Mobile Phone Payment Processing Methods and Systems
First Claim
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1. A method for operating a mobile device to complete a payment transaction between a customer and a merchant, where the merchant transmits a merchant payment authorization request message to a transaction management system to initiate transaction processing, the method comprising:
- causing a checkout token to be captured by the mobile device, the checkout token presented to the customer at a point of sale;
transmitting, to said transaction management system, information captured from said checkout token;
receiving, from said transaction management system, information associated with said payment transaction; and
transmitting, to said transaction management system, a customer payment authorization request message including information identifying a selected payment account for use in completing said payment transaction.
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Accused Products
Abstract
Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct payment transactions at merchant locations including brick and mortar locations and remote locations as well as for person to person transactions.
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Citations
63 Claims
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1. A method for operating a mobile device to complete a payment transaction between a customer and a merchant, where the merchant transmits a merchant payment authorization request message to a transaction management system to initiate transaction processing, the method comprising:
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causing a checkout token to be captured by the mobile device, the checkout token presented to the customer at a point of sale; transmitting, to said transaction management system, information captured from said checkout token; receiving, from said transaction management system, information associated with said payment transaction; and transmitting, to said transaction management system, a customer payment authorization request message including information identifying a selected payment account for use in completing said payment transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 59, 60, 61, 62, 63)
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42. A mobile device, operable to conduct a payment transaction at a point of sale device, the mobile device comprising:
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a display screen; a communication port; a processor; a memory; and a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including; instructions for causing a checkout token to be captured by the mobile device, the checkout token presented to the customer at a point of sale; instructions for transmitting, to said transaction management system, information captured from said checkout token; instructions for receiving, from said transaction management system, information associated with said payment transaction; and instructions for transmitting, to said transaction management system, a customer payment authorization request message including information identifying a selected payment account for use in completing said payment transaction.
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43. A method for operating a point of sale system associated with a merchant to complete a payment transaction between the merchant and a customer operating a mobile device, where the mobile device transmits at least one of customer and mobile device authentication data to a transaction management system, the method comprising:
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transmitting, to the transaction management system, a merchant payment authorization request including information identifying at least one of (i) the merchant and (ii) a point of sale device, presenting a checkout token to the customer for capture using the mobile device, the checkout token containing information associated with said merchant payment authorization request, the checkout token for transmission from said mobile device to said transaction management system; receiving, from said transaction management system, a payment authorization message; and completing said payment transaction. - View Dependent Claims (44, 45, 46, 47, 48)
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49. A point of sale system associated with a merchant, operable to complete a payment transaction between the merchant and a customer operating a mobile device, where the mobile device transmits at least one of customer and mobile device authentication data to a transaction management system, the point of sale device comprising:
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a communication port; a processor; a memory; and a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including; instructions for transmitting, to the transaction management system, a merchant payment authorization request including information identifying at least one of (i) the merchant and (ii) a point of sale device, instructions for presenting a checkout token to the customer for capture using the mobile device, the checkout token containing information associated with said merchant payment authorization request, the checkout token for transmission from said mobile device to said transaction management system; instructions for receiving, from said transaction management system, a payment authorization message; and instructions for completing said payment transaction.
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50. A method for operating a device to complete a payment transaction involving a customer and a merchant, the method comprising:
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receiving, from the merchant, a merchant payment authorization request, including information identifying at least one of (i) the merchant and (ii) a point of sale device; receiving a customer authentication request from said mobile device and authenticating at least one of said customer and said mobile device; receiving, from said mobile device, a customer transaction lookup request including information captured from a checkout token; matching said information captured from said checkout token to information associated with said merchant payment authorization request; identifying a set of available customer payment accounts for use in said payment transaction; transmitting, to said mobile device, information associated with said merchant payment authorization request and information identifying said set of available customer payment accounts; receiving, from said mobile device, a customer payment authorization request including information identifying at least one payment account selected from said set of available customer payment accounts; and obtaining an authorization of said payment transaction based on said customer payment authorization request. - View Dependent Claims (51, 52)
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53. A transaction management system for use in completing a payment transaction between a customer operating a mobile device and a merchant, the transaction management system comprising:
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a communication port; a processor; a memory; and a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including; instructions for receiving, from the merchant, a merchant payment authorization request, including information identifying at least one of (i) the merchant and (ii) a point of sale device; instructions for receiving a customer authentication request from said mobile device and authenticating at least one of said customer and said mobile device; instructions for receiving, from said mobile device, a customer transaction lookup request including information captured from a checkout token; instructions for matching said information captured from said checkout token to information associated with said merchant payment authorization request; instructions for identifying a set of available customer payment accounts for use in said payment transaction; instructions for transmitting, to said mobile device, information associated with said merchant payment authorization request and information identifying said set of available customer payment accounts; instructions for receiving, from said mobile device, a customer payment authorization request including information identifying at least one payment account selected from said set of available customer payment accounts; and instructions for obtaining an authorization of said payment transaction based on said customer payment authorization request.
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54. A method for operating a mobile device to conduct a payment transaction at a point of sale, comprising:
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receiving, by said mobile device, a checkout token associated with said point of sale; selecting a first payment account for use in said payment transaction; transmitting a mobile payment request message to a remote transaction management system, said mobile payment request message including information identifying said first payment account and said checkout token, said mobile payment request message usable by said remote transaction management system to authorize said payment transaction. - View Dependent Claims (55, 56, 57, 58)
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Specification