Two phase payment link and authorization for mobile devices

• US 8,571,939 B2
• Filed: 07/07/2010
• Issued: 10/29/2013
• Est. Priority Date: 07/07/2010
• Status: Active Grant

• Current Assignee: Toshiba Global Commerce Solutions Holdings Corporation (Toshiba Corporation)
• Original Assignee: Toshiba Global Commerce Solutions Holdings Corporation (Toshiba Corporation)
• Inventors: Lindsey, Paul D., Nilsen, Eric J., Sisson, Mark W.
• Primary Examiner(s): Gart, Matthew
• Assistant Examiner(s): Danzig, Reva R
• Application Number:
  US12/831,451
• Publication Number:
  US 20120011009A1
• Time in Patent Office: 1,210 Days
• Field of Search: 705/16, 705/17, 705/34, 705/39, 705/72, 455/466, 709/203
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

Aspects of the invention are directed to a two phase payment link and authorization method and system for mobile devices. A method for payment and authorization according to an embodiment includes: requesting and receiving, at a mobile device, a transaction identifier from a payment service; displaying the transaction identifier on a display of the mobile device, wherein the transaction identifier is in a machine readable format; scanning the transaction identifier at a point of sale system; sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service; creating, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier; and sending the transaction information from the payment system to the mobile device.

Claims

1. A method for payment and authorization, comprising:

requesting and receiving, at a mobile device, a transaction identifier from a payment service;

displaying the transaction identifier on a display of the mobile device after the requesting and receiving of the transaction identifier, wherein the transaction identifier is in a machine readable format;

scanning the transaction identifier in the machine readable format at a point of sale system after the displaying of the transaction identifier, wherein the transaction identifier is unique to a given transaction and is valid for a predetermined period of time;

sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service after the scanning of the transaction identifier;

creating, at the payment service, a logical link between the mobile device and the point of sale system after the sending of the transaction identifier and the transaction information, based on the transaction identifier;

sending the transaction information from the payment service to the mobile device after the creating of the logical link between the mobile device and the point of sale system;

displaying the transaction information on the display of the mobile device after the sending of the transaction information to the mobile device;

receiving a selected payment method selected at the mobile device after the displaying of the transaction information;

authenticating, at the payment service, an identity of a user of the mobile device, the authenticating including entering and storing identity information of the user at the payment service;

completing a payment authorization for the given transaction using the selected payment method at the payment service after the receiving of the selected payment method,

wherein the authenticating further includes providing the stored identity information of the user after initiating the payment authorization,

wherein the entering and storing of the identity information is performed prior to the initiating of the payment authorization; and

sending an acknowledgment of the payment authorization to the point of sale system.

2. The method of claim 1, wherein the payment service comprises a payment cloud.

3. The method of claim 1, wherein the machine readable format comprises a barcode.

4. The method of claim 1, further comprising:

recording the payment authorization with the transaction information at the point of sale system after the sending of the acknowledgment of the payment authorization; and

printing a customer receipt including the transaction information and the payment authorization at the point of sale system.

5. An apparatus for payment and authorization, comprising:

a component for requesting and receiving, at a mobile device, a transaction identifier from a payment service;

a display for displaying the transaction identifier on the mobile device after the requesting and receiving of the transaction identifier, wherein the transaction identifier is in a machine readable format;

a component for scanning the transaction identifier in the machine readable format at a point of sale system after the displaying of the transaction identifier, wherein the transaction identifier is unique to a given transaction and is valid for a predetermined period of time;

a component for sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service after the scanning of the transaction identifier;

a component for creating, at the payment service, a logical link between the mobile device and the point of sale system after the sending of the transaction identifier and the transaction information, based on the transaction identifier;

a component for sending the transaction information from the payment service to the mobile device after the creating of the logical link between the mobile device and the point of sale system;

a component for displaying the transaction information on the display of the mobile device after the sending of the transaction information to the mobile device;

a component for receiving a selected payment method selected at the mobile device after the displaying of the transaction information;

a component for authenticating, at the payment service, an identity of a user of the mobile device, the authenticating including entering and storing identity information of the user at the payment service;

a component for completing a payment authorization for the given transaction using the selected payment method at the payment service after the receiving of the selected payment method,

wherein the component for authenticating further provides the stored identity information of the user after initiating the payment authorization,

wherein the entering and storing of the identity information is performed prior to the initiating of the payment authorization; and

a component for sending an acknowledgment of the payment authorization to the point of sale system.

6. The apparatus of claim 5, wherein the payment service comprises a payment cloud.

7. The apparatus of claim 5, wherein the machine readable format comprises a barcode.

8. The apparatus of claim 5, further comprising:

a component for recording the payment authorization with the transaction information at the point of sale system after the sending of the acknowledgment of the payment authorization; and

a component for printing a customer receipt including the transaction information and the payment authorization at the point of sale system.

9. A computer program comprising program code embodied in at least one non-transitory computer-readable storage medium, which when executed, enables a computer system to implement a method for payment and authorization, the method comprising:

requesting and receiving, at a mobile device, a transaction identifier from a payment service;

displaying the transaction identifier on a display of the mobile device after the requesting and receiving of the transaction identifier, wherein the transaction identifier is in a machine readable format;

scanning the transaction identifier in the machine readable format at a point of sale system after the displaying of the transaction identifier, wherein the transaction identifier is unique to a given transaction and is valid for a predetermined period of time;

sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service after the scanning of the transaction identifier;

creating, at the payment service, a logical link between the mobile device and the point of sale system after the sending of the transaction identifier and the transaction information, based on the transaction identifier;

sending the transaction information from the payment service to the mobile device after the creating of the logical link between the mobile device and the point of sale system;

displaying the transaction information on the display of the mobile device after the sending of the transaction information to the mobile device;

receiving a selected payment method selected at the mobile device after the displaying of the transaction information;

authenticating, at the payment service, an identity of a user of the mobile device, the authenticating including entering and storing identity information of the user at the payment service;

completing a payment authorization for the given transaction using the selected payment method at the payment service after the receiving of the selected payment method,

wherein the authenticating further includes providing the stored identity information of the user after initiating the payment authorization,

wherein the entering and storing of the identity information is performed prior to the initiating of the payment authorization; and

sending an acknowledgment of the payment authorization to the point of sale system.

10. The computer program of claim 9, wherein the payment service comprises a payment cloud.

11. The computer program of claim 9, wherein the machine readable format comprises a barcode.

12. The computer program of claim 9, which when executed, enables the computer system to further implement the following:

recording the payment authorization with the transaction information at the point of sale system after the sending of the acknowledgment of the payment authorization; and

printing a customer receipt including the transaction information and the payment authorization at the point of sale system.

13. A method of generating a computer system for payment and authorization, the method comprising:

providing a computer system operable to;

request and receive, at a mobile device, a transaction identifier from a payment service;

display the transaction identifier on a display of the mobile device after the requesting and receiving of the transaction identifier, wherein the transaction identifier is in a machine readable format;

scan the transaction identifier in the machine readable format at a point of sale system after the displaying of the transaction identifier, wherein the transaction identifier is unique to a given transaction and is valid for a predetermined period of time;

send the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service after the scanning of the transaction identifier;

create, at the payment service, a logical link between the mobile device and the point of sale system after the sending of the transaction identifier and the transaction information, based on the transaction identifier;

send the transaction information from the payment service to the mobile device after the creating of the logical link between the mobile device and the point of sale system;

display the transaction information on the display of the mobile device after the sending of the transaction information to the mobile device;

receive a selected payment method selected at the mobile device after the displaying of the transaction information;

authenticating, at the payment service, an identity of a user of the mobile device, the authenticating including entering and storing identity information of the user at the payment service;

complete a payment authorization for the given transaction using the selected payment method at the payment service after the receiving of the selected payment method,

wherein the authenticating further includes providing the stored identity information of the user after initiating the payment authorization,

wherein the entering and storing of the identity information is performed prior to the initiating of the payment authorization; and

send an acknowledgment of the payment authorization to the point of sale system.

14. The method of claim 13, wherein the computer system is further operable to:

record the payment authorization with the transaction information at the point of sale system after the sending of the acknowledgment of the payment authorization; and

print a customer receipt including the transaction information and the payment authorization at the point of sale system.