SYSTEMS AND METHODS FOR FAST MOBILE PAYMENT
First Claim
1. A method of completing transactions using a device, comprising:
- displaying, by a merchant, a pictogram including transaction details associated therewith;
acquiring, by the device, the pictogram;
decoding, by the device or by a remote server, the transaction details;
displaying, by the device, the decoded transaction details; and
if the decoded transaction details is acceptable to a user of the device;
accepting, by the user via the device, the decoded transaction details;
transmitting, by the device to a remote server, a confirmation of acceptance by the user;
transmitting, by the remote server to a payment gateway, a payment request for an amount reflected in the transaction details;
validating, by the payment gateway, the payment request; and
receiving, by the merchant and the user, a payment confirmation.
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Accused Products
Abstract
A method of completing transactions using a device includes displaying a pictogram including transaction details associated therewith by a merchant. The mobile device acquires the pictogram. The mobile device or a remote server decodes the transaction details. The mobile device displays for a user the decoded transaction details. If the decided transaction details are acceptable to the user, the user accepts, via the mobile device, the decoded transaction details. The mobile device transmits a confirmation of acceptance by the user to a remote server. The remote server transmits a payment request for the payment amount reflected in the transaction details to a payment gateway. The payment gateway validates the payment request. The merchant and the device receive a payment confirmation.
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Citations
28 Claims
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1. A method of completing transactions using a device, comprising:
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displaying, by a merchant, a pictogram including transaction details associated therewith; acquiring, by the device, the pictogram; decoding, by the device or by a remote server, the transaction details; displaying, by the device, the decoded transaction details; and if the decoded transaction details is acceptable to a user of the device; accepting, by the user via the device, the decoded transaction details; transmitting, by the device to a remote server, a confirmation of acceptance by the user; transmitting, by the remote server to a payment gateway, a payment request for an amount reflected in the transaction details; validating, by the payment gateway, the payment request; and receiving, by the merchant and the user, a payment confirmation. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A device for completing transactions, comprising:
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processing hardware for acquiring a pictogram including encoded transaction details and for decoding the transaction details from the pictogram; a user interface for displaying the decoded transaction details for a user of the mobile device; and a signal interface configured to send a signal indicating user acceptance or rejection of the decoded transaction details to a remote server, wherein if the user has accepted the transaction details, the remote server is configured to take appropriate steps to process the transaction as defined by the transaction details, either directly or as a proxy to a subsystem charged of processing the transaction, wherein the signal interface is further configured to receive a signal indicating transaction completion. - View Dependent Claims (19, 20, 21, 22)
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23. A system for completing transactions, comprising:
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a remote server coupled to a first processor, the remote server being configured to generate a pictogram including therein an encoded set of transaction details in response to a pictogram generation request from a merchant check-out system configured to display the pictogram; a device configured to acquire the pictogram, wherein the device decodes the pictogram or the remote server decodes the pictogram in response to a decode pictogram request from the device, the device including a user interface configured to display a decoded set of transaction details to a user for acceptance or rejection by the user and wherein the device is configured to transmit an acceptance of the transaction details to the remote server if the user accepts the transaction details; and a gateway transaction system coupled to a second processor, the gateway transaction system being configured to validate and process, directly or as a proxy to a subsystem, the transaction reflected in the transaction details, the gateway transaction system being further configured to transmit a payment confirmation to the remote server. - View Dependent Claims (24, 25, 26)
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27. A mobile device for completing transactions, comprising:
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processing hardware for acquiring an environmental stimulus including encoded transaction details and for decoding the transaction details from the stimulus; a user interface for displaying the decoded transaction details for a user of the mobile device; and a signal interface configured to send a signal indicating user acceptance or rejection of the decoded transaction details to a remote server, wherein if the user has accepted the transaction details, the remote server is configured to send a confirmation to a transaction gateway system for transaction processing and validation, wherein the signal interface is further configured to receive a signal indicating transaction completion. - View Dependent Claims (28)
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Specification