OBTAINING INFORMATION FOR A PAYMENT TRANSACTION

• US 20130311382A1
• Filed: 05/21/2012
• Published: 11/21/2013
• Est. Priority Date: 05/21/2012
• Status: Abandoned Application

• Current Assignee: Nexiden Inc.
• Original Assignee: William A. Perry Jr
• Inventors: Fosmark, Klaus S., Perry, William A. Jr.
• Application Number:
  US13/476,890
• Publication Number:
  US 20130311382A1
• Time in Patent Office: Days
• US Class Current: 705/71
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: H04B 5/72 for local intradevice communication

Abstract

A computer-readable medium embodies a computer program for obtaining information for a payment transaction. The computer program comprises computer-readable program code for: generating a first message including an identifier and a request for the information, sending the first message via a first communication path, receiving a second message including the information and the identifier via a second path different from the first communication path, and processing the payment transaction using the information obtained in the second message.

Claims

1. A non-transitory computer-readable medium embodying a computer program for obtaining information for a payment transaction, the computer program comprising computer-readable program code for:

generating a first message including an identifier and a request for the information;

sending the first message via a first communication path;

receiving a second message including the information and the identifier via a second path different from the first communication path; and

processing the payment transaction using the information obtained in the second message.

2. The computer-readable medium of claim 1, the computer program further comprising computer-readable program code for:

including a payment amount in the first message.

3. The computer-readable medium of claim 1, wherein the information includes at least one of an account number and an account identifier.

4. The computer-readable medium of claim 1, the computer program further comprising computer-readable program code for:

encoding the first message into an optically-scannable image.

5. The computer-readable medium of claim 4, wherein the payment transaction is an online transaction on a website and the optically-scannable image is presented on a web page of the website.

6. The computer-readable medium of claim 4, wherein the program code for sending the first message via the first communication path comprises computer-readable program code for:

sending the optically-scannable image for display on a display device of an entity associated with the payment transaction.

7. The computer-readable medium of claim 1, wherein the first message is one of:

sent using one of a near field communications (NFC) link and a limited distance point-to-point radio; and

transmitted as audio.

8. The computer-readable medium of claim 1, wherein at least a portion of the first message is encrypted using a private key associated with one of an entity associated with the payment transaction and a third party.

9. The computer-readable medium of claim 1, wherein the second message is encrypted with a public key associated with one of an entity associated with the payment transaction and a third party.

10. The computer-readable medium of claim 1, the computer program further comprising computer-readable program code for:

identifying, from the second message, a shipping address for one or more items associated with the payment transaction.

11. A non-transitory computer-readable medium embodying a computer program for sending information for a payment transaction, the computer program comprising computer-readable program code for:

receiving a first message including an identifier and a request for the information via a first communication path;

generating a second message comprising the identifier and the information requested; and

sending, via a second path different from the first communication path, the second message to one of an entity associated with the payment transaction and a third party.

12. The computer-readable medium of claim 11, wherein the message includes an amount for the payment transaction.

13. The computer-readable medium of claim 11, the computer program further comprising computer-readable program code for:

identifying the first message from an optically-scannable image.

14. The computer-readable medium of claim 13, wherein the program code for identifying the first message from the optically-scannable image comprises computer-readable program code for:

identifying the first message from the optically-scannable image presented on a web page of a website associated with the payment transaction.

15. The computer-readable medium of claim 13, wherein the program code for identifying the first message from the optically-scannable image comprises computer-readable program code for:

identifying the first message from the optically-scannable image presented a display device of the entity associated with the payment transaction.

16. The computer-readable medium of claim 11, the computer program further comprising computer-readable program code for:

receiving the first message using one of a near field communications (NFC) link and a limited distance point-to-point radio; and

identifying the first and message from audio received by the mobile device.

17. The computer-readable medium of claim 11, wherein at least a portion of the first message is encrypted using a private key associated with one of the entity associated with the payment transaction and the third party.

18. The computer-readable medium of claim 11, the computer program further comprising computer-readable program code for:

encrypting the second message encrypted with public key associated with one of the entity associated with the payment transaction and the third party.

19. The computer-readable medium of claim 11, the computer program further comprising computer-readable program code for:

including a shipping address for one or more items associated with the payment transaction in the information in the second message.

20. The computer-readable medium of claim 11, the computer program further comprising computer-readable program code for:

requesting, before sending the second message, an input from a user of the mobile device to verify that the user is an authorized user of the mobile device.

21. The computer-readable medium of claim 20, wherein the input is at least one of a personal identification number, a password, a biometric input, a predefined gesture on a touch screen of the mobile device, and a predefined pattern of movement of the mobile device.

22. A method for obtaining information for a payment transaction, the method comprising:

generating a first message including an identifier and a request for the information;

sending the first message via a first communication path;

receiving a second message including the information and the identifier via a second path different from the first communication path; and

processing the payment transaction using the information obtained in the second message.