System and method for conducting a transaction at a financial transaction terminal using a mobile device
US8972297B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Nov 15, 2011 |
| Grant date | Mar 3, 2015 |
| Priority date | — |
| Expiry date | Apr 3, 2032 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04W12/06
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
The systems and methods described herein allow greater access to a banking platform via a mobile device. The customer can initiate a financial transaction using a mobile device, a bank can inform the customer of the nearest financial transaction terminal to perform that service, and the customer can complete that financial transaction at the financial transaction terminal using the mobile device as a user interface. While conventional systems may use a mobile device to transmit payment information at a point of sale terminal of a brick-and-mortar merchant, the embodiments described herein can allow a customer to conduct a transaction at a financial transaction terminal using the mobile device to initiate a transaction at a location away from a financial transaction terminal, to locate the nearest financial transaction terminal providing the required services, and as a user interface while communicating with the financial transaction terminal.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.