(12) Unlted States Patent
`(10) Patent N0.:
`US 8,170,527 B2
`
`Granucei et al.
`(45) Date of Patent:
`May 1, 2012
`
`USOO8170527B2
`
`(54) REAL-TIME BALANCE ON A MOBILE
`PHONE
`
`(75)
`
`Inventors: Nicole Janine Granlrcci, San Francisco,
`CA (US); Came Elaine Vrlheasa San
`Francisco, CA (US); Ayman A.
`Hammad Pleasanton CA (US)
`’
`’
`V
`.
`4
`V
`,
`~
`.
`(73) A551gnee: Vlsa U.S.A. lnc., San Pra11c1sco, CA
`(US)
`
`( * ) Notice:
`
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 702 days.
`
`(2]) App]. No.: 11/904,409
`
`(22)
`
`Filed:
`
`Sep. 26, 2007
`
`(65)
`
`Prior Publication Data
`US 2009/0081990 A1
`NIar. 26, 2009
`
`(56)
`
`(51)
`
`Int. Cl.
`(2006.01 )
`HIMM 1 mm
`(52) us. Cl.
`........ 455/406; 455/407, 455/408; 455/466;
`705/37; 705/38; 705/30; 705/39, 705/40
`(58) Field of Classification Search .......... 455/4054407.
`455/410, 411, 705/30. 37, 40, 5,7, 39
`See application file for complete search history.
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`http://Www.bonusdata.net/
`“GSMVend
`lntusJunior/GSMVend/gsmvendhtin, 14 pages.
`.
`(Connnued)
`G 1.
`J
`.
`. E
`P .
`.
`.
`”WW “mm” * ea“ ,3 “1
`(74) Allow“ Age“ 0r F’rmiKflPaka Townsend 8‘
`51°01‘10”
`ABSTRACT
`(57)
`A system, method and prepaid payment mobile phone con—
`figured to display a current prepaid balance. The prepaid
`payment mobile phone receives a debit balance request from
`input on the mobile phone. After retrieving an encoded cur-
`rent balance, the mobile phone displays the amount. The
`current balance may be calculated by the phone after a trans-
`action, or the phone may receive a debit balance via a short
`message service notification.
`
`21 Claims, 8 Drawing Sheets
`
`4034
`
`1000
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`[TE
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`
`VISA
`Prepaid Balance:
`
`
`
`
`
`
`
`ions:
`
`1005:
`
`Google LLC v. RFCyber Corp. / Page 1 of 16
`
`GOOG-1012
`
`k Pay
`
`
`
`
`4002
`
`10053
`
`
`
`
`GOOG-1012
`Google LLC v. RFCyber Corp. / Page 1 of 16
`
`PGR2022-00003
`Apple EX1012 Page 1
`
`

`

`US 8,170,527 B2
`Page2
`
`U.S. PATENT DOCUMENTS
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`.
`.
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`,
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`5,2000 G 1d
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`532000 P0751111“
`32000 RE“
`1
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`/2001 Shaffcrctal.
`,
`.
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`,
`1
`~
`72001 Deatonetal.
`,
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`11928 i
`1131;113:3281
`‘
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`,
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`5581457 A
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`5.644.723 A
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`5659165 A
`5,659,469 A
`5 675 662 A
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`5,687,"? A
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`5,710,886 A
`5717 866 A
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`5,761,648 A
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`517931972 A
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`5822735 A
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`5870030 A
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`5 905 246 A
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`5,974,399 A
`2133:1331? A
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`6,009,415 A
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`1
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`6076101 A
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`6,247,129 31
`6,267,292 11
`6279112 31
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`6,292,786 31
`6.307.958 31
`211211523151, ii
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`21831213 :1
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`6,336,098 31
`6336 099 31
`6’341’724 32
`6:351:735 31
`6,377,935 3,1
`6,378,775 32
`6,381,324 31
`6,424,949 31
`6,424,951 31
`
`
`
`
`
`6,434,534 B1
`6,470,181 B1
`6,484,146 B2
`6.488.203 B1
`6,505,046 B1
`6,516,302 Bl
`6,529,725 B1
`6.535.855 B1
`,
`6,560,581 B1
`6,584,309 B1
`6,587,835 B1
`6,601,759 B2
`6,609,104 Bl
`6,611,811 B1
`
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`6,664,948 B2
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`6,775,539 B2
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`2, 2
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`6.837.425 B2
`6,868,391 Bl
`6,877,665 132
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`7,051,923 B2
`7,055,031 132
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`7.121.456 B2
`7,124,937 B2
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`7,201,313 B1
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`7,356,516 B2
`7,357,310 B2
`12
`11223122; :3
`11
`1
`/,464,867 B1
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`,
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`
`”/2003 310mm
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`,
`11/2003 Hendreyeta].
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`-
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`ungeta'
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`t
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`.
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`
`'
`
`£238: 213‘
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`12/2008 Kolls
`.................. 455/406
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`10/2002 VVarmack
`
`~
`
`~
`
` Google LLC v. RFCyber Corp. / Page 2 of 16
`
`GOOG-1012
`
`GOOG-1012
`Google LLC v. RFCyber Corp. / Page 2 of 16
`
`PGR2022-00003
`Apple EX1012 Page 2
`
`

`

`US 8,170,527 B2
`
`Page 3
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`20 5/ 102233 A1
`2005/0102234 A1
`2005/0121506 A1
`2005/0149455 A1
`20 5/ 177510 A1
`
`2005/0199314 A1
`2005/0210387 A1
`2005/0219061 A1
`20 5/ 322933 A1
`2005/0283416 A1
`2005/0283430 A1
`2005/0283431 A1
`20 5/ 283432 A1
`2006/0053056 A1
`2006/0059110 A1
`20 6/ 080243 A1
`20 6/ 085260 Al
`2006/0111967 A1
`2006/0155644 A1
`2006/0163345 A1
`20 6/ 1789 57 A1
`2006/0179007 A1
`20 )6/ )202025 Al
`2006/02063 76 A1
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`2006/0224449 A1
`2006/0247981 A1
`2006/0248007 A1
`2006/0253390 A1
`2006/0270421 A1
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`Page 4
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`CellfireiMobile coupons for your cell phone, 1 page product bro-
`chure downloaded from http://www.cellfire com on May 11, 2007, 1
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`Cellfire, Coupons 011 Cellfire, 2 pages downloaded from http://VVVVVV
`cellfirecom’coupons on May 10, 2007, 2 pages.
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`US. Patent
`
`May 1, 2012
`
`Sheet 1 0f8
`
`US 8,170,527 B2
`
`1000
`
`Yall E
`
`VISA
`
`Prepaid Balance:
`
`1006a
`
`FIG. 1A
`
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`US. Patent
`
`May 1, 2012
`
`Sheet 2 0f8
`
`US 8,170,527 B2
`
`1000
`
`1 004
`
`
`
` VISA
`
`Ynll E
`
`Prepaid Balance:
`
`1002
`
`
`
`1006
`
`1010
`
`1012
`
`1018
`
`1016
`
`1022
`
`RF
`
`Power Supply
`
`Transceiver 1024
`
`
`1014
`
`1020
`
`
`
`FIG. 18
`
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`6006-1012
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`US. Patent
`
`May 1, 2012
`
`Sheet 3 0f8
`
`US 8,170,527 B2
`
`2000
`[9
`
`Consumer
`
`Prepaid
`Payment
`Phone
`
`Merchant
`
`I I I II lI I I
`
`:II I I l I I | I
`
`Issuer
`
`Acquirer
`(e.g. commercial
`bank)
`
`Payment
`Processor
`
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`US. Patent
`
`May 1, 2012
`
`Sheet 4 0f8
`
`US 8,170,527 B2
`
`
` Prepaid
`
`Payment
`
`
`Phone
`
`
`
`3000
`If}
`
`
`Merchant's
`
`Card Point—of—Sale
`Private
`ReadNVriter
`Network
`
`Merchant (2200)
`
`
`
`Merchant
`Central
`Computer
`
`
`
`
`
`Hot List Storage
`
`2240
`
`
`
`Processor
`
`Ac uirer
`q
`
`Payment
`
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`US. Patent
`
`May 1, 2012
`
`Sheet 5 0f8
`
`US 8,170,527 B2
`
`4000
`
`Provide prepaid
`phone transaction
`data
`
`balance
`
`Subtract
`transaction
`amount from
`balance of
`ure aid hone
`
`Store remaining
`
`FIG. 4
`
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`US. Patent
`
`May 1, 2012
`
`Sheet 6 0f8
`
`US 8,170,527 B2
`
`5000
`L“)
`
`Read transaction
`data from
`prepaid phone
`
`
`
`
`Valid
`
`
`Transaction
`?
`Report Error
`
`
`
`
`
`Perform
`
`Transaction
`
`Send phone
`SMS message
`with remaining
`balance
`
`
`
`FIG. 5
`
`
`
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`US. Patent
`
`May 1, 2012
`
`Sheet 7 0f8
`
`US 8,170,527 B2
`
`6000
`11>
`
`Provide prepaid
`phone transaction
`data
`
`balance
`
`Receive
`remaining
`balance of
`prepaid phone
`
`Store remaining
`
`FIG. 6
`
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`US. Patent
`
`May 1, 2012
`
`Sheet 8 0f 8
`
`US 8,170,527 B2
`
`7000
`[:9
`
`
`
`
`Prompt for
`PIN number
`
`
`
`
`
`
`Valid
`
`PIN number
`
`
`
`Report Error
`
`‘?
`
`Display remaining
`prepaid balance
`
`
`
`FIG. 7
`
`
`
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`US 8,170,527 B2
`
`1
`REAL-TIME BALANCE ON A MOBILE
`PHONE
`
`BACKGROUND
`
`2
`encoded Within, the mobile phone displays the current bal—
`ance. The balance may be calculated after a payment trans—
`action or received as a message from an acquirer, payment
`network, or issuer.
`
`
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`FIGS. 1A—B illustrate an embodiment ofa prepaid payment
`mobile phone configured to display the current balance.
`FIG. 2 is a block diagram of a system embodiment to
`support the display of a current debit balance on a prepaid
`payment mobile phone.
`FIG. 3 is an expanded view of a merchant’s system
`embodiment to support the display of the current debit bal-
`ance on a prepaid payment mobile phone.
`FIG. 4 is a flow chart of a mobile phone process embodi—
`ment configured to calculate and store balance infomiation
`after a payment transaction.
`FIG. 5 illustrates a process embodiment sends a prepaid
`payment mobile phone balance information after a payment
`transaction.
`FIG. 6 is a flow chart of a mobile phone-writer process
`embodiment that stores balance information.
`FIG. 7 illustrates a process embodiment to display the
`current debit balance of a prepaid payment mobile phone.
`
`DETAILED DESCRIPTION
`
`One aspect ofthe present invention includes the realization
`that displaying a real-time balance on a prepaid payment
`mobile phone reduces the cost of issuers supporting balance
`inquiry and balance returns from mobile phone customers.
`With the balance on a mobile phone display solution, mobile
`phone customers would be able to check their balance at any
`time. generating a higher volume of unplanned purchases,
`and potentially a higher amount of re—loads at the point of
`sale.
`Embodiments of the present invention include a mobile
`phone apparatus, system, method, and computer-readable
`medium configured to support the real-time display of a debit
`balance on a prepaid payment mobile phone. Other embodi-
`ments of the present invention may include remote terminals
`configured to support the real-time display of a debit balance
`on a prepaid payment mobile phone.
`Turning to FIGS. lA—B, these figures depict a prepayment
`mobile phone 1000 configured to display of a balance on a
`real—time balance, constructed and operative in accordance
`with an embodiment ofthe present invention. In this example,
`prepayment mobile phone 1000 is depicted as a two-piece
`“flip” phone, but it is understood that the principles herein
`may be applied to any style mobile phone capable of elec-
`tronic payment.
`As shown in FIG. 1A, the payment mobile phone 1000
`includes a housing 1002, a display 1004, and aninput 1006. It
`is understood that housing 1002 may comprise one or more
`components. Some embodiments of housing 1002 may be
`plastic or any other suitable material known in the art.
`Display 1004 may be a liquid crystal display (LCD), light—
`emitting—diode (LED), organic light—emitting—diode (OLED),
`surface-conduction electron-emitter display (SED), digital
`light processing GDLP), interferometric modulator display
`(IMOD) or any other display known in the art that can be used
`within the form factor required by the payment mobile phone
`1000.
`Input 1 006 may be any sensor or input device known in the
`art, including, but not limited to buttons 1006a, trackballs
`
`1. Field of the Invention
`Aspects of the present invention relate in general to finan-
`cial services. Aspects include a prepaid payment mobile
`phone apparatus, system, method and computer-readable
`medium configured to display a real-time prepaid payment
`balance. Further aspects of the invention include a method of
`storing and displaying a real-time prepaid payment balance
`on a mobile phone.
`2. Description of the RelatedArt
`The traditional paper “gift—certificate” is gradually being
`replaced by prepaid payment mobile phones
`debit—account
`mobile phones with a set limited value associated with a
`Primary Account Number (PAN). Some mobile phone debit
`accounts are affiliated with a particular vendor, such as a
`department store, supermarket or restaurant; yet other mobile
`phone debit accounts are afiiliated with an acquirer, payment
`processor, or other issuer.
`When a mobile phone customer makes a purchase, the
`prepaid payment mobile phone may be used to pay for the
`transaction. If the purchase amount equals or exceeds the '
`value of the prepaid payment mobile phone, the customer
`simply pays the excess amount using cash, credit card. debit
`card, or other financial instrument accepted by the vendor.
`However, when the purchase amount is less than the value of
`the prepaid payment mobile phone account. the purchase
`price is simply subtracted from the prepaid payment mobile
`phone account balance, and a new balance remains associated
`with the mobile phone.
`Mobile phone customers who carry prepaid payment
`mobile phones are often unaware of the debit balance of a
`prepaid payment mobile phone, especially on non-reloadable
`mobile phone products. While some issuer and acquirers
`mandate support for balance inquiries for some gift mobile
`phones and incentive mobile phones, such support is optional
`at merchants.
`When issuers fail to support these enhancements, or when
`merchants do not support them, mobile phone customers are
`restricted to spending the amount that is available on the
`mobile phone within one transaction often without knowing
`the balance in advance.
`When issuers, acquirers, and processors do not support
`these enhancements at the point-of-sale, the consumer is
`inconvenienced, and the process breaks down. Consumer
`frustration is common, resulting in higher amounts of break-
`age (resulting in unrecognized sales volume), and alternate
`forms ofpayment being used. Worse. consumers are discour—
`aged from purchasing more prepaid payment mobile phones.
`In the re—loadable prepaid mobile phone category. the only
`way a consumer can determine their balance on a mobile
`phone is by calling their mobile phone iss uer/third party agent
`or looking up the information online.
`
`10
`
`15
`
`30
`
`35
`
`4O
`
`45
`
`50
`
`55
`
`SUMMARY
`
` Embodiments of the invention include a system, method
`and prepaid payment mobile phone configured to display a
`current debit balance. A remarkable aspect of the invention is
`that a prepaid balance retrieved from an issuer and stored at
`the prepaid payment mobile phone, as generally no such
`information is ever stored on such phones. The prepaid pay-
`ment mobile phone receives a balance request from a button
`on the mobile phone. After retrieving the current balance
`
`60
`
`65
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`10
`
`15
`
`30
`
`35
`
`4O
`
`3
`100617, scroll—wheels 1006c, touch—pads or the like. In some
`embodiments, input 1006 and display 1004 may be merged as
`a touch- screen input device.
`Internal components of payment mobile phone 1000 are
`shown in FIG. 1B. Contained within housing 1002, a proces-
`sor or central processing unit 1008 is electrically coupled to
`the display 1004, input 1006, Read-Only-Memory (ROM)
`1010, Random Access Memory (RAM) 1012, a non-volatile
`programmable memory 1014, input/output circuitry 1016, an
`input/output port 1018, power supply 1020, cellular trans—
`ceiver 1022, and radio—frequency transceiver 1024. It
`is
`understood by those familiar with the art that some or all of
`these elements may be embedded together in some combina—
`tion as an integrated circuit (IC).
`Processor 1008 may be any central processing unit, micro-
`processor, micro-controller, computational device or circuit
`known in the art.
`Read only memory 1010 is embedded with an operating
`system.
`Non-volatile programmable memory 1014 is configured to
`be an application memory device, and may store information
`such as the primary account number and/or current debit
`balance infonnation. Examples of non—volatile program—
`mable memory 1014 include, but not limited to: a magnetic
`stripe, flash memory, Electrically Erasable Programmable '
`Read-Only Memory (EEPROM). or any other non-volatile
`computer memory or storage known in the art.
`Random access memory 1012 is any temporary memory
`storage meditnn element known in the art. Random access
`memory is usually (but does not have to be) volatile memory.
`The processor 1008, the read only memory 1010, the ran-
`dom access memory 1012 and the non-volatile program-
`mable memory 1014 may coupled to one another through an
`internal bus system. Data can be interchanged between the
`input/output unit 1016, the processor 1008 and the non—vola—
`tile progrannnable memory 1014. Furthermore, data can be
`interchanged between the processor 1008 and the non—vola—
`tile programmable memory 1014.
`Additionally, in some embodiments, the input/output cir-
`cuitry 1016 is further coupled to an input/output port 1018
`being formed in a surface area of the plastic housing 1002.
`Input/output port 1018 may be any data communications port
`known in the art, including, but not limited to: a serial port, a
`parallel port, a Universal Serial Bus (USB) interface, an the
`
`Institute of Electrical and Electronics Engineers (IEEE) 1394
`(“firewire”) interface, or any port known in the art.
`Cellular transceiver 1022 may be any cellular, personal
`communications system (PCS), Global System for Mobile
`Communications (GSM), General Packet Radio Service
`(GPRS), Enhanced Data for GSM Evolution (EDGE), Code
`Division Multiple Access (CDMA), Wideband Code Divi-
`sion Multiple Access (WCDMA), Frequency Division Mul-
`tiple Access (FDMA), Orthogonal Frequency- )ivision Mul-
`tiplexing (ODFM), or any other wireless communications
`protocol known in the art able to support voice communica-
`tions.
`Radio frequency transceiver 1024 may use any wireless
`data protocol known in the art, such as: Bluetooth, Wireless
`Application Protocol (WAP), IEEE 802.11 (“WiFi”), IEEE
`802.16 (“WiMax”), or any other wireless data communica—
`tions standard known in the art.
`Power supply 1020 may be any electrical power supply,
`including a battery. fuel cell, long-term capacitor or any other
`power storage known in the art. Power supply 1020 may be
`recharged by applying a direct current voltage.
`FIG. 2 illustrates a system to support the display of a
`real-time prepaid payment balance on a mobile phone, con-
`
`
`
`45
`
`50
`
`55
`
`60
`
`65
`
`4
`structed and operative in accordance with an embodiment of
`the present invention. A customer 2100 receives a prepaid
`payment mobile phone 1000. In some instances the mobile
`phone 1000 is purchased from an issuer 2500;
`in other
`instances the customer receives the mobile phone 1000 indi-
`rectly from the issuer 2500, as a gift or as the result of a
`promotion. When the customer 2100 uses the prepaid pay-
`ment mobile phone 1000 at a merchant 2200 to pay for a
`product or service, the merchant 2200 contacts an acquirer
`2300 (for example, a commercial bank) to determine whether
`there is sufficient funds on the mobile phone to pay for the
`transaction or a portion of the transaction. The acquirer 2300
`forwards the details of the payment transaction to a payment
`processor 2400 for processing. Payment processor may be
`any payment network known in the art. An example of a
`payment network includes, but is not limited to: VisaTM, Mas-
`terCardl’M, American Express“, Club'l'M, or Discoverl'M. In
`some instances,
`the payment processor 2400 determines
`whether the transaction should be allowed; in other instances,
`the payment processor 2400 queries the 2500 to determine
`whether the prepayment mobile phone has enough funds to
`allow the transaction.
`FIG. 3 depicts merchant 2200 in greater detail, Where mer—
`chant 2200 includes a system to support the display of a
`real—time prepaid payment balance on a mobile phone, con—
`structed and operative in accordance with an embodiment of
`the present invention. As shown, in FIG. 3, merchant 2200
`comprises a mobile phone point-of-sale read/writer 2210 that
`communicated with a merchant central computer 2230 via the
`merchant’s private network 2220. In some embodiments,
`merchant central computer 2230 may be coupled to hot list
`storage 2240.
`Mobile phone point-of-sale read/writer 2210 is any device
`capable of reading a personal account number off a prepaid
`payment mobile phone 1000, and write balance infomiation
`to the prepaid payment mobile phone 1000.
`Merchant central computer 2230 is a networked device
`capable of communicating transaction data with mobile
`phone point-of-sale read/writer 2210 and transmitting the
`transaction data over network 3100 to acquirer 2300.
`Hot list storage 2240 may be any list, database, or memory
`structure containing either invalid or valid primary account
`numbers.
`Operation of these prepayment mobile phone and system
`embodiments of the present invention may be illustrated by
`example.
`We now turn our attention to method or process embodi—
`ments. It is understood by those known in the art that instruc—
`tions for such method embodiments may be stored on a non-
`volatile programrnable memory 1014 and executed by a
`processor 1008.
`FIG. 7 illustrates a process embodiment to display the
`current debit balance of a prepaid payment mobile phone
`1000, constructed and operative in accordance with an
`embodiment of the present invention. When a user wants to
`know the balance ofprepaid payment mobile phone 1000, the
`user requests the balance through pressing button 1006. The
`mobile phone receives the balance request, block 7002.
`In mobile phone 1000 embodiments that utilize a personal
`identification number (PIN), display 1004 prompts the user
`for the PIN number, block 7004. The personal identification
`number may be stored in non-volatile programmable memory
`1014. At this point, the user may enter a PIN number using
`butt