Systems and methods for facilitating remote authorization and payment of goods via mobile commerce

US10789585B2 · kind B2 · utility

Assignee

• FIRST DATA CORPORATION · US

Inventors

• J. Scott Sanchez · Atlanta, US
• Vijay K. Royyuru · Norristown, US
• Brent Dewayne Adkisson · Omaha, US
• Jerome Myers · Douglasville, US

Key dates

• Filing date: Sep 11, 2013
• Grant date: Sep 29, 2020
• Expiry date: Mar 4, 2034

Classification

• Technology area (CPC B): Performing Operations; Transporting
• CPC primary: B60S3/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

An on-site consumer at a merchant location can obtain payment authorization and a payment method via a mobile device and mobile application from third-party payor that is not at the merchant location. The on-site consumer can select products for purchase and receive the price from the merchant POS device. The on-site consumer can initial the mobile application and select a third-party payor. A notification can be sent to the mobile or other device of the third-party payor. The third-party payor can elect to pay or decline the request and can select a payment method via the mobile application on their device. The decision of the third-party payor and any payment method can be transmitted to the mobile device of the on-site consumer and/or the merchant POS device. After the completion of the purchase, the mobile application can transmit an electronic receipt to the mobile device of the third-party payor.