Mobile device payments
US11455633B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jul 31, 2019 |
| Grant date | Sep 27, 2022 |
| Priority date | — |
| Expiry date | Jul 31, 2039 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/4014
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Methods, systems, and apparatus, including computer programs encoded on computer storage media, for conducting cardless payment transactions. One of the methods includes receiving from a first device of a first user a first message requesting a payment transaction with a second user. Using an identifier of the second user provided by the first device, sending a second message to a second device of the second user requesting approval of the transaction, wherein the second message includes an approval code. A third message is received from the second device. If the third message includes the provided approval code and is received within a threshold amount of time, the payment transaction is processed using account information received in the first message.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.