TWO PHASE PAYMENT LINK AND AUTHORIZATION FOR MOBILE DEVICES

• US 20120011009A1
• Filed: 07/07/2010
• Published: 01/12/2012
• Est. Priority Date: 07/07/2010
• Status: Active Grant

• Current Assignee: Toshiba Global Commerce Solutions Holdings Corporation (Toshiba Corporation)
• Original Assignee: International Business Machines Corporation
• Inventors: Lindsey, Paul D., Nilsen, Eric J., Sisson, Mark W.
• Granted Patent: US 8,571,939 B2
• Time in Patent Office: Days
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

Aspects of the invention are directed to a two phase payment link and authorization method and system for mobile devices. A method for payment and authorization according to an embodiment includes: requesting and receiving, at a mobile device, a transaction identifier from a payment service; displaying the transaction identifier on a display of the mobile device, wherein the transaction identifier is in a machine readable format; scanning the transaction identifier at a point of sale system; sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service; creating, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier; and sending the transaction information from the payment system to the mobile device.

Claims

1. A method for payment and authorization, comprising:

requesting and receiving, at a mobile device, a transaction identifier from a payment service;

displaying the transaction identifier on a display of the mobile device, wherein the transaction identifier is in a machine readable format;

scanning the transaction identifier at a point of sale system;

sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service;

creating, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier; and

sending the transaction information from the payment system to the mobile device.

2. The method of claim 1, further comprising:

displaying the transaction information on the display of the mobile device;

receiving a payment method selection;

sending the selected payment method to the payment service;

completing a payment authorization at the payment service; and

sending acknowledgment of the payment authorization to the point of sale system.

3. The method of claim 1, wherein the payment system comprises a payment cloud.

4. The method of claim 1, further comprising:

authenticating an identity of a user of the mobile device.

5. The method of claim 1, wherein the machine readable format comprises a barcode.

6. The method of claim 1, wherein the transaction identifier is unique to a given transaction and is valid for a predetermined period of time.

7. An apparatus for payment and authorization, comprising:

a component for requesting and receiving, at a mobile device, a transaction identifier from a payment service;

a display for displaying the transaction identifier on the mobile device, wherein the transaction identifier is in a machine readable format;

a component for scanning the transaction identifier at a point of sale system;

a component for sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service;

a component for creating, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier; and

a component for sending the transaction information from the payment system to the mobile device.

8. The apparatus of claim 7, further comprising:

a display for displaying the transaction information on the display of the mobile device;

a component for receiving a payment method selection;

a component for sending the selected payment method to the payment service;

a component for completing a payment authorization at the payment service; and

a component for sending acknowledgment of the payment authorization to the point of sale system.

9. The apparatus of claim 7, wherein the payment system comprises a payment cloud.

10. The apparatus of claim 7, further comprising:

a component for authenticating an identity of a user of the mobile device.

11. The apparatus of claim 7, wherein the machine readable format comprises a barcode.

12. The apparatus of claim 7, wherein the transaction identifier is unique to a given transaction and is valid for a predetermined period of time.

13. A computer program comprising program code embodied in at least one computer-readable storage medium, which when executed, enables a computer system to implement a method for payment and authorization, the method comprising:

requesting and receiving, at a mobile device, a transaction identifier from a payment service;

displaying the transaction identifier on a display of the mobile device, wherein the transaction identifier is in a machine readable format;

scanning the transaction identifier at a point of sale system;

sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service;

creating, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier; and

sending the transaction information from the payment system to the mobile device.

14. The computer program of claim 13, wherein the method further comprises:

displaying the transaction information on the display of the mobile device;

receiving a payment method selection;

sending the selected payment method to the payment service;

completing a payment authorization at the payment service; and

sending acknowledgment of the payment authorization to the point of sale system.

15. The computer program of claim 13, wherein the payment system comprises a payment cloud.

16. The computer program of claim 13, wherein the method further comprises:

authenticating an identity of a user of the mobile device.

17. The computer program of claim 13, wherein the machine readable format comprises a barcode.

18. The computer program of claim 13, wherein the transaction identifier is unique to a given transaction and is valid for a predetermined period of time.

19. A method of generating a computer system for payment and authorization, the method comprising:

providing a computer system operable to;

request and receive, at a mobile device, a transaction identifier from a payment service;

display the transaction identifier on a display of the mobile device, wherein the transaction identifier is in a machine readable format;

scan the transaction identifier at a point of sale system;

send the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service;

create, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier; and

send the transaction information from the payment system to the mobile device.