Payment Card Terminal for Mobile Phones
First Claim
1. A computer program product, tangibly embodied in a computer-readable medium, the computer program product being operable to cause data processing apparatus to perform operations comprising:
- receiving from a mobile phone, through a wireless carrier data network, at an application server, first data characterizing a request to provide a payment card settlement service to the mobile phone being associated with a mobile phone number, the request characterizing a payment card with which to settle a transaction and merchant account information of a merchant account;
accessing by the application server a merchant account provider server to obtain processing of the request for the merchant account based on the merchant account information, the merchant account information comprising the mobile phone number;
receiving at the application server from the merchant account provider server second data characterizing authorization to settle the transaction with the payment card for the merchant account; and
initiating by the application server wireless transmission of third data characterizing the authorization for the settlement, the third data wirelessly transmitted through the wireless carrier data network to the mobile phone.
3 Assignments
0 Petitions
Accused Products
Abstract
Methods and apparatus, including computer program products, for payment card terminals for mobile phones. In general, data characterizing a payment card and a settlement amount for a transaction may be received, where the data is user-generated input and is received at a mobile phone associated with a mobile phone number. Wireless transmission of data characterizing a request to provide a payment card settlement service of a merchant account of a merchant account provider for the transaction may be initiated, where the wireless transmission is to be from the mobile phone over a carrier data network to an application server. Data characterizing authorization of settlement of the transaction with the payment card may be wirelessly received by the mobile phone from the application server.
347 Citations
16 Claims
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1. A computer program product, tangibly embodied in a computer-readable medium, the computer program product being operable to cause data processing apparatus to perform operations comprising:
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receiving from a mobile phone, through a wireless carrier data network, at an application server, first data characterizing a request to provide a payment card settlement service to the mobile phone being associated with a mobile phone number, the request characterizing a payment card with which to settle a transaction and merchant account information of a merchant account; accessing by the application server a merchant account provider server to obtain processing of the request for the merchant account based on the merchant account information, the merchant account information comprising the mobile phone number; receiving at the application server from the merchant account provider server second data characterizing authorization to settle the transaction with the payment card for the merchant account; and initiating by the application server wireless transmission of third data characterizing the authorization for the settlement, the third data wirelessly transmitted through the wireless carrier data network to the mobile phone. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computer program product, tangibly embodied in a computer-readable medium, the computer program product being operable to cause data processing apparatus to perform operations comprising:
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receiving at a mobile phone associated with a mobile phone number first data characterizing a payment card and a settlement amount for a transaction, the first data being user-generated input; initiating wireless transmission of second data characterizing a request to provide a payment card settlement service of a merchant account of a merchant account provider for the transaction, the wireless transmission to be from the mobile phone over a carrier data network to an application server; and wirelessly receiving third data characterizing authorization of settlement of the transaction with the payment card, the third data wirelessly received by the mobile phone from the application server. - View Dependent Claims (12, 13, 14)
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16. A computer-implemented method comprising:
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receiving by a middleware server payment requests initiated by mobile phones, the mobile phones operating on a plurality of heterogeneous wireless communication networks; associating each payment request with one of a plurality of merchant account provider servers; converting formats of the payment requests to formats of the corresponding merchant account provider server; transmitting the converted payment requests to the corresponding merchant account providers; receiving authorizations for at least one of the payment requests from at least one of the corresponding merchant account providers; associating the authorizations with mobile phones corresponding to the authorizations; generating compatible notifications for each of the authorizations; and initiating wireless transmission of the notifications to the corresponding mobile phones. - View Dependent Claims (15)
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Specification