Payment processing with automatic no-touch mode selection
First Claim
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1. A method of processing a transaction between a consumer and a merchant, the method comprising:
- receiving, from a remote token-generating server, a token by a consumer device capable of communication over a short-range wireless connection, and storing the token in a memory of the device;
positioning, by the consumer, a display of the device within view of an optical scanner of a merchant checkout system capable of communication over a short-range wireless connection;
when the device is within range of the checkout system, (i) establishing, without action by the consumer, a communication channel between the device and the checkout system over a short-range wireless connection, (ii) communicating, by the checkout system over the communication channel a request to display the stored token, (iii) in response to the request, displaying, by the device, the stored token, (iv) optically reading by the checkout system, the token upon presentation thereof by the device, and (v) causing completion, by the checkout system, of the transaction.
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Abstract
A “no-touch” mobile checkout experience frees consumers from the need to manually locate and activate a mobile payment application in order to complete a transaction. The consumer simply brings his mobile device within close range of an interface console, which in various embodiments prompts the device to launch an application that causes display of a payment token without user action. If the consumer'"'"'s device is not NFC-capable, the interface console can read a displayed token optically in the usual fashion.
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Citations
9 Claims
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1. A method of processing a transaction between a consumer and a merchant, the method comprising:
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receiving, from a remote token-generating server, a token by a consumer device capable of communication over a short-range wireless connection, and storing the token in a memory of the device; positioning, by the consumer, a display of the device within view of an optical scanner of a merchant checkout system capable of communication over a short-range wireless connection; when the device is within range of the checkout system, (i) establishing, without action by the consumer, a communication channel between the device and the checkout system over a short-range wireless connection, (ii) communicating, by the checkout system over the communication channel a request to display the stored token, (iii) in response to the request, displaying, by the device, the stored token, (iv) optically reading by the checkout system, the token upon presentation thereof by the device, and (v) causing completion, by the checkout system, of the transaction. - View Dependent Claims (2, 3, 4)
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5. A method of initiating a financial transaction between a consumer and a merchant at a checkout system, the method comprising:
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monitoring, by the checkout system, for the proximate presence of a consumer device capable of communication over a short-range wireless connection, and having a stored token associated with a remote token-generating server; establishing, without action by the consumer, a communication channel between the consumer device and the checkout system over a short-range wireless connection;
communicating, by the checkout system to the consumer device over said communication channel, a request to display the stored token, thereby causing the consumer device to display said stored token;optically reading, by an optical scanner of the checkout system, the token upon display thereof by the consumer device if the display of the consumer device is within view of said optical scanner; and causing completion, by the checkout system, of the transaction. - View Dependent Claims (6, 7, 8, 9)
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Specification