Is a
Patent attributes
Patent Jurisdiction
Patent Number
Date of Patent
July 21, 2009
Patent Application Number
11382647
Date Filed
May 10, 2006
Patent Citations Received
Patent Primary Examiner
Patent abstract
A payment instrument in the form of a cell phone is loaded with account information and activated as a payment instrument by reading account information from a nearby RFID device, and entering a user PIN or password. In one embodiment, the account information is read from an RFID tag provided to the user, and the password is entered on the phone keypad. In a second embodiment, the account information is read from an RFID device at an ATM or kiosk after the user inserts a card into a card reader at the ATM or kiosk and enters the password at the ATM or kiosk keypad.
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