US 9,178,991 B2Granted

Realtime, interactive and geographically defined computerized personal identification and payment matching systems and methods

OwnerMichael Edward Finnegan, Jeffrey C. Konicek +1inventors

InventorsMichael Edward Finnegan, Jeffrey C. Konicek, Steven G. Lisa

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Abstract

In general, the invention relates to a system and method of operating a shopping system to facilitate payment using a mobile device. A network is configured to include a server programmed with a personal characteristic database, a database searching algorithm, and to be coupled to a wireless communication system that is capable of communicating with the user's personal data device. The user logs on through the wireless communication system to the secure network using her personal data device, and communicates to and stores in the database personal data defining her characteristics. Either the secure network automatically identifies the first users precise geographic location, or the user himself otherwise indicates and stores in the database of the network an identifying address that indicates his current specific geographic location. Personal data defining the user's characteristics are then sent to a business location at the user's location to facilitate a payment transaction.

Claims19

Dependent claims

A method used by a matching system, the matching system including a server having a network interface, to facilitate a sale transaction to purchase a physical item between a user who has a wireless device and a physical business establishment, comprising:

a. obtaining from the user through the network interface, via communication session with the user's wireless device, a name of the user and an identifying photo of the user including at least a portion of the user's face, and storing in the server the me of the user and the identifying photo;
b. receiving, from the user's wireless device via the network interface of the server, the approximate physical location of the wireless device obtained using a geographic location sensor of the wireless device and determining that the wireless device is located geographically near the physical business establishment;
c. receiving, from the user's wireless device via the network interface of the server, authorization to send the identifying photo and the name of the user to a third party at the physical business establishment;
d. after receiving authorization from the user and determining that the wireless device is located geographically near the physical business establishment;
i. transmitting, via the network interface, the identifying photo and name of the user to a device used by the third party at the physical business establishment;
and
ii. causing the display of the transmitted identifying photo and name of the user to the third parry can the device used by the third party at the physical business establishment;
and,
e. following step d, receiving through the network interface a request to cause a payment account associated with the user to be debited to complete a sale of a physical item at the physical business establishment.

6 more elements

Dependencies are inferred from the claim text.

Facts

Application: 13/633,277Filed 2 Oct 2012 · continuation
Priority: 3 Aug 2005
Published: US 2013/0066731 A114 Mar 2013
Granted: 3 Nov 2015
Term ends: Not estimatedThe source records don’t support an estimate.

Classification31 codes

G06F 16/29
Of structured data, e.g. relational data: geographical information databases
G06F 16/9535
Querying, e.g. by the use of web search engines: search customisation based on user profiles and personalisation
G06F 16/9537
Querying, e.g. by the use of web search engines: spatial or temporal dependent retrieval, e.g. spatiotemporal queries
G06Q 20/325
Using wireless devices: using wireless networks

Family

Application11/196,951Parent of this continuation · filed 3 Aug 2005
US 8,295,851 B2Parent of this continuation · filed 23 Oct 2012
US 2013/0066731 A1Pre-grant publication · published 14 Mar 2013
US 2007/0032240 A1Published application
US 9,178,991 B2This patent

From the US filing history. Foreign family members aren’t listed.