SYSTEM AND METHOD FOR PAYMENT USING A MOBILE ELECTRONIC DEVICE

• US 20100009663A1
• Filed: 06/26/2009
• Published: 01/14/2010
• Est. Priority Date: 07/11/2008
• Status: Active Grant

• Current Assignee: Chi Mei Communication Systems Incorporated (Hon Hai Precision Industry Co., Ltd.)
• Original Assignee: Chi Mei Communication Systems Incorporated (Hon Hai Precision Industry Co., Ltd.)
• Inventors: CHANG, CHI-HAO
• Granted Patent: US 8,244,207 B2
• Time in Patent Office: Days
• US Class Current: 455/414.100
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• 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

Abstract

A system and method of payment using a mobile electronic device establishes a wireless communication connection between a credit card terminal and a credit card system, and logging in the credit card system. The system and method further receives a two-dimensional barcode from the credit card system, wherein the two-dimensional barcode comprising the authorization information, and sends the two-dimensional barcode to the credit card terminal to verify validity of the authorization information. Furthermore, the system and method receives a verification result from the credit card terminal, and prompts a user for payment on a display device of the mobile electronic device, in response to a determination that the authorization information is valid.

Claims

1. A payment system using a mobile electronic device, the mobile electronic device comprising a memory system storing a plurality of programs and a processor that executes one or more operations for the plurality of programs, the programs comprising:

a connecting module operable to establish a wireless communication connection between a credit card terminal and a credit card system corresponding to a credit card;

a login module operable to log into the credit card system using an inputted credit card number and password;

a determining module operable to determine if the credit card number and the password are correct;

a receiving module operable to receive a two-dimensional barcode generated by the credit card system, and to display the two-dimensional barcode on a display device of the mobile electronic device, in response to a determination that the credit card number and the password are correct, wherein the two-dimensional barcode comprises authorization information;

a sending module operable to send the two-dimensional barcode to the credit card terminal to verify validity of the authorization information;

the receiving module further operable to receive a verification result from the credit card terminal;

the determining module further operable to determine if the authorization information is valid according to the verification result; and

a prompting module operable to display a prompt for prompting a user for payment on the display device of the mobile electronic device, in response to a determination that the authorization information is valid.

2. The system of claim 1, wherein the authorization information comprises a name of the credit cardholder, a credit card number, an issued date of the credit card, an expired date of the credit card, and a timestamp of the authorization information.

3. The system of claim 1, wherein the credit card terminal decodes the two-dimensional barcode to verify validity of the authorization information using a physical barcode reader of the credit card terminal.

4. The system of claim 1, wherein the mobile electronic device is a mobile phone or a personal digital assistant (PDA).

5. The system of claim 1, wherein the memory system is selected from the group consisting of a smart media card (SMC), a secure digital card (SDC), a compact flash card (CFC), a multi media card (MMC), a memory system stick (MS), an extreme digital card (XDC), and a trans flash card (TFC).

6. A computer-implemented method of payment using a mobile electronic device, the method comprising:

establishing a wireless communication connection between a credit card terminal and a credit card system corresponding to a credit card;

logging into the credit card system using an inputted credit card number and password;

receiving a two-dimensional barcode generated by the credit card system and displaying the two-dimensional barcode on a display device of the mobile electronic device, in response to a determination that the credit card number and the password are correct, wherein the two-dimensional barcode comprises authorization information;

sending the two-dimensional barcode to the credit card terminal to verify validity of the authorization information;

receiving a verification result from the credit card terminal; and

displaying a prompt for prompting a user for payment on the display device of the mobile electronic device, in response to a determination that the authorization information is valid.

7. The method of claim 6, wherein the authorization information comprises a name of the credit cardholder, a credit card number, an issued date of the credit card, an expired date of the credit card, and a timestamp of the authorization information.

8. The method of claim 6, wherein the credit card terminal decodes the two-dimensional barcode to verify validity of the authorization information using a physical barcode reader of the credit card terminal.

9. The method of claim 6, wherein the mobile electronic device is a mobile phone or a personal digital assistant (PDA).

10. The method of claim 6, wherein the memory system is selected from the group consisting of a smart media card (SMC), a secure digital card (SDC), a compact flash card (CFC), a multi media card (MMC), a memory system stick (MS), an extreme digital card (XDC), and a trans flash card (TFC).

11. A storage medium having stored thereon instructions that, when executed by a mobile electronic device, causes the mobile electronic device to perform a method of payment using a mobile electronic device, the method comprising:

establishing a wireless communication connection between a credit card terminal and a credit card system corresponding to a credit card;

logging into the credit card system using an inputted credit card number and password;

receiving a two-dimensional barcode generated by the credit card system and displaying the two-dimensional barcode on a display device of the mobile electronic device, in response to a determination that the credit card number and the password are correct, wherein the two-dimensional barcode comprises authorization information;

sending the two-dimensional barcode to the credit card terminal to verify validity of the authorization information;

receiving a verification result from the credit card terminal; and

displaying a prompt for prompting a user for payment on the display device of the mobile electronic device, in response to a determination that the authorization information is valid.

12. The medium of claim 11, wherein the authorization information comprises a name of the credit cardholder, a credit card number, an issued date of the credit card, an expired date of the credit card, and a timestamp of the authorization information.

13. The medium of claim 11, wherein the credit card terminal decodes the two-dimensional barcode to verify validity of the authorization information using a physical barcode reader of the credit card terminal.

14. The medium of claim 11, wherein the mobile electronic device is a mobile phone or a personal digital assistant (PDA).

15. The medium of claim 11, wherein the memory system is selected from the group consisting of a smart media card (SMC), a secure digital card (SDC), a compact flash card (CFC), a multi media card (MMC), a memory system stick (MS), an extreme digital card (XDC), and a trans flash card (TFC).