Systems and methods for fast mobile payment

• US 9,213,972 B2
• Filed: 07/30/2012
• Issued: 12/15/2015
• Est. Priority Date: 08/30/2011
• Status: Active Grant

• Current Assignee: DORSO, Gregory, Rachad Alao
• Original Assignee: DORSO, Gregory, Rachad Alao
• Inventors: DORSO, Gregory, Alao, Rachad
• Primary Examiner(s): Johnson, Gregory
• Application Number:
  US13/561,244
• Publication Number:
  US 20130054320A1
• Time in Patent Office: 1,233 Days
• Field of Search: None
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• 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 20/40 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 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0268 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

A method of completing transactions using a device includes displaying a pictogram including transaction details associated therewith by a merchant. The mobile device acquires the pictogram. The mobile device or a remote server decodes the transaction details. The mobile device displays for a user the decoded transaction details. If the decided transaction details are acceptable to the user, the user accepts, via the mobile device, the decoded transaction details. The mobile device transmits a confirmation of acceptance by the user to a remote server. The remote server transmits a payment request for the payment amount reflected in the transaction details to a payment gateway. The payment gateway validates the payment request. The merchant and the device receive a payment confirmation.

Claims

1. A method of completing transactions using a device, comprising:

creating and presenting, by a merchant, a stimulus including transaction details associated therewith;

acquiring, by the device, the stimulus;

decoding, by the device or by a remote server, the transaction details;

displaying, by the device, the decoded transaction details; and

if the decoded transaction details is acceptable to a user of the device;

accepting, by the user via the device, the decoded transaction details;

transmitting, by the device to a remote server, a confirmation of acceptance by the user;

transmitting, by the remote server to a payment gateway, a payment request for an amount reflected in the transaction details;

validating, by the payment gateway, the payment request; and

receiving, by the merchant and the user, a payment confirmation.

2. The method of claim 1, wherein the device acquires the stimulus by scanning a pictogram.

3. The method of claim 1, wherein the transaction details comprise price information, shipping information, merchant information, delivery estimates, available or applied discounts and promotions, product information including serial numbers, model, type and any combination thereof.

4. The method of claim 1, wherein the payment request includes customer billing information and merchant account information.

5. The method of claim 1, further comprising, prior to creating and presenting the stimulus by the merchant:

transmitting, by the user, a check-out request to the merchant;

receiving, by the merchant, the check-out request;

transmitting, by the merchant to the remote server, the transaction details;

receiving and saving, by the remote server, the transaction details;

encoding, by the remote server, the transaction details;

generating, by the remote server, the stimulus including the encoded transaction details; and

transmitting, by the remote server to the merchant, a stimulus presentation request.

6. The method of claim 1, wherein prior to acquiring the stimulus by the device, the merchant creates and presents the stimulus on a device for conducting credit card transactions.

7. The method of claim 6, wherein the device for conducting credit card transactions is a pin pad device.

8. The method of claim 1, wherein the stimulus is present on printed media, such as a magazine advertisement or poster or wherein the stimulus is present on digital media, including a screen.

9. The method of claim 1, wherein the stimulus is embedded into an advertising image using steganography or water-marking techniques.

10. The method of claim 1, further comprising:

transmitting, by the payment gateway to the remote server, a payment authorization code;

receiving, by the remote server, the payment authorization code;

transmitting by the remote server to the merchant, the payment confirmation; and

transmitting, by the merchant to the user, the payment confirmation.

11. The method of claim 1, wherein the merchant is an individual or any entity that sells goods and/or services.

12. The method of claim 1, wherein mobile device, the merchant, the remote server and the payment gateway communicate through a secure connection including a Secure Socket Layer connection.

13. The method of claim 1, wherein the device, the merchant, the remote server and the payment gateway communicate using an Internet Protocol (IP) wireless data network.

14. The method of claim 1, wherein the payment is processed according to a method of payment selected by the user or by mobile device based on predetermined criteria, including merchant identity, reward points, user balance and amount of the payment.

15. The method of claim 1, wherein the user enters a password, passphrase or pin if the amount of the payment exceeds a predetermined threshold.

16. The system of claim 1, wherein the device is a smartphone, a tablet, a portable game console, a computer with scanning capabilities or a personal digital assistant.

17. The system of claim 1, wherein the stimulus is a combination of one of more of the group consisting of barcode, 2D barcode, coded picture, suite of symbols, image.

27. The system of claim 1, wherein the stimulus is a sound.

28. The system of claim 1, wherein the stimulus is a vibration.

29. The system of claim 1, wherein the stimulus is radio-frequency signals.

18. A device for completing transactions, comprising:

processing hardware for acquiring a stimulus including encoded transaction details and for decoding the transaction details from the stimulus;

a user interface for displaying the decoded transaction details for a user of the mobile device; and

a signal interface configured to send a signal indicating user acceptance or rejection of the decoded transaction details to a remote server, wherein if the user has accepted the transaction details, the remote server is configured to take appropriate steps to process the transaction as defined by the transaction details, either directly or as a proxy to a subsystem charged of processing the transaction,

wherein the signal interface is further configured to receive a signal indicating transaction completion.

19. The device of claim 18, wherein the processing hardware acquires the stimulus by scanning a pictogram.

20. The device of claim 18, wherein the transaction is a commercial transaction between a user and a merchant or a transfer of funds between two individuals or between an individual and a company.

21. The device of claim 18, wherein the signal interface is further configured to transmit to the remote server a request to register or authenticate the user, wherein the user is registered or authenticated prior to or at the same time as processing and validation.

22. The device of claim 18, wherein the transaction is completed when the user is registered or authenticated and when the payment is confirmed.

23. A system for completing transactions, comprising:

a remote server coupled to a first processor, the remote server being configured to create a stimulus including therein an encoded set of transaction details in response to a stimulus creation request from a merchant check-out system configured to present the stimulus;

a device configured to acquire the stimulus, wherein the device decodes the stimulus or the remote server decodes the stimulus in response to a decode stimulus request from the device, the device including a user interface configured to display a decoded set of transaction details to a user for acceptance or rejection by the user and wherein the device is configured to transmit an acceptance of the transaction details to the remote server if the user accepts the transaction details; and

a gateway transaction system coupled to a second processor, the gateway transaction system being configured to validate and process, directly or as a proxy to a subsystem, the transaction reflected in the transaction details, the gateway transaction system being further configured to transmit a payment confirmation to the remote server.

24. The system of claim 23, wherein the device is configured to decode the stimulus by decoding the transaction details from the stimulus to a URL, wherein the device uses the URL to retrieve the transaction details.

25. The system of claim 23, wherein the remote server is configured to transmit the payment confirmation to the merchant check-out system that is configured to transmit the payment confirmation to the device.

26. The system of claim 23, wherein the stimulus is a combination of one of more of the group consisting of barcode, 2D barcode, coded picture, suite of symbols, image.

30. The system of claim 23, wherein the stimulus is a sound.

31. The system of claim 23, wherein the stimulus is a vibration.

32. The system of claim 23, wherein the stimulus is a combination of one of more of the group consisting of electromagnetic signals and radio-frequency signals.