A novel system and methodology for conducting financial and other transactions using a wireless device. Credentials may be selectively issued by issuers such as credit card companies, banks, and merchants to consumers permitting the specific consumer to conduct a transaction according to the authorization given as reflected by the credential or set of credentials. The preferred mechanism for controlling and distributing credentials according to the present invention is through one or more publicly accessible networks such as the Internet wherein the system design and operating characteristics are in conformance with the standards and other specific requirements of the chosen network or set of networks. Credentials are ultimately supplied to a handheld device such as a mobile telephone via a wireless network. The user holding the credential may then use the handheld device to conduct the authorized transaction or set of transactions via, for example, a short range wireless link with a point-of-sale terminal.

Method and apparatus for managing credentials through a wireless network

A system and method for providing promotional rewards is provided. First, a promotional reward is communicated to a customer. The promotional reward offer comprises a promotional reward associated with one or more promotional reward-earning behaviors and a promotional time frame. The offer may specify a customer population, and the customer may be enrolled in the promotional reward program if the customer is determined to be in the population. The customer is credited a promotional reward if the customer accomplishes the promotional reward-earning behavior(s) within the promotional time frame. The customer may also be enrolled in a base reward program. The promotional rewards and base rewards may be accumulated in a customer account. A system for implementing a promotional rewards program is also provided.

System and method for granting promotional rewards to credit account holders

A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.

Debit Purchasing of Stored Value Card for Use By And/Or Delivery to Others

A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card. This addition data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.

Multiple account advanced payment card and method of routing card transactions

The invention relates to a method and process by which an existing and large network of devices can be used by consumers to authenticate themselves, and permits each consumer to apply any of the various payments mechanisms available to him. The existing broadly distributed network is active and passive radio frequency identification (“RFID”) devices held by consumers. Various types of accounts are linked to devices and allow users to perform various purchase transactions, as well as non-financial transactions.

System and process for performing purchase transactions using tokens

An identity security system ( 10 ) that reduces the likelihood of identity theft and fraud includes a central system ( 12 ) and a portable wireless device ( 15 ). The central system ( 12 ) stores personal data of a party including information regarding one or more payment cards of the party, one or more bank accounts of the party, driver license data of the party, and/or other identification data of the party. The wireless device ( 15 ) electronically connects to the central system ( 12 ). With the present system, using the wireless device ( 15 ), the party can pay for a transaction using the one or more of the payment cards, cause funds to be transferred to or from the bank accounts and/or provide identifying data if necessary.

Method and apparatus for an integrated identity security and payment system

A payment system for restaurant industry that facilitates efficient payment using a bankcard for a meal in a restaurant and also without providing personal sensitive data from bankcards to employees/waiters of the restaurant The payment system includes a central system, a portable wireless device, a card processor and a merchant system and a bill with a service code that identifies the merchant, the table and the server

Method and apparatus for restaurant payment system

An online subscription service system for subscription merchants that facilitates efficient payment from a subscription customer for a subscription described on a merchant web page, without providing personal sensitive data to employees of the merchant. The online subscription system includes a central system, a portable wireless device, a card processor and a merchant system and a web page with a service code that identifies the merchant and the particular service.

Tara Chand Singhal

Papers

Method and apparatus for an integrated identity security and payment system

Method and apparatus for restaurant payment system

Method and apparatus for an online subscription system