System and method for facilitating cash payment transactions using a mobile device
First Claim
1. A method for facilitating a payment between an online merchant and a consumer, wherein the consumer provides a purchase request on a mobile device, and wherein the consumer provides the payment for the purchase request at a point-of-sale terminal that is local to the consumer and remote to the merchant, the method comprising:
- receiving with a communications interface of a service provider system the purchase request made on the mobile device;
generating with a processor of the service provider system transaction instructions for the purchase request;
receiving with the communications interface of the service provider system the consumer'"'"'s mobile phone number;
linking with the processor of the service provider system the consumer'"'"'s mobile phone number to the transaction instructions;
creating with the processor of the service provider system a transaction-specific unique reference locator linked to a transaction-specific web page;
updating with the processor of the service provider system the transaction-specific web page to display instructions to the consumer on how to provide the payment for the purchase request at the point-of-sale terminal;
transmitting with the communications interface of the service provider system the transaction-specific unique reference locator to the consumer at the consumer'"'"'s mobile telephone number;
generating with the processor of the service provider system a token ID;
linking with the processor of the service provider system the token ID to the transaction instructions;
updating with the processor of the service provider system the transaction-specific web page to display the token ID;
receiving with the communications interface of the service provider system confirmation that the consumer presented the token ID and the payment to the point-of-sale terminal;
verifying with the processor of the service provider system that the payment is in accordance with the transaction instructions; and
updating with the processor of the service provider system the transaction-specific web page to display a transaction receipt confirming the payment at the point-of-sale.
11 Assignments
0 Petitions
Accused Products
Abstract
Disclosed herein are systems and methods for facilitating transactions between a merchant-partner and an end-user. In one embodiment, a service provider: (a) stages a transaction between a merchant and a consumer; (b) creates a transaction-specific unique reference locator (URL) linked to a transaction-specific web page; and (c) sends the transaction-specific URL to the consumer'"'"'s mobile device. Whereupon the consumer clicks on the transaction specific URL on their mobile device, the service provider displays a token ID on the transaction-specific web page. The token ID is linked to the staged transaction and is used to initiate data communication between a point-of-sale (POS) terminal and the service provider'"'"'s processing unit. The service provider can then: receive confirmation that the consumer has presented the token ID and a payment to the POS terminal; display a transaction receipt on the transaction-specific web page; and/or notify the merchant that the consumer has provided the payment.
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Citations
14 Claims
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1. A method for facilitating a payment between an online merchant and a consumer, wherein the consumer provides a purchase request on a mobile device, and wherein the consumer provides the payment for the purchase request at a point-of-sale terminal that is local to the consumer and remote to the merchant, the method comprising:
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receiving with a communications interface of a service provider system the purchase request made on the mobile device; generating with a processor of the service provider system transaction instructions for the purchase request; receiving with the communications interface of the service provider system the consumer'"'"'s mobile phone number; linking with the processor of the service provider system the consumer'"'"'s mobile phone number to the transaction instructions; creating with the processor of the service provider system a transaction-specific unique reference locator linked to a transaction-specific web page; updating with the processor of the service provider system the transaction-specific web page to display instructions to the consumer on how to provide the payment for the purchase request at the point-of-sale terminal; transmitting with the communications interface of the service provider system the transaction-specific unique reference locator to the consumer at the consumer'"'"'s mobile telephone number; generating with the processor of the service provider system a token ID; linking with the processor of the service provider system the token ID to the transaction instructions; updating with the processor of the service provider system the transaction-specific web page to display the token ID; receiving with the communications interface of the service provider system confirmation that the consumer presented the token ID and the payment to the point-of-sale terminal; verifying with the processor of the service provider system that the payment is in accordance with the transaction instructions; and updating with the processor of the service provider system the transaction-specific web page to display a transaction receipt confirming the payment at the point-of-sale. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method for facilitating a payment between an online merchant and a consumer, wherein the consumer provides a purchase request on a mobile device, and wherein the consumer provides the payment for the purchase request at a point-of-sale terminal that is local to the consumer and remote to the merchant, the method comprising:
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receiving with a communications interface of a service provider system the purchase request made on the mobile device; generating with a processor of the service provider system transaction instructions for the purchase request; receiving with the communications interface of the service provider system the consumer'"'"'s contact information; linking with the processor of the service provider system the consumer'"'"'s contact information to the transaction instructions; creating with the processor of the service provider system a transaction-specific unique reference locator linked to a transaction-specific web page; updating with the processor of the service provider system the transaction-specific web page to display instructions to the consumer on how to provide the payment for the purchase request at the point-of-sale terminal; transmitting with the communications interface of the service provider system the transaction-specific unique reference locator to the consumer at the consumer'"'"'s contact information; generating with the processor of the service provider system a token ID; linking with the processor of the service provider system the token ID to the transaction instructions; updating with the processor of the service provider system the transaction-specific web page to display the token ID; receiving with the communications interface of the service provider system confirmation that the consumer presented the token ID and the payment to the point-of-sale terminal; verifying with the processor of the service provider system that the payment is in accordance with the transaction instructions; and updating with the processor of the service provider system the transaction-specific web page to display a transaction receipt confirming the payment at the point-of-sale. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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Specification