Mobile Commerce Authentication And Authorization Systems

• US 20110131104A1
• Filed: 05/28/2010
• Published: 06/02/2011
• Est. Priority Date: 06/02/2009
• Status: Active Grant

• Current Assignee: Qualcomm, Inc.
• Original Assignee: Qualcomm, Inc.
• Inventors: Lauer, Craig B., Waltman, Joan T., Rose, Gregory Gordon
• Granted Patent: US 9,734,495 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 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• 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 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

Mobile commerce authentication and authorization systems enable currently existing point-of-sale devices that are neither structurally nor systemically altered to conduct financial transactions with a customer using an access terminal across a wireless communications system. The point-of-sale devices receive an input from a payment instrument replacement, which identifies the transaction to the point-of-sale device as a transaction including an access terminal. Authentication of the user of the access terminal is achieved at least by application of position and/or location determinable features of the access terminal, the position and/or location of a point-of-sale device of a vendor or merchant where the customer seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A payment matching server may assist in processing the location data and the payment sum amount across communications network.

Claims

1. A method operational at a point-of-sale device for facilitating a payment transaction using a payment matching server, the method comprising:

computing a transaction amount;

receiving an input from a payment instrument replacement that indicates a payment transaction is being performed with an access terminal;

generating a payment request message including the transaction amount and one or more location parameters; and

sending the payment request message to a payment matching server that compares the payment request message with a payment message from the access terminal to effectuate the transaction.

2. The method of claim 1, wherein receiving the input from the payment instrument replacement comprises receiving the same input irrespective of a customer identity.

3. The method of claim 1, wherein receiving the input from the payment instrument replacement comprises receiving the input excluding an identification of a customer account.

4. The method of claim 1, wherein receiving the input from the payment instrument replacement includes receiving an input indicating that the payment request message is to be sent to the payment matching server.

5. The method of claim 1, wherein generating the payment request message including the transaction amount and one or more location parameters comprises generating the payment request message including one or more location parameters that include at least one of a vendor name, a vendor identifier, a vendor location or a cashier identifier.

6. The method of claim 5, wherein the vendor identifier includes a geographical location indicating a location of the point-of-sale device.

7. The method of claim 1, further comprising generating the payment request message to further include at least one of a transaction identifier, a transaction time or a transaction date.

8. The method of claim 1, wherein generating the payment request message including the transaction amount and one or more location parameters comprises obtaining the one or more location parameters from information communicated from the payment instrument replacement.

9. The method of claim 1, further comprising wirelessly communicating the transaction amount to an access terminal.

10. The method of claim 1, further comprising receiving a transaction confirmation from the payment matching server.

11. A point-of-sale device for facilitating a payment transaction using a payment matching server, comprising:

a network communication interface for communicating over a network;

a payment input module for receiving one or more forms of payment for a transaction; and

a processing circuit coupled to the network communication interface and the payment input module, the processing circuit adapted to;

compute a transaction amount;

receive an input from the payment input module when a payment instrument replacement is received at the payment input module, wherein the input indicates that a customer is using an access terminal for payment; and

send a payment request message to a payment matching server when the input is received from the payment input module, wherein the payment request message includes the transaction amount and one or more location parameters.

12. The point-of-sale device of claim 11, wherein the payment input module comprises at least one of a magnetic stripe card reader or a proximity token reader.

13. The point-of-sale device of claim 11, wherein the input received from the payment input module when a payment instrument replacement is received at the payment input module is the same input, irrespective of a customer identity.

14. The point-of-sale device of claim 11, wherein the input received from the payment input module when a payment instrument replacement is received at the payment input module is disassociated with a customer account.

15. The point-of-sale device of claim 11, wherein the one or more location parameters includes at least one of a vendor name, a vendor identifier, a vendor location or a cashier identifier.

16. The point-of-sale device of claim 15, wherein the vendor location includes a geographical location indicating a location of the point-of-sale device.

17. The point-of-sale device of claim 11, wherein the payment request message further includes at least one of a transaction identifier, a transaction time or a transaction date.

18. The point-of-sale device of claim 11, wherein the processing circuit is adapted to obtain the one or more location parameters from information stored in the payment instrument replacement.

19. The point-of-sale device of claim 11, further comprising a peer-to-peer communication interface for communicating with one or more access terminals.

20. The point-of-sale device of claim 19, wherein the processing circuit is adapted to send the transaction amount to an access terminal via the peer-to-peer communication interface.

21. The point-of-sale device of claim 11, wherein the processing circuit is further adapted to send the payment request message over the network to a payment matching server when a payment instrument replacement is received at the payment input module.

22. The point-of-sale device of claim 21, wherein the processing circuit is further adapted to receive a transaction confirmation from the payment matching server via the network communication interface, if the transaction amount and the one or more location parameters are verified by the payment matching server based on information provided by the access terminal.

23. A point-of-sale device for facilitating a payment transaction using a payment matching server, comprising:

means for computing a transaction amount;

means for receiving an input from a payment instrument replacement when a customer requests payment by using an access terminal;

means for generating a payment request message including the transaction amount and one or more location parameters; and

means for sending the payment request message over a network to a payment matching server.

24. The point-of-sale device of claim 23, wherein the input from the payment instrument replacement indicates that the payment transaction should be performed using the payment matching server.

25. The point-of-sale device of claim 23, wherein the input from the payment instrument replacement is the same for all customers.

26. The point-of-sale device of claim 23, wherein the one or more location parameters includes at least one of a vendor name, a vendor identifier, a vendor location or a cashier identifier.

27. A machine-readable medium comprising instructions operational on a point-of-sale device for facilitating a payment transaction using a payment matching server, which when executed by a processor causes the processor to:

receive an input from the payment input module when a payment instrument replacement is received at the payment input module, wherein the input indicates that a customer is using an access terminal for payment;

generate a payment request message when the input is received from the payment input module, the payment request message including a transaction amount and one or more location parameters; and

send the payment request message to a payment matching server.

28. The machine-readable medium of claim 27, wherein the one or more location parameters includes at least one of a vendor name, a vendor identifier, a vendor location or a cashier identifier.

29. The machine-readable medium of claim 27, wherein the input from the payment instrument replacement includes the one or more location parameters.

30. The machine-readable medium of claim 27, wherein the input from the payment instrument replacement is the same for all customers.

31. A payment instrument replacement adapted to be received by a payment input module of a point-of-sale device, the payment instrument replacement comprising:

a storage media including information adapted to trigger processing of a payment transaction at a point-of-sale device by a payment matching server that compares a payment request message from the point-of-sale device with a payment message from an access terminal to effectuate the transaction; and

an information-conveying interface readable by the point-of-sale device for conveying the information to the point-of-sale device.

32. The payment instrument replacement of claim 31, wherein the information is the same, irrespective of a customer identity.

33. The payment instrument replacement of claim 31, wherein the information-conveying interface is configured as at least one of a magnetic stripe or a radio frequency transmitter.

34. The payment instrument replacement of claim 31, wherein the information stored by the storage media includes one or more location parameters.

35. The payment instrument replacement of claim 34, wherein the one or more location parameter'"'"'s includes at least one of a vendor name, a vendor identifier, a vendor location or a cashier identifier.

36. The payment instrument replacement of claim 35, wherein the vendor location includes a geographical location indicating a location of the point-of-sale device.

37. The payment instrument replacement of claim 31, wherein the information stored by the storage media includes information adapted to cause the point-of-sale device to send a payment request message to the payment matching server.

38. A method of using a payment instrument replacement, comprising:

storing information adapted to trigger processing of a payment transaction at a point-of-sale device by a payment matching server that compares a payment request message from the point-of-sale device with a payment message from an access terminal to effectuate the transaction; and

conveying the information to the point-of-sale device.

39. The method of claim 38, wherein conveying the information from the payment instrument replacement to the point-of-sale device comprises conveying the information from a payment instrument replacement configured as at least one of a magnetic stripe card or a proximity token.

40. The method of claim 38, wherein conveying the information includes conveying at least one location parameter.

41. The method of claim 40, wherein the at least one location parameter includes at least one of a vendor name, a vendor identifier, a vendor location or a cashier identifier.

42. The method of claim 41, wherein the vendor location includes a geographical location indicating a location of the point-of-sale device.

43. The method of claim 38, wherein conveying the information includes conveying the same information for all customers.

44. A payment instrument replacement adapted to be received by a payment input module of a point-of-sale device, the payment instrument replacement comprising:

means for storing information adapted to trigger processing of a payment transaction at a point-of-sale device by a payment matching server that compares a payment request message from the point-of-sale device with a payment message from an access terminal to effectuate the transaction; and

means for conveying the information to the point-of-sale device.

45. The payment instrument replacement of claim 44, wherein the means for conveying the information to the point-of-sale device includes at least one of a magnetic stripe or a radio frequency.

46. The payment instrument replacement of claim 44, wherein the means for conveying the information to the point-of-sale device includes means for conveying the same information, irrespective of the a customer identity, from the payment instrument replacement to the point-of-sale device.

47. A machine-readable medium comprising instructions operational on a point-of-sale device for facilitating a payment transaction using a payment matching server, which when executed by a processor causes the processor to:

recognize that a payment instrument replacement is being used for a transaction; and

trigger processing of a payment transaction at a point-of-sale device by a payment matching server that compares a payment request message from the point-of-sale device with a payment message from an access terminal to effectuate the transaction.