Mobile commerce authentication and authorization systems

Patent metadata

Field	Value
Publication number	US-9734495-B2
Application number	US-78972210-A
Country	US
Kind code	B2
Filing date	May 28, 2010
Priority date	Jun 2, 2009
Publication date	Aug 15, 2017
Grant date	Aug 15, 2017

Abstract

Mobile commerce authentication and authorization systems enable currently existing point-of-sale devices that are neither structurally nor systemically altered to conduct financial transactions with a customer using an access terminal across a wireless communications system. The point-of-sale devices receive an input from a payment instrument replacement, which identifies the transaction to the point-of-sale device as a transaction including an access terminal. Authentication of the user of the access terminal is achieved at least by application of position and/or location determinable features of the access terminal, the position and/or location of a point-of-sale device of a vendor or merchant where the customer seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A payment matching server may assist in processing the location data and the payment sum amount across communications network.

First claim

What is claimed is:

1. A method operational at a point-of-sale device for facilitating a payment transaction, the method comprising:
computing, by the point-of-sale device, a transaction amount;
receiving, at the point-of-sale device, an input from a payment instrument replacement that indicates a payment transaction is being performed with an access terminal and without a customer payment instrument, wherein receiving the input from the payment instrument replacement comprises reading the payment instrument replacement using a component of the point-of-sale device configured to read the customer payment instrument;
generating, by the point-of-sale device, a payment request message including the transaction amount and one or more location parameters, the payment request message comprising no customer-specific information and no account-specific information;
sending, by the point-of-sale device, the payment request message to a payment matching server;
establishing a wireless communication link with the access terminal from the point-of-sale device; and
providing, by the point-of-sale device, vendor identifying information and the transaction amount to the access terminal via the wireless communication link.

2. The method of claim 1 , wherein receiving the input comprises receiving the input excluding an identification of a customer account.

3. The method of claim 1 , wherein generating the payment request message including the transaction amount and one or more location parameters comprises generating the payment request message including one or more location parameters that include at least one of a vendor name, a vendor identifier, a vendor location or a cashier identifier.

4. The method of claim 3 , wherein the vendor identifier includes a geographical location indicating a location of the point-of-sale device.

5. The method of claim 1 , further comprising generating the payment request message to further include at least one of a transaction identifier, a transaction time or a transaction date.

6. The method of claim 1 , further comprising receiving a transaction confirmation from the payment matching server.

7. The method of claim 1 wherein sending the payment request message comprises sending the payment request message independent of an identity of a customer of the transaction.

8. The method of claim 1 , wherein the vendor identifying information includes at least one of a vendor name or a vendor identifier.

9. The method of claim 1 , wherein establishing a wireless communication link with the access terminal comprises establishing a near-field wireless communication link.

10. The method of claim 1 , wherein the payment instrument replacement comprises non-customer specific and non-account specific information that triggers the processing of the payment transaction by the point-of-sale device using the payment matching server.

11. A point-of-sale device for facilitating a payment transaction, comprising:
means for computing a transaction amount by the point-of-sale device;
means for receiving, by the point-of-sale device, an input from a payment instrument replacement when a customer requests payment by using an access terminal without a payment instrument of the customer, wherein the means for receiving the input from the payment instrument replacement comprises means for reading the payment instrument replacement using a component of the point-of-sale device configured to read the customer payment instrument;
means for generating a payment request message including the transaction amount and one or more location parameters, the payment request message comprising no customer-specific information and no account-specific information;
means for sending the payment request message to a payment matching server;
means for establishing a wireless communication link with the access terminal by the point-of-sale device; and
means for providing vendor identifying information and the transaction amount to the access terminal via the wireless communication link by the point-of-sale device.

12. The point-of-sale device of claim 11 , wherein the input indicates that the payment transaction should be performed using the payment matching server.

13. The point-of-sale device of claim 11 , wherein the input is the same for all customers.

14. The point-of-sale device of claim 11 , wherein the one or more location parameters includes at least one of a vendor name, a vendor identifier, a vendor location or a cashier identifier.

15. A machine-readable medium comprising instructions operational on a point-of-sale device for facilitating a payment transaction, which when executed by a processor causes the processor to:
receive, at the point-of-sale device, an input from a payment instrument replacement that indicates that a customer is using an access terminal for payment without a payment instrument of the customer, wherein the processor is configured to read the payment instrument replacement using a component of the point-of-sale device configured to read the customer payment instrument;
generate, at the point-of-sale device, a payment request message when the input is received, the payment request message including a transaction amount and one or more location parameters, the payment request message comprising no customer-specific information and no account-specific information;
send from the point-of-sale device the payment request message to a payment matching server;
establish a wireless communication link with the access terminal from the point-of-sale device; and
provide vendor identifying information and the transaction amount to the access terminal via the wireless communication link by the point-of-sale device.

16. The machine-readable medium of claim 15 , wherein the input is the same for all customers.

Assignees

• Rose Gregory Gordon
• Lauer Craig B
• Waltman Joan T
• Qualcomm Inc

Inventors

• Rose Gregory Gordon
• Lauer Craig B
• Waltman Joan T

Classifications

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• G06Q20/20 Primary

  Point-of-sale [POS] network systems · CPC title

• G06Q20/32 Primary

  using wireless devices · CPC title

• G06Q20/425

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

• G06Q20/202 Primary

  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 title