SYSTEM FOR PERSONALIZED PAYMENTS VIA MOBILE DEVICES
First Claim
1. A method comprising:
- receiving, by a processor of a customer mobile device from a payment services provider computer, transaction information including a transaction amount and a merchant identification code;
generating, by the processor, a request for a payment transaction including a customer identification code identifying the customer'"'"'s payment card account, the transaction amount, and instructions to transfer funds from the customer'"'"'s payment card account to a merchant payment card account associated with the merchant identification code;
transmitting, by the processor, the payment transaction request to the payment services provider computer;
receiving, by the processor from the payment services provider computer, a challenge to the customer to provide at least one item of security information;
transmitting the at least one item of security information to the payment services provider to authenticate the customer; and
receiving, by the processor from the payment services provider computer, a confirmation message indicating execution of the payment transaction.
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Accused Products
Abstract
Methods and apparatus for conducting a payment card system payment transaction initiated from a customer'"'"'s mobile device. In an embodiment, the customer'"'"'s mobile device processor receives transaction information from a payment services provider computer, and generates a request for a payment transaction including a customer identification code that identifies the customer'"'"'s payment card account, the transaction amount, and instructions to transfer funds from the payment card account to a merchant payment card account. The method includes transmitting the payment transaction request to the payment services provider computer, receiving a challenge to provide at least one item of security information, transmitting the security information to the payment services provider, and then receiving a confirmation message indicating execution of the payment transaction.
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Citations
18 Claims
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1. A method comprising:
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receiving, by a processor of a customer mobile device from a payment services provider computer, transaction information including a transaction amount and a merchant identification code; generating, by the processor, a request for a payment transaction including a customer identification code identifying the customer'"'"'s payment card account, the transaction amount, and instructions to transfer funds from the customer'"'"'s payment card account to a merchant payment card account associated with the merchant identification code; transmitting, by the processor, the payment transaction request to the payment services provider computer; receiving, by the processor from the payment services provider computer, a challenge to the customer to provide at least one item of security information; transmitting the at least one item of security information to the payment services provider to authenticate the customer; and receiving, by the processor from the payment services provider computer, a confirmation message indicating execution of the payment transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A non-transitory memory device storing instructions configured to cause a processor of a mobile device to:
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receive transaction information including a transaction amount and a merchant identification code from a payment services provider computer; generate a request for a payment transaction including a customer identification code identifying the customer'"'"'s payment card account, the transaction amount, and instructions to transfer funds from the customer'"'"'s payment card account to a merchant payment card account associated with the merchant identification code; transmit the payment transaction request to the payment services provider computer. receive a challenge to the customer from the payment services provider computer to provide at least one item of security information; transmit the at least one item of security information to the payment services provider to authenticate the customer; and receive a confirmation message from the payment services provider computer indicating execution of the payment transaction. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A mobile device comprising:
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a processor; transmit and receive circuitry operably coupled to the processor; an antenna operably connected to the transmit and receive circuitry; and a non-transitory memory device operably coupled to the processor and storing instructions configured to cause the processor to; receive transaction information including a transaction amount and a merchant identification code from a payment services provider computer; generate a request for a payment transaction including a customer identification code identifying the customer'"'"'s payment card account, the transaction amount, and instructions to transfer funds from the customer'"'"'s payment card account to a merchant payment card account associated with the merchant identification code; transmit the payment transaction request to the payment services provider computer. receive a challenge to the customer from the payment services provider computer to provide at least one item of security information; transmit the at least one item of security information to the payment services provider to authenticate the customer; and receive a confirmation message from the payment services provider computer indicating execution of the payment transaction. - View Dependent Claims (18)
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Specification