Wallet consolidator to facilitate a transaction

Abstract

A wallet consolidator to warehouse information pertaining to at least one card and to retrieve the warehoused information to facilitate a transaction is provided. An embodiment of a Wallet consolidator can include a housing, one or more input devices positioned to receive information, and a memory device positioned to store at least a portion of the information received by the one or more input devices. The wallet consolidator can also include a radio frequency wireless communication interface associated with the housing and adapted to communicate with a point-of-sale terminal thereby to provide at least a portion of the Information stored in the memory device to the point-of-sale terminal, a display screen, and a controller positioned within the housing in communication with and to control each of the one or more input devices, the memory device, the radio frequency wireless communication interface, and the display screen.

1 . A wallet consolidator to warehouse information pertaining to at least one card and to retrieve the warehoused information to facilitate a transaction at a point of-sale terminal positioned remote from the wallet consolidator, the wallet consolidator comprising:
 a housing to be carried by a user;   one or more input devices associated with the housing and being positioned to receive or transmit information, the information being associated with transactions with one or more of:   at least one card and at least one electronic coupon, so at least a portion of the information being received by one of the one or more input devices to thereby further enable a point-of-sale transaction, and the at least one card being selected from the group of: credit cards, debit cards, identification cards, coupons, and barcodes;   a memory device associated with the housing and positioned to store at least a portion of the information received by the one or more input devices;   a radio frequency wireless communication interface associated with the housing and positioned to communicate with a point-of-sale terminal thereby to provide or receive the at least a portion of the information stored or to be stored in the memory to the point-of-sale terminal;   a display screen to display a menu of functions to a user, the functions including one or more of: adding card information, deleting card information, duplicating information, transferring information, moving cash, and accessing information including transactional information; and   a controller located internally within the housing, in communication with each of the one or more input devices, the memory, the display screen, and the wireless communication interface, and positioned to control input or output of the information from or into the memory of the wallet consolidator through the one or more input devices, display of the menu of functions to a user through the display screen, retrieval or storage of the at least a portion of the information from or to the memory, and input or output of the at least a portion of the information stored or to be stored in the memory through the radio frequency wireless communication interface to or from the point-of-sale terminal when a user facilitates the selection of the at least a portion of the information using one of the one or more input devices and positions the wallet consolidator in communication with the point-of-sale terminal to enable a point-of-sale transaction responsive to the point-of-sale terminal receiving or transmitting the at least a portion of the information communicated thereto from and to the wallet consolidator to thereby facilitate a transaction at the point-of-sale terminal.   
     
     
         2 . A wallet consolidator as defined in  claim 1 ,
 wherein the information received or transmitted by one of the one or more input devices comprises identification and transaction information;   wherein the information displayed on the display screen comprises information from the memory being displayed as controlled by the controller;   wherein the one or more input devices includes at least one keypad; and   wherein the display screen is connected to the housing and positioned within the housing as the at least one keypad.   
     
     
         3 . A wallet consolidator as defined in  claim 2 , wherein the one or more input devices further includes a touch sensitive display screen associated with the display screen, associated with the housing, and wherein the touch sensitive display screen includes a keypad screen 
     
     
         4 . A wallet consolidator as defined in  claim 1 , wherein the information received or transmitted by the one or more input devices includes transaction information and or information included on a plurality of different cards, the plurality of different cards being selected from the group of: credit cards, debit cards, coupons, identification cards, and bar codes.
 of the one or more input devices   
     
     
         5 . A wallet consolidator as defined in  claim 1 , wherein one operably receives an input of a passcode from a user to gain access to the wallet consolidator so that the controller displays the menu of functions after the user gains access to the wallet consolidator by entering the passcode through the one of the one or more input devices. 
     
     
         6 . A wallet consolidator as defined in  claim 1 ,
 wherein the memory at least has sufficient memory to store the information to display a digitized image, the digitized image being selected from the group of a signature, a portrait, the at least one card, and a bar code; and   wherein the controller operably stores the digitized image information in the memory device of the wallet consolidator.   Wherein the controller operably displays the digitized image on the display screen to thereby define a displayed digitized image; and   wherein the displayed digitized image is usable at the point-of-sale terminal.   
     
     
         7 . A wallet consolidator as defined in  claim 1 , wherein the memory at least has sufficient memory to store a digitized image of a bar code; and
 wherein the controller operably stores the digitized image information of a bar code in the memory of the wallet consolidator and operably displays the digitized image of a bar code on the display screen to thereby define a displayed digitized image of a bar code, the displayed digitized image of a bar code being scannable by a bar code scanner.   
     
     
         8 . A wallet consolidator as defined in  claim 1 ,
 wherein the information stored in the memory includes the at least one bar code; and   wherein the controller operably displays the bar code on the display screen to thereby define a displayed bar code image, the displayed bar code image being scannable by a bar code scanner.   
     
     
         9 . A wallet consolidator to facilitate a transaction at a remote point-of-sale terminal, the wallet consolidator comprising:
 a housing to be carried by a user;   one or more input devices connected to the housing and being positioned to receive or transmit information, the information being associated with one or more of: at least one card and at least one electronic coupon, at least a portion of the information being received or transmitted by one of the one or more input devices to thereby further enable a point-of-sale transaction, the one or more input devices including at least one keypad, and the at least one card being selected from the group of: credit cards, debit cards, identification cards, transaction information, coupons and barcodes;   memory positioned within the housing and positioned to store at least a portion of the information received or transmitted by the one or more input devices;   a radio frequency wireless communication interface connected to the housing and positioned to communicate with a remote point-of-sale terminal thereby to provide or receive the at least a portion of the information stored or to be stored in the memory to or from the remote point-of-sale terminal;   a display screen to display a menu of functions to a user, the functions including one or more of adding card information, deleting card information, duplicating information, transferring information, moving cash, and accessing information, the display screen being connected to the housing and positioned within the housing as the at least one keypad; and   a controller located internally within the housing, in communication with each of the one or more input devices, the memory, the display screen, and the wireless communication interfaces, and positioned to control input and output of the information into or from the memory of the wallet consolidator through the one or more input devices, display of the menu of functions to a user through the display screen, retrieval of the at least a portion of the information from the memory, and input or output of the at least a portion of the information stored in the memory through the radio frequency wireless communication interface to the remote point-of-sale terminal when a user facilitates the selection of the at least a portion of the information using one of the one or more input devices and positions the Wallet consolidator in communication with the remote point-of-sale terminal to enable a point-of-sale transaction responsive to the remote point-of-sale terminal receiving or transmitting the at least a portion of the information communicated thereto from the wallet consolidator to thereby facilitate a transaction at the remote point-of-sale terminal.   
     
     
         10 . A wallet consolidator as defined in  claim 9 ,
 wherein the information received by one of the one or more input devices comprises Identification information; and   wherein the information displayed on the display screen comprises information from the memory being displayed as controlled by the controller.   
     
     
         11 . A wallet consolidator as defined in  claim 9 , wherein the information received or transmitted by the one or more input devices includes transaction information and information included on a plurality of different cards, the plurality of different cards being selected from the group of credit cards, debit cards, identification cards, coupons, and barcodes. 
     
     
         12 . A wallet consolidator as defined in  claim 9 , wherein one of the one or more input devices operably receives an input of a passcode from a user to gain access to the wallet consolidator so that the controller displays the menu of functions after the user gains access to the wallet consolidator by entering the passcode through the one or more input devices. 
     
     
         13 . A wallet consolidator as defined in  claim 9 ,
 wherein the memory at least has sufficient memory to store digitized image information, the digitized image information being selected from the group of a signature, a portrait, the at least one card, and a bar code; and   wherein the controller operably stores the digitized information in the memory of the wallet consolidator.   
     
     
         14 . A wallet consolidator as defined in  claim 13 ,
 wherein the controller operably displays the digitized image on the display screen to thereby define a displayed digitized image; and   wherein the displayed digitized image is usable at the point-of-sale terminal.   
     
     
         15 . A wallet consolidator as defined in  claim 9 ,
 wherein the memory at least has sufficient memory to store the information for a digitized image of a bar code; and   wherein the controller operably stores the digitized image of a bar code in the memory of the wallet consolidator and operably displays the digitized image of a bar code on the display screen to thereby define a displayed digitized image of a bar code, the displayed digitized image of a bar code being scannable by a bar code scanner.   
     
     
         16 . A wallet consolidator as defined in  claim 9 ,
 Wherein the information stored in the memory includes at least one bar code; and   wherein the controller operably displays the bar code on the display screen to thereby define a displayed bar code image, the displayed bar code image being scannable by a bar code scanner.   
     
     
         17 . A wallet consolidator as defined in  claim 9 , wherein the one or more input devices further includes a touch sensitive display screen associated with the display screen, associated with the housing, and positioned within the housing. 
     
     
         18 . A wallet consolidator to facilitate a transaction, the wallet consolidator comprising:
 a housing to be carried by a user;   one or more input devices associated with the housing and being positioned to receive information, the information being received from one or more of: a remote database and a user, the information also being associated with one or more of transactions ,at least one card and at least one electronic coupon, at least a portion of the information being received by one of the one or more input devices to thereby further enable a transaction, and the at least one card being selected from the group of: credit cards, debit cards, identification cards, coupons, and barcodes;   memory associated with the housing and positioned to store at least a portion of the information received by the one or more input devices;   a radio frequency wireless communication interface associated with the housing and positioned to communicate with a remote database thereby to receive and provide the at least a portion of the information stored or to be stored in the memory to a remote database;   a display screen to display a menu of functions to a user, the functions including one or more of: adding card information, deleting card information, duplicating information, transferring information, moving cash, and accessing information; and   a controller located internally within the housing, in communication with each of the one or more input devices, the memory, the display screen, and the wireless communication interface, and positioned to control input information to and output from the memory of the wallet consolidator through the one or more input devices, display of the menu of functions to a user through the display screen, retrieval of the at least a portion of the information from the memory, and output of the at least a portion of the information stored in the memory through the radio frequency wireless communication interface to a remote database when a user facilitates the selection of at least a portion of the information using one of the one or more input devices and positions the wallet consolidator in communication with a remote database to enable a transaction responsive to a remote database transmitting or receiving the at least a portion of the information communicated thereto from or to the wallet consolidator to thereby facilitate a transaction.   
     
     
         19 . A wallet consolidator as defined in  claim 18 ,
 wherein the information received by one of the one or more input devices comprises transaction information and identification information; and   wherein the information displayed on the display screen comprises information from the memory being displayed as controlled by the controller.   
     
     
         20 . A wallet consolidator as defined in  claim 18 , wherein the information received by the one or more input devices includes transaction information and information included on a plurality of different cards, the plurality of different cards being selected from the group of:
 credit cards, debit cards, identification cards, coupons, and barcodes,   
     
     
         21 . A wallet consolidator as defined in  claim 20 , wherein one of the one or more input devices operably receives an input of a passcode from a user to gain access to the wallet consolidator so that the controller displays the menu of functions after the user gains access to the wallet consolidator by entering the passcode through the one of the one or more input devices. 
     
     
         22 . A wallet consolidator as defined in  claim 18 ,
 wherein the memory at least has sufficient memory to store a digitized image information, the digitized image information being selected from the group of a signature, a portrait, the at least one card, and a bar code; and   wherein the controller operably stores the digitized image information in the memory of the wallet consolidator.   
     
     
         23 . A wallet consolidator as defined in  claim 22 ,
 wherein the controller operably displays the digitized image on the display screen to thereby define a displayed digitized image; and   wherein the displayed digitized image is usable at the point-of-sale terminal.   
     
     
         24 . A wallet consolidator as defined in  claim 18 ,
 wherein the memory at least has sufficient memory to store the digitized image information of a bar code; and   wherein the controller operably stores the digitized image information of a bar code in the memory of the wallet consolidator and operably displays the digitized image of a bar code on the display screen to thereby define a displayed digitized image of a bar code, the displayed digitized image of a bar code being scannable by a bar code scanner.   
     
     
         25 . A wallet consolidator as defined in  claim 18 ,
 wherein the information stored in the memory includes at least one bar code; and   wherein the controller operably displays the bar code on the display screen to thereby define a displayed bar code image, the displayed bar code image being scannable by a bar code scanner.   
     
     
         26 . A wallet consolidator as defined in  claim 18 , wherein the one or more input devices further includes a touch sensitive display screen associated with the display screen, associated with the housing, and positioned within the housing, wherein the touch sensitive display screen includes a keypad screen.