(12) United States Patent
`(10) Patent N0.:
`US 9,027,827 B2
`Dessert et a].
`(45) Date of Patent:
`May 12, 2015
`
`USOO9027827B2
`
`(54)
`
`SYSTEM AND METHOD FOR PROVIDING A
`PERSONALIZED SHOPPING EXPERIENCE
`AND PERSONALIZED PRICING OF
`PRODUCTS AND SERVICES WITH A
`PORTABLE COMPUTING DEVICE
`
`(75)
`
`Inventors: Robert L. Dessert, Canton, GA (US);
`Robert Canterbury, Carlsbad, CA
`(US); Scott Monahan, Atlanta, GA (US)
`
`(73)
`
`Assignee:
`
`QUALCOMIVI Incorporated, San
`Diego, CA (US)
`
`(*)
`
`Notice:
`
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 288 days.
`
`(21)
`
`Appl. N0.: 13/365,424
`
`(22)
`
`Filed:
`
`Feb. 3, 2012
`
`Prior Publication Data
`
`US 2013/0181045 A1
`
`Jul. 18, 2013
`
`Related U.S. Application Data
`
`Provisional application No. 61/586,900, filed on Jan.
`16, 2012.
`
`Int. Cl.
`G061” 17/00
`G06Q 30/06
`G06Q 30/02
`006g 20/32
`G06Q 20/20
`G06Q 30/00
`U.S. Cl.
`CPC
`
`(2006.01)
`(2012.01)
`(2012.01)
`(2012.01)
`(2012.01)
`(2012.01)
`
`G06Q 30/0601 (2013.01); G06Q 30/0207
`(2013.01); GIMQ 20822 (2013.01 ), G06Q
`20/20 (2013.01); G06Q 30/01 (2013.01)
`Field of Classification Search
`USPC ............ 235/375, 380, 379, 705/1425, 14.58,
`705/1453, 14.16, 14.64, 14.66, 14.19, 14.1,
`705/261
`See application file for complete search history.
`
`(65)
`
`(60)
`
`(51)
`
`(52)
`
`(58)
`
`(5 6)
`
`References Cited
`
` U.S. PATENT DOCUMENTS
`
`5,424,524 A
`5,918,211 A ”‘
`6,179,206 B1
`2002/0062249 A1 *
`2005/0040230 A1
`2010/0145784 A1
`2011/0029364 A1
`2011/0191181 A1
`201 1/0246306 Al
`2011/0295670 A1
`2014/0239066 A1
`
`6/1995 Ruppert et 31.
`6/1999 Sloane ............................ 705/16
`1/2001 Matsumori
`5/2002 Iannacci
`......................... 705/14
`2/2005 Swaitz et a1.
`6/2010 Sriver et a1.
`2/2011 Roeding et a1.
`8/2011 Blackhurst Ctal.
`10/201 1 Blackhurst et a1.
`12/2011 Thomas et al.
`8/2014 Dessert et al.
`
`OTHER PUBLICATIONS
`
`International Search Report and Written Opini0n7PCT/US2012/
`0704757ISA/EPO7Sep. 20. 2013.
`
`* cited by examiner
`
`Primary Examiner 7 Michael G Lee
`Assistant Examiner 7 Tabitha Chedekel
`
`(74) Attorney, Agent, or Firm 7 NicholasA. Cole
`
`ABSTRACT
`(57)
`A system and method for providing a personalized shopping
`experience with a portable computing device (“PCD”) are
`described. The system and method may include checking-in
`PCD consumers upon entering an establishment of a iner-
`chant. The checking-in of the PCD consumer may include
`verifying credentials for gaining access to a central mobile
`payment controller and receiving a merchant identifier corre—
`sponding to a merchant from a computer communications
`network. Next, a scan of a machine-readable code associated
`With at least one of a good and a service may be received.
`Information associated With the machine-readable code may
`be retrieved from a database. Subsequently, a personalized
`price for the at least one good or service may be determined
`by applying one or more rules. The personalized price may be
`transmitted over a computer communications network to the
`portable computing device for display to the PCD consumer.
`
`36 Claims, 26 Drawing Sheets
`
`
`
`3%?
`BSSAKSSC
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`SCANNING
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`Google LLC v. RFCyber Corp. / Page 1 of 50
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`US. Patent
`
`May 12, 2015
`
`Sheet 1 0f 26
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`US 9,027,827 B2
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`US. Patent
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`May 12, 2015
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`Sheet 2 0f 26
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`US 9,027,827 B2
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`US. Patent
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`May 12, 2015
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`US. Patent
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`May 12, 2015
`
`Sheet 4 0f 26
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`US. Patent
`
`May 12, 2015
`
`Sheet 5 0f 26
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`US 9,027,827 B2
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`

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`US. Patent
`
`May 12, 2015
`
`Sheet 6 0f 26
`
`US 9,027,827 B2
`
`Device Display
`
`908
`
`PERSONALIZED SHOPPING/PAYMENT APPLICATION 113
`314A
`A :
`314C
`314D
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`314E
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`US. Patent
`
`May 12, 2015
`
`Sheet 7 0f 26
`
`US 9,027,827 B2
`
`Alternate
`
`20A
`
`'10
`
`Payment
`Systems
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`Cred it
`Card(s)
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`Merchant
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`Central
`_
`Mobile
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`
`402
`
`eWallet
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`Credit Switch
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`404
`
`406
`Data Update
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`Enterprise Router
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`408
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`MERCHANT POS SYSTEM
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`410
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`Google LLC v. RFCyber Corp. / Page 8 of 50
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`US. Patent
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`US. Patent
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`US. Patent
`
`May 12, 2015
`
`Sheet 11 of 26
`
`US 9,027,827 B2
`
`Mobile Payment Enrollment Portal E
`26A
`
`Public Website
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`US. Patent
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`May 12, 2015
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`Sheet 12 0f 26
`
`US 9,027,827 B2
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`Google LLC v. RFCyber Corp. / Page 13 of 50
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`US. Patent
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`May 12, 2015
`
`Sheet 13 of 26
`
`US 9,027,827 B2
`
`742
`
`779
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`Personalized Pricing
`Module
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`Rules Engine
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`Google LLC v. RFCyber Corp. / Page 14 of 50
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`GOOG-1007
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`US. Patent
`
`May 12, 2015
`
`Sheet 14 of 26
`
`US 9,027,827 B2
`
`87300
`
`NFC
`Antenna
`
`Power
`Supply
`
`822
`
`Co.nt
`
`Port
`
`Arno.
`
`.03
`
`Di—play/ 82830
`l-Touchscreen—
`Disp
`use ‘I-
`Cont.
`83:'Video *ideo.
`
`Card
`
`35 .
`
`Sneaker
`Stereo
`
`86
`
`85-
`
`
`
`
`-I RF
`Transceiver
`Sw.
`
`‘
`
`870
`
`Headohones
`
`86
`
`Keypad
`
`353
`
`874
`
`Mono
`Headset
`
`876
`
`w/ mere.
`
`FIG. 8
`
`878
`
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`US. Patent
`
`May 12, 2015
`
`Sheet 15 of 26
`
`US 9,027,827 B2
`
`
`
`Start Method for personalizing
`shopping with a portable
`computing device
`
`900A
`
`
`
`
`/fi 901
`
`
`Start Sub-Method for
`
`
`
`Providing Personalized
`Pricino
`
`
`
`
`/% 903
`
`Receive client credentials from -|
`personal computing device J
`
`
`
` Goto Step
`930, FIG. QB
`
`
`
`FIG. 9A
`
`
`
`Google LLC v. RFCyber Corp. / Page 16 of 50
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`US. Patent
`
`May 12, 2015
`
`Sheet 16 of 26
`
`US 9,027,827 B2
`
`
`
`From Step
`927, Fig. 9A
`
`9003
`
`At Central Mobile Payment Controller,
`Match purchase parameters received
`from ECR with tag parameters received
`from portable computing device
`
`
`
`
`
`,e 942
`
`Receive selected match(es)
`ECR and apply against current
`bill
`
`Goto Fig. 90,
`Step 955
`
`
`
`
`
`FIG. QB
`
`Google LLC v. RFCyber Corp. / Page 17 of 50
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`

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`US. Patent
`
`May 12, 2015
`
`Sheet 17 of 26
`
`US 9,027,827 B2
`
`900C
`
`
`
`From Fig.
`QB, Step 945
`
`
`
`
`
`Match total purchase data with
`client preferences for payment
`and relay to client
`
`Display total purchase data, user payment
`method preferences, and relevant balance(s)
`from payment method preferences
`
`
`
`
`Process payment(s) by sending
`messages to one or more
`payment systems
`
`’
`
`Receive payment authorization /
`message(s)
`
`/f 971
`
`
`
`
`Goto Fig. 9D,
`Step 973
`
`FIG. 9C
`
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`US. Patent
`
`May 12, 2015
`
`Sheet 18 of 26
`
`US 9,027,827 B2
`
`
`
`
`From Fig.
`QC, Step 971
`
`00D
`
`Relay payment authorization message(s)
`to Central Mobile Payment Controller and /
`POS System
`
`
`
`Generate hard copy receipt with electronic
`cash register (ECR)
`
`FIG. 9D
`
`Google LLC v. RFCyber Corp. / Page 19 of 50
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`

`US. Patent
`
`May 12, 2015
`
`Sheet 19 of 26
`
`US 9,027,827 B2
`
`>955
`
`1040
`
`Start Sub-Method /
`
`Routine for Tender
`
`Steering
`
`
`Profile match
`
`
`ith loyalty program criterl
`
`
`or frequency of
`1005
`
`merchant visits?
`
`Payment
`
`
`e
`Method Presentment Overrid
`
`
`Activated?
`
`
`
`
`
`
`YES
`
`No
`
`Prepare Offer for merchant
`branded payment account
`
`
`
`
`
`
`
`Execute one or more business rules for
`Re-Order ranked list as
`
`preparing offers associated with merchant
`appropriate based on T 1060
`branded account(s)
`comparison to purchase
`price
`
`1 025
`
`Execute one or more rules
`associated with loyalty
`program and/or visit
`Profile associated
`frequency
`NO
`
`
`with merchant branded
`
`
`account?
`Add offer to a ranked list
`
`of user payment
`”
`7 1015
`methods
`
`
`
`
` Compare ranked list of
`
`user payment methods ’
`
`to purchase price
`
`
`Review ranked list and fl
`
`identify payment account
`
`
`types
`'rofile associate
`
`
`with merchant branded
`
`gift card?
`
`Re-Order ranked list
`
`
`based on payment
`account types
`
`
`RETURN TO BLOCK
`
`956, FIG. 9C
`
`
`
`
`1065
`
`1070
`
`Add offer to a ranked list of user payment
`methods
`
`__
`
`1035
`
` Y
`
`ES
`
`Add gift card to a ranked list of user payment
`methods
`
`
`
`FIG. 9E
`
`
`
`Google LLC v. RFCyber Corp. / Page 20 of 50
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`

`

`US. Patent
`
`May 12, 2015
`
`Sheet 20 of 26
`
`US 9,027,827 B2
`
`
`
`Start Sub-Method/
`_
`.
`.
`
`
`Routine for PrOVIding
`Personalized Shopping
`with Personalized Pricing
`
`
`
`01A
`
`/i 1105
`
`Identify user account associated with PCB
`and location of PCB and review loyalty status
`and wishlist
`
`
`
`
`
`
`Provide personalized pricing
`of goods/services
`
`,/ /f 1115
`
`
`
`Display wishlist items previously /
`stored by user
`
`
`
`1120
`
`Receive scan of good(s)/
`service(s)
`
`Check database
`
`
`
`
`{/fi 1125
`
`
`
`/
`
`‘
`
`1130
`
`
`
`
`
`
`
`
`
`Goto Step
`1 135, Fig.
`
`9G
`
`FIG. 9F
`
`Google LLC v. RFCyber Corp. / Page 21 of 50
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`

`

`US. Patent
`
`May 12, 2015
`
`Sheet 21 of 26
`
`US 9,027,827 B2
`
` From Step
`
`1130, FIG.
`
`
`1A
`
`
`
`>901B
`
`Provide personalized pricing
`of goods/services
`
`1135
`
`.
`.
`.
`.
`Display personalized prices and available payment
`methods for goods/services
`
`y? 1140
`
`Apply merchandise/service ensemble rules
`
`/
`
`i 1145
`
`Display additional goods and personalized pricing for
`additional goods/services based on merchandise
`ensemble rules
`
`e 1150
`
` Receive goods/services for
`
`virtual shopping basket
`
`Receive goods/services for
`wishlist
`
`/
`
`Display goods/services in basket
`with nersonalized orices
`
`Receive command for checkout
`
`1155
`
`i 1160
`
`,27 1165
`
`1170
`
`
`
`
`Goto Step
`903, FIG.
`9A
`
`
`
`FIG. 96
`
`Google LLC v. RFCyber Corp. / Page 22 of 50
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`

`

`US. Patent
`
`May 12, 2015
`
`Sheet 22 of 26
`
`US 9,027,827 B2
`
`
`Start Sub-Method/
`
`
`Routine for Providing
`Personalized Pricing
`
`1115,1135
`
`
`
`Determine level of interest in product or
`service from a PCD consumer
`
`Apply Rules based on level of interest
`from PCD consumer
`
`
`
`RETURN TO
`
`
`STEP 1120 FIG. 9F OR
`STEP 1140 FIG. 9G
`
`
`FIG. 9H
`
`Google LLC v. RFCyber Corp. / Page 23 of 50
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`

`

`US. Patent
`
`2921ym
`
`.31
`
`S
`
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`
`f0
`
`US 9,027,827 B2
`
`3imNFflQflQmmin<mKLQOE
`e‘..h38>0%Cam?.5>..m._<.u¢<$xta.4.35.
`0mi
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`
`GOOG-1007
`Google LLC v. RFCyber Corp. / Page 24 of 50
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`Apple EX1007 Page 24
`
`

`

`US. Patent
`
`May 12, 2015
`
`Sheet 24 0f 26
`
`US 9,027,827 B2
`
`
`
`NMESwig,”$2;me
`
`
`
`53me0me”mm2&4”3mm
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`
`GOOG-1007
`Google LLC v. RFCyber Corp. / Page 25 of 50
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`Apple EX1007 Page 25
`
`

`

`US. Patent
`
`May 12, 2015
`
`Sheet 25 of 26
`
`US 9,027,827 B2
`
`
`
`Iw_>>EE2062
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`
`GOOG-1007
`Google LLC v. RFCyber Corp. / Page 26 of 50
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`US. Patent
`
`May 12, 2015
`
`Sheet 26 of 26
`
`US 9,027,827 B2
`
`2%meSow.mm__a<”28
`
`k:”9mon_
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`so3:39mm<
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`
`GOOG-1007
`Google LLC v. RFCyber Corp. / Page 27 of 50
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`

`US 9,027,827 B2
`
`1
`SYSTEIVI AND METHOD FOR PROVIDING A
`PERSONALIZED SHOPPING EXPERIENCE
`AND PERSONALIZED PRICING OF
`PRODUCTS AND SERVICES WITH A
`PORTABLE COMPUTING DEVICE
`
`PRIORITY CLAIM AND RELATED
`APPLICATIONS STATEMENT
`
`This application claims priority under 3 5 US .C. §l 19(e) to
`US. Provisional Patent Application Ser. No. 61/586,900,
`
`entitled, “SYSTEM AND METHOD FOR PROVIDING A
`PERSONALI7ED SHOPPING EXPERIENCE AND PER-
`SONALIZED PRICING OF PRODUCTS AND SERVICES
`
`
`WITH A PORTABLE COMPUTING DEVICE,” filed Jan.
`16, 2012. The entire contents of which are hereby incorpo-
`rated by reference.
`
`DESCRIPTION OF THE RELATED ART
`
`Absent any use of portable computing devices (“PCDs”)
`by consumers, like mobile phones, merchants in traditional
`shopping environments typically do not have the opportunity
`to strongly influence decisions of the consumer with respect
`to the products and/or services that a consumer desires to
`purchase. However, when consumers use PCDs to assist with
`their shopping experience (transforming these consumers
`into “PCD consumers”), merchants may now have the oppor—
`tunity strongly influence the buying decision of such PCD
`consumers. Conventional PCD shopping applications exist
`and are offered by several [merchants But such conventional
`PCD shopping applications fall short in providing offers that
`are Lmique and personalized to each individual PCD con-
`sumer.
`
`Accordingly, what is needed is a system and method that
`may overcome the generic product/service offering problems
`associated with conventional shopping applications for PCDs
`which are available to a consumer for purchasing goods or
`services (or both).
`SUMMARY OF THE DISCLOSURE
`
`According to one exemplary aspect of the system and
`method, a personalized shopping experience with a portable
`computing device may be provided by checking—in PCD con—
`sumers upon entering an establishment of a merchant. The
`checking—in of the PCD consumer may include verifying
`credentials for gaining access to a central mobile payment
`controller and receiving a merchant identifier corresponding
`to a merchant from a computer communications network.
`Next, a scan of a machine-readable code associated with at
`least one ofa good and a service may be received. Infonnation
`associated with the machine-readable code may be retrieved
`from a database. Subsequently, a personalized price for the at
`least one good or service may be determined by applying one
`ormorc rules. The personalized price may be transmitted over
`a computer communications network to the portable comput-
`ing device for display to the PCD consumer.
`Determining a personalized price for the consumer may
`include detemlining a level of interest in the good or service
`
`selected by the consumer. Exemplary ways to determine a
`level of interest in the good or service include, but are not
`limited to, determining ifa machine-readable code associated
`with the good or service has been scarmed by the portable
`computing device; determining if the product or service is
`contained within at lea st one of a wishlist, a virtual shopping
`
`2
`cart, and a virtual check out list; and determining ifthe prod—
`uct or service has been purchased previously by the con—
`sumer.
`
`The method and system may further include executing one
`or more rules for generating a suggestion of an additional
`product or service associated with the scanned machine-read-
`able code. At least one of a stock keeping unit database, a
`customer profile database, a demographics database, and a
`promotion database may be accessed in order to generate the
`suggestion.
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`In the Figures, like reference numerals refer to like parts
`throughout the various views unless otherwise indicated. For
`reference numerals with letter character designations such as
`“102A” or “102B”, the letter character designations may
`differentiate two like parts or elements present in the same
`Figure. Letter character designations for reference numerals
`may be omitted when it is intended that a reference numeral to
`encompass all parts having the same reference numeral in all
`Figures.
`FIG. 1 is a diagram ofa wireless portable computing device
`(“PCD”) coupled to a wireless communications network
`which are integral parts ofa system for managing transactions
`with the portable computing device;
`FIG. 2A is a diagram ofa screen for entering a user’ 5 log-in
`credentials on the PCD to access the system;
`FIG. 2B is a diagram of a screen for entering additional
`log-in credentials suchas a password on the PCD to access the
`system;
`FIG. 2C is a diagram of a screen for the PCD confirming
`access to system;
`FIG. 2D is a diagram of a screen that shows the contents of
`an image being scalmed with a camera of the PCD;
`FIG. 2E is a diagram of a screen that shows merchant
`information relevant to a transaction and a line item listing of
`products being scanned by a product scanner coupled to an
`electronic cash register;
`FIG. 2F is a diagram of a screen that shows merchant
`information relevant to a transaction and a coupon option that
`may be selected by a user;
`FIG. 2G is a diagram of a screen that shows merchant
`information relevant to a transaction and a total bill for a
`purchase along with a plurality of payment options that may
`be selected by a user;
`FIG. 2H is a diagram of a screen that shows an electronic
`receipt that may be provided upon completion ofa transaction
`with a merchant;
`FIG. 21 is a diagram of an exemplary machine-readable tag
`that may be coupled to an electronic cash register of a mer-
`chant;
`FIG. 3A is a diagram of hardware components and soft-
`ware components running on a portable computing device for
`supporting transactions with the portable computing device;
`FIG. 3B is a diagram of several software components for a
`personalized shopping/payment application running on a por-
`table computing device;
`FIG. 4 is a diagram illustrating details for the merchant
`point-of-sale system and the merchant enterprise system of
`FIG. 1 for completing a sales transaction;
`FIG. 5 is a diagram illustrating details of a merchant
`acquirer and credit card subsystems ofFIG. 1 for completing
`a sales transaction;
`FIG. 6 is a diagram illustrating details of a gateway and
`alternative payment systems illustrated in FIG. 1;
`
`10
`
`15
`
`'
`
`30
`
`35
`
`4O
`
`45
`
`50
`
`55
`
`60
`
`65
`
`Google LLC v. RFCyber Corp. / Page 28 of 50
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`US 9,027,827 B2
`
`
`
`
`
`3
`3 G. 7A is diagram illustrating details for the central
`mobile payment controller illustrated in FIG. 1 that assists
`with providing personalized pricing and ensemble sugges—
`tions for the PCD consumer;
`3 G. 7B is a diagram illustrating several on—line portals for
`managing the transaction management system 101 according
`to one exemplary embodiment of the invention;
`ll
`G. 7C is a diagram illustrating a price look-up (“PLU”)
`tab
`e and an exemplary relationship among a rules engine and
`a l3(Db—lII
`rsonalized pricing module;
`G. 7D is a diagram illustrating a level of interest module
`and exemplary relationships among the personalized pricing
`module, the rules engine, and a tender steering module;
`
`3 G. 73 is a diagram illustrating details of a product
`ensemble engine that may assist with providing a personal— 15
`ized shopping experience;
`3 G. 8 is a functional block diagram illustrating an exem—
`plary portable computing device;
`3 GS. 9A-9E are llowcharts illustrating a method for man-
`aging transactions with a PCD;
`3 GS. 9F-9G are flowcharts illustrating a submethod or
`routine for providing a personalized shopping experience
`with personalized pricing for a PCD consumer;
`3 G. 9H is a submethod or routine for providing personal-
`ized pricing for a PCD consumer;
`3 G. 10A is a diagram of an exemplary inachine—readable
`tag that may be positioned on a surface such as a table at a
`restaurant;
`3 G. 10B is a diagram of a screen that shows relevant
`merchant information and an option for an offer from a mer— 30
`chant that may be selected by a user prior to the end of a
`transaction;
`3 G. 10C is a diagram that shows merchant information
`relevant to a transaction and a total bill for a purchase along
`with a plurality of payment options that may be selected by 35
`user-a
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`5
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`10
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`20
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`25
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`3 G. 10D is a diagram of a screen that shows electronic
`receipt that may be provided upon completion of a transaction
`with a merchant, such as a restaurant;
`3 G. 11A is a diagram of a screen that illustrates a good or 40
`procuct that has been scanned by a PCD 100 and its corre—
`sponding personalized price;
`3 G. 11B is a diagram of a screen that illustrates a virtual
`shopping cart or basket along with a suggested ensemble of
`related products by the ensemble engine;
`3 G. 11C is a diagram of a screen that illustrates a virtual
`wish list that may be updated by the PCD consumer with his
`or 1er PCD;
`3 G. 12A is a diagram of a screen that shows merchant
`information relevant to a transaction and a total bill for a 50
`purchase along with a plurality of offers which were gener—
`ated by a tender steering algorithm; and
`3 G. 12B is a diagram of a screen that shows merchant
`information relevant to a transaction and a total bill for a
`purchase along with a plurality of payment options that may 55
`be selected by user and which were re-ordered by a tender
`steering algorithm.
`
`45
`
`4
`“application” referred to herein, may also include files that
`are not executable in nature, such as documents that may need
`to be opened or other data files that need to be accessed.
`The term “content” may also include files having execut-
`able content, such as: object code, scripts, byte code, markup
`language files, and patches, In addition, “conten ” referred to
`herein, may also include files that are not executable innature,
`such as documents that may need to be opened or other data
`files that need to be accessed.
`As used in this description, the terms “component,” “data—
`base,” “module,” “system,” and the like are intended to refer
`to a computer—related entity, either hardware, firmware, a
`combination ofhardware and software, software, or software
`in execution. For example, a component may be, but is not
`limited to being, a process running on a processor, a proces-
`sor, an object, an executable, a thread ofexecution, a program,
`and/or a computer. By way of illustration, both an application
`ruiming on a computing device and the computing device
`may be a component. One or more components may reside
`Within a process and/or thread of execution, and a component
`may be localized on one computer and/0r distributed between
`two or more computers. In addition, these components may
`execute from various computer readable media having vari—
`ous data structures stored thereon. The components may com—
`municate by way of local and/or remote processes such as in
`accordance with a signal having one or more data packets
`(e.g., data from one component interacting with another com-
`ponent in a local system, distributed system, and/or across a
`network such as the Internet with other systems by way ofthe
`signal).
`In this description, the terms “communication device,”
`“wireless device,” “wireless telephone,” “wireless communi-
`cation dcvice,” and “wireless handset” are used interchange-
`ably. With the advent of third generation (“3 G”) wireless
`technology and four generation (“4G”), greater bandwidth
`availability has enabled more portable computing devices
`with a greater variety of wireless capabilities. Therefore, a
`portable computing device may include a cellular telephone,
`a pager, a PDA, a smartphone, a navigation device, or a
`hand-held computer with a wireless connection or link.
`Referring initially to FIG. 1, this figure is a diagram of a
`Wireless portable computing device (“PCD”) 100 coupled to
`a communications network 142 via a wireless communica-
`tion link 103A which are integral parts of a system 101 (also
`referred to herein as a transaction management system 101)
`for managing transactions with the portable computing
`device 100.
`Many of the system elements illustrated in FIG. 1 are
`coupled via communication links 103 to the communications
`network 142. The communication links 103 illustrated in
`FIG. 1 may comprise wired or wireless links. Wireless links
`include, but are not limited to, radio-frequency (“RF”) links,
`infrared links, acoustic links, and other Wireless mediums.
`The communications network 142 may comprise a wide area
`network (“WAN”), a local area network (“LA ”), the Inter-
`net, a Public Switched Telephony Network (“PSTN”), a pag-
`ing network, or a combination thereof.
`The communications network 142 may be established by
`broadcast RF transceiver towers (not illustrated). However,
`one of ordinary skill in the art recognizes that other types of
`communication devices besides broadcast RF transceiver
`towers are included within the scope of this disclosure for
`establishing the communications network 142.
`The PCD 100 is shown to have a RF antenna 872 (see FIG.
`8) so that a respective PCD 100 may establish a Wireless
`communication link 103A with the commlmications network
`142 via RF transceiver towers (not illustrated). The portable
`
`DETAILED DESCRIPTION
`
`60
`
`The word “exemplary” is used herein to mean “serving as
`an example, instance, or illustration.” Any aspect described
`herein as “exemplary” is not necessarily to be construed as
`preferred or advantageous over other aspects.
`In this description, the term “application” may also include 65
`files having executable content, such as: obj ect code, scripts,
`byte code, markup language files, and patches. In addition, an
`
`Google LLC v. RFCyber Corp