Mobile wireless financial instrument for automatically selecting a payment ...

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US007930249B2

(12)

United States Patent

Roberts

(io) Patent No.: (45) Date of Patent:

US 7,930,249 B2 Apr. 19, 2011

(54) MOBILE WIRELESS FINANCIAL

INSTRUMENT FOR AUTOMATICALLY
SELECTING A PAYMENT INSTRUMENT

(75) Inventor: John Richard Roberts, Beaverton, OR (US)

(73) Assignee: QUALCOMM Incorporated, San

Diego, CA (US)

( * ) Notice: Subject to any disclaimer, the term of this patent is extended or adjusted under 35 U.S.C. 154(b) by 464 days.

(21) Appl.No.: 12/042,488

(22) Filed: Mar. 5, 2008

(65) Prior Publication Data

US 2009/0018924 Al Jan. 15, 2009

Related U.S. Application Data

(63) Continuation-in-part of application No. 11/776,016, filed on Jul. 11, 2007, now abandoned.

(51) Int. CI.

G06Q 40/00 (2006.01)
G06Q10/00 (2006.01)

(52) U.S. CI 705/41; 705/64; 705/65

(58) Field of Classification Search 705/64,

705/41, 65

See application file for complete search history. (56) References Cited

U.S. PATENT DOCUMENTS

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2003/0220835 Al 11/2003 Barnes

2004/0044627 Al 3/2004 Russell etal.

2006/0165060 Al 7/2006 Dua

(Continued)

FOREIGN PATENT DOCUMENTS WO 0075885 12/2000

OTHER PUBLICATIONS

International Search Report-PCT/US2008/069711, International Searching Authority-European Patent Office-Oct. 22, 2008.

(Continued)

Primary Examiner — Kirsten S Apple
Assistant Examiner — Scott S Trotter
(74) Attorney, Agent, or Firm — Nicholas A. Cole

The specification and drawing figures describe and illustrate a point-of-sale payment system. The point-of-sale payment system includes a mobile wireless communications instrument having at least one data processor. The data processor is capable of automatically selecting a payment instrument for transmitting a payment sum across a mobile wireless communications network and, if necessary, a credit network. The point-of-sale payment system may also include a data transmission subsystem for receipt, storage, processing, and transmittal of data across the wireless communications network and/or the data transmission subsystem.

31 Claims, 10 Drawing Sheets

U.S. PATENT DOCUMENTS 2007/0057038 Al 3/2007 Gannon

2007/0084913 Al * 4/2007 Weston 235/380

2007/0262134 Al * 11/2007 Humphrey et al 235/379

2007/0278290 Al * 12/2007 Messerges et al 235/380

2008/0040284 Al 2/2008 Hazel etal.

OTHER PUBLICATIONS

Written Opinion-PCT/US2008/069711, International Searching Authority-European Patent Office-Oct. 22, 2008.

International Search Report—PCT/US2009/035055, International Searching Authority-United States Patent and Trademark Office— Jun. 4, 2009.

Written Opinion—PCT/US2009/035055, International Searching Authority—United States Patent and Trademark Office—Jun. 4, 2009.

International Search Report for PCT/US2008/069711. International Searching Authority: European Patent Office, dated Oct. 22, 2008. Written Opinion for PCT/US2008/069711. International Searching Authority: European Patent Office, dated Oct. 22, 2008.

* cited by examiner