METHOD AND DEVICE FOR MAKING A PAYMENT TRANSACTION
First Claim
1. A method performed by a communication device of a cardholder of a payment card for making a payment transaction over a payment network, wherein the communication device has a radio frequency (RF) communication module, the method comprising:
- receiving, by the communication device, a request for an input of payment account data in respect of the payment transaction;
reading, by the communication device in response to the request, the payment account data from the payment card using the RF communication module; and
transmitting the payment account data from the communication device to the payment network for processing the payment transaction.
1 Assignment
0 Petitions
Accused Products
Abstract
A method and device for making a payment transaction over a payment network are provided. The method employs a communication device associated with a consumer, and has a radio frequency (RF) communication module. The method includes receiving, by the communication device, a request for an input of payment account data in respect of the payment transaction, reading, by the communication device in response to the request, the payment account data from a payment card using the RF communication module, and transmitting the payment account data to the payment network for processing the payment transaction. Devices and non-transitory computer-readable medium storing computer-readable instructions that, when executed, cause a processor to carry out the method are also provided.
22 Citations
24 Claims
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1. A method performed by a communication device of a cardholder of a payment card for making a payment transaction over a payment network, wherein the communication device has a radio frequency (RF) communication module, the method comprising:
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receiving, by the communication device, a request for an input of payment account data in respect of the payment transaction; reading, by the communication device in response to the request, the payment account data from the payment card using the RF communication module; and transmitting the payment account data from the communication device to the payment network for processing the payment transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A communication device for use by a cardholder of a payment card for making a payment transaction over a payment network, the communication device comprising a radio frequency (RF) communication module, a processor, and a data storage device storing program instructions, the program instructions being operative to cause the processor to:
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receive, by the communication device, a request for an input of payment account data in respect of the payment transaction; obtain, by the communication device in response to the request, the payment account data of the payment card using the RF communication module; and transmit the payment account data from the communication device to the payment network for processing the payment transaction. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A non-transitory computer-readable medium storing computer-readable instructions that, when executed, cause a processor of a communication device of a cardholder of a payment card to perform steps of a method for making a payment transaction over a payment network, the method comprising:
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receiving, by the communication device, a request for an input of payment account data in respect of the payment transaction; obtaining by the communication device in response to the request, the payment account data of the payment card using the RF communication module; and transmitting the payment account data from the communication device to the payment network for processing the payment transaction.
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24. (canceled)
Specification