# US 8,788,411 B2 · RFID payment system

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- Number: US 8,788,411 B2
- Document ID: US8788411B2
- Status: Granted
- Kind: B2
- Application number: 13/044,096
- Filed: 2011-03-09
- Published: 2012-06-14
- Granted: 2014-07-22
- Earliest claimed: 2010-12-13
- Assignees: eBay Inc.
- Applicants: Frank Anthony Nuzzi; Darrin Brook Giesy
- Inventors: Frank Anthony Nuzzi; Darrin Brook Giesy
- Web page: https://patentgrep.com/patent/US8788411B2

## CPC

- G06Q 20/3278: {RFID or NFC payments by means of M-devices}
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/227: {characterised in that multiple accounts are available, e.g. to the payer}
- 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 method for making a payment using a RFID system includes associating a first RFID identifier with a payer account in a database. A purchase type and an associated spending gate definition are received for the first RFID identifier over the network. The spending gate definition is associated with at least one of a plurality of funding sources of the payer account. The purchase type and associated spending gate definition are associated with the first RFID identifier in the database. A payment request is received for a purchase using the first RFID identifier over the network. It is determined that that the payment request includes the purchase type in the database. A payment is made using the at least one funding source of the payer account according to the spending gate definition associated with the purchase type.

## Claims

### Claim 1

A method for making a payment using a Radio Frequency Identification (RFID) system, comprising:
associating, by a payment service provider device, a first RFID identifier of a first physical RFID device with a payer account in a database;
associating, by the payment service provider device, a second RFID identifier of a second physical RFID device with the first RFID identifier in the payer account in the database;
receiving, by the payment service provider device, a purchase type and an associated spending gate definition for the first RFID identifier over a network, wherein the spending gate definition is associated with at least one of a plurality of funding sources of the payer account;
associating, by the payment service provider device, the purchase type and associated spending gate definition with the first RFID identifier in the database;
receiving, by the payment service provider device, a payment request for a purchase using the second RFID identifier over the network;
determining, by the payment service provider device, that the second RFID identifier is associated with the first RFID identifier and, in response, determining that payment request includes the purchase type for the first RFID identifier; and
processing, by the payment service provider device, a payment using the at least one funding source of the payer account according to the spending gate definition associated with the purchase type.

### Claim 2 (depends on 1)

The method of claim 1, wherein the purchase type includes a type of goods being purchased.

### Claim 3 (depends on 1)

The method of claim 1, wherein the first RFID identifier is associated with a first payee.

### Claim 4 (depends on 3)

The method of claim 3, further comprising:
receiving, by the payment service provider device, a plurality of payer information for the first RFID identifier over the network, wherein the plurality of payer information is not related to the payer account;
associating, by the payment service provider device, the plurality of payer information with the first RFID identifier in the database;
receiving, by the payment service provider device, the first RFID identifier over the network;
sending, by the payment service provider device, the plurality of payer information over the network to a payee device that is associated with the first payee.

### Claim 5 (depends on 1)

The method of claim 1, wherein the second RFID identifier is associated with a second payee in the database, and wherein the method further comprises:
receiving, by the payment service provider device, a plurality of payer information for the second RFID identifier over the network, wherein the plurality of payer information is not related to the payer account;
associating, by the payment service provider device, the plurality of payer information with the second RFID identifier in the database;
receiving, by the payment service provider device, the first RFID identifier from the second payee over the network;
determining, by the payment service provider device, that the second RFID identifier is associated with the first RFID identifier and the second payee in the database; and
sending, by the payment service provider device, the plurality of payer information over the network to a payee device that is associated with the second payee.

### Claim 6 (depends on 1)

The method of claim 1, wherein the first RFID identifier is associated with a first payee and the second RFID identifier is associated with a second payee in the database, and wherein the second payee is a different payee than the first payee.

### Claim 7

A non-transitory, machine-readable medium comprising a plurality of machine-readable instructions that, when executed by one or more processors, are adapted to cause the one or more processors to perform a method comprising:
associating a first RFID identifier of a first physical RFID device with a payer account in a database;
associating a second RFID identifier of a second physical RFID device with the first RFID identifier in the payer account in the database;
receiving a purchase type and an associated spending gate definition for the first RFID identifier over a network, wherein the spending gate definition is associated with at least one of a plurality of funding sources of the payer account;
associating the purchase type and associated spending gate definition with the first RFID identifier in the database;
receiving a payment request for a purchase using the second RFID identifier over the network;
determining that the second RFID identifier is associated with the first RFID identifier and, in response, determining that the payment request includes the purchase type for the first RFID identifier; and
processing a payment using the at least one funding source of the payer account according to the spending gate definition associated with the purchase type.

### Claim 8 (depends on 7)

The machine-readable medium of claim 7, wherein the purchase type includes a type of goods being purchased.

### Claim 9 (depends on 7)

The machine-readable medium of claim 7, wherein the first RFID identifier is associated with a first payee.

### Claim 10 (depends on 9)

The non-transitory machine-readable medium of claim 9, wherein the plurality of machine-readable instructions are adapted to cause the one or more processors to perform the method further comprising:
receiving a plurality of payer information for the first RFID identifier over the network, wherein the plurality of payer information is not related to the payer account;
associating the plurality of payer information with the first RFID identifier in the database;
receiving the first RFID identifier over the network;
sending the plurality of payer information over the network to a payee device that is associated with the first payee.

### Claim 11 (depends on 9)

The machine-readable medium of claim 9, wherein the second RFID identifier is associated with a second payee in the database, and wherein the plurality of machine-readable instructions are adapted to cause the one or more processors to perform the method further comprising:
receiving a plurality of payer information for the second RFID identifier over the network, wherein the plurality of payer information is not related to the payer account;
associating the plurality of payer information with the second RFID identifier in the database;
receiving the first RFID identifier from the second payee over the network;
determining that the second RFID identifier is associated with the first RFID identifier and the payee in the database; and
sending the plurality of payer information over the network to a payee device that is associated with the second payee.

### Claim 12 (depends on 9)

The machine-readable medium of claim 9, wherein the first RFID identifier is associated with a first payee and the second RFID identifier is associated with a second payee in the database, and wherein the second payee is a different payee than the first payee.

### Claim 13

A Radio Frequency Identification (RFID) payment system, comprising:
at least one non-transitory, computer readable medium storing a payer account;
at least one processing system that is coupled to the at least one non-transitory, computer readable medium and that is configured to execute instructions that are stored on the at least one non-transitory, computer readable medium to perform the steps of:
associating a first RFID identifier of a first physical RFID with the payer account in the at least one non-transitory, computer readable medium;
associating a second RFID identifier of a second physical RFID with the first RFID identifier in the payer account in the at least one non-transitory, computer readable medium;
receiving a purchase type and an associated spending gate definition for the first RFID identifier, wherein the spending gate definition is associated with at least one of a plurality of funding sources of the payer account;
associating the purchase type and associated spending gate definition with the first RFID identifier in the at least one non-transitory, computer readable medium;
receiving a payment request for a purchase using the first RFID identifier;
determining that the second RFID identifier is associated with the first RFID identifier in the at least one non-transitory, computer readable medium and, in response, determining that the payment request includes the purchase type for the first RFID identifier; and
making a payment using the at least one funding source of the payer account according to the spending gate definition associated with the purchase type.

### Claim 14 (depends on 13)

The system of claim 13, wherein the first RFID identifier is associated with a first payee in the at least one non-transitory, computer readable medium and the at least one processing system is configured to execute instructions that are stored on the at least one non-transitory, computer readable medium to perform the steps of:
receiving a plurality of payer information for the first RFID identifier, wherein the plurality of payer information is not related to the payer account;
associating the plurality of payer information with the first RFID identifier in the at least one non-transitory, computer readable medium;
receiving the first RFID identifier; and
sending the plurality of payer information to the first payee.

### Claim 15 (depends on 13)

The system of claim 13, wherein the second RFID identifier is associated with a second payee in the at least one non-transitory, computer readable medium, and wherein the at least one processing system is configured to execute instructions that are stored on the at least one non-transitory, computer readable medium to perform the steps of:
receiving a plurality of payer information for the second RFID identifier, wherein the plurality of payer information is not related to the payer account;
associating the plurality of payer information with the second RFID identifier in the at least one non-transitory, computer readable medium;
receiving the first RFID identifier from the second payee;
determining that the second RFID identifier is associated with the first RFID identifier and the second payee in the at least one non-transitory, computer readable medium; and
sending the plurality of payer information to a payee device that is associated with the second payee.

### Claim 16 (depends on 13)

The system of claim 13, wherein the first RFID identifier is associated with a first payee and the second RFID identifier is associated with a second payee in the at least one non-transitory, computer readable medium, and wherein the second payee is a different payee than the first payee.