US20100131347A1 - Electronic payment system using mobile wireless communications device and associated methods - Google Patents
Electronic payment system using mobile wireless communications device and associated methods Download PDFInfo
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- US20100131347A1 US20100131347A1 US12/572,687 US57268709A US2010131347A1 US 20100131347 A1 US20100131347 A1 US 20100131347A1 US 57268709 A US57268709 A US 57268709A US 2010131347 A1 US2010131347 A1 US 2010131347A1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/326—Payment applications installed on the mobile devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
- G06Q30/0233—Method of redeeming a frequent usage reward
Abstract
Description
- This application is based upon prior filed copending provisional application Ser. No. 61/117,516 filed Nov. 24, 2008, the entire subject matter of which is incorporated herein by reference in its entirety.
- The present disclosure relates to the field of electronic payment systems and, more particularly, to the use of a mobile wireless communications device to facilitate an electronic payment at a point-of-sale.
- Consumers in mobile societies may carry a variety of personal possessions, such as keys, wallets, credit cards, loyalty cards, gift cards, coupons, money clips, and electronic devices. In particular, many consumers carry a mobile wireless communications device, such as a cellular telephone. One way to reduce this clutter of personal possessions is to reduce the number of items typically carried in a wallet, or to eliminate the wallet altogether.
- Since many mobile wireless communications devices also function as PDA's (Personal Digital Assistants) and have connectivity with the Internet, it may be desirable to facilitate payment for goods and services with a consumer's mobile wireless communications device rather than with cash, checks, or credit/debit cards.
- Accordingly, a desire exists for an electronic payment system that may not require a hardware upgrade of existing point of sale devices, safeguards a user's privacy, and allows easy modification of purchase amounts.
-
FIG. 1 is a schematic block diagram of an electronic payment system according to the present disclosure. -
FIG. 2 is a schematic block diagram of an alternate embodiment of an electronic payment system according to the present disclosure. -
FIG. 3 is a schematic block diagram of a further embodiment of an electronic payment system including an external server, according to the present disclosure. -
FIG. 4 is a schematic block diagram of a further embodiment of an electronic payment system, according to the present disclosure. -
FIG. 5 is a schematic block diagram of an embodiment of an electronic payment system wherein the point-of-sale device is an other mobile wireless communications device, according to the present disclosure. -
FIG. 6 is a schematic block diagram of a further embodiment of an electronic payment system wherein the point-of-sale device is an other mobile wireless communications device, according to the present disclosure. -
FIG. 7 a schematic block diagram of an embodiment of an electronic payment system including a merchant server, according to the present disclosure. -
FIG. 8 is a schematic block diagram of an embodiment of an electronic payment system including a merchant server and a computer, according to the present disclosure. -
FIG. 9 is a flowchart of a method of operating the mobile wireless communications device ofFIG. 1 . -
FIG. 10 is a flowchart of a method of operating the payment processor server ofFIG. 1 . -
FIG. 11 is a schematic block diagram illustrating exemplary components of a mobile wireless communications device that may be used with the electronic payment system disclosed inFIGS. 1-10 . - The present description is made with reference to the accompanying drawings, in which various embodiments are shown. However, many different embodiments may be used, and thus the description should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete. Like numbers refer to like elements throughout.
- Generally speaking, an electronic payment system is for a point-of-sale (POS) device to transfer funds from a purchaser account to a merchant account. The POS device may be configured to send a merchant transaction identification (ID) and transaction information. The electronic payment system may include a mobile wireless communications device configured to send a purchaser transaction ID and purchaser account access information.
- A payment processor server may be configured to receive the purchaser transaction ID and purchaser account access information, and may be further configured to send the transaction information to said mobile wireless communications device if the merchant transaction ID matches the purchaser transaction ID.
- The mobile wireless communications device may also be configured to send confirmation of the transaction information to said payment processor server. The payment processor server may also be configured to effect a transfer of funds from the purchaser account to the merchant account based upon the confirmation of the transaction information and the purchaser account access information.
- The POS device may comprise an other mobile wireless communications device. The POS device may be configured to send the merchant transaction ID and transaction information to a point-of-sale (POS) service provider server. The payment processor server may be configured to receive the merchant transaction ID and transaction information via the point-of-sale (POS) service provider server.
- The payment processor server may be configured to effect the transfer of funds by sending the transaction information and the purchaser account access information to a point-of-sale (POS) service provider server. The payment processor server may also be configured to send completed transaction information, based upon the transfer of funds, to the POS device and said mobile wireless communications device.
- The transaction information may comprise a merchant identifier and a transaction amount. The mobile wireless communications device may comprises a display configured to display the transaction amount and at least one input device configured to alter the transaction amount.
- The purchaser account may comprise a plurality of user accounts, and the mobile wireless communications device may include a display configured to display the plurality of user accounts. The at least one input device may be configured to select the purchaser account from among the plurality of user accounts.
- The purchaser account may be at least one of a gift card account, a credit card account, a loyalty account, and a bank account. The mobile wireless communications device and the POS device may communicate with said payment processor server via an encrypted Internet connection.
- A method aspect is directed to a method of operating a payment processing server to transfer funds from a purchaser account to a merchant account. The method may include receiving a purchaser transaction identification (ID) and purchaser account access information from a mobile wireless communications device. The method may further include receiving a merchant transaction ID and transaction information from a point-of-sale (POS) device.
- The transaction information may be sent to the mobile wireless communications device if the merchant transaction ID matches the purchaser transaction ID. Confirmation of the transaction information may be received from the mobile wireless communications device. A transfer of funds may be effected from the purchaser account to the merchant account based upon the confirmation of the transaction information and the purchaser account access information.
- With reference to
FIG. 1 , an electronic payment system 5 is now described. The electronic payment system 5 includes a mobile wireless communications device 6 operating over a wireless network (not shown), a payment processor server 7, a point-of-sale (POS) service provider server 8, and a point-of-sale (POS)device 9. The mobile wireless communications device 6 may be any device capable of wireless communication, such as cellular phone, a smartphone, a media player, a netbook, a laptop, or a personal digital assistant (PDA). In addition, the wireless network may comprise a cellular network and may employ at least one cellular protocol, such as Global System for Mobile Communications (GSM) or Code Division Multiple Access (CDMA). The wireless network may additionally or alternatively comprise a wireless data network employing a wireless protocol, such as Wi-Fi or WiMAX. Whether cellular or data based, the wireless network provides connectivity with a WAN, such as the Internet. - The
POS device 9 is illustrated as a POS terminal, but may be other devices, as will be appreciated by those skilled in the art (and explained in further detail below). ThePOS device 9 may be a POS terminal as known to those of skill in the art, for example of the type manufactured and sold by Global Payments Inc. (Atlanta, Ga.). Indeed, the use ofexisting POS terminals 9 may be advantageous in certain embodiments, as purchase of new hardware to equip stores to use the electronic payment system 5 may not be necessary. Rather, new computer executable modules loaded into a memory of thePOS terminal 9 to be executed by a processor thereof may upgrade the POS terminal to work with the electronic payment system 5. - The financial institution server 10 is a server maintained by a financial institution, such as a clearinghouse, a bank, or credit card processor, and is for transferring money between various accounts. For example, the financial institution server 10 may transfer funds from a user account to a merchant account. The POS service provider server 8 acts as an intermediary between the
POS terminal 9 and the financial institution server 10. - The payment processor server 7 may be a computer, illustratively including a
processor 23 and acommunications interface 24 cooperating therewith. Theprocessor 23 andcommunications interface 24 cooperate and are configured to perform the functions that will be described in detail below. - The mobile wireless communications device 6 may communicate with the payment processor server 7 via a WAN, such as the
Internet 25. This WAN connection may be encrypted on unencrypted, and may be a Virtual Private Network (VPN), for example. The payment processor server 7 may communicate with the POS service provider server 8 via an encrypted or unencrypted WAN as well. ThePOS terminal 9 may communicate with the POS service provider server 8 via an encrypted or unencrypted WAN. The POS service provider server 8 may also communicate with thePOS terminal 9 via a WAN. - It should also be understood that the mobile wireless communications device 6, payment processor server 7,
POS terminal 9, POS provider server 8, and financial institution server 10 may each encrypt some, or all of, the data they communicate to each other. This provides additional security and helps keep user information secret. - Although the payment processor server 7 and the POS provider 8 are illustrated as separate servers, those of skill in the art will appreciate that in an alternative implementation, the functionalities of both may be combined in one server (as depicted in
FIG. 4 ), reducing the number of communications sent and received during the operation of the payment processor system 5, and also time required to complete them. - The electronic payment system 5 may be activated by a user of either the mobile wireless communications device 6 or the
POS terminal 9. If a user of the mobile wireless communications device 6 activates the electronic payment system 5, an electronic payment function of the mobile wireless communications device is initiated. After activation of the electronic payment function, the mobile wireless communications device 6 autonomously generates (shown by arrow 11) a unique purchaser transaction identification (purchaser transaction ID) and communicates it via the wireless network to the associated payment processor server 7. - The purchaser transaction ID is an identification number used assigned to a specific transaction between the user and the merchant. In order to enhance the uniqueness of this ID, a combination of the unique device ID and a randomly generated number may be used. The purchaser transaction ID may include numbers, letters, and combinations thereof. In addition, the purchaser transaction ID may include symbols or be represented as a barcode (e.g. a 2-D barcode) to be read by a bar code reader at the
POS device 9. - Alternatively (not shown in the diagram of the payment processor system 5) the payment processor server 7 may assign the unique purchaser transaction ID to the mobile wireless communication device 6 based on a request communicated by or on behalf of the mobile wireless communication device. Geographic categorization codes, which are based on location information generated by the mobile wireless communications device 6, may also be included in the purchaser transaction ID to reduce the number of the symbols to save bandwidth.
- To increase system security, this unique purchaser transaction ID may have a life-time that is adjusted by payment system 5 (e.g. the purchaser transaction ID may expire in 10 minutes) and may also become void once used. The mobile wireless communications device 6 may additionally send a device ID (not shown) to the payment processor server 7 that the payment processor server may use to recognize the mobile wireless communications device. The payment processor server 7 does not send the device ID to the
POS terminal 9, thereby shielding the device ID and preserving the privacy of the mobile wireless communications device 6 from the merchant and POS service provider server 8. - This unique purchaser transaction ID is then communicated (shown by arrow 12) to the
POS terminal 9. This communication may be via a wired or wireless connection. Alternatively, the purchaser transaction ID may be manually entered into thePOS terminal 9 via a keypad or using another input device of thePOS terminal 9 such as a barcode reader (not shown), in the case where a barcode representation of the purchaser transaction ID is displayed on the display of the mobile wireless communications device 6. - The
POS terminal 9 may be a POS terminal as known to those of skill in the art, for example of the type manufactured and sold by Global Payments Inc. (Atlanta, Ga.). Indeed, the use of existingPOS terminals 9 may be advantageous in certain embodiments, as purchase of new hardware to equip stores to use the electronic payment system 5 may not be necessary. Rather, new computer executable modules loaded into a memory of thePOS terminal 9 to be executed by a processor thereof may upgrade the POS terminal to work with the electronic payment system 5. This upgrade may be also performed remotely via a wired or wireless connection to the POS Service Provider 8. - The
POS terminal 9 then sends (shown by arrow 13) a merchant transaction ID (originally generated by the mobile wireless communications device 6 as the purchaser transaction ID and then communicated to the POS terminal 9) together with transaction information to the POS Service Provider Server 8 where it is forwarded to the payment processor server 7 (shown by arrow 14). The transaction information may include the amount of the bill, the time, the store's name and location, and the merchant's ID in the POS system, for example. - If the payment processor server 7 has received a purchaser transaction ID and a merchant transaction ID that match, the electronic payment process will continue. Otherwise, the payment processor server 7 sends a transaction failure message (not shown) to the mobile wireless communications device 6 directly, and to the
POS terminal 9 via the POS service provider server 8. - After receiving a matching purchaser transaction ID and merchant transaction ID, and receiving the transaction information from the
POS terminal 9, the payment processor server 7 sends (shown by arrow 15) the transaction information to the mobile wireless communications device 6 over the wireless network. The mobile wireless communications device 6 displays the transaction information and requests verification of the transaction via an input device, if requested by financial institution regulations. - Modification of the transaction amount may be possible at this time. For example, the mobile wireless communications device 6 may display “Joe's Restaurant—$50.” A tip may then be added, bringing the total to $57.50 for example, and the transaction may be verified.
- At this point, the mobile wireless communications device 6 may display the purchaser account information to the user (buyer). When the transaction is verified and a payment account is selected, the mobile wireless communications device 6 sends (shown by arrow 16) a transaction verification and account access information for a purchaser account to the payment processor server 7 over the wireless network.
- The access information may include information to enable access to one or more accounts from which to pay the merchant. Such accounts may comprise bank accounts, credit card accounts, or even gift card accounts. Payment may be selected from one account or a combination of accounts from a list of accounts on the mobile wireless communications device 6. In this case, a desired amount can be selected from each account to total the total purchase price. Also, gift cards or electronic coupons from a list on the mobile wireless communications device 6 may be used.
- If a selected account is a checking account that may be accessed via a debit card, the mobile wireless communications device 6 may prompt the user to enter the pin number that corresponds to the debit account, and the account access information may then include the pin number. If multiple accounts are selected, account access information from each account may be sent by the mobile wireless communications device 6 to the payment processor server 7 in one transmission.
- The payment processor server 7 then sends (shown by arrow 17) the account access information (for one or more accounts) to the POS service provider server 8. The transaction information and access information are next sent (shown by arrow 18) to the appropriate financial institution server 10 by the POS provider 7. In the case that payment is to be from multiple user accounts, the POS server 7 may send multiple transmissions containing transaction information and account access information to different financial institutions to validate a payment made from multiple user accounts.
- The financial institution server 10 effectuates the transfer of funds from the user account(s) to the merchant's account. When the transfer is complete, the financial institution server 10 sends (shown by arrow 19) completed transaction information to the POS provider 7. The completed transaction information may include not only a message indicating that the transfer was successful, but also an authorization number, time and date stamp, and other relevant information. Next, the POS service provider server 8 communicates (shown by
arrows 20, 22) the completed transaction information to both thePOS terminal 9 and the payment processor server 7, which in turn communicates (shown by arrow 21) the completed transaction information to the mobile wireless communications device 6. At this point, thePOSe terminal 9 may print a paper receipt to present to the user (buyer). Also, the mobile wireless communications device 6 may record a payment log for user records or to be used later by financial software. - If a problem is encountered during processing of the transaction, the financial institution server 10 may send an error message to the payment processor server 7 via the POS service provider server 8. Error messages may be sent to merchant or user (buyer) accordingly.
- Those of skill in the art will recognize that the electronic payment system 5 may instead be initiated by a merchant. In such a case, an electronic payment function is initiated on the
POS terminal 9. ThePOS terminal 9 then generates a unique merchant transaction ID and sends (shown by arrow 13) it to the POS service provider server 8, and then to the payment processor server 7 (shown by arrow 14) together with the transaction information. The merchant transaction ID is then communicated (shown by arrow 12) from thePOS terminal 9 to the mobile wireless communications device 6. This communication may be via a wired or wireless connection. Alternatively, the merchant transaction ID may be manually entered into the mobile wireless communications device 6. The mobile wireless communications device 6 sends a purchaser transaction ID based upon the merchant transaction ID to the payment processor server 7 (shown by arrow 11). The remainder of the transaction proceeds the same as with a customer initiated payment, explained above. - The mobile wireless communications device 6 may store customer reward card information and may modify that customer reward card information based upon the transaction information. For example, the customer reward card information may include reward points earned for each dollar spent at a certain merchant. If the mobile wireless communications device 6 is used to pay at the corresponding merchant, a number of reward points that correspond to the amount spent (in the transaction information) may be added to the customer reward card information after receipt of the completed transaction information from the financial institution server 10.
- With reference to the
flowchart 30 ofFIG. 10 , a method of operating the mobile wireless communications device is now described. After the start (Block 31), a purchaser transaction ID is generated (Block 32). Next, purchaser transaction ID is sent to the payment processor server (Block 33). Then, the purchaser transaction ID is communicated to the POS terminal (Block 34). Transaction information is then received from the payment processor server (Block 35). - If the transaction is verified via user input (Block 36), transaction verification information and account access information is sent to the payment processor server (Block 37). If the transaction is not verified, the method ends (Block 39). One the transaction is effectuated, completed transaction information is received from the payment processor server (Block 38).
Block 39 indicates the end of the method. - With reference to the
flowchart 40 ofFIG. 10 , a method of operating the payment processor server is now described. After the start (Block 41), the purchaser transaction ID is received from the mobile wireless communications device (Block 42). Next, the merchant transaction ID and transaction is received from the POS service provider server (Block 43). AtBlock 44, if the purchaser transaction ID and the merchant transaction ID match, the transaction information is sent to the mobile wireless communications device (Block 45), and if the purchaser transaction ID and the merchant transaction ID do not match, the method ends (Block 50). - A transaction verification and account access information is received from the mobile wireless communications device (Block 46). The account access information is then sent to the POS service provider server (Block 47). After the transaction is effectuated, completed transaction information is received from the POS service provider server (Block 48). The completed transaction information is then sent to the mobile wireless communications device (Block 49).
Block 50 indicates the end of the method. - As explained above, in some applications, the user account may be a gift card account, a retailer owned credit card account, a prepaid accounts, a buyer may use an electronic coupon, or a loyalty cards may be involved either for earning or redeeming points. An embodiment addressing such a situation is now described with reference to
FIG. 2 . - Here, the
payment processor system 105 lacks a financial institution server. Instead, the functionalities previously provided by a financial institution server are now provided by the POSservice provider server 108. That is, thePOS service provider 108 now stores the account information, transfers the funds from the user account to the merchant account, and generates completed transaction information to be sent to the payment processor server. - As an example, here, the POS
service provider server 108 has gift card user account information stored thereon. After receiving (shown by arrow 117) the transaction information and access information, the POSservice provider server 108 transfers funds from the gift card account to the merchant's account, and sends (shown by arrow 120) completed transaction information to thepayment processor server 107, where it is forwarded to the mobilewireless communications device 106, which may keep a local record of gift card remaining value. This gift card system provides an easy way to add to (top-up) a gift card value via thepayment processing system 105. - In some applications, the gift card user account information is additionally or alternatively stored on the mobile
wireless communications device 106. In this case, the POSservice provider server 108 still effectuates the transfer of funds from the gift card account to the merchant's account, but does so by sending instructions to the mobilewireless communications device 106 through thepayment processor server 107. - Those other elements not specifically mentioned are similar to the elements described above with reference to
FIG. 1 . Accordingly, those other elements require no further description herein. - Making reference now to
FIG. 3 , a further embodiment of apayment processor server 205 for use when the user account comprises a gift card account, a retailer owned credit card account, a prepaid accounts, an electronic coupon, or a loyalty card is now described. Here, anexternal server 225 takes the role of the financial institution server. Theexternal server 225 stores the account information, transfers the funds from the user account to the merchant account, and generates completed transaction information to be sent to thepayment processor server 207. - Those other elements not specifically mentioned are similar to the elements described above with reference to
FIG. 1 . Accordingly, those other elements require no further description herein. - Referring now to
FIG. 4 , yet another embodiment of thepayment processor system 305 for use when the user account comprises a gift card account, a retailer owned credit card account, a prepaid accounts, an electronic coupon, or a loyalty card is now described. Here, thepayment processor server 307 takes the role of the financial institution server and the POS service provider is not present. Thepayment processor server 307 stores the account information, transfers the funds from the user account to the merchant account, and generates completed transaction information to be sent to the payment processor server. - Those other elements not specifically mentioned are similar to the elements described above with reference to
FIG. 1 . Accordingly, those other elements require no further description herein. - An embodiment wherein the
POS device 409 comprises an other mobile wireless communications device is now described with reference toFIG. 5 . Here, the other mobilewireless communications device 409 acts as any of the POS devices, and with any of the embodiments, as described above. This advantageously allows thepayment processor system 405 to be used at any location and not merely at fixed POS terminals. For example, a deliveryman may use thepayment processor system 405 including the other mobilewireless communications device 409 to accept payment from a customer at the customer's residence or place of business. - Such a
payment processor system 405 may alleviate customer concern about communicating a credit card or account access number over a telephone, for example, when ordering delivery of a product (such as food), as an exchange of that credit card number or account access information between the customer and merchant may not take place. Thispayment processor system 405 may also be used by package deliverymen to accept a cash-on-delivery (COD) payment, for example, or by owners, employees, or agents of any business seeking a mobile payment processor solution. - Those other elements not specifically mentioned are similar to the elements described above with reference to
FIGS. 1-4 . Accordingly, those other elements require no further description herein. - Referring now to
FIG. 6 , a further embodiment of thepayment processor system 505 for use when the user account comprises a gift card account, a retailer owned credit card account, a prepaid accounts, an electronic coupon, or a loyalty card is now described. Here, thepayment processor server 507 takes the role of the financial institution server and the POS service provider is not present. Further, the POS device comprises another mobilewireless communications device 509. Thepayment processor server 507 stores the account information, transfers the funds from the user account to the merchant account, and generates completed transaction information to be sent to the payment processor server. - Those other elements not specifically mentioned are similar to the elements described above with reference to
FIG. 1-5 . Accordingly, those other elements require no further description herein. - A further embodiment of the
payment processor system 605 wherein amerchant server 631 performs the functions of the POS device (described above), and apayment gateway 632 performs the functions of the POS service provider, is now described with reference toFIG. 7 . As stated, in this embodiment, amerchant server 631 takes the place of the POS device (i.e. it receives a purchaser transaction ID or generates a merchant transaction ID, sends transaction information and the purchaser/merchant transaction ID, and received completed transaction information). In addition to taking the place of the POS device, themerchant server 631 also accepts a user's order of goods and/or services placed using the mobilewireless communications device 606, for example via a web page. Themerchant server 631 may host the web page, or it may communicate with a web server that hosts the web page. - Those skilled in the art will understand that the
merchant server 631 may accept a user's order of goods and/or services in other suitable fashions as well. Further, it should be appreciated that, in the illustrated embodiment, themerchant server 631 and the mobilewireless communications device 606 may communicate the purchaser or merchant transaction ID to each other directly (shown by arrow 612), for example via theInternet 25. Thispayment processor system 605 advantageously allows a user to purchase goods/or service from themerchant server 631 without having to directly communicate his account information thereto, increasing security. - Those other elements not specifically mentioned are similar to the elements described above with reference to
FIGS. 1-4 . Accordingly, those other elements require no further description herein. - In another similar embodiment of the
payment processor system 705 shown inFIG. 8 , the mobilewireless communications device 706 and themerchant server 731 may not directly communicate. Here, a computer 730 (such as a PC or laptop) communicates with themerchant server 731. A user places his order for goods and/or services from themerchant server 731 via thecomputer 730. When payment is to be made, the user may instruct thecomputer 730 to ask themerchant server 731 to generate a merchant transaction ID to thereby start the payment processing. In this case, themerchant server 731 communicates the merchant transaction ID to the computer 730 (shown by arrow 732). The user may then manually enter the merchant transaction ID into the mobilewireless communications device 706, and the payment processing may then proceed as described above. - Alternatively, the
payment processor system 705 may be initiated on the mobilewireless communications device 706 and the purchaser transaction ID generated thereby may be sent to themerchant server 731 via the computer 730 (for example, the user may enter the purchaser transaction ID into the computer). - This
payment processor system 705 advantageously provides a quick and secure way for online shopping to take place, since a user's account information may not be directly communicated to themerchant server 731. Those other elements not specifically mentioned are indicated with prime notation and are similar to the elements described above with reference toFIGS. 1-7 . Accordingly, those other elements require no further description herein. - Exemplary components of a hand-held mobile
wireless communications device 1000 that may be used in accordance with the electronic payment system 5 are further described in the example below with reference toFIG. 11 . Thedevice 1000 illustratively includes ahousing 1200, akeypad 1400 and anoutput device 1600. The output device shown is adisplay 1600, which may comprise a full graphic LCD. In some embodiments,display 1600 may comprise a touch-sensitive input and output device. Other types of output devices may alternatively be utilized. Aprocessing device 1800 is contained within thehousing 1200 and is coupled between thekeypad 1400 and thedisplay 1600. Theprocessing device 1800 controls the operation of thedisplay 1600, as well as the overall operation of themobile device 1000, in response to actuation of keys on thekeypad 1400 by the user. In some embodiments,keypad 1400 may comprise a physical keypad or a virtual keypad (e.g., using a touch-sensitive interface) or both. - The
housing 1200 may be elongated vertically, or may take on other sizes and shapes (including clamshell housing structures). Thekeypad 1400 may include a mode selection key, or other hardware or software for switching between text entry and telephony entry. - In addition to the
processing device 1800, other parts of themobile device 1000 are shown schematically inFIG. 11 . These include acommunications subsystem 1001; a short-range communications subsystem 1020; thekeypad 1400 and thedisplay 1600, along with other input/output devices memory devices other device subsystems 1201. Themobile device 1000 may comprise a two-way RF communications device having voice and data communications capabilities. In addition, themobile device 1000 may have the capability to communicate with other computer systems via the Internet. - Operating system software executed by the
processing device 1800 may be stored in a persistent store, such as theflash memory 1160, but may be stored in other types of memory devices, such as a read only memory (ROM) or similar storage element. In addition, system software, specific device applications, or parts thereof, may be temporarily loaded into a volatile store, such as the random access memory (RAM) 1180. Communications signals received by the mobile device may also be stored in theRAM 1180. - The
processing device 1800, in addition to its operating system functions, enables execution ofsoftware applications 1300A-1300N on thedevice 1000. A predetermined set of applications that control basic device operations, such as data andvoice communications 1300A and 1300B, may be installed on thedevice 1000 during manufacture. In addition, a personal information manager (PIM) application may be installed during manufacture. The PIM may be capable of organizing and managing data items, such as e-mail, calendar events, voice mails, appointments, and task items. The PIM application may also be capable of sending and receiving data items via a wireless network 1401. The PIM data items may be seamlessly integrated, synchronized and updated via the wireless network 1401 with the device user's corresponding data items stored or associated with a host computer system. - Communication functions, including data and voice communications, are performed through the
communications subsystem 1001, and possibly through the short-range communications subsystem. Thecommunications subsystem 1001 includes areceiver 1500, atransmitter 1520, and one ormore antennas communications subsystem 1001 also includes a processing module, such as a digital signal processor (DSP) 1580, and local oscillators (LOs) 1601. The specific design and implementation of thecommunications subsystem 1001 is dependent upon the communications network in which themobile device 1000 is intended to operate. For example, amobile device 1000 may include acommunications subsystem 1001 designed to operate with the Mobitex™, Data TAC™ or General Packet Radio Service (GPRS) mobile data communications networks, and also designed to operate with any of a variety of voice communications networks, such as AMPS, TDMA, CDMA, WCDMA, PCS, GSM, EDGE, etc. Other types of data and voice networks, both separate and integrated, may also be utilized with themobile device 1000. Themobile device 1000 may also be compliant with other communications standards such as 3GSM, 3G, UMTS, 4G, etc. - Network access requirements vary depending upon the type of communication system. For example, in the Mobitex and DataTAC networks, mobile devices are registered on the network using a unique personal identification number or PIN associated with each device. In GPRS networks, however, network access is associated with a subscriber or user of a device. A GPRS device therefore utilizes a subscriber identity module, commonly referred to as a SIM card, in order to operate on a GPRS network.
- When required network registration or activation procedures have been completed, the
mobile device 1000 may send and receive communications signals over the communication network 1401. Signals received from the communications network 1401 by theantenna 1540 are routed to thereceiver 1500, which provides for signal amplification, frequency down conversion, filtering, channel selection, etc., and may also provide analog to digital conversion. Analog-to-digital conversion of the received signal allows theDSP 1580 to perform more complex communications functions, such as demodulation and decoding. In a similar manner, signals to be transmitted to the network 1401 are processed (e.g. modulated and encoded) by theDSP 1580 and are then provided to thetransmitter 1520 for digital to analog conversion, frequency up conversion, filtering, amplification and transmission to the communication network 1401 (or networks) via theantenna 1560. - In addition to processing communications signals, the
DSP 1580 provides for control of thereceiver 1500 and thetransmitter 1520. For example, gains applied to communications signals in thereceiver 1500 andtransmitter 1520 may be adaptively controlled through automatic gain control algorithms implemented in theDSP 1580. - In a data communications mode, a received signal, such as a text message or web page download, is processed by the
communications subsystem 1001 and is input to theprocessing device 1800. The received signal is then further processed by theprocessing device 1800 for an output to thedisplay 1600, or alternatively to some other auxiliary I/O device 1060. A device user may also compose data items, such as e-mail messages, using thekeypad 1400 and/or some other auxiliary I/O device 1060, such as a touchpad, a rocker switch, a thumb-wheel, track ball, or some other type of input device. The composed data items may then be transmitted over the communications network 1401 via thecommunications subsystem 1001. - In a voice communications mode, overall operation of the device is substantially similar to the data communications mode, except that received signals are output to a
speaker 1100, and signals for transmission are generated by amicrophone 1120. Alternative voice or audio I/O subsystems, such as a voice message recording subsystem, may also be implemented on thedevice 1000. In addition, thedisplay 1600 may also be utilized in voice communications mode, for example to display the identity of a calling party, the duration of a voice call, or other voice call related information. - The short-range communications subsystem enables communication between the
mobile device 1000 and other proximate systems or devices, which need not necessarily be similar devices. For example, the short-range communications subsystem may include an infrared device and associated circuits and components, or a Bluetooth™ communications module to provide for communication with similarly-enabled systems and devices. - Many modifications and other embodiments of the disclosure will come to the mind of one skilled in the art having the benefit of the teachings presented in the foregoing descriptions and the associated drawings. Therefore, it is understood that this disclosure is not to be limited to the specific embodiments disclosed, and that modifications and embodiments are intended to be included within the scope of the appended claims.
Claims (26)
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CA2686259A1 (en) | 2010-05-24 |
EP2189933A1 (en) | 2010-05-26 |
CA2686246A1 (en) | 2010-05-24 |
CA2686259C (en) | 2019-06-04 |
US20180374061A1 (en) | 2018-12-27 |
EP2189932B1 (en) | 2020-07-15 |
US20100131415A1 (en) | 2010-05-27 |
US20240086871A1 (en) | 2024-03-14 |
EP2189932A1 (en) | 2010-05-26 |
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