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US 8,219,490 B2Granted
Payment transaction using mobile phone as relay
AssigneeVisa U.S.A. Inc.
InventorsAyman Hammad, Patrick Faith
Life of this patent
Estimating the term…
Abstract
Systems and methods of conducting a payment transaction using a mobile phone as a relay. The systems and methods receive transaction information associated with a transaction at a mobile communication device from a merchant. They send the transaction information with the mobile communication device to an issuer associated with the mobile communication device. The issuer thereafter sends an authorization response message to the merchant.
Claims25
A method comprising:
- receiving transaction information associated with a transaction at a mobile communication device from a merchant;
- and
- sending the transaction information from the mobile communication device to an issuer associated with the mobile communication device, wherein sending the transaction information from the mobile communication device to the issuer includes sending the transaction information to a payment processing network, wherein the payment processing network, not the merchant network, generates an authorization request message including at least some of the transaction information and sends the authorization request message to the issuer, wherein the issuer thereafter sends an authorization response message to the merchant.
A non-transitory computer readable medium, comprising code, executable by a processor, for implementing a method comprising:
- receiving transaction information associated with a transaction at a mobile communication device from an access device at a merchant;
- and
- sending the transaction information from the mobile communication device to an issuer associated with the mobile communication device, wherein the sending the transaction information from the mobile communication device to the issuer includes sending the transaction information to a payment processing network, wherein the payment processing network, not the merchant network, generates an authorization request message including at least some of the transaction information and sends the authorization request message to the issuer, wherein the issuer thereafter sends an authorization response message to the merchant.
A phone, comprising:
- a computer readable medium comprising code, executable by a processor, for implementing a method comprising
- receiving transaction information associated with a transaction from a merchant and sending the transaction information to an issuer associated with the mobile communication device, wherein sending the transaction information from the mobile communication device to the issuer includes sending the transaction information to a payment processing network, wherein the payment processing network, not the merchant network, generates an authorization request message including at least some of the transaction information and sends the authorization request message to the issuer, wherein the issuer thereafter sends an authorization response message to the merchant;
- and
- the processor in communication with the computer readable medium.
1 more element
A method comprising:
- receiving transaction information associated with a transaction from a mobile communication device, wherein the mobile communication device received the transaction information from a merchant;
- sending the transaction information to an issuer associated with the mobile communication device, wherein sending the transaction information to the issuer includes sending the transaction information to a payment processing network, wherein the payment processing network, not the merchant network, generates an authorization request message including at least some of the transaction information and sends the authorization request message to the issuer;
- receiving an authorization response message from the issuer;
- and
- sending the authorization response message to the merchant.
2 more elements
A non-transitory computer readable medium, comprising code, executable by a processor, for implementing a method comprising:
- receiving transaction information associated with a transaction from a mobile communication device, wherein the mobile communication device received the transaction information from a merchant;
- sending the transaction information to an issuer associated with the mobile communication device, wherein sending the transaction information to the issuer includes sending the transaction information to a payment processing network, wherein the payment processing network, not the merchant network, generates an authorization request message including at least some of the transaction information and sends the authorization request message to the issuer;
- receiving an authorization response message from the issuer;
- and sending the authorization response message to the merchant.
1 more element
A server computer comprising a non-transitory computer readable medium comprising code, executable by a processor, for implementing a method comprising:
- receiving transaction information associated with a transaction from a mobile communication device, wherein the mobile communication device received the transaction information from a merchant;
- sending the transaction information to an issuer associated with the mobile communication device, wherein the sending the transaction information to the issuer includes sending the transaction information to a payment processing network, wherein the payment processing network, not the merchant network, generates an authorization request message including at least some of the transaction information and sends the authorization request message to the issuer;
- receiving an authorization response message from the issuer;
- and sending the authorization response message to the merchant.
1 more element
A method comprising:
- receiving transaction information associated with a transaction at a mobile communication device from a merchant;
- translating the transaction information into a form that is compatible with a payment processing network, wherein the payment processing network, not the merchant network, is in communication with an issuer;
- and
- sending the translated transaction information from the mobile communication device to the payment processing network, wherein the issuer thereafter sends an authorization response message to the merchant.
1 more element
A non-transitory computer readable medium, comprising code, executable by a processor, for implementing a method comprising:
- receiving transaction information associated with a transaction at a mobile communication device from a merchant;
- translating the transaction information into a form that is compatible with a payment processing network, wherein the payment processing network, not the merchant network, is in communication with an issuer;
- and
- sending the translated transaction information from the mobile communication device to the payment processing network, wherein the issuer thereafter sends an authorization response message to the merchant.
1 more element
A phone, comprising:
- a processor;
- a computer readable medium comprising code executable by the processor, for implementing a method comprising receiving transaction information associated with a transaction at a mobile communication device from a merchant, translating the transaction information into a form that is compatible with a payment processing network, wherein the payment processing network, not the merchant network, is in communication with an issuer, and sending the translated transaction information to the payment processing network, wherein the issuer thereafter sends an authorization response message to the merchant.
Dependencies are inferred from the claim text.