Payment card terminal for mobile phones
AssigneeTransaction Wireless, Inc.
InventorBasil Munir Abifaker
Life of this patent
Estimating the term…
Abstract
Methods and apparatus, including computer program products, for payment card terminals for mobile phones. In general, data characterizing a payment card and a settlement amount for a transaction may be received, where the data is user-generated input and is received at a mobile phone associated with a mobile phone number. Wireless transmission of data characterizing a request to provide a payment card settlement service of a merchant account of a merchant account provider for the transaction may be initiated, where the wireless transmission is to be from the mobile phone over a carrier data network to an application server. Data characterizing authorization of settlement of the transaction with the payment card may be wirelessly received by the mobile phone from the application server.
Claims21
1-26. (canceled)
A method comprising:
- receiving, by an application server, a payment request initiated by a mobile communications device of one of a plurality of merchants, the payment request specifying a transaction amount, a payment media identifier, and a mobile device identifier for a customer associated with the payment request;
- associating the payment request with a merchant account server associated with the one of the plurality of merchants;
- converting a first format of the payment request to a second format of the merchant account server;
- transmitting the converted payment request to the merchant account provider server;
- receiving an authorization result for the payment requests from the merchant account provider server;
- associating the authorization result with a mobile device of the customer based on the mobile device identifier specified in the payment request;
- and
- initiating wireless transmission of a notification confirming the authorization result to the mobile communications device.
An application server, comprising:
- a communications interface that is in communication with a plurality of mobile communications devices over at least one network, wherein each of the plurality of mobile communications devices is associated with one of a plurality of merchants;
- at least one processor;
- and
- a memory configured to store instructions that when executed by the at least one processor cause the application server to:
- receive a payment request initiated by one of the plurality of mobile communications devices, the payment request specifying a transaction amount, a payment media identifier, and a mobile device identifier for a customer associated with the payment request;
- associate the payment request with a particular merchant account server of a plurality of merchant account servers, wherein the particular merchant account server is corresponds with a particular one of the plurality of merchants associated with the one of the plurality of mobile communications devices;
- convert a first format of the payment request to a second format of the particular merchant account server;
- transmit the converted payment request to the particular merchant account provider server;
- receive an authorization result for the payment requests from the particular merchant account provider server;
- associate the authorization result with a mobile device of the customer based on the mobile device identifier specified in the payment request;
- and
- initiate wireless transmission of a notification confirming the authorization result to the one of the plurality of mobile communications devices.
A non-transitory computer-readable medium having stored thereon a series of instructions which, when executed by a processor of an application server, cause the application server to:
- receive, by an application server, a payment request initiated by a mobile communications device of one of a plurality of merchants, the payment request specifying a transaction amount, a payment media identifier, and a mobile device identifier for a customer associated with the payment request;
- associate the payment request with a merchant account server associated with the one of the plurality of merchants;
- convert a first format of the payment request to a second format of the merchant account server;
- transmit the converted payment request to the merchant account provider server;
- receive an authorization result for the payment requests from the merchant account provider server;
- associate the authorization result with a mobile device of the customer based on the mobile device identifier specified in the payment request;
- and
- initiate wireless transmission of a notification confirming the authorization result to the mobile communications device.
Dependencies are inferred from the claim text.