elements
A memory device storing software for performing a method of electronic commerce at a central processing computer, the method comprising steps of:
- storing a first pre-specified payment identifier of a first user at a storage device of the central processing computer;
- receiving by the central processing computer from a remote communication device of the first user a first payment command;
- retrieving, in response to receiving the first payment command by the central processing computer, the first pre-specified payment identifier of the first user from the storage device;
- transmitting to a first merchant computer of a first merchant, by the central processing computer, the first pre-specified payment identifier retrieved from the storage device, whereby the first user is enabled to request the central processing computer to provide the first pre-specified payment identifier to the first merchant computer;
- and
- consummating a first transaction between the first user and the first merchant;
- wherein the central processing computer is configured to enable the first user to cause a payment corresponding to the first payment command to be made to the first merchant for processing the first transaction (1) without storing the first pre-specified payment identifier at the remote communication device of the first user, and (2) without the first user providing the first pre-specified payment identifier to the central processing computer through the remote communication device of the first user.
4 more elements
Dependencies are inferred from the claim text.