SYSTEM AND METHOD FOR MOTIVATING PAYMENT BY USING RADIO FREQUENCY IDENTIFICATION IN CONTACT AND NON-CONTACT TRANSACTION

PROBLEM TO BE SOLVED: To provide a transponder/reader payment system.SOLUTION: A transponder/reader payment system 100A includes a fob 102 including a transponder 114 and an RFID reader 104 for interrogating the transponder. This system further includes a payment device associated with a payment acc...

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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
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Zusammenfassung:PROBLEM TO BE SOLVED: To provide a transponder/reader payment system.SOLUTION: A transponder/reader payment system 100A includes a fob 102 including a transponder 114 and an RFID reader 104 for interrogating the transponder. This system further includes a payment device associated with a payment account to be shared with the fob although it is separated from the fob. In an illustrative operation, fob identification information or payment device information is presented to the RFID reader for completing a transaction request. A process server receives a transaction request, and responds to the transaction request in accordance with a predetermined payment reference. The process server further reinforces an acquisition point account on the basis of the use of the fob or the payment device, and stimulates the use of the fob in one case, and stimulates the use of the payment device in the other case.