Point of sale payment method
First Claim
Patent Images
1. A computer-implemented method comprising:
- receiving, at a computer system and over one or more mobile carrier networks, a first short message service (SMS) text message that includes encoded information for an order, wherein the encoded information corresponds to, at least, an image that represents one or more items that are included in the order;
automatically decoding, by the computer system in response to receiving the first SMS text message, the encoded information included in the first SMS text message to identify the one or more items included in the order, wherein the decoding includes (i) identifying the image based on the encoded information, (ii) determining whether the image corresponds to any of a plurality of items available for order based on a comparison of information extracted from the image with information associated with the available items, and (iii) identifying the one or more items based on the determining;
identifying, by the computer system, a vendor and a customer for the order based, at least in part, on the first SMS text message;
retrieving, by the computer system and from one or more data sources that are accessible to the computer system, (i) customer information that corresponds to the customer for the order and (ii) vendor information that corresponds to the vendor for the order;
inserting, by the computer system, into one or more internet-based messages at least a portion of the following information derived from the first SMS text message;
(i) information associated with the one or more items, (ii) the customer information, and (iii) the vendor information;
transmitting, by the computer system and over one or more other networks, the one or more internet-based messages to one or more other computer systems to cause the order to be fulfilled by the vendor; and
transmitting, by the computer system and to a mobile computing device associated with the customer, a second SMS text message that provides confirmation of the order, the second SMS text message being transmitted over the one or more mobile carrier networks.
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Abstract
The invention concerns a method of making a payment transaction between a customer and a merchant using a payment card (200) of the customer including steps of: transmitting details of the payment transaction from a mobile device (202) to a remote server; capturing at least one image of the payment card using the mobile device of the merchant; transmitting the at least one image of the payment card to the remote server; identifying, by the remote server, the merchant and the payment card captured in the at least one image; and implementing the payment transaction between bank accounts (208, 210) of the customer and the merchant.
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Citations
20 Claims
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1. A computer-implemented method comprising:
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receiving, at a computer system and over one or more mobile carrier networks, a first short message service (SMS) text message that includes encoded information for an order, wherein the encoded information corresponds to, at least, an image that represents one or more items that are included in the order; automatically decoding, by the computer system in response to receiving the first SMS text message, the encoded information included in the first SMS text message to identify the one or more items included in the order, wherein the decoding includes (i) identifying the image based on the encoded information, (ii) determining whether the image corresponds to any of a plurality of items available for order based on a comparison of information extracted from the image with information associated with the available items, and (iii) identifying the one or more items based on the determining; identifying, by the computer system, a vendor and a customer for the order based, at least in part, on the first SMS text message; retrieving, by the computer system and from one or more data sources that are accessible to the computer system, (i) customer information that corresponds to the customer for the order and (ii) vendor information that corresponds to the vendor for the order; inserting, by the computer system, into one or more internet-based messages at least a portion of the following information derived from the first SMS text message;
(i) information associated with the one or more items, (ii) the customer information, and (iii) the vendor information;transmitting, by the computer system and over one or more other networks, the one or more internet-based messages to one or more other computer systems to cause the order to be fulfilled by the vendor; and transmitting, by the computer system and to a mobile computing device associated with the customer, a second SMS text message that provides confirmation of the order, the second SMS text message being transmitted over the one or more mobile carrier networks. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computer system comprising:
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a communication interface that is programmed to (i) receive first SMS text messages over one or more mobile carrier networks that include encoded information for orders, (ii) transmit second SMS text messages over the one or more mobile carrier networks that provide order confirmations, and (iii) transmit internet-based messages over one or more other networks to other computer systems to cause the orders to be fulfilled, wherein the encoded information corresponds to, at least, an image that represents one or more items that are included in each of the orders; a decoder that is programmed to automatically decode, in response to receiving the first SMS text messages, the encoded information included in the first SMS text messages to identify the one or more items included in each of the orders, wherein the decoding includes (i) identifying the image based on the encoded information, (ii) determining whether the image corresponds to any of a plurality of items available for order based on a comparison of information extracted from the image with information associated with the available items, and (iii) identifying the one or more items based on the determining; one or more storage devices that are programmed to store customer information and vendor information; and one or more processors that are programmed to (i) identify vendors and customers for the orders based, at least in part, on the first SMS text messages, and (ii) insert into the internet-based messages at least a portion of the following information derived from the first SMS text messages;
(a) information associated with the one or more items, (b) the customer information, and (c) the vendor information,wherein the second text messages are transmitted by the communication interface mobile computing devices that are associated with the customers. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20)
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Specification