Point-of-sale billing via hand-held devices
DCFirst Claim
1. A method of authenticating a transaction comprising:
- receiving from a hand-held device a transaction request associated with one or more products and a payment amount;
determining a payment source associated with a user of the hand-held device;
authorizing the transaction request;
transmitting an authorization code to the hand-held device prior to completing the transaction request, the authorization code indicating that the payment source authorized deduction of the payment amount from an account of the user that is maintained by the payment source;
storing the authorization code in a transaction database configured to store the authorization code and an indication of the transaction request;
receiving the authorization code at a point-of-sale of the one or more products indicated in the transaction request;
accessing the transaction database;
comparing the received authorization code with the authorization code stored in the transaction database in order to verify the authorization code; and
in response to verifying the authorization code, completing the transaction request by authorizing deduction of a transaction amount from the user account maintained by the payment source and authorizing release of the one or more products to the user of the hand-held device.
1 Assignment
Litigations
2 Petitions
Reexamination
Accused Products
Abstract
A payment resolution module is configured to communicate with hand-held devices (such as mobile phones, PDA'"'"'s, or computers) to allow purchase of products using the hand-held devices, without requiring the user of the hand-held device to enter payment information for each transaction. The user of the hand-held device may be identified as the owner of the device either by having the option to enter a personal identification code, or by using a biometric to identify himself, for example. Accordingly, only an authorized user of the hand-held device may use the hand-held device to purchase products. After the payment resolution module receives authorization for payment, an authorization code is transmitted to the mobile device. The user may be required to present the authorization code at the point of sale, such as by entering the code into a computing device at the point-of-sale, prior to completion of the transaction.
75 Citations
23 Claims
-
1. A method of authenticating a transaction comprising:
-
receiving from a hand-held device a transaction request associated with one or more products and a payment amount; determining a payment source associated with a user of the hand-held device; authorizing the transaction request; transmitting an authorization code to the hand-held device prior to completing the transaction request, the authorization code indicating that the payment source authorized deduction of the payment amount from an account of the user that is maintained by the payment source; storing the authorization code in a transaction database configured to store the authorization code and an indication of the transaction request; receiving the authorization code at a point-of-sale of the one or more products indicated in the transaction request; accessing the transaction database; comparing the received authorization code with the authorization code stored in the transaction database in order to verify the authorization code; and in response to verifying the authorization code, completing the transaction request by authorizing deduction of a transaction amount from the user account maintained by the payment source and authorizing release of the one or more products to the user of the hand-held device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 20, 21, 22, 23)
-
-
12. A system for completing a transaction comprising:
-
a payment authorization source configured to authorize payment for a transaction; a payment resolution module in communication with said payment authorization source; a hand-held device in communication with said payment resolution module, wherein the hand-held device transmits an authorization request to said payment resolution module; an I/O interface in communication with said payment resolution module and configured to transmit an authorization Code to said hand-held device in response to receiving authorization from said payment authorization source; and a confirmation device located at a point-of-sale, the confirmation device configured to receive the authorization code from a user of the hand-held device and, in response to validating the received authorization code, authorize the transaction. - View Dependent Claims (13, 14, 15, 16)
-
-
17. A system for authenticating a transaction comprising:
-
means for transmitting a transaction request corresponding to one or more products; means for receiving the transaction request at a payment resolution module; means for authorizing the transaction request; means for transmitting an authorization code to a hand-held device prior to completing the transaction request; means for verifying the authorization code at a point-of-sale; and means for completing the transaction request by deducting a transaction amount from a payment source in response to an output from the means for verifying.
-
-
18. A method of completing a transaction, the method comprising:
-
receiving information from a hand-held device that relates to one or more desired products, the hand-held device being located remote from a point-of-sale; at the point-of-sale, receiving an authorization code, generated by a payment resolution module, from a user of the hand-held device, the authorization code indicating that the payment source authorized deduction of the payment amount from a payment source, and in response thereto, verifying the authorization code at the point-of sale, deducting a transaction amount from the payment source and providing the goods to the user. - View Dependent Claims (19)
-
Specification