ELECTRONIC PAYMENT SYSTEM
First Claim
1. A mobile apparatus for use in an electronic payment system comprising a merchant terminal, said mobile apparatus comprising:
- a memory component for storing a list of electronic payment accounts that might be used in completing an electronic payment transaction;
a transmitting unit for sending said list to the merchant terminal;
a receiving unit for receiving account-related information back from the merchant terminal, said account-related information comprising account identifiers for each electronic payment account on the list and additional information relating to one or more of the electronic payment accounts on the list;
a payment method selection component for using account-related information received from the merchant terminal to generate a set of payment method candidates, each payment method including the use of at least one of the electronic payment accounts; and
a user input component for receiving a user'"'"'s selection of one of the payment method candidates in the generated set.
1 Assignment
0 Petitions
Accused Products
Abstract
An electronic payment system includes a mobile apparatus, such as a mobile phone, with a memory for storing a list of electronic payment accounts that may be used to complete an electronic payment transaction. The electronic payment system further includes a merchant terminal that can receive the account list from the mobile apparatus. The merchant terminal retrieves account-related information for the accounts on the received account list and returns the account-related information to the mobile apparatus. The mobile apparatus uses the information from the merchant terminal to generate a set of payment method candidates. The set of candidates are presented to the user for selecting a payment method to be used. The payment method is sent to the merchant terminal for use in completing the pending transaction.
81 Citations
20 Claims
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1. A mobile apparatus for use in an electronic payment system comprising a merchant terminal, said mobile apparatus comprising:
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a memory component for storing a list of electronic payment accounts that might be used in completing an electronic payment transaction; a transmitting unit for sending said list to the merchant terminal; a receiving unit for receiving account-related information back from the merchant terminal, said account-related information comprising account identifiers for each electronic payment account on the list and additional information relating to one or more of the electronic payment accounts on the list; a payment method selection component for using account-related information received from the merchant terminal to generate a set of payment method candidates, each payment method including the use of at least one of the electronic payment accounts; and a user input component for receiving a user'"'"'s selection of one of the payment method candidates in the generated set. - View Dependent Claims (2, 3, 4, 5)
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6. A method practiced in a mobile apparatus used in an electronic payment system, said mobile apparatus including at least a memory component, a transmitting unit, a receiving unit and a payment method selection component, said method comprising:
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storing, in the memory component, a list of electronic payment accounts that might be used in completing an electronic payment transaction; sending said list to the merchant terminal; receiving account-related information back from the merchant terminal, said account-related information comprising account identifiers for each electronic payment account on the list and additional information relating to one or more of the electronic payment accounts on the list; using account-related information received from the merchant terminal, generating a set of payment method candidates, each payment method including the use of at least one of the electronic payment accounts; and receiving a user'"'"'s selection of one of the payment method candidates in the generated set. - View Dependent Claims (7, 8, 9, 10)
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11. A computer program product for use in a mobile apparatus used in an electronic payment system, said system including a merchant terminal, said computer program product comprising a computer usable medium having computer usable program code embodied therewith, said computer usable program code comprising:
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computer usable program code configured to store, in the memory component, a list of electronic payment accounts that might be used in completing an electronic payment transaction; computer usable program code configured to send said list to the merchant terminal; computer usable program code configured to receive account-related information back from the merchant terminal, said account-related information comprising account identifiers for each electronic payment account on the list and additional information relating to one or more of the electronic payment accounts on the list; computer usable program code configured to use account-related information received from the merchant terminal, generating a set of payment method candidates, each payment method including the use of at least one of the electronic payment accounts; and computer usable program code configured to receive a user'"'"'s selection of one of the payment method candidates in the generated set.
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- 12. A computer program product according to claim 12 further comprising computer usable program code configured to provide a visual representation, on a display screen in the mobile apparatus, of one or more of the payment method candidates in the generated set.
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16. A merchant terminal for use in an electronic payment system, said system including at least one mobile apparatus used by a user, said merchant terminal comprising:
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a receiving unit for receiving a list of electronic payment accounts from the mobile apparatus; an information acquiring unit for retrieving account-related information for one or more of the accounts included in the received list; and a transmitting unit for returning the list of electronic payment accounts to the mobile apparatus along with account-related information retrieved by said information acquiring unit.
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17. A method practiced in a merchant terminal used in an electronic payment system, said system including at least one mobile apparatus used by a user, said method comprising:
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receiving a list of electronic payment accounts from the mobile apparatus; retrieving account-related information for one or more of the accounts included in the received list; and returning the list of electronic payment accounts to the mobile apparatus along with retrieved, account-related information. - View Dependent Claims (18)
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19. A computer program product for use in a merchant terminal used in an electronic payment system, said system further including at least one mobile apparatus used by a user of the electronic payment system, said computer program product comprising computer usable medium having computer usable program code embodied therewith, said computer usable program code comprising:
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computer usable program code configured to receive a list of electronic payment accounts from the mobile apparatus; computer usable program code configured to retrieve account-related information for one or more of the accounts included in the received list; and computer usable program code configured to return the list of electronic payment accounts to the mobile apparatus along with retrieved account-related information. - View Dependent Claims (20)
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Specification