(19) United States
`(12) Patent Application Publication (10) Pub. No.: US 2013/0030931 A1
`Moshfeghi
`(43) Pub. Date:
`Jan. 31, 2013
`
`US 2013 0030931A1
`
`(54) METHOD AND SYSTEM FOR LOCATION
`BASED HANDS-FREE PAYMENT
`
`(76) Inventor: Mehran Moshfeghi, Rancho Palos
`Verdes, CA (US)
`(21) Appl. No.: 13/422,823
`
`(22) Filed:
`
`Mar 16, 2012
`O
`O
`Related U.S. Application Data
`(60) Provisional application No. 61/511,963, filed on Jul.
`26, 2011.
`
`Publication Classification
`
`(51) Int. Cl.
`G06O20/32
`G06O20/40
`
`(2012.01)
`(2012.01)
`
`(2012.01)
`G06O20/20
`(2009.01)
`H04/24/00
`(52) U.S. Cl. ....................................... 705/16:455/456.3
`
`(57)
`ABSTRACT
`Certain aspects of a method and system for location based
`hands-free payment may include a network that comprises a
`plurality of mobile devices and a plurality of point of sale
`devices. A first mobile device may determine its location
`coordinates and communicate them to a selected point of sale
`device. An authorization to execute a payment transaction
`may be triggered on the first mobile device when it is within
`a defined proximity of the selected point of sale device. In
`another embodiment of the invention, a first point of sale
`device may determine the location coordinates of a selected
`mobile device and trigger a notification based on a generated
`geo-fence when the selected mobile device is within a defined
`proximity of the first point of sale device.
`
`
`
`
`
`RFID reader
`
`RFID reader
`
`RFID reader
`
`
`
`/
`
`Location module
`
`1106
`
`POS device
`
`1104.
`
`Petitioner Kiosoft Exhibit 1004
`1
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 1 of 19
`
`US 2013/0030931 A1
`
`
`
`Petitioner Kiosoft Exhibit 1004
`2
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 2 of 19
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`Petitioner Kiosoft Exhibit 1004
`3
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`

`Patent Application Publication
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`Jan. 31, 2013 Sheet 3 of 19
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`Petitioner Kiosoft Exhibit 1004
`4
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 4 of 19
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`
`Petitioner Kiosoft Exhibit 1004
`5
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 5 of 19
`
`US 2013/0030931 A1
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`
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`099
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`Petitioner Kiosoft Exhibit 1004
`6
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 6 of 19
`
`US 2013/0030931 A1
`
`4341 Y
`Satellite 1
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`4342n
`Satellite 2
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`4344
`4343N
`Satellite 3
`Satellite 4
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`(())
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`(())
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`
`404
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`4042
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`4043
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`4044
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`baseband
`406
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`WLAN
`baseband
`408
`
`Bluetooth
`baseband
`410
`
`WiMax
`baseband
`412
`
`Cellular
`baseband
`414
`
`402
`
`16
`
`Processor
`
`420
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`module .
`424
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`module
`418
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`database
`430
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`module
`432
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`
`Petitioner Kiosoft Exhibit 1004
`7
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 7 of 19
`
`US 2013/0030931 A1
`
`Start
`
`O2
`
`Acquire signals from all radio receivers of
`mobile device
`504
`y
`Extract parameters of all signals received from
`all of the mobile device's receivers
`
`
`
`
`
`
`
`Does mobile
`device process
`position
`alculations2
`508
`S7
`
`Mobile device accesses reference database of
`channel parameters
`510
`
`-
`
`Position module in mobile device uses
`interpolation and matching to determine the
`mobile device's position
`
`512
`
`mmMMmm-mm
`
`Position module filters the calculated location
`of the mobile device and sends the filtered
`position to the POS device
`514
`
`Mobile device uses the final position to
`determine whether it is within a defined geo-
`fence of the POS device
`524
`
`Mobile device transferS
`its channel parameters
`to a POS device Or
`SeWer
`516
`
`m
`
`POS device accesses
`reference database of
`channel parameters
`518
`
`Location module in POS
`device uses
`interpolation and
`matching to determine
`the mobile device's
`position
`520
`
`Location module filters
`the calculated location
`of the mobile device and
`sends the filtered
`- position to the mobile
`device
`522
`Paaaaaaa
`
`MMmm-W-m-m-mm End
`
`52
`
`Petitioner Kiosoft Exhibit 1004
`8
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 8 of 19
`
`US 2013/0030931 A1
`
`
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`
`Petitioner Kiosoft Exhibit 1004
`9
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 9 of 19
`
`US 2013/0030931 A1
`
`718 N.
`Satellite 1
`
`718,
`
`W
`
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`718,
`Satellite 3
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`i
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`9
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`engine
`710
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`702
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`navigation
`processor
`
`16
`
`FIG. 7
`
`GPS measurement
`engine
`712
`
`GPS navigation engine
`714.
`
`P, V, T
`
`Petitioner Kiosoft Exhibit 1004
`10
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 10 of 19
`
`US 2013/0030931 A1
`
`800
`
`NJCN
`From Satellites
`
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`From
`WLAN
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`measurement
`engine
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`engine
`y
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`WLAN assistance data ||
`decoder
`814a
`816aWLAN differential
`Correction data decoder
`WLAN 818aWLAN
`WLAN
`core H- measurement > navigation
`receiver
`engine
`engine
`810a--------------------
`812b
`From
`Cellular
`|
`AP
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`814b.
`decoder
`8140
`816bcellular differential
`correction data deCOder
`|
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`COe H measurement - navigation
`receiver
`engine818
`engine
`810b-7 -------------------
`81 2c- ------------------
`From
`RFID assistance data
`RFID
`decoder
`814C
`AP
`816c RFID differential
`correction data decoder
`
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`818c RFID
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`receiver
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`measurement > navigation
`COe
`engine
`engine
`receiver |
`810d.-------------------- w
`
`Petitioner Kiosoft Exhibit 1004
`11
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 11 of 19
`
`US 2013/0030931 A1
`
`Satellite 1.
`
`Satellite 2
`
`Satellite 3
`
`Satellite 4
`
`900
`
`NSN,
`
`916 is
`
`2.
`
`Store security
`gate with focused
`beam 60GHz
`position reference
`
`Communicator
`
`POS device
`
`918 Cell tower 2
`
`
`
`
`
`
`
`920
`RFID position
`reference tag
`
`FIG. 9
`
`Petitioner Kiosoft Exhibit 1004
`12
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 12 of 19
`
`US 2013/0030931 A1
`
`Mobile device is within a defined
`proximity of a plurality of position
`reference devices 1004
`
`Mobile device receives
`assistance data from the plurality
`of position reference devices
`1 OO6
`
`Mobile device Combines the
`received assistance data from
`the plurality of position reference
`devices
`1008
`
`Mobile device recalibrates its
`location coordinates for each
`positioning method 1010
`
`Mobile device determines its
`location coordinates based on a
`weighted combination of all the
`positioning methods 1012
`
`Mobile device uses the final
`position to determine whether it
`is within a defined geo-fence of
`the POS device 104
`
`Petitioner Kiosoft Exhibit 1004
`13
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 13 of 19
`
`US 2013/0030931 A1
`
`
`
`s
`
`N 2
`
`o
`so
`d
`
`s
`
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`
`s
`
`
`
`mm. m M
`
`M M m MM M M MM mM
`
`Petitioner Kiosoft Exhibit 1004
`14
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 14 of 19
`
`US 2013/0030931 A1
`
`
`
`
`
`
`
`
`
`RFID reader
`
`Backscattering circuits
`1204
`
`Position parameter
`measurement unit
`1212
`
`Communication unit
`
`POS device
`
`FIG. 12
`
`Petitioner Kiosoft Exhibit 1004
`15
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 15 of 19
`
`US 2013/0030931 A1
`
`
`
`w
`Mobile device
`
`Position
`parameter
`measurement
`unit 1316
`
`Location
`module
`
`Position
`processor
`1320
`
`Mapping
`processor
`1322
`1318
`
`Backscattering
`
`circuits
`
`Mapping
`data
`1326
`
`Communication unit
`
`132
`
`POS device
`
`FIG. 13
`
`Petitioner Kiosoft Exhibit 1004
`16
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 16 of 19
`
`US 2013/0030931 A1
`
`
`
`
`
`
`
`
`
`Petitioner Kiosoft Exhibit 1004
`17
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 17 of 19
`
`US 2013/0030931 A1
`
`Start
`1502
`
`Mobile device Communicates a
`plurality of pilot tones to a
`plurality of electronic devices at
`KnOWn locations
`1504
`
`Each of the plurality of electronic
`devices receives and extracts
`the pilot tones
`
`1506
`
`Each of the plurality of electronic
`devices communicates pilot tone
`pair phase differences,
`amplitude of pilot tones and its
`location Coordinates to a location
`module in a POS device
`1508
`
`Location module processes the
`received pilot tone pair phase
`differences, amplitude of pilot
`tones, and location Coordinates
`of each electronic device to
`determine location coordinates
`of mobile device 1510
`
`POS device determines. Whether
`the mobile device is within a
`defined geo-fence based on the
`determined location Coordinates
`of the mobile device 1512
`
`Petitioner Kiosoft Exhibit 1004
`18
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 18 of 19
`
`US 2013/0030931 A1
`
`Start
`1602
`
`A POS device in a store may display a map of the
`store or a defined geo-fence around the POS device
`1604
`
`A user With a mobile device enters the store or the
`defined geo-fence around the POS device
`
`160
`
`The POS device determines the location coordinates
`of the mobile device
`
`1608
`
`A notification is triggered on the display of the POS
`device
`O
`161
`
`The POS device tracks the mobile device While it is
`within the defined geo-fence
`
`161
`
`. The POS device receives an authorization to execute a
`payment transaction when the mobile device is ready
`to check out and within the defined geo-fence
`161
`
`The POS device executes the payment transaction
`when the mobile device is within the defined geo-fence
`1616
`
`End 18
`FIG. 16A
`
`Petitioner Kiosoft Exhibit 1004
`19
`
`

`

`Patent Application Publication
`
`Jan. 31, 2013 Sheet 19 of 19
`
`US 2013/0030931 A1
`
`A POS device in a store may display a map of the
`store or a defined geo-fence around the POS device
`1654
`
`A user With a mobile device enters the Store Or the
`defined geo-fence around the POS device
`
`165
`
`The mobile device may determine its location
`coordinates and communicate them to the POS de:
`
`A notification is triggered on the display of the mobile
`device indicating its presence within a defined geo
`fence of a POS device
`1660
`
`The mobile device triggers an authorization to execute
`a payment transaction when the mobile device is ready
`to check out and within the defined geo-fence
`1662
`
`The POS device receives an authorization to execute a
`payment transaction when the mobile device is ready
`to check out and within the defined geo-fence
`and executes the payment transaction when the
`mobile device is within the defined geo-fence 166
`
`End
`1666
`
`F.G. 16B
`
`Petitioner Kiosoft Exhibit 1004
`20
`
`

`

`US 2013/0030931 A1
`
`Jan. 31, 2013
`
`METHOD AND SYSTEM FOR LOCATION
`BASED HANDS-FREE PAYMENT
`
`CROSS-REFERENCE TO RELATED
`APPLICATIONS/INCORPORATION BY
`REFERENCE
`0001. This patent application makes reference to, claims
`priority to and claims benefit from U.S. Provisional Patent
`Application Ser. No. 61/511,963 filed on Jul. 26, 2011.
`0002 This application also makes reference to:
`0003 U.S. application Ser. No.
`(Attorney Docket
`No. 25003US01), which is filed on even date herewith:
`0004 U.S. application Ser. No. 12/852,443 filed Aug. 6,
`2010;
`0005 U.S. application Ser. No. 12/833,938 filed Jul. 9,
`2010;
`0006 U.S. application Ser. No. 1 1/940.219 filed Nov. 14,
`2007;
`0007 U.S. application Ser. No. 12/852,446 filed Aug. 6,
`2010;
`0008 U.S. application Ser. No. 1 1/641,624 filed Dec. 18,
`2006; and
`0009 U.S. application Ser. No. 12/843,868 filed Jul. 6,
`2010.
`00.10 Each of the above stated applications is hereby
`incorporated herein by reference in its entirety.
`
`FIELD OF THE INVENTION
`Certain embodiments of the invention relate to elec
`0.011
`tronic payment transaction systems. More specifically, cer
`tain embodiments of the invention relate to a method and
`system for location based hands-free payment.
`
`BACKGROUND OF THE INVENTION
`0012. The proliferation of mobile devices such as smart
`phones, netbooks and tablet computers has led to a growing
`need to obtain accurate location information of such devices.
`Wireless positioning may involve obtaining wireless signals
`and processing the signals into a location estimate. The typi
`cal information used for positioning, such as Global Position
`ing System (GPS) signals, may be processed to find the posi
`tion of a wireless device. For example, triangulation may be
`used where multiple range or angle measurements from
`known positions are used to calculate the position of a device.
`0013. One of the sources of errors in wireless positioning
`is multipath propagation. Multipath propagation occurs when
`a signal takes different paths when propagating from a source
`to a destination receiver. While the signal is traveling, objects
`get in the way and may cause the signal to bounce in different
`directions before getting to the receiver. As a result, some of
`the signals may be delayed and travel along longer paths to the
`receiver. In other instances, there may be no direct line of
`sight because an object is completely blocking the signal and
`any received signals occur only due to multipath propagation.
`These effects may cause errors in GPS data. The computed
`position of the device using common techniques such as
`triangulation may accordingly be incorrect.
`0014. The location-aware systems may differ in terms of
`accuracy, coverage, cost of installation, and maintenance of
`the systems. The GPS systems may use satellite signals and
`work in outdoor environments. However, they require direct
`line of sight and do not work well in an indoor environment.
`Cell tower triangulation is another method that uses signals
`
`from cellular towers to locate a wireless user. This method
`may also be limited in accuracy and reliability because of the
`coarse number of cell towers from a particular service pro
`vider that a mobile user can communicate with, as well as
`multipath issues.
`0015 Systems have been developed in the past that use the
`strength of wireless access point beacon signals in an outdoor
`environment to calculate the position of a mobile user. One
`technique is to create a database of wireless beacons and use
`that information together with the amplitude of beacons sig
`nals received by a mobile device to compute the location of
`the mobile device. Other techniques use radio frequency (RF)
`wireless signal strength information and triangulation to
`locate objects in an indoor environment. However, these
`methods provide poor indoor positioning accuracy because
`RF signal amplitude is greatly affected by metal objects,
`reflective surfaces, multipath, dead-spots, noise and interfer
`CCC.
`0016. Other methods use time of arrival information of
`cellular RF signals and cell tower triangulation to determine
`a coarse radio-based position and then use that information to
`assist a GPS system to determine the GPS-based position.
`Cell tower triangulation may be limited in accuracy and reli
`ability because of the coarse number of cell towers and mul
`tipath issues. Also, these methods may require the presence of
`a GPS signal and a GPS time reference for measuring time of
`arrival of cellular RF signals. This approach may not work in
`indoor situations where GPS signals are weak or not present.
`These methods also require time synchronization and prior
`knowledge of the position of cellular base-stations. Other
`methods have also used cellular tower triangulation to deter
`mine a coarse pre-fix position and use that to assist a GPS
`system to determine the GPS-based position.
`0017. Further limitations and disadvantages of conven
`tional and traditional approaches will become apparent to one
`of skill in the art, through comparison of Such systems with
`Some aspects of the present invention as set forth in the
`remainder of the present application with reference to the
`drawings.
`
`BRIEF SUMMARY OF THE INVENTION
`0018. A system and/or method is provided for location
`based hands-free payment, Substantially as shown in and/or
`described in connection with at least one of the figures, as set
`forth more completely in the claims.
`0019. These and other features and advantages of the
`present invention may be appreciated from a review of the
`following detailed description of the present invention, along
`with the accompanying figures in which like reference
`numerals refer to like parts throughout.
`
`BRIEF DESCRIPTION OF SEVERAL VIEWS OF
`THE DRAWINGS
`0020 FIG. 1A is a block diagram of an exemplary network
`comprising one or more mobile devices and a computing
`device with a defined geo-fence, in accordance with an
`embodiment of the invention.
`0021 FIG.1B is a block diagram of an exemplary network
`comprising one or more mobile devices and a point of sale
`device, in accordance with an embodiment of the invention.
`0022 FIG. 2 is a block diagram of an exemplary POS
`device, in accordance with an embodiment of the invention.
`
`Petitioner Kiosoft Exhibit 1004
`21
`
`

`

`US 2013/0030931 A1
`
`Jan. 31, 2013
`
`0023 FIG. 3A is a diagram of an exemplary display show
`ing a schematic map indicating defined geo-fences and a
`location of one or more mobile devices within the defined
`geo-fences, in accordance with an embodiment of the inven
`tion.
`0024 FIG. 3B is a diagram of another exemplary display
`indicating a location of one or more registered mobile devices
`ona Schematic map, inaccordance with an embodiment of the
`invention.
`0025 FIG. 4 is an exemplary block diagram illustrating
`determination of a location of a mobile device based on
`receiving multipath signals, in accordance with an embodi
`ment of the invention.
`0026 FIG. 5 is an exemplary flow chart illustrating exem
`plary steps for determination of a location of a mobile device
`based on receiving multipath signals, in accordance with an
`embodiment of the invention.
`0027 FIG. 6 is an exemplary block diagram illustrating
`determination of a location of a mobile device based on
`received signals with known radio transmission patterns, in
`accordance with an embodiment of the invention.
`0028 FIG. 7 is an exemplary block diagram of a combined
`GPS and wireless positioning system, in accordance with an
`embodiment of the invention.
`0029 FIG. 8 is another exemplary block diagram of a
`combined GPS and wireless positioning system, in accor
`dance with an embodiment of the invention.
`0030 FIG. 9 is an exemplary diagram illustrating deter
`mination of a location of a mobile device based on receiving
`positioning assistance data using short range wireless com
`munication protocols, in accordance with an embodiment of
`the invention.
`0031
`FIG. 10 is an exemplary flow chart illustrating
`exemplary steps for determination of a location of a mobile
`device based on receiving positioning assistance data using
`short range wireless communication protocols, in accordance
`with an embodiment of the invention.
`0032 FIG. 11 is an exemplary block diagram of a RFID
`location system, in accordance with an embodiment of the
`invention.
`0033 FIG. 12 is an exemplary block diagram of a RFID
`reader, in accordance with an embodiment of the invention.
`0034 FIG. 13 is an exemplary block diagram of a mobile
`device with a RFID tag, in accordance with an embodiment of
`the invention.
`0035 FIG. 14 is an exemplary block diagram illustrating
`determination of a location of a mobile device based on
`measured phase differences and corresponding frequency
`differences, in accordance with an embodiment of the inven
`tion.
`0036 FIG. 15 is an exemplary flow chart illustrating
`exemplary steps for determination of a location of a mobile
`device based on measured phase differences and correspond
`ing frequency differences, in accordance with an embodiment
`of the invention.
`0037 FIG. 16A is an exemplary flow chart illustrating
`exemplary steps for determination of a location of a mobile
`device by a POS device, in accordance with an embodiment
`of the invention.
`0038 FIG. 16B is an exemplary flow chart illustrating
`exemplary steps for determination of a location of a mobile
`device, in accordance with an embodiment of the invention.
`
`DETAILED DESCRIPTION OF THE INVENTION
`0039. Certain embodiments of the invention may be found
`in a system and/or method for location based hands-free
`payment. Exemplary aspects of the invention may comprise a
`network that comprises a plurality of mobile devices and a
`plurality of point of sale devices. A first mobile device may
`determine its location coordinates and communicate them to
`a selected point of sale device. An authorization to execute a
`payment transaction may be triggered on the first mobile
`device when it is within a defined proximity of the selected
`point of sale device. In another embodiment of the invention,
`a first point of sale device may determine the location coor
`dinates of a selected mobile device and trigger a notification
`based on a generated geo-fence when the selected mobile
`device is within a defined proximity of the first point of sale
`device.
`0040 FIG. 1A is a block diagram of an exemplary network
`comprising one or more mobile devices and a computing
`device with a defined geo-fence, in accordance with an
`embodiment of the invention. Referring to FIG. 1A, there is
`shown a network 100. The network 100 may comprise a
`computing device 102, a defined geo-fence 112 around the
`computing device 102, a server 114, and a plurality of mobile
`devices 104,106, 108, and 110. The geo-fence 112 may be a
`virtually fenced-off geographic location. The geo-fence 112
`around the computing device 102 may be defined as any
`regular or irregular polygonal shape and may be dynamically
`modified. In accordance with an embodiment, the computing
`device 102 may be enabled to define the geo-fence 112 to
`include a circle with a defined center and a defined radius on
`a map, or a rectangular area, or a polygon, for example. The
`computing device 102 may be operable to allow a user to drag
`and move the geo-fence 112. Alternatively, the mobile device
`106 with positioning capability may be moved around to
`different locations on the desired geo-fence boundary to
`define the geo-fence 112, for example. In one embodiment of
`the invention, the defined geo-fence 112 may indicate a
`boundary of a store within a shopping mall or a food court, for
`example. In another embodiment of the invention, the defined
`geo-fence 112 may indicate a boundary of a particular depart
`ment within a store or a restaurant, or a building, or a defined
`outdoor area, for example. In another embodiment, the geo
`fence 112 may be a three-dimensional shape that may enclose
`a Volume. For example, a geo-fence for a business that has
`multiple floor levels may include multiple floors, where there
`are a plurality of computing devices 102 on each floor and the
`calculated position of the mobile device 106 may also deter
`mine which floor it is on. Some examples of three dimen
`sional geo-fence shapes may include a rectangular prism,
`triangular prism, pentagonal prism, octagonal prism, polyhe
`dron, pyramids, sphere, cube, and/or a cylinder, for example.
`0041. The computing device 102 may comprise suitable
`logic, circuitry, interfaces, and/or code that may be operable
`to perform various operations. In one embodiment of the
`invention, the computing device 102 may comprise a com
`puter, monitor, cash drawer, receipt printer, customer display,
`a barcode scanner, a debit and/or credit card reader, and one or
`more application-specific programs and input/output (I/O)
`devices for a particular environment in which it may serve. In
`another embodiment of the invention, the computing device
`102 may also comprise a weight scale, a global positioning
`system (GPS), an integrated credit card processing system, a
`signature capture device and/or a customer pin pad device.
`The computing device 102 may use touch-screen technology
`
`Petitioner Kiosoft Exhibit 1004
`22
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`US 2013/0030931 A1
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`Jan. 31, 2013
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`for ease of use and a computer may be built into its display to
`liberate counter space for a retailer. The computing device
`102 may also use RFID readers for instances where the prod
`ucts use RFID tags instead of barcodes.
`0042 Each of the plurality of mobile devices 104, 106,
`108, and 110 may comprise suitable logic, circuitry, inter
`faces, and/or code that may be operable to communicate
`utilizing one or more communication standards. In this
`regard, the plurality of mobile devices 104,106, 108, and 110
`may each be operable to transmit and/or receive data via
`Wireless Local Area Network (WLAN), Bluetooth, WiMax,
`HD Radio, Ultra-wideband (UWB), GPS, cellular, near field
`communication (NFC), and/or 60 GHz standards. Exemplary
`mobile devices may comprise laptop computers, tablet com
`puters, mobile phones, personal digital assistants, personal
`media players, gaming devices, image and/or video cameras,
`for example. The plurality of mobile devices 104,106, 108,
`and 110 may be operable to receive, process, and present
`multimedia content and may additionally be enabled to run a
`network browser or other applications for providing Internet
`services to a user of the mobile device. In accordance with an
`embodiment of the invention, the plurality of mobile devices
`104, 106, 108, and 110 may comprise one or more applica
`tion-specific programs for electronic payment transactions.
`0043. In operation, a user of a mobile device, for example,
`mobile device 106, may enter a store or a defined geo-fence
`around the computing device 102. The mobile device 106
`may be operable to determine its location coordinates based
`on one or more positioning methods as detailed below with
`respect to, for example, FIGS. 4-15. The mobile device 106
`may be operable to communicate its determined location
`coordinates to a server 114.
`0044) The server 114 may comprise suitable logic, cir
`cuitry, interfaces, and/or code that may be operable to receive
`the determined location coordinates of ne or more of the
`plurality of mobile devices 104,106, 108, and 110. The server
`114 may be operable to determine whether any of the plurality
`of mobile devices 104,106, 108, and 110 are within a defined
`geo-fence 112 of the computing device 102. The server 114
`may be operable to communicate the determined location
`coordinates of one or more of the plurality of mobile devices
`104,106, 108, and 110 that are within the defined geo-fence
`112 of the computing device 102.
`0045. In instances where the mobile device 106 is within
`the defined geo-fence 112 of the computing device 102, a
`notification may be triggered on the computing device 102
`indicating the presence of the mobile device 106 within a
`defined proximity of the computing device 102. The user with
`the mobile device 106 may choose to purchase one or more
`items within the store or the defined geo-fence 112. The
`computing device 102 may triggeran authorization request to
`execute a payment transaction based on the one or more items
`chosen to be purchased when the mobile device 106 is within
`the defined geo-fence 112. The mobile device 106 may trigger
`an authorization response to execute the payment transaction
`when the mobile device 106 is within the defined geo-fence
`112. In accordance with an embodiment of the invention, the
`user with the mobile device 106 may be able to execute the
`payment transaction without physically using or Swiping a
`credit or debit card, or without physically tapping or holding
`the mobile device near the computing device 102.
`0046. In accordance with another embodiment, when a
`user of a mobile device, for example, mobile device 106, may
`enter or leave a geo-fence 112, one or more software down
`
`loads and upgrades may be downloaded on to the mobile
`device 106. For example, when mobile device 106 enters the
`geo-fence 112 of a mall an interactive map of the mall with
`deal advertisements may be downloaded on to the mobile
`device 106. In another embodiment, when a user of a mobile
`device 106 may enter or leave a geo-fence 112, the sound of
`the mobile device 106 may be turned on or switched off, or a
`volume of the mobile device 106 may be turned higher or
`lower. For example, when the mobile device 106 enters the
`geo-fence 112 of a library or a movie theater, the sound of the
`mobile device 106 may be turned off. In another embodiment,
`when a user of a mobile device 106 may enter or leave a
`geo-fence 112, the mobile device 106 may be powered down
`or enter a sleep mode or powered up or activated, for example.
`0047. In another embodiment, calendar reminders may be
`linked to the location of a geo-fence 112, location-based
`reminders may be created, a reminder may be sent with an
`email, SMS, vibration, voice, or facsimile (FAX) when a
`mobile device 106 enters or leaves the geo-fence 112. For
`example, when the user enters a shopping mall, a shopping
`list reminder may be sent to the mobile device 106. In another
`embodiment, the actions of a user with the mobile device 106
`may be monitored and data-mined when they enter or leave a
`geo-fence 112. For example, when a user enters a geo-fence
`112 that marks the boundary of a store, a software or web
`service may monitor the actions of that user in terms of the
`amount of time they spend at certain store areas and which
`products they show the most interestin. This information may
`then be used to present them with personalized deal adver
`tisements on their mobile device 106, on electronic billboards
`and displays near them, or send them conventional mail mar
`keting material.
`0048. In another embodiment, when a user of a mobile
`device 106 may enter or leave a geo-fence 112, an email,
`SMS, vibration, voice, and/or FAX alert may be communi
`cated to the mobile device 106 or to another device such as the
`mobile device 110. In another embodiment, when a user of a
`mobile device 106 may enter or leave a geo-fence 112, the
`user interface and functionality of a location-based applica
`tion or a game may be changed so that it has a different look
`and feel with corresponding menus. For example, a location
`based R-rated game on the mobile device 106 may switch to
`the functionality of a less violent home edition when the
`mobile device 106 enters the geo-fence 112 of the mobile
`device 106 user's home, and may switch back to the full
`version once the mobile device 106 leaves the geo-fence 112.
`In another embodiment, a location-based application may be
`disabled or enabled when a user of the mobile device 106
`enters or leaves the geo-fence 112. For example, a kid may not
`be able to play games on the mobile device 106 when the
`mobile device 106 is within a defined geo-fence, such as, a
`School, a library, and/or a home. In another embodiment, the
`Internet connectivity of the mobile device 106 may be loca
`tion-based and may be dynamically modified when inside a
`geo-fence 112, for example, using Wi-Fi for Internet connec
`tivity within a home oran office, and using a cellular data plan
`for Internet connectivity outside the geo-fence 112. In
`another embodiment, the network security settings of a
`mobile device 106 may be dynamically modified based on the
`location of the mobile device 106 within or outside the geo
`fence 112. For example, for an office or home wireless net
`work, only users inside a geo-fence 112 may be allowed to
`connect to the network and outside users may be denied
`aCCCSS,
`
`Petitioner Kiosoft Exhibit 1004
`23
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`US 2013/0030931 A1
`
`Jan. 31, 2013
`
`0049. In another embodiment, a software application on
`the mobile device 106 may be location-based and may start
`running and perform certain functions when the mobile
`device 106 enters or leaves the geo-fence 112. For example,
`when a user enters a geo-fence 112 around his/her home,
`his/her mobile device 106 may send an alert to software
`applications that run on the mobile device 106 or on a differ
`ent networked computer.