MOBILE PAYMENT SYSTEM AND METHOD
First Claim
1. A computer-readable storage medium storing control logic for causing a computer to enable a merchant to obtain payment for a purchase from a customer that uses a mobile communication device to make the purchase, the control logic comprising:
- first computer-readable program code for causing the computer to receive a request for payment transmitted from a merchant terminal, wherein the request for payment includes an identification code of the customer'"'"'s mobile communication device and a purchase amount;
second computer-readable program code for causing the computer to transmit a purchase message to the customer'"'"'s mobile communication device, wherein the purchase message includes;
an identification of the merchant, the purchase amount, and a request for purchase confirmation;
third computer-readable program code for causing the computer to receive a response to the request for purchase confirmation transmitted from the customer'"'"'s mobile communication device; and
fourth computer-readable program code for causing the computer to transmit to the merchant terminal information identifying a financial account belonging to the customer upon determining that the response to the request for purchase confirmation is affirmative.
4 Assignments
0 Petitions
Accused Products
Abstract
A method which enables a merchant to obtain payment for a purchase from a customer who uses a mobile communication device to make the purchase, including uploading an application program to the customer'"'"'s mobile communication device, and receiving a request for payment from a merchant terminal. The request for payment includes an identification code of the customer'"'"'s mobile communication device and a purchase amount. The method further includes transmitting a purchase message to the customer'"'"'s mobile communication device, the purchase message including an identification of the merchant, the purchase amount, and a request for purchase confirmation. The method further includes receiving a response to the request for purchase confirmation transmitted from the customer'"'"'s mobile communication device, and if the response to the request for purchase confirmation is affirmative, transmitting to the merchant terminal information identifying a financial account belonging to the customer.
-
Citations
26 Claims
-
1. A computer-readable storage medium storing control logic for causing a computer to enable a merchant to obtain payment for a purchase from a customer that uses a mobile communication device to make the purchase, the control logic comprising:
-
first computer-readable program code for causing the computer to receive a request for payment transmitted from a merchant terminal, wherein the request for payment includes an identification code of the customer'"'"'s mobile communication device and a purchase amount; second computer-readable program code for causing the computer to transmit a purchase message to the customer'"'"'s mobile communication device, wherein the purchase message includes;
an identification of the merchant, the purchase amount, and a request for purchase confirmation;third computer-readable program code for causing the computer to receive a response to the request for purchase confirmation transmitted from the customer'"'"'s mobile communication device; and fourth computer-readable program code for causing the computer to transmit to the merchant terminal information identifying a financial account belonging to the customer upon determining that the response to the request for purchase confirmation is affirmative. - View Dependent Claims (2, 3, 4, 5, 6, 7, 19, 20)
-
-
8. A computer system including a processor and a memory storing control logic for causing the processor to enable a merchant to obtain payment for a purchase from a customer that uses a mobile communication device to make the purchase, the control logic comprising:
-
first computer-readable program code for causing the processor to receive a request for payment transmitted from a merchant terminal, wherein the request for payment includes an identification code of the customer'"'"'s mobile communication device and a purchase amount; second computer-readable program code for causing the processor to transmit a purchase message to the customer'"'"'s mobile communication device, wherein the purchase message includes;
an identification of the merchant, the purchase amount, and a request for purchase confirmation;third computer-readable program code for causing the processor to receive a response to the request for purchase confirmation transmitted from the customer'"'"'s mobile communication device; and fourth computer-readable program code for causing the processor to transmit to the merchant terminal information identifying a financial account belonging to the customer upon determining that the response to the request for purchase confirmation is affirmative. - View Dependent Claims (9, 10, 11, 12, 13, 14)
-
-
15. A method for enabling a merchant to obtain payment for a purchase from a customer that uses a mobile communication device to make the purchase, the method comprising:
-
receiving a request for payment from a merchant terminal, wherein the request for payment includes an identification code of the customer'"'"'s mobile communication device and a purchase amount; transmitting a purchase message to the customer'"'"'s mobile communication device, wherein the purchase message includes;
an identification of the merchant, the purchase amount, and a request for purchase confirmation;receiving a response to the request for purchase confirmation transmitted from the customer'"'"'s mobile communication device; and
,if the response to the request for purchase confirmation is affirmative, transmitting to the merchant terminal information identifying a financial account belonging to the customer. - View Dependent Claims (21)
-
-
16. A system for enabling a merchant to obtain payment for a purchase from a customer that uses a mobile communication device to make the purchase, the system comprising:
-
means for receiving a request for payment from a merchant terminal, wherein the request for payment includes an identification code of the customer'"'"'s mobile communication device and a purchase amount; means for transmitting a purchase message to the customer'"'"'s mobile communication device, wherein the purchase message includes;
an identification of the merchant, the purchase amount, and a request for purchase confirmation;means for receiving a response to the request for purchase confirmation transmitted from the customer'"'"'s mobile communication device; and means for transmitting to the merchant terminal information identifying a financial account belonging to the customer upon determining that the response to the request for purchase confirmation is affirmative. - View Dependent Claims (22)
-
-
17. A method for enabling a merchant to obtain payment for a purchase from a customer that uses a mobile communication device to make the purchase, the method comprising:
-
receiving a request for payment from a merchant terminal, wherein the request for payment includes an identification code of the customer'"'"'s mobile communication device and a purchase amount; transmitting a purchase message to the customer'"'"'s mobile communication device, wherein the purchase message includes;
an identification of the merchant, the purchase amount, and a request for purchase confirmation;receiving a response to the request for purchase confirmation transmitted from the customer'"'"'s mobile communication device; and causing the purchase amount to be transferred from a financial account of the customer to a financial account of the merchant, and transmitting to the merchant terminal a payment acknowledgment, upon determining that the response to the request for purchase confirmation is affirmative. - View Dependent Claims (23)
-
-
18. A system for enabling a merchant to obtain payment for a purchase from a customer that uses a mobile communication device to make the purchase, the system comprising:
-
means for receiving a request for payment from a merchant terminal, wherein the request for payment includes an identification code of the customer'"'"'s mobile communication device and a purchase amount; means for transmitting a purchase message to the customer'"'"'s mobile communication device, wherein the purchase message includes;
an identification of the merchant, the purchase amount, and a request for purchase confirmation;means for receiving a response to the request for purchase confirmation transmitted from the customer'"'"'s mobile communication device; and means for causing the purchase amount to be transferred from a financial account of the customer to a financial account of the merchant, and transmitting to the merchant terminal a payment acknowledgment, upon determining that the response to the request for purchase confirmation is affirmative. - View Dependent Claims (24)
-
-
25. A mobile communication device including a processor and a memory storing control logic for causing the processor to communicate with a server of a financial transaction account issuer to enable a customer to approve use of a financial transaction account of the customer for payment in a transaction with a merchant, the control logic comprising:
-
first computer-readable program code for causing the processor to receive from the server a purchase message including an identification of the merchant, the purchase amount, and a request for purchase confirmation; and second computer-readable program code for causing the processor to transmit to the server a response to the request for purchase confirmation.
-
-
26. A landline telephone device including a processor and a memory storing control logic for causing the processor to communicate with a server of a financial transaction account issuer to enable a customer to approve use of a financial transaction account of the customer for payment in a transaction with a merchant, the control logic comprising:
-
first computer-readable program code for causing the processor to receive from the server a purchase message including an identification of the merchant, the purchase amount, and a request for purchase confirmation; and second computer-readable program code for causing the processor to transmit to the server a response to the request for purchase confirmation.
-
Specification