System and method for utilizing a mobile device to obtain a...

Details System and method for utilizing a mobile device to obtain a... System and method for utilizing a mobile device to obtain a...

2006-09-19

2009-12-22

St.Cyr, Daniel (Department: 2876)

Registers

Systems controlled by data bearing records

Banking systems

C235S380000

Reexamination Certificate

active

07635083

ABSTRACT:
The balance of funds remaining for a stored-value card (“SVC”) may easily be determined without going through an actual purchase transaction with the SVC. The balance is obtained wirelessly from a server storing information pertaining to SVCs, and may be provided in a discreet manner. A card reader adds a card security code to a card number read from the SVC, and encrypts the card number and the CSC. The encrypted information is wirelessly sent to a cellular telephone. The cellular telephone decrypts the encrypted information and wirelessly transmits a balance-information request, which includes the card number and the CSC, to the server. The server receives the request and wirelessly sends the requested balance information to the cellular telephone and, in turn, the cellular telephone wirelessly sends the requested balance information to the card reader, which provides the information to the requester.

REFERENCES:
patent: 2003/0211863 (2003-11-01), Neifer
patent: 2004/0058705 (2004-03-01), Morgan et al.
patent: 2004/0121789 (2004-06-01), Lindsey

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