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

• Current Assignee: Accenture Global Services Limited (Accenture PLC)
• Original Assignee: Accenture Global Services GmbH (Accenture PLC)
• Inventors: Viale, Emmanuel, Light, Jeremy, Hasson, Robert
• Granted Patent: US 8,756,161 B2
• Time in Patent Office: Days
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/00 Commerce

Abstract

The invention concerns a method of making a payment transaction by a customer including steps of receiving, by a mobile device (402) of the customer, merchant data; transmitting, by the mobile device to a remote server (408), a payment transaction request including the merchant data; determining, by the remote server, the identity of the customer based on the request and the identity of the merchant based on the data; and implementing the payment transaction between bank accounts of the customer and the merchant.

Claims

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.

2. The method of claim 1, wherein said payment transaction is made at a point of sale.

3. The method of claim 1, further comprising transmitting a personal identification number (PIN) entered by said customer to said remote server, and verifying said PIN by said remote server.

4. The method of claim 1, further comprising transmitting a confirmation message by said remote server to said mobile device after implementing said payment transaction.

5. The method of claim 1, wherein said merchant data comprises at least one image of a visual token (206) captured by a camera of said mobile device, said visual token comprising encoded data identifying said merchant.

6. The method of claim 5, further comprising, prior to receiving said merchant data by said mobile device, producing said visual token, wherein said visual data further encodes transaction details relating to said payment transaction.

7. The method of claim 5, wherein said step of transmitting said merchant data to said remote server comprises establishing a video call between said mobile device and said remote server, wherein images of said visual token are captured by said camera of said mobile device and transmitted to said remote server as part of said video call.

8. The method of claim 1, wherein said merchant data is transmitted by point of sale equipment (306) to be received by said mobile device.

9. The method of claim 8, wherein said merchant data is transmitted from said point of sale equipment to said mobile device using near field communications.

10. The method of claim 8, wherein said mobile device is selected as the mode of payment for said payment transaction by positioning said mobile device within communication range of said point of sale equipment.

11. The method of claim 8, further comprising:

generating by the point of sale equipment a transaction ID associated with said payment;

transmitting said transaction ID to said remote server; and

transmitting by said remote server said transaction ID to said point of sale equipment to confirm that the payment has been implemented.

12. The method of claim 11, further comprising encrypting said transaction ID by said remote server, said transaction ID transmitted from the remote server to the point of sale equipment being the encrypted transaction ID, and decrypting by the point of sale equipment the transaction ID.

13. The method of claim 1, wherein the identity of said customer is determined based on a caller identification of said mobile device received by said server upon reception of payment transaction request.

14. A system arranged to make a payment transaction by a customer comprising:

a mobile device (202,302) of said customer arranged to receive merchant data; and

a remote server (408) arranged to receive from said mobile device a payment transaction request comprising said merchant data, to determine the identity of said customer based on said request and the identity of said merchant based on said data, and to implement said payment transaction between bank accounts (208,210,308,310) of said customer and said merchant.

15. The system of claim 14, wherein said remote server comprises a memory (409) arranged to store merchant account details associated with said merchant data and customer account details.

16. A server arranged to make a payment transaction between a customer account and a merchant account comprising:

an input interface (502) arranged to receive from a mobile device of the customer a payment transaction request comprising merchant data of the merchant;

a memory (409) arranged to store merchant account details (516) associated with merchant data (514) and to store customer account details (522); and

circuitry (504) arranged to determine the identity of said customer based on said payment transaction request and to select the account details associated with said merchant data and customer account details associated with said customer for use in making said payment transaction.