METHODS AND SYSTEMS FOR CONTACTLESS PAYMENTS
First Claim
1. A contactless payment system comprising:
- a processor configured for merchant transactions,a tangible, non-transitory memory configured to communicate with the processor,the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising;
generating, at the contactless payment system, a total bill of purchases associated with a consumer;
associating, at the contactless payment system, a unique identifier of a radio frequency identification (RFID) tag with the total bill;
transmitting, at the contactless payment system, the total bill and associated unique identifier to a consumer accessible payment network; and
receiving, at the contactless payment system, confirmation of payment of the total bill from the payment network.
3 Assignments
0 Petitions
Accused Products
Abstract
A contactless payment system for merchant transactions (e.g., a restaurant) comprises generating, at the contactless payment system, a total bill of purchases associated with a consumer, associating a unique identifier of a RFID tag or a QR code with the total bill, transmitting the total bill and associated unique identifier to a consumer accessible payment network, and receiving payment from the consumer for satisfaction of the total bill. The consumer submits the payment using a contactless-enabled device, such as a smartphone. The contactless-enabled device may interrogate the RFID tag or read the QR code to receive the unique identifier and a payment network link. Furthermore, the contactless-enabled device submits a payment transaction request to the payment network, where the payment transaction request includes the unique identifier and an account identifier. The payment network receives the payment transaction request and locates the total bill using the unique identifier as a key.
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Citations
20 Claims
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1. A contactless payment system comprising:
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a processor configured for merchant transactions, a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising; generating, at the contactless payment system, a total bill of purchases associated with a consumer; associating, at the contactless payment system, a unique identifier of a radio frequency identification (RFID) tag with the total bill; transmitting, at the contactless payment system, the total bill and associated unique identifier to a consumer accessible payment network; and receiving, at the contactless payment system, confirmation of payment of the total bill from the payment network. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A contactless payment system comprising:
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a processor configured for merchant transactions, a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising; generating, at the contactless payment system, a total bill of purchases associated with a consumer; associating, at the contactless payment system, a unique identifier of a quick response (QR) code with the total bill; transmitting, at the contactless payment system, the total bill and associated unique identifier to a consumer accessible payment network; and receiving, at the contactless payment system, payment from the consumer for satisfaction of the total bill. - View Dependent Claims (8, 9, 10)
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11. A method comprising:
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generating, at the contactless payment system, a total bill of purchases associated with a consumer; associating, at the contactless payment system, a unique identifier of a radio frequency identification (RFID) tag with the total bill; transmitting, at the contactless payment system, the total bill and associated unique identifier to a consumer accessible payment network; and receiving, at the contactless payment system, payment from the consumer for satisfaction of the total bill. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification