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Method of Effecting Cashless Payments and a System for Implementing the Method

  • US 20100223146A1
  • Filed: 12/24/2009
  • Published: 09/02/2010
  • Est. Priority Date: 10/02/2000
  • Status: Abandoned Application
First Claim
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1. A method for cashless payment transactions, comprising:

  • receiving at a gateway a request message from a merchant station, the merchant station associated with a merchant and the request message (a) indicative of a cashless payment transaction involving the merchant and a user of a mobile cell phone and (b) including at least an identifier of the merchant station, an identifier of the mobile cell phone, and a transaction amount;

    performing one or more processing steps including at least (a) validating the merchant based on the identifier of the merchant station, (b) validating the user of the mobile cell phone based on the identifier of the mobile cell phone, and (c) preserving aspects of the cashless payment transaction as an open transaction in transaction memory;

    generating a notification message to the user of the mobile cell phone, the notification message containing at least (a) the identifier of the merchant station and (b) the transaction amount;

    receiving a reply message from the user of the mobile cell phone, the reply message containing at least an indicator from the user of the mobile cell phone signifying acceptance or rejection of the cashless payment transaction; and

    advancing the cashless payment transaction responsive to the indicator signifying acceptance or terminating the cashless payment transaction, and purging the open transaction from transaction memory, responsive to the indicator signifying rejection.

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