PAYMENT FACILITATING SYSTEM FOR USE WITH A MOBILE COMMUNICATOR UTILIZING A NEAR FIELD COMMUNICATION (NFC) LINK

• US 20130030933A1
• Filed: 07/27/2011
• Published: 01/31/2013
• Est. Priority Date: 07/27/2011
• Status: Active Grant

• Current Assignee: Verifone, Inc. (Verifone Systems, Inc.)
• Original Assignee: Verifone, Inc. (Verifone Systems, Inc.)
• Inventors: TALACH, David Paul, MIRKAZEMI, Mehran, DELGADO, Christopher Hugh
• Granted Patent: US 8,799,086 B2
• Time in Patent Office: Days
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices

Abstract

A payment facilitating system for use with a mobile communicator and a point of sale (POS) terminal, the system including a Near Field Communication (NFC) financial transaction communication link between the mobile communicator and the POS terminal, the NFC financial transaction communication link being operative to communicate NFC data for use in a financial transaction, a non-NFC financial transaction communication link between the mobile communicator and the POS terminal, the non-NFC financial transaction communication link being operative to communicate non-NFC data for use in the financial transaction, and a transaction effector operative to complete the financial transaction using both the NFC data communicated directly between the mobile communicator and the POS terminal over the NFC financial transaction communication link and the non-NFC data communicated directly between the mobile communicator and the POS terminal over the non-NFC financial transaction communication link.

Claims

1. A payment facilitating system for use with a mobile communicator and a point of sale (POS) terminal, said system comprising:

a Near Field Communication (NFC) financial transaction communication link between said mobile communicator and said POS terminal, said NFC financial transaction communication link being operative to communicate NFC data for use in a financial transaction;

a non-NFC financial transaction communication link between said mobile communicator and said POS terminal, said non-NFC financial transaction communication link being operative to communicate non-NFC data for use in said financial transaction; and

a transaction effector operative to complete said financial transaction using both said NFC data communicated directly between said mobile communicator and said POS terminal over said NFC financial transaction communication link and said non-NFC data communicated directly between said mobile communicator and said POS terminal over said non-NFC financial transaction communication link.

2. A payment facilitating system according to claim 1 and wherein said non-NFC financial transaction communication link is a wireless link.

3. A payment facilitating system according to claim 1 and wherein said transaction effector is embodied in at least one of said POS terminal, a transaction server and a store server.

4. A payment facilitating system according to claim 3 and wherein said transaction effector is embodied in said POS terminal and provides a transaction completion output to at least one of said transaction server and said store server.

5. A payment facilitating system according to claim 3 and wherein said transaction effector is embodied in said transaction server and receives payment card data from said POS terminal and additional data from at least one of said POS terminal and said store server.

6. A payment facilitating system according to claim 3 and wherein said transaction effector is embodied in said store server and provides at least payment card data to said transaction server.

7. A payment facilitating system according to claim 1 and wherein said NFC data and said non-NFC data include at least one identifier useful for associating NFC data and non-NFC data pertaining to the same transaction.

8. A payment facilitating system according to claim 1 and wherein said financial transaction is a payment card transaction.

9. A payment facilitating system according to claim 8 and wherein said payment card transaction is either a credit card transaction or a debit card transaction.

10. A payment facilitating system for use with a mobile communicator and a point of sale (POS) terminal, said system comprising:

a Near Field Communication (NFC) financial transaction communication link between said mobile communicator and said POS terminal, said NFC financial transaction communication link being operative to communicate NFC data between said mobile communicator and said POS terminal for use in a financial transaction; and

a transaction effector operative to complete said financial transaction using said NFC data communicated over said NFC financial transaction communication link between said mobile communicator and said POS terminal in at least two separate NFC sessions.

11. A payment facilitating system according to claim 10 and wherein said financial transaction is a payment card transaction.

12. A payment facilitating system according to claim 11 and wherein said payment card transaction is either a credit card transaction or a debit card transaction.

13. A payment facilitating system according to claim 10 and wherein said transaction effector is embodied in at least one of said POS terminal, a transaction server and a store server.

14. A payment facilitating system according to claim 13 and wherein said transaction effector is embodied in said POS terminal and provides a transaction completion output to at least one of said transaction server and said store server.

15. A payment facilitating system according to claim 13 and wherein said transaction effector is embodied in said transaction server and receives payment card data from said POS terminal and additional data from at least one of said POS terminal and said store server.

16. A payment facilitating system according to claim 13 and wherein said transaction effector is embodied in said store server and provides at least payment card data to said transaction server.

17. A card-present payment facilitating system comprising:

a Near Field Communication (NFC) communicator communicating with a mobile communicator over a secure link via near field communication; and

a signature transmission enabled mobile communicator operative to transmit a signature to a point of sale terminal via a non-NFC data link.

18. A method for effecting a card-present payment card transaction comprising:

transmitting payment card data via Near Field Communication (NFC) communication between an NFC-enabled point of sale (POS) terminal and an NFC-enabled mobile communicator; and

transmitting a signature from said mobile communicator to said POS terminal via non-NFC communication.

19. A method for effecting a card-present payment card transaction according to claim 18 and also comprising transmitting additional data relating to said payment card transaction via NFC communication.

20. A method for effecting a card-present payment card transaction according to claim 18 and also comprising transmitting additional data relating to said payment card transaction via non-NFC communication.