Mobile device consumer interface process and system

US8744914B2 · kind B2 · utility

Assignee

• Bank of America Corporation · US

Inventors

• Felix Mon · Jacksonville, US
• Robert J. MacKenzie · Enfield, US
• Susan Smith Thomas · Gastonia, US
• Jason Michael Ackiss · Matthews, US
• Maile George · Concord, US
• Robert Fleetwood Armstrong · Charlotte, US
• Kazi M. Ariff · Quincy, US
• Erik Stephen Ross · Charlotte, US

Key dates

• Filing date: Jan 28, 2010
• Grant date: Jun 3, 2014
• Expiry date: Sep 12, 2030

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/3276
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer via consumer-readable communications. In one embodiment, a payment terminal proximate the point of sale communicates a transaction information signal to the mobile device. The mobile device communicates the transaction information to the consumer in a consumer-readable format such as audible sound waves. In some embodiments, the consumer-readable communications include requests for consumer input. The consumer input is received by an input device proximate the mobile device and communicated to the payment terminal. In some embodiments consumer input is received by the payment terminal as well as the mobile device, and in some embodiments, the consumer chooses whether to use the mobile device as an interface or only to use the payment terminal.