Is a
Patent attributes
Patent Jurisdiction
Patent Number
Patent Inventor Names
Sunil Dewan0
Wendy Humphrey0
Daniel J. Oswald0
Date of Patent
April 12, 2011
0Patent Application Number
123525170
Date Filed
January 12, 2009
0Patent 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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