Patent · US Active

System and method for activating telephone-based payment instrument

US7922077B2 · kind B2 · utility

12Cited by

6References

26Claims

0Family size

Assignee

FIRST DATA CORPORATION · US

Inventors

Wendy Humphrey · Fort Lauderdale, US
Sunil Dewan · Omaha, US
Daniel J. Oswald · Papillion, US

Key dates

Filing date	Jan 12, 2009
Grant date	Apr 12, 2011
Priority date	—
Expiry date	May 14, 2029

Classification

Technology area (CPC G)Physics
CPC primaryG07F19/00
WIPO fieldIT methods for management
WIPO sectorElectrical engineering

Abstract

A payment instrument in the form of a cell phone is loaded with account information and activated as a payment instrument by reading account information from a nearby RFID device, and entering a user PIN or password. In one embodiment, the account information is read from an RFID tag provided to the user, and the password is entered on the phone keypad. In a second embodiment, the account information is read from an RFID device at an ATM or kiosk after the user inserts a card into a card reader at the ATM or kiosk and enters the password at the ATM or kiosk keypad.

Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.