SYSTEMS AND METHODS FOR CONTACTLESS TRANSACTION PROCESSING

• US 20140207682A1
• Filed: 03/20/2014
• Published: 07/24/2014
• Est. Priority Date: 09/22/2011
• Status: Abandoned Application

• Current Assignee: SecureKey Technologies, Inc. (Gen Digital Inc.)
• Original Assignee: SecureKey Technologies, Inc. (Gen Digital Inc.)
• Inventors: Wolfond, Greg, Boysen, Andre, Varley, Michael, Das, Abhishek, Ronda, Troy
• Application Number:
  US14/220,488
• Publication Number:
  US 20140207682A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• 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 20/382 insuring higher security of transaction

Abstract

Systems and methods for performing mobile commerce transactions using mobile devices. A transaction initiation request is received at a transaction server from a merchant device. The transaction server generates a transaction identifier, which is transmitted to the merchant device. The merchant device communicates the transaction identifier to a customer device. The customer device transmits the transaction identifier to the transaction server and authorizes the transaction with the transaction server.

Claims

1. A method of enabling a transaction between a merchant device and a customer device, the method comprising:

a) receiving a transaction initiation request at a transaction server;

b) generating a transaction identifier and transmitting the transaction identifier to the merchant device;

c) receiving the transaction identifier from the customer device, wherein the transaction identifier has been exchanged via proximity communication with the merchant device;

d) transmitting transaction detail data to the customer device;

e) receiving a transaction authorization from the customer device; and

f) in response to the transaction authorization, completing the transaction.

2. The method of claim 1, wherein the proximity communication comprises near-field communication.

3. The method of claim 1, wherein the proximity communication comprises use of a QR code.

4. The method of claim 1, wherein the transaction identifier is transmitted to the merchant device in a push notification.

5. The method of claim 1, wherein the at least one transaction item is transmitted to the customer device in a push notification.

6. A transaction server for enabling a transaction between a merchant device and a customer device, the transaction server comprising:

a) a network interface;

b) a memory; and

c) a processor, the processor configured to;

receive a transaction initiation request;

generate a transaction identifier and transmit the transaction identifier to the merchant device;

receive the transaction identifier from the customer device, wherein the transaction identifier has been exchanged via proximity communication with the merchant device;

transmit transaction detail data to the customer device;

receive a transaction authorization from the customer device; and

in response to the transaction authorization, complete the transaction.

7. The transaction server of claim 6, wherein the proximity communication comprises near-field communication.

8. The transaction server of claim 6, wherein the proximity communication comprises use of a QR code.

9. The transaction server of claim 6, wherein the transaction identifier is transmitted to the merchant device in a push notification.

10. The transaction server of claim 6, wherein the at least one transaction item is transmitted to the customer device in a push notification.

11. A system for enabling a transaction, the system comprising:

a) a transaction server configured to;

i) receive a transaction initiation request;

ii) generate a transaction identifier;

b) a merchant device configured to;

i) receive the transaction identifier;

ii) activate a proximity communication interface to transmit the transaction identifier;

c) a customer device configured to;

i) receive the transaction identifier via the proximity communication interface;

ii) transmit the transaction identifier to the transaction server;

iii) receive transaction detail data from the transaction server, wherein the transaction detail data is transmitted by the transaction server in response to receiving the transaction identifier from the customer device;

iv) request a transaction authorization from a user of the customer device; and

v) in response to receiving the transaction authorization, transmit the transaction authorization to the transaction server to enable the transaction server to complete the transaction.

12. The system of claim 11, wherein the proximity communication comprises near-field communication.

13. The system of claim 11, wherein the proximity communication comprises use of a QR code.

14. The system of claim 11, wherein the transaction identifier is received by the merchant device in a push notification.

15. The system of claim 11, wherein the at least one transaction item is received by the customer device in a push notification.