Apple working on credit card payments from mobile devices
TweetFollow Us on Twitter

Apple working on credit card payments from mobile devices

Apple is working on further ways to make your iOS devices a "digital wallet," as evidenced by patent number 819554, which has appeared at the U..S. Patent & Trademark Office. It's for a method and system for payment and/or issuance of credits via a mobile device

Here's Apple's background and summary of the invention: "An account of available credit for the user of the mobile device is maintained and authorization to issue credit is generated when a request for credit for the mobile device is received and there is available credit in the account associated with the mobile device equal to or greater than the requested credit. Credit may be sponsored by one or more sponsors and issued to the user, upon authorization, to enable the user to use the mobile device to purchase items, e.g., at a point of sale terminal.

"Usage of cellular or mobile telephones is very popular and common. In a typical arrangement for use of a mobile telephone, a user subscribes to a mobile telephone service offered by a mobile telephone operator or carrier and enters into a pre-paid or post-paid plan with the mobile telephone operator. A pre-paid subscription plan is usually an arrangement where the user pays in advance for the telephone services to be used over a future period of time. A post-paid subscription plan is usually an arrangement where the user pays for the telephone services after using the services.

"The services available using the mobile telephone may be voice services (i.e., making and receiving telephone calls), messaging services such as Short Message Service (SMS), Multimedia Message Service (MMS), data services such as Internet browsing or Wireless Application Protocol (WAP) browsing, video calls, downloading content, streaming content, purchasing applications such as games or other software, using location, guidance or navigation services, finding information, and communicating with a group of people and others.

"Mobile telephones can also be used as a payment method in point of sales transactions. One example of such usage involves use of the near field communication (NFC) capabilities of a mobile telephone to use it as credit card in the point of sales transaction.

"On the other hand, instead of being used to pay for goods and services, a mobile telephone can receive coupons for discounts which may be used in a point of sales transactions conducted using the mobile telephone or otherwise, and free samples which may be received using the mobile telephone or otherwise. In this regard, reference is made to International Publication No. WO 2007/060451, incorporated by reference herein in its entirety.

"The present invention is directed at least in part to a method and system for providing credits, vouchers or coupons representative of monetary value to users of mobile devices such as mobile telephones. The users of the mobile telephones are able to use the monetary value of the credits to purchase goods and/or services."

Janne Aaltonen nd Sami Saru are the inventors.

Along the same lines is patent number 8195547 for a system and method for delivering upon request credits having monetary value to a mobile device using a communications network. An account of available credit for the user of the mobile device is maintained and authorization to issue credit is generated when a request for credit for the mobile device is received and there is available credit in the account associated with the mobile device equal to or greater than the requested credit. Credit may be sponsored by one or more sponsors and issued to the user, upon authorization, to enable the user to use the mobile device to purchase items, e.g., at a point of sale terminal. Saru and Janne Aaltonen are the inventors.

 

Community Search:
MacTech Search:

Software Updates via MacUpdate

calibre 2.17 - Complete e-library manage...
Calibre is a complete e-book library manager. Organize your collection, convert your books to multiple formats, and sync with all of your devices. Let Calibre be your multi-tasking digital librarian... Read more
OmniGraffle Pro 6.1.2 - Create diagrams,...
OmniGraffle Pro helps you draw beautiful diagrams, family trees, flow charts, org charts, layouts, and (mathematically speaking) any other directed or non-directed graphs. We've had people use... Read more
OmniGraffle 6.1.2 - Create diagrams, flo...
OmniGraffle helps you draw beautiful diagrams, family trees, flow charts, org charts, layouts, and (mathematically speaking) any other directed or non-directed graphs. We've had people use Graffle to... Read more
RoboForm 2.0.2 - Password manager; syncs...
RoboForm is a password manager that offers one-click login, mobile syncing, easy form filling, and reliable security. Password Manager. RoboForm remembers your passwords so you don't have to! Just... Read more
Apple MainStage 3.1 - Live performance t...
Love the sound you got on your recording? MainStage 3 makes it easy to bring all the same instruments and effects to the stage. Everything from the Sound Library and Smart Controls you're familiar... Read more
Freeway Pro 7.0.2 - Drag-and-drop Web de...
Freeway Pro lets you build websites with speed and precision... without writing a line of code! With its user-oriented drag-and-drop interface, Freeway Pro helps you piece together the website of... Read more
A Better Finder Rename 9.44 - File, phot...
A Better Finder Rename is the most complete renaming solution available on the market today. That's why, since 1996, tens of thousands of hobbyists, professionals and businesses depend on A Better... Read more
Stacks 2.6.9 - New way to create pages i...
Stacks is a new way to create pages in RapidWeaver. It's a plugin designed to combine drag-and-drop simplicity with the power of fluid layout. Features: Fluid Layout: Stacks lets you build pages... Read more
Sid Meier's Civilization: Beyond Ea...
Sid Meier's Civilization: Beyond Earth is a new science-fiction-themed entry into the award-winning Civilization series. Set in the future, global events have destabilized the world leading to a... Read more
Logic Pro X 10.1 - Music creation and au...
Apple Logic Pro X is the most advanced version of Logic ever. Sophisticated new tools for professional songwriting, editing, and mixing are built around a modern interface that's designed to get... Read more

Choice Provisions is Set to Launch Destr...
Choice Provisions is Set to Launch Destructamundo on iOS This Month Posted by Tre Lawrence on January 23rd, 2015 [ permalink ] Choice Provisions – home stable to | Read more »
King of Thieves – An Interview With Zept...
Ahead of the release of ZeptoLab’s King of Thieves, we were able to ask ZeptoLab’s co-founder, Semyon Voinov, a few questions about the inspiration behind the game and what that means for the Cut the Rope franchise. | Read more »
Handle Review
Handle Review By Jennifer Allen on January 23rd, 2015 Our Rating: :: SPEEDY ORGANIZINGUniversal App - Designed for iPhone and iPad Handle is a very convenient way of juggling your emails, To Do list, and Calendar all through one... | Read more »
The New Disney Inquizitive App Offers a...
The New Disney Inquizitive App Offers a Place for Fans to Take Disney Quizzes Posted by Tre Lawrence on January 23rd, 2015 [ permalink ] | Read more »
Hands-On With Cut the Rope Developer Zep...
Marking quite a departure from ZeptoLab’s past successes, namely the Cut The Rope series, King of Thieves is shaping up to be quite promising. Due for release in February, we were lucky enough to have some time with a preview build to see exactly... | Read more »
Fast Fishing Review
Fast Fishing Review By Jennifer Allen on January 23rd, 2015 Our Rating: :: LIVES UP TO ITS NAMEUniversal App - Designed for iPhone and iPad Fishing is far from relaxing in Fast Fishing, but it is fun.   | Read more »
The LEGO Movie Video Game is Available N...
The LEGO Movie Video Game is Available Now for iOS Posted by Ellis Spice on January 23rd, 2015 [ permalink ] Universal App - Designed for iPhone and iPad | Read more »
Satellina Review
Satellina Review By Jennifer Allen on January 23rd, 2015 Our Rating: :: TWITCHY BUT TACTICALUniversal App - Designed for iPhone and iPad Satellina requires quick thinking and twitchy fingers, and it’s pretty fun.   | Read more »
Tail Drift, the Crazy 360 Degree Flyer,...
Tail Drift, the Crazy 360 Degree Flyer, Has Gone Free-to-Play in a New Update Posted by Jessica Fisher on January 22nd, 2015 [ permalink ] | Read more »
PureSkate 2 Review
PureSkate 2 Review By Tre Lawrence on January 22nd, 2015 Our Rating: :: ALMOST ALL AIRUniversal App - Designed for iPhone and iPad PureSkate 2 lets one’s fingers do the skateboarding.   | Read more »

Price Scanner via MacPrices.net

College Student Deals are back, additional $5...
Take an additional $50 off all MacBooks and iMacs at Best Buy Online with their College Students Deals Savings, valid through April 11, 2015. Anyone with a valid .EDU email address can take advantage... Read more
iPhone 6 and 6 Plus GIve Apple Half Of US Mob...
Chicago-based Consumer Intelligence Research Partners, LLC (CIRP) have released analysis of the results of its research on mobile phone manufacturers for the calendar quarter that ended December 31,... Read more
Save $100 on MacBook Airs with 256GB of stora...
B&H Photo has 256GB MacBook Airs on sale for $100 off MSRP. Shipping is free, and B&H charges NY sales tax only: - 11″ 1.4GHz/256GB MacBook Air: $999 $100 off MSRP - 13″ 1.4GHz/256GB MacBook... Read more
21-inch 2.7GHz iMac on sale for $1179, save $...
B&H Photo has the 21″ 2.7GHz iMac on sale for $1179 including free shipping plus NY sales tax only. Their price is $120 off MSRP, and it’s the lowest price available for this model from any... Read more
iPhone Usage Rates by State Correlate With Ed...
Chitika Insights notes that despite iPhones being the largest source of smartphone Internet traffic in North America, their latest study finds a relatively high degree of variation of iPhone usage... Read more
ProGearX Extendable Pole “Pov/Selfie Stick” M...
There’s something inescapably narcissistic about the concept of selfies as they’ve developed as a smartphone-driven social (particularly social media) phenomenon that rubs me the wrong way. However,... Read more
iPad Air 2 on sale for up to $100 off MSRP, 2...
 Best Buy has iPad Air 2s on sale for up to $100 off MSRP on their online store for the next two days. Choose free shipping or free local store pickup (if available). Sale prices available for online... Read more
Roundup of Apple refurbished MacBook Pros and...
The Apple Store has Apple Certified Refurbished 2014 MacBook Pros and MacBook Airs available for up to $400 off the cost of new models. An Apple one-year warranty is included with each model, and... Read more
Sale! 13-inch 2.8GHz Retina MacBook Pro for $...
 B&H Photo has the 13″ 2.8GHz Retina MacBook Pro on sale for $1599 including free shipping plus NY sales tax only. Their price is $200 off MSRP, and it’s the lowest price available for this model... Read more
Next OS X/iOS Version Upgrades Should Concent...
On stage at Apple’s World Wide Developers’ Conference in June 2009, Bertrand Serlet, the company’s Senior Vice President of Software Engineering at the time, announced that the forthcoming OS X... Read more

Jobs Board

*Apple* Solutions Consultant (ASC)- Retail S...
**Job Summary** The ASC is an Apple employee who serves as an Apple brand ambassador and influencer in a Reseller's store. The ASC's role is to grow Apple Read more
*Apple* Solutions Consultant - Retail Sales...
**Job Summary** As an Apple Solutions Consultant (ASC) you are the link between our customers and our products. Your role is to drive the Apple business in a retail Read more
*Apple* Lead Operator, GSOC - Apple (United...
**Job Summary** Apple is seeking an exceptional, customer service oriented and experienced persons to fulfill the role of Apple Lead Operator (ALO) as part of the Read more
Order Support Supervisor- *Apple* Online Sto...
**Job Summary** The Apple Online Store (AOS) Order Administration team is looking for an Order Support Supervisor to manage and lead a team of Specialists through the Read more
Senior Program Manager, *Apple* Online Supp...
**Job Summary** The Apple Online Support Planning team is looking for an experienced Senior Project Manager to lead key Quality program initiatives across the Online Read more
All contents are Copyright 1984-2011 by Xplain Corporation. All rights reserved. Theme designed by Icreon.