Patent ID: 6676017
Filing Date: 2004-01-13
Classification: G06Q,G07C,G07F,G07G

Abstract:
A system for controlling payment from a personal device comprising:an identification verification system receiving first identification data from a physical identification device and second identification data and generating payment authorization data if the first identification data corresponds to the second identification data, the identification system further comprising: a card reader system reading identification card data, wherein the identification card data is not associated with the one or more payment accounts; a PIN number system generating a PIN number prompt and receiving PIN number data; and a voice recognition system generating a voice recognition prompt and receiving voice data; a payment selection system receiving the payment authorization data and displaying one or more payment accounts for selection by a user, wherein the payment selection system Transmits payment account data to a point-of-sale system, the payment selection system further comprising: a credit processing interface system providing credit card data to a credit card transaction processing system; a debit processing interface system providing debit card to a debit card transaction processing system; and an EFT processing interface system providing EFT data to an electronic funds transfer system; a transaction processing system receiving payment account data after selection of one of the payment accounts; and a point-of-sale system receiving the payment account data from the transaction processing system and providing transaction data to the transaction processing system.