Mobile reader device
First Claim
1. A mobile card reader, comprising:
- a processor;
a card reader coupled to the processor;
a short-range communication module coupled to the processor; and
a long-range communication module coupled to the processor, and wherein the processor is configured to perform operations comprising;
receiving, via the card reader, financial information associated with a buyer'"'"'s payment card for initiating a financial transaction with a merchant;
determining, using the long-range communication module, an available bandwidth for data transacted with a payment processing service, wherein the payment processing service facilitates verification of the financial transaction between the buyer and the merchant;
determining, using the short-range communication module, an availability of a local device, the local device configured for facilitating communication between the mobile card reader and the payment processing service when the payment processing service is unavailable to the long-range communication module; and
selecting a communication path for communicating with the payment processing service based on the available bandwidth.
2 Assignments
0 Petitions
Accused Products
Abstract
The subject technology relates to methods and systems for processing a payment using a mobile card reader. Implementations of the subject technology provide a method for receiving payment information, wherein the payment information specifies a payment amount, generating an authorization request to process the payment information, encrypting the authorization request using an encryption engine to generate a secure authorization request and transmitting the secure authorization request using the radio transceiver to a payment processor via a messaging service, wherein the messaging service comprises one or more of a SMS, a MMS or an email service. In certain aspects, methods of the subject technology can further include steps for receiving an authorization response from the payment processor via the messaging service. Systems and methods for mobile card reader activation are also provided.
337 Citations
20 Claims
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1. A mobile card reader, comprising:
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a processor; a card reader coupled to the processor; a short-range communication module coupled to the processor; and a long-range communication module coupled to the processor, and wherein the processor is configured to perform operations comprising; receiving, via the card reader, financial information associated with a buyer'"'"'s payment card for initiating a financial transaction with a merchant; determining, using the long-range communication module, an available bandwidth for data transacted with a payment processing service, wherein the payment processing service facilitates verification of the financial transaction between the buyer and the merchant; determining, using the short-range communication module, an availability of a local device, the local device configured for facilitating communication between the mobile card reader and the payment processing service when the payment processing service is unavailable to the long-range communication module; and selecting a communication path for communicating with the payment processing service based on the available bandwidth. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A computer-implemented method for selecting a communication path between a mobile card reader and a payment processing service, the method comprising:
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receiving, by a processor of the mobile card reader, financial information associated with a buyer'"'"'s payment card; determining, by the processor, an available bandwidth for data transacted with a payment processing service; determining, by the processor, an availability of a local device, wherein the local device is configured to facilitate communication with the payment processing service; and selecting, by the processor, a communication path for communicating with the payment processing service based on the available bandwidth and the availability of the local device. - View Dependent Claims (10, 11, 12, 13, 14)
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15. A non-transitory computer-readable storage medium comprising instructions stored therein, which when executed by one or more processors, cause the processors to perform operations for facilitating selection of a communication path between a mobile card reader and a payment processing service, the operations comprising:
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receiving, by one or more processors of the mobile card reader, financial information associated with a buyer'"'"'s payment card; determining, using the processors, an available bandwidth for data transacted with the payment processing service; determining, using the processors, an availability of a local device, wherein the local device is configured to facilitate communication with the payment processing service; and selecting, using the processors, a communication path for communicating with the payment processing service based on the available bandwidth and the availability of the local device. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification