Techniques for mobile transaction processing

• US 8,738,540 B2
• Filed: 10/31/2011
• Issued: 05/27/2014
• Est. Priority Date: 10/31/2011
• Status: Active Grant

• Current Assignee: NCR Voyix Corporation
• Original Assignee: NCR Corporation (NCR Voyix Corporation)
• Inventors: Kobres, Erick
• Primary Examiner(s): Hewitt, II, Calvin L
• Assistant Examiner(s): MCINTYRE, CHARLES AARON
• Application Number:
  US13/285,371
• Publication Number:
  US 20130110727A1
• Time in Patent Office: 939 Days
• Field of Search: 705/75
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/023 the neutral party being a clearing house
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• 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 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

Techniques for automated mobile transaction processing are provided. A consumer traverses to a web portal or other type of enterprise terminal device of an enterprise and proceeds to shop. During checkout, the portal contacts a transaction service and is delivered back an identifying barcode or Quick Response (QR) code. The consumer uses a mobile device to scan the code and send it to the transaction service. Previously registered payment details of the consumer are located and payment is received from the consumer. The portal is notified that payment is completed by the transaction service.

Claims

1. A processor-implemented method programmed in a non-transitory processor-readable medium and to execute on one or more processors of a server configured to execute the method, comprising:

receiving, at a server, a request to complete a transaction session occurring between a consumer and an enterprise terminal device, wherein the request comprises a uniform resource locator (URL) link specific to the transaction session;

generating, by the server, a unique token, wherein the token comprises the URL and a transaction ID;

providing, from the server, the unique token back to the enterprise terminal device for uniquely identifying the transaction;

acquiring, at the server, and from a mobile device the unique token that is signed by the mobile device;

validating, at the server, the signed token; and

completing, by the server, the transaction using payment details associated with the consumer.

2. The method of claim 1, wherein receiving further includes acquiring the request from the enterprise terminal device, which is a website portal for an enterprise.

3. The method of claim 1, wherein providing further includes generating the token to uniquely identify the transaction, the consumer, an enterprise for the enterprise terminal device, and a communication session occurring between the consumer and the enterprise terminal device.

4. The method of claim 1, wherein providing further includes injecting the token into a communication session between the consumer and the enterprise terminal device unbeknownst to the enterprise terminal device.

5. The method of claim 1, wherein acquiring further includes obtaining the signed token via a mobile app of the mobile device that scans and signs the token from a display of a different device from the mobile device.

6. The method of claim 1, wherein acquiring further includes obtaining the signed token via a mobile app of the mobile device that detects the transaction occurring on a web browser of the mobile device and detects the presence of the token once inserted for completing the transaction.

7. The method of claim 1, wherein validating further includes associating the transaction with the consumer and a preregistered account of the consumer having the payment details.

8. The method of claim 1, wherein causing further includes processing the payment details for the transaction on behalf of the enterprise terminal device and notifying the enterprise terminal device of the same.

9. The method of claim 1, wherein causing further includes sending the payment details to the enterprise terminal device for completing the transaction on behalf of the consumer.