System and method for point of service payment acceptance via wireless communication

• US 9,292,870 B2
• Filed: 06/03/2011
• Issued: 03/22/2016
• Est. Priority Date: 12/13/2010
• Status: Expired due to Fees

• Current Assignee: Qualcomm, Inc.
• Original Assignee: Qualcomm, Inc.
• Inventors: Langley, Garrett S., Slutsky, Bradley A., Ackerman, Ben D., Wei, Joe T.
• Primary Examiner(s): Ludwig, Peter L
• Application Number:
  US13/153,215
• Publication Number:
  US 20120150669A1
• Time in Patent Office: 1,754 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 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/1235 with control of digital rights management [DRM]
• 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 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/356 Aspects of software for card payments
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

A system and method for remitting payment from a consumer'"'"'s credit or stored value account by digital presentations of account information are described. A merchant may create one or more merchant account at a point-of-sale service site (“POS service site”) and associate one or more merchant portable computing devices (“MPCDs”) with one or more of the merchant accounts. Each MPCD may be configured to receive customer data from a customer via one of a visual capture and a wireless communication, such as a near field communication (“NFC”) or a machine-readable optical code. The customer data may be received from an NFC-capable physical token such as an EMV card, or a virtual token presented by a customer portable computing device (“CPCD”) using a NFC or a machine-readable optical code. Each MPCD may contain a point-of-sale payment application supplied by the POS service site that may capture data representative of a consumer account from the received customer data.

Claims

1. A method for processing a transaction with a merchant portable computing device (MPCD), the method comprising:

receiving customer data by a MPCD running a payment application and comprising a hand-held mobile point of sale (POS) device, wherein the customer data is associated with a customer payment account and transmitted to the MPCD from a customer portable computing device (CPCD), which is physically in the vicinity of the MPCD and is in a presentment mode for actively rendering a machine-readable token to the MPCD by a visual rendering of the machine-readable token on a screen of the CPCD such that a camera operating in the MPCD can read the machine-readable token;

processing payment associated with a purchase transaction with the payment application on the MPCD using the customer data; and

transmitting, over a computer network to a stored value account server associated with the customer payment account, payment information associated with the purchase transaction and comprising at least a portion of the customer data, wherein the payment information is used by the stored value account server for;

verifying the MPCD and the purchase transaction, and

completing the purchase transaction by verifying the CPCD remains actively in the presentment mode before subsequently authorizing a transfer of funds from the customer payment account to a merchant account associated with the MPCD, wherein verifying the CPCD remains actively in the presentment mode comprises the stored value account server communicating directly with the CPCD over the computer network to verify that the machine-readable token is still rendered on the display of the CPCD and the CPCD remains in the physical vicinity of the MPCD to authenticate the purchase.

2. The method of claim 1, further comprising:

receiving a security application into a secure element within the MPCD to allow the MPCD to send encrypted transmissions.

3. The method of claim 1, further comprising:

transmitting the payment application over a computer network to a plurality of MPCDs.

4. The method of claim 3, wherein each of the plurality of MPCDs is associated with one or more merchant accounts.

5. The method of claim 1, further comprising:

receiving an activation code; and

activating the payment application on the MPCD using the activation code.

6. The method of claim 5, wherein the step of activating the payment application on the MPCD further comprises:

receiving the activation code at a merchant location;

coupling the MPCD to a point-of-sale system; and

providing the activation code from the MPCD to the point-of-sale system.

7. The method of claim 1, further comprising:

activating the payment application on a plurality of MPCDs using one or more activation codes.

8. The method of claim 7, further comprising:

coupling each MPCD to a point-of-sale system.

9. The method of claim 1, wherein the MPCD is part of a merchant point-of-sale system.

10. The method of claim 1, wherein the step of receiving customer data on the MPCD further comprises:

receiving a virtual machine-readable token.

11. The method of claim 10, wherein the customer data is associated with a plurality of customer payment accounts.

12. The method of claim 11, further comprising:

receiving a selection of one of the plurality of customer payment accounts to use for processing payment.

13. The method of claim 1, wherein the MPCD comprises at least one of a mobile telephone, a personal digital assistant, a pager, a smartphone, a navigation device, and a hand-held computer with a wireless connection or link.

26. The computer program product of claim 2, wherein the merchant account associated with the MPCD is linked with one or more merchant financial accounts.

27. The computer program product of claim 26, wherein processing payment to the merchant with the payment application on the MPCD further comprises selecting one of the one or more merchant financial accounts into which to deposit the payment to the merchant.

31. The computer program product of claim 2, wherein receiving customer data on the MPCD further comprises receiving a virtual machine-readable token from a customer portable communication device.

32. The computer program product of claim 31, wherein the customer data is associated with a plurality of customer payment accounts.

33. The computer program product of claim 32, wherein the method implemented by the program code further comprises:

receiving a selection of one of the plurality of customer payment accounts to use for processing payment.

14. A computer system for processing a transaction between a customer and a merchant, the computer system comprising:

means for securely storing a payment application on a merchant portable computing device (MPCD), wherein the MPCD comprises a hand-held mobile point of sale (POS) device;

means for receiving customer data by the MPCD, wherein the customer data is associated with a customer payment account and transmitted to the MPCD from a customer portable computing device (CPCD) that is physically in the vicinity of the MPCD and is in a presentment mode for actively rendering a machine-readable token to the MPCD by a visual rendering of the machine-readable token on a screen of the CPCD such that a camera operating in the MPCD can read the machine-readable token;

means for operating the payment application on the MPCD to process a payment associated with a purchase transaction using the customer data; and

means for transmitting, over a computer network to a stored value account server associated with the customer payment account, payment information associated with the purchase transaction and comprising at least a portion of the customer data, wherein the payment information is used by the stored value account server for;

verifying the MPCD and the purchase transaction, and

completing the purchase transaction by verifying the CPCD remains actively in the presentment mode before subsequently authorizing a transfer of funds from the customer payment account to a merchant account associated with the MPCD, wherein verifying the CPCD remains actively in the presentment mode comprises the stored value account server communicating directly with the CPCD over the computer network to verify that the machine-readable token is still rendered on the display of the CPCD and the CPCD remains in the physical vicinity of the MPCD to authenticate the purchase.

15. The computer system of claim 14, further comprising:

means to activate the payment application on the MPCD to enable it to process payment.

16. The computer system of claim 14, wherein the MPCD is associated with a merchant account.

17. The computer system of claim 16, wherein the merchant account is associated with a merchant financial account.

18. The computer system of claim 14, wherein the customer data further comprises data associated with a plurality of customer payment accounts.

19. The computer system of claim 18, further comprising means to select which of the plurality of customer payment accounts to use for the payment to the merchant.

20. The computer system of claim 14, wherein the customer data is part of a virtual machine-readable token generated by a customer portable communication device.

21. The computer system of claim 14, wherein the MPCD comprises at least one of a mobile telephone, a personal digital assistant, a pager, a smartphone, a navigation device, and a hand-held computer with a wireless connection or link.

22. A computer program product comprising a computer usable device having a computer readable program code embodied therein, said computer readable program code executable to implement a method for processing a transaction with a merchant portable computing device (MPCD), the method comprising:

executing a payment application on an MPCD, wherein the MPCD comprises a hand-held mobile point of sale (POS) device;

receiving customer data by the MPCD, wherein the customer data is associated with a customer payment account and transmitted to the MPCD from a customer portable computing device (CPCD) that is physically in the vicinity of the MPCD and is in a presentment mode for actively visually rendering a machine-readable token to the MPCD by a visual rendering of the machine-readable token on a screen of the CPCD such that a camera operating in the MPCD can read the machine-readable token;

processing payment associated with a purchase transaction using the customer data; and

transmitting, over a computer network to a stored value account server associated with the customer payment account, payment information associated with the purchase transaction and comprising at least a portion of the customer data, wherein the payment information is used by the stored value account server for;

verifying the MPCD and the purchase transaction, and

completing the purchase transaction by verifying the CPCD remains actively in the presentment mode before subsequently authorizing a transfer of funds from the customer payment account to a merchant account associated with the MPCD, wherein verifying the CPCD remains actively in the presentment mode comprises the stored value account server communicating directly with the CPCD over the computer network to verify that the machine-readable token is still rendered on the display of the CPCD and the CPCD remains in the physical vicinity of the MPCD to authenticate the purchase.

23. The computer program product of claim 22, wherein the method implemented by the program code further comprises:

receiving a security application into the secure element within the MPCD to allow the MPCD to send encrypted transmissions.

24. The computer program product of claim 22, wherein MPCD is associated with a merchant account.

25. The computer program product of claim 22, wherein the MPCD is associated with a plurality of merchant accounts.

28. The computer program product of claim 22, wherein the method implemented by the program code further comprises:

receiving an activation code; and

activating the payment application on the MPCD using the activation code.

29. The computer program product of claim 28, wherein activating the payment application on the MPCD further comprises:

receiving the activation code at a merchant location;

coupling the MPCD to a point-of-sale system; and

providing the activation code to the point-of-sale system site using the MPCD.

30. The computer program product of claim 22, wherein the MPCD is part of a merchant point-of-sale system.

34. The computer program product of claim 22, wherein the program code is at least partly executed on at least one of a mobile telephone, a personal digital assistant, a pager, a smartphone, a navigation device, and a hand-held computer with a wireless connection or link.