(19) United States
`(12) Patent Application Publication (10) Pub. No.: US 2012/0197743 A1
`Grigg et al.
`(43) Pub. Date:
`Aug. 2, 2012
`
`US 20120 1977.43A1
`
`(54) SINGLE ACTION MOBILE TRANSACTION
`DEVICE
`
`(75) Inventors:
`
`David M. Grigg, Rock Hill, SC
`(US); John Franklin Tuders,
`Harrisburg, NC (US); Peter John
`Bertanzetti, Charlotte, NC (US);
`Tony England, Tega Cay, SC (US)
`
`(73) Assignee:
`
`Bank of America Corporation,
`Charlotte, NC (US)
`
`(21) Appl. No.:
`
`13/401,117
`
`(22) Filed:
`
`Feb. 21, 2012
`
`Related U.S. Application Data
`(63) Continuation-in-part of application No. 13/017.835,
`filed on Jan. 31, 2011, Continuation-in-part of appli
`cation No. 13/017,823, filed on Jan. 31, 2011, now Pat.
`No. 8,195,576.
`
`Publication Classification
`
`(51) Int. Cl.
`(2012.01)
`G06O 20/40
`(2012.01)
`G06O 20/20
`(52) U.S. Cl. ............................................. 705/16: 705/44
`(57)
`ABSTRACT
`Embodiments of the invention allow a user to wirelessly
`transmit payment information from a mobile device to a
`point-of-sale terminal by the user performing only a mini
`mum number of inputs, such as a single input. Some embodi
`ments of the invention provide an apparatus comprising an
`input device configured to receive input from a user, a com
`munication device configured to transmit wireless signals to a
`transaction device, a memory comprising predetermined pay
`ment information stored therein and a processor communica
`bly coupled to the input device, the communication device
`and the memory and configured to: receive transaction infor
`mation from the transaction device related to a transaction;
`receive a first input from the user; determine if the first input
`matches a user defined action stored in memory, and use the
`communication device to wirelessly transmit the predeter
`mined payment information and authorize payment if the first
`input matches the user defined action stored in memory.
`
`100 y
`
`103
`
`102
`
`MOBILE
`WALLET
`
`( )
`
`ill
`
`12:00am
`
`N PAYNOW
`
`MESSAGING
`
`CON i2
`
`112
`
`CALL
`
`CON1
`
`BROWSER
`
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`Patent Application Publication
`
`Aug. 2, 2012 Sheet 1 of 7
`
`US 2012/0197743 A1
`
`100 N.
`
`103
`
`did
`
`12:00am
`
`/1N
`10
`2
`
`MOBILE
`WALLET
`
`
`
`6 10
`
`PAY NOW
`
`MESSAGING
`
`CONH2 1Y
`112
`
`CALL
`
`CON if1
`
`BROWSER
`
`104 NJ
`
`111
`
`()
`
`108
`
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`Patent Application Publication
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`Aug. 2, 2012 Sheet 2 of 7
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`Patent Application Publication
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`Aug. 2, 2012 Sheet 3 of 7
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`US 2012/0197743 A1
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`
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`009
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`Patent Application Publication
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`Aug. 2, 2012 Sheet 4 of 7
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`US 2012/0197743 Al
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`Patent Application Publication
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`Aug. 2, 2012 Sheet 5 of 7
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`Patent Application Publication
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`Aug. 2, 2012 Sheet 6 of 7
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`US 2012/0197743 A1
`
`400
`
`
`
`ELECTRONIC WALLET APPLICATION - 402
`
`DISABLE
`
`HOMEACCOUNTS | HELP
`406
`N 404
`- 408
`USER USERH1
`
`INPUT FOR AUTHORIZING A TRANSA ION:
`1.
`(1) HOTKEY: CHECKING ACTIVE
`EDIT
`(2) VOICE ACTIVATION: ACCOUNT PHRASES SAVED EDIT
`
`(3) ACCELEROMETER: CHECKING ACTIVE
`
`EDIT
`
`(4) FACIAL RECOGNITION: NOT SUPPORTED
`14
`(5) PAY NOW ICON: CREDITACTIVE EDIT
`1416
`(6) FINGERPRINT SCAN: NOT SyED EDIT
`
`(7) IRIS SCAN: NOT SUPPORTED
`
`(8) CUSTOMDEVICE FEATURE: NOT SUPPORTED
`
`FIG. 4
`
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`Patent Application Publication
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`Aug. 2, 2012 Sheet 7 of 7
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`US 2012/0197743 A1
`
`
`
`500
`
`DISABLE
`
`MOBILE WALLET APPLICATION
`HOME ACCOUNTS, HELP - 502
`504
`ACTIVE ACCOUNTS:
`506
`(1) CHECKING ACCOUNT ENDING INXXXX| DELETEACCOUNT
`510-BALANCE: $2020.00 (UPDATE-518
`512 -LOWBALANCE LIMIT: $200.00 EDIT-520
`522
`514 - VOICE COMMAND: SAVED EDIT)
`
`ADD ACCOUNT
`
`sh
`
`508
`(2) eREDIT ACCOUNT ENDING INXXXX | DELETEACCOUNT
`BALANCE: $140.00 (UPDATE)
`506 - UPPER CREDIT LIMIT: $10,000 (EDIT)
`526 - ASSOCIATE INPUT (EDIT)
`
`FIG. 5
`
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`US 2012/0 197743 A1
`
`Aug. 2, 2012
`
`SINGLE ACTION MOBILE TRANSACTION
`DEVICE
`
`CROSS REFERENCE TO RELATED
`APPLICATIONS
`
`0001. The present invention is a continuation-in-part of
`U.S. patent applications Ser. No. 13/017.835, entitled,
`“Transaction Authorization System for a Mobile Commerce
`Device, filed on Jan. 31, 2011 and Ser. No. 13/017,823,
`entitled “Mobile Transaction Device Security System.” filed
`on Jan. 31, 2011 both applications having been assigned to the
`assignee of the present application, the contents of which are
`hereby incorporated by reference in their entirety.
`
`BACKGROUND
`
`0002 There is a need for apparatuses and methods that
`provide fast, convenient authorization of payment for finan
`cial transactions. There is also a need to lessen the burden
`associated with carrying credit cards, checks, cash, and other
`payment vehicles.
`
`BRIEF SUMMARY
`
`0003 Embodiments of the present invention address the
`above needs and/or achieve other advantages by providing
`apparatuses (e.g., Systems, computer program products, and/
`or other devices) and methods that allow a user to assign a
`user defined action for wirelessly transmitting payment infor
`mation from a mobile device to a point-of-sale terminal by the
`user performing the user defined action without the need to
`provide any additional authentication or input. For example,
`Some embodiments of the invention allow a user to assign a
`default payment vehicle to a particular key or “pay now icon
`of the mobile device so that activation of the particular key or
`icon, alone, causes the mobile device to wirelessly transmit
`information about the default payment vehicle and authorizes
`payment without the need to go through a separate authenti
`cation procedure before the mobile device transmits the
`default payment information. In some embodiments of the
`invention, if a user uses a minimum action, such as a single
`action option, the mobile device is configured to transmit the
`payment information without needing to first launch an elec
`tronic wallet software application installed on the device or at
`least without needing to fully launch the electronic wallet
`software.
`0004. In particular, according to various embodiments, an
`apparatus is provided that includes an input device configured
`to receive input from a user, a communication device. Such as
`a near field communication device, that is configured to trans
`mit wireless signals to a transaction device, a memory com
`prising predetermined payment information stored therein
`comprising a user defined action for authorizing a wireless
`payment and a processor communicably coupled to the input
`device, the communication device and the memory. In Such
`embodiments, the processor is configured to receive transac
`tion information from the transaction device related to a trans
`action, receive a first input from the user, determine if the first
`input matches the user defined action for authorizing a wire
`less payment and use the communication device to wirelessly
`transmit the predetermined payment information and autho
`rize payment if the first input matches the user defined action
`stored in the memory. In some embodiments, the apparatus is
`
`a mobile device Such as a mobile phone. In some embodi
`ments, the transaction device is a merchant point-of-sale ter
`minal.
`0005. In certain embodiments, the user defined action is
`selected from at least one of a button operatively coupled to
`the processor, a single key of the input device, combination of
`keys on the input device actuated simultaneously, a combi
`nation of keys on the input device actuated in a pattern, the
`actuation of a specific key of the input device after a prede
`termined number of random key strokes, a voice pattern, a
`spoken word, a spoken phrase, language patterns, biometric
`data, a specific movement of the apparatus, a specific change
`in the orientation of the apparatus or a selectable icon pre
`sented on a display of the apparatus.
`0006. In some embodiments, the memory device includes
`an electronic wallet application stored therein, and the pro
`cessor is configured to use the wireless transmitter to wire
`lessly transmit default payment information to the transaction
`device without requiring the launching of the electronic wal
`let if the first input matches the user defined action stored in
`the memory. In certain embodiments, the processor is also
`configured to send a denial notification to the transaction
`system if the first input does not match the user defined action
`saved in the memory.
`0007. In yet further embodiments, the processor is also
`configured to request a user defined username and password,
`store the username and password in the memory request the
`user provide the username and password if the first input
`received from the user does not match the user defined action
`saved in the memory, receive a second input from the user,
`wherein the second input comprises a username and pass
`word, determine if the second input matches the username
`and password saved in the memory and send an allowance
`notification to the transaction device if the second input
`matches the user name and password and a denial notification
`if it does not.
`0008 Consistent with some embodiments, the payment
`information stored in the memory further comprises transac
`tion parameters, wherein the transaction parameters deter
`mine the user defined input required to authorize a transac
`tion. In Such embodiments, the transaction parameters may be
`selected from one or more of the amount of the transaction,
`the merchant, the items being purchased, the user's transac
`tion history, the available funds in the user's accounts, the
`location of the apparatus or the presence of an identified
`individual. In some Such embodiments, the processor is fur
`ther configured to analyze the transaction information from
`the transaction device and correlate the transaction informa
`tion to the transaction parameters.
`0009. According to particular embodiments, a computer
`program product is provided comprising a non-transitory
`computer readable medium with computer-executable code
`stored thereon, the computer-executable code comprising a
`first code portion configured to receive transaction informa
`tion related to a transaction from a transaction device (e.g. a
`merchant point-of-sale terminal), a second code portion con
`figured to receive a first input from the user, a third code
`portion configured to determine if the first input matches a
`user defined action for authorizing a wireless payment stored
`in the memory and a fourth code portion configured to use a
`communication device, such as a near field communication
`device, to wirelessly transmit predetermined payment infor
`mation and authorize payment if the first input matches the
`user defined action stored in the memory.
`
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`US 2012/0 197743 A1
`
`Aug. 2, 2012
`
`0010. In some such embodiments, the user defined action
`is selected from at least one of abutton operatively coupled to
`the processor, a single key of the input device, combination of
`keys on the input device actuated simultaneously, a combi
`nation of keys on the input device actuated in a pattern, the
`actuation of a specific key of the input device after a prede
`termined number of random key strokes, a voice pattern, a
`spoken word, a spoken phrase, language patterns, biometric
`data, a specific movement of a mobile device, a specific
`change in the orientation of the mobile device or a selectable
`icon presented on a display of the apparatus.
`0011. According to some embodiments, the computer pro
`gram product may also include a code portion comprising an
`electronic wallet application that is configured to use the
`communication device to wirelessly transmit the predeter
`mined payment information to the transaction device without
`requiring the launching of the electronic wallet application
`prior to wirelessly transmitting the default payment informa
`tion if the first input matches the user defined action stored in
`the memory.
`0012. In certain embodiments the computer program
`product includes an additional computer-executable code
`portion configured to send a denial notification to the trans
`action device if the first input does not match the user defined
`action saved in the memory. In other embodiments the com
`puter-executable code further comprises a fifth code portion
`configured to request a user defined username and password
`and store the user defined username and password in the
`memory, a sixth code portion configured to request the user
`provide the username and password if the first input received
`form the user does not match the user defined action saved in
`the memory, a seventh code portion configured to receive a
`second input from the user, wherein the second input com
`prises a username and password, an eight code portion con
`figured to determine if the second user input matches the
`username and password saved in the memory a ninth code
`portion stored in the memory and configured to sendan allow
`ance notification to the transaction device if the second input
`matches the username and password saved in the memory and
`a tenth code portion configured to send a denial notification to
`the transaction system if the second input does not match the
`username and password saved in the memory.
`0013 Consistent with some embodiments, the computer
`executable code further comprises a code portion configured
`to receive from the user transaction parameters, wherein the
`transaction parameters determine the user defined action
`required to authorize a transaction, Such transaction param
`eters may include the amount of the transaction, the mer
`chant, the items being purchased, the user's transaction his
`tory, the available funds in the user's financial accounts, the
`location of the purchase or the presence of an identified indi
`vidual. In some such embodiments, the computer-executable
`code further comprises a code portion configured to analyze
`the transaction information and correlate the transaction
`information to the transaction parameters.
`0014 Certain embodiments of the invention also include a
`method for authorizing a mobile transaction device payment,
`wherein the method involves receiving a security protocol
`from a user, the security protocol comprising a permission
`module and authentication modules, wherein the authentica
`tion modules comprise user defined actions for authorizing
`wireless payments. The method further involves determining,
`via a processor, that the user is conducting a transaction,
`comparing the transaction with the permission module, deter
`
`mining, via the processor, the authentication module required
`to authorize the wireless payment based on the comparison of
`the transaction with the permission modules, receiving a first
`input from the user, comparing the first input with the
`required authentication module and communicating predeter
`mined payment instructions and authorizing the transaction if
`the first input is consistent with the required authentication
`module. In some such embodiments the permission modules
`comprise transaction parameters and receiving a security pro
`tocol from a user comprises receiving instructions for
`prompting the permission module and receiving transaction
`parameters from the user. In other embodiments, receiving a
`security protocol from a user comprises receiving instruc
`tions for prompting the authentication modules and receiving
`user defined actions for authorizing wireless payments.
`0015. In some embodiments, determining that the user is
`conducting a transaction comprises receiving a signal from a
`point-of-sale device indicating that the user is attempting to
`conduct a transaction. In certain embodiments, the method
`includes the additional steps of receiving a username and
`password from the user, prompting the user to enter the user
`name and password if the first input is not consistent with the
`required authentication module, receiving a second input
`from the user, comparing the second input to the username
`and password and communicating predetermined payment
`instructions and authorizing the transaction if the second
`input is consistent with the username and password.
`0016. The features, functions, and advantages that have
`been discussed may be achieved independently in various
`embodiments of the present invention or may be combined in
`yet other embodiments, further details of which can be seen
`with reference to the following description and drawings.
`
`BRIEF DESCRIPTION OF THE SEVERAL
`VIEWS OF THE DRAWINGS
`
`0017. Having thus described embodiments of the inven
`tion in general terms, reference will now be made to the
`accompanying drawings, wherein:
`0018 FIG. 1 provides an example of a mobile transaction
`device, in accordance with an embodiment of the present
`invention;
`0019 FIG. 2 provides a block diagram illustrating a
`mobile transaction device, in accordance with an embodi
`ment of the present invention;
`0020 FIG. 3a provides a flow diagram illustrating a pro
`cess for configuring a mobile transaction device, in accor
`dance with embodiments of the present invention;
`0021
`FIG. 3b provides a flow diagram illustrating a pro
`cess for using the mobile transaction device to engage in a
`transaction at a point-of-sale, in accordance with embodi
`ments of the present invention;
`0022 FIG. 3c provides a flow diagram illustrating a pro
`cess for using the mobile transaction device to engage in a
`transaction at a point-of-sale, in accordance with embodi
`ments of the present invention;
`0023 FIG. 4 provides an example of a graphical user
`interface associated with the mobile transaction device, in
`accordance with one embodiment of the present invention;
`and
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`
`0024 FIG. 5 provides an example of a graphical user
`interface associated with the mobile transaction device, in
`accordance with one embodiment of the present invention.
`
`DETAILED DESCRIPTION OF EMBODIMENTS
`OF THE INVENTION
`0025 Embodiments of the present invention now will be
`described more fully hereinafter with reference to the accom
`panying drawings, in which some, but not all, embodiments
`of the invention are shown. Indeed, the invention may be
`embodied in many different forms and should not be con
`strued as limited to the embodiments set forth herein; rather,
`these embodiments are provided so that this disclosure will
`satisfy applicable legal requirements. Like numbers refer to
`like elements throughout.
`0026. Mobile electronic wallets (also sometimes referred
`to herein simply as “mobile wallets’) have been proposed and
`created by the inventors and assignee of the present invention.
`A mobile electronic wallet is a mobile phone or similar device
`that can store information about a plurality of payment
`vehicles (e.g., credit cards, debit cards, gift cards, investment
`accounts, savings accounts, and/or the like) associated with
`the user and wirelessly transmit information about a selected
`payment vehicle to a point-of-sale terminal or other device to
`engage in a financial transaction using the selected payment
`vehicle. Mobile electronic wallets have many advantages in
`that they can allow a user to conveniently carry multiple
`payment vehicles (e.g., electronic credit cards, debit cards,
`gift cards, coupons, and/or the like) in a device that the user
`already carries with them at all times, such as a mobile phone.
`0027. The inventors of the present application have deter
`mined that the mobile wallets that have been proposed in the
`past are often not convenient enough for many potential users
`because these existing mobile wallets require a user to per
`form too many actions at the point-of-sale (POS) before the
`payment vehicle is communicated to the POS terminal. For
`example, before the payment informationistransmitted to the
`POS terminal, the user is often required to: (1) find the elec
`tronic wallet application on the user's mobile phone; (2)
`launch the electronic wallet application; (3) perform one or
`more authentication procedures using the electronic wallet
`application; (4) select the payment vehicle from a plurality of
`payment vehicles stored in the electronic wallet application;
`(5) instruct the electronic wallet to transmit the selected pay
`ment vehicle; and (6) in some cases, confirm that the user
`wants to transmit the selected payment information. Users,
`however, are accustomed to using their physical credit or
`debit cards quickly, by pulling the physical card out of their
`wallet and Swiping it through the magnetic stripe reader of the
`POS terminal. If the mobile electronic wallets are too incon
`Venient for many users or have require too many steps, mobile
`electronic wallets may never catch on and become widely
`adopted.
`0028. Recognizing this problem, the inventors of the
`present invention have developed apparatuses and methods
`wherein a mobile electronic wallet wirelessly transmits a
`particular selected payment vehicle in response to the user
`performing a minimum number of actions such as a single
`action or Supplying only a single input to the mobile device.
`For example, some embodiments of the invention allow a user
`to assign a default payment vehicle to a particular key or "pay
`now' icon of the mobile device so that activation of the
`particular key or icon, alone, causes the mobile device to
`wirelessly transmit information about the default payment
`
`vehicle. In some embodiments of the invention, a user using
`the single action option of the mobile device does not need to
`go through an authentication procedure before the mobile
`device transmits the default payment information. In some
`embodiments of the invention, if a user uses the single action
`option, the mobile device is configured to transmit the pay
`ment information without needing to first fully launch an
`electronic wallet application installed on the device. These
`embodiments of the invention, and others, are described in
`greater detail below with reference to the various figures.
`(0029 FIG. 1 provides an example of a mobile device 100,
`Such as a mobile phone, in accordance with one embodiment
`of the present invention. In some embodiments, the mobile
`device 100 will include a touch screen 103 with a number of
`selectable icons for accessing various functionalities of the
`mobile device 100, including an electronic wallet application
`102, which is a software application installed on the mobile
`device 100 that manages the user's mobile wallet. Specifi
`cally, a user may download the mobile wallet application 102
`from a server to the mobile device 100. Alternatively, the
`mobile device 100 may come with the mobile wallet applica
`tion 102 preloaded on the memory of the mobile device 100.
`The user may then store payment information in a secure
`section of the memory of the mobile device 100. In some
`embodiments, the payment information may be downloaded
`from one or more servers associated with the user's financial
`institutions. In other embodiments, the user may be required
`to manually input the particulars of the various payment
`vehicles. The user can then use the mobile wallet application
`102 to manage and use the payment vehicles stored in the
`mobile device 100.
`0030. For example, a user at a POS terminal wishing to use
`the mobile wallet could enter user input by selecting the
`electronic wallet application 102 which would then cause the
`mobile device 100 to launch a full version of the electronic
`wallet application 102. The electronic wallet application 102
`may then require the user to authenticate herself by prompt
`ing the user to, for example, enter a personal identification
`number (PIN) into the mobile device 100. The electronic
`wallet application 102 then may display to the user several
`payment vehicles that are stored on the mobile device 100 and
`that are available to the user for making a payment at the POS
`terminal. The user could then select one of the payment
`vehicles and then instruct the mobile wallet application to
`wirelessly transmit payment information about the selected
`payment vehicle to the POS terminal. Often, the mobile wal
`let application 102 has numerous other features that may help
`the user select a payment vehicle, such as balance information
`and other account information for each payment vehicle
`stored therein. The electronic wallet application 102 also
`typically presents user-friendly graphical user interfaces
`(GUIs) that illustrate, for example, images of or logos asso
`ciated with each payment vehicle, as well as other helpful
`graphics.
`0031. As an alternative to using the full version of the
`electronic wallet application 102 in the manner just
`described, if the user approaching the POS terminal already
`knows that she wants to use a particular pre-selected default
`payment vehicle and if the user is comfortable not requiring
`pre-authentication prior to the mobile device 100 transmitting
`payment information, then the user can use a single action
`input, such as a “pay now icon 106 displayed on the screen
`103 of the mobile device 100 in order to avoid launching a full
`version of the mobile wallet application 102 and going
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`US 2012/0 197743 A1
`
`Aug. 2, 2012
`
`through multiple steps to use the full version of the mobile
`wallet application 102 to select a payment vehicle and trans
`mit the selected payment vehicle. In response to the user's
`selection of the “pay now icon 106 alone (e.g., a single user
`action), the mobile device 100 automatically, and wirelessly
`transmits payment information associated with a default pay
`ment vehicle. This payment information can then be received
`by a wireless receiver at the POS terminal (or another trans
`action device, such as another mobile device in a person-to
`person transaction). In some embodiments of the invention,
`the transaction authorization system allows the user to select
`a particular payment vehicle from a plurality of the user's
`payment vehicles and identify the selected payment vehicle
`as the default payment vehicle that is to be associated with the
`single action input, Such as the “pay now icon 106. AS is
`understood, the name of the icon has no bearing on the func
`tional capabilities and the “pay now icon may have any
`aC.
`0032. The type of single action input used to cause the
`mobile device 100 to transmit the default payment informa
`tion may be any type of input that the mobile device is capable
`of receiving. In this regard, single action inputs other than a
`quick pay icon described above may be used to initiate the
`“quick pay' option of the mobile device 100. The single
`action input may be tactile, visual, audible, wireless, location
`based or any combination of the foregoing. In some embodi
`ments, the single action input is standardized, such as a dedi
`cated hot key 104 on the mobile device 100 or a “pay now
`icon displayed on the screen 103 of the mobile device 100. In
`other embodiments, the input is personalized for the user,
`such as a user-selected hotkey 104 or other configurable but
`ton, a user-selected combination of buttons that the user must
`enter simultaneously, a user-selected word or phrase spoken
`through the microphone 108, and/or the like. In embodiments
`of the invention where the user can assign the quick pay
`function to a non-obvious single action input, the transaction
`authorization system provides both convenience and security
`because the user can easily authorize the transaction by pro
`viding the single action input, but another person using the
`mobile device 100 may not be able to easily figure out the
`single action input needed to use the quick pay feature of the
`mobile wallet.
`0033. As discussed, an exemplary embodiment of the
`single action input device is a hotkey 104 on the mobile
`device 100. In some embodiments of the invention, the hotkey
`104 is a dedicated button on the mobile device 100. For
`example, a cellphone can be sold with a specialized button on
`the front or side of the phone that, when pressed, causes the
`phone to wirelessly transmit default payment information
`using a wireless protocol capable of being received by a
`transaction device (e.g., a POS terminal, other mobile device,
`automated teller machine, etc.).
`0034. In other embodiments of the invention, the hotkey
`104 is a generic button on the mobile device 100 that can be
`customized by the user and assigned a function. For example,
`the user may indicate that a general purpose button 104 on the
`mobile device 100 functions as a single action input for pur
`poses of wirelessly transmitting payment information. In
`another example, a selectable alphanumeric key pad is pre
`sented on the screen 103 of the mobile device 100 (not shown)
`and the user indicates that a single key or combination of keys
`pressed simultaneously or in sequence is the single action
`input that can be used to quickly transmit default payment
`information without requiring additional authentication. For
`
`example, the user may assign the letter “H” as the key that
`must be pressed to wirelessly transmit default payment infor
`mation or the number “1” on the mobile device 100 keypad
`and the “if” button pressed simultaneously. Alternatively, the
`user may assign different single action inputs as authorizing
`payments from different payment vehicles. Using the
`example above, selecting the “H” key may authorize a pay
`ment from the user's debit account, whereas selecting the
`number “1” and “if” authorizes payment from the user's credit
`card account without further authorization.
`0035. In some embodiments, the user may elect to have
`more than one icon (e.g. 111, 112) presented on the Screen
`103 of the mobile device 100 for quickly authorizing payment
`through a single user action. In some instances, each of a
`plurality of icons may authorize payment from each of a
`plurality of different payment vehicles associated with the
`icons in the memory of the mobile device 100. In some such
`embodiments the icons will be designed in Such a way so that
`the association with the mobile wallet and/or wireless pay
`ment transmission is not clear. For instance, the icons may be
`designed to appear to be associated with launching an unre
`lated application. In other embodiments, multiple icons are
`presented on the screen 103 of the mobile device but only
`Some of the icons are associated with making a wireless
`payment, whereas others might lock-out the mobile wallet
`application preventing payment based on a single action input
`until the user fully launches the mobile wallet application and
`enters a separate authentication. For example, as shown in
`FIG. 1, selection of either the Pay Now icon 106 or icon #1
`111 may wirelessly transmit default payment information
`using a wireless protocol capable of being received by a
`transaction device but selection of icon #2 disables the single
`action input capability of the mobile device 100 until such
`time as the electronic wallet application 102 is launched and
`the user authenticates his or her identity.
`0036. In still other embodiments of the invention, mobile
`device 100 includes a microphone 108 coupled to the mobile
`device 100 and configured to receive verbal input from the
`user. In an exemplary embodiment, the microphone 108 used
`for the mobile transaction device 100 is the same receiver that
`is used to capture the user's voice for use with the cellphone.
`For example, the user may speak into the phone to authorize
`a transaction just as the user would speak into the phone to
`converse with someone on a phone call. In one embodiment,
`the mobile transaction device 100 is configured to authorize
`the transaction if the user says a specific user-defined word or
`phrase. For example, the mobile transaction device may
`receive the input from the microphone, analyze the input to
`determine whether the user is qualified to authorize the trans
`action based on Voice recognition Software,