PAYMENT PROCESSING SYSTEM INCLUDING MOBILE WIRELESS COMMUNICATIONS DEVICE TO SEND A PAYMENT CONFIRMATION TO A TRANSACTION TERMINAL AND ASSOCIATED METHODS

• US 20120259717A1
• Filed: 04/08/2011
• Published: 10/11/2012
• Est. Priority Date: 04/08/2011
• Status: Active Grant

• Current Assignee: Malikie Innovations Limited (Key Patent Innovations Limited)
• Original Assignee: Research In Motion Limited (Blackberry Limited)
• Inventors: GRIFFIN, Jason Tyler, Little, Herbert Anthony
• Granted Patent: US 8,740,064 B2
• Time in Patent Office: Days
• US Class Current: 705/17
• 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 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device

Abstract

A payment processing system includes a transaction terminal having a merchant account associated therewith and including a first wireless device. The payment processing system also includes a payment server, and a mobile wireless communications device having a purchaser account associated therewith and including a second wireless device and a processor coupled thereto and configured to send transaction information to the payment server. The payment server is configured to cause a transfer of funds from the purchaser account to the merchant account based upon the transaction information, and to send payment confirmation to the mobile wireless communications device based upon the transfer of funds. The processor is configured to send the payment confirmation to the transaction terminal via the first and second wireless devices.

Claims

1. A payment processing system comprising:

a transaction terminal having a merchant account associated therewith and comprising a first wireless device;

a payment server; and

a mobile wireless communications device having a purchaser account associated therewith and comprising a second wireless device and a processor coupled thereto and configured to send transaction information to said payment server;

said payment server configured to cause a transfer of funds from the purchaser account to the merchant account based upon the transaction information, and to send payment confirmation to said mobile wireless communications device based upon the transfer of funds;

said processor configured to send the payment confirmation to said transaction terminal via said first and second wireless devices.

2. The payment processing system of claim 1, wherein said first and second wireless devices comprise first and second near field communications (NFC) devices.

3. The payment processing system of claim 1, wherein said first and second wireless devices further comprise first and second Bluetooth devices.

4. The payment processing system of claim 1, wherein said first wireless device comprises a first near field communications (NFC) device and a first Bluetooth device;

wherein said second wireless device comprises a second NFC device and a second Bluetooth device;

wherein said transaction terminal is configured to send the transaction information to said mobile wireless communications device via said first and second Bluetooth devices, based upon proximity between said first and second NFC devices; and

wherein said mobile wireless communications device is configured to send the payment confirmation to said transaction terminal via said first and second Bluetooth devices, based upon proximity between said first and second NFC devices.

5. The payment processing system of claim 1, wherein said transaction terminal comprises a display configured to display the transaction information;

and

wherein said mobile wireless communications device comprises a camera to capture the transaction information on said display.

6. The payment processing system of claim 5, wherein said display is configured to display the transaction information as a coded image.

7. The payment processing system of claim 1, further comprising at least one substrate having an image thereon and positioned adjacent said transaction terminal;

wherein said mobile wireless communications 38979-US-PAT (85290) device comprises a camera to capture the image; and

wherein said processor is configured to generate the transaction information based upon the captured image.

8. The payment processing system of claim 7, wherein the image on said at least one substrate comprises a coded image.

9. The payment processing system of claim 1, further comprising at least one NFC tag having data stored thereon and positioned adjacent said transaction terminal;

and wherein said processor is configured to cooperate with said second NFC device and generate the transaction information based upon the stored data.

10. The payment processing system of claim 1, wherein said transaction terminal comprises a display and is configured to present the payment confirmation on said display.

11. A payment processing system comprising:

a transaction terminal having a merchant account associated therewith and comprising a display and a first near field communications (NFC) device coupled thereto;

at least one NFC tag having data stored thereon and positioned adjacent said transaction terminal;

a payment server; and

a mobile wireless communications device having a purchaser account associated therewith and comprising a second NFC device and a processor coupled thereto and configured to

cooperate with said second NFC device to generate transaction information based upon the stored data, and

send the transaction information to said payment server;

said payment server configured to cause a transfer of funds from the purchaser account to the merchant account based upon the transaction information, and to send payment confirmation to said mobile wireless communications device based upon the transfer of funds;

said processor configured to send the payment confirmation to said transaction terminal;

said transaction terminal configured to present the payment confirmation on said display thereof.

12. The payment processing system of claim 11, wherein said transaction terminal further comprises a first Bluetooth device coupled to said display;

wherein said mobile wireless further comprises a second Bluetooth device coupled to said processor; and

wherein said processor is configured to send the payment confirmation to said transaction terminal via said first and second Bluetooth devices.

13. A payment processing system comprising:

a transaction terminal having a merchant account associated therewith and comprising a display and a first wireless device coupled thereto;

at least one substrate having an image thereon and positioned adjacent said transaction terminal;

a payment server; and

a mobile wireless communications device having a purchaser account associated therewith and comprising a camera, a second wireless device, a processor coupled to said camera and said second wireless device, said processor configured to

cooperate with said camera to generate transaction information based upon the image on said at least one substrate,

send the transaction information to said payment server;

said payment server configured to cause a transfer of funds from the purchaser account to the merchant account based upon the transaction information, and to send payment confirmation to said mobile wireless communications device based upon the transfer of funds;

said processor configured to send the payment confirmation to said transaction terminal via said first and second wireless devices;

said transaction terminal configured to present the payment confirmation on said display thereof.

14. The payment processing system of claim 13, wherein the image on said at least one substrate comprises a coded image.

15. The payment processing system of claim 13, wherein said first and second wireless devices comprise first and second near field communications (NFC) devices.

16. The payment processing system of claim 13, wherein said first and second wireless devices comprise first and second Bluetooth devices.

17. The payment processing system of claim 13, wherein said first wireless device comprises a first near field communications (NFC) device and a first Bluetooth device;

wherein said second wireless device comprises a second NFC device and a second Bluetooth device; and

wherein said mobile wireless communications device is configured to send the payment confirmation to said transaction terminal via said first and second Bluetooth devices, based upon proximity between said first and second NFC devices.

18. A method of operating a payment processing system comprising a transaction terminal having a merchant account associated therewith and comprising a first wireless device, a payment server, and a mobile wireless communications device comprising a second wireless device and having a purchaser account associated therewith, the method comprising:

sending transaction information to the payment server via cooperation between the first and second wireless devices, using a processor of the mobile wireless communications device;

causing a transfer of funds from the purchaser account to the merchant account based upon the transaction information, and sending payment confirmation to the mobile wireless communications device based upon the transfer of funds, using the payment server; and

sending the payment confirmation to the transaction terminal via cooperation between the first and second wireless devices, using the processor.

19. The method of claim 18, wherein the first and second wireless devices comprise first and second near field communications (NFC) devices.

20. The method of claim 18, wherein the first and second wireless devices further comprise first and second Bluetooth devices.

21. The method of claim 18, wherein the first wireless device comprises a first near field communications (NFC) device and a first Bluetooth device;

wherein the second wireless device comprises a second NFC device and a second Bluetooth device;

wherein the transaction terminal sends the transaction information to the mobile wireless communications device via the first and second Bluetooth devices, based upon proximity between the first and second NFC devices; and

wherein the mobile wireless communications device sends the payment confirmation to the transaction terminal via the first and second Bluetooth devices, based upon proximity between the first and second NFC devices.

22. The method of claim 18, further comprising sending the transaction information to the mobile wireless communications device, using the transaction terminal.

23. The method of claim 18, further comprising sending the transaction information to the mobile wireless communications device via cooperation between the first and second wireless devices, using the transaction terminal.

24. The method of claim 18, further comprising displaying the transaction information on a display of the transaction terminal;

and further comprising capturing the transaction information on the display using a camera of the mobile wireless communications device.

25. The method of claim 24, wherein the transaction information is displayed as a coded image.

26. The method of claim 18, wherein at least one substrate having an image thereon is positioned adjacent the transaction terminal;

further comprising capturing the image using a camera of the mobile wireless communications device; and

further comprising generating the transaction information based upon the captured image, using the processor.

27. The method of claim 26, wherein the image on the at least one substrate comprises a coded image.

28. The method of claim 18, further comprising presenting the payment confirmation on a display of the transaction terminal.