SYSTEM AND METHOD FOR INCENTING PAYMENT USING RADIO FREQUENCY IDENTIFICATION IN CONTACT AND CONTACTLESS TRANSACTIONS

PROBLEM TO BE SOLVED: To provide a transponder-reader payment system enabling reporting of fob usage and credit card usage by a single file. SOLUTION: The transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may fur...

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Bibliographische Detailangaben
Hauptverfasser:	BERARDI MICHAEL J, SCHEDING KATHRYN D, BLIMAN MICHAL, MAYERS ALEXANDRA, BONALLE DAVID, SAUNDERS PETER D, SHAH SEJAL AJIT, HOOD MATTHEW C, PERRY TREVOR J, WILLIAMSON JOHN R, ELWOOD JENNIFER A, ISENBERG SUSAN E, VONWALD KRISTIN L
Format:	Patent
Sprache:	eng
Schlagworte:	ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDEDFOR ELSEWHERE CALCULATING CHECKING-DEVICES COIN-FREED OR LIKE APPARATUS COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES ELECTRIC COMMUNICATION TECHNIQUE ELECTRICITY GENERATING RANDOM NUMBERS HANDLING RECORD CARRIERS PHYSICS PRESENTATION OF DATA RECOGNITION OF DATA RECORD CARRIERS REGISTERING OR INDICATING THE WORKING OF MACHINES REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR TIME OR ATTENDANCE REGISTERS TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHICCOMMUNICATION VOTING OR LOTTERY APPARATUS
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Beschreibung
Zusammenfassung:	PROBLEM TO BE SOLVED: To provide a transponder-reader payment system enabling reporting of fob usage and credit card usage by a single file. SOLUTION: The transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a payment device separate and distinct from the fob, but associated with payment account mutually shared with the fob. In exemplary operation, the fob identifying information, or the payment device information, may be presented to the RFID reader for completion of a transaction request. A process server may receive the transaction request and satisfy the transaction request in accordance with a predetermined payment criteria. The process server may additionally augment a rewards account based on fob or payment device usage, thereby incenting fob usage in one instance and payment device usage in the other. COPYRIGHT: (C)2007,JPO&INPIT