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US 10,475,031 B2Granted
Conducting secure retail transactions using a mobile wallet system
AssigneeTarget Brands, Inc.
InventorsKevin Mun Weng Cheong, Andrew Wind
Life of this patent
Estimating the term…
Abstract
A mobile payment system for a retail environment enables customers to securely use their mobile device to pay for goods purchased at a point-of-sale (POS) system, regardless of whether the mobile device has cellular service or is connected to a network.
Claims20
A method of conducting a secure retail transaction using a mobile device, the method comprising:
- (a) receiving personal information and payment information from a user to establish a mobile wallet account, and storing the personal information and payment information in a server computer separate from the mobile device;
- (b) associating a mobile wallet application downloaded to the mobile device with the mobile wallet account;
- (c) providing a link in the mobile wallet application for the user to request the mobile wallet application to generate a barcode for an impending retail transaction;
- (d) processing user-selected items for purchase at a point-of-sale (POS) terminal;
- (e) the mobile wallet application generating the barcode in response to the user selecting the link in step (c) and displaying the barcode on a display of the mobile device, the barcode identifying the mobile wallet account associated with the user;
- (f) scanning the barcode at the POS terminal;
- and
- (g) the POS terminal accessing the mobile wallet account based on information decrypted from the barcode and processing a payment for the user-selected items,
- wherein step (e) is practiced by generating a server barcode when the mobile device is connected to a network and by generating a local barcode when the mobile device is not connected to a network.
6 more elements
A mobile wallet system for conducting secure transactions using a mobile device, the mobile wallet system comprising:
- a server computer running a server program;
- an account module residing on the server computer that defines parameters for a mobile wallet account, the account module storing personal information and payment information from a user;
- an application module residing on the server computer that defines a mobile wallet application for download to a mobile device having a display, the server computer linking the mobile wallet application with the mobile wallet account, where the mobile wallet application is configured to provide a link for the user to request the mobile wallet application to generate a barcode for an impending retail transaction;
- and
- a point-of-sale (POS) terminal interconnected with the server computer over a global network, the POS terminal including a scanner for processing user-selected items for purchase,
- wherein the mobile wallet application is configured to display a barcode in response to the user selecting the link, the barcode comprising data structure that identifies the mobile wallet account associated with the user,
- wherein the POS terminal is configured to access the mobile wallet account based on information decrypted from the barcode and to process a payment for the user-selected items,
- wherein the mobile wallet application is configured to request the server computer to generate the barcode as a server barcode when the mobile device is connected to a network, and wherein the mobile wallet application is configured to generate the barcode as a local barcode different from the server barcode, when the mobile device is not connected to a network.
5 more elements
A computer system defining for conducting secure transactions using a mobile device, the computer system comprising:
- means for receiving personal information and payment information from a user to establish a mobile wallet account;
- means for storing the personal information and payment information in a server computer separate from the mobile device means for associating a mobile wallet application downloaded to a mobile device with the mobile wallet account;
- means for providing a link in the mobile wallet application for the user to request the mobile wallet application to generate a barcode for an impending retail transaction;
- means for generating the barcode with the mobile wallet application in response to the user selecting the link, and means for displaying the barcode on a display of the mobile device, the barcode identifying the mobile wallet account associated with the user;
- and
- means for accessing the mobile wallet account based on information decrypted from the barcode and for processing a payment,
- wherein the means for generating the barcode comprises means for generating a server barcode when the mobile device is connected to a network and for generating a local barcode when the mobile device is not connected to a network.
4 more elements
Dependencies are inferred from the claim text.