Abstract:
A method and apparatus for providing payment information stored upon an electronic personal device during a transaction is disclosed. A plurality of brand identifiers having payment information associated therewith are stored within a memory of the electronic personal device. A user interface enables a user to provide input to control logic which is responsive to the user inputs for defining a priority order for displaying the brand identifiers. A display enables the brand identifiers to be displayed according to the established priority order.

Description:
BACKGROUND OF THE INVENTION 
     1. Technical Field of the Invention 
     The present invention relates to establishing transactional priorities within an electronic personal device, such as a mobile telephone or personal data assistant, and more particularly, to enabling a user to pre-establish service brand identifier priorities. 
     2. Description of Related Art 
     Electronic personal devices such as mobile telephones, personal data assistants, laptop computers, etc. enable users to establish a service account with one network operator or service provider. When electronic personal devices are utilized within e-commerce or regular commerce transactions, the user must establish business relationships with more than a single service provider. For example, purchases for clothing may be made from any number of clothing retailers and automobile repair services may be provided by any number of different repair service providers. 
     In utilizing an electronic personal device to carry out e-commerce or regular commerce transactions with more than one transaction service provider, the number of transaction service providers contained in the electronic personal device can become difficult to manage. For example, a user might have an electronic personal device storing transaction information for a number of credit card companies (Visa, American Express, Diner&#39;s Club, Mastercard) and a number of store provided credit services (Sears, Macy&#39;s, Home Depot, Best Buy, etc.). If a large number of these transaction service providers are stored on the electronic personal device, it can become time consuming for the user to scroll through all of the transaction service providers each time a purchase is made. A great benefit would be provided to the user if the electronic personal device could at all times clearly and unambiguously show to a user which service provider or providers should be used at any particular time. 
     SUMMARY OF THE INVENTION 
     The present invention overcomes the foregoing and other problems with a method and apparatus for providing the payment information stored within an electronic personal device during a transaction. A memory stores a plurality of brand identifiers for a number of transaction service providers each of which has payment information associated therewith. Control logic responsive to inputs provided via a user interface enable the user to establish a priority order for the brand identifiers stored within the memory. 
     The control logic may establish the priority order for the brand identifiers according to a specified brand identifier which is always to be listed first, according to a brand identifier providing a best commercial condition in a particular situation and according to predefined sets of rules based on the transaction situation. The control logic may further be used to redefine the established brand identifier priority order in response to new input via the user interface. 
     The brand identifiers are established on a display via the established priority order in response to activation of the electronic personal device. Alternatively, the electronic personal device may include a communication interface enabling the device to determine a particular service provider involved with a transaction. The control logic displays a brand identifier associated with this service provider that has been identified by the user. 
    
    
     BRIEF DESCRIPTION OF THE DRAWINGS 
     A more complete understanding of the method and apparatus of the present invention may be obtained by reference to the following Detailed Description when taken in conjunction with the accompanying Drawings wherein: 
     FIG. 1 is a functional block diagram of an electronic personal device including brand preference functionality logic according to the present invention; 
     FIGS. 2 a  and  2   b  illustrate the manner in which a number of stored transaction service providers may be presented for display according to the present invention; and 
     FIG. 3 is a functional block diagram illustrating the operation of the brand preference function logic illustrated in FIG. 1; AND 
     FIG. 4 is an alternative embodiment wherein the electronic personal device and service provider negotiate a brand identifier for use with a transaction. 
    
    
     DETAILED DESCRIPTION 
     Referring now to the drawings, and more particular to FIG. 1, there is illustrated a functional block diagram of an electronic personal device  10  having a communication link with a service provider  20 . The electronic personal device  10  may consist of a mobile telephone, personal data assistant, laptop computer or any other personal electronic data device capable of storing information relating to various transaction service providers and providing a communication link with a service provider  20 . 
     The communications interface  25  enables the communication link  15  to be established with the service provider  20 . The communication interface  25  may comprise a hardwire interface between the electronic personal device  10  and service provider  20  or alternatively, may enable a wireless communications interface  15  between the personal device  10  and service provider  20 . In the case of a wireless communications, various systems such as RF communications, IR communications or short rate communications systems, such as Bluetooth, may be utilized to provide the communications link  15 . 
     Electronic personal devices  10 , such as a mobile telephone, enable relationships to be established between the electronic personal device  10  and a network operator via a subscriber identity module (SIM) card which stores network provider identity and various service related information. An electronic personal device  10 , such as a mobile telephone, may utilized additional SIM cards or chip cards to include additional provider identities and service information for other types or providers such as transaction service providers enabling purchases using the electronic personal device  10  with service providers  20 . The additional provider identity and service related information alternatively may be stored in a memory or hardware within the electronic personal device  10 . 
     The transaction service provider information list  35  stored in the SIM card  30  or other memory may be organized responsive to the brand preference functionality logic  40 . The information includes a list of brand identifiers having payment information associated therewith. The brand preference functionality logic  40  enables a user to establish a predetermined preference priority order for the transaction service provider list  35  stored within the electronic personal device  10 . 
     The brand preference functionality logic  40  is programmable by the user, and preferences established by the logic  40  may be changed at the user&#39;s discretion by entering new information through the user interface  45 . The brand preference functionality logic  40  enables the user to specify the order of preference of various brand identifiers, specify that particular brand identifiers will always appear at the top of a brand identifier listing on the display  50 , specify that a particular brand identifier will always be used in a particular case, specify that the brand identifier providing the best commercial conditions should be displayed in a given circumstance, and specifying that particular brand identifiers are displayed for particular predefined situations. 
     The brand preference functionality logic  40  is responsive to user inputs received via the user interface  45  and controls the manner in which the transaction service provider list  35  is presented in a display  50  of the electronic personal device  10 . The brand preference functionality logic  40  is responsive to incoming signals received from a service provider  20  via the communications interface  25 . In this situation, the service provider transmits an identification signal which would be received by the electronic personal communications device  10  via the communications interface  25 . The brand preference functionality logic  40  would identify the service provider from the identification signal and provide the transaction service provider most appropriate from the transaction service provider list  35  to the display  50 . In this way, the user would not have to manually search through their list  35  of transaction service providers but would automatically be provided with the proper transaction service provider or providers depending upon where the user of the electronic personal device  10  was presently transacting business. 
     Referring now to FIGS. 2 a  and  2   b , there are provided graphical illustrations of the process performed by the brand preference functionality logic  40 . The transaction service provider list  35  includes a number of providers and information relating thereto for a number of credit card providers, bank companies, etc. The list  35  in FIG. 2 comprises a memory storage location including information on a Visa charge card, an American Express charge card, a Sears charge card, a Diner&#39;s Club charge card and a Macy&#39;s charge card. This list  35  is merely intended to be exemplary and any number of transactions service providers may be included. 
     The display  50  in FIG. 2 a  illustrates a manner in which the transaction service providers would be listed if a user was presently located within a Sears retail establishment. The Sears retail establishment would provide some type of identification signal that would be received by the communications interface  25  of the electronic personal device  10 . The brand preference functionality logic  40  would recognize that the identifier most relevant to this service provider would be the Sears brand identifier  60   a . Thus, this brand identifier would be displayed first on the display  50  or alternatively could be the only brand identifier displayed on display  50 . The remainder of the brand identifiers  60  would remain in their user established priority order. 
     Referring now to FIG. 2 b , there is illustrated a situation wherein the brand identifiers  60  are merely presented in a user defined priority order. In this case, the list  35  again contains a number of brand identifiers  60  that have been prestored by the user. Upon activation of the electronic personal device, the brand identifiers  60  are displayed in the order that has been predefined by a user through the user interface  45 . In this case, the user has established that the Visa brand identifier  60   b  is the most important brand identifier  60 . The other brand identifiers are listed in their order of priority as indicated by a user. It should be understood that the number of brand identifiers  60  listed upon a display is completely at the control and discretion of the user. In any particular situation, the user may have multiple or single identifiers listed upon the display. 
     Referring now to FIG. 3, there is illustrated a flow diagram describing the operation of the brand preference functionality logic  40  of FIG.  1 . Initially, a user specifies at step  70  the brand identifier preferences through the user interface  45 . These brand identifier preferences are stored within the brand preference functionality logic  40 . The user specified brand identifier preferences establish the number and order of presentation of the brand identifiers  60  upon activation of the electronic personal device  10 . Once the electronic personal device  10  is activated at step  75 , inquiry step  80  determines whether the electronic personal device  10  is in close proximity to a particular service provider by monitoring for any received service provider identifier on the communications interface  45 . If no particular service provider identifier is detected, the brand preference functionality logic  40  causes a user specified brand identifier or brand identifiers to be displayed on the display  50 . However, if a particular service provider identifier is detected as being in close proximity, the brand preference functionality logic  40  displays the brand identifier associated with the transaction service provider associated with the detected service provider. The transactions may then proceed utilizing the identified transaction service providers. 
     Referring now to FIG. 4, there is illustrated an alternative embodiment of the present invention wherein both the electronic personal device  10  and the service provider  20  include brand preference functionality logic components,  40  and  95 , respectively, and transaction service provider lists,  35  and  100 , respectively. In this embodiment, the brand preference functionality logic  40 ,  95  within the electronic personal device  10  and service provider  20  each present a separate listing of specified brand identifiers with which the electronic personal device and the service provider would prefer to carry out the transaction. The lists of specified brand identifiers provided by the electronic personal device  10  and the service provider  20  are each processed using the brand preference functionality logics  40 ,  95  in order to negotiate a brand identifier for use with the transaction. 
     This negotiation process may take any form and may include, but is not limited to a process which searches through each of the lists provided by brand preference functionality logics  40  and  95 , and the brand identifier having the best overall selection value between the two lists is selected. For example, the first through fifth brand identifiers may be provided a value of 1-5 respectively in each list. The value for the first brand identifier on a list would equal 1, the second brand identifier on a list would equal 2 and so forth. The values for each of the identifiers in both lists are added together. Thus, for example, if the Visa brand identifier was listed first in the electronic personal device&#39;s list and third in the service provider&#39;s list, the brand identifier for Visa would have the total score of four. The brand identifier having the lowest score is selected as the one for use with the transaction. This is, of course, merely one example of a negotiation process that may be carried out by the brand preference functionality logics  40 ,  95  and many other algorithms or routines may be utilized. 
     It should also be realized that the negotiation process could be carried out completely within the electronic personal device  10 , within the service provider  20  or may involve a combined processing technique utilizing both units. The criteria involved in the negotiation process may also include the alternatives available in each of the lists, the size of the transaction involved, the transaction fees associated with the transaction, the available credit line associated with each of the brand identifiers, and the personal preferences of the electronic personal device  10  and the service provider  20 . Seller preferences which offer a discount to the buyer may also affect the negotiations. The selected brand identifier may then be provided to the user via a display  110  in order for the user to approve or disapprove of the negotiated brand identifier. 
     The previous description is of a preferred embodiment for implementing the invention, and the scope of the invention should not necessarily be limited by this description. The scope of the present invention is instead defined by the following claims.