METHOD OF COMPLETING A PURCHASE TRANSACTION
First Claim
1. A method of completing a purchase transaction comprising:
- attempting by a transaction terminal to complete a payment through a payment authorization system;
receiving by the transaction terminal a notification from the payment authorization system of a problem resulting in the payment not being completed;
establishing by the transaction terminal a video conferencing session with the representative of a financial system of a financial institution associated with the customer to correct the problem; and
completing by the transaction terminal the payment through the payment authorization system in accordance with an outcome of the video conferencing session.
3 Assignments
0 Petitions
Accused Products
Abstract
A method of completing a purchase transaction in which a customer may conduct a video conferencing session with a financial institution to facilitate payment. In one example embodiment, the method includes attempting by a transaction terminal to complete a payment through a payment authorization system, receiving by the transaction terminal a notification from the payment authorization system of a problem resulting in the payment not being completed, establishing by the transaction terminal a video conferencing session with the representative of a financial system of a financial institution associated with the customer to correct the problem, and completing by the transaction terminal the payment through the payment authorization system in accordance with an outcome of the video conferencing session.
12 Citations
12 Claims
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1. A method of completing a purchase transaction comprising:
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attempting by a transaction terminal to complete a payment through a payment authorization system; receiving by the transaction terminal a notification from the payment authorization system of a problem resulting in the payment not being completed; establishing by the transaction terminal a video conferencing session with the representative of a financial system of a financial institution associated with the customer to correct the problem; and completing by the transaction terminal the payment through the payment authorization system in accordance with an outcome of the video conferencing session. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method of completing a purchase transaction comprising:
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sending by a transaction terminal payment information from a customer payment card to a payment authorization system; receiving by the transaction terminal a notification from the payment authorization system of a problem resulting in the payment not being completed; initiating by the transaction terminal a video conferencing session with the representative of a financial system of a financial institution associated with the customer to correct the problem using contact information obtained from a customer; capturing by the transaction terminal authentication information from the customer; sending the authentication information to the financial intuition; and resending by the transaction terminal the payment information to the payment authorization system in accordance with an outcome of the video conferencing session to complete payment.
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12. A method of completing a purchase transaction comprising:
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sending by a transaction terminal payment information from a customer payment card to a payment authorization system; receiving by the transaction terminal a notification from the payment authorization system of a problem resulting in the payment not being completed; initiating by the transaction terminal a video conferencing session with the representative of a financial institution associated with the customer to correct the problem using contact information obtained from a customer; recording by the transaction terminal a customer code received from the financial intuition and displayed by a customer mobile communication device; and resending by the transaction terminal the payment information to the payment authorization system in accordance with an outcome of the video conferencing session to complete payment.
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Specification