PAYMENT SELECTION AND AUTHORIZATION
First Claim
1. A method, comprising:
- under control of one or more servers with executable instructions,receiving a request to authorize a payment from a merchant, the payment provided by a user to the merchant using a bank card and in satisfaction of a transaction, the request including at least a payment identifier and an amount;
identifying a mobile device of the user associated with the payment identifier;
determining an authorization requirement to impose on the user based at least in part on one or more rules, wherein at least one of the one or more rules determines whether to automatically reply to the request to authorize the payment from the merchant;
transmitting an authorization message to the mobile device that includes the authorization requirement, the authorization message to enable the user to accept or reject the request to authorize the payment;
receiving a user response from the user via the mobile device based at least in part on the transmitting of the authorization message, the response being received from a communication with a payment application that is different than an application used to transmit the payment to the merchant;
determining, by using a processor, whether the authorization requirement is fulfilled based at least in part on the user response;
transmitting a response to the merchant that includes one of an acceptance or rejection of the payment to the merchant, the acceptance contingent on the fulfillment of the authorization requirement; and
transferring the amount of the payment to an account of the merchant on behalf of the user
1 Assignment
0 Petitions
Accused Products
Abstract
When making a payment with an electronic payment type, a user may provide additional verification of ownership through communications with the user'"'"'s mobile computing device. For example, the user may swipe her bank card at a retailer'"'"'s store. The retailer may authorize the bank card through an issuing party (“host”). The host may transmit a request to the user via a mobile application running on the mobile computing device, which may request the user to approve or decline the purchase request. In various embodiments, the host'"'"'s request may require the user to enter personal and/or authorization information (e.g., a PIN, password, biometrics, etc.) via the mobile application to approve the request. In some aspects, the host may allow the user to split or allocate a payment amount across one or more electronic payment types available to the user from the host via the mobile application during the authorization process.
76 Citations
21 Claims
-
1. A method, comprising:
-
under control of one or more servers with executable instructions, receiving a request to authorize a payment from a merchant, the payment provided by a user to the merchant using a bank card and in satisfaction of a transaction, the request including at least a payment identifier and an amount; identifying a mobile device of the user associated with the payment identifier; determining an authorization requirement to impose on the user based at least in part on one or more rules, wherein at least one of the one or more rules determines whether to automatically reply to the request to authorize the payment from the merchant; transmitting an authorization message to the mobile device that includes the authorization requirement, the authorization message to enable the user to accept or reject the request to authorize the payment; receiving a user response from the user via the mobile device based at least in part on the transmitting of the authorization message, the response being received from a communication with a payment application that is different than an application used to transmit the payment to the merchant; determining, by using a processor, whether the authorization requirement is fulfilled based at least in part on the user response; transmitting a response to the merchant that includes one of an acceptance or rejection of the payment to the merchant, the acceptance contingent on the fulfillment of the authorization requirement; and transferring the amount of the payment to an account of the merchant on behalf of the user - View Dependent Claims (2, 3, 4, 5, 21)
-
-
6. A method, comprising:
-
under control of one or more servers with executable instructions, receiving a request to authorize a payment from a merchant, the payment provided by a user to the merchant in satisfaction of a transaction and the request including at least a payment identifier and an amount; identifying a mobile device of the user associated with the payment identifier; determining an authorization requirement to impose on the user based at least in part on whether the payment is automatically authorized; transmitting an authorization message to the mobile device that includes the authorization requirement, the authorization message to enable the user to accept or reject the request to authorize the payment; receiving a user response from the user via the mobile device based at least in part on the transmitting of the authorization message; determining, by using a processor, whether the authorization requirement is fulfilled based at least in part on the user response; and transmitting a response to the merchant that includes one of; an acceptance of the payment to the merchant when the authorization requirement is fulfilled and the user accepts the request to authorize the payment, or a rejection of the payment to the merchant. - View Dependent Claims (7, 8, 9, 10, 11, 12, 13, 14, 15)
-
-
16. One or more computer-readable storage media storing computer-executable instructions that, when executed on one or more processors, performs acts comprising:
-
receiving a request to authorize a payment from a merchant, the request including at least a payment identifier and an amount; identifying a user associated with the payment identifier; determining an authorization requirement to impose on the user based at least in part on the amount, wherein the authorization requirement imposed on the user is determined to include biometrics of the user based at least in part on a location condition; transmitting an authorization message to the user, the authorization message to include at least the amount and the authorization requirement to enable the user to accept or reject the request to authorize the payment; receiving a user response from the user via the mobile device based at least in part on the transmitting of the authorization message; determining, by using the one or more processors, whether the authorization requirement is fulfilled based at least in part on the user response; and transmitting a response to the merchant that includes one of an acceptance or rejection of the payment to the merchant, the acceptance contingent on the fulfillment of the authorization requirement. - View Dependent Claims (17, 18, 19, 20)
-
Specification