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MOBILE TELEPHONE TRANSACTION SYSTEMS AND METHODS

  • US 20090281904A1
  • Filed: 03/26/2009
  • Published: 11/12/2009
  • Est. Priority Date: 04/02/2008
  • Status: Abandoned Application
First Claim
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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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