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US 2014/0180852 A1Published application
Communicating payments
OwnerShreyas Kamatinventor
Life of this patent
Estimating the term…
Abstract
For communicating payments, a mobile device reads a point-of-sale code from a point-of-sale device. A clearing house generates a payment authorization comprising an authorization code and a transaction amount. The clearing house communicates the payment authorization to the point-of-sale device. The point-of-sale device completes the transaction in response to receiving the payment authorization.
Claims20
A method for communicating payments comprising:
- receiving, by use of processor, a point-of-sale code from a point-of-sale device with a mobile device;
- generating a payment authorization in response to the point-of-sale code at a clearing house, the payment authorization comprising an authorization code and a transaction amount;
- communicating the payment authorization from the clearing house to the point-of-sale device;
- and
- completing a transaction in response to receiving the payment authorization.
2 more elements
A program product comprising a computer readable storage medium storing computer readable code executable by a processor to perform:
- receiving a point-of-sale code from a point-of-sale device with a mobile device;
- generating a payment authorization in response to the point-of-sale code at a clearing house, the payment authorization comprising an authorization code and a transaction amount;
- communicating the payment authorization from the clearing house to the point-of-sale device;
- and
- completing a transaction in response to receiving the payment authorization.
2 more elements
An apparatus comprising:
- a memory storing computer readable code executable by a processor, the computer readable code comprising:
- a transmission module reading a point-of-sale code from a point-of-sale device with a mobile device;
- a generation module generating a payment authorization in response to the point-of-sale code, the payment authorization comprising an authorization code and a transaction amount;
- and
- the transmission module communicating the payment authorization to the point-of-sale device and completing a transaction in response to receiving the payment authorization.
2 more elements
Dependencies are inferred from the claim text.