PROCESSING ELECTRONIC PAYMENT INVOLVING MOBILE COMMUNICATION DEVICE

• US 20120290376A1
• Filed: 05/09/2011
• Published: 11/15/2012
• Est. Priority Date: 05/09/2011
• Status: Active Grant

• Current Assignee: Intuit, Inc.
• Original Assignee: Intuit, Inc.
• Inventors: Ran, Alexander S., Blank, Bennett R., Krivopaltsev, Eugene, Dryer, Trevor D., Arbel, Eran, Tripathi, Ajay, Lethin, Douglas
• Granted Patent: US 10,949,844 B2
• Time in Patent Office: Days
• US Class Current: 705/14.23
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

Mobile payments and processing data related to electronic transactions. A near field communication connection is established between a mobile communication device of a consumer that serves as a mobile wallet and an electronic payment device of a merchant. Authorization data is shared between the mobile communication device and the electronic payment device without providing electronic payment instrument (e.g. credit card) data to the merchant. Authorization data is transmitted from the mobile communication device to a cloud computer or resource that serves as a cloud wallet and hosts respective data of respective electronic payment instruments of respective consumers, and from the electronic payment device a payment processor computer. The payment processor computer presents the authorization data to the cloud wallet, and in response, the cloud wallet transmits the credit card data to the payment processor computer, which processes the transaction.

Claims

1. A computer-implemented method for processing data related to an electronic transaction involving a consumer and a merchant, the method comprising:

establishing a near field communication connection between an electronic payment device of the merchant and a mobile communication of the consumer when the electronic payment device and the mobile communication device are in contact with or located in proximity to each other;

receiving authorization data that is shared between the mobile communication device and the electronic payment device utilizing the near field communication connection, wherein data of an electronic payment instrument utilized by the consumer is not transmitted to the merchant; and

transmitting the authorization data from the mobile communication device through a first network to a first computer hosting respective data of respective electronic payment instruments of respective consumers, and from the electronic payment device through a second network to a second computer of an electronic payment processor,

wherein the authorization data is presented by the second computer to the first computer to request electronic payment data of the consumer associated with the authorization data.

2. The method of claim 1, the electronic payment device comprising a mobile communication device including a mobile payment application executing thereon, the respective mobile communication devices of the consumer and the merchant being utilized to establish the near field communication connection and generate or receive the authorization data.

3. The method of claim 2, the mobile communication device of the merchant comprising a Smartphone.

4. The method of claim 2, the respective mobile communication devices of the consumer and the merchant being located within a store or office of the merchant when the near field communication connection is established.

5. The method of claim 2, the respective mobile communication devices of the consumer and the merchant being at a location that is remote relative to a store or office of the merchant when the near field connection is established.

6. The method of claim 1, the electronic payment instrument data being received at the second computer in response to presenting the authorization data to the first computer, the second computer hosting or accessing a merchant account on behalf of the merchant to process the electronic transaction using the received electronic payment instrument data.

7. The method of claim 1, the electronic payment device and the mobile communication device being connected to each other in a peer to peer configuration.

8. The method of claim 7, the authorization data being generated by the electronic payment device of the merchant and transmitted from the electronic payment device to the mobile communication device and from the electronic payment device to the second computer.

9. The method of claim 7, the authorization data being generated by the mobile communication device and transmitted from the mobile communication device to the electronic payment device and from the mobile communication device to the first computer.

10. The method of claim 1, the authorization data being generated by the first computer and received at the mobile communication device from the first computer, and transmitted from the mobile communication device to the electronic payment device.

11. The method of claim 1, the authorization data comprising a random number.

12. The method of claim 1, the authorization data being dynamic such that first authorization data generated for a first purchase by the consumer is different than second authorization data generated for a second purchase by the consumer.

13. The method of claim 1, the authorization data comprising an authorization token.

14. The method of claim 13, the authorization token being usable for a single electronic transaction.

15. The method of claim 13, the authorization token being valid to request electronic payment instrument data for a pre-determined limited time.

16. The method of claim 1, the same authorization data shared between the mobile communication device and the electronic payment device being transmitted from the electronic payment device to the second computer, from the mobile communication device to the first computer, and from the second computer to the first computer when requesting electronic payment instrument data.

17. The method of claim 1, the mobile communication device of the consumer comprising a mobile wallet, and the first computer comprising a cloud computing resource accessible by a plurality of consumers and payment processors.

18. The method of claim 17, the electronic payment device of the merchant comprising a mobile payment application, wherein the transaction is completed based at least in part upon interaction between the mobile wallet and the mobile payment application.

19. The method of claim 1, receiving from the electronic payment device at the mobile communication device through the near field communication connection, an incentive, offer or advertisement related to a form or type of electronic payment instrument available to be selected by the consumer using the mobile communication device.

20. The method of claim 19, the incentive, offer or advertisement comprising a coupon or discount if the consumer utilizes an electronic payment instrument a pre-determined issuer bank.

21. The method of claim 1, the electronic payment instrument comprising a credit card.

22. A computer-implemented method for processing data related to an electronic transaction involving a consumer and a merchant, the method comprising:

establishing a near field communication connection between an electronic payment device of the merchant and a mobile communication of the consumer when the electronic payment device and the mobile communication device are in contact with or located in proximity to each other;

generating authorization data embodying data of a transaction involving the consumer and the merchant, wherein data of an electronic payment instrument utilized by the consumer is not transmitted to the electronic payment device; and

transmitting the authorization data from the mobile communication device through a first network to a first computer hosting respective data of respective electronic payment instruments respective consumers, and from the electronic payment device through a second network to a second computer of an electronic payment processor,

wherein the authorization data is presented by the second computer to the first computer to request electronic payment data of the consumer associated with the authorization data.

23. The method of claim 22, the authorization data being encoded with the transaction data.

24. The method of claim 23, the authorization data being encoded with transaction data comprising at least one of a merchant identification, a transaction identification, a transaction amount, and accepted electronic payment instruments.

25. The method of claim 23, wherein the authorization data is decoded by the first computer to determine electronic payment instrument data corresponding to the authorization data, the determined electronic payment instrument data being transmitted from the first computer to the second computer.

26. The method of claim 22, the transaction data comprising at least one of a merchant identification, a transaction identification, a transaction amount, and accepted electronic payment instruments.

27. The method of claim 22, the electronic payment device comprising a mobile communication device including a mobile payment application executing thereon, the respective mobile communication devices of the consumer and the merchant being utilized to establish the near field communication connection.

28. The method of claim 27, the mobile communication device of the merchant comprising a Smartphone.

29. The method of claim 27, the respective mobile communication devices of the consumer and the merchant being at a location that is remote relative to a store or office of the merchant when the near field connection is established.

30. The method of claim 22, the electronic payment instrument data being received at the second computer in response to presenting the authorization data to the first computer, the second computer hosting or accessing a merchant account on behalf of the merchant to process the electronic transaction using the received electronic payment instrument data.

31. The method of claim 22, the electronic payment device and the mobile communication device being connected to each other in a peer to peer configuration.

32. The method of claim 31, the authorization data being generated by the electronic payment device of the merchant and transmitted from the electronic payment device to the mobile communication device and from the electronic payment device to the second computer.

33. The method of claim 31, the transaction data being received by the mobile communication device, the authorization data being generated by the mobile communication device and transmitted from the mobile communication device to the electronic payment device and from the mobile communication device to the first computer.

34. The method of claim 22, the transaction data being received by the first computer through the mobile communication device from the electronic payment device, the authorization data being generated by the first computer, transmitted from the first computer and received at the mobile communication device, and transmitted from the mobile communication device to the electronic payment device, and from the electronic payment device to the second computer.

35. The method of claim 22, the authorization data being dynamic such that first authorization data generated for a first purchase by the consumer is different than second authorization data generated for a second purchase by the consumer.

36. The method of claim 22, the authorization data comprising an authorization token.

37. The method of claim 36, the authorization token being usable for a single electronic transaction.

38. The method of claim 36, the authorization token being valid to request electronic payment instrument data for a limited time.

39. The method of claim 22, the mobile communication device of the consumer comprising a mobile wallet, and the first computer comprising a cloud computing resource accessible by a plurality of consumers and payment processors.

40. The method of claim 22, the electronic payment device of the merchant comprising a mobile payment application, wherein the transaction is completed based at least in part upon interaction between the mobile wallet and the mobile payment application.

41. The method of claim 22, receiving from the electronic payment device at the mobile communication device through the near field communication connection, an incentive or advertisement related to an electronic payment instrument available to be selected by the consumer using the mobile communication device.

42. The method of claim 41, the incentive or advertisement comprising a coupon or discount if the consumer utilizes a credit card of a pre-determined issuer bank.

43. The method of claim 22, the electronic payment instrument utilized by the consumer comprising a credit card.

44. A computer-implemented method for processing data related to an electronic transaction involving a consumer and a merchant, the method comprising:

establishing a near field communication connection between an electronic payment device of the merchant and a mobile communication of the consumer when the electronic payment device and the mobile communication device are in contact with or located in proximity to each other;

generating authorization data, the authorization data being shared between the mobile communication device and the electronic payment device utilizing the near field communication connection, wherein data of an electronic payment instrument utilized by the consumer is not transmitted to the merchant; and

transmitting the authorization data from the mobile communication device through a first network to a first computer hosting respective data of respective electronic payment instruments of respective consumers;

storing the authorization data in a database of or accessed by the first computer to associate the authorization data and electronic payment instrument data of the consumer;

transmitting the authorization data from the electronic payment device through a second network to a second computer of an electronic payment processor;

transmitting the authorization data from the second computer through a third network to the first computer to request electronic payment data of the consumer;

searching the database to determine electronic payment data corresponding to the authorization data received at the first computer from the second computer;

transmitting the determined electronic payment data from the first computer to the second computer;

completing the transaction utilizing the second computer.

45. A computer-implemented method for processing data related to an electronic transaction involving a consumer and a merchant, the method comprising:

establishing a near field communication connection between an electronic payment device of the merchant and a mobile communication of the consumer when the electronic payment device and the mobile communication device are in contact with or located in proximity to each other;

generating authorization data, the authorization data being encoded with data of a transaction involving the consumer and the merchant, the authorization data being shared between the mobile communication device and the electronic payment device utilizing the near field communication connection, wherein data of an electronic payment instrument utilized by the consumer is not transmitted to the merchant; and

transmitting the authorization data from the mobile communication device through a first network to a first computer hosting respective data of respective electronic payment instruments of respective consumers;

decoding the authorization data at the first computer;

storing the authorization data and associated transaction data in a database of or accessed by the first computer to associate the authorization data, the transaction data and the electronic payment instrument data of the consumer;

transmitting the authorization data from the electronic payment device through a second network to a second computer of an electronic payment processor;

transmitting the authorization data and transaction data from the second computer through a third network to the first computer to request electronic payment data of the consumer;

decoding the authorization data at the first computer;

searching the database to determine electronic payment data and transaction data corresponding to the authorization data received at the first computer from the second computer;

comparing the transaction data stored in the database and the transaction data received from the second computer;

if the transaction data received from the second computer matches the transaction data stored in the database, transmitting the determined electronic payment data from the first computer to the second computer; and

completing the transaction utilizing the second computer.

46-63. -63. (canceled)