# US 7,611,054 B2 · Mobile phone including wildcard data string

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- Number: US 7,611,054 B2
- Document ID: US7611054B2
- Status: Granted
- Kind: B2
- Application number: 11/977,716
- Filed: 2007-10-24
- Published: 2008-05-29
- Granted: 2009-11-03
- Earliest claimed: 2003-09-03
- Assignees: Visa U.S.A. Inc.
- Inventors: Corinne Bortolin; Loc Nguyen; Liane Redford
- Web page: https://patentgrep.com/patent/US7611054B2

## CPC

- G07F 7/1008: {Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system}
- G06Q 20/346: {Cards serving only as information carrier of service}
- G06Q 30/02: Marketing; Price estimation or determination; Fundraising
- G06Q 30/0207: Discounts or incentives, e.g. coupons or rebates
- G06Q 30/0215: {Including financial accounts}
- G06Q 30/0224: {based on user history}
- G06Q 30/0226: Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
- G06Q 30/0236: {Incentive or reward received by requiring registration or ID from user}
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})
- 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

## Abstract

A mobile phone with a data string including a wildcard value. The mobile phone includes a computer readable medium comprising code for storing a data string including a wildcard value, and a body. The mobile phone may be used in purchase transactions.

## Claims

### Claim 1

A mobile phone used by a consumer in a purchase transaction, the mobile phone comprising:
a body; and
a computer readable medium coupled to the body, the computer readable medium comprising a data string including one or more wildcard values, wherein the data string is specifically associated with the consumer, wherein the one or more wildcard values are associated with the purchase transaction.

### Claim 2 (depends on 1)

The mobile phone of claim 1, wherein the data string including one or more wildcard values encompasses identification codes for two or more different products.

### Claim 3 (depends on 2)

The mobile phone of claim 2, wherein the identification codes optionally include universal product codes (UPCs) or stock keeping units (SKUs).

### Claim 4 (depends on 1)

The mobile phone of claim 1, wherein the data string including one or more wildcard values encompasses two or more values.

### Claim 5 (depends on 1)

The mobile phone of claim 1, wherein the data string is specifically associated with a purchasing preference of the consumer.

### Claim 6 (depends on 1)

The mobile phone of claim 1, wherein the data string including the one or more wildcard values represents a plurality of products associated with the purchase transaction.

### Claim 7 (depends on 1)

The mobile phone of claim 1, wherein the data string represents a type of product associated with the purchase transaction.

### Claim 8 (depends on 1)

The mobile phone of claim 1, wherein the data string represents whether the consumer is a repeat customer.

### Claim 9 (depends on 1)

The mobile phone of claim 1, wherein the data string is associated with a benefit.

### Claim 10 (depends on 9)

The mobile phone of claim 9, wherein the benefit is associated with a future purchase of a product.

### Claim 11

A method of using a mobile phone by a consumer in a purchase transaction, the method comprising:
obtaining a mobile phone comprising a computer readable medium comprising a data string including one or more wildcard values, wherein the data string is specifically associated with the consumer, wherein at least one wildcard value is associated with the purchase transaction; and
using the mobile phone at an access device.

### Claim 12 (depends on 11)

The method of claim 11, wherein the data string including the one or more wildcard values encompasses identification codes for two or more products.

### Claim 13 (depends on 12)

The method of claim 12, wherein the identification codes optionally include universal product codes (UPCs) or stock keeping units (SKUs).

### Claim 14 (depends on 12)

The method of claim 12, wherein the two or more products are products that the consumer is pre-authorized to purchase.

### Claim 15 (depends on 12)

The method of claim 12, wherein the two or more products are products that the consumer is not authorized to purchase.

### Claim 16 (depends on 11)

The method of claim 11, wherein the data string including one or more wildcard values encompasses two or more values.

### Claim 17 (depends on 11)

The method of claim 11, wherein the data string is specifically associated with a purchasing preference of the consumer.

### Claim 18 (depends on 11)

The method of claim 11, wherein the data string including the one or more wildcard values represents a plurality of products associated with the purchase transaction.

### Claim 19 (depends on 11)

The method of claim 11, wherein the access device is a different mobile phone.

### Claim 20

A system for managing transactions with respect to a consumer in conducting a purchase transaction, comprising:
a mobile phone configured to store a first data string having one or more wildcard values, wherein the first data string is specifically associated with the consumer, wherein the one or more wildcard values are associated with the purchase transaction; and
an access device configured to communicate with the mobile phone and to manage the purchase transaction.

### Claim 21 (depends on 20)

The system of claim 20, wherein the first data string encompasses a plurality of product codes.

### Claim 22 (depends on 20)

The system of claim 20, wherein the plurality of product codes include a universal product code (UPC) or a stock keeping unit (SKU).

### Claim 23 (depends on 20)

The system of claim 20, wherein the first data string represents one or more product preferences of the consumer.

### Claim 24 (depends on 20)

The system of claim 20, wherein the first data string encompasses a plurality of product codes corresponding to a plurality of products, and wherein the first data string is used to determine whether the consumer is permitted to purchase one or more of the plurality of products during the transaction or is permitted access to a website or a specific message or a function.

### Claim 25 (depends on 20)

The system of claim 20, wherein the first data string encompasses a plurality of product codes corresponding to a plurality of products, and wherein the first data string is used to determine whether the consumer is entitled to receive a benefit.

### Claim 26 (depends on 20)

The system of claim 20, wherein the first data string is used to determine a benefit to be received by the consumer.

### Claim 27 (depends on 20)

The system of claim 20, further comprising a host configured to communicate information with the access device, wherein the access device is further configured to update the mobile phone using information provided by the host, and wherein the information provided by the host includes an updated first data string.

### Claim 28 (depends on 20)

The system of claim 20, wherein the host communicates with the access device via a communication medium including the Internet.

### Claim 29 (depends on 20)

The system of claim 20, wherein the first data string having the one or more wildcard values encompasses two or more values.