# US 2014/0195363 A1 · Electronic payment processing system > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0195363 A1 - Document ID: US20140195363A1 - Status: Published application - Kind: A1 - Application number: 14/199,931 - Filed: 2014-03-06 - Published: 2014-07-10 - Earliest claimed: 2011-09-02 - Assignees: Touch Networks Pty Ltd - Inventors: Jason Andrew VAN; Adrian Xavier CLEEVE - Web page: https://patentgrep.com/patent/US20140195363A1 ## CPC - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/20: Point-of-sale [POS] network systems - 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 20/3224: {Transactions dependent on location of M-devices} - G06Q 20/405: {Establishing or using transaction specific rules} - G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment - 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 An electronic method of making a merchant payment comprising: receiving user payment request data transmitted from a mobile device, the user payment request data comprising a payment amount and a merchant identifier; checking a user record corresponding to the mobile device to determine based on at least one payment rule whether to generate merchant payment data corresponding to the payment amount of the user payment request data; and upon generating merchant payment data, transmitting the merchant payment data to a point of sale (POS) terminal corresponding to the merchant identifier. ## Claims ### Claim 1 An electronic method of making a merchant payment comprising: receiving user payment request data transmitted from a mobile device, the user payment request data comprising a payment amount and a merchant identifier; checking a user record corresponding to the mobile device to determine based on at least one payment rule whether to generate merchant payment data corresponding to the payment amount of the user payment request data; and upon generating merchant payment data, transmitting the merchant payment data to a point of sale (POS) terminal corresponding to the merchant identifier. ### Claim 2 (depends on 1) A method as claimed in claim 1, further comprising transmitting a payment confirmation message to the mobile device upon generating merchant data. ### Claim 3 (depends on 1) A method as claimed in claim 1, wherein the user payment request further comprises a terminal identifier identifying one of a plurality of POS terminals of the merchant and the method comprises transmitting the merchant payment data to the identified POS terminal. ### Claim 4 (depends on 1) A method as claimed in claim 1, comprising, upon generating merchant payment data, updating the user record to include a data entry corresponding to the payment amount, the record indicating an amount owing by the user to an entity responsible for settling the amount specified by the merchant payment. ### Claim 5 (depends on 4) A method as claimed in claim 4, comprising, upon generating merchant payment data, updating a merchant record to include a data entry corresponding to the payment amount less a commission such that the data entry defines the amount owing to the merchant by the entity responsible for settling the amount specified by the merchant payment. ### Claim 6 (depends on 1) A method as claimed in claim 1, comprising determining, responsive to receipt of the payment request, whether to communicate an offer to the mobile device. ### Claim 7 (depends on 1) A method as claimed in claim 1, comprising determining, responsive to receipt of the payment request, whether to apply an offer to the payment request. ### Claim 8 (depends on 1) A method as claimed in claim 1, comprising receiving location information transmitted from the mobile device and transmitting one or more merchant identifiers to the mobile device to enable the merchant identifier to be included in the payment request data transmitted from the mobile device. ### Claim 9 (depends on 8) A method as claimed in claim 8 comprising transmitting at least two merchant identifiers to the mobile device and receiving a selection of one of the at least two merchant identifiers at the mobile device. ### Claim 10 (depends on 8) A method as claimed in claim 8, comprising determining location information to be transmitted at the mobile device responsive to a user activating a payment module on the mobile device. ### Claim 11 (depends on 8) A method as claimed in claim 8, comprising obtaining the location information with a GPS module of the mobile device. ### Claim 12 (depends on 8) A method as claimed in claim 8, comprising obtaining the location information by performing a geolocation process at the mobile device. ### Claim 13 (depends on 1) A method as claimed in claim 1, comprising a user manually entering a merchant identifier at the mobile device. ### Claim 14 An electronic payment processing system arranged to: receive user payment request data transmitted from a mobile device, the user payment request data comprising a payment amount and a merchant identifier; check a user record corresponding to the mobile device to determine based on at least one payment rule whether to generate merchant payment data corresponding to the payment amount of the user payment request data; and upon generating merchant payment data, transmit the merchant payment data to a point of sale (POS) terminal corresponding to the merchant identifier. ### Claim 15 (depends on 14) An electronic payment processing system as claimed in claim 14, further arranged to transmit a payment confirmation message to the mobile device upon generating merchant data. ### Claim 16 (depends on 14) An electronic payment processing system as claimed in claim 14, wherein the user payment request further comprises a terminal identifier identifying one of a plurality of POS terminals of the merchant and the electronic payment processing system is arranged to transmit the merchant payment data to the identified POS terminal. ### Claim 17 (depends on 14) An electronic payment processing system as claimed in claim 14, arranged to, upon generating merchant payment data, update the user record to include a data entry corresponding to the payment amount, the record indicating an amount owing by the user to an entity responsible for settling the amount specified by the merchant payment. ### Claim 18 (depends on 17) An electronic payment processing system as claimed in claim 17, arranged to, upon generating merchant payment data, update a merchant record to include a data entry corresponding to the payment amount less a commission such that the data entry defines the amount owing to the merchant by the entity responsible for settling the amount specified by the merchant payment. ### Claim 19 (depends on 14) An electronic payment processing system as claimed in claim 14, arranged to determine, responsive to receipt of the payment request, whether to communicate an offer to the mobile device. ### Claim 20 (depends on 14) An electronic payment processing system as claimed in claim 14, arranged to determine, responsive to receipt of the payment request, whether to apply an offer to the payment request. ### Claim 21 (depends on 14) An electronic payment processing system as claimed in claim 14, arranged to receive location information transmitted from a payment module of the mobile device and transmitting one or more merchant identifiers to the mobile device to enable the merchant identifier to be included in the payment request data transmitted from the mobile device. ### Claim 22 (depends on 21) An electronic payment processing system as claimed in claim 21, arranged to transmit at least two merchant identifiers to the payment module and receiving a selection of one of the at least two merchant identifiers from the payment module of the mobile device. ### Claim 23 (depends on 21) An electronic payment processing system as claimed in claim 21, arranged to determine location information to be transmitted at the mobile device responsive to a user activating the payment module on the mobile device. ### Claim 24 (depends on 21) An electronic payment processing system as claimed in claim 21, arranged to obtain the location information with a GPS module of the mobile device. ### Claim 25 (depends on 21) An electronic payment processing system as claimed in claim 21, arranged to obtain the location information by performing a geolocation process at the mobile device. ### Claim 26 (depends on 14) An electronic payment processing system as claimed in claim 14, wherein the payment module causes a display of the module to display an input screen prompting a user to manually enter a merchant identifier at the mobile device. ### Claim 27 (depends on 14) An electronic payment processing system as claimed in claim 14, comprising a first server arranged to receive the user payment and check the user record to determine whether merchant payment data should be generated and a second server in data communication with the first server and responsive to a determination from the first server that merchant payment data should be generated to transmit merchant payment data to the POS terminal. ### Claim 28 (depends on 1) Computer program code which when executed implements the method of claim 1. ### Claim 29 (depends on 28) A tangible computer readable medium comprising the computer program code of claim 28.