Cloud based payment method

• US 9,672,513 B2
• Filed: 10/03/2013
• Issued: 06/06/2017
• Est. Priority Date: 10/05/2012
• Status: Active Grant

• Current Assignee: Alcatel-Lucent SA (Nokia Corporation)
• Original Assignee: Alcatel-Lucent SA (Nokia Corporation)
• Inventors: Belpaire, Anthony, Natu, Amol
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US14/432,623
• Publication Number:
  US 20150262163A1
• Time in Patent Office: 1,342 Days
• Field of Search: 705 30, 705 44, 705 77, 705 1451, 705 1473, 705 268, 705 39, 705 38, 705 1436, 705 1433, 450558
• CPC Class Codes: G06Q 10/00 Administration; 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 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• 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 20/326 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A cloud based payment method for payment at a merchant'"'"'s electronic cash register (202) comprising the steps of: —upfront: A. registering payment credentials (101) of a user; —at check-in of a store of a participating merchant: B1. launching a cloud payment application (211) on a mobile terminal (201) to establish connectivity with a cloud payment service (100); —and at check-out at an electronic cash register (202): C1. identifying (221, 222; 321, 323) the user with the cloud payment service (100) through an identification shared with the cloud payment service (100) via the electronic cash register (202) or via the cloud payment application (211); C2. communicating (222; 322) an amount payable from the electronic cash register (202) to the cloud payment service (100); C3. communicating (223; 324) the amount payable from the cloud payment service (100) to the cloud payment application (211); C4. receiving (224; 325) confirmation of the amount payable from the user; C5. obtaining (225; 326) payment authorization using the payment credentials (101); and C6. confirming (226; 327) payment from the cloud payment service (100) to the electronic cash register (202).

Claims

1. A cloud based payment method for payment at a merchant'"'"'s electronic cash register comprising:

upfront;

registering payment credentials of a user with a cloud payment service wherein also participating merchants are registered;

at check-in of a store of a participating merchant;

launching a cloud payment application on a mobile terminal of said user, said cloud payment application establishing connectivity with and logging into said cloud payment service;

and at check-out at an electronic cash register of said participating merchant;

identifying said user with said cloud payment service through an identification shared with said cloud payment service via said electronic cash register or via said cloud payment application;

communicating an amount payable from said electronic cash register to said cloud payment service;

communicating said amount payable from said cloud payment service to said cloud payment application;

receiving confirmation of said amount payable from said user;

obtaining payment authorization by said cloud payment service using said payment credentials; and

confirming payment from said cloud payment service to said electronic cash register;

wherein said identifying said user comprises identification via at least one of a basket ID and a loyalty ID;

wherein identification via said basket ID comprises obtaining a basket ID from said electronic cash register, said basket ID being an identification code for a single payment procedure at said merchant; and

communicating said basket ID from said logged in cloud payment application to said cloud payment service and wherein said communicating said amount payable further comprises communicating said basket ID from said electronic cash register to said cloud payment service thereby identifying said user as associated with said single payment procedure to said cloud payment service; and

wherein identification via said loyalty ID comprises said registering of said payment credentials including an association of said payment credentials with said loyalty ID and wherein said communicating said amount payable further comprises communicating said loyalty ID from said electronic cash register to said cloud payment service thereby identifying said user to said cloud payment service.

2. The cloud based payment method according to claim 1, further comprising:

registering one or more loyalty cards of said user with said cloud payment service; and

selecting said participating merchant through its loyalty card.

3. The cloud based payment method according to claim 2, further comprising:

updating a status of a loyalty card of said user with said merchant after said payment.

4. The cloud based payment method according to claim 1, further comprising:

uploading one or more vouchers or coupons of said user into said cloud payment service;

modifying said amount payable in view of said vouchers or coupons; and

communicating a modified amount payable to said electronic cash register and said cloud payment application before receiving confirmation from said user.

5. The cloud based payment method according to claim 1, further comprising:

PIN confirmation by said user when said amount payable exceeds a certain threshold.

6. The cloud based payment method according to claim 1, further comprising:

selecting said participating merchant by;

determining a location of said mobile terminal through positioning technology integrated in said mobile terminal; and

producing a list of participating merchants within the neighbourhood of said location thereby enabling said user to make a selection.

7. The cloud based payment method according to claim 1, further comprising:

communicating from said cloud payment service to said cloud payment application offers valid for said user at said participating merchant.

8. A cloud payment server comprising at least one processor configured to:

upfront;

register payment credentials of an associated user with a cloud payment service provided at least in part, by the server, wherein participating merchants are also registered;

at check-in of a store of a participating merchant;

establish connectivity with and log in a cloud payment application of an associated mobile terminal of said user;

and at check-out;

identify said user through an identification received from an associated electronic cash register of one of said participating merchants or from said cloud payment application;

receive an amount payable from said electronic cash register;

communicate said amount payable to said logged in cloud payment application according to the identification;

receive confirmation of said amount payable from said user through said logged in cloud payment application;

obtain payment authorization by using said payment credentials; and

confirm payment to said electronic cash register;

wherein being configured to identify said user comprises being configured to identify said user via at least one of a basket ID and a loyalty ID;

wherein being configured to identify said user via said basket ID comprises being configured to receive a basket ID from said electronic cash register, said basket ID being an identification code for a single payment procedure at said participating merchant and to also receive said basket ID from said logged in cloud payment application thereby identifying said user as associated with said single payment procedure; and

wherein being configured to identify said user via said loyalty ID comprises being configured to register said payment credentials by including an association of said payment credentials with said loyalty ID and wherein being configured to receive said amount payable further comprises being configured to received said loyalty ID from said electronic cash register, thereby identifying said user to said cloud payment service.

9. A non-transient computer readable medium carrying instructions which when executed by at least one processor of a mobile device cause the mobile device to provide a cloud payment application, said cloud payment application being configured to:

establish connectivity with and log into a cloud payment server of an associated cloud payment service;

and at check-out;

identify a user of said mobile device to said cloud payment server;

receive an amount payable from an associated electronic cash register or said user;

receive said amount payable from said logged in cloud payment service according to the identification;

provide confirmation of said amount payable to said cloud payment server;

wherein being configured to identify said user comprises at least being configured to receive a basket ID directly or indirectly from said electronic cash register, said basket ID being an identification code for a single payment procedure at said participating merchant and to also receive said basket ID from said logged in cloud payment application, thereby confirming said user as associated with said single payment procedure, and communicate said confirmation to said cloud payment server.