Payment processing system including mobile wireless communications device to send a payment confirmation to a transaction terminal and associated methods

• US 8,740,064 B2
• Filed: 04/08/2011
• Issued: 06/03/2014
• Est. Priority Date: 04/08/2011
• Status: Active Grant

• Current Assignee: Malikie Innovations Limited (Key Patent Innovations Limited)
• Original Assignee: Blackberry Limited
• Inventors: Griffin, Jason Tyler, Little, Herbert Anthony
• Primary Examiner(s): RUDY, ANDREW J
• Application Number:
  US13/082,701
• Publication Number:
  US 20120259717A1
• Time in Patent Office: 1,152 Days
• Field of Search: 235/379, 235/383, 235/380, 235/381, 455/403, 455/432.3, 455/435.1, 455/435.2, 455/414.3, 455405-409, 455/414.1, 705/15, 705/16, 705/17
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device

Abstract

A payment processing system includes a transaction terminal having a merchant account associated therewith and including a first wireless device. The payment processing system also includes a payment server, and a mobile wireless communications device having a purchaser account associated therewith and including a second wireless device and a processor coupled thereto and configured to send transaction information to the payment server. The payment server is configured to cause a transfer of funds from the purchaser account to the merchant account based upon the transaction information, and to send payment confirmation to the mobile wireless communications device based upon the transfer of funds. The processor is configured to send the payment confirmation to the transaction terminal via the first and second wireless devices.

Claims

1. A payment processing system comprising:

a transaction terminal having a merchant account associated therewith, and said transaction terminal comprising a first wireless device;

a payment server; and

a mobile wireless communications device having a purchaser account associated therewith, and said mobile wireless communication device comprising a second wireless device and a processor coupled to said second wireless device, said processor configured to send transaction information to said payment server;

said payment server configured to cause a transfer of funds from the purchaser account to the merchant account based upon the transaction information, and to send payment confirmation to said mobile wireless communications device based upon the transfer of funds;

said processor configured to send the payment confirmation to said transaction terminal via said first and second wireless devices.

2. The payment processing system of claim 1, wherein said first and second wireless devices comprise first and second near field communications (NFC) devices.

3. The payment processing system of claim 1, wherein said first and second wireless devices further comprise first and second Bluetooth devices.

4. The payment processing system of claim 1, wherein said first wireless device comprises a first near field communications (NFC) device and a first Bluetooth device;

wherein said second wireless device comprises a second NFC device and a second Bluetooth device;

wherein said transaction terminal is configured to send the transaction information to said mobile wireless communications device via said first and second Bluetooth devices, based upon proximity between said first and second NFC devices; and

wherein said mobile wireless communications device is configured to send the payment confirmation to said transaction terminal via said first and second Bluetooth devices, based upon proximity between said first and second NFC devices.

5. The payment processing system of claim 1, wherein said transaction terminal comprises a display configured to display the transaction information;

and wherein said mobile wireless communications device comprises a camera to capture the transaction information on said display.

6. The payment processing system of claim 5, wherein said display is configured to display the transaction information as a coded image.

7. The payment processing system of claim 1, further comprising at least one substrate having an image thereon and positioned adjacent said transaction terminal;

wherein said mobile wireless communications device comprises a camera to capture the image; and

wherein said processor is configured to generate the transaction information based upon the captured image.

8. The payment processing system of claim 7, wherein the image on said at least one substrate comprises a coded image.

9. The payment processing system of claim 1, further comprising at least one NFC tag having data stored thereon and positioned adjacent said transaction terminal;

and wherein said processor is configured to cooperate with said second NFC device and generate the transaction information based upon the stored data.

10. The payment processing system of claim 1, wherein said transaction terminal comprises a display and is configured to present the payment confirmation on said display.

11. A mobile wireless communications device having a purchaser account associated therewith and comprising:

a first wireless component; and

a processor coupled to the first wireless component, the processor configured to

send transaction information to a payment server, wherein the payment server is configured to cause a transfer of funds from the purchaser account to a merchant account associated with a transaction terminal comprising a second wireless component based upon the transaction information,

receive payment confirmation from the payment server based upon the transfer of funds, and

send the payment confirmation to the transaction terminal via the first and the second wireless components.

12. The mobile wireless communications device of claim 11, wherein the first and the second wireless components comprise first and second near field communications (NFC) components.

13. The mobile wireless communications device of claim 11, wherein the first and the second wireless components further comprise first and second Bluetooth components.

14. The mobile wireless communications device of claim 11, wherein the first wireless component comprises a first near field communications (NFC) component and a first Bluetooth component;

wherein the second wireless component comprises a second NFC component and a second Bluetooth component;

wherein the processor is configured to receive the transaction information sent from the transaction terminal via the first and the second NFC components; and

wherein the processor is configured to send the payment confirmation to the transaction terminal via the first and the second Bluetooth components, based upon proximity between the first and the second NFC components.

15. The mobile wireless communications device of claim 11, further comprising a camera to capture the transaction information on a display of the transaction terminal configured to display the transaction information.

16. The mobile wireless communications device of claim 11, further comprising a camera to capture an image on at least one substrate and positioned adjacent the transaction terminal;

and wherein the processor is configured to generate the transaction information based upon the captured image.

17. The mobile wireless communications device of claim 16, wherein the image on the at least one substrate comprises a coded image.

18. The mobile wireless communications device of claim 11, wherein the processor is configured to cooperate with the first NFC component and generate the transaction information based upon stored data on at least one NFC tag positioned adjacent the transaction terminal.