AUTHORIZATIONS FOR MOBILE CONTACTLESS PAYMENT TRANSACTIONS
First Claim
1. A consumer mobile appliance for completing a transaction with a retail device, the consumer mobile appliance comprising:
- a first interface to a first wireless communications channel, the first interface to the first wireless communications channel operable to receive transaction information from the retail device, the first interface to the first wireless communications channel operable to send an authorization for the transaction to the retail device;
a first interface to a second communications channel, the first interface to the second communications channel operable to send the transaction information, from the retail device, and payment information to a merchant processor, the first interface to the second communications channel operable to receive the authorization for the transaction; and
a mobile application in communication with the first interface to the first wireless communication channel and the first interface to the second communication channel, the mobile application operable to generate the request for the transaction and provide the request to the first interface to the first communications channel, the mobile application operable to append the payment information to the transaction information, the mobile application operable to provide the payment information and transaction information to the first interface to the second communications channel, the mobile application operable to forward the authorization for the transaction from the first interface to the second communications channel to the first interface to the first communication channel.
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0 Petitions
Accused Products
Abstract
Embodiments generally relate to systems and methods for processing electronic payments for retail services and goods delivered by unattended retail device. In embodiments, an unattended retail device leverages a consumer'"'"'s mobile appliance to send the transaction and payment information to an authorizing authority. The authorizing authority receives the payment and transaction information, authorizes or declines the payment of the transaction, and forwards the authorization or declination to the mobile appliance. The mobile appliance then sends the authorization or declination to the unattended retail device. If authorized, the unattended retail device provides the retail good or service.
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Citations
20 Claims
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1. A consumer mobile appliance for completing a transaction with a retail device, the consumer mobile appliance comprising:
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a first interface to a first wireless communications channel, the first interface to the first wireless communications channel operable to receive transaction information from the retail device, the first interface to the first wireless communications channel operable to send an authorization for the transaction to the retail device; a first interface to a second communications channel, the first interface to the second communications channel operable to send the transaction information, from the retail device, and payment information to a merchant processor, the first interface to the second communications channel operable to receive the authorization for the transaction; and a mobile application in communication with the first interface to the first wireless communication channel and the first interface to the second communication channel, the mobile application operable to generate the request for the transaction and provide the request to the first interface to the first communications channel, the mobile application operable to append the payment information to the transaction information, the mobile application operable to provide the payment information and transaction information to the first interface to the second communications channel, the mobile application operable to forward the authorization for the transaction from the first interface to the second communications channel to the first interface to the first communication channel. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method for authorizing a transaction with a retail device, the method comprising:
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wirelessly sending a request for retail service from a mobile appliance to the retail device; wirelessly receiving transaction information from the retail device; creating payment information for the transaction; appending the payment information to the transaction information; wirelessly sending the appended payment information and transaction information to a merchant processor; wirelessly receiving authorization for the transaction from the merchant processor; and wirelessly sending the authorization to the retail device. - View Dependent Claims (12, 13, 14, 15, 16, 17)
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18. A computer program stored on a computer readable medium, the computer program embodied in one or more instructions for authorizing a transaction at a retail device, the computer program comprising:
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instructions to receive a request for a retail service; instructions to transmit wirelessly transaction information from the retail device to a mobile appliance; instructions to receive an authorization for the retail service; and instructions to provide the retail service in response to the authorization. - View Dependent Claims (19, 20)
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Specification