Registers – Systems controlled by data bearing records – Banking systems
Reexamination Certificate
2011-04-12
2011-04-12
St.Cyr, Daniel (Department: 2876)
Registers
Systems controlled by data bearing records
Banking systems
C235S380000
Reexamination Certificate
active
07922077
ABSTRACT:
A payment instrument in the form of a cell phone is loaded with account information and activated as a payment instrument by reading account information from a nearby RFID device, and entering a user PIN or password. In one embodiment, the account information is read from an RFID tag provided to the user, and the password is entered on the phone keypad. In a second embodiment, the account information is read from an RFID device at an ATM or kiosk after the user inserts a card into a card reader at the ATM or kiosk and enters the password at the ATM or kiosk keypad.
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Dewan Sunil
Humphrey Wendy
Oswald Daniel J.
First Data Corporation
Kilpatrick Townsend & Stockton LLP
St.Cyr Daniel
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