System and method for a private and secure payment system using a merchant sales terminal
First Claim
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1. A secure payment system between a customer and a merchant, comprising:
- a merchant sales terminal;
in an embodiment, the sales terminal pursuant to a sales transaction does not receive bankcard data and instead assembles a partial payment authorization record without the bankcard data and sends wirelessly to a wireless device of the customer physically present in the immediate vicinity of the sales terminal;
the sales terminal wirelessly transmits the partial payment authorization transaction record including, at least a merchant terminal identification and a payment amount, but not a customer bankcard data, for a specific sales transaction, to the mobile wireless device of the customer, wherein the wireless transmission of the partial payment authorization record to the customer wireless device by the sales terminal facilitates a payment to the merchant without the merchant receiving bankcard data into the sales terminal.
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Abstract
A secure payment system between a customer and a merchant, where the sales terminal wirelessly transmits a partial payment authorization transaction record including, at least a merchant terminal identification and a payment amount, but not a customer bankcard data, for a specific sales transaction, to a wireless device of the customer. Alternatively, the sales terminal displays a partial payment authorization transaction record including, at least a merchant terminal identification and a payment amount, but not a customer bankcard data, for a specific sales transaction, for the displayed record to be captured by a wireless device of the customer.
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Citations
22 Claims
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1. A secure payment system between a customer and a merchant, comprising:
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a merchant sales terminal; in an embodiment, the sales terminal pursuant to a sales transaction does not receive bankcard data and instead assembles a partial payment authorization record without the bankcard data and sends wirelessly to a wireless device of the customer physically present in the immediate vicinity of the sales terminal; the sales terminal wirelessly transmits the partial payment authorization transaction record including, at least a merchant terminal identification and a payment amount, but not a customer bankcard data, for a specific sales transaction, to the mobile wireless device of the customer, wherein the wireless transmission of the partial payment authorization record to the customer wireless device by the sales terminal facilitates a payment to the merchant without the merchant receiving bankcard data into the sales terminal. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A secure payment system between a customer and a merchant, comprising:
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a merchant sales terminal; in an embodiment, the sales terminal pursuant to a sales transaction does not receive bankcard data and instead assembles a partial payment authorization record without the bankcard data and displays on a display screen of the terminal to a customer physically present in the immediate vicinity of the sales terminal; the sales terminal displays on the display screen of the terminal the partial payment authorization transaction record including, at least a merchant terminal identification and a payment amount, but not a customer bankcard data, for a specific sales transaction, wherein the display of the partial payment authorization record by the sales terminal facilitates a payment to the merchant for the sales transaction without the merchant receiving bankcard data into the sales terminal. - View Dependent Claims (9, 10, 11, 12)
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13. A secure payment system between a customer and a merchant, comprising:
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a merchant sales terminal; in an embodiment, the sales terminal pursuant to a sales transaction does not receive bankcard data and instead assembles a partial payment authorization record without the bankcard data and sends wirelessly to a wireless device of the customer physically present in the immediate vicinity of the sales terminal; the sales terminal wirelessly transmits the partial payment authorization transaction record including, at least a merchant terminal identification and a payment amount, but not a customer bankcard data, for a specific sales transaction, to the mobile wireless device of the customer, wherein the wireless transmission of the partial payment authorization record to the customer wireless device by the sales terminal facilitates a payment to the merchant without the merchant receiving bankcard data into the sales terminal; and in an another embodiment, the sales terminal pursuant to a sales transaction does not receive bankcard data and instead assembles a partial payment authorization record without the bankcard data and displays on a display screen of the terminal to the customer physically present in the immediate vicinity of the sales terminal; the sales terminal displays on the display screen of the terminal the partial payment authorization transaction record including, at least a merchant terminal identification and a payment amount, but not a customer bankcard data, for a specific sales transaction, wherein the display of the partial payment authorization record by the sales terminal facilitates a payment to the merchant for the sales transaction without the merchant receiving bankcard data into the sales terminal. - View Dependent Claims (14, 15, 16, 17)
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18. A method of a secure payment system between a customer and a merchant, comprising the steps of:
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a. providing a sales terminal with an ability to send a partial payment authorization data for a sales transaction wirelessly to a wireless device of the customer physically present in the immediate vicinity of the sales terminal and also providing the sales terminal with a display screen with an ability to display the partial payment authorization data for a sales transaction to the customer physically present in the immediate vicinity of the sales terminal; b. receiving by the sales terminal not the bankcard data of the customer and instead creating by the merchant sales terminal the partial payment authorization transaction record including, at least a merchant terminal identification and a payment amount, but not a customer bankcard data; c. sending by the merchant sales terminal, the partial payment authorization transaction record, for a specific sales transaction, to the mobile wireless device of the customer by a short distance wireless transmission or by displaying on the display screen of the sales terminal for reading by the mobile device, wherein the sales terminal facilitates a payment to the merchant for the sales transaction without the merchant receiving bankcard data into the sales terminal. - View Dependent Claims (19, 20, 21, 22)
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Specification