METHODS AND SYSTEMS FOR CONDUCTING REMOTE POINT OF SALE TRANSACTIONS

• US 20140101036A1
• Filed: 10/10/2013
• Published: 04/10/2014
• Est. Priority Date: 10/10/2012
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Phillips, Simon, Collinge, Mehdi, Main, Jonathan James
• Application Number:
  US14/050,974
• Publication Number:
  US 20140101036A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• 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 20/38 Payment protocols; Details thereof
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

Systems, methods, apparatus and computer program code are provided for operating a mobile device to conduct a transaction which include obtaining, by a mobile device operating a mobile payment application, a transaction payload from a merchant, extracting a payment gateway identifier from the transaction payload and establishing a secure communication channel with a payment gateway identified by the payment gateway identifier, receiving, from the payment gateway, item data associated with the transaction, the item data obtained by the payment gateway from the merchant, and receiving, from a user operating the mobile device, a confirmation to complete the transaction using a payment account associated with the user and transmitting the confirmation to the payment gateway with payment account credentials associated with the payment account.

Claims

1. A method for operating a mobile device to conduct a transaction, comprising:

obtaining, by a mobile device operating a mobile payment application, a transaction payload from a merchant;

extracting a payment gateway identifier from the transaction payload and establishing a secure communication channel with a payment gateway identified by said payment gateway identifier;

receiving, from said payment gateway, item data associated with said transaction, said item data obtained by said payment gateway from said merchant; and

receiving, from a user operating said mobile device, a confirmation to complete said transaction using a payment account associated with said user and transmitting said confirmation to said payment gateway with payment account credentials associated with said payment account.

2. The method of claim 1, wherein the transaction payload includes at least one of (i) a merchant identifier, (ii) a merchant name, (iii) a payment gateway identifier, (iv) a basket identifier, and (v) a security seal.

3. The method of claim 1, wherein said transaction payload is obtained from said merchant by scanning a code displayed by said merchant, said code encoding data elements of said transaction payload.

4. The method of claim 3, wherein said scanning said code comprises at least one of:

(i) operating a camera of said mobile phone to read a bar code, and (ii) operating a wireless reader of said mobile phone to receive data from a near field communication tag.

5. The method of claim 3, wherein said code is displayed by said merchant on a website viewed by said user on a device other than said mobile device.

6. The method of claim 5, wherein said device other than said mobile device is at least one of:

(i) a personal computer, (ii) a laptop computer, (iii) a tablet computer, and (iv) a set top box, (v) a second mobile mobile device, (vi) a television, and (vii) a gaming console.

7. The method of claim 3, wherein said code is presented by said merchant on an item of printed media as at least one of:

(i) a bar code, (ii) an alphanumeric code, and (iii) an NFC tag.

8. The method of claim 1, wherein said transaction payload is obtained from said merchant by transferring data from a merchant web page to said mobile payment application.

9. The method of claim 1, wherein said transaction payload is obtained from said merchant by transferring data from a merchant mobile application to said mobile payment application.

10. The method of claim 1, wherein said item data obtained by said payment gateway from said merchant are identified using a basket identifier, said basket identifier provided to said payment gateway from said transaction payload.

11. The method of claim 1, wherein said receiving item data associated with said transaction further comprises:

receiving shipping details, said shipping details provided by said merchant to said payment gateway based on said basket identifier; and

determining, by said mobile application, a stored shipping preference of said user.

12. The method of claim 1, wherein said payment account is selected from payment account information stored in a secure element of said mobile device.

13. The method of claim 12, wherein said payment account information stored in a secure element of said mobile device include said payment account credentials, said payment account credentials including at least a primary account number, an expiry date, and a verification code.

14. The method of claim 1, further comprising:

processing said transaction using said payment credentials using a secure payment process.

15. A mobile device, comprising:

a storage device to store a mobile payment application;

a secure element to store payment account information of a user;

a display;

a communication device;

a computer-readable non-transitory storage medium comprising instructions to;

obtain, by said mobile payment application, a transaction payload from a merchant;

extract a payment gateway identifier from the transaction payload and operating said communication device to establish a secure communication channel with a payment gateway identified by said payment gateway identifier;

receive, from said payment gateway, item data associated with said transaction, said item data obtained by said payment gateway from said merchant; and

receive, from a user operating said mobile device, a confirmation to complete said transaction using a payment account associated with said user and transmitting said confirmation to said payment gateway with payment account credentials associated with said payment account.

16. The mobile device of claim 15, wherein said transaction payload is obtained from said merchant by scanning a code displayed by said merchant, said code encoding data elements of said transaction payload including at least a merchant identifier, a merchant name, a payment gateway identifier, a basket identifier, and a security seal.

17. The mobile device of claim 16, wherein said code is displayed by said merchant on at least one of (i) a website viewed by said user on a device other than said mobile device, (ii) on an item of printed media, and (iii) on a display of said mobile device.

18. The mobile device of claim 15, wherein said item data obtained by said payment gateway from said merchant are identified using a basket identifier, said basket identifier provided to said payment gateway from said transaction payload.

19. The mobile device of claim 15, further comprising:

displaying shipping details associated with said transaction on said display device;

determining whether a stored shipping preference of said user is available for said transaction; and

receiving a selection from said user of a shipping preference for said transaction.

20. The mobile device of claim 15, wherein said payment account information stored in said secure element of said mobile device include said payment account credentials, said payment account credentials including at least a primary account number, an expiry date, and a verification code.

21. A payment system for conducting a transaction involving a user operating a mobile device and a merchant, comprising:

a merchant offering items for sale by a merchant, said merchant identified by a merchant identifier;

a payment gateway, said payment gateway providing processing services for said merchant website and identified by a payment gateway identifier;

a mobile device operated by a user, said mobile device storing a payment application stored thereon and information associated with at least a first payment account of said user, the mobile device having a processor operative with computer-readable non-transitory storage medium comprising instructions to;

obtain, by said payment application, a transaction payload from said merchant;

extract said payment gateway identifier from the transaction payload and operating said communication device to establish a secure communication channel with said payment gateway identified by said payment gateway identifier;

receive, from said payment gateway, item data associated with said transaction, said item data obtained by said payment gateway from said merchant; and

receive, from a user operating said mobile device, a confirmation to complete said transaction using a payment account associated with said user and transmitting said confirmation to said payment gateway with payment account credentials associated with said payment account.

22. A method for conducting a remote transaction, comprising:

initiating a transaction between a mobile device and a remote merchant by delivering a transaction payload to the mobile device;

processing the transaction payload and initiating a connection to a payment gateway;

validating, at the payment gateway, the transaction payload;

presenting the transaction payload and a set of identifiers to the remote merchant for validation; and

establishing a first and a second communication channel between the mobile device and the payment gateway to complete said remote transaction.

23. The method of claim 22, wherein said initiating a transaction comprises:

operating said mobile device to scan a code associated with a merchant.

24. The method of claim 22, wherein said initiating a transaction comprises:

operating a browser on said mobile device to interact with a merchant web server.

25. The method of claim 22, wherein said initiating a transaction comprises:

operating a payment application on said mobile device to interact with a merchant web server.