Mobile payment station system and method

  • US 8,589,236 B2
  • Filed: 10/18/2010
  • Issued: 11/19/2013
  • Est. Priority Date: 10/19/2009
  • Status: Active Grant
First Claim
Patent Images

1. A method for conducting a transaction between a merchant and a customer, the customer using a mobile device, the method comprising:

  • receiving a merchant identifier from the mobile device operated by the customer, the merchant identifier indicating a request to initiate a transaction with a merchant terminal identified by the merchant identifier, wherein the merchant identifier does not indicate a transaction amount for the transaction;

    sending, in response to receiving the merchant identifier, a transaction information request to the merchant terminal associated with the merchant identifier;

    receiving transaction information from the merchant terminal in response to the transaction information request, the transaction information including the transaction amount for the transaction;

    identifying a purchase account associated with the customer and a deposit account associated with the merchant; and

    initiating the transaction between the merchant and the customer for the transaction amount received from the merchant terminal and the identified purchase account associated with the customer and the identified deposit account associated with the merchant.

View all claims
    ×
    ×

    Thank you for your feedback

    ×
    ×