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Customer Initiated Payment Method Using Mobile Device

  • US 20090240626A1
  • Filed: 02/10/2009
  • Published: 09/24/2009
  • Est. Priority Date: 02/11/2008
  • Status: Active Grant
First Claim
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1. A method of making a payment transaction by a customer comprising:

  • receiving, by a mobile device (202,302) of the customer, merchant data;

    transmitting, by said mobile device to a remote server (408), a payment transaction request comprising said merchant data;

    determining, by said remote server, the identity of said customer based on said request and the identity of said merchant based on said data; and

    implementing said payment transaction between bank accounts (208, 210, 308, 310) of said customer and said merchant.

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