Wireless payment methods and systems
First Claim
Patent Images
1. A method for conducting a transaction comprising:
- using a first portable electronic device, directly transmitting a request for payment to a second portable electronic device through a wireless link;
receiving approval of the request for payment at the first portable electronic device, wherein the approval is sent directly from the second portable electronic device to the first portable electronic device through the wireless link; and
then sending the request for payment to a payment hub service.
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Accused Products
Abstract
A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
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Citations
20 Claims
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1. A method for conducting a transaction comprising:
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using a first portable electronic device, directly transmitting a request for payment to a second portable electronic device through a wireless link;
receiving approval of the request for payment at the first portable electronic device, wherein the approval is sent directly from the second portable electronic device to the first portable electronic device through the wireless link; and
thensending the request for payment to a payment hub service. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer readable medium comprising:
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code for directly transmitting a request for payment from a first portable electronic device to a second portable electronic device through a wireless link;
code for receiving approval of the request for payment, wherein the approval is sent directly from the second portable electronic device to the first portable electronic device through the wireless link; and
code for sending the request for payment to a payment hub service. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A method of facilitating a transaction comprising:
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receiving an approval of a request for payment at a server computer at a payment hub service, wherein the approval of the request for payment was obtained after a first portable electronic device directly transmitted a request for payment to a second portable electronic device through a wireless link, and after the approval of the request was received at the first portable electronic device, wherein the approval was sent directly from the second portable electronic device to the first portable electronic device through the wireless link; and
thenfacilitating payment from a payer'"'"'s account to a payee'"'"'s account. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification