Systems and methods for handling point-of-sale transactions using a mobile device

• US 9,053,474 B2
• Filed: 12/19/2008
• Issued: 06/09/2015
• Est. Priority Date: 08/04/2008
• Status: Active Grant

• Current Assignee: Marqeta, Inc.
• Original Assignee: AT&T Mobility II LLC (AT&T, Inc.)
• Inventors: White, Spencer
• Primary Examiner(s): Gart, Matthew
• Assistant Examiner(s): Danzig, Reva R
• Application Number:
  US12/340,135
• Publication Number:
  US 20100161433A1
• Time in Patent Office: 2,363 Days
• Field of Search: 705/17, 705/21, 705/39, 705/44, 705/71, 342/357, 455/414
• US Class Current: 1/1
• 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 20/3223 Realising banking transactions through M-devices
• 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 30/06 Buying, selling or leasing transactions

Abstract

Systems and methods for handling point-of-sale transactions using a mobile device are provided herein. In one embodiment, a method for providing payment via a mobile device in a transaction for a good or service can include receiving a selection on the mobile device of a transaction account from which to fund payment in a transaction for a good or service. The method can further include generating and sending a notification to a network processing system (NPS). The notification can identify the selected transaction account. The NPS can be configured to associate the selected transaction account with an NPS account for one or more future transactions. The method can further include sending a customer identifier to a point-of-sale (POS) system via a short-range communications medium to complete the transaction. In another embodiment, methods for handling payment in a mobile e-commerce network are provided.

Claims

1. A mobile device comprising:

a short-range communication module;

a transceiver;

a processor; and

a memory that stores instructions that, when executed by the processor, cause the processor to perform operations comprising

receiving a transaction account selection indicating a transaction account to be used to pay for a future transaction, wherein the transaction account is selected from a plurality of transaction accounts based upon a transaction amount of the future transaction,

sending, to a network processing system using the transceiver, a notification that identifies

the transaction account selection for the future transaction, and

a unique customer identifier used by the network processing system to identify a network processing system account, wherein the unique customer identifier comprises a transaction account number and a number provided by a customer,

receiving, from the network processing system, a confirmation that indicates that the transaction account selection has been associated with the network processing system account corresponding to the unique customer identifier, and

sending, via a short-range communications medium using the short-range communication module, the unique customer identifier to a point of sale system associated with a merchant during the future transaction, wherein the point of sale system sends the unique customer identifier in a payment request to the network processing system to complete the future transaction using the transaction account identified by the transaction account selection.

2. The mobile device of claim 1, wherein the transaction account comprises a credit account.

3. The mobile device of claim 1, wherein receiving the transaction account selection comprises:

determining if a default account selection exists based on the transaction amount of the future transaction;

if the default account selection exists, defining the transaction account selection as a default account; and

if the default account selection does not exist, obtain a further transaction account selection for a user authorized to access an application.

4. The mobile device of claim 1, wherein the short-range communication module comprises a near-field communications module.

5. The mobile device of claim 4, wherein the short-range communication module is embedded in the mobile device.

6. The mobile device of claim 4, wherein the short-range communication module comprises a stand-alone module.

7. The mobile device of claim 4, wherein the short-range communication module comprises an integrated module.

8. The mobile device of claim 4, wherein the short-range communication module is included in a subscriber identity module.

9. The mobile device of claim 4, wherein the short-range communication module comprises is included in a removable media.

10. The mobile device of claim 1 further comprising a case that houses the processor, the memory, and the transceiver.

11. The mobile device of claim 10, wherein the short-range communication module is attached to the case.

12. The mobile device of claim 10, wherein the short-range communication module is molded into a portion of the case.

13. The mobile device of claim 1, wherein the short-range communication module comprises a bluetooth module.

14. The mobile device of claim 1, wherein the short-range communication module comprises a radio frequency identification module.

15. The mobile device of claim 1, wherein the transaction account comprises a bank account.

16. The mobile device of claim 1, wherein the instructions, when executed by the processor, cause the processor to perform operations further comprising:

receiving, during the future transaction, a message from the network processing system, the message comprising a request for a mobile device user to select a further transaction account to use for payment for the future transaction;

obtaining selection of the further transaction account during the future transaction; and

sending data identifying the further transaction account selected to the network processing system.

17. The mobile device of claim 1, wherein the instructions, when executed by the processor, cause the processor to perform operations further comprising:

receiving, during the future transaction, a message from the network processing system, the message comprising a request for a mobile device user to select a further transaction account to use for payment for the future transaction;

prompting for a password before allowing selection of the further transaction account;

obtaining the selection of the further transaction account during the future transaction; and

sending data identifying the further transaction account selected to the network processing system.

18. The mobile device of claim 1, wherein the instructions, when executed by the processor, cause the processor to perform operations further comprising:

receiving, during the future transaction, a message from the network processing system, the message comprising a request for a mobile device user to select a further transaction account to use for payment for the future transaction;

obtaining selection of the further transaction account during the future transaction;

prompting for a password before accepting the selection of the further transaction account; and

sending data identifying the further transaction account selected to the network processing system.

19. The mobile device of claim 1, wherein the transaction account selection is used by the network processing system to define the transaction account for a period of time, and wherein the network processing system does not use the transaction account after the period of time.

20. The mobile device of claim 1, wherein the transaction account selection is used by the network processing system to define a number of transactions for which the transaction account will be used, and wherein the network processing system does not use the transaction account after the number of transactions.

21. The mobile device of claim 1, wherein the unique customer identifier further comprises a telephone number.

22. The mobile device of claim 1, wherein the unique customer identifier further comprises an international mobile subscriber identifier.

23. The mobile device of claim 1, wherein the unique customer identifier further comprises an international mobile equipment identifier.

24. The mobile device of claim 1, wherein the unique customer identifier further comprises a virtual account number.

25. The mobile device of claim 1, wherein the instructions, when executed by the processor, cause the processor to perform operations further comprising:

receiving an indication that the transaction account has been declined;

disabling a default account rule; and

requiring a further transaction account to be selected.

26. The mobile device of claim 25, wherein the instructions, when executed by the processor, cause the processor to perform operations further comprising receiving log-in information for the further transaction account, wherein receiving the log-in information comprises utilizing an auto-completion feature to populate required authorization fields using data stored on the mobile device.

27. The mobile device of claim 1, wherein receiving the transaction account selection further comprises selecting a further transaction account based upon a default rule to be used for transactions when a communications link between the mobile device and the network processing system is unavailable.