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US 10,769,602 B2Granted
System and method for customer initiated payment transaction using customer's mobile device and card
OwnerSoo Hyang Kanginventor
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Abstract
A system for a customer initiated payment transaction includes a mobile device of a customer, a merchant including merchant information and payment information, a multi-payment gateway, and a network. The mobile device includes a digital wallet, on which a customer may register one or more of a plurality of payment methods. Payment methods include credit card, debit card, virtual cards, cryptocurrency, and loyalty points.
Claims18
A customer-initiated payment transaction system for transacting customer-initiated payments, the system comprising:
- a mobile device of a customer, the mobile device comprising a digital wallet and a near-field communication (NFC) device;
- a multi-payment gateway affiliated with the customer;
- a network;
- a server having a database;
- and
- a multi-function device (MFD) card of the customer comprising a NFC antenna wherein the MFD card stores MFD card information corresponding to a plurality of payment methods, wherein a customer-initiated payment transaction comprises the steps of:
- the MFD card activating the digital wallet for processing the customer-initiated payment transaction wherein the mobile device receives the MFD card information from the MFD card via NFC between the MFD card and the mobile device;
- the digital wallet receiving merchant information and payment information of a merchant by the digital wallet communicating with the merchant via one of:
- NFC, the merchant further comprising a NFC tag;
- and
- quick read (QR) code scanning, the merchant further comprising a QR tag;
- the digital wallet receiving a payment method selection from the customer for payment;
- the digital wallet generating a payment authorization request based on the merchant information and the payment method selection;
- the digital wallet sending the payment authorization request to the multi-payment gateway;
- the multi-payment gateway directly or indirectly communicating to the merchant a result of the customer-initiated payment transaction;
- and
- the digital wallet receiving a result of the payment authorization request from the multi-payment gateway, wherein activating the digital wallet by the MFD card includes transferring a chip serial number of the MFD card, or a card serial number of the MFD card, from the MFD card to the mobile device,
- wherein the digital wallet is activated for processing the payment transaction if the transferred chip serial number of the MFD card or the transferred card serial number of the MFD card matches the chip serial number of the MFD card or the card serial number of the MFD card stored in the mobile device,
- wherein the merchant information is stored in the database, and wherein the mobile device obtains geolocation data of the merchant using a global positioning sensor of the mobile device and sends the geolocation data to the server, and in response, the server searches for and retrieves the merchant information corresponding to the geolocation data and sends the merchant information to the mobile device.
16 more elements
A payment transaction system for transacting payments, the system comprising:
- a mobile device of a customer, the mobile device comprising a digital wallet and a near-field communication (NFC) sensor;
- a merchant having a merchant point-of-sale device, merchant information, and payment information;
- a multi-payment gateway affiliated with the customer;
- a network;
- a server having a database;
- and
- a multi-function device (MFD) card of the customer comprising a NFC antenna wherein the MFD card stores information corresponding to a plurality of payment methods,
- wherein the mobile device receives MFD card information from the MFD card via NFC between the card and the mobile device, wherein a payment transaction comprises the steps of:
- the merchant point-of-sale device receiving the payment information;
- the MFD card activating the digital wallet for processing the payment transaction;
- the digital wallet sending customer identification to the merchant point-of-sale device;
- the multi-payment gateway receiving the merchant information and the payment information from the merchant point-of-sale device;
- the digital wallet receiving the merchant information and the payment information from the multi-payment gateway;
- and
- the digital wallet receiving a payment method selection for payment from the customer,
- wherein the digital wallet is activated for processing the payment transaction via NFC between the MFD card and the mobile device,
- wherein activating digital wallet by the MFD card includes transferring a chip serial number of the MFD card, or a card serial number of the MFD card, from the MFD card to the mobile device,
- wherein the digital wallet is activated for processing the payment transaction if the transferred chip serial number of the MFD card or the transferred card serial number of the MFD card matches the chip serial number of the MFD card or the card serial number of the MFD card stored in the mobile device,
- wherein the merchant information is stored in the database, and wherein the mobile device obtains geolocation data of the merchant using a global positioning sensor of the mobile device and sends the geolocation data to the server, and in response, the server searches for and retrieves the merchant information corresponding to the geolocation data and sends the merchant information to the mobile device.
16 more elements
Dependencies are inferred from the claim text.