Patent ID: 8640944
Filing Date: 2014-02-04
Classification: G04G,G06K,G06Q,G07B,G07F,G07G,H04L,H04W

Abstract:
1. A mobile device enabled for wireless payment transaction for goods or services, comprising: a cellular wireless interface; a global positioning system (GPS)-based wireless receiver; a processor; at least one commerce transaction-related application computer program configured to run on the processor; a short range radio frequency device disposed in the mobile device and configured to communicate with a radio frequency interrogation apparatus or reader, the short range radio frequency device being disposed within the mobile device at the time of manufacture of the mobile device; wherein the mobile device is encoded with information specific to a user of the mobile device, the information associated with a specific pre-existing financial account, and enabling the user to use the mobile device to pay for the goods or services and obviate the user from having to carry other forms or sources of payment on their person; and wherein the mobile device is further configured to utilize at least one biometric data as part of a payment transaction in order to authenticate the user before the payment transaction can be completed.