Method and system for facilitating commercial purchases
OwnerPaul Sabellainventor
Life of this patent
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Abstract
The present invention is directed to a method and system of consummating a commercial transaction between the customer and a merchant. A mobile device, such as a mobile phone would be provided with a special application allowing a customer to enter information relating to a particular purchase at a merchant's premises or, online, and then to transmit this information to an administrator for the approval of the purchase. If the purchase has been approved, this information would be transmitted in real time to both the customer's mobile device as well as to a merchant's terminal. The system and method of the present invention would be initiated by the customer and is generally wireless and can be done without the customer being physically in possession of their credit or debit card.
Claims19
A software application to be used in conjunction with a mobile communications device having a display and input device for consummating a credit/debit card purchase, the mobile communications device in remote communication with an administrator, the software application comprising:
- entering means for generating a first screen on the display, said first screen allowing a user to enter information relating to a credit/debit card purchase using the input device;
- transmission means in conjunction with the mobile communication device for sending said information relating to the credit/debit card purchase to the administrator;
- and
- receiving means for receiving an approval/disapproval response from the administrator;
- wherein the information sent from the software application to the administrator regarding the credit/debit card purchase does not include the credit/debit account number.
A method for facilitating a commercial purchase between a customer and a merchant, including the steps of:
- a) the customer applying with an administrator for registration, said registration step including at least one credit card or debit card account number provided to the administrator;
- b) approving the registration of the customer, thereby allowing the customer to utilize the administrator to approve or deny the consummation of the commercial purchase;
- c) providing the customer with a software application to be used in conjunction with a mobile communications device, or activating the software application already provided in the mobile communications device;
- d) using said software application by the customer to enter information regarding the commercial purchase, said information not including the credit card or debit card account number of the customer;
- e) sending the information entered in step d) to the administrator using the mobile communications device;
- f) determining whether the commercial purchase was approved or declined;
- and
- g) informing the customer whether the commercial purchase was approved or denied.
A system for facilitating the consummation of a commercial purchase between a customer and a merchant, comprising:
- a mobile communications device;
- a software application provided in said mobile communications device, said software application including screens allowing a customer to enter information relating to a commercial purchase, said information not including credit or debit account information of the customer;
- an administrator provided with at least one credit/debit account information of the customer, said administrator receiving said information relating to the commercial purchase entered by the customer and sent to said administrator by said mobile communications device, said administrator informing the customer whether the commercial purchase was approved or denied.
Dependencies are inferred from the claim text.