MOBILE TELEPHONE TRANSACTION SYSTEMS AND METHODS
First Claim
Patent Images
1. A computer-implemented method for using a mobile telephone as a payment device, comprising:
- receiving, by a payment application executing the mobile telephone, a request to engage in a payment transaction using the mobile telephone as the payment device;
prompting a user of the mobile telephone to specify a payment source for the payment transaction;
transmitting the request to initiate the payment transaction and the specified payment source to a transaction server;
receiving a payment code from the transaction server; and
displaying, on a display screen of the mobile telephone, a representation of the payment code, wherein the representation of the payment code is presented to a point-of-sale system of a merchant participating in the payment transaction, wherein the point-of-sale system is configured to transmit an indication of the payment code and a transaction amount to the transaction server, and wherein the transaction server is configured to perform the payment transaction using the specified payment source for the payment amount.
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Accused Products
Abstract
Techniques are disclosed for a mobile telephone, in conjunction with a payment transaction server, to be used directly as a payment device for a variety of financial transactions. Further, the transaction systems and methods for mobile telephone devices described herein allow a mobile telephone to participate in payment transactions in a manner that helps prevent identify theft and without relying on transferring amounts to/from one stored value account to another.
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Citations
24 Claims
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1. A computer-implemented method for using a mobile telephone as a payment device, comprising:
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receiving, by a payment application executing the mobile telephone, a request to engage in a payment transaction using the mobile telephone as the payment device; prompting a user of the mobile telephone to specify a payment source for the payment transaction; transmitting the request to initiate the payment transaction and the specified payment source to a transaction server; receiving a payment code from the transaction server; and displaying, on a display screen of the mobile telephone, a representation of the payment code, wherein the representation of the payment code is presented to a point-of-sale system of a merchant participating in the payment transaction, wherein the point-of-sale system is configured to transmit an indication of the payment code and a transaction amount to the transaction server, and wherein the transaction server is configured to perform the payment transaction using the specified payment source for the payment amount. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A computer-readable storage medium containing a program, which, when executed on a processor performs an operation for using a mobile telephone as a payment device, the operation comprising:
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receiving, by a payment application executing the mobile telephone, a request to engage in a payment transaction using the mobile telephone as the payment device; prompting a user of the mobile telephone to specify a payment source for the payment transaction; transmitting the request to initiate the payment transaction and the specified payment source to a transaction server; receiving a payment code from the transaction server; and displaying, on a display screen of the mobile telephone, a representation of the payment code, wherein the representation of the payment code is presented to a point-of-sale system of a merchant participating in the payment transaction, wherein the point-of-sale system is configured to transmit an indication of the payment code and a transaction amount to the transaction server, and wherein the transaction server is configured to perform the payment transaction using the specified payment source for the payment amount. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A mobile telephone device, comprising:
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a processor; and a memory containing a payment application, which when executed by the processor performs an operation for using the mobile telephone as a payment device, the operation comprising; receiving a request to initiate a payment transaction using the mobile telephone as the payment device; prompting a user of the mobile telephone to specify a payment source for the payment transaction; transmitting the request to initiate the payment transaction and the specified payment source to a transaction server; receiving a payment code from the transaction server; and displaying, on a display screen of the mobile telephone, a representation of the payment code, wherein the representation of the payment code is presented to a point-of-sale system of a merchant participating in the payment transaction, wherein the point-of-sale system is configured to transmit an indication of the payment code and a transaction amount to the transaction server, and wherein the transaction server is configured to perform the payment transaction using the specified payment source for the payment amount. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24)
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Specification