SYSTEM AND METHOD FOR MOBILE PAYMENT TRANSACTIONS

• US 20130185202A1
• Filed: 11/01/2012
• Published: 07/18/2013
• Est. Priority Date: 07/30/2002
• Status: Abandoned Application

• Current Assignee: Verifone, Inc. (Verifone Systems, Inc.)
• Original Assignee: Verifone, Inc. (Verifone Systems, Inc.)
• Inventors: GOLDTHWAITE, Scott, GRAYLIN, William
• Application Number:
  US13/666,942
• Publication Number:
  US 20130185202A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06K 7/0004 Hybrid readers
• CPC Class Codes: G06K 7/0073 having multiple insertion slots, the respective slots suited for the same or different card form factors
• CPC Class Codes: G06K 7/10297 arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092 cryptographic protocols H04L9/00; network security protocols H04L63/00; real-time communication protocols in data switching networks H04L65/00; network protocols for data switching network services H04L67/00
• CPC Class Codes: G06K 7/10881 constructional details of hand-held scanners
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3433 the counter having monetary units
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G07F 7/02 by keys or other credit registering devices
• CPC Class Codes: H04B 1/3816 Mechanical arrangements for accommodating identification devices, e.g. cards or chips; with connectors for programming identification devices

Abstract

A system processes a request by a customer to pay a transaction amount, using the customer'"'"'s account, for a transaction between the customer and a merchant, to provide a payment to an account of the merchant. The transaction incorporates use of a mobile wireless device operated by the customer to provide identification information of the customer'"'"'s account to an authentication server. A payment server coupled to the authentication server and the merchant passes merchant communications to the authentication server. The authentication server receives the transaction amount from the merchant and receives customer account information from the customer'"'"'s wireless mobile device, and processes the transaction and account information and, if authenticated, routes the payment transaction to the payment server for payment to the merchant'"'"'s account.

Claims

1. A system for processing a request by a customer to pay a transaction amount, using the customer'"'"'s account, for a transaction between the customer and a merchant, to provide a payment to an account of the merchant, the transaction incorporating use of a mobile wireless device operated by the customer to provide identification information of the customer'"'"'s account, the system comprising:

an authentication server configured for communications with the customer'"'"'s mobile wireless device; and

a payment server coupled to the authentication server, the payment server configured for communications with the merchant and to pass the merchant communications to the authentication server;

wherein the authentication server receives the transaction amount from the merchant and receives customer account information from the customer'"'"'s wireless mobile device, and processes the transaction and account information and, if authenticated, routes the payment transaction to the payment server for payment to the merchant'"'"'s account.

2. The system of claim 1 wherein the identification information for the payment card is provided to the mobile wireless device from a contactless smart card at the time of the transaction.

3. The system of claim 1 wherein the identification information for the payment card is provided to the mobile wireless device prior to the transaction.

4. The system of claim 1 for processing the request, wherein the transaction is carried out in the merchant'"'"'s store.

5. The system of claim 1 for processing the request, wherein the transaction is carried out via the merchant'"'"'s website.

6. The system of claim 1 involving additional transaction information besides the amount.

7. The system of claim 1 wherein the customer'"'"'s account is a payment card account.

8. The system of claim 1 wherein the authentication server transmits messages to the mobile wireless device in short message service (SMS) format.