Processing merchant point-of-sale transactions using a mobile subscriber device

• US 20070108269A1
• Filed: 11/16/2005
• Published: 05/17/2007
• Est. Priority Date: 11/16/2005
• Status: Abandoned Application

• Current Assignee: Lucent Technologies, Inc. (Nokia Corporation)
• Original Assignee: Lucent Technologies, Inc. (Nokia Corporation)
• Inventors: Mahajan, Sanjeev, True, Sandra, Sheen, Baoling, Benco, David
• Application Number:
  US11/280,550
• Publication Number:
  US 20070108269A1
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• 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 20/3278 RFID or NFC payments by means of M-devices
• 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 30/06 Buying, selling or leasing transactions

Abstract

In an exemplary method, a telecommunication network node receives a communication originated by a wireless mobile device where the communication contains transaction information of items selected for purchases. The subscriber is authenticated as a member authorized to use purchase transaction services. A database stores an account of the subscriber. A debit to the account of the subscriber is generated and stored where the debit is for the purchase price of the items.

Claims

1. A method for processing a purchase transaction comprising the steps of:

receiving at a telecommunication network node a communication originated by a wireless mobile device where the communication contains transaction information including identity of items selected for purchase and corresponding prices, and identification of a merchant from which the items are to be bought and of a subscriber to pay for the items;

authenticating the subscriber as a member authorized to use purchase transaction services;

storing in a database an account of the subscriber;

generating and storing a debit to the account of the subscriber where the debit is for the purchase price of the items.

2. The method of claim 1 wherein the telecommunication network node that receives the communication containing the transaction information terminates a path of the communication originated by the wireless mobile device, the telecommunication network node being part of the wireless network infrastructure of a wireless communication services provider that supplies wireless communication services to the subscriber via the wireless mobile device.

3. The method of claim 1 wherein the generating and storing of the debit comprises the steps of generating and storing the debit in the account of the subscriber where the account is also utilized to store charges for telecommunication services as determined by the wireless communications services provider.

4. The method of claim 3 wherein the generating and storing of the debit further comprises the step of storing the debit as a call detail record entry in a call detail record database utilized by the wireless communication services provider.

5. The method of claim 1 further comprising the step of acquiring at least part of the transaction information by the wireless mobile device using a limited-area wireless communication protocol for communications between the wireless mobile device and a merchant point-of-sale system.

6. The method of claim 5 wherein the step of receiving the communication at the telecommunication network node comprises receiving the communication carried by a wide area wireless communication protocol.

7. The method of claim 1 further comprising the steps of transmitting from the telecommunication network node to a point-of-sale system of the merchant from which the items are being brought a communication containing purchase transaction details reflecting the debit to the subscriber'"'"'s account.

8. A method for acquiring information about a purchase transaction comprising the steps of:

establishing a limited-area wireless communication link between a wireless mobile device of a subscriber and a point-of-sale (POS) system of a merchant from which items are sought to be purchased;

receiving, by the wireless mobile device from the merchant POS system over the limited-area wireless communication link, transaction information including identity of items selected for purchase and corresponding prices, and identification of the merchant;

establishing another wireless communication link between the wireless mobile device and a mobile switching center;

transmitting the transaction information over the another wireless communication link from the mobile device to a telecommunication node that has access to an account of the subscriber so that the account can be debited using the transaction information.

9. The method of claim 8 wherein the telecommunication network node that receives the transaction information terminates the another wireless communication link, the telecommunication network node being part of the wireless network infrastructure of a wireless communication services provider that supplies wireless communication services to the subscriber via the wireless mobile device.

10. The method of claim 8 further comprising the steps of generating and storing the debit in the account of the subscriber where the account is also utilized to store charges for telecommunication services as determined by a wireless communications services provider of the subscriber.

11. The method of claim 10 wherein the generating and storing of the debit further comprises the step of storing the debit as a call detail record entry in a call detail record database utilized by the wireless communication services provider.

12. The method of claim 8 further comprising the steps of transmitting from the telecommunication network node to the POS system of the merchant a communication containing purchase transaction details reflecting the debit to the subscriber'"'"'s account.

18. The method of claim 8 further comprising the steps of displaying on a screen of the mobile device the identities and corresponding prices of the items sought to be purchased, and receiving an input initiated by the subscriber by the mobile device where the input defines whether or not the subscriber agrees to purchase the displayed items at the displayed prices.

19. The method of claim 18 further comprising the step of receiving by the mobile device a password entered by the subscriber where entry of a predetermined password establishes authority to enter into the purchase transaction.

13. A method for acquiring information about a purchase transaction comprising the steps of:

acquiring by a wireless mobile device identities of items to be purchased;

establishing a limited-area wireless communication link between the wireless mobile device of a subscriber and a point-of-sale (POS) system of a merchant from which items are sought to be purchased, the wireless mobile device acquiring the identities of items to be purchased without the assistance of the POS system;

transmitting, by the wireless mobile device to the merchant POS system over the limited-area wireless communication link, at least the identities of items selected for purchase;

receiving, by the wireless mobile device from the merchant POS system over the limited-area wireless communication link, transaction information including prices of the items selected for purchase and identification of the merchant;

establishing another wireless communication link between the wireless mobile device and a mobile switching center;

transmitting the transaction information over the another wireless communication link from the mobile device to a telecommunication node that has access to an account of the subscriber so that the account can be debited using the transaction information.

14. The method of claim 13 wherein the telecommunication network node that receives the transaction information terminates the another wireless communication link, the telecommunication network node being part of the wireless network infrastructure of a wireless communication services provider that supplies wireless communication services to the subscriber via the wireless mobile device.

15. The method of claim 13 further comprising the steps of generating and storing the debit in the account of the subscriber where the account is also utilized to store charges for telecommunication services as determined by a wireless communications services provider of the subscriber.

16. The method of claim 15 wherein the generating and storing of the debit further comprises the step of storing the debit as a call detail record entry in a call detail record database utilized by the wireless communication services provider.

17. The method of claim 13 further comprising the steps of transmitting from the telecommunication network node to the POS system of the merchant a communication containing purchase transaction details reflecting the debit to the subscriber'"'"'s account.