Payment transaction system and method
First Claim
1. A payment transaction system comprising:
- a receiver processor for receiving payment details from a consumer'"'"'s communication device, the device being provided with a template for input of information by the consumer to allow the consumer to input payment data into the communication device relating to the payment which is to be made; and
a central facility for maintaining an account relating to the consumer and for receiving the payment data from the receiver processor for authorising the payment or declining the payment and for supplying a signal to the receiver processor which indicates whether the payment is authorised or declined.
2 Assignments
0 Petitions
Accused Products
Abstract
A payment transaction system and method is disclosed which has a central facility (100, 200) which has an approval payment processor and a transaction payment database for maintaining accounts relating to customers. The approval payment processor interrogates the database to determine whether a payment should be improved based on the status of the account. A retail processor (P1) receives input payment data from a consumer'"'"'s mobile telephone relating to the purchase of products so that the payment data can be received by the central facility for approval or declining the payment. The retail processor (P1) has an EPOS checkout terminal and a store database and communicates with a retailer head office processor. The mobile phone is provided with a preset template for facilitating input of data.
20 Citations
43 Claims
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1. A payment transaction system comprising:
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a receiver processor for receiving payment details from a consumer'"'"'s communication device, the device being provided with a template for input of information by the consumer to allow the consumer to input payment data into the communication device relating to the payment which is to be made; and
a central facility for maintaining an account relating to the consumer and for receiving the payment data from the receiver processor for authorising the payment or declining the payment and for supplying a signal to the receiver processor which indicates whether the payment is authorised or declined. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A payment transaction system comprising:
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a first processor having an apparatus for receiving payment data from a communication device belonging to a consumer to enable payment to be made for goods or services, an EPOS checkout terminal, and a store back office server having a store database connected to the EPOS checkout terminal;
a retailer processor having a communication transmission processor and a transaction payment database;
a first communication link connecting the receiver processor to the retailer processor;
a central facility having a payment approval processor and an account transaction payment database, the account transaction database maintaining a database of accounts relating to consumers so that the processor can interrogate the database and determine whether a payment is to be approved or declined;
a second communication link for connecting the retailer processor to the central facility so that the payment data can be transmitted from the retailer head office server to the payment approval processor, and for transmitting a signal back from the central facility to the head office server indicating that payment is approved to enable updating of the transaction payment database of the retail head office server;
a third communication link for communicating the central facility with the receiver processor for enabling an indication of the approval of the payment to be transmitted from the central facility to the receiver processor so that the EPOS checkout terminal is provided with an indication that payment is approved to enable a consumer to receive the goods or services relating to the payment. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24)
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25. a payment transaction system comprising:
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a central facility having a payment approval processor and a transaction payment database, the database maintaining accounts relating to respective consumers, and the payment approval processor being for interrogating the database and determining whether a payment is to be approved based on the status of the consumers account, as maintained in the database, the central facility being for receiving payment data from a communication device belonging to a consumer, and if payment is to be approved for transmitting an approval code back to the communication device;
a receiver processor associated with a retail outlet for receiving an approval signal including the approval code from the central facility, the receiver processor including a store back office server having a payment application processor and a store database, the store database being for storing the approved payment, and an EPOS collection point for receiving from the payment application processor the approval code and for storing the approval code, so that when the consumer presents at the collection point to collect goods or services paid for, the approval code transmitted to the user'"'"'s communication device and the stored approval code at the collection point are matched to confirm payment;
a communication link for communicating the central facility with the receiver processor;
a retail head office server including a payment database for receiving from the store back office server approval payment details for storing the payment transaction details to enable reconciliation of payments with the central facility; and
a second communication link for connecting the store back office server with the retailer head office server. - View Dependent Claims (26, 27, 28)
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29. A payment transaction method comprising:
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receiving payment details from a consumer'"'"'s communication device, the device being provided with a template for input of information by the consumer to allow the consumer to input payment data into the communication device relating to the payment which is to be made; and
providing a central facility for maintaining an account relating to the consumer and for receiving the payment data for authorising the payment or declining the payment and for supplying a signal to the receiver processor which indicates whether the payment is authorised or declined. - View Dependent Claims (30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43)
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Specification