MOBILE DEVICE AUTHORIZATION SYSTEM FOR CONCURRENT SUBMISSION OF MULTIPLE TENDER TYPES
First Claim
1. A method of mobile device transaction approval applying a plurality of forms of tender, the method comprising:
- receiving an identifier of a mobile device and a request for a transaction authorization;
generating a payment code for transmission to the mobile device in response to receiving the mobile device identifier and the request for the transaction authorization;
receiving a transaction amount, an identifier of a merchant, and the payment code from a point of sale (POS) system;
applying the plurality of forms of tender to the transaction amount; and
generating a unified approval code applying the plurality of forms of tender to the transaction for transmission to the POS system.
4 Assignments
0 Petitions
Accused Products
Abstract
Methods, systems, and devices are described for providing mobile device transaction approvals utilizing multiple forms of tender. An identifier of a mobile device and a request for a transaction authorization may be transmitted from a mobile device and received at a payment authority system. The payment authority system may generate a payment code for transmission to the mobile device. The payment code may be provided to a point of sale (POS) system. The POS system may transmit a transaction amount, an identifier of a merchant, and the payment code to the payment authority system. A number of forms of tender may be applied to the transaction amount. The payment authority system may generate a unified approval code applying the multiple forms of tender to the transaction. The unified approval code may be transmitted to the POS system and applied to a transaction.
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Citations
26 Claims
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1. A method of mobile device transaction approval applying a plurality of forms of tender, the method comprising:
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receiving an identifier of a mobile device and a request for a transaction authorization; generating a payment code for transmission to the mobile device in response to receiving the mobile device identifier and the request for the transaction authorization; receiving a transaction amount, an identifier of a merchant, and the payment code from a point of sale (POS) system; applying the plurality of forms of tender to the transaction amount; and generating a unified approval code applying the plurality of forms of tender to the transaction for transmission to the POS system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A payment authority system for mobile device transaction approvals, the system comprising:
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a first interface configured to receive a mobile device identifier and a request for a transaction authorization; a mobile device payment code module, in communication with the first interface, and configured to generate a payment code for transmission to the mobile device; a second interface configured to receive a transaction amount, a merchant identifier, and the payment code from a point of sale (POS) system; and a POS approval code module, in communication with the second interface, and configured to; apply a plurality of forms of tender to the transaction amount; and generate a unified approval code applying the plurality of forms of tender to the transaction for transmission to the POS system. - View Dependent Claims (12, 13, 14, 15, 16)
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17. A method of mobile device transaction approvals applying a plurality of forms of tender, the method comprising:
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transmitting a transaction authorization request and a mobile device identifier; receiving a unified payment code in response to the request for authorization, the unified payment code formatted to apply the plurality of forms of tender to a transaction amount; and providing the unified payment code to a point of sale (POS) system. - View Dependent Claims (18, 19, 20)
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21. A method of mobile device transaction approvals applying a plurality of forms of tender, comprising:
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receiving a payment code from a user of a mobile device; transmitting a transaction amount, a merchant identifier, and the payment code from a point of sale (POS) system; and receiving a unified approval code applying the plurality of forms of tender to the transaction amount. - View Dependent Claims (22, 23, 24, 25, 26)
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Specification