PROCESSING ELECTRONIC PAYMENT INVOLVING MOBILE COMMUNICATION DEVICE
First Claim
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.
1 Assignment
0 Petitions
Accused Products
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.
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Citations
46 Claims
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1. A computer-implemented method for processing data related to an electronic transaction involving a consumer and a merchant, the method comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A computer-implemented method for processing data related to an electronic transaction involving a consumer and a merchant, the method comprising:
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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. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43)
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44. A computer-implemented method for processing data related to an electronic transaction involving a consumer and a merchant, the method comprising:
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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.
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45. A computer-implemented method for processing data related to an electronic transaction involving a consumer and a merchant, the method comprising:
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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.
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46-63. -63. (canceled)
Specification