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Decoding systems with a decoding engine running on a mobile device and coupled to a payment system

  • US 9,824,350 B2
  • Filed: 10/18/2013
  • Issued: 11/21/2017
  • Est. Priority Date: 10/13/2010
  • Status: Active Grant
First Claim
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1. A decoding system, comprising:

  • a decoding engine running on a mobile device, the decoding engine being configured to decode and digitize signals produced from a read of a buyer'"'"'s financial transaction card through a card reader coupled to the mobile device;

    a transaction engine running on the mobile device and coupled to the decoding engine, the transaction engine being configured to process a financial transaction between the buyer and a merchant through a payment system using information describing the buyer'"'"'s financial transaction card, wherein the buyer'"'"'s financial transaction card information is not shared with the merchant; and

    the transaction engine configured to receive a card reader identifier from the card reader, and to transmit the card reader identifier to the payment system, wherein the payment system is configured to complete the financial transaction based at least in part on the card reader identifier.

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