Mobile phone payment processing methods and systems
First Claim
Patent Images
1. A method for operating a mobile device to complete a payment transaction between a customer and a merchant, where the merchant transmits a merchant payment authorization request message to a transaction management system to initiate transaction processing, the method comprising:
- causing a checkout token to be captured by the mobile device, the checkout token presented to the customer at a point of sale;
transmitting, to said transaction management system, information captured from said checkout token;
receiving, from said transaction management system, information associated with said payment transaction including information identifying a list of accounts associated with the customer; and
transmitting, to said transaction management system, a customer payment authorization request message including information identifying at least one selected payment account for use in completing said payment transaction, said at least one selected payment account selected from said list of accounts.
3 Assignments
0 Petitions
Accused Products
Abstract
Embodiments provide systems, methods, processes, and computer program code for using mobile devices to conduct payment transactions at merchant locations including brick and mortar locations and remote locations as well as for person to person transactions.
576 Citations
64 Claims
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1. A method for operating a mobile device to complete a payment transaction between a customer and a merchant, where the merchant transmits a merchant payment authorization request message to a transaction management system to initiate transaction processing, the method comprising:
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causing a checkout token to be captured by the mobile device, the checkout token presented to the customer at a point of sale; transmitting, to said transaction management system, information captured from said checkout token; receiving, from said transaction management system, information associated with said payment transaction including information identifying a list of accounts associated with the customer; and transmitting, to said transaction management system, a customer payment authorization request message including information identifying at least one selected payment account for use in completing said payment transaction, said at least one selected payment account selected from said list of accounts. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 59, 60, 61, 62, 63)
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42. A mobile device, operable to conduct a payment transaction between a customer and a merchant, where the merchant transmits a merchant payment authorization request to a transaction management system to initiate transaction processing, the mobile device comprising:
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a display screen; a communication port; a processor; a memory; and a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including; instructions for causing a checkout token to be captured by the mobile device, the checkout token presented to the customer at a point of sale; instructions for transmitting, to said transaction management system, information captured from said checkout token; instructions for receiving, from said transaction management system, information associated with said payment transaction including information identifying at least a first payment account associated with the customer; and instructions for transmitting, to said transaction management system, a customer payment authorization request message including information identifying a selected payment account for use in completing said payment transaction, said payment account selected based on said information identifying at least a first payment account.
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43. A method for operating a point of sale system associated with a merchant to complete a payment transaction between the merchant and a customer operating a mobile device, where the mobile device transmits at least one of customer and mobile device authentication data to a transaction management system, the method comprising:
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transmitting, from the point of sale system to the transaction management system, a merchant payment authorization request including information identifying at least one of (i) the merchant and (ii) a point of sale device, presenting, at said point of sale system, a checkout token to the customer for capture using the mobile device, the checkout token containing information associated with said merchant payment authorization request, the checkout token for transmission from said mobile device to said transaction management system causing the transaction management system to identify a list of available accounts associated with the customer for selection by the customer of at least a first account for use in said payment transaction; receiving, at said point of sale system, a payment authorization message transmitted from said transaction management system, said payment authorization message received after said transaction management system receives a selection of said at least first account from the customer; and completing said payment transaction. - View Dependent Claims (44, 45, 46, 47, 48)
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49. A point of sale system associated with a merchant, operable to complete a payment transaction between the merchant and a customer operating a mobile device, where the mobile device transmits at least one of customer and mobile device authentication data to a transaction management system, the point of sale system comprising:
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a communication port; a processor; a memory; and a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including; instructions for transmitting, to the transaction management system, a merchant payment authorization request including information identifying at least one of (i) the merchant and (ii) a point of sale device, instructions for presenting a checkout token to the customer for capture using the mobile device, the checkout token containing information associated with said merchant payment authorization request, the checkout token for transmission from said mobile device to said transaction management system and causing said transaction management system to identify a list of available accounts associated with the customer for selection by the customer of at least a first account for use in said payment transaction; instructions for receiving, at said point of sale system, a payment authorization message transmitted from said transaction management system, said payment authorization message received after said transaction management system receives a selection of said at least first account from the customer; and instructions for completing said payment transaction.
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50. A method for operating a transaction management device to complete a payment transaction involving a customer operating a mobile device and a merchant operating a point of sale device, the method comprising:
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receiving, at the transaction management device, a merchant payment authorization request from the merchant, including information identifying at least one of (i) the merchant and (ii) a point of sale device; receiving a customer authentication request from said mobile device and authenticating at least one of said customer and said mobile device; receiving, from said mobile device, a customer transaction lookup request including information captured from a checkout token, the checkout token captured by said mobile device at said point of sale device; matching said information captured from said checkout token to information associated with said merchant payment authorization request; identifying a set of available customer payment accounts for use in said payment transaction; transmitting, to said mobile device, information associated with said merchant payment authorization request and information identifying said set of available customer payment accounts; receiving, from said mobile device, a customer payment authorization request including information identifying at least one payment account selected from said set of available customer payment accounts; and obtaining an authorization of said payment transaction based on said customer payment authorization request. - View Dependent Claims (51, 52)
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53. A transaction management system for use in completing a payment transaction between a customer operating a mobile device and a merchant, the transaction management system comprising:
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a communication port; a processor; a memory; and a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including; instructions for receiving, from the merchant, a merchant payment authorization request, including information identifying at least one of (i) the merchant and (ii) a point of sale device; instructions for receiving a customer authentication request from said mobile device and authenticating at least one of said customer and said mobile device; instructions for receiving, from said mobile device, a customer transaction lookup request including information captured from a checkout token, the checkout token captured by said mobile device at a point of sale device; instructions for matching said information captured from said checkout token to information associated with said merchant payment authorization request; instructions for identifying a set of available customer payment accounts for use in said payment transaction; instructions for transmitting, to said mobile device, information associated with said merchant payment authorization request and information identifying said set of available customer payment accounts; instructions for receiving, from said mobile device, a customer payment authorization request including information identifying at least one payment account selected from said set of available customer payment accounts; and instructions for obtaining an authorization of said payment transaction based on said customer payment authorization request.
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54. A method for operating a mobile device to conduct a payment transaction at a point of sale, comprising:
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receiving, by said mobile device, a checkout token associated with said point of sale; transmitting, from said mobile device to a remote transaction management system, information associated with said checkout token; receiving, from said remote transaction management system, information that can be used to identify a list of accounts associated with a user operating said mobile device; selecting, at said mobile device, based on information received from said remote transaction management system, a first payment account from said list of accounts for use in said payment transaction, transmitting a mobile payment request message to said remote transaction management system, said mobile payment request message including information identifying said first payment account from said list of accounts and said checkout token, said mobile payment request message usable by said remote transaction management system to authorize said payment transaction. - View Dependent Claims (55, 56, 57, 58)
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64. A method for operating a mobile device to conduct a payment transaction involving a consumer and a merchant at a point of sale, the method comprising:
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causing a checkout token to be captured by the mobile device, the checkout token presented to the consumer during a transaction with the merchant at the point of sale; transmitting, from said mobile device to a transaction management system, information captured from said checkout token, the information for use by said transaction management system to identify at least a first attribute of a transaction involving said consumer and said merchant; receiving, at said mobile device, transaction information associated with said transaction, the transaction information received from said transaction management system including information that can be used to identify a list of accounts associated with said consumer; and transmitting, from said mobile device to said transaction management system, a customer payment authorization request message including (i) a consumer authorization of said payment transaction and (ii) information identifying at least a selected one of said accounts from said list of accounts for use in completing said payment transaction.
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Specification