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32. 发明授权

US08255278B1 Systems and methods for payment at a point of sale using a virtual check 有权
标题翻译：使用虚拟支票在销售点进行支付的系统和方法
公开(公告)号：US08255278B1
公开(公告)日：2012-08-28
申请号：US12408935
申请日：2009-03-23
申请人： Barrington Riverton Saint Aloysius Young , Bharat Prasad , Bradly Jay Billman
发明人： Barrington Riverton Saint Aloysius Young , Bharat Prasad , Bradly Jay Billman
IPC分类号： G06Q20/00
CPC分类号： G06Q20/202 , G06Q20/102 , G06Q20/206 , G06Q20/209 , G06Q20/322 , G06Q20/3278 , G06Q40/128
摘要： Systems and methods are provided for making purchases at a merchant point-of-sale (POS) device using a mobile device. Transaction information may be communicated from the POS device to the mobile device and an authorization from the purchaser to proceed with the transaction returned to the POS device from the mobile device. After authorization, the POS device may communicate the transaction information together with an identifier of the mobile device to a financial institution to process payment. The financial institution may confirm the transaction with the purchaser at the mobile device using the identifier of the mobile device. Upon receiving a confirmation response from the mobile device, the financial institution may then transfer funds from a purchaser account to a merchant account. A confirmation of the transfer may be provided to the merchant and the purchaser, after which, the transaction may be completed at the merchant POS device where a receipt is printed and provided to the purchaser.
摘要翻译：系统和方法被提供用于使用移动设备在商户销售点（POS）设备上进行购买。交易信息可以从POS设备传送到移动设备，并且来自购买者的授权来继续从移动设备返回到POS设备的交易。授权后，POS设备可以将交易信息与移动设备的标识符一起传送给金融机构以处理支付。金融机构可以使用移动设备的标识符在移动设备处确认与购买者的交易。在从移动设备接收到确认响应之后，金融机构然后可以将资金从购买者帐户转移到商家帐户。可以向商家和购买者提供转移确认，之后可以在收据被打印并提供给购买者的商户POS设备处完成交易。

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