Peer-to-peer payment processing
First Claim
1. A system for providing a secure communication protocol for data transfer with a mobile device, the system including one or more servers connected with a merchant device via an Internet connection, the merchant device connected with the mobile device via a direct wireless network connection formed when the mobile device is within a direct wireless communicable range of the merchant device, the direct wireless connection being separate from the Internet connection such that the mobile device communicates with the one or more servers via the merchant device when the mobile device forms the direct wireless connection with the merchant device, the one or more servers, configured to:
- generate wallet identifying data that uniquely identifies the mobile device from other mobile devices, wherein the wallet identifying data is generated based at least in part on a random code and configured to secure data transfers over the direct wireless connection and the Internet connection;
send the wallet identifying data to the mobile device via the Internet connection when the mobile device is connected with the one or more servers;
receive, from the merchant device or the mobile device, a consumer approval data threshold indicator that indicates whether a user input comprising a consumer approval of a transaction is needed to complete the transaction, wherein the transaction comprises the sending and receiving of transaction data and consumer approval data, the transaction data comprising a total cost of one or more items and a transaction identifier, the consumer approval data being secured with the wallet identifying data and comprising consumer data, the transaction data, and a consumer approval indicator that indicates whether the user has provided user inputs comprising the consumer approval of the transaction, and wherein the consumer data comprises a consumer identifier and a payment account identifier;
subsequent to sending the wallet identifying data to the mobile device, in circumstances where the consumer approval data indicator indicates that consumer approval data is needed to complete the transaction, the one or more servers are further configured to;
receive payment approval data from the merchant device via the Internet connection, wherein the payment approval data includes the consumer approval data that is transmitted to the merchant device from the mobile device via the direct wireless network connection formed when the mobile device is within a direct wireless communicable range of the merchant device, and wherein the payment approval data is secured with the wallet identifying data;
validate the payment approval data received from the merchant device based on verifying that the payment approval data was programmatically secured using the wallet identifying data sent to the mobile device, wherein the one or more servers validate the consumer approval data by decoding or authenticating the consumer approval data and the transaction data by utilizing a locally stored copy of the wallet identifying data; and
subsequent to validating the payment approval data received from the merchant device, process the consumer approval data.
3 Assignments
0 Petitions
Accused Products
Abstract
Systems and related methods facilitating payments with a mobile device are discussed herein. Circuitry in a networked-based payment system may be configured to receive payment information from a first device. The first device may include circuitry configured to wirelessly receive wallet identifying data from the payment system. The wallet identifying data may be used to secure messages between the first device and another device over a wireless link. For example, the first device may be configured to send the wallet identifying data to a second device, which may then communicate with the payment system. In response, consumer identifying data associated with the wallet identifying data may be received by the second device from the payment system. In some embodiments, use of wallet identifying data may be applied to other communications, such as for messages that authorize payment.
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Citations
22 Claims
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1. A system for providing a secure communication protocol for data transfer with a mobile device, the system including one or more servers connected with a merchant device via an Internet connection, the merchant device connected with the mobile device via a direct wireless network connection formed when the mobile device is within a direct wireless communicable range of the merchant device, the direct wireless connection being separate from the Internet connection such that the mobile device communicates with the one or more servers via the merchant device when the mobile device forms the direct wireless connection with the merchant device, the one or more servers, configured to:
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generate wallet identifying data that uniquely identifies the mobile device from other mobile devices, wherein the wallet identifying data is generated based at least in part on a random code and configured to secure data transfers over the direct wireless connection and the Internet connection; send the wallet identifying data to the mobile device via the Internet connection when the mobile device is connected with the one or more servers; receive, from the merchant device or the mobile device, a consumer approval data threshold indicator that indicates whether a user input comprising a consumer approval of a transaction is needed to complete the transaction, wherein the transaction comprises the sending and receiving of transaction data and consumer approval data, the transaction data comprising a total cost of one or more items and a transaction identifier, the consumer approval data being secured with the wallet identifying data and comprising consumer data, the transaction data, and a consumer approval indicator that indicates whether the user has provided user inputs comprising the consumer approval of the transaction, and wherein the consumer data comprises a consumer identifier and a payment account identifier; subsequent to sending the wallet identifying data to the mobile device, in circumstances where the consumer approval data indicator indicates that consumer approval data is needed to complete the transaction, the one or more servers are further configured to; receive payment approval data from the merchant device via the Internet connection, wherein the payment approval data includes the consumer approval data that is transmitted to the merchant device from the mobile device via the direct wireless network connection formed when the mobile device is within a direct wireless communicable range of the merchant device, and wherein the payment approval data is secured with the wallet identifying data; validate the payment approval data received from the merchant device based on verifying that the payment approval data was programmatically secured using the wallet identifying data sent to the mobile device, wherein the one or more servers validate the consumer approval data by decoding or authenticating the consumer approval data and the transaction data by utilizing a locally stored copy of the wallet identifying data; and subsequent to validating the payment approval data received from the merchant device, process the consumer approval data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 21, 22)
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11. A machine-implemented method for providing a secure communication protocol for data transfer with a mobile device by one or more servers, the one or more servers connected with a merchant device via an Internet connection, the merchant device connected with the mobile device via a direct wireless network connection formed when the mobile device is within a direct wireless communicable range of the merchant device, the direct wireless connection being separate from the Internet connection such that the mobile device communicates with the one or more servers via the merchant device when the mobile device forms the direct wireless connection with the merchant device, the one or more servers, the method comprising, by the one or more servers
generating wallet identifying data that uniquely identifies the mobile device from other mobile devices, wherein the wallet identifying data is generated based at least in part on a random code and configured to secure data transfers over the direct wireless connection and the Internet connection; -
sending the wallet identifying data to the mobile device via the Internet connection when the mobile device is connected with the one or more servers; receiving a consumer approval data threshold indicator that indicates whether a consumer approval data is needed to complete a transaction, wherein the transaction comprises the sending and receiving of transaction data and consumer approval data, the transaction data comprising a total cost of one or more items and a transaction identifier, the consumer approval data being secured with the wallet identifying data and comprising consumer data, the transaction data, and a consumer approval indicator that indicates whether the user has provided a user input comprising a consumer approval of the transaction, and wherein the consumer data comprises a consumer identifier and a payment account identifier; subsequent to sending the wallet identifying data to the mobile device in circumstances where the consumer approval data indicates that consumer approval data is needed to complete the transaction, the method implemented the one or more servers further comprises; receiving consumer approval data from the merchant device via the Internet connection, wherein the consumer approval data is transmitted to the merchant device from the mobile device via the direct wireless network connection formed when the mobile device is within a direct wireless communicable range of the merchant device, and wherein the consumer approval data is secured with the wallet identifying data by the merchant device; validating the consumer approval data received from the merchant device based on verifying that the consumer approval data was programmatically secured using the wallet identifying data sent to the mobile device; and subsequent to validating the consumer approval data received from the merchant device, processing the consumer approval data. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification