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Transaction processing method and apparatus

  • US 10,438,193 B2
  • Filed: 08/26/2013
  • Issued: 10/08/2019
  • Est. Priority Date: 08/26/2013
  • Status: Expired due to Fees
First Claim
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1. A method of electronically processing a transaction using a user device remotely communicated with a transaction server, the method comprising:

  • obtaining a provider identifier associated with a provider for the transaction by reading a tag disposed in a position associated with the provider, wherein the tag stores the provider identifier and enables a short-range wireless communication with the user device through a radio wave field, and wherein the user device comprises a tag reader for reading the provider identifier from the tag and a remote communication module for communicating with the transaction server;

    generating via the user device a user request containing the provider identifier, location information of the provider, and a user identifier associated with a user of the user device;

    transmitting the user request to the transaction server,wherein the transaction server is configured to store a request database which comprises multiple provider requests received from a provider device of the provider and receipt times of the multiple provider requests, wherein the multiple provider requests comprise at least a provider request containing the provider identifier, the location information of the provider, and transaction information, andwherein the transaction server is configured to, when receiving the user request, match the user request with the provider request among the multiple provider requests based on the provider identifier, the location information of the provider and the receipt times of the multiple provider requests;

    receiving from the transaction server a server request containing the transaction information after the transaction server matches the user request with the provider request;

    generating a user response to the server request by taking a user action via the user device regarding the transaction information; and

    transmitting the user response to the transaction server to complete the transaction between the user and the provider, wherein the transaction servertransmits a transaction request containing the transaction information and information related to the provider and the user to an application server for conducting the transaction between the user and the provider, andreceives a transaction response indicating whether or not the transaction is completed from the application server.

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