Using a mobile device as a point of sale terminal
AssigneeBlaze Mobile, Inc.
InventorMichelle Fisher
Life of this patent
Estimating the term…
Abstract
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
Claims20
A method comprising:
- calculating a total purchase amount at a mobile device;
- electronically receiving purchase information including payment credentials from a user, the purchase information received by using a payment protocol at the mobile device, the payment credentials associated with a credit card, debit card, or a prepaid card, the mobile device including a mobile device display, a mobile device processor, a mobile device radio transceiver configured to support voice and data interactions through a first communication channel, a mobile device wireless fidelity (Wi-Fi) transceiver, and a mobile device memory configured to maintain an operating system platform based payment application configured to allow payment processing at a remote server and storage of banking information, wherein the payment application is registered to an owner and the payment application is a payment application installed on the mobile device;
- generating a payment authorization at the mobile device;
- wirelessly transmitting a purchase authorization request from the mobile device to a remote server to authorize payment using the payment credentials;
- and
- displaying on the mobile device display a digital artifact received from the remote server on the mobile device display.
A system comprising:
- a mobile device processor configured to calculate a total purchase amount at a mobile device;
- a mobile device input interface associated with a plurality of mobile device transceivers including a mobile device radio transceiver configured to support voice and data interactions through a first communication channel and a mobile device wireless fidelity (Wi-Fi) transceiver, the mobile device input interface configured to receive purchase information including payment credentials from a user, the purchase information received by using a payment protocol at the mobile device, the payment credentials associated with a credit card, debit card, or a prepaid card;
- a mobile device memory configured to maintain a mobile operating system platform based payment application configured to allow payment processing at a remote server and storage of banking information, wherein the payment application is registered to an owner and the payment application is a payment application installed on the mobile device, wherein a payment authorization at the mobile device;
- a mobile device output interface configured to wirelessly transmit a purchase authorization request from the mobile device to a remote server to authorize payment using the payment credentials;
- and
- a mobile device display configured to show a digital artifact received from the remote server on the mobile device display.
Dependencies are inferred from the claim text.