DYNAMIC PAYMENT AUTHORIZATION SYSTEM AND METHOD
First Claim
1. A non-transitory computer-readable storage medium with a computer program for facilitating payment processing stored thereon, wherein the computer program instructs one or more processors to perform the following steps:
- generate a user interface displayable on a display of a computing device of a user;
request, via the user interface, authorization information from the user, wherein the authorization information comprises information that confirms that the user intends to complete a mobile payment transaction at a payment terminal that is not otherwise provisioned to accept mobile payments;
receive the authorization information from the user;
receive a transaction information, wherein the transaction information is indicative of the payment transaction being initiated at the payment terminal;
compare the authorization information with the transaction information; and
based on the result of the comparison, either allowing or disallowing the payment transaction to be completed.
1 Assignment
0 Petitions
Accused Products
Abstract
A computer program, system, and method for facilitating payment processing, including requesting authorization information from a user, with the authorization information confirming that the user intends to complete a payment transaction at a payment terminal. After initial authorization information is received, transaction information is received, with the transaction information being indicative of the payment transaction being initiated at the payment terminal. Finally, the authorization information is compared with transaction information, and based on the result of the comparison, the payment transaction is either allowed or disallowed.
79 Citations
19 Claims
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1. A non-transitory computer-readable storage medium with a computer program for facilitating payment processing stored thereon, wherein the computer program instructs one or more processors to perform the following steps:
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generate a user interface displayable on a display of a computing device of a user; request, via the user interface, authorization information from the user, wherein the authorization information comprises information that confirms that the user intends to complete a mobile payment transaction at a payment terminal that is not otherwise provisioned to accept mobile payments; receive the authorization information from the user; receive a transaction information, wherein the transaction information is indicative of the payment transaction being initiated at the payment terminal; compare the authorization information with the transaction information; and based on the result of the comparison, either allowing or disallowing the payment transaction to be completed. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for facilitating payment processing, the method comprising the steps of:
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providing a set of computer-executable instructions that, when executed by a computing device of a user, generates a user interface displayable on a display of the user'"'"'s computing device; requesting, via the user interface, authorization information from the user, wherein the authorization information comprises information indicative of whether the user intends to complete a payment transaction at a payment terminal that is not otherwise provisioned to accept mobile payments; receiving, via the user interface, the authorization information from the user; receiving a transaction information, wherein the transaction information is indicative of the payment transaction being initiated at the payment terminal; comparing the authorization information with the transaction information; and based on the result of the comparison, either allowing or disallowing the payment transaction to be completed. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A system comprising:
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(a) one or more memory devices; and (b) a computer program stored on the one or more memory devices, wherein the computer program instructs one or more processors to perform the following steps; generate a user interface displayable on a display of a computing device of a user; request, via the user interface, authorization information from the user, wherein the authorization information comprises information that confirms that the user intends to complete a payment transaction at a payment terminal that is not otherwise provisioned to accept mobile payments; receive, via the user interface, the authorization information from the user; receive a transaction information, wherein the transaction information is indicative of the payment transaction being initiated at the payment terminal; compare the authorization information with the transaction information; and based on the result of the comparison, either allowing or disallowing the payment transaction to be completed. - View Dependent Claims (18, 19)
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Specification