Rendering payments with mobile phone assistance

Patent metadata

Field	Value
Publication number	US-9508069-B2
Application number	US-201313852492-A
Country	US
Kind code	B2
Filing date	Mar 28, 2013
Priority date	Mar 28, 2013
Publication date	Nov 29, 2016
Grant date	Nov 29, 2016

Abstract

Methods and arrangements for effecting payments via a mobile phone. A purchase request is received from a merchant on behalf of a customer. A code is provided to the customer via the merchant, via a first communication path. A purchase confirmation is directly received from the customer, the purchase confirmation being prompted by provision of the code to the customer. The purchase is validated via using the purchase confirmation from the customer via a second communication path different from the first communication path. Other variants and embodiments are broadly contemplated herein.

First claim

What is claimed is:

1. A method of effecting a purchase, said method comprising:
utilizing a network connected processor to execute computer code configured to perform the steps of:
receiving a purchase request from a merchant on behalf of a customer;
providing a code to the customer via the merchant, via a merchant network, wherein the code comprises data corresponding to a customer ID and transaction ID;
receiving a purchase confirmation from the customer via a customer device network different from the merchant network, the purchase confirmation being based on the code, wherein the purchase confirmation is generated by a device of the customer after the customer has authorized the purchase using the device; and
validating the purchase using the received purchase confirmation from the customer by verifying the device that generated the purchase confirmation has been previously associated with the customer.

2. The method according to claim 1 , wherein said receiving a purchase request from a merchant on behalf of a customer further comprises receiving a customer ID.

3. The method according to claim 2 , wherein the provided code is linked to at least one of: the customer ID and information on the purchase.

4. The method according to claim 1 , wherein the purchase confirmation includes a customer ID.

5. The method according to claim 4 , wherein the purchase confirmation additionally includes an additional validation provided by the customer.

6. The method according to claim 1 , wherein said validating comprises matching a previously stored customer ID, associated with a billing account, to the customer ID in the code.

7. The method according to claim 1 , wherein said providing of a code comprises providing a visual code to be scanned by the customer.

8. The method according to claim 7 , wherein the visual code comprises a QR code.

9. The method according to claim 1 , wherein said providing of a code comprises providing a code to the customer via a merchant website.

10. The method according to claim 1 , wherein said providing of a code comprises providing a code to the customer at a point of sale location.

11. The method according to claim 1 , wherein the merchant network and the device network utilize different communication protocols.

12. An apparatus for effecting a purchase, said apparatus comprising:
at least one processor; and
a computer readable storage medium having computer readable program code embodied therewith and executable by the at least one processor, the computer readable program code comprising:
computer readable program code configured to receive a purchase request from a merchant on behalf of a customer;
computer readable program code configured to provide a code to the customer via the merchant, via a merchant network, wherein the code comprises data corresponding to a customer ID and transaction ID;
computer readable program code configured to directly receive a purchase confirmation from the customer via a customer device network different from the merchant network, the purchase confirmation being based on the code, wherein the purchase confirmation is generated by a device of the customer after the customer has authorized the purchase using the device; and
computer readable program code configured to validate the purchase using the received purchase confirmation from the customer by verifying the device that generated the purchase confirmation has been previously associated with the customer.

13. A computer program product for effecting a purchase, said computer program product comprising:
a non-transient computer readable storage medium having computer readable program code embodied therewith, the computer readable program code comprising:
computer readable program code configured to receive a purchase request from a merchant on behalf of a customer;
computer readable program code configured to provide a code to the customer via the merchant, via a merchant network, wherein the code comprises data corresponding to a customer ID and transaction ID;
computer readable program code configured to directly receive a purchase confirmation from the customer via a customer device network different from the merchant network, the purchase confirmation being based on of the code, wherein the purchase confirmation is generated by a device of the customer after the customer has authorized the purchase using the device; and
computer readable program code configured to validate the purchase using the received purchase confirmation from the customer by verifying the device that generated the purchase confirmation has been previously associated with the customer.

14. The computer program product according to claim 13 , wherein said computer readable program code is configured to receive a customer ID.

15. The computer program product according to claim 14 , wherein the provided code is linked to the customer ID.

16. The computer program product according to claim 13 , wherein the purchase confirmation includes a customer ID.

17. The computer program product according to claim 16 , wherein the purchase confirmation additionally includes an additional validation provided by the customer.

18. The computer program product according to claim 13 , wherein said computer readable program code is configured to match a previously stored the customer ID, associated with a billing account, to the customer ID in the code.

19. The computer program product according to claim 13 , wherein said computer readable program code is configured to provide a visual code to be scanned by the customer.

20. A method comprising:
receiving information on a purchase request from a customer;
providing to the customer a code related to the purchase using a first network;
accepting, from a mobile device of the customer, a confirmation associated with the provided code using a second network, wherein the confirmation is generated by the mobile device after the customer has authorized the purchase using the device;
validating the confirmation from the customer by verifying the mobile device that generated the confirmation has been previously associated with the customer; and
prompting a merchant to fulfill the purchase request.

Assignees

• IBM

Inventors

• Kumar Apurva
• Mukherjea Sougata
• Ramakrishna Venkatraman

Classifications

• G06Q20/425

  using two different networks, one for transaction and one for security confirmation · CPC title

• G06Q20/32 Primary

  using wireless devices · CPC title

• G06Q20/3276

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title

• G06Q20/326

  Payment applications installed on the mobile devices · CPC title

• G06Q20/384

  using social networks · CPC title