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MOBILE DEVICE AUTHORIZATION SYSTEM FOR CONCURRENT SUBMISSION OF MULTIPLE TENDER TYPES

  • US 20130138516A1
  • Filed: 11/28/2011
  • Published: 05/30/2013
  • Est. Priority Date: 11/28/2011
  • Status: Active Grant
First Claim
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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.

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