Mobile commerce authentication and authorization systems
First Claim
1. A method operational at a point-of-sale device for facilitating a payment transaction, the method comprising:
- computing, by the point-of-sale device, a transaction amount;
receiving, at the point-of-sale device, an input from a payment instrument replacement that indicates a payment transaction is being performed with an access terminal and without a customer payment instrument, wherein receiving the input from the payment instrument replacement comprises reading the payment instrument replacement using a component of the point-of-sale device configured to read the customer payment instrument;
generating, by the point-of-sale device, a payment request message including the transaction amount and one or more location parameters, the payment request message comprising no customer-specific information and no account-specific information;
sending, by the point-of-sale device, the payment request message to a payment matching server;
establishing a wireless communication link with the access terminal from the point-of-sale device; and
providing, by the point-of-sale device, vendor identifying information and the transaction amount to the access terminal via the wireless communication link.
1 Assignment
0 Petitions
Accused Products
Abstract
Mobile commerce authentication and authorization systems enable currently existing point-of-sale devices that are neither structurally nor systemically altered to conduct financial transactions with a customer using an access terminal across a wireless communications system. The point-of-sale devices receive an input from a payment instrument replacement, which identifies the transaction to the point-of-sale device as a transaction including an access terminal. Authentication of the user of the access terminal is achieved at least by application of position and/or location determinable features of the access terminal, the position and/or location of a point-of-sale device of a vendor or merchant where the customer seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A payment matching server may assist in processing the location data and the payment sum amount across communications network.
27 Citations
16 Claims
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1. A method operational at a point-of-sale device for facilitating a payment transaction, the method comprising:
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computing, by the point-of-sale device, a transaction amount; receiving, at the point-of-sale device, an input from a payment instrument replacement that indicates a payment transaction is being performed with an access terminal and without a customer payment instrument, wherein receiving the input from the payment instrument replacement comprises reading the payment instrument replacement using a component of the point-of-sale device configured to read the customer payment instrument; generating, by the point-of-sale device, a payment request message including the transaction amount and one or more location parameters, the payment request message comprising no customer-specific information and no account-specific information; sending, by the point-of-sale device, the payment request message to a payment matching server; establishing a wireless communication link with the access terminal from the point-of-sale device; and providing, by the point-of-sale device, vendor identifying information and the transaction amount to the access terminal via the wireless communication link. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A point-of-sale device for facilitating a payment transaction, comprising:
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means for computing a transaction amount by the point-of-sale device; means for receiving, by the point-of-sale device, an input from a payment instrument replacement when a customer requests payment by using an access terminal without a payment instrument of the customer, wherein the means for receiving the input from the payment instrument replacement comprises means for reading the payment instrument replacement using a component of the point-of-sale device configured to read the customer payment instrument; means for generating a payment request message including the transaction amount and one or more location parameters, the payment request message comprising no customer-specific information and no account-specific information; means for sending the payment request message to a payment matching server; means for establishing a wireless communication link with the access terminal by the point-of-sale device; and means for providing vendor identifying information and the transaction amount to the access terminal via the wireless communication link by the point-of-sale device. - View Dependent Claims (12, 13, 14)
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15. A machine-readable medium comprising instructions operational on a point-of-sale device for facilitating a payment transaction, which when executed by a processor causes the processor to:
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receive, at the point-of-sale device, an input from a payment instrument replacement that indicates that a customer is using an access terminal for payment without a payment instrument of the customer, wherein the processor is configured to read the payment instrument replacement using a component of the point-of-sale device configured to read the customer payment instrument; generate, at the point-of-sale device, a payment request message when the input is received, the payment request message including a transaction amount and one or more location parameters, the payment request message comprising no customer-specific information and no account-specific information; send from the point-of-sale device the payment request message to a payment matching server; establish a wireless communication link with the access terminal from the point-of-sale device; and provide vendor identifying information and the transaction amount to the access terminal via the wireless communication link by the point-of-sale device. - View Dependent Claims (16)
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Specification