MOBILE IMAGE PAYMENT SYSTEM USING SOUND-BASED CODES
First Claim
1. A non-transitory computer readable storage medium with an executable payment application stored thereon, the payment application configured for generating a payment request for receipt by a transaction interface over a communications network such that that the transaction interface is separate and remote from a merchant interface over the communications network, a transaction of the payment request associated with a merchant providing a product to a consumer, wherein the payment application instructs a computer processor to perform the following steps of:
- receiving a sound code containing sound-based transaction data, wherein the transaction data is representative of merchant data associated with the product;
receiving a consumer identifier, wherein the consumer identifier identifies the consumer;
sending the payment request including the product data and the consumer identifier to the transaction interface over the communications network; and
receiving a confirmation of approval or denial of the payment request from the transaction interface.
1 Assignment
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Accused Products
Abstract
A non-transitory computer readable storage medium with an executable payment application stored thereon, the payment application configured for generating a payment request for receipt by a transaction interface over a communications network such that that the transaction interface is separate and remote from a merchant interface over the communications network, a transaction of the payment request associated with a merchant providing a product to a consumer, wherein the payment application instructs a computer processor to perform the following steps of: receiving a sound code containing sound-based transaction data, wherein the transaction data is representative of merchant data associated with the product; receiving a consumer identifier, wherein the consumer identifier identifies the consumer; sending the payment request including the product data and the consumer identifier to the transaction interface over the communications network; and receiving a confirmation of approval or denial of the payment request from the transaction interface.
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Citations
16 Claims
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1. A non-transitory computer readable storage medium with an executable payment application stored thereon, the payment application configured for generating a payment request for receipt by a transaction interface over a communications network such that that the transaction interface is separate and remote from a merchant interface over the communications network, a transaction of the payment request associated with a merchant providing a product to a consumer, wherein the payment application instructs a computer processor to perform the following steps of:
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receiving a sound code containing sound-based transaction data, wherein the transaction data is representative of merchant data associated with the product; receiving a consumer identifier, wherein the consumer identifier identifies the consumer;
sending the payment request including the product data and the consumer identifier to the transaction interface over the communications network; andreceiving a confirmation of approval or denial of the payment request from the transaction interface. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A transaction system for coordinating processing of a payment request associated with a transaction between a consumer and a merchant, the transaction associated with the merchant providing a product to the consumer, the system comprising:
- a computer processor coupled to a memory, wherein the computer processor is programmed to coordinate processing of the payment request by;
receiving the payment request including sound-based transaction data associated with a sound code and a consumer identifier; accessing a lookup database using the transaction data to obtain transaction information related to the transaction request, the transaction information including at least one of product information of the product or merchant information of the merchant;
using said consumer identifier to identify consumer payment account information;creating a transaction request using the consumer payment account information and the transaction information; sending said transaction request to a payment platform;
receiving approval of the transaction request from the payment platform in the event the payment account of the consumer has sufficient funds to cover an amount of the transaction; andsending a confirmation of the approval of the transaction request to a mobile device of the consumer associated with the consumer identifier and to a computer device associated with the merchant. - View Dependent Claims (13, 14, 15, 16)
- a computer processor coupled to a memory, wherein the computer processor is programmed to coordinate processing of the payment request by;
Specification