METHODS AND SYSTEMS FOR SELECTING ACCOUNTS AND OFFERS IN PAYMENT TRANSACTIONS

• US 20130238455A1
• Filed: 12/31/2012
• Published: 09/12/2013
• Est. Priority Date: 04/09/2010
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Laracey, Kevin
• Granted Patent: US 9,400,978 B2
• Time in Patent Office: Days
• US Class Current: 705/21
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct payment transactions at merchant locations including brick and mortar locations and remote locations as well as for person to person transactions.

Claims

1. A method for operating a mobile device to complete a payment transaction between a customer and a merchant, where the merchant transmits a merchant payment authorization request message to a transaction management system to initiate transaction processing, the method comprising:

causing a checkout token to be captured by the mobile device, the checkout token presented to the customer at a point of sale;

transmitting, to said transaction management system, information captured from said checkout token;

receiving, from said transaction management system, information associated with said payment transaction; and

transmitting, to said transaction management system, a customer payment authorization request message including information identifying a selected payment account for use in completing said payment transaction.

2. The method of claim 1, wherein said checkout token is captured prior to a calculation, by said merchant, of a total amount due in said payment transaction.

3. The method of claim 2, wherein said checkout token is an identifier usable to lookup information associated with said merchant.