Systems and methods for payment for delivery services
AssigneeMastercard International Incorporated
InventorsTara L. Sauer, Christopher T. Scholl
Life of this patent
Estimating the term…
Abstract
An apparatus and computer-implemented electronic transaction method includes the operation of reading, via a payment-on-delivery device, a machine-readable transaction code in which transaction details of a collect-on-delivery transaction are encoded. A notification is transmitted to a consumer computing device. In addition, the transaction details are transmitted to the consumer computing device. The apparatus transmits payments details for funding the collect-on-delivery transaction to an interchange network for processing the collect-on-delivery transaction. The apparatus receives a payment authorization response message from the interchange network indicating completion of the collect-on-delivery transaction.
Claims10
A computer-implemented electronic transaction method via a payment-on-delivery device comprising a camera, a motion sensor, and a processor, the method comprising the operations of:
- detecting, by the processor using the motion sensor, the presence of the package carrier, wherein the package carrier has a package and a machine-readable transaction code;
- reading, by the processor using the camera, the machine-readable transaction code;
- extracting, by the processor, transaction details from the machine-readable transaction code, the transaction details being associated with a collect-on-delivery transaction and including an electronic record of the collect-on-delivery transaction;
- transmitting a notification, by the processor, to a consumer computing device;
- receiving, by the processor from the consumer computing device, an acknowledgement of receipt of the notification;
- transmitting, by the processor, the transaction details to the consumer computing device;
- receiving, by the processor from the consumer computing device, payment details;
- generating, by the processor, a payment authorization request message using the payment details received from the consumer computing device;
- transmitting, by the processor, the payment authorization request message to an interchange network;
- receiving, by the processor, a payment authorization response message from the interchange network;
- transmitting to a carrier mobile computing device, by the processor, a first payment completion message;
- and
- transmitting to the consumer computing device, by the processor, a second payment completion message.
A payment-on-delivery device comprising:
- a camera;
- a motion sensor;
- one or more wireless communication modules;
- a processor;
- and
- a memory device storing executable instructions that when executed by the processor cause the processor to perform the operations of:
- detecting the presence of a package carrier via said motion sensor, the package carrier having a package and a machine-readable transaction code;
- reading, via the camera, the machine-readable transaction code;
- extracting transaction details from the machine-readable transaction code, the transaction details being associated with a collect-on-delivery transaction and including an electronic record of the collect-on-delivery transaction;
- transmitting a notification, via the one or more wireless communication modules, to a consumer computing device;
- receiving, by one or more wireless communication modules from the consumer computing device, an acknowledgement of receipt of the notification;
- transmitting the transaction details to the consumer computing device;
- receiving from the consumer computing device, via the one or more wireless communication modules, payment details;
- generating a payment authorization request message using the payment details received from the consumer computing device;
- transmitting the payment authorization request message, via the one or more wireless communication modules, to an interchange network;
- receiving, via the one or more wireless communication modules, a payment authorization response message from the interchange network;
- transmitting to a carrier mobile computing device, via the one or more wireless communication modules, a first payment completion message;
- and
- transmitting to the consumer computing device, via the one or more wireless communication modules, a second payment completion message.
Dependencies are inferred from the claim text.