Wireless financial transaction systems and methods
AssigneeDiebold Self-Service Systems, divison of Diebold, Incorporated
InventorsNatarajan Ramachandran, Ashok Modi, Jeff Hill, Ray Motz, Klaus A. Steinbach
Life of this patent
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Abstract
A system operates to carry out financial transfers in response to data read from data bearing records. A cell phone having a camera stores in memory indicia corresponding to account data from a plurality of magnetic stripe cards. A user can operate the phone to select one of the accounts stored in the memory. The memory further includes a scanned user-identifying written signature. The user can use the phone during an item purchase to wirelessly transmit each of an item's identifier captured by the camera, selected account data, and the user signature.
Claims20
A method comprising:
- (a) operating at least one customer data receiving device during a financial transaction requiring customer account information, to wirelessly receive customer-identifying electronic signature data provided by a customer through a portable wireless communication device during the financial transaction,
- wherein the at least one customer data receiving device is capable of wirelessly receiving only customer-identifying data that is wirelessly communicated from the at least one customer data receiving device;
- (b) operating the at least one customer data receiving device during the financial transaction to wirelessly receive customer account information provided by the customer through the portable wireless communication device during the financial transaction, wherein the at least one customer data receiving device is capable of wirelessly receiving only customer account information that is wirelessly communicated;
- and
- (c) operating the at least one customer data receiving device to cause the customer-identifying data received in (a) and the customer account information received in (b) to be used in the financial transaction.
A method comprising:
- (a) operating at least one customer data receiving device during a financial transaction requiring customer account information, to wirelessly receive customer-identifying data provided by a customer through a portable wireless communication device,
- wherein the at least one customer data receiving device is capable of wirelessly receiving customer-identifying data that is wirelessly communicated from the at least one customer data receiving device;
- (b) operating the at least one customer data receiving device during the financial transaction to receive customer account information from the customer;
- and
- (c) operating the at least one customer data receiving device to cause the customer-identifying data received in (a) and the customer account information received in (b) to be used in the financial transaction.
A method comprising:
- (a) operating at least one customer data receiving device during a financial transaction requiring customer signature and customer account information, to wirelessly receive customer account information provided by a customer through a portable wireless communication device,
- wherein the at least one customer data receiving device is capable of wirelessly receiving customer account information that is wirelessly communicated from the at least one customer data receiving device;
- (b) operating the at least one customer data receiving device during the financial transaction to receive customer-identifying data wirelessly communicated during the financial transaction from the portable wireless communication device;
- and (c) operating the at least one customer data receiving device to cause the customer account information received in (a) and the customer-identifying
- data received in (b) to be used in the financial transaction.
Dependencies are inferred from the claim text.