Peer-To-Peer Payment Processing
First Claim
1. A merchant device comprising:
- a display configured to present interactive displays;
communications circuitry configured to facilitate communications with a consumer device and a payment server; and
processing circuitry configured to;
wirelessly send a total cost to the consumer device;
wirelessly receive consumer approval data for a payment from the consumer device, wherein the consumer approval data is secured with wallet identifying data; and
send the consumer approval data to the payment system.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and related methods facilitating payments with a mobile device are discussed herein. Circuitry in a networked-based payment system may be configured to receive payment information from a first device. The first device may include circuitry configured to wirelessly receive wallet identifying data from the payment system. The wallet identifying data may be used to secure messages between the first device and another device over a wireless link. For example, the first device may be configured to send the wallet identifying data to a second device, which may then communicate with the payment system. In response, consumer identifying data associated with the wallet identifying data may be received by the second device from the payment system. In some embodiments, use of wallet identifying data may be applied to other communications, such as for messages that authorize payment.
76 Citations
45 Claims
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1. A merchant device comprising:
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a display configured to present interactive displays; communications circuitry configured to facilitate communications with a consumer device and a payment server; and processing circuitry configured to; wirelessly send a total cost to the consumer device; wirelessly receive consumer approval data for a payment from the consumer device, wherein the consumer approval data is secured with wallet identifying data; and send the consumer approval data to the payment system. - View Dependent Claims (2, 3, 4, 5, 6, 8, 10, 11, 12, 13, 44)
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7. (canceled)
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9. (canceled)
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14-17. -17. (canceled)
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18. A machine-implemented method of receiving a payment, comprising:
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determining, by circuitry, a total cost associated with a payment transaction; wirelessly sending, by the circuitry, the total cost to a consumer device; wirelessly receiving, by the circuitry, consumer approval data from the consumer device, wherein the consumer approval data is secured with wallet identifying data; sending, by the circuitry, the consumer approval data secured with the wallet identifying data to a payment system; and receiving, by the circuitry, a payment confirmation indicating payment of the total cost from the payment system. - View Dependent Claims (19, 20, 21, 22, 24, 25, 26, 27, 45)
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23. (canceled)
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28. (canceled)
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29. (canceled)
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30. A machine-implemented method of facilitating a payment, comprising:
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sending, by circuitry, wallet identifying data to a consumer device; receiving, by the circuitry, consumer approval data associated with a payment from a merchant device, wherein the consumer approval data is secured with wallet identifying data; validating, by the circuitry, the consumer approval data received from the merchant device; and processing, by the circuitry, the payment after validating the consumer approval data received from the merchant device. - View Dependent Claims (31, 32, 33, 34, 35)
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36. A payment system comprising:
a networked device comprising; communications circuitry configured to facilitate communications with a consumer device and a merchant device; and processing circuitry configured to; send wallet identifying data to a consumer device; receive consumer approval data associated with a payment from a merchant device, wherein the consumer approval data is secured with the wallet identifying data; validate the consumer approval data received from the merchant device; and process the payment after validating the consumer approval data received from the merchant device. - View Dependent Claims (37, 38, 41)
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39. (canceled)
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40. (canceled)
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42. (canceled)
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43. (canceled)
Specification