AUTHORIZATIONS FOR MOBILE CONTACTLESS PAYMENT TRANSACTIONS

• US 20090106160A1
• Filed: 10/19/2007
• Published: 04/23/2009
• Est. Priority Date: 10/19/2007
• Status: Abandoned Application

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Skowronek, Dan
• Application Number:
  US11/875,103
• Publication Number:
  US 20090106160A1
• Time in Patent Office: Days
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/045 using payment protocols involving tickets
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• 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 20/401 Transaction verification

Abstract

Embodiments generally relate to systems and methods for processing electronic payments for retail services and goods delivered by unattended retail device. In embodiments, an unattended retail device leverages a consumer'"'"'s mobile appliance to send the transaction and payment information to an authorizing authority. The authorizing authority receives the payment and transaction information, authorizes or declines the payment of the transaction, and forwards the authorization or declination to the mobile appliance. The mobile appliance then sends the authorization or declination to the unattended retail device. If authorized, the unattended retail device provides the retail good or service.

Claims

1. A consumer mobile appliance for completing a transaction with a retail device, the consumer mobile appliance comprising:

a first interface to a first wireless communications channel, the first interface to the first wireless communications channel operable to receive transaction information from the retail device, the first interface to the first wireless communications channel operable to send an authorization for the transaction to the retail device;

a first interface to a second communications channel, the first interface to the second communications channel operable to send the transaction information, from the retail device, and payment information to a merchant processor, the first interface to the second communications channel operable to receive the authorization for the transaction; and

a mobile application in communication with the first interface to the first wireless communication channel and the first interface to the second communication channel, the mobile application operable to generate the request for the transaction and provide the request to the first interface to the first communications channel, the mobile application operable to append the payment information to the transaction information, the mobile application operable to provide the payment information and transaction information to the first interface to the second communications channel, the mobile application operable to forward the authorization for the transaction from the first interface to the second communications channel to the first interface to the first communication channel.

2. The consumer mobile appliance as defined in claim 1, further comprising a payment application, the payment application operable to create the payment information and provide the payment information to the mobile application.

3. The consumer mobile appliance as defined in claim 2, wherein the payment application provides the payment information to a user interface for display, the user interface operable to display the payment information to a user.

4. The consumer mobile appliance as defined in claim 3, wherein the user interface is operable to receive a signal, the signal representing the user'"'"'s acceptance of the payment information.

5. The consumer mobile appliance as defined in claim 1, further comprising a timer, the timer operable to operate for a predetermined period of time, the timer operable to send a signal to the mobile application after the predetermined period of time, wherein the mobile application cancels the transaction if the authorization has not been received before receiving the signal from the timer.

6. The consumer mobile appliance as defined in claim 1, wherein the mobile application is operable to provide the authorization to a user interface, the user interface displaying the authorization for a user.

7. The consumer mobile appliance as defined in claim 1, further comprising an encryption module, the encryption module operable to encrypt the appended payment information and transaction information before sending the payment information and transaction information to the merchant processor.

8. The consumer mobile appliance as defined in claim 1, wherein the retail device is a first person'"'"'s mobile appliance and the transaction information relates to a person-to-person payment.

9. The consumer mobile appliance as defined in claim 1, wherein the retail device comprises:

a second interface to the first wireless communications channel, the second interface to the first wireless communications channel operable to receive the request for the transaction with the retail device, the second interface to the first wireless communications channel operable to send transaction information from the retail device, the first interface to the first wireless communications channel operable to receive the authorization for the transaction;

a point-of-sale application, the point-of-sale application operable to receive a selection for a retail service or good, the point-of-sale application operable to send information about the selection; and

a payment application in communication with the second interface to the first wireless communications channel and the point-of-sale application, the payment application operable to receive the information about the selection from the point-of-sale application, the payment application operable to create the transaction information and provide the transaction information to the second interface to the first wireless communications channel.

10. The consumer mobile appliance as defined in claim 1, wherein the merchant processor comprises:

a second interface to the second communications channel, the second interface to the second communications channel operable to receive the transaction information and the payment information, the second interface to the second communications channel operable to send the authorization for the transaction;

a compare module in communication with the second interface to the second communications channel, the compare module operable to compare one or more portions of the transaction information with one or more portions of the payment information to verify the transaction; and

an authorization module in communication with the second interface to the second communications channel and the compare module, the authorization module operable to obtain the authorization of the transaction and sending the authorization to the second interface to the second communications channel.

11. A method for authorizing a transaction with a retail device, the method comprising:

wirelessly sending a request for retail service from a mobile appliance to the retail device;

wirelessly receiving transaction information from the retail device;

creating payment information for the transaction;

appending the payment information to the transaction information;

wirelessly sending the appended payment information and transaction information to a merchant processor;

wirelessly receiving authorization for the transaction from the merchant processor; and

wirelessly sending the authorization to the retail device.

12. The method as defined in claim 11, further comprising:

displaying the transaction information for a user on a user interface device;

determining if the user accepts the transaction information by receiving a signal;

if the user accepts the transaction information, creating the payment information for the transaction; and

if the user does not accept the transaction information, cancelling the transaction.

13. The method as defined in claim 11, further comprising:

receiving a payment type; and

in response to receiving the payment type, creating the payment information for the transaction.

14. The method as defined in claim 13, further comprising

displaying the payment information for a user on a user interface device;

determining if the user accepts the payment information by receiving a signal;

if the user accepts the payment information, creating the payment information for the transaction; and

if the user does not accept the payment information, cancelling the transaction.

15. The method as defined in claim 11, further comprising:

wirelessly receiving the payment information and transaction information at the merchant processor;

comparing at least a portion of the payment information to at least a portion of the transaction information;

determining if the portion of the payment information compares to the portion of the transaction information;

if the portion of the payment information does not compare to the portion of the transaction information, wirelessly sending a decline message to the mobile appliance to cancel the transaction;

if the portion of the payment information compares to the portion of the transaction information, authorizing the payment; and

in response to authorizing the payment, wirelessly sending the authorization to the mobile appliance.

16. The method as defined in claim 15, further comprising:

wirelessly receiving the decline message at the mobile appliance; and

in response to receiving the decline message, cancelling the transaction.

17. The method as defined in claim 11, further comprising:

wirelessly receiving the payment information and transaction information at the merchant processor;

routing the payment information to a consumer payment device issuing institution;

comparing, by the consumer payment device issuing institution, at least a portion of the payment information to at least a portion of the transaction information;

determining, by the consumer payment device issuing institution, if the portion of the payment information compares to the portion of the transaction information;

if the portion of the payment information does not compare to the portion of the transaction information, sending a decline message to the merchant processor to cancel the transaction;

wirelessly sending the decline message from the merchant processor to the mobile appliance;

if the portion of the payment information compares to the portion of the transaction information, authorizing, by the issuing institution authorization, the transaction;

in response to authorizing the payment, sending the authorization to the merchant processor; and

wirelessly sending the authorization from the merchant processor to the mobile appliance.

18. A computer program stored on a computer readable medium, the computer program embodied in one or more instructions for authorizing a transaction at a retail device, the computer program comprising:

instructions to receive a request for a retail service;

instructions to transmit wirelessly transaction information from the retail device to a mobile appliance;

instructions to receive an authorization for the retail service; and

instructions to provide the retail service in response to the authorization.

19. The computer program as defined in claim 18, further comprising:

instructions to start a timer that operates for a predetermined period of time;

instructions to determine if the authorization has been received before the predetermined period of time; and

instructions to cancel the transaction if the authorization has not been received before the predetermined period of time.

20. The computer program as defined in claim 18, further comprising:

instructions to receive a signal declining the transaction for the retail service; and

instructions to cancel the transaction in response to the signal declining the transaction.