SYSTEM, COMPUTER PROGRAM PRODUCT AND COMPUTER IMPLEMENTED METHOD FOR PURCHASING ITEMS FROM A MERCHANT
First Claim
1. A system for allowing a user to purchase one or more products from a merchant, the system comprising:
- a mobile device associated with the user that includes a tangible, non-transitory memory having stored thereon computer instructions for performing a process of receiving product information associated with a product and a merchant identifier associated with the merchant from a code and a process of using the code to facilitate purchasing the product, the computer instructions executing the steps of;
prompting the user to scan the code using the mobile device;
translating the code to determine at least a product price and merchant identifier;
creating a product purchase prompt on a display associated with the mobile device, the product purchase prompt including at least the product price and a checkout tab for selection by the user;
responsive to the selection of the checkout tab by the user, transmitting a mobile device identifier associated with the mobile device, product price and merchant identifier to a processing server to thereby facilitate an approval of a transaction between the user and the merchant for the product; and
creating a payment approved prompt on the display, responsive to the receipt of approval of the transaction by the processing server.
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Abstract
Embodiments of the invention include systems, computer program products and computer implemented methods for allowing users to purchase one or more products from a merchant. Such embodiments may comprise a mobile device associated with a user, where the mobile device includes a memory having computer instructions that execute the steps of prompting the user to scan the code using the mobile device; translating the code to determine at least a product price and merchant identifier; creating a product purchase prompt on a display associated with the mobile device, and transmitting the product, product price and merchant identifier to a processing server to thereby facilitate an approval of a transaction between the user and the merchant.
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Citations
20 Claims
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1. A system for allowing a user to purchase one or more products from a merchant, the system comprising:
a mobile device associated with the user that includes a tangible, non-transitory memory having stored thereon computer instructions for performing a process of receiving product information associated with a product and a merchant identifier associated with the merchant from a code and a process of using the code to facilitate purchasing the product, the computer instructions executing the steps of; prompting the user to scan the code using the mobile device; translating the code to determine at least a product price and merchant identifier; creating a product purchase prompt on a display associated with the mobile device, the product purchase prompt including at least the product price and a checkout tab for selection by the user; responsive to the selection of the checkout tab by the user, transmitting a mobile device identifier associated with the mobile device, product price and merchant identifier to a processing server to thereby facilitate an approval of a transaction between the user and the merchant for the product; and creating a payment approved prompt on the display, responsive to the receipt of approval of the transaction by the processing server. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer program product comprised of a series of instructions executable on a computer, the computer program product performing a process of receiving product information associated with a product and a merchant identifier associated with the merchant from a code and a process of using the code to facilitate purchasing the product, the computer program product implementing the steps of:
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prompting the user to scan the code using a mobile device; translating the code to determine at least a product price and merchant identifier; creating a product purchase prompt on a display associated with the mobile device, the product purchase prompt including at least the product price and a checkout tab for selection by the user; responsive to the selection of the checkout tab by the user, transmitting a mobile device identifier associated with the mobile device, product price and merchant identifier to a processing server to thereby facilitate an approval of a transaction between the user and the merchant for the product; and creating a payment approved prompt on the display, responsive to the receipt of approval of the transaction by the processing server. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A system for allowing a user to purchase one or more products from a merchant, the system comprising:
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a computer associated with the user and a mobile device, the computer including a tangible, non-transitory memory having stored thereon computer instructions for performing a process of receiving a product price associated with a product and merchant identifier associated with the merchant from the mobile device and a process of using a mobile device identifier associated with the mobile device to facilitate purchasing the product, the computer instructions executing the steps of; creating an enrollee prompt to allow the user to connect the mobile device to the system, the enrollee prompt obtaining from the user a name, a credit card number associated with a user credit card and the mobile device identifier; linking the mobile device identifier to a system user identifier; matching, responsive to receiving from the mobile device the mobile device identifier, the product price and the merchant identifier, the mobile device with the user identifier; debiting the product price from the user credit card associated with the user identifier; and crediting a merchant account associated with the merchant identifier the purchase price. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification