SYSTEMS AND METHODS FOR FACILITATING BILL PAYMENT FUNCTIONALITY IN MOBILE COMMERCE

• US 20140100931A1
• Filed: 09/11/2013
• Published: 04/10/2014
• Est. Priority Date: 09/11/2012
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Sanchez, J. Scott, Royyuru, Vijay Kumar, Adkisson, Brent Dewayne, Myers, Jerome Wendell
• Granted Patent: US 10,664,822 B2
• Time in Patent Office: Days
• US Class Current: 705/14.23
• CPC Class Codes: B60S 3/00 Vehicle cleaning apparatus not integral with vehicles cleaning in general B08B; cleaning peculiar to waterborne vessels B63B57/00, B63B59/00; ground equipment for cleaning aircraft B64F5/30
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• 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 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• 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 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0233 Method of redeeming a frequent usage reward
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0625 Directed, with specific intent or strategy
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: H04L 63/083 : using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226

Abstract

The disclosure relates to systems and methods for facilitating bill payment functionality in mobile commerce. In one embodiment, a method can include receiving a transaction code at the mobile device; transmitting the transaction code to a merchant device for association with a transaction; receiving transaction information associated with a transaction based on the transaction code at the mobile device; displaying the transaction information at the mobile device; displaying at least one payment option at the mobile device; receiving a selection of one of the at least one payment option; transmitting the selected payment option and transaction information from the mobile device for approval of the payment of the transaction; receiving notification of approval of the payment at the mobile device; and receiving a payment completion code associated with the notification of approval, wherein the payment completion code is provided to the consumer on a bill associated with the transaction.

Claims

1. A method of paying a bill from a consumer'"'"'s mobile device, the method comprising:

receiving a transaction code at the mobile device;

transmitting the transaction code to a merchant device for association with a transaction;

receiving transaction information associated with a transaction based on the transaction code at the mobile device;

displaying the transaction information at the mobile device;

displaying at least one payment option for selection at the mobile device, wherein each payment option is configured to facilitate a payment of the transaction;

receiving a selection of one of the at least one payment option;

transmitting the selected payment option and transaction information from the mobile device for approval of the payment of the transaction;

receiving notification of approval of the payment at the mobile device; and

receiving a payment completion code associated with the notification of approval, wherein the payment completion code is configured to be provided to the consumer on a bill associated with the transaction.

2. The method of claim 1, further comprising:

providing a mobile commerce program application to the consumer'"'"'s mobile device; and

generating a consumer account based at least in part on personal and/or payment information associated with the consumer.

3. The method of claim 1, further comprising:

receiving a coupon for the transaction, the coupon comprising a reduction of a coupon amount;

transmitting the selected payment option, transaction information, and the coupon from the mobile device for approval of the payment of the transaction; and

receiving notification of approval of the payment at the mobile device, wherein the bill amount is reduced by the coupon amount for the transaction.

4. The method of claim 1, wherein the transaction code comprises at least one of the following:

an alphanumeric string, a QR code, a bar code, or a unique number.

5. The method of claim 1, further comprising:

receiving an indication from a consumer to split the bill among two or more consumers;

receiving the bill to be split among two or more consumers;

receiving inputs associated with a number of people to split the bill among, tip amount, and identifying other consumers and/or contact information for other the consumers;

receiving payment instructions from the other consumers;

based at least in part on the inputs and/or payment instructions, facilitate payment processing of the bill among the two or more consumers;

providing payment confirmation requests and/or payment notifications to one or more of the consumers; and

providing payment confirmation notification to a merchant.

6. The method of claim 1, further comprising:

receiving an indication from a consumer to split the bill among two or more consumers;

receiving the bill to be split among two or more consumers;

receiving inputs associated with a number of people to split the bill among, tip amount, and identifying other consumers and/or contact information for other the consumers;

receiving payment instructions from the other consumers;

based at least in part on the inputs and/or payment instructions, facilitate payment processing of the bill among the two or more consumers;

providing payment confirmation requests and/or payment notifications to one or more of the consumers; and

providing payment confirmation notification to a merchant.

7. The method of claim 1, further comprising:

receiving an indication from a consumer to split a bill among two or more consumers;

receiving the bill to be split among the two or more consumers;

providing a list of items from the bill to each of the consumers;

receiving inputs from the consumers selecting one or more items to pay for;

receiving payment instructions for the consumers selecting one or more items to pay for;

calculating a total bill and/or tip for each consumer;

receiving payment instructions from the consumers;

facilitating payment processing of the bill among two or more consumers;

providing payment confirmation requests and/or payment notifications to two or more consumers; and

providing payment confirmation notification to the merchant.

8. The method of claim 1, further comprising:

receiving an indication from a consumer to split the bill among two or more consumers;

transmitting a bill to a split-the-bill application program;

receiving notification concerning unpaid amounts and/or items, and/or payment disputes by one or more consumers; and

receiving payment confirmation of the bill from the split-the-bill application program.

9. A method of paying a bill from a consumer'"'"'s mobile device, the method comprising:

providing a mobile commerce program application to a consumer'"'"'s mobile device;

generating a consumer account based at least in part on personal and/or payment information associated with the consumer;

receiving an indication the consumer is visiting a merchant location to purchase a good and/or service;

identifying the consumer at the merchant location based at least in part on information received from the consumer'"'"'s mobile device;

outputting consumer information to a merchant computer system and/or merchant computer device;

associating the consumer with a merchant transaction;

receiving consumer payment information and consumer confirmation of the transaction; and

generating notification of the transaction and/or of any loyalty/reward credit for the transaction.

10. The method of claim 9, further comprising:

providing a transaction number or code to the consumer;

receiving the transaction number or code from the consumer; and

associating the consumer with a merchant transaction based at least in part on the transaction number or code.

11. A system for code-based payment from a consumer'"'"'s mobile device, the system comprising:

at least one processor operable to execute computer-executable instructions; and

at least one memory operable to store computer-executable instructions to;

receive a transaction code at the mobile device;

direct communication of the transaction code to a merchant device for association with a transaction;

receive transaction information associated with a transaction based on the transaction code at the mobile device;

display the transaction information at the mobile device;

display at least one payment option for selection at the mobile device, wherein each payment option is configured to facilitate a payment of the transaction;

receive a selection of one of the at least one payment option;

direct communication of the selected payment option and transaction information from the mobile device for approval of the payment of the transaction;

receive notification of approval of the payment at the mobile device; and

receive a payment completion code associated with the notification of approval, wherein the payment completion code is configured to be provided to the consumer on a bill associated with the transaction.

12. The system of claim 11, wherein the computer-executable instructions are further operable to:

provide a mobile commerce program application to the consumer'"'"'s mobile device; and

generate a consumer account based at least in part on personal and/or payment information associated with the consumer.

13. The system of claim 11, wherein the computer-executable instructions are further operable to:

receive a coupon for the transaction, the coupon comprising a reduction of a coupon amount;

transmit the selected payment option, transaction information, and the coupon from the mobile device for approval of the payment of the transaction; and

receive notification of approval of the payment at the mobile device, wherein the bill amount is reduced by the coupon amount for the transaction.

14. The system of claim 11, wherein the transaction code comprises at least one of the following:

an alphanumeric string, a QR code, a bar code, or a unique number.

15. The system of claim 11, wherein the computer-executable instructions are further operable to:

receive an indication from a consumer to split the bill among two or more consumers;

receive the bill to be split among two or more consumers;

receive inputs associated with a number of people to split the bill among, tip amount, and identifying other consumers and/or contact information for other the consumers;

receive payment instructions from the other consumers;

based at least in part on the inputs and/or payment instructions, facilitate payment processing of the bill among the two or more consumers;

provide payment confirmation requests and/or payment notifications to one or more of the consumers; and

provide payment confirmation notification to a merchant.

16. The system of claim 11, wherein the computer-executable instructions are further operable to:

receive an indication from a consumer to split the bill among two or more consumers;

receive the bill to be split among two or more consumers;

receive inputs associated with a number of people to split the bill among, tip amount, and identifying other consumers and/or contact information for other the consumers;

receive payment instructions from the other consumers;

based at least in part on the inputs and/or payment instructions, facilitate payment processing of the bill among the two or more consumers;

provide payment confirmation requests and/or payment notifications to one or more of the consumers; and

provide payment confirmation notification to a merchant.

17. The system of claim 11, wherein the computer-executable instructions are further operable to:

receive an indication from a consumer to split the bill among two or more consumers;

receive the bill to be split among the two or more consumers;

provide a list of items from the bill to each of the consumers;

receive inputs from the consumers selecting one or more items to pay for;

receive payment instructions for the consumers selecting one or more items to pay for;

calculate a total bill and/or tip for each consumer;

receive payment instructions from the consumers;

facilitate payment processing of the bill among two or more consumers;

provide payment confirmation requests and/or payment notifications to two or more consumers; and

provide payment confirmation notification to the merchant.

18. The system of claim 11, wherein the computer-executable instructions are further operable to:

receive an indication from a consumer to split the bill among two or more consumers;

transmit the bill to a split-the-bill application program;

receive notification concerning unpaid amounts and/or items, and/or payment disputes by one or more consumers; and

receive payment confirmation of the bill from the split-the-bill application program.