CLOUD BASED PAYMENT METHOD

• US 20150262163A1
• Filed: 10/03/2013
• Published: 09/17/2015
• Est. Priority Date: 10/05/2012
• Status: Active Grant

• Current Assignee: Alcatel-Lucent SA (Nokia Corporation)
• Original Assignee: Alcatel-Lucent SA (Nokia Corporation)
• Inventors: Belpaire, Anthony, Natu, Amol
• Granted Patent: US 9,672,513 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 10/00 Administration; Management
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A cloud based payment method for payment at a merchant'"'"'s electronic cash register (202) comprising the steps of: upfront: A. registering payment credentials (101) of a user; at check-in of a store of a participating merchant: B1. launching a cloud payment application (211) on a mobile terminal (201) to establish connectivity with a cloud payment service (100); and at check-out at an electronic cash register (202): C1. identifying (221, 222; 321, 323) the user with the cloud payment service (100) through an identification shared with the cloud payment service (100) via the electronic cash register (202) or via the cloud payment application (211); C2. communicating (222; 322) an amount payable from the electronic cash register (202) to the cloud payment service (100); C3. communicating (223; 324) the amount payable from the cloud payment service (100) to the cloud payment application (211); C4. receiving (224; 325) confirmation of the amount payable from the user; C5. obtaining (225; 326) payment authorization using the payment credentials (101); and C6. confirming (226; 327) payment from the cloud payment service (100) to the electronic cash register (202).

Claims

1. A cloud based payment method for payment at a merchant'"'"'s electronic cash register comprising:

upfront;

registering payment credentials of a user with a cloud payment service wherein also participating merchants are registered;

at check-in of a store of a participating merchant;

B1. launching a cloud payment application on a mobile terminal of said user, said cloud payment application establishing connectivity with said cloud payment service;

and at check-out at an electronic cash register of said participating merchant;

identifying said user with said cloud payment service through an identification shared with said cloud payment service via said electronic cash register or via said cloud payment application;

communicating an amount payable from said electronic cash register to said cloud payment service;

communicating said amount payable from said cloud payment service to said cloud payment application;

receiving confirmation of said amount payable from said user;

obtaining payment authorization by said cloud payment service using said payment credentials; and

confirming payment from said cloud payment service to said electronic cash register.

2. A cloud based payment method according to claim 1, further comprising:

registering one or more loyalty cards of said user with said cloud payment service; and

selecting said participating merchant through its loyalty card.

3. A cloud based payment method according to claim 2, further comprising:

communicating a loyalty ID of said user with said merchant from said electronic cash register to said cloud payment service in order to identify said user with said cloud payment service in said identifying.

4. A cloud based payment method according to claim 2, further comprising:

updating the status of a loyalty card of said user with said merchant after said payment.

5. A cloud based payment method according to claim 1, further comprising:

obtaining a basket ID from said electronic cash register, said basket ID being a unique identification code for a single payment procedure at said merchant; and

communicating said basket ID from said cloud payment application to said cloud payment service in order to identify said user with said cloud payment service.

6. A cloud based payment method according to claim 1, further comprising:

uploading one or more vouchers or coupons of said user into said cloud payment service;

modifying said amount payable in view of said vouchers or coupons; and

communicating a modified amount payable to said electronic cash register and said cloud payment application before receiving confirmation from said user.

7. A cloud based payment method according to claim 1, further comprising:

PIN confirmation by said user when said amount payable exceeds a certain threshold.

8. A cloud based payment method according to claim 1, wherein selecting said participating merchant comprises:

determining a location of said mobile terminal through positioning technology integrated in said mobile terminal; and

producing a list of participating merchants within the neighbourhood of said location thereby enabling said user to make a selection.

9. A cloud based payment method according to claim 1, further comprising:

communicating from said cloud payment service to said cloud payment application offers valid for said user at said merchant.

10. A cloud payment service for use in the method according to claim 1.

11. A cloud payment application for use in the method according to claim 1.