Systems and methods for facilitating remote authorization and payment of goods via mobile commerce

• US 10,789,585 B2
• Filed: 09/11/2013
• Issued: 09/29/2020
• Est. Priority Date: 09/11/2012
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Sanchez, J. Scott, Royyuru, Vijay Kumar, Adkisson, Brent Dewayne, Myers, Jerome Wendell
• Primary Examiner(s): Bridges, Christopher
• Application Number:
  US14/024,411
• Publication Number:
  US 20140081854A1
• Time in Patent Office: 2,575 Days
• Field of Search: 705 40
• CPC Class Codes: B60S 3/00 Vehicle cleaning apparatus not integral with vehicles cleaning in general B08B; cleaning peculiar to waterborne vessels B63B57/00, B63B59/00; ground equipment for cleaning aircraft B64F5/30
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0233 Method of redeeming a frequent usage reward
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0625 Directed, with specific intent or strategy
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: H04L 63/083 : using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226

Abstract

An on-site consumer at a merchant location can obtain payment authorization and a payment method via a mobile device and mobile application from third-party payor that is not at the merchant location. The on-site consumer can select products for purchase and receive the price from the merchant POS device. The on-site consumer can initial the mobile application and select a third-party payor. A notification can be sent to the mobile or other device of the third-party payor. The third-party payor can elect to pay or decline the request and can select a payment method via the mobile application on their device. The decision of the third-party payor and any payment method can be transmitted to the mobile device of the on-site consumer and/or the merchant POS device. After the completion of the purchase, the mobile application can transmit an electronic receipt to the mobile device of the third-party payor.

Claims

1. A computer program product storing computer-executable instructions that, when executed by at least one processor, configure the at least one processor to perform operations comprising:

transmitting a consent request to be a third-party payor for a user of a user mobile device to at least one client device of at least one third-party payor, wherein each of the at least one third-party payors is one of a family member or co-worker of the user of the user mobile device;

receiving at least one response to the consent request from the at least one client device of at least one third-party payor, wherein the at least one response comprises an acceptance of consent to being a third-party payor for the user of the user mobile device;

receiving a scan of a product code from a merchant location for a product or service for purchase;

transmitting the product code to a merchant point of sale device located at the merchant location;

receiving, from the merchant point of sale device and based at least on the transmission of the product code to the merchant point of sale device, a price for the product or service for purchase;

displaying, based at least on the acceptance of consent received from the at least one client device of the at least one third-party payor, at least one third-party payor for selection on a display of the user mobile device;

receiving a selection of one of the at least one third-party payor;

transmitting an alert notification to a mobile device of the selected third-party payor requesting payment of the product or service by the selected third-party payor;

receiving a payment instruction from the mobile device of the selected third-party payor;

generating, in response to the payment instruction from the mobile device of the selected third-party payor, a two-dimensional payment code comprising one of a QR code and a bar code, the payment code comprising an indication of payment method to pay for the product; and

displaying the payment instruction and the payment code simultaneously on a display of the user mobile device.

2. The computer program product of claim 1, further comprising computer-executable instructions that, when executed by the at least one processor, configure the at least one processor to perform operations comprising transmitting the payment instruction to the merchant point of sale device for payment of the product or service for purchase.

3. The computer program product of claim 1, further comprising computer-executable instructions that, when executed by the at least one processor, configure the at least one processor to perform operations comprising receiving, by from the merchant point of sale device and based at least on the transmission of the product code to the merchant point of sale device, an identification of the product or service.

4. The computer program product of claim 1, wherein the alert notification comprises the price for the product or service for purchase.

5. The computer program product of claim 1, further comprising computer-executable instructions that, when executed by the at least one processor, configure the at least one processor to perform operations comprising:

determining based at least on the acceptance of consent received from the at least one client device of the at least one third-party payor, a listing of the at least one third-party payors to request payment of the product or service.

6. The computer program product of claim 1, wherein the selected third-party payor is located remotely from the merchant location.

13. The computer program product of claim 1, wherein the product code is selected from the group consisting of an alphanumeric code, a bar code, and a QR code.

15. The computer program product of claim 1, further comprising computer-executable instructions that, when executed by the at least one processor, configure the at least one processor to perform operations comprising generating the consent request.

17. The computer program product of claim 1, further comprising computer-executable instructions that, when executed by the at least one processor, configure the at least one processor to perform operations comprising transmitting the payment code to the merchant point of sale device for payment of the product or service for purchase.

7. A system for a user mobile device comprising:

at least one memory storing computer-executable instructions; and

at least one processor, wherein the at least one processor is configured to access the at least one memory and to execute the computer-executable instructions to;

direct communication of a consent request to be a third-party payor for a user of a user mobile device to at least one client device of at least one third-party payor, wherein each of the at least one third party payors is one of a family member or co-worker of the user of the user mobile device;

receive at least one response to the consent request from the at least one client device of at least one third-party payor, wherein the at least one response comprises an acceptance of consent to being a third-party payor for the user of the user mobile device;

receive a scan, at a merchant location, of a product code from a merchant location for a product or service for purchase;

direct communication of the product code to a merchant point of sale device located at the merchant location;

receive, from the merchant point of sale device and based at least on the communication of the product code to the merchant point of sale device, a price for the product or service for purchase;

display, based at least on the acceptance of consent received from the at least one client device of the at least on third-party payor, at least one third-party payor for selection;

receive a selection of one of the at least one third-party payor;

direct communication of an alert notification to a mobile device of the selected third-party payor requesting payment of the product or service by the selected third-party payor;

receive a payment instruction from the mobile device of the selected third-party payor;

generate, in response to the payment instruction from the mobile device of the selected third-party payor, a two-dimensional payment code comprising one of a QR code and a bar code, the payment code comprising an indication of a payment method to pay for the product; and

display the payment instruction and the payment code simultaneously on a display of the user mobile device.

8. The system of claim 7, wherein the at least one processor is further configured to execute the computer-executable instructions to direct communication of the payment instruction to the merchant point of sale device for payment of the product or service for purchase.

9. The system of claim 7, wherein the at least one processor is further configured to execute the computer-executable instructions to receive, from the merchant point of sale device and based at least on the communication of the product code to the merchant point of sale device, an identification of the product or service.

10. The system of claim 7, wherein the alert notification comprises the price for the product or service for purchase.

11. The system of claim 7, wherein the at least one processor is further configured to execute the computer-executable instructions to:

determine, based at least on the acceptance of consent received from the at least one client device of the at least one third-party payor, a listing of the at least one third-party payors to request payment of the product or service.

12. The system of claim 7, wherein the user mobile device is located at a merchant location and wherein the selected third-party payor is located remotely from the merchant location.

14. The system of claim 7, wherein the product code is selected from the group consisting of an alphanumeric code, a bar code, and a QR code.

16. The system of claim 7, wherein the at least one processor is further configured to execute the computer-executable instructions to generate the consent request.

18. The system of claim 7, wherein the at least one processor is further configured to execute the computer-executable instructions to direct communication of the payment code to the merchant point of sale device for payment of the product or service for purchase.