Systems and methods using mobile device in payment transaction
OwnerAyman Hammad, Simon Hurryinventors
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Abstract
Systems and methods for performing a payment transaction are disclosed. In the embodiments of the invention, a mobile device is used by a user to receive an identifier associated with a piece of merchandise or a service from a merchant. The user then initiates a payment transaction with a remote payment server computer hosted by a third party processor. Upon completion of the payment transaction, the remote payment server computer notifies the user and the merchant that a payment has been made. The merchant then provide the merchandise or the service to the user. In the embodiments of the invention, a payment transaction is performed without exposing or disclosing financial account information of the user to the merchant.
Claims44
A mobile device associated with a user, the mobile device comprising:
- a processor;
- a computer readable medium coupled to the processor, wherein the processor is configured to execute program code stored on the computer readable medium to implement a method comprising:
- receiving an identifier at the mobile device at a first location in a purchase transaction conducted with a merchant;
- communicating with a remote payment server computer at a second location using the mobile device of the user;
- providing the identifier to the remote payment server computer;
- and
- initiating a payment transaction by the server computer.
A method comprising:
- receiving an identifier at a mobile device of a user at a first location in a purchase transaction conducted with a merchant;
- communicating with a remote payment server computer at a second location using the mobile device of the user;
- providing the identifier to the remote payment server computer;
- and
- initiating a payment transaction by the server computer.
A method comprising:
- receiving an identifier from a mobile device of a user, wherein the identifier was provided by a merchant to the user;
- identifying a recipient of a payment using the identifier;
- performing a payment transaction on behalf of the recipient of the payment;
- and
- notifying the recipient of the payment that a payment has been made.
A method comprising:
- providing an identifier to a user;
- receiving from a remote payment server computer a notification that a payment has been made by the user, wherein the payment was associated with merchandise or a service associated with the identifier;
- and
- presenting the merchandise or service for which the payment was made to the user.
Dependencies are inferred from the claim text.