Point of sale payment method

• US 10,089,677 B2
• Filed: 09/19/2017
• Issued: 10/02/2018
• Est. Priority Date: 02/11/2008
• Status: Active Grant

• Current Assignee: Accenture Global Services Limited (Accenture PLC)
• Original Assignee: Accenture Global Services Limited (Accenture PLC)
• Inventors: Hasson, Robert
• Primary Examiner(s): King, Joseph W.
• Application Number:
  US15/708,875
• Publication Number:
  US 20180005306A1
• Time in Patent Office: 378 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: G07G 1/0081 the reader being a portable scanner or data reader G07G1/009 takes precedence
• CPC Class Codes: H04W 4/14 Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]

Abstract

The present disclosure describes making a payment transaction between a customer and a merchant using a payment card of the customer including: transmitting details of the payment transaction from a mobile device to a remote server; capturing at least one image of the payment card using the mobile device of the merchant; transmitting the at least one image of the payment card to the remote server; identifying, by the remote server, the merchant and the payment card captured in the at least one image; and implementing the payment transaction between bank accounts of the customer and the merchant.

Claims

1. A first device comprising:

one or more processors; and

memory communicatively coupled to the one or more processors, the memory storing instructions which, when executed by the one or more processors, cause the one or more processors to perform operations comprising;

during a video communication between the first device and a second device that is remote from the first device, receiving, by the first device and transmitted from the second device, at least one image of a payment card being used in a payment transaction, the at least one image being recorded and transmitted in real time by way of the video communication only until a real time response is received by the second device indicating recognition, by the first device, of the payment card based on a correspondence between the at least one transmitted image and at least one pre-registered and stored image of the payment card that is accessed by the first device;

receiving, by the first device and transmitted from the second device during the video communication with the first device, additional transaction information associated with the payment transaction;

transmitting, to the second device during the video communication and based on the recognition of the payment card and the received additional transaction information, processing information associated with processing the payment transaction using the payment card, the processing information transmitted for presentation on the second device; and

performing, based on the received at least one image of the payment card and the received additional transaction information, the payment transaction between an account associated with the payment card and an account associated with the second device.

2. The first device of claim 1, the operations further comprising:

receiving, from a third device, identification information of a user associated with the third device, the first device being different than the second device and being different than the third device; and

transmitting, to the third device and based on the received identification information, the processing information associated with the payment transaction.

3. The first device of claim 1, wherein the additional transaction information includes a transaction amount.

4. The first device of claim 1, the operations further comprising:

receiving, by the first device and transmitted from the second device, an image relating to an item associated with the transaction.

5. The first device of claim 1, the operations further comprising:

receiving, by the first device and transmitted from the second device, an image of information associated with an item, the image of the information associated with the item being associated with at least one of;

an offer associated with the item,

a discount associated with the item, and

a coupon associated with the item.

6. The first device of claim 1, wherein the video communication is established via a mobile telephone network.

7. A computer-implemented method performed by a first device, the method comprising:

during a video communication between the first device and a second device that is remote from the first device, receiving, by the first device and transmitted from the second device, at least one image of a payment card being used in a payment transaction, the at least one image being recorded and transmitted in real time by way of the video communication only until a real time response is received by the second device indicating recognition, by the first device, of the payment card based on a correspondence between the at least one transmitted image and at least one pre-registered and stored image of the payment card that is accessed by the first device;

receiving, by the first device and transmitted from the second device during the video communication with the first device, additional transaction information associated with the payment transaction;

transmitting, to the second device during the video communication and based on the recognition of the payment card and the received additional transaction information, processing information associated with processing the payment transaction using the payment card, the processing information transmitted for presentation on the second device; and

performing, based on the received at least one image of the payment card and the received additional transaction information, the payment transaction between an account associated with the payment card and an account associated with the second device.

8. The method of claim 7, further comprising:

receiving, from a third device, identification information of a user associated with the third device, the first device being different than the second device and being different than the third device; and

transmitting, to the third device and based on the received identification information, the processing information associated with the payment transaction.

9. The method of claim 7, wherein the additional transaction information includes a transaction amount.

10. The method of claim 7, further comprising:

receiving, by the first device and transmitted from the second device, an image relating to an item associated with the transaction.

11. The method of claim 10, wherein the image relating to the item is a barcode associated with the item.

12. The method of claim 7, further comprising:

receiving, by the first device and transmitted from the second device, an image of information associated with an item, the image of the information associated with the item being associated with at least one of;

an offer associated with the item,

a discount associated with the item, and

a coupon associated with the item.

13. The method of claim 7, wherein the video communication is established via a mobile telephone network.

14. One or more non-transitory computer-readable media storing instructions which, when executed by a first device, cause the first device to performing operations comprising:

during a video communication between the first device and a second device that is remote from the first device, receiving, by the first device and transmitted from the second device, at least one image of a payment card being used in a payment transaction, the at least one image being recorded and transmitted in real time by way of the video communication only until a real time response is received by the second device indicating recognition, by the first device, of the payment card based on a correspondence between the at least one transmitted image and at least one pre-registered and stored image of the payment card that is accessed by the first device;

receiving, by the first device and transmitted from the second device during the video communication with the first device, additional transaction information associated with the payment transaction;

transmitting, to the second device during the video communication and based on the recognition of the payment card and the received additional transaction information, processing information associated with processing the payment transaction using the payment card, the processing information transmitted for presentation on the second device; and

performing, based on the received at least one image of the payment card and the received additional transaction information, the payment transaction between an account associated with the payment card and an account associated with the second device.

15. The one or more non-transitory computer-readable media of claim 14, the operations further comprising:

receiving, from a third device, identification information of a user associated with the third device, the first device being different than the second device and being different than the third device; and

transmitting, to the third device and based on the received identification information, the processing information associated with the payment transaction.

16. The one or more non-transitory computer-readable media of claim 14, wherein the additional transaction information includes a transaction amount.

17. The one or more non-transitory computer-readable media of claim 14, the operations further comprising:

receiving, by the first device and transmitted from the second device, an image relating to an item associated with the transaction.

18. The one or more non-transitory computer-readable media of claim 17, wherein the image relating to the item is a barcode associated with the item.

19. The one or more non-transitory computer-readable media of claim 14, the operations further comprising:

receiving, by the first device and transmitted from the second device, an image of information associated with an item, the image of the information associated with the item being associated with at least one of;

an offer associated with the item,

a discount associated with the item, and

a coupon associated with the item.

20. The one or more non-transitory computer-readable media of claim 14, wherein the video communication is established via a mobile telephone network.