System and method for controlling financial transactions over a wireless network
First Claim
1. A method comprising, at a server system:
- receiving location data from a wireless device, the location data being indicative of a geographic area in which the wireless device is located;
determining merchant data based at least in part on the location data, the merchant data being indicative of one or more merchants in the geographic area;
transmitting the merchant data to the wireless device, thereby to cause information relating to the one or more merchants to be displayed on a display of the wireless device;
receiving item data from the wireless device, the item data identifying at least one item at a selected merchant, the selected merchant being one of the one or more merchants;
transmitting transaction data to the wireless device, the transaction data including a transaction amount based at least in part on the item data, thereby to cause the transaction amount to be displayed on the display of the wireless device;
receiving authorization data from the wireless device, the authorization data relating to the transaction amount;
extracting payment information data from a profile of a user of the wireless device, the profile being stored at the server system; and
responsive to the receiving authorization data, arranging payment of the transaction amount to the selected merchant using the payment information data.
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Accused Products
Abstract
A system and method for controlling financial transactions is disclosed. A customer, using a wireless device, identifies a point of sale and the amount of a transaction at that point of sale is first communicated to a central service and then transmitted to the wireless device for display at the wireless device. The customer can either accept the transaction amount to complete the transaction or reject the amount to cancel the transaction. The customer may have to enter a password or personal identification number to verify the authorization to use the wireless financial system. The customer is billed for the transaction via credit, debit, ATM or other methods, such as the wireless carrier or an internet provider.
127 Citations
18 Claims
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1. A method comprising, at a server system:
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receiving location data from a wireless device, the location data being indicative of a geographic area in which the wireless device is located; determining merchant data based at least in part on the location data, the merchant data being indicative of one or more merchants in the geographic area; transmitting the merchant data to the wireless device, thereby to cause information relating to the one or more merchants to be displayed on a display of the wireless device; receiving item data from the wireless device, the item data identifying at least one item at a selected merchant, the selected merchant being one of the one or more merchants; transmitting transaction data to the wireless device, the transaction data including a transaction amount based at least in part on the item data, thereby to cause the transaction amount to be displayed on the display of the wireless device; receiving authorization data from the wireless device, the authorization data relating to the transaction amount; extracting payment information data from a profile of a user of the wireless device, the profile being stored at the server system; and responsive to the receiving authorization data, arranging payment of the transaction amount to the selected merchant using the payment information data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A server system comprising:
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one or more processors; a first memory comprising computer-executable instructions; and a communication interface; wherein the computer-executable instructions, when executed by the one or more processors, cause the server system to; receive location data using the communication interface, the location data being indicative of a geographic area in which a wireless device is located; determine merchant data based at least in part on the location data, the merchant data being indicative of one or more merchants in the geographic area; transmit the merchant data to the wireless device using the communication interface, thereby to cause information relating to the one or more merchants to be displayed on a display of the wireless device; receive item data from the wireless device using the communication interface, the item data identifying at least one item at a selected merchant, the selected merchant being one of the one or more merchants; transmit a transaction amount to the wireless device using the communication interface, the transaction amount based at least in part on the item data, thereby to cause the transaction amount to be displayed on the display of the wireless device; receive authorization data from the wireless device using the communication interface;
the authorization data relating to the transaction amount;extract payment information data from a profile of a user of the wireless device, the profile being stored at the server system; and responsive to receipt of the authorisation data, arranging payment of the transaction amount to the selected merchant using the payment information data. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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Specification