TWO PHASE PAYMENT LINK AND AUTHORIZATION FOR MOBILE DEVICES

• US 20140019277A1
• Filed: 09/24/2013
• Published: 01/16/2014
• Est. Priority Date: 07/07/2010
• Status: Active Grant

• Current Assignee: Toshiba Global Commerce Solutions Holdings Corporation (Toshiba Corporation)
• Original Assignee: Toshiba Global Commerce Solutions Holdings Corporation (Toshiba Corporation)
• Inventors: Lindsey, Paul D., Nilsen, Eric J., Sisson, Mark W.
• Granted Patent: US 9,037,490 B2
• Time in Patent Office: Days
• US Class Current: 705/21
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile 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 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

Aspects of the invention are directed to a two phase payment link and authorization method and system for mobile devices. A method for payment and authorization according to an embodiment includes: requesting and receiving, at a mobile device, a transaction identifier from a payment service; displaying the transaction identifier on a display of the mobile device, wherein the transaction identifier is in a machine readable format; scanning the transaction identifier at a point of sale system; sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service; creating, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier; and sending the transaction information from the payment system to the mobile device.

Claims

1. A method for payment and authorization, comprising:

requesting and receiving, at a mobile device, a transaction identifier from a payment service;

displaying the transaction identifier on a display of the mobile device, wherein the transaction identifier is in a machine readable format;

scanning the transaction identifier at a point of sale system;

sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service;

creating, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier;

sending the transaction information from the payment system to the mobile device; and

authenticating, at the payment service, an identity of a user of the mobile device, the authenticating including entering and storing identity information of the user at the payment service,

wherein the authenticating further includes providing the stored identity information of the user after initiating the payment authorization,

wherein the entering and storing of the identity information is performed prior to the initiating of the payment authorization.

2. The method of claim 1, further comprising:

displaying the transaction information on the display of the mobile device;

receiving a payment method selection;

sending the selected payment method to the payment service;

completing a payment authorization at the payment service; and

sending acknowledgment of the payment authorization to the point of sale system.

3. The method of claim 1, wherein the payment system comprises a payment cloud.

4. The method of claim 1, further comprising:

authenticating an identity of a user of the mobile device.

5. The method of claim 1, wherein the machine readable format comprises a barcode.

6. The method of claim 1, wherein the transaction identifier is unique to a given transaction and is valid for a predetermined period of time.

7. An apparatus for payment and authorization, comprising:

a component for requesting and receiving, at a mobile device, a transaction identifier from a payment service;

a display for displaying the transaction identifier on the mobile device, wherein the transaction identifier is in a machine readable format;

a component for scanning the transaction identifier at a point of sale system;

a component for sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service;

a component for creating, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier;

a component for sending the transaction information from the payment system to the mobile device; and

a component for authenticating, at the payment service, an identity of a user of the mobile device, the authenticating including entering and storing identity information of the user at the payment service,

wherein the component for authenticating further provides the stored identity information of the user after initiating the payment authorization,

wherein the entering and storing of the identity information is performed prior to the initiating of the payment authorization.

8. The apparatus of claim 7, further comprising:

a display for displaying the transaction information on the display of the mobile device;

a component for receiving a payment method selection;

a component for sending the selected payment method to the payment service;

a component for completing a payment authorization at the payment service; and

a component for sending acknowledgment of the payment authorization to the point of sale system.

9. The apparatus of claim 7, wherein the payment system comprises a payment cloud.

10. The apparatus of claim 7, further comprising:

a component for authenticating an identity of a user of the mobile device.

11. The apparatus of claim 7, wherein the machine readable format comprises a barcode.

12. The apparatus of claim 7, wherein the transaction identifier is unique to a given transaction and is valid for a predetermined period of time.

13. A computer program comprising program code embodied in at least one computer-readable storage medium, which when executed, enables a computer system to implement a method for payment and authorization, the method comprising:

requesting and receiving, at a mobile device, a transaction identifier from a payment service;

displaying the transaction identifier on a display of the mobile device, wherein the transaction identifier is in a machine readable format;

scanning the transaction identifier at a point of sale system;

sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service;

creating, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier;

sending the transaction information from the payment system to the mobile device; and

authenticating, at the payment service, an identity of a user of the mobile device, the authenticating including entering and storing identity information of the user at the payment service,

wherein the authenticating further includes providing the stored identity information of the user after initiating the payment authorization,

wherein the entering and storing of the identity information is performed prior to the initiating of the payment authorization.

14. The computer program of claim 13, wherein the method further comprises:

displaying the transaction information on the display of the mobile device;

receiving a payment method selection;

sending the selected payment method to the payment service;

completing a payment authorization at the payment service; and

sending acknowledgment of the payment authorization to the point of sale system.

15. The computer program of claim 13, wherein the payment system comprises a payment cloud.

16. The computer program of claim 13, wherein the method further comprises:

authenticating an identity of a user of the mobile device.

17. The computer program of claim 13, wherein the machine readable format comprises a barcode.

18. The computer program of claim 13, wherein the transaction identifier is unique to a given transaction and is valid for a predetermined period of time.

19. A method of generating a computer system for payment and authorization, the method comprising:

providing a computer system operable to;

request and receive, at a mobile device, a transaction identifier from a payment service;

display the transaction identifier on a display of the mobile device, wherein the transaction identifier is in a machine readable format;

scan the transaction identifier at a point of sale system;

send the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service;

create, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier;

send the transaction information from the payment system to the mobile device; and

authenticating, at the payment service, an identity of a user of the mobile device, the authenticating including entering and storing identity information of the user at the payment service,

wherein the authenticating further includes providing the stored identity information of the user after initiating the payment authorization,

wherein the entering and storing of the identity information is performed prior to the initiating of the payment authorization.