SYSTEM AND METHOD FOR MERCHANT DISCOVERY AND TRANSFER OF PAYMENT DATA
First Claim
1. A system for communicating with a merchant server and transferring payment data in a transaction between a mobile device and the merchant server, a user of the mobile device having a user identifier registered with the system and the merchant server having a merchant identifier registered with the system, the system comprising:
- a mobile device gateway server comprising a processor operatively connected to a memory, the memory having data and instructions stored thereon to configure the mobile device gateway server to interface with the mobile device and to interface with other components of the system to;
receive the merchant identifier from the mobile device;
determine a merchant server address associated with the merchant identifier;
establish a secure communication channel with the merchant server;
transfer a payment data request from the merchant server to the mobile device;
transfer a payment request response from the mobile device to the merchant server;
determine payment data associated with the user identifier; and
provide the payment data to the merchant server.
1 Assignment
0 Petitions
Accused Products
Abstract
A method and system are provided for communicating with a merchant server and transferring payment data in a transaction between a mobile device and a merchant server. A user of the mobile device has a user identifier registered with the system and the merchant server has a merchant identifier registered with the system. The method comprises the steps of: receiving the merchant identifier from the mobile device; determining a merchant server address associated with the merchant identifier; establishing a communication channel with the merchant server; exchanging interactive information requests and responses between the merchant server and the mobile device; determining payment data associated with the user identifier; and providing the payment data to the merchant server.
142 Citations
20 Claims
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1. A system for communicating with a merchant server and transferring payment data in a transaction between a mobile device and the merchant server, a user of the mobile device having a user identifier registered with the system and the merchant server having a merchant identifier registered with the system, the system comprising:
a mobile device gateway server comprising a processor operatively connected to a memory, the memory having data and instructions stored thereon to configure the mobile device gateway server to interface with the mobile device and to interface with other components of the system to; receive the merchant identifier from the mobile device; determine a merchant server address associated with the merchant identifier; establish a secure communication channel with the merchant server; transfer a payment data request from the merchant server to the mobile device; transfer a payment request response from the mobile device to the merchant server; determine payment data associated with the user identifier; and provide the payment data to the merchant server. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method for use in payment a system for communicating with a merchant server and transferring payment data in a transaction between a mobile device and the merchant server, a user of the mobile device having a registered user identifier and the merchant having a registered merchant identifier, the method comprising:
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receiving the merchant identifier from the mobile device; determining a merchant server address associated with the merchant identifier; establishing a communication channel with the merchant server; transferring a transfer of payment data request from the merchant server to the mobile device; transferring a payment request response from the mobile device to the merchant server; determining payment data associated with the user identifier; and providing the payment data to the merchant server. - View Dependent Claims (11, 12, 13, 14, 15, 16)
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17. A method of registering a user in a payment system, the payment system for communicating with a merchant server and transferring payment data in a transaction between a mobile device and the merchant server, the method comprising:
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receiving a request for registration of an account; receiving payment data associated with the user; generating an account identification (ID) and mapping the account ID to the payment data; and storing the account ID, the mapping and the associated data in a database. - View Dependent Claims (18, 19, 20)
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Specification