Methods and systems for making a payment via a stored value card in a mobile environment

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United States of America Patent

PATENT NO 9911114
SERIAL NO

11428860

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Abstract

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Methods and systems for making a financial payment to a payee via a stored value (SV) card utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information. A user enters information via the mobile device identifying a payee and indicating a stored value card payment method. The mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a stored value card payment method. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a new stored value card and/or reload funds onto a pre-existing stored value card. The MFTS communicates the MFTS payment instruction to the payment instruction recipient, which arranges for payment to the identified payee by issuing a new stored value card or reloading funds onto a pre-existing stored value card.

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Patent Owner(s)

Patent OwnerAddress
QUALCOMM INCORPORATED5775 MOREHOUSE DRIVE SAN DIEGO CA 92121-1714

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Cochran, Kyle Leighton Mableton, US 12 3433
Porter, Warren Derek Atlanta, US 12 3542
Rackley,, III Brady Lee Atlanta, US 9 995
Rickman, Gregory Michael Atlanta, US 14 3544

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Maintenance Fees

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7.5 Year Payment $3600.00 $1800.00 $900.00 Sep 6, 2025
11.5 Year Payment $7400.00 $3700.00 $1850.00 Sep 6, 2029
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