MULTI-MODAL TRANSACTION ENGINE FOR MOBILE RETAIL SYSTEMS
First Claim
1. A mobile retailing computing infrastructure comprising:
- an onboard server situated in a public transportation vehicle, the onboard server including computing hardware including a processor, data storage, and communication circuitry, the data storage containing instructions that, when executed by the computing hardware, cause the computing hardware to;
establish communication with a plurality of client devices over a local area network, each client device including a mobile retailing engine that causes the client device to display products offered for sale from multiple different merchants and to execute a user-interactive electronic shopping cart process that coordinates a purchase transaction in which payment is accepted from a user in exchange for a user-selected plurality of products from a plurality of the different merchants;
execute a payment processing engine to obtain customer information, purchased product information, and payment information from each of the plurality of client devices in response to entry of a purchase and payment in that client device;
establish communication with a centralized payment integration server over a wide-area network connection to transmit transaction customer information, purchased products information, and payment information, such that the centralized payment integration server processes payment transactions with a plurality of different acquiring banks corresponding to different ones of the plurality of merchants.
8 Assignments
0 Petitions
Accused Products
Abstract
Autonomous operation of a mobile retailing computing system. In one aspect of the invention, an onboard server situated in a public transportation vehicle establishes communication with a plurality of client devices each client device displaying products offered for sale from multiple different merchants and coordinates a purchase transaction in which payment is accepted in exchange for a products from a plurality of the different merchants. Customer information, purchased product information, and payment information is obtained from each of the plurality of client devices. Communication is established with a payment integration server over a wide-area network connection to enable processing of payment transactions with a plurality of different acquiring banks corresponding to different ones of the plurality of merchants.
15 Citations
20 Claims
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1. A mobile retailing computing infrastructure comprising:
an onboard server situated in a public transportation vehicle, the onboard server including computing hardware including a processor, data storage, and communication circuitry, the data storage containing instructions that, when executed by the computing hardware, cause the computing hardware to; establish communication with a plurality of client devices over a local area network, each client device including a mobile retailing engine that causes the client device to display products offered for sale from multiple different merchants and to execute a user-interactive electronic shopping cart process that coordinates a purchase transaction in which payment is accepted from a user in exchange for a user-selected plurality of products from a plurality of the different merchants; execute a payment processing engine to obtain customer information, purchased product information, and payment information from each of the plurality of client devices in response to entry of a purchase and payment in that client device; establish communication with a centralized payment integration server over a wide-area network connection to transmit transaction customer information, purchased products information, and payment information, such that the centralized payment integration server processes payment transactions with a plurality of different acquiring banks corresponding to different ones of the plurality of merchants. - View Dependent Claims (2, 3)
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4. A mobile retailing computing infrastructure comprising:
an onboard server situated in a public transportation vehicle, the onboard server including a processor, data storage, and communication circuitry, the data storage containing instructions that, when executed by the computing hardware, cause the computing hardware to; establish communication with a plurality of client devices over a local area network, each client device including a mobile retailing engine that causes the client device to display products offered for sale and to execute a user-interactive electronic shopping cart process that coordinates an initiated purchase transaction in which payment is accepted from a user in exchange for a user-selected plurality of products from at least one merchant; execute a payment processing engine to obtain customer information, purchased product information, and payment information from each of the plurality of client devices in response to entry of a purchase and payment in that client device; execute a data replication engine to synchronize the obtained customer information, purchased product information, and payment information with the plurality of client devices such that; for every one of the plurality of client devices that is uniquely associated with a particular at least one user, only information relating to that at least one user is synchronized; and for every one of the plurality of client devices that is not uniquely associated with a particular at least one user, information relating to all users having initiated purchase transactions is synchronized; establish communication with a centralized payment integration server over a wide-area network connection to transmit transaction customer, purchased products information, and payment information, such that the centralized payment integration server processes payment transactions with at least one acquiring bank corresponding to the at least one merchant. - View Dependent Claims (5, 6)
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7. A mobile retailing computing infrastructure comprising:
an onboard server situated in a public transportation vehicle, the onboard server including computing hardware including a processor, data storage, and communication circuitry, the data storage containing instructions that, when executed by the computing hardware, cause the computing hardware to; establish communication with a plurality of client devices over a local area network, each client device executing a mobile retailing engine that causes the client device to; display products offered for sale by a plurality of different merchants, each merchant being associated with a specific payment acceptance policy; and execute a user-interactive electronic shopping cart process that coordinates an initiated purchase transaction in which payment is accepted from a user in exchange for a user-selected set of at least one product from at least one merchant of the plurality of merchants; execute a payment processing engine to; obtain customer information, purchased product information, and payment information from each of the plurality of client devices in response to entry of a purchase and payment in that client device; read the specific payment acceptance policy corresponding to the at least one merchant from which the at least one product is to be purchased according to the initiated purchase transaction; for each of the at least one merchant, compute a comparison of the corresponding specific payment acceptance policy against the initiated purchase transaction to determine whether a purchase approval requirement condition is met; in response to the comparison indicating that the purchase approval requirement is not met, generate an approval of the initiated purchase transaction; in response to the comparison indicating that the purchase approval requirement is met, obtain a transaction authorization via wide-area network communication with a centralized payment integration server, wherein the payment integration server processes payment transactions with at least one acquiring bank corresponding to the at least one merchant. - View Dependent Claims (8, 9, 10)
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11. A method for autonomously operating a mobile retailing computing system, the method comprising:
by an onboard server situated in a public transportation vehicle; establishing communication with a plurality of client devices over a local area network, each client device displaying products offered for sale from multiple different merchants and executing a user-interactive electronic shopping cart process that coordinates a purchase transaction in which payment is accepted from a user in exchange for a user-selected plurality of products from a plurality of the different merchants; obtaining customer information, purchased product information, and payment information from each of the plurality of client devices in response to entry of a purchase and payment in that client device; establishing communication with a centralized payment integration server over a wide-area network connection to transmit transaction customer information, purchased products information, and payment information, such that the centralized payment integration server processes payment transactions with a plurality of different acquiring banks corresponding to different ones of the plurality of merchants. - View Dependent Claims (12, 13)
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14. A method for autonomously operating a mobile retailing computing system, the method comprising:
by an onboard server situated in a public transportation vehicle; establishing communication with a plurality of client devices over a local area network, each client device displaying products offered for sale and executing a user-interactive electronic shopping cart process that coordinates an initiated purchase transaction in which payment is accepted from a user in exchange for a user-selected plurality of products from at least one merchant; obtaining customer information, purchased product information, and payment information from each of the plurality of client devices in response to entry of a purchase and payment in that client device; synchronizing the obtained customer information, purchased product information, and payment information with the plurality of client devices such that; for every one of the plurality of client devices that is uniquely associated with a particular at least one user, only information relating to that at least one user is synchronized; and for every one of the plurality of client devices that is not uniquely associated with a particular at least one user, information relating to all users having initiated purchase transactions is synchronized; establishing communication with a centralized payment integration server over a wide-area network connection to transmit transaction customer, purchased products information, and payment information, such that the centralized payment integration server processes payment transactions with at least one acquiring bank corresponding to the at least one merchant. - View Dependent Claims (15, 16)
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17. A method for autonomously operating a mobile retailing computing system, the method comprising:
by an onboard server situated in a public transportation vehicle; establishing communication with a plurality of client devices over a local area network, each client device executing a mobile retailing engine that causes the client device to; display products offered for sale by a plurality of different merchants, each merchant being associated with a specific payment acceptance policy; and execute a user-interactive electronic shopping cart process that coordinates an initiated purchase transaction in which payment is accepted from a user in exchange for a user-selected set of at least one product from at least one merchant of the plurality of merchants; obtaining customer information, purchased product information, and payment information from each of the plurality of client devices in response to entry of a purchase and payment in that client device; reading the specific payment acceptance policy corresponding to the at least one merchant from which the at least one product is to be purchased according to the initiated purchase transaction; for each of the at least one merchant, computing a comparison of the corresponding specific payment acceptance policy against the initiated purchase transaction to determine whether a purchase approval requirement condition is met; in response to the comparison indicating that the purchase approval requirement is not met, generating an approval of the initiated purchase transaction; in response to the comparison indicating that the purchase approval requirement is met, obtaining a transaction authorization via wide-area network communication with a centralized payment integration server, wherein the payment integration server processes payment transactions with at least one acquiring bank corresponding to the at least one merchant. - View Dependent Claims (18, 19, 20)
Specification