Method and system for performing a retail transaction using a wireless device

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United States of America Patent

APP PUB NO 20050177442A1
SERIAL NO

10754427

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Abstract

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A method and system for performing retail transactions allows use of a wireless device in lieu of conventional financial cards. A retail system sends customer-independent transaction data, which is matched with a customer account associated with a wireless device. A customer sends a wireless communication from a wireless device to a server. The server identifies the wireless device and identifies a customer account associated with the wireless device. The customer account and the customer-independent transaction data are matched together, authorizing the retail transaction. When multiple retail transactions occur within a short time, a matching technique scores matches between multiple retail transactions and multiple customer-initiated wireless communications.

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Patent Owner(s)

Patent OwnerAddress
BREAD FINANCIAL PAYMENTS INC3095 LOYALTY CIRCLE COLUMBUS OH 43219

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Hall, Doug Newtown, OH 3 107
Jennings, Kevin Columbus, OH 31 945
Stamp, Jeffrey Cincinnati, OH 7 126
Sullivan, James B Dublin, OH 16 764

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