System, Method and Apparatus for Mobile Payments Enablement and Order Fulfillment

• US 20120158580A1
• Filed: 12/20/2011
• Published: 06/21/2012
• Est. Priority Date: 12/20/2010
• Status: Abandoned Application

• Current Assignee: Antonio Claudiu Eram, Felix Daniel Crisan
• Original Assignee: Antonio Claudiu Eram, Felix Daniel Crisan
• Inventors: Eram, Antonio Claudiu, Crisan, Felix Daniel
• Application Number:
  US13/331,260
• Publication Number:
  US 20120158580A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices

Abstract

A system, method and apparatus are provided for enabling mobile payments for purchases from selected merchants via a client device. A client application installed on a client device can make payments and submit shipment information when making purchases. The client application securely stores user-related payment information locally on the client device, where such information only needs to be entered once upon initialization of the client application. The client application facilitates payment transactions by forwarding user-related payment information for purchases to a payment server when authorized by a user. When making a purchase, a user can enter an identification code into the client application that identifies a product or service, where the identification code and user-related payment information are forwarded to the payment server. The payment server uses the code to retrieve details about the purchase and performs operations to complete the purchase using the received user payment-related information.

Claims

1. A system enabling mobile payment and order fulfillment, the system comprising:

a client payment application installed on a mobile client device configured to securely store user-related information associated with at least one payment account on the client device; and

a payment server configured to communicate with the client payment application and process payments through the at least one payment account and authorize purchase transactions,

wherein the client payment application is further configured to communicate the user-related information to the payment server along with a identification code that identifies a purchase transaction to be made by the payment server,

wherein the payment server is further configured to obtain details for the purchase transaction using the identification code received from the client payment application and to process payment for the purchase to be made using the user-related information received from the client payment application.

2. The system of claim 1, wherein the payment server is further configured to provide notification to a merchant of a completed purchase after processing payment for the purchase.

3. The system of claim 1, wherein the payment server is further configured to:

communicate with a merchant to receive details regarding a purchase transaction;

generate an identification code associated with the purchase transaction; and

communicate the details of the purchase transaction and the associated identification code to the client payment application.

4. The system of claim 3, wherein the client payment application is further configured to:

cause the details of the purchase transaction and the associated identification code received from the payment server to be displayed on the client device;

receive an indication from a user of the client device to complete the purchase transaction; and

communicate the user-related information and identification code to the payment server to complete the purchase transaction.

5. The system of claim 1, wherein the client payment application is further configured to require a security code to be input upon activation of the client payment application in order to authorize usage of the client payment application.

6. The system of claim 5, wherein the client payment application is further configured to collect the user-related information associated with at least one payment account upon initial activation of the client payment application and securely store the collected user-related information on the client device.

7. A method for enabling mobile payments and order fulfillments, the method comprising:

securely storing user-related information associated with at least one payment account on a mobile client device using a client payment application installed on the mobile client device;

receiving an identification code on the mobile client device that identifies a purchase transaction;

communicating a payment request message from the mobile client device to a payment server, wherein the payment request message includes the user-related information associated with at least one payment account previously stored on the mobile client device and an identification code that identifies a purchase transaction; and

obtaining details for the purchase transaction at the payment server using the identification code received from the client payment application; and

processing payment at the payment server for the purchase to be made using the user-related information received from the client payment application and the details associated with the identification code.

8. The method of claim 7, further comprising providing notification to a merchant of a completed purchase after processing payment for the purchase.

9. The method of claim 7, further comprising:

receiving details regarding a purchase transaction at the payment server from the merchant;

generating an identification code associated with the purchase transaction; and

communicating the details of the purchase transaction and the associated identification code from the payment server to the client payment application.

10. The method of claim 9, further comprising:

causing the details of the purchase transaction and the associated identification code received from the payment server to be displayed on the client device;

receiving an indication from a user of the client device to complete the purchase transaction; and

communicating the user-related information and identification code from the client payment application to the payment server to complete the purchase transaction.

11. The method of claim 7, further comprising requiring a security code to be input upon activation of the client payment application in order to authorize usage of the client payment application.

12. The method of claim 7, further comprising collecting the user-related information associated with at least one payment account upon initial activation of the client payment application and securely storing the collected user-related information on the client device.

13. A computer program product comprising a non-transitory computer-readable medium having instructions, the instructions being operable to enable a mobile client device, when executed by a processor, to perform a method for enabling mobile payments and order fulfillments, the method comprising

securely storing user-related information associated with at least one payment account on a mobile client device using a client payment application installed on the mobile client device;

receiving an identification code on the mobile client device that identifies a purchase transaction;

communicating a payment request message from the mobile client device to a payment server for payment completion, wherein the payment request message includes the user-related information associated with at least one payment account previously stored on the mobile client device and an identification code that identifies a purchase transaction.

14. The computer program product of claim 13, wherein the method further comprises:

receiving details of the purchase transaction and the associated identification code from the payment server;

causing the details of the purchase transaction and the associated identification code received from the payment server to be displayed on the client device;

receiving an indication from a user of the client device to complete the purchase transaction; and

communicating the user-related information and identification code from the client payment application to the payment server to complete the purchase transaction.

15. The computer program product of claim 13, wherein the method further comprises requiring a security code to be input upon activation of the client payment application in order to authorize usage of the client payment application.

16. The computer program product of claim 13, wherein the method further comprises collecting the user-related information associated with at least one payment account upon initial activation of the client payment application and securely storing the collected user-related information on the client device.

17. A computer program product comprising a non-transitory computer-readable medium having instructions, the instructions being operable to enable a payment server to execute a purchase transaction based on instructions received from mobile client device, when executed by a processor on the payment server, to perform a method for enabling mobile payments and order fulfillments, the method comprising

receiving a payment request message from a mobile client device that includes user-related information associated with at least one payment account and an identification code that identifies a purchase transaction;

obtaining details for the purchase transaction at the payment server using the identification code received from the client payment application; and

processing payment at the payment server for the purchase to be made using the user-related information received from the client payment application and the details associated with the identification code.

18. The computer program product of claim 17, the method further comprising providing notification to a merchant of a completed purchase after processing payment for the purchase.

19. The computer program product of claim 17, the method further comprising:

receiving details regarding a purchase transaction at the payment server from the merchant;

generating an identification code associated with the purchase transaction; and

communicating the details of the purchase transaction and the associated identification code from the payment server to a client payment application on the mobile client device.