Mobile device authorization system for concurrent submission of multiple tender types

• US 9,292,846 B2
• Filed: 11/28/2011
• Issued: 03/22/2016
• Est. Priority Date: 11/28/2011
• Status: Active Grant

• Current Assignee: Stripe, Inc.
• Original Assignee: Mocapay, Inc. (Moca Financial, Inc.)
• Inventors: White, William O.
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US13/305,481
• Publication Number:
  US 20130138516A1
• Time in Patent Office: 1,576 Days
• Field of Search: 705/14.51, 705/14.64, 705/17, 705/26.1, 705/30, 705/39, 705/44
• US Class Current: 1/1
• 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 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

Methods, systems, and devices are described for providing mobile device transaction approvals utilizing multiple forms of tender. An identifier of a mobile device and a request for a transaction authorization may be transmitted from a mobile device and received at a payment authority system. The payment authority system may generate a payment code for transmission to the mobile device. The payment code may be provided to a point of sale (POS) system. The POS system may transmit a transaction amount, an identifier of a merchant, and the payment code to the payment authority system. A number of forms of tender may be applied to the transaction amount. The payment authority system may generate a unified approval code applying the multiple forms of tender to the transaction. The unified approval code may be transmitted to the POS system and applied to a transaction.

Claims

1. A method of mobile device transaction approval, the method comprising:

receiving, at a payment authority server, a mobile device identifier of a mobile device and a request for a transaction authorization;

generating, at the payment authority server, a payment code for the mobile device based on the mobile device identifier and the request for the transaction authorization, wherein the payment code corresponds to a plurality of forms of tender associated with the mobile device identifier at the payment authority server;

transmitting the payment code to the mobile device;

receiving, at the payment authority server, a transaction amount, a merchant identifier of a merchant, and the payment code from a point of sale (POS) system;

applying, at the payment authority server, the plurality of forms of tender to the transaction amount;

generating, at the payment authority server, a unified approval code for transmission to the POS system, the unified approval code instructing the POS system to apply funds from the multiple forms of tender to the transaction; and

transmitting the unified approval code to the POS system.

2. The method of claim 1, wherein applying the plurality of forms of tender to the transaction amount comprises:

automatically applying the plurality of forms of tender to the transaction amount according to preset preferences of a user of the mobile device.

3. The method of claim 1, further comprising:

transmitting a user interface to a user of the mobile device to select preferences relating to forms of tender to be applied; and

receiving selected preferences from the user of the mobile device,

wherein applying the plurality of forms of tender to the transaction amount comprises applying the plurality of forms of tender to the transaction amount according to selected preferences.

4. The method of claim 3, wherein,

transmitting the user interface comprises transmitting the user interface in response to receiving the request for a transaction authorization;

and

receiving the selected preferences occurs before generating the payment code.

5. The method of claim 1, wherein applying the plurality of forms of tender to the transaction amount comprises:

automatically applying the plurality of forms of tender to the transaction amount at least in part according to preset preferences of the merchant.

6. The method of claim 5, further comprising:

offering an additional form of tender to the user of the mobile device in response to receiving the merchant identifier and according to preset preferences of the merchant.

7. The method of claim 1, wherein the plurality of forms of tender include at least a credit card, a debit card, a gift card, a prepaid card, a coupon, a digital currency, or a loyalty card.

8. The method of claim 1, wherein the unified approval code applying the plurality of forms of tender to the transaction results in an amount less than the transaction amount, and an additional amount remains due.

9. The method of claim 1, wherein the request for the transaction authorization comprises information identifying the merchant.

10. A payment authority server for mobile device transaction approvals, the system comprising:

at least one processor; and

a memory communicatively coupled with the at least one processor, wherein the memory stores code configured to cause the at least one processor to;

receive a mobile device identifier of a mobile device and a request for a transaction authorization;

generate a payment code for the mobile device based on the mobile device identifier and the request for the transaction authorization, wherein the payment code corresponds to a plurality of forms of tender associated with the mobile device identifier at the payment server;

transmit the payment code to the mobile device;

receive a transaction amount, a merchant identifier of a merchant, and the payment code from a point of sale (POS) system;

apply the plurality of forms of tender to the transaction amount;

generate a unified approval code for transmission to the POS system, the unified approval code instructing the POS system to apply funds from the multiple forms of tender to the transaction; and

transmit the unified approval code to the POS system.

11. The payment authority server claim 10, wherein the code is further configured to cause the at least one processor to:

automatically apply the plurality of forms of tender to the transaction amount according to preset preferences of a user of the mobile device.

12. The payment authority server of claim 10, wherein the code is further configured to cause the at least one processor to:

transmit a user interface to a user of the mobile device to select preferences relating to forms of tender to be applied; and

receive selected preferences from the user of the mobile device,

wherein applying the plurality of forms of tender to the transaction amount comprises applying the plurality of forms of tender to the transaction amount according to selected preferences.

13. The payment authority server of claim 12, wherein the code is further configured to cause the at least one processor to:

transmit the user interface in response to receiving the request for a transaction authorization; and

receive the selected preferences before generating the payment code.

14. The payment authority server of claim 10, wherein the code is further configured to cause the at least one processor to automatically apply the plurality of forms of tender to the transaction amount at least in part according to preset preferences of the merchant.

15. The payment authority server of claim 14, wherein the code is further configured to cause the at least one processor to:

offer an additional form of tender to the user of the mobile device in response to receiving the merchant identifier and according to preset preferences of the merchant.