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USING VISUAL IMAGES TRANSFERRED FROM WIRELESS COMPUTING DEVICE DISPLAY SCREENS

  • US 20090099936A1
  • Filed: 12/22/2008
  • Published: 04/16/2009
  • Est. Priority Date: 12/19/2002
  • Status: Active Grant
First Claim
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1. A machine readable storage, having stored thereon a computer program having a plurality of code sections executable by a machine for causing the machine to perform the steps of:

  • receiving a user input in a wireless computing device specifying an account to which a proposed transaction is to be billed;

    identifying contact information for a billing entity according to the user specified account, wherein the billing entity manages the account;

    requesting an authorization from the billing entity via a wireless communications link established using the contact information;

    receiving the authorization from the billing entity via the wireless communications link;

    dynamically encoding the billing entity and the authorization received from the billing entity into a pattern using a protocol for a visual image reader of a point of sale (POS) system associated with a merchant processing system;

    generating a bar code upon a display screen of the wireless computing device from the pattern;

    presenting the display screen of the wireless computing device to the visual image reader; and

    scanning the bar code using the visual image reader;

    detecting the pattern in the bar code and retrieving the billing entity and the authorization encoded in the pattern;

    verifying the retrieved authorization with the billing entity retrieved from the pattern;

    the verification step being performed by the merchant processing system and the billing entity, the merchant processing system determining contact information for the billing entity retrieved from the bar code, the merchant processing system sending the retrieved authorization to the retrieved billing entity, and the merchant processing system receiving a response from the retrieved billing entity indicating whether the proposed transaction was authorized; and

    completing the transaction if the retrieved authorization is verified by the retrieved billing entity.

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