Patent ID: 8622286

Claim:
A mobile user device enabled for wireless payment, comprising: a power source; a cellular wireless interface; a global positioning system (GPS)-based wireless receiver; and a short range radio frequency device disposed in the mobile user device and powered at least in part by the power source; wherein the mobile user device is configured to be encoded with payment source information specific to a pre-existing payment account of a user of the device, the payment source information allowing the user to use the mobile user device to wirelessly pay for at least one of goods or services by placing the mobile user device in proximity to a reader apparatus at a point of sale of said goods or services; wherein the short range radio frequency device and payment source information obviates the user from having to carry at least one other currency or payment source on their person; wherein the short range radio frequency device comprises an active radio frequency identification device configured to generate a transmission including at least a portion of the payment source information; and wherein the short range radio frequency device is disposed in the mobile user device at time of manufacture of the mobile user device, and comprises an integrated circuit with data memory and an antenna.