PAYMENT SERVICES PROVIDER METHODS IN CONNECTION WITH PERSONALIZED PAYMENTS SYSTEM
First Claim
1. A method comprising:
- receiving, by a processor from a merchant device, transaction information comprising at least a transaction amount, merchant identifying information and customer addressing information;
transmitting, by the processor based on the customer addressing information, at least the merchant identifying information to a customer mobile device;
receiving, by the processor from the customer mobile device, a payment transaction request to transfer funds from a customer account to a merchant;
translating, by the processor, the customer addressing information into a customer payment card account number and the merchant identifying information into a merchant payment card account number; and
transmitting, by the processor, the payment transaction request to an issuer financial institution that issued the customer payment card account, the payment transaction request comprising the customer payment card account number, the transaction amount, and the merchant payment card account number.
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Accused Products
Abstract
A method includes a processor receiving transaction information from a merchant device, which includes a transaction amount, merchant identifying information and customer addressing information. The processer transmits the merchant identifying information to a customer mobile device, and receives a payment transaction request to transfer funds from a customer account to a merchant. The processor translates the customer addressing information into a customer payment card account number, and the merchant identifying information into a merchant payment card account number. The processor then transmits the payment transaction request to the customer'"'"'s issuer financial institution, which request includes the customer payment card account number, the transaction amount, and the merchant payment card account number.
33 Citations
18 Claims
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1. A method comprising:
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receiving, by a processor from a merchant device, transaction information comprising at least a transaction amount, merchant identifying information and customer addressing information; transmitting, by the processor based on the customer addressing information, at least the merchant identifying information to a customer mobile device; receiving, by the processor from the customer mobile device, a payment transaction request to transfer funds from a customer account to a merchant; translating, by the processor, the customer addressing information into a customer payment card account number and the merchant identifying information into a merchant payment card account number; and transmitting, by the processor, the payment transaction request to an issuer financial institution that issued the customer payment card account, the payment transaction request comprising the customer payment card account number, the transaction amount, and the merchant payment card account number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. An apparatus, comprising:
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a processor; a communication device operably connected to the processor; and a storage device operably connected to the processor, wherein the storage device stores non-transient instructions configure to cause the processor to; receive transaction information from a merchant device comprising at least a transaction amount, merchant identifying information and customer addressing information; transmit, based on the customer addressing information, at least the merchant identifying information to a customer mobile device; receive a payment transaction request from the customer mobile device to transfer funds from a customer account to a merchant; translate the customer addressing information into a customer payment card account number; translate the merchant identifying information into a merchant payment card account number; and transmit the payment transaction request to an issuer financial institution that issued the customer payment card account, the payment transaction request comprising the customer payment card account number, the transaction amount, and the merchant payment card account number. - View Dependent Claims (13, 14, 15, 16, 17, 18)
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Specification