METHOD AND SYSTEM FOR CONDUCTING AN ONLINE PAYMENT TRANSACTION USING A MOBILE COMMUNICATION DEVICE

• US 20090144161A1
• Filed: 11/30/2007
• Published: 06/04/2009
• Est. Priority Date: 11/30/2007
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Mobile Candy Dish, Inc.
• Inventors: FISHER, Michelle
• Granted Patent: US 8,352,323 B2
• Time in Patent Office: Days
• US Class Current: 705/16
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• 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 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 : insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 : Electronic credentials
• 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 20/4012 : Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 : Identity check for transactions
• CPC Class Codes: G06Q 20/409 : Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/02 : Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0238 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0251 : Targeted advertisements
• CPC Class Codes: G06Q 30/0253 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0255 : based on user history
• CPC Class Codes: G06Q 30/0267 : Wireless devices
• CPC Class Codes: G06Q 30/0268 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0613 : Third-party assisted
• CPC Class Codes: G06Q 30/0635 : Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 40/00 : Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/10 : Tax strategies
• CPC Class Codes: G06Q 40/12 : Accounting
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04B 5/70 : specially adapted for specific purposes
• CPC Class Codes: H04M 1/72445 : for supporting Internet browser applications
• CPC Class Codes: H04N 21/812 : involving advertisement data advertising per se G06Q30/02
• CPC Class Codes: H04W 4/02 : Services making use of location information
• CPC Class Codes: H04W 4/029 : Location-based management or tracking services
• CPC Class Codes: H04W 4/18 : Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
• CPC Class Codes: H04W 4/21 : for social networking applications
• CPC Class Codes: H04W 4/80 : Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
• CPC Class Codes: H04W 8/205 : Transfer to or from user equipment or user record carrier
• CPC Class Codes: H04W 88/02 : Terminal devices

Abstract

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Claims

1. A method for conducting an online payment transaction through a point of sale device, the method comprising:

receiving input from a user selecting an item for purchase through the point of sale device;

in response to a request from the user to purchase the item, calculating a total purchase amount for the item;

sending payment authorization for the total purchase amount from the point of sale device to a payment entity, the payment authorization being sent to the payment entity via a mobile communication device of the user;

receiving a result of the payment authorization from the payment entity through the mobile communication device; and

completing the payment transaction based on the result of the payment authorization.

2. The method of claim 1, wherein the point of sale device is a desktop computer, a laptop computer, or a terminal.

3. The method of claim 2, wherein the mobile communication device comprises a cellular phone, a wireless personal digital assistant (PDA), or a laptop computer.

4. The method of claim 3, wherein the cellular phone comprises an NFC-enabled phone.

5. The method of claim 1, wherein sending payment authorization for the total purchase amount from the point of sale device to a payment entity includes sending the payment authorization securely to the payment entity.

6. The method of claim 5, wherein the payment entity comprises a person, a computer system, or a bank.

7. The method of claim 1, further comprising maintaining a shopping list on the mobile communication device of the user, the shopping list including a listing of one or more items to be purchased by the user.

8. The method of claim 1, wherein the payment authorization comprises an authorization for payment with a credit card, a debit card, or a prepaid card.

9. The method of claim 1, wherein the mobile communication device of the user has to be turned on in order to permit the payment authorization to be sent from the point of sale device to the payment entity.

10. A computer program product, tangibly stored on a computer readable medium, the product comprising instructions operable to cause a programmable processor to:

receive input from a user selecting an item for purchase through a point of sale device;

calculate a total purchase amount for the item in response to a request from the user to purchase the item;

send payment authorization for the total purchase amount from the point of sale device to a payment entity, the payment authorization being sent to the payment entity via a mobile communication device of the user;

receive a result of the payment authorization from the payment entity through the mobile communication device; and

complete the payment transaction based on the result of the payment authorization.

11. The computer program product of claim 10, wherein the point of sale device is a desktop computer, a laptop computer, or a terminal.

12. The computer program product of claim 11, wherein the mobile communication device comprises a cellular phone, a wireless personal digital assistant (PDA), or a laptop computer.

13. The computer program product of claim 12, wherein the cellular phone comprises an NFC-enabled phone.

14. The computer program product of claim 10, wherein the instructions to send payment authorization for the total purchase amount from the point of sale device to a payment entity include instructions to send the payment authorization securely to the payment entity.

15. The computer program product of claim 14, wherein the payment entity comprises a person, a computer system, or a bank.

16. The computer program product of claim 10, wherein the product further comprises instructions operable to cause a programmable processor to maintain a shopping list on the mobile communication device of the user, the shopping list including a listing of one or more items to be purchased by the user.

17. The computer program product of claim 10, wherein the payment authorization comprises an authorization for payment with a credit card, a debit card, or a prepaid card.