SYSTEMS, METHODS AND APPARATUS FOR FACILITATING TRANSACTIONS USING A MOBILE DEVICE
First Claim
1. A method for requesting the completion of a payment transaction by a mobile device, the method comprising:
- receiving, at a mobile device from a point of sale device, information associated with a proposed transaction; and
communicating, from the mobile device to a transaction processor, a request to approve the proposed transaction, the request comprising at least a portion of the received information and an identifier associated with the mobile device,wherein the transaction processor determines whether to approve the proposed transaction and communicates an approval or decline message to the point of sale device.
8 Assignments
0 Petitions
Accused Products
Abstract
Systems, methods and apparatus for facilitating transactions using a mobile device are provided by certain embodiments of the invention. Information associated with a proposed transaction may be received at a mobile device from a point of sale device. The mobile device may communicate a request to approve the proposed transaction to a transaction processor. The request may at least a portion of the received information and an identifier associated with the mobile device. The transaction processor may determine whether to approve the proposed transaction and communicate an approval or decline message to the point of sale device.
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Citations
21 Claims
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1. A method for requesting the completion of a payment transaction by a mobile device, the method comprising:
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receiving, at a mobile device from a point of sale device, information associated with a proposed transaction; and communicating, from the mobile device to a transaction processor, a request to approve the proposed transaction, the request comprising at least a portion of the received information and an identifier associated with the mobile device, wherein the transaction processor determines whether to approve the proposed transaction and communicates an approval or decline message to the point of sale device. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A mobile device operable to facilitate a payment transaction, the mobile device comprising:
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at least one input device operable to receive, from a point of sale device, information associated with a proposed transaction; at least one communications interface operable to communicate a request to approve the proposed transaction to a transaction processor; and at least one processor operable (i) to utilize at least a portion of the received information associated with a proposed transaction and an identifier associated with the mobile device to generate the request to approve the proposed transaction and (ii) to direct the communication of the generated request to the transaction processor, wherein the transaction processor determines whether to approve the proposed transaction and communicates an approval or decline message to the point of sale device. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15)
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16. A method for facilitating a payment transaction requested by a mobile device, the method comprising:
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receiving, at a transaction processor from a mobile device, a request to approve a proposed transaction, wherein the request comprises an identifier associated with the mobile device and transaction information received by the mobile device from a point of sale device; identifying a payment account to be utilized for the proposed transaction; determining, based at least in part on the received transaction information, whether to approve the proposed transaction; and communicating an approval or decline message to the point of sale device. - View Dependent Claims (17, 18, 19)
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20. A system for facilitating a payment transaction, the system comprising:
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at least one communications interface operable (i) to receive, from a mobile device, a request to approve a proposed transaction, wherein the request comprises an identifier associated with the mobile device and transaction information received by the mobile device from a point of sale device, and (ii) to communicate an approval or decline message to the point of sale device; and at least one processor operable (i) to identify a payment account to be utilized for the proposed transaction, (ii) to determine, based at least in part on the received transaction information, whether to approve the proposed transaction, and (iii) to direct the communication of the approval or decline message to the point of sale device.
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21. A method for facilitating a payment transaction with a mobile device, the method comprising:
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receiving, at a mobile device from a tone transmission device, information associated with a proposed transaction, wherein the information comprises an identifier of a merchant; and communicating, from the mobile device to a transaction processor, a request to approve the proposed transaction, the request comprising at least a portion of the received information and an identifier associated with the mobile device, wherein the transaction processor determines whether to approve the proposed transaction and communicates an approval or decline message to the merchant.
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Specification