# US 2010/0169182 A1 · Mobile payment method and system using the same > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2010/0169182 A1 - Document ID: US20100169182A1 - Status: Published application - Kind: A1 - Application number: 12/346,806 - Filed: 2008-12-30 - Published: 2010-07-01 - Earliest claimed: 2008-12-30 - Inventors: MASIH MADANI - Web page: https://patentgrep.com/patent/US20100169182A1 ## CPC - G06Q 20/12: specially adapted for electronic shopping systems - G06Q 20/102: {Bill distribution or payments} - G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR} - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/3263: {characterised by activation or deactivation of payment capabilities} - G06Q 20/40: 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 - G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment - G06Q 40/12: Accounting - 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 ## Abstract A system and method for authenticating a payment transaction. The system includes a transaction association source for providing an association code corresponding to a payment transaction, a transaction terminal in communication with the transaction association source for initiating the payment transaction by requesting and receiving the association code from the transaction association source, and a mobile terminal in communication with the transaction association source for transmitting the association code to the transaction association source. The mobile terminal is configured to receive data of the payment transaction from the transaction association source. The mobile terminal is configured to transmit a response message to the transaction association source to confirm or cancel the payment transaction, and the transaction association source is configured to transmit an approve or cancel message to the transaction terminal in response to receiving the response message. ## Claims ### Claim 1 A system for authenticating a payment transaction comprising: a transaction association source for providing an association code corresponding to a payment transaction; a transaction terminal in communication with the transaction association source for initiating the payment transaction by requesting the association code from the transaction association source, the transaction terminal configured to receive the association code; and a mobile terminal in communication with the transaction association source for transmitting the association code received by the transaction terminal to the transaction association source, and the mobile terminal for receiving data of the payment transaction from the transaction association source, wherein the mobile terminal is configured to transmit a response message to the transaction association source to confirm or cancel the payment transaction, and the transaction association source is configured to transmit an approve or cancel message to the transaction terminal in response to receiving the response message. ### Claim 2 (depends on 1) The system of claim 1, wherein the transaction association source is configured to associate the payment transaction with a user of the mobile terminal. ### Claim 3 (depends on 2) The system of claim 2, wherein the transaction association source is in communication with an account of the user, a bank account of the user, a credit card account of the user, a debit account of the user, or a wireless service provider of the user. ### Claim 4 (depends on 1) The system of claim 1, wherein the transaction terminal comprises a point-of-sale terminal. ### Claim 5 (depends on 1) The system of claim 1, wherein the transaction terminal is configured to transmit the data of the payment transaction to the transaction association source prior to receiving the association code. ### Claim 6 (depends on 1) The system of claim 1, wherein the mobile terminal is configured to execute a software program to interact with a user of the mobile terminal and to communicate with the transaction association source by a wireless data network, and the software program is configured to transmit the association code to the transaction association source by the wireless data network. ### Claim 7 (depends on 6) The system of claim 6, wherein the software program is configured to guide the user to input the association code to the mobile terminal, display the data of the payment transaction on a display unit of the mobile terminal, request the user to enter a confirmation input to confirm or deny the payment transaction, and transmit the response message to the transaction association source in response to the confirmation input. ### Claim 8 (depends on 6) The system of claim 6, wherein the software program is configured to authenticate the user of the mobile terminal by requesting the user to enter a passcode or password. ### Claim 9 (depends on 6) The system of claim 6, wherein the software program is configured to transmit a mobile terminal identification to identify the mobile terminal to the transaction association source. ### Claim 10 (depends on 9) The system of claim 9, wherein the mobile terminal identification comprises a caller ID information, a serial number of the mobile terminal, an IP address of the mobile terminal, a MAC address of the mobile terminal, or an identification number. ### Claim 11 (depends on 1) The system of claim 1, wherein the mobile terminal is configured to establish a voice communication channel to communicate with the transaction association source, and the association code is transmitted to the transaction association source through the voice communication channel. ### Claim 12 (depends on 11) The system of claim 11, wherein the transaction association source comprises an interactive voice response (IVR) system for verbal communication with a user of the mobile terminal through the voice communication channel, wherein the IVR system guides the user to verbally communicate the association code to the IVR system, the IVR system verbally communicates the data of the payment transaction to the user, and the IVR system verbally requests the user to enter a confirmation input to confirm or deny the payment transaction. ### Claim 13 (depends on 12) The system of claim 12, wherein the IVR system is configured to authenticate the user of the mobile terminal by requesting the user to enter a passcode or password. ### Claim 14 (depends on 13) The system of claim 13, wherein the user enters the passcode or password by an input device of the mobile terminal. ### Claim 15 (depends on 13) The system of claim 13, wherein the user enters the passcode or password by verbally dictating the passcode or password to the mobile terminal. ### Claim 16 (depends on 1) The system of claim 1, wherein the association code has a variable code length. ### Claim 17 (depends on 16) The system of claim 16, wherein the variable code length is varied in accordance with a number of payment transactions handled by the transaction association source during a time interval. ### Claim 18 A method for authenticating a payment transaction, the method comprising: initiating a payment transaction at a transaction terminal by requesting an association code corresponding to the payment transaction from a transaction association source in communication with the transaction terminal; providing the association code received at the transaction terminal to a user of a mobile terminal; transmitting the association code from the mobile terminal to the transaction association source in communication with the mobile terminal; receiving data of the payment transaction from the transaction association source at the mobile terminal; confirming or denying the payment transaction by transmitting a response message from the mobile terminal to the transaction association source; and transmitting an approve or cancel message from the transaction association source to the transaction terminal in response to receiving the response message by the transaction association source. ### Claim 19 (depends on 18) The method of claim 18, wherein the transaction association source associates the payment transaction with the user of the mobile terminal. ### Claim 20 (depends on 19) The method of claim 19, wherein the transaction association source is in communication with an account of the user, a bank account of the user, a credit card account of the user, a debit account of the user, or a wireless service provider of the user. ### Claim 21 (depends on 18) The method of claim 18, wherein the transaction terminal comprises a point-of-sale terminal. ### Claim 22 (depends on 18) The method of claim 18, wherein the transaction terminal transmits the data of the payment transaction to the transaction association source prior to receiving the association code. ### Claim 23 (depends on 18) The method of claim 18, wherein the mobile terminal executes a software program to interact with the user of the mobile terminal and communicates with the transaction association source through a wireless data network, and the software program transmits the association code to the transaction association source through the wireless data network. ### Claim 24 (depends on 23) The method of claim 23, wherein the software program guides the user to input the association code to the mobile terminal, displays the data of the payment transaction on a display unit of the mobile terminal, requests the user to enter a confirmation input to confirm or deny the payment transaction, and transmits the response message to the transaction association source in response to the confirmation input. ### Claim 25 (depends on 23) The method of claim 23, wherein the software program authenticates the user of the mobile terminal by requesting the user to enter a passcode or password. ### Claim 26 (depends on 23) The method of claim 23, wherein the software program transmits a mobile terminal identification to identify the mobile terminal to the transaction association source. ### Claim 27 (depends on 26) The method of claim 26, wherein the mobile terminal identification comprises a caller ID information, a serial number of the mobile terminal, an IP address of the mobile terminal, a MAC address of the mobile terminal, or an identification number. ### Claim 28 (depends on 18) The method of claim 18, further comprising establishing a voice communication channel between the mobile terminal and the transaction association source, and transmitting the association code to the transaction association source through the voice communication channel. ### Claim 29 (depends on 28) The method of claim 28, wherein the transaction association source comprises an interactive voice response (IVR) system for verbal communication with the user of the mobile terminal through the voice communication channel, wherein the IVR system guides the user to verbally communicate the association code to the IVR system, the IVR system verbally communicates the data of the payment transaction to the user, and the IVR system verbally requests the user to enter a confirmation input to confirm or deny the payment transaction. ### Claim 30 (depends on 29) The method of claim 29, wherein the IVR system authenticates the user of the mobile terminal by requesting the user to enter a passcode or password. ### Claim 31 (depends on 30) The method of claim 30, wherein the user enters the passcode or password by an input device of the mobile terminal. ### Claim 32 (depends on 30) The method of claim 30, wherein the user enters the passcode or password by verbally dictating the passcode or password to the mobile terminal. ### Claim 33 (depends on 18) The method of claim 18, wherein the association code has a variable code length. ### Claim 34 (depends on 33) The method of claim 33, wherein the variable code length is varied in accordance with a number of payment transactions handled by the transaction association source during a time interval.