Back to results
US 10,096,019 B2Granted
Customer initiated payment method using mobile device
AssigneeAccenture Global Services Limited
InventorsRobert Hasson, Emmanuel Viale, Jeremy Light
Life of this patent
Estimating the term…
Abstract
The invention concerns a method of making a payment transaction by a customer including steps of receiving, by a mobile device (402) of the customer, merchant data; transmitting, by the mobile device to a remote server (408), a payment transaction request including the merchant data; determining, by the remote server; the identity of the customer based on the request and the identity of the merchant based on the data; and implementing the payment transaction between bank accounts of the customer and the merchant.
Claims26
A method comprising:
- capturing, by a mobile device, information associated with point of sale equipment of a merchant from the point of sale equipment;
- transmitting, by the mobile device and to a remote server, information associated with a transaction between a customer and the merchant and the information associated with the point of sale equipment;
- receiving, by the mobile device and based on the transmitted information associated with the transaction between the customer and the merchant and further based on the transmitted information associated with the point of sale equipment, information associated with processing the transaction from the remote server,
- wherein the transaction has been processed by the remote server,
- wherein the information associated with processing the transaction includes an encrypted transaction identifier that is encrypted using an encryption technique based on a secret key, stored by the point of sale equipment that is required to decrypt the encrypted transaction identifier;
- and
- transmitting, by the mobile device and to the point of sale equipment, the received information, including the encrypted transaction identifier, associated with processing the transaction,
- wherein the encrypted transaction identifier is verified by the point of sale equipment based on the encrypted transaction identifier being transmitted to the point of sale equipment, via the mobile device, and decrypted by the point of sale equipment using the secret key.
5 more elements
A device comprising:
- a memory to store instructions;
- a first communication interface;
- a second communication interface;
- and
- a processor to execute the instructions to:
- capture, via the first communication interface, information associated with point of sale equipment of a merchant from the point of sale equipment;
- transmit, via the second communication interface and to a remote server, information associated with a transaction between a customer and the merchant and the information associated with the point of sale equipment;
- receive, via the second communication interface and based on the transmitted information associated with the transaction between the customer and the merchant and further based on the transmitted information associated with the point of sale equipment, information associated with processing the transaction from the remote server,
- wherein the transaction has been processed by the remote server,
- wherein the information associated with processing the transaction includes an encrypted transaction identifier that is encrypted using an encryption technique based on a secret key, stored by the point of sale equipment, that is required to decrypt the encrypted transaction identifier;
- and
- transmit, via the first communication interface and to the point of sale equipment, the received information, including the encrypted transaction identifier, associated with processing the transaction,
- wherein the encrypted transaction identifier is verified by the point of sale equipment based on the encrypted transaction identifier being transmitted to the point of sale equipment, and decrypted by the point of sale equipment using the secret key.
10 more elements
A device comprising:
- a memory to store instructions;
- a communication interface;
- and
- a processor to execute the instructions to:
- receive, via the communication interface and from another device, information associated with point of sale equipment of a merchant from the point of sale equipment that has been captured by the other device from the point of sale equipment;
- process, using information associated with a transaction between a customer and the merchant and the received information associated with the merchant, the transaction;
- generate an encrypted transaction identifier that is encrypted using an encryption technique based on a secret key, stored by the point of sale equipment, that is required to decrypt the encrypted transaction identifier;
- and
- transmit, based on processing the transaction and to the other device, information associated with processing the transaction and the encrypted transaction identifier,
- wherein the encrypted transaction identifier is verified by the point of sale equipment based on the encrypted transaction identifier being transmitted to the point of sale equipment via the other device, and decrypted by the point of sale equipment using the secret key.
7 more elements
Dependencies are inferred from the claim text.