Authorizing a purchase transaction using a mobile device
US10417635B1 · kind B1 · utility
Assignee
Inventor
Key dates
| Filing date | Jan 27, 2014 |
| Grant date | Sep 17, 2019 |
| Priority date | — |
| Expiry date | Jan 27, 2034 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/4012
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Various embodiments are related to apparatuses and methods for authorizing a purchase transaction using a mobile device. A consumer can pay for a purchase from a seller using a payment object such as a credit card or automated teller machine (ATM) card. The credit card or ATM card can be swiped through a card reader that is part of the seller's sales system, and the sales system can transmit the purchase transaction to a financial system for approval. The consumer can use a mobile device such as a smartphone, instead of the seller's keypad or signature pad, to electronically capture a signature or personal identification number (PIN) as part of the consumer's authorization of the purchase transaction. The consumer can further use the mobile device to review line items of the purchase transaction or to add a tip amount to the total amount of the purchase transaction.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.