Method and system for wireless and credit card transactions

Registers – Systems controlled by data bearing records – Credit or identification card systems

Reexamination Certificate

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Details

C235S375000, C235S382000, C235S382500, C235S451000, C235S487000, C235S492000, C705S039000, C705S044000, C455S310000, C455S311000, C455S406000, C455S558000

Reexamination Certificate

active

07637425

ABSTRACT:
A method (10) and system (50or200) of using a credit card media type (54) integrated with a wireless communication device (52) can include determining (12) that the wireless communication device is inoperable for use in a commercial transaction and enabling (14) the use and authorization of the credit card media type with a predetermined restriction profile that is more restrictive than when the credit card media type is used with the wireless communication device when operable. The method can lower (16) the payment authorization amount or limit a type of item that is purchased to a predefined type based on a remote network being unable to communicate with the wireless communication device. The method can also remove (18) the credit card media type from the communication device and enable the use and authorization of the credit card media type with the predetermined restriction profile.

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Bank of America, “Mini Card”, 2 pages article. http://www.bankofamerica.com/creditcards/index.cfm?template=cc—features—minicard&state=IT#top, web site last visited Apr. 20, 2007.
Patent Cooperation Treaty, “International Search Report and Written Opinion”, ISA/EP, by Officer Bart Wolles in PCT Application No. PCT/US2007/081107; Document of 10 pages dated May 8, 2008.

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