Transaction Systems, and Related Methods

• US 20150088738A1
• Filed: 09/23/2014
• Published: 03/26/2015
• Est. Priority Date: 09/24/2013
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Cateland, Axel, Schlosser, Vincent, Cappelli, Valentina
• Granted Patent: US 10,127,534 B2
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile 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 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 2240/00 Transportation facility access, e.g. fares, tolls or parking

Abstract

A portable device configured to enable completion of transactions. The portable device comprises an input mechanism arranged to enable input of an identifier into the portable device, and a selection mechanism arranged to enable the user to select a payment mechanism to be associated with the identifier. The portable device further comprises a communication module arranged to transmit data relating to the identifier and the payment mechanism selection to a remote server. Completion of a subsequent transaction relating to the identifier is enabled using the selected payment mechanism.

Claims

1. A portable device configured to enable completion of transactions, the portable device comprising:

an input mechanism arranged to enable input of an identifier into the portable device;

a selection mechanism arranged to enable the user to select a payment mechanism to be associated with the identifier; and

a communication module arranged to transmit data relating to the identifier and the payment mechanism selection to a remote server;

wherein completion of a subsequent transaction relating to the identifier is enabled using the selected payment mechanism.

2. A portable device according to claim 1, wherein the payment mechanism is a digital wallet entry of a digital wallet, and wherein the digital wallet entry is associated with a payment card.

3. A portable device according to claim 2, wherein the communication module is arranged to receive data relating to digital wallet entries from the remote server.

4. A portable device according to claim 2, wherein the selection mechanism is arranged to present to the user at least one digital wallet entry associated with a payment card.

5. A portable device according to claim 4, wherein the selection mechanism comprises a touch screen.

6. A portable device according to claim 1, wherein the input mechanism comprises a sensor arrangement arranged to capture the identifier.

7. A portable device according to claim 6, wherein the sensor arrangement is arranged to capture an image of the identifier, and the input mechanism further comprises a processor arranged to identify the identifier from within the image.

8. A portable device according to claim 7, wherein the sensing arrangement is a camera.

9. A portable device according to claim 1, wherein the input mechanism comprises an alphanumeric keypad configured to allow the user to enter the identifier into the portable device.

10. A portable device according to claim 1, wherein the portable device is a mobile telephone or tablet device.

11. A portable device according to claim 1, wherein the identifier is a registration number of a vehicle associated with the user.

12. A portable device according to claim 11, wherein the input mechanism includes an automatic number plate recognition system for registration number recognition.

13. A portable device according to claim 11, wherein the transaction relating to the identifier for which completion is enabled can be at least one of:

payment for passage of the vehicle through a toll-gate;

payment for entry of the vehicle into a congestion charging zone;

payment for parking in a car park; and

payment for petrol at a petrol station.

14. A portable device according to claim 1, wherein the identifier is a user'"'"'s face.

15. A portable device according to claim 14, wherein the input mechanism includes an automatic facial recognition system for recognition of the user'"'"'s face.

16. An application for a portable device, the application being arranged to enable completion of transactions, the portable device comprising an input mechanism arranged to enable input of data into the portable device, a selection mechanism, and a communication module arranged to transmit data to a remote server, wherein the application is arranged to:

enable input of an identifier using the input mechanism;

present to a user at least one payment mechanism;

enable the user to select a payment mechanism to be associated with the identifier using the selection mechanism; and

transmit data relating to the identifier and the payment mechanism selection to a remote server using the communication module;

wherein completion of a subsequent transaction related to the identifier is enabled using the selected payment mechanism.

17. A method of completing transactions, comprising:

detecting an identifier;

identifying a payment mechanism associated with the identifier, wherein the payment mechanism is related to a payment card; and

completing the transaction using the payment mechanism.

18. A method according to claim 17, wherein detecting the identifier comprises capturing an image of the identifier, and analysing the image to identify the identifier.

19. A method according to claim 17, further comprising sending a confirmation request to a user prior to completing the transaction.

20. A method according to claim 19, comprising completing the transaction in dependence on receiving confirmation from the user.