Payment transaction using mobile phone as relay

• US 8,589,300 B2
• Filed: 06/11/2012
• Issued: 11/19/2013
• Est. Priority Date: 10/25/2007
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Hammad, Ayman A., Faith, Patrick Lee
• Primary Examiner(s): Apple, Kirsten
• Assistant Examiner(s): GOODBODY, JOAN T
• Application Number:
  US13/493,362
• Publication Number:
  US 20120310832A1
• Time in Patent Office: 526 Days
• Field of Search: 705/44
• US Class Current: 705/44
• CPC Class Codes: G06Q 10/087 Inventory or stock management, e.g. order filling, procurement or balancing against orders
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-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 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4015 using location information
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0212 Chance discounts or incentives
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G06Q 40/128 : Check-book balancing, updating or printing arrangements
• CPC Class Codes: H04L 63/18 : using different networks or channels, e.g. using out of band channels cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215

Abstract

Systems and methods of conducting a payment transaction using a mobile phone as a relay. The systems and methods receive transaction information associated with a transaction at a mobile communication device from a merchant. They send the transaction information with the mobile communication device to an issuer associated with the mobile communication device. The issuer thereafter sends an authorization response message to the merchant.

Claims

1. A method of conducting a transaction comprising:

compiling, by an access device operated by a merchant, a representation of one or more goods or services to be purchased from a merchant;

generating, by the access device, transaction information based on the representation of one or more goods or services to be purchased;

sending, by the access device, transaction information to a consumer'"'"'s mobile communication device, wherein the consumer'"'"'s mobile communication device transmits the transaction information or an authorization request message directly to a payment processing network bypassing the merchant and the payment processing network subsequently sends an authorization request to an issuer;

and receiving, at the access device, an authorization response message via an acquirer associated with the merchant indicating approval or denial of the transaction.

2. The method of claim 1, wherein the access device is a point of sale (POS) terminal comprising a POS identifier.

3. The method of claim 1, wherein the authorization response message is received by the merchant from an acquirer, a payment processing network, or the consumer'"'"'s mobile communication device.

4. The method of claim 1, wherein the sending of transaction information to the consumer'"'"'s mobile communication device uses a contact or contactless mode of operation.

5. The method of claim 1, wherein the sending of transaction information to the consumer'"'"'s mobile communication device comprises displaying a bar code representative of at least part of the transaction data on a display of the access device.

6. The method of claim 5, wherein the consumer'"'"'s mobile communication device comprises a bar code reader to read the bar code on the display.

7. The method of claim 1, wherein the receiving of the authorization response message uses a contact or contactless mode of operation.

8. The method of claim 1, wherein the transaction information includes a merchant identifier that identifies the merchant.

9. The method of claim 8, wherein the transaction information includes a list of items in the transaction and a total amount of the transaction.

10. A non-transitory computer-readable medium comprising code, executable by a processor, that when executed causes the processor to perform the method of claim 1 a method comprising the steps of:

compiling a representation of one or more goods or services to be purchased from a merchant;

generating transaction information based on the representation of one or more goods or services to be purchased;

sending transaction information to a consumer'"'"'s mobile communication device, wherein the consumer'"'"'s mobile communication device transmits the transaction information or an authorization request message directly to a payment processing network bypassing the merchant and the payment processing network subsequently sends an authorization request to an issuer;

and receiving an authorization response message via an acquirer associated with the merchant indicating approval or denial of the transaction.

11. A method of conducting a transaction, the method comprising:

generating, with an e-commerce server computer operated by a merchant, transaction information based on one or more goods or services to be purchased by a consumer;

sending transaction information to a mobile communication device associated with the consumer, wherein the mobile communication device transmits the transaction information or an authorization request message directly to a payment processing network bypassing the merchant and the payment processing network subsequently sends an authorization request to an issuer;

and receiving, at the e-commerce server computer, an authorization response message via an acquirer associated with the merchant indicating approval or denial of the transaction.

12. The method of claim 11, wherein the sending of transaction information to the consumer'"'"'s mobile communication device comprises sending the transaction information to a personal computer with a contactless element.

13. The method of claim 12, wherein the sending of transaction information to the consumer'"'"'s mobile communication device further comprises sending the transaction information from the personal computer to the mobile communication device using a contactless mode of operation.

14. The method of claim 11, wherein the sending of transaction information to the consumer'"'"'s mobile communication device comprises displaying a bar code representative of at least part of the transaction data on a display of a personal computer.

15. The method of claim 14, wherein the consumer'"'"'s mobile communication device comprises a bar code reader to read the bar code representative of at least part of the transaction data on the display.

16. The method of claim 11, wherein the authorization response message is received by the merchant from an acquirer, a payment processing network, or the consumer'"'"'s mobile communication device.

17. A method of conducting a transaction, the method comprising:

receiving, at a personal computer, transaction information from an e-commerce server computer operated by a merchant, wherein the transaction information includes a representation of one or more goods or services to be purchased from a merchant;

sending the transaction information from the personal computer to a mobile device of the consumer using a short-range communication mode, wherein the mobile device transmits the transaction information or an authorization request message directly to a payment processing network bypassing the merchant and the payment processing network subsequently sends an authorization request to an issuer; and

receiving an authorization response message via an acquirer associated with the merchant indicating approval or denial of the transaction.

18. The method of claim 17, wherein the short-range communication mode comprises RFID.

19. The method of claim 17, wherein the short-range communication mode comprises bar code technology such that a bar code is displayed on the personal computer and a car code reader on the mobile device reads the bar code.