PAYMENTS USING A MOBILE COMMERCE DEVICE
First Claim
1. A method of processing a payment transaction in a mobile commerce system, the method comprising:
- receiving at a first acquirer system a communication from a point-of-sale (POS) device, the communication related to the payment transaction and including information identifying a financial account from which a payment is requested;
identifying a second acquirer for authorizing the payment, wherein the second acquirer system is identified based on the information identifying the financial account;
sending the communication to the second acquirer system for authorization of the transaction based on the information related to the financial account; and
receiving from the second acquirer system an indication of whether the transaction is authorized.
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Accused Products
Abstract
Methods, systems, and machine-readable media are disclosed for handling payment transactions in a mobile commerce system. According to one embodiment, a method of processing a payment transaction in a mobile commerce system can comprise receiving at a first acquirer system a communication from a point-of-sale (POS) device. The communication can be related to the payment transaction and can include information identifying a financial account from which a payment is requested. A second acquirer for authorizing the payment can be identified based on the information identifying the financial account. The communication can be sent to the second acquirer system for authorization of the transaction based on the information related to the financial account. An indication of whether the transaction is authorized can be received from the second acquirer system.
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Citations
36 Claims
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1. A method of processing a payment transaction in a mobile commerce system, the method comprising:
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receiving at a first acquirer system a communication from a point-of-sale (POS) device, the communication related to the payment transaction and including information identifying a financial account from which a payment is requested; identifying a second acquirer for authorizing the payment, wherein the second acquirer system is identified based on the information identifying the financial account; sending the communication to the second acquirer system for authorization of the transaction based on the information related to the financial account; and receiving from the second acquirer system an indication of whether the transaction is authorized. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A system comprising:
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a communications network; a mobile device including a Near Field Communications (NFC) transponder and a mobile wallet, wherein the mobile device is adapted to maintain at least one set of information related to a financial account in the mobile wallet and communicate at least a subset of the information related to the financial account via the NFC transponder upon initiation of a transaction; a point of sale device communicatively coupled with the first communications network and including an NFC transponder, the point of sale device adapted to receive the information related to the financial account from the mobile device via the NFC transponder and send a communication related to the transaction via the communications network, wherein the communication related to the financial transaction includes the information related to the financial account; and a mobile commerce gateway communicatively coupled with the communications network and adapted to receive the communication related to the transaction from the point of sale device and route the communication for handling of the transaction based on the information related to the financial account. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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27. A machine-readable medium having stored thereon a series of instruction which, when executed by a processor, causes the processor to handle a payment transaction in a mobile commerce system by:
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receiving at a first acquirer system a communication from a point-of-sale (POS) device, the communication related to the payment transaction and including information identifying a financial account from which a payment is requested; identifying a second acquirer for authorizing the payment, wherein the second acquirer system is identified based on the information identifying the financial account; sending the communication to the second acquirer system for authorization of the transaction based on the information related to the financial account; and receiving from the second acquirer system an indication of whether the transaction is authorized. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35, 36)
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Specification