MOBILE PAYMENT TRANSACTION PROCESSING VIA UNATTENDED TERMINAL
First Claim
Patent Images
1. A method of vending a product and/or service, the method comprising:
- a user device transmitting, via a first data network, a transaction request that includes a terminal identifier and a user account identifier, wherein the user account identifier uniquely identifies a user account in a payment system;
a component coupled to the first data network and to a second data network receiving the transaction request and using the terminal identifier to direct transaction request information to an unattended terminal coupled to the second network, wherein the transaction request information is derived from the transaction request and includes information identifying the user account;
the unattended terminal receiving the transaction request information from the second data network;
the unattended terminal sending a payment authorization request to the payment system, wherein the payment authorization request includes the information identifying the user account;
the unattended terminal receiving a payment authorization response to the payment authorization request; and
the unattended terminal acting in accordance with information included in the authorization response, including enabling a product and/or service to be vended in response to the authorization response information indicating that a payment has been authorized by the payment system.
6 Assignments
0 Petitions
Accused Products
Abstract
A mobile payment application loaded upon a user device allows a user to perform mobile payment transactions for the purchase of a product and/or service via an unattended terminal over a network. The networked unattended terminal is operationally coupled with a mechanism, such as a vending machine, for delivering the purchased product and/or service to the user.
35 Citations
20 Claims
-
1. A method of vending a product and/or service, the method comprising:
-
a user device transmitting, via a first data network, a transaction request that includes a terminal identifier and a user account identifier, wherein the user account identifier uniquely identifies a user account in a payment system; a component coupled to the first data network and to a second data network receiving the transaction request and using the terminal identifier to direct transaction request information to an unattended terminal coupled to the second network, wherein the transaction request information is derived from the transaction request and includes information identifying the user account; the unattended terminal receiving the transaction request information from the second data network; the unattended terminal sending a payment authorization request to the payment system, wherein the payment authorization request includes the information identifying the user account; the unattended terminal receiving a payment authorization response to the payment authorization request; and the unattended terminal acting in accordance with information included in the authorization response, including enabling a product and/or service to be vended in response to the authorization response information indicating that a payment has been authorized by the payment system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
-
-
12. An apparatus for vending a product and/or service, the apparatus comprising:
-
a user device configured to transmit, via a first data network, a transaction request that includes a terminal identifier and a user account identifier, wherein the user account identifier uniquely identifies a user account in a payment system; a component coupled to the first data network and to a second data network, wherein the component is configured to receive the transaction request and to use the terminal identifier to direct transaction request information to an unattended terminal coupled to the second network, wherein the transaction request information is derived from the transaction request and includes information identifying the user account; the unattended terminal, wherein; the unattended terminal is configured to receive the transaction request information from the second data network; the unattended terminal is configured to send a payment authorization request to the payment system, wherein the payment authorization request includes the information identifying the user account; the unattended terminal is configured to receive a payment authorization response to the payment authorization request; and the unattended terminal is configured to act in accordance with information included in the authorization response, including enabling a product and/or service to be vended in response to the authorization response information indicating that a payment has been authorized by the payment system. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
-
-
20. A non-transitory computer readable medium having stored thereon a set of program instructions that, when executed by one or more processors, cause the one or more processors to perform a method of vending a product and/or service, the method comprising:
-
a component coupled to a first data network and to a second data network receiving, from the first data network, a transaction request that includes a terminal identifier and a user account identifier, wherein the user account identifier uniquely identifies a user account in a payment system; the component using the terminal identifier to direct transaction request information to an unattended terminal coupled to the second network, wherein the transaction request information is derived from the transaction request and includes information identifying the user account; the unattended terminal receiving the transaction request information from the second data network; the unattended terminal sending a payment authorization request to the payment system, wherein the payment authorization request includes the information identifying the user account; the unattended terminal receiving a payment authorization response to the payment authorization request; and the unattended terminal acting in accordance with information included in the authorization response, including enabling a product and/or service to be vended in response to the authorization response information indicating that a payment has been authorized by the payment system.
-
Specification