Systems and Methods for Handling Point-of-Sale Transactions Using a Mobile Device

• US 20100161433A1
• Filed: 12/19/2008
• Published: 06/24/2010
• Est. Priority Date: 08/04/2008
• Status: Active Grant

• Current Assignee: Marqeta, Inc.
• Original Assignee: AT&T Mobility II LLC (AT&T, Inc.)
• Inventors: White, Spencer
• Granted Patent: US 9,053,474 B2
• Time in Patent Office: Days
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/3223 Realising banking transactions through 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 30/06 Buying, selling or leasing transactions

Abstract

Systems and methods for handling point-of-sale transactions using a mobile device are provided herein. In one embodiment, a method for providing payment via a mobile device in a transaction for a good or service can include receiving a selection on the mobile device of a transaction account from which to fund payment in a transaction for a good or service. The method can further include generating and sending a notification to a network processing system (NPS). The notification can identify the selected transaction account. The NPS can be configured to associate the selected transaction account with an NPS account for one or more future transactions. The method can further include sending a customer identifier to a point-of-sale (POS) system via a short-range communications medium to complete the transaction. In another embodiment, methods for handling payment in a mobile e-commerce network are provided.

Claims

1. A method for providing payment via a mobile device in a transaction for an item or service, comprising:

receiving a selection on the mobile device of a transaction account from which to fund payment in a transaction for an item or service;

generating and sending a notification to a network processing system (NPS), the notification identifying the selected transaction account, and the NPS being configured to associate the selected transaction account with an NPS account identified by a customer identifier, for at least one future transaction; and

sending the customer identifier to a point-of-sale (POS) system via a short-range communications medium to complete the transaction.

2. The method of claim 1, wherein receiving the selection on the mobile device of the transaction account from which to fund the payment in the transaction for an item or service comprises, receiving the selection on the mobile device of the transaction account associated with one of a bank account, a checking account, a savings account, a money market account, a stock account, a mutual fund account, a bond account, a debit account, a points account, a charge account, a credit card account, a mortgage loan account, a line of credit account, a home equity line of credit account, a gift card account, a prepaid monetary card account, and a merchant-specific account.

3. The method of claim 1, wherein sending the customer identifier to the POS system via the short-range communications medium to complete the transaction comprises, sending one of a telephone number, an International Mobile Subscriber Identity (IMSI), an International Mobile Equipment Identity (IMEI), a virtual account number, a transaction account number, indicia provided by a customer, indicia provided by a merchant, indicia provided by the NPS, indicia provided by a wireless service provider, indicia provided by a wireline service provider, and indicia provided by a third-party to the POS system via the short-range communications medium to complete the transaction.

4. The method of claim 1, wherein sending the customer identifier to the POS system via the short-range communications medium to complete the transaction comprises, sending the customer identifier to the POS system via one of near-field communications (NFC), radio frequency identification (RFID), infrared (IR), a barcode, and BLUETOOTH®

.

5. A method for providing payment in a mobile e-commerce network, comprising:

storing, in an account repository of a network processing system (NPS), at least one transaction account associated with an NPS account identified by a customer identifier;

receiving, at the NPS, a notification identifying a transaction account selection, the transaction account selection designating one of the transaction accounts for use in at least one future transaction; and

receiving the customer identifier from a point-of-sale (POS) system in a request to use the designated transaction account from the NPS account to complete a transaction.

6. The method of claim 5, wherein storing, in the account repository of the NPS, the at least one transaction account associated with the customer identifier comprises, storing, in the account repository of the NPS, at least one of a bank account, a checking account, a savings account, a money market account, a stock account, a mutual fund account, a bond account, a debit account, a points account, a charge account, a credit card account, a mortgage loan account, a line of credit account, a home equity line of credit account, a gift card account, a prepaid monetary card account, and a merchant-specific account associated with the customer identifier.

7. The method of claim 5, wherein storing, in the account repository of the NPS, the at least one transaction account associated with the customer identifier comprises storing, in the account repository of the NPS, the transaction account associated with one of a telephone number, an International Mobile Subscriber Identity (IMSI), an International Mobile Equipment Identity (IMEI), a virtual account number, a transaction account number, indicia provided by a customer, indicia provided by a merchant, indicia provided by the NPS, indicia provided by a wireless service provider, indicia provided by a wireline service provider, and indicia provided by a third-party.

8. The method of claim 5 further comprising sending transaction account information for the designated transaction account to the POS system for payment processing.

9. The method of claim 5 further comprising authorizing payment using the designated transaction account with a financial institution associated with the designated transaction account for the transaction.

10. The method of claim 9 further comprising sending a confirmation to the POS system to confirm that payment for the transaction has been authorized.

11. The method of claim 5 further comprising sending account information for the designated transaction account to the POS system for forwarding to a financial institution gateway for payment processing.

12. A method for providing payment in a mobile e-commerce network, comprising:

storing, in an account repository of a network processing system (NPS), at least one transaction account associated with an NPS account identified by a customer identifier;

receiving, at the NPS, a notification identifying a transaction account selection, the transaction account selection designating one of the transaction accounts for use in at least one future transaction;

receiving the customer identifier from a financial institution gateway in a request to use the designated transaction account from the NPS account to complete a transaction; and

authorizing payment using the designated transaction account with a financial institution associated with the designated transaction account for the transaction.

13. The method of claim 12, wherein storing, in the account repository of the NPS, the at least one transaction account associated with the customer identifier comprises, storing, in the account repository of the NPS, at least one of a bank account, a checking account, a savings account, a money market account, a stock account, a mutual fund account, a bond account, a debit account, a points account, a charge account, a credit card account, a mortgage loan account, a line of credit account, a home equity line of credit account, a gift card account, a prepaid monetary card account, and a merchant-specific account associated with the customer identifier.

14. The method of claim 12, wherein storing, in the account repository of the NPS, the at least one transaction account associated with the customer identifier comprises, storing, in the account repository of the NPS, the transaction account associated with one of a telephone number, an International Mobile Subscriber Identity (IMSI), an International Mobile Equipment Identity (IMEI), a virtual account number, a transaction account number, indicia provided by a customer, indicia provided by a merchant, indicia provided by the NPS, indicia provided by a wireless service provider, indicia provided by a wireline service provider, and indicia provided by a third-party.

15. A mobile device, comprising:

a processor;

a memory comprising an application, executable by the processor, and configured to allow selection of a transaction account to use for payment of items or services provided by a merchant;

a transceiver configured to communicate with a network processing system (NPS) to send a notification identifying the selected transaction account for at least one future transaction; and

a short-range communications module (SRCM) configured to communicate, via a short-range communications medium, with a point-of-sale (POS) system associated with the merchant to send a customer identifier to complete a transaction.

16. The mobile device of claim 15, wherein the transaction account is one of a bank account, a checking account, a savings account, a money market account, a stock account, a mutual fund account, a bond account, a debit account, a points account, a charge account, a credit card account, a mortgage loan account, a line of credit account, a home equity line of credit account, a gift card account, a prepaid monetary card account, and a merchant-specific account.

17. The mobile device of claim 15, wherein the application is further configured to allow transaction account management.

18. The mobile device of claim 15, wherein the SRCM is one of a near-field communications (NFC) module, a radio frequency identification (RFID) module, an infrared (IR) module, a barcode, and a BLUETOOTH®

.

19. The mobile device of claim 15 further comprising a case configured to at least partially house the processor, the memory, and the transceiver.

20. The mobile device of claim 19, wherein the SRCM is attached to the case.

21. The mobile device of claim 19, wherein the SRCM is molded into a portion of the case.

22. The mobile device of claim 18, wherein the SRCM is embedded in the mobile device.

23. The mobile device of claim 18, wherein the SRCM is a stand-alone module.

24. The mobile device of claim 18, wherein the SRCM is an integrated module.

25. The mobile device of claim 18, wherein the SRCM is included in a Subscriber Identity Module (SIM).

26. The mobile device of claim 18, wherein the SRCM is included in a removable media.

27. A method for providing payment in an e-commerce network, comprising:

receiving, at a network processing system (NPS), a customer identifier from a point-of-sale (POS) system, the customer identifier first being sent from a mobile device to the POS system for payment in a transaction for an item or service;

determining, at the NPS, from the customer identifier, a telephone number associated with the mobile device;

sending, from the NPS, a message to the mobile device requesting authorization to charge a selected account;

receiving, at the NPS, a response message from the mobile device, the response message comprising an account selection;

authorizing payment with a financial institution identified by the account selection; and

sending, from the NPS, the customer identifier to the POS with confirmation of a successful payment.