PAYMENT SELECTION AND AUTHORIZATION BY A MOBILE DEVICE
First Claim
1. A method to authorize a payment using a mobile device, the method comprising:
- under control of the mobile device configured with executable instructions,receiving, from a host and via the mobile device, a request to authorize a payment using a bank card having an associated bank card identifier, the bank card identifier transmitted to a merchant at a merchant'"'"'s location or electronically through a communication path different from a communication path used to receive the request;
presenting, to a user of the mobile device, a description of the request that includes at least a name of the merchant and an amount of the payment;
receiving, from the user, a response to the request, the response including a security code that is input by the user; and
transmitting the response including the security code to the host in response to the request, the response to request the host to authorize the payment to the merchant with the bank card when the security code is correct.
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.
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Citations
20 Claims
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1. A method to authorize a payment using a mobile device, the method comprising:
under control of the mobile device configured with executable instructions, receiving, from a host and via the mobile device, a request to authorize a payment using a bank card having an associated bank card identifier, the bank card identifier transmitted to a merchant at a merchant'"'"'s location or electronically through a communication path different from a communication path used to receive the request; presenting, to a user of the mobile device, a description of the request that includes at least a name of the merchant and an amount of the payment; receiving, from the user, a response to the request, the response including a security code that is input by the user; and transmitting the response including the security code to the host in response to the request, the response to request the host to authorize the payment to the merchant with the bank card when the security code is correct. - View Dependent Claims (2, 3, 4, 5)
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6. One or more computer-readable storage media storing computer-executable instructions that, when executed on one or more processors, performs acts comprising:
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receiving, from a host and via a mobile device, a request to authorize a payment originating from an offer of payment to a merchant using a communication path different than a bank card processing path used to receive the request; presenting, to a user of the mobile device, a description of the request that includes at least an amount of the payment; receiving, from the user, a response to the request, the response including at least an acceptance or rejection of the request; and transmitting the response to the host as an answer to the request, the answer to authorize or reject the payment to the merchant originating from the offer of payment. - View Dependent Claims (7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A method comprising:
under control of a mobile device with executable instructions, receiving, at the mobile device, a request to authorize an electronic payment provided from a user to a merchant, the electronic payment being provided to the merchant using a communication path different than a bank card processing path used to receive the request; receiving, from the user, a response to the request, the response including at least an acceptance or rejection of the request; and transmitting the response to the host as an answer to the request, the answer to authorize or reject the payment to the merchant originating from the offer of payment. - View Dependent Claims (19, 20)
Specification