MOBILE DEVICE PAYMENT SYSTEM
First Claim
1. A method of making a payment using a mobile device, comprising:
- transmitting, by a mobile device system, a transaction data set including a user account identification for a payment service account to a transceiver of a reader computer at a merchant location within a vicinity of the mobile device system, the reader computer being connected to a merchant computer network system in communication with a computer system of a payment service, the transmitting is associated with a transaction;
receiving, at the mobile device that is associated with the user account identification, a message requesting approval of the transaction from the computer system of the payment service via a communication network accessible by the mobile device; and
sending a response message from the mobile device including a purchase decision for the transaction to the computer system of the payment service via the communication network.
0 Assignments
0 Petitions
Accused Products
Abstract
Technology is provided for using a mobile device as part of a payment system. The mobile device utilizes an accessory with a security feature based on its connection state to the mobile device. When the accessory detects disconnection, the accessory deletes user account information on the accessory. When in a valid connection state, the accessory transmits a user payment service account identification and an accessory identification to a transceiver of a merchant computer system to initiate a transaction. A payment service system eventually receives the information transmitted by the accessory, and contacts the mobile device associated with the account for transaction approval in one example. Thus, the user initiates the transaction at his/her mobile device using the connected mobile device accessory, and approves the transaction on his/her mobile device. In other examples, the user can send approval in a transmission to the merchant system or set up other pre-authorization criteria.
-
Citations
32 Claims
-
1. A method of making a payment using a mobile device, comprising:
-
transmitting, by a mobile device system, a transaction data set including a user account identification for a payment service account to a transceiver of a reader computer at a merchant location within a vicinity of the mobile device system, the reader computer being connected to a merchant computer network system in communication with a computer system of a payment service, the transmitting is associated with a transaction; receiving, at the mobile device that is associated with the user account identification, a message requesting approval of the transaction from the computer system of the payment service via a communication network accessible by the mobile device; and sending a response message from the mobile device including a purchase decision for the transaction to the computer system of the payment service via the communication network. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
-
-
11. A removable accessory for a mobile device for use in a mobile device payment system comprising:
-
an external input interface for physically connecting the removable accessory to the mobile device; an accessory processor communicatively coupled via the external input interface to the mobile device for receiving data from the mobile device, the data including an account identification; a memory system accessible by the accessory processor, the memory system stores the data; a transceiver of the removable accessory communicatively coupled to the accessory processor for receiving instructions from the accessory processor and for communicating the account identification to a reader computer at a merchant location communicatively coupled to a merchant computer network system when the transceiver is in a vicinity of the reader computer; and a connection detection circuit of the removable accessory communicatively coupled with the accessory processor for automatically detecting the connection state of the removable accessory with respect to the mobile device, the accessory processor erasing the data in response to an indicator from the connection detection circuit that the removable accessory has been disconnected from the mobile device. - View Dependent Claims (13, 14, 15, 16, 17, 18, 20, 21, 22, 23)
-
-
12. (canceled)
-
19. (canceled)
-
24. A method of making a payment using a mobile device removable accessory comprising:
-
responsive to receiving a signal from a transceiver connected to a merchant computer system, the mobile device removable accessory checking its connection state with respect to a mobile device; responsive to the connection state indicating the removable accessory has not been disconnected from the mobile device since an initialization procedure had been performed, the removable accessory generating a transaction data set comprising a user account identification for a payment service account, an accessory identification, and an encrypted request identification for a transaction, and the removable accessory transmitting the transaction data set to the transceiver connected to the merchant computer network system; and responsive to the connection state indicating the removable accessory has been disconnected from the mobile device since the initialization procedure had been performed, transitioning the accessory to an inactive mode. - View Dependent Claims (25, 26, 27, 28, 29, 30, 31, 32)
-
Specification