Smartglasses-to-smartglasses payment systems

Abstract

Methods for smartglasses-to-smartglasses payment systems is provided. Methods include receiving a transfer of funds initiation at a first smartglasses. The transfer of funds initiation may include an identifier, an amount and a personal identification number (“PIN”). Methods include transmitting the transfer of funds initiation from the first smartglasses to a second smartglasses. Methods may include receiving a notification on the second smartglasses. The notification may include a first smartglasses telephone number and the transfer of funds initiation. Methods may include transmitting a transfer of funds request from the second smartglasses to an entity. The transfer of funds request may include the first smartglasses telephone number, the transfer of funds initiation and the second smartglasses telephone number. Methods may include retrieving a first account and a second account from the entity. Methods may include transferring funds from the first account to the second account.

Claims

1. A smartglasses device comprising: a plurality of hardware components comprising: a microprocessor, said microprocessor operable to initiate a transaction; a memory having stored thereon a plurality of software components, the plurality of software components comprising: a digital number pad; an information controller module; a near field communication (“NFC”) controller module; a wireless controller module; a telephone number to account number resolver module; and an amount and personal identification number (“PIN”) verification module; a display, said display operable to display software displays as instructed by the microprocessor; a battery, said battery operable to power the display and the microprocessor; a nano wireless network interface card, said nano wireless network interface card for establishing communication with a wireless network; and an active NFC reader, said active NFC reader operable to: detect one or more other smartglasses devices within a predetermined proximity to the smartglasses device; and establish communication with the one or more other smartglasses devices; wherein the microprocessor, upon execution of the plurality of software components, is further operable to: display, via the digital number pad, numerical digital software selections to a user; receive, via the digital number pad, numerical input of a transaction amount and a PIN from the user; capture, via the information controller module from the digital number pad: the transaction amount; and the PIN; activate, via the NFC controller module, NFC communication via the active NFC reader; communicate, via the NFC controller module, with a second smartglasses device, the communication with the second smartglasses device comprising a request for a second smartglasses mobile telephone number; receive, via the NFC controller module, the second smartglasses mobile telephone number from the second smartglasses device; communicate, via the NFC controller module, the second smartglasses mobile telephone number to the telephone number to account number resolver module; receive, via the NFC controller module, from the information controller module: the transaction amount; and the PIN; transmit, via the NFC controller module, to a wireless controller module: the transaction amount; and the PIN; interface, via the wireless controller module, between the nano wireless network interface card and an external Wi-Fi device, said external Wi-Fi device included in the wireless network; transmit, via the wireless controller module over the wireless network, the transaction amount and the PIN to an external entity; communicate, via the telephone number to account number resolver module, with the external entity and/or an internal storage location to identify an account number associated with the second smartglasses mobile telephone number; and verify, via the amount and PIN verification module, the transaction amount and the PIN with the external entity.

2. The smartglasses device of claim 1, wherein the external Wi-Fi device is within proximity to the smartglasses device to communicate with the smartglasses device.

3. The smartglasses device of claim 1, wherein the microprocessor is further operable to: generate a transaction request, said transaction comprising an account number associated with the smartglasses device, the transaction amount, the PIN and the account number associated with the second smartglasses mobile telephone number; and transmit the generated transaction request to the external entity.

4. The smartglasses device of claim 3, wherein the transaction request is a transfer of funds instruction.

5. The smartglasses device of claim 4, wherein a benefactor account of the transaction request is an account number associated with the smartglasses device.

6. The smartglasses device of claim 4, wherein a beneficiary account of the transaction request is the account number associated with the second smartglasses mobile telephone number.

7. The smartglasses device of claim 3, wherein, upon completion of the transaction request at the external entity, the external entity transmits confirmation of completion of the transaction request to the smartglasses device and the second smartglasses device.

Description

BRIEF DESCRIPTION OF THE DRAWINGS

(1) The objects and advantages of the invention will be apparent upon consideration of the following detailed description, taken in conjunction with the accompanying drawings, in which like reference characters refer to like parts throughout, and in which:

(2) FIG. 1 shows an illustrative diagram in accordance with principles of the disclosure;

(3) FIG. 2 shows another illustrative diagram in accordance with principles of the disclosure;

(4) FIG. 3 shows yet another illustrative diagram in accordance with principles of the disclosure;

(5) FIG. 4 shows still another illustrative diagram in accordance with principles of the disclosure; and

(6) FIG. 5 shows still yet another illustrative diagram in accordance with principles of the disclosure.

DETAILED DESCRIPTION OF THE DISCLOSURE

(7) Apparatus and methods for smartglasses-to-smartglasses payment systems is provided.

(8) A smartglasses device may include a plurality of hardware components. The hardware components may include a glasses frame. The glasses frame may enable the smartglasses to rest on a wearer's face. The hardware components may also include glasses lenses. The glasses lenses may correct the vision of the wearer.

(9) The hardware components may also include a microprocessor. The microprocessor may be operable to initiate a transaction.

(10) The hardware components may also include a display. The display may display software displays. The microprocessor may instruct the display regarding the software displays.

(11) The hardware components may also include a battery. The battery may power the display and/or the microprocessor.

(12) The hardware components may also include a nano wireless network interface card (“NIC”). The nano wireless NIC may establish communication with a wireless network.

(13) The hardware components may also include an active NFC reader. The active NFC reader may detect one or more other smartglasses device within a predetermined proximity to the smartglasses device. The active NFC reader may establish communication with the one or more other smartglasses device.

(14) The smartglasses device may also include a plurality of software components.

(15) The plurality of software components may include a digital number pad. The digital number pad may display numerical digital software selections to the user. The digital number pad may also receive numerical input from the user.

(16) The plurality of software components may also include an information controller module. The information controller module may capture data via the digital number pad. The captured data may include a transaction amount and/or a PIN. As such, the received numerical input may correspond to the transaction amount and/or the PIN.

(17) The plurality of software components may also include an NFC controller module. The NFC controller module may operate as the software for the active NFC reader. As such, the NFC controller module may activate NFC communication via the NFC reader.

(18) The NFC controller module may also send and/or receive user data, payment data and/or authentication data. As such, the NFC controller module may receive the captured data from the information controller module. The captured data may include the transaction amount and/or the PIN. The NFC controller module may transmit the captured data to a wireless controller module.

(19) The NFC controller module may communicate with the one or more other smartglasses devices. Therefore, the NFC controller module may communicate with a second smartglasses device. The second smartglasses device may be included in the one or more other smartglasses devices. The communication from the smartglasses device to the second smartglasses device may include a request for a second smartglasses mobile telephone number.

(20) The NFC controller module may receive the second smartglasses mobile telephone number from the second smartglasses device.

(21) The plurality of software components may also include the wireless controller module. The wireless controller module may interface between the nano wireless NIC and an external Wi-Fi device. The external Wi-Fi device may be included in the wireless network. The Wi-Fi device may be within sufficient proximity to the smartglasses device to communicate with the software and hardware components included in the Wi-Fi device.

(22) The wireless controller module may also transmit the captured data to an external entity. The transmission of the captured data may be communicated over the wireless network.

(23) The NFC controller module and/or the wireless controller module may include multiple modes. The modes may include discoverable mode and non-discoverable mode. In a discoverable mode, the smartglasses may be actively searching for other devices. In a non-discoverable mode, the smartglasses may not be actively searching for devices.

(24) The plurality of software components may also include a telephone number to account number resolver module. In such embodiments, the telephone number to account number resolver module may be internal to the smartglasses device. The telephone number to account number resolver module may receive a telephone number from the NFC controller module.

(25) The telephone number to account number resolver module may communicate with the external entity and/or internal storage location to identify an account number associated with a received telephone number. The telephone number may be a mobile telephone number.

(26) The mobile telephone number may be associated with one or the one or more other smartglasses devices. The mobile telephone number may be associated with the second smartglasses device. As such, the telephone number to account number resolver module may identify an account number associated with the mobile telephone number associated with the second smartglasses device.

(27) In some embodiments, the smartglasses device may be associated with multiple mobile telephone numbers. The multiple mobile telephone numbers may be stored in a storage location included in the smartglasses device. The smartglasses device may also be associated with multiple account numbers. In certain embodiments, each telephone number may be associated with an account number. As such, in order to generate a transaction, the wearer of the smartglasses may select a telephone number. The telephone number to account number resolver module may identify the account number associated with the selected telephone number. As such, the telephone number to account number resolver module may identify the account number associated with the smartglasses device.

(28) The plurality of software components may also include an amount and PIN verification module. The amount and PIN verification module may verify the transaction amount and/or the PIN with the external entity.

(29) As stated above, the microprocessor, included in the smartglasses device, may initiate a transaction. The microprocessor may generate a transaction request. The transaction request may be a transfer of funds instruction. A benefactor account of the transaction request may be the account associated with the first smartglasses telephone number. A beneficiary account of the transaction request may be the account associated with the second smartglasses mobile telephone number.

(30) The transaction request may include an account number associated with the initiating smartglasses device. The transaction request may include the transaction amount. The transaction request may include the PIN. The transaction request may include the smartglasses account number associated with the second smartglasses mobile telephone number.

(31) The microprocessor may transmit the generated transaction request to the entity. The entity may process the transaction request.

(32) Upon completion of processing the transaction request at the entity, the entity may transmit a confirmation to the smartglasses device and/or to the second smartglasses device. The confirmation(s) may notify regarding the completion of the transaction request processing.

(33) The confirmations may also include details relating to the transaction. Such details may include one or more account numbers and/or a portion of one or more account numbers. Such details may also include a transaction amount. Such details may also include a date-time stamp.

(34) Apparatus and methods described herein are illustrative. Apparatus and methods in accordance with this disclosure will now be described in connection with the figures, which form a part hereof. The figures show illustrative features of apparatus and method steps in accordance with the principles of this disclosure. It is to be understood that other embodiments may be utilized and that structural, functional and procedural modifications may be made without departing from the scope and spirit of the present disclosure.

(35) The steps of methods may be performed in an order other than the order shown or described herein. Embodiments may omit steps shown or described in connection with illustrative methods. Embodiments may include steps that are neither shown nor described in connection with illustrative methods.

(36) Illustrative method steps may be combined. For example, an illustrative method may include steps shown in connection with another illustrative method.

(37) Apparatus may omit features shown or described in connection with illustrative apparatus. Embodiments may include features that are neither shown nor described in connection with the illustrative apparatus. Features of illustrative apparatus may be combined. For example, an illustrative embodiment may include features shown in connection with another illustrative embodiment.

(38) FIG. 1 shows an illustrative diagram. The illustrative diagram shows smartglasses-to-smartglasses communication. Smartglasses 104 may be worn by user 102. Smartglasses 110 may be worn by user 108. Smartglasses 104 and 110 may include capabilities such as those described above. Smartglasses 104 and smartglasses 110 may communicate with each other, as shown at communication 106.

(39) FIG. 2 shows an illustrative diagram. The illustrative diagram shows communication between a first smartglasses (smartglasses A), shown at 202, a second smartglasses (smartglasses B), shown at 204 and a financial institution, shown at 206.

(40) Smartglasses A may be associated with mobile telephone number 123-456-7890. Smartglasses B may be associated with mobile telephone number 012-345-6789.

(41) Step 1 of an exemplary communication is shown at 208. Step 1 may include initiation of a payment communication. The payment communication may be transmitted from smartglasses A to smartglasses B.

(42) The payment communication may include a transfer of funds instruction. The intent of the transfer of funds instruction may be to transfer funds from an account associated with smartglasses A to an account associated with smartglasses B. Each account may be linked to its respective smartglasses via the associated mobile telephone number. The payment communication that is transferred from smartglasses A to smartglasses B may include the mobile telephone number associated with smartglasses A.

(43) Step 2 of the exemplary communication is shown at 210. In response to receiving the payment communication, smartglasses B may transmit its associated mobile telephone number to smartglasses A.

(44) Step 3 of the exemplary communication is shown at 212. A user of smartglasses A may enter a transaction amount and a PIN. As such, the transaction amount and PIN may be captured at smartglasses A.

(45) Step 4 of the exemplary communication is shown at 214. Smartglasses A may transmit mobile telephone number A, mobile telephone number B, transaction amount and PIN to financial institution 206.

(46) Step 5 of the exemplary communication is shown at 216. Financial institution 206 may transmit account information A, which is associated with mobile telephone number 123-456-7890, account information B, which is associated with mobile telephone number 012-345-6789 and a payment verification to smartglasses A.

(47) In some embodiments, smartglasses A may respond to the payment verification with an approval. Upon receipt of the approval, financial institution 206 may process the payment.

(48) FIG. 3 shows an illustrative diagram. The illustrative diagram shows communication between a first smartglasses (smartglasses A), shown at 302, a second smartglasses (smartglasses B), shown at 304 and a financial institution, shown at 306.

(49) Smartglasses A may be associated with mobile telephone number 123-456-7890. Smartglasses B may be associated with mobile telephone number 012-345-6789.

(50) Step 1 of an exemplary communication is shown at 308. Step 1 may include initiation of a payment communication. The payment communication may be transmitted from smartglasses A to smartglasses B.

(51) The payment communication may include a transfer of funds instruction. The intent of the transfer of funds instruction may be to transfer funds from an account associated with smartglasses A to an account associated with smartglasses B. Each account may be linked to its respective smartglasses via the associated mobile telephone number. The payment communication that is transferred from smartglasses A to smartglasses B may include the mobile telephone number associated with smartglasses A.

(52) Step 2 of the exemplary communication is shown at 310. In response to receiving the payment communication, smartglasses B may transmit its associated mobile telephone number to smartglasses A.

(53) Step 3 of the exemplary communication is shown at 312. Smartglasses A may transmit mobile telephone number associated with smartglasses B to financial institution 306 for account number identification.

(54) Step 4 of the exemplary communication is shown at 314. Financial institution 306 may identify an account number associated with the mobile telephone number associated with smartglasses B. Financial institution 306 may transmit the identified account number to smartglasses A.

(55) Step 5 of the exemplary communication is shown at 316. Smartglasses A may capture an amount and PIN from the user of smartglasses A.

(56) Step 6 of the exemplary communication is shown at 318. Smartglasses A may generate a payment instruction to transfer funds from the account number associated with smartglasses A to the account number associated with smartglasses B.

(57) Step 7 of the exemplary communication is shown at 320. Smartglasses A may transmit a payment instruction to financial institution 306 for processing. It should be appreciated that financial institution 306 may be associated with the account associated with smartglasses A and/or the account associated with smartglasses B. In the event that financial institution 306 is associated with the account associated with smartglasses A, financial institution 306 may communicate with a second financial institution associated with the account associated with smartglasses B.

(58) FIG. 4 shows an exemplary diagram. The exemplary diagram includes components of smartglasses 402. The components may include two sets of components, hardware components, shown at 404 and software components, shown at 416.

(59) Hardware components may include component A, a battery, shown at 408. The battery may power other components of the smartglasses, such as the display and the microprocessor.

(60) Hardware components may include component B, a microprocessor, shown at 406. The microprocessor may execute the processes within the smartglasses. The microprocessor may also initiate transactions.

(61) Hardware components may include component C, shown at 410, a nano wireless NIC. The nano wireless NIC may establish communication between the smartglasses and a nearby wireless network. The wireless network may enable the smartglasses to communicate with a financial institution.

(62) Hardware components may include component D, shown at 414, an active NFC reader. The active NFC reader may detect the proximity of other smartglasses. The active NFC reader may establish communication between the smartglasses and the other smartglasses.

(63) Hardware components may include component E, shown at 412, a display. The display may display software-based displays to the user.

(64) Software components may include a telephone number to account number resolver module. The telephone number to account number resolver module may communicate with the financial institution to identify an account number associated with a telephone number.

(65) Software components may include an amount and PIN verification module. The amount and PIN verification module may verify the amount of the transaction and the PIN with the financial institution.

(66) Software components may include a digital number pad module. The digital number pad module may display a digital number pad to the smartglasses user.

(67) Software components may include an NFC controller module. The NFC controller module may activate NFC with the active NFC reader. The NFC controller module may send and/or receive user data, payment data and/or authentication data.

(68) Software components may include an information controller module. The information controller module may capture amount and PIN information from the user.

(69) Software components may include a wireless controller module. The wireless controller module may interface between the nano wireless NIC and an external Wi-Fi device.

(70) FIG. 5 shows a payment system where funds can be transferred from an account associated with a first smartglasses (502) to an account associated with a second smartglasses (504).

(71) Smartglasses 502 may include microprocessor 522. Battery 528 may power microprocessor 522. Microprocessor 522 may initiate a transaction.

(72) Smartglasses 502 may also include digital number pad 524. Digital number pad 524 may be displayed on display 526. Digital number 524 pad may receive numerical user input.

(73) Smartglasses may also include nano wireless NIC card 516. Nano wireless NIC card 516 may be responsible for establishing communication with a nearby wireless network.

(74) Smartglasses may also include an active NFC reader 512. NFC reader 512 may detect smartglasses in a predetermined vicinity. NFC reader 512 may establish communication with the detected smartglasses, such as smartglasses 504.

(75) Smartglasses 502 may also include a telephone number to account number resolver 518. Telephone number to account number resolver 518 may identify financial institution account information associated with a telephone number.

(76) Telephone number to account number resolver 518 may communicate with an entity, such as a financial institution. The financial institution may store account information. The financial institution may process transactions.

(77) Smartglasses 502 may also include an amount and PIN verification module 520. Amount and PIN verification module 520 may capture user input relating to an amount and a PIN. Amount and PIN verification module 520 may capture the hand-gesture-based user input.

(78) Active NFC reader 512 may communicate with NFC controller 510. NFC controller 510 may activate NFC communication. NFC controller 510 may send and receive a user's payment and authentication data.

(79) Smartglasses 502 may also include information controller 508. Information controller 508 may communicate with amount and PIN verification module 520. Information controller 508 may capture amount and PIN information. Information controller 508 may transfer the captured amount and PIN information to NFC controller 510.

(80) NFC controller 510 and nano wireless NIC card 516 may communicate with wireless controller 514. Wireless controller 514 may communicate with external Wi-Fi device 506.

(81) Wireless controller 514 may communicate with microprocessor 522. Microprocessor 522 may communicate with a receiver's financial institution 530 and a sender's financial institution 532.

(82) Thus, smartglasses-to-smartglasses payment systems are provided. Persons skilled in the art will appreciate that the present invention can be practiced by other than the described embodiments, which are presented for purposes of illustration rather than of limitation. The present invention is limited only by the claims that follow.