as) United States
`a2) Patent Application Publication co) Pub. No.: US 2009/0144161 Al
` FISHER (43) Pub. Date: Jun. 4, 2009
`
`
`
`US 20090144161A1
`
`(54) METHOD AND SYSTEM FOR CONDUCTING
`AN ONLINE PAYMENT TRANSACTION
`USING A MOBILE COMMUNICATION
`DEVICE
`Inventor:
`
`(75)
`
`Michelle FISHER, Oakland, CA
`(US)
`
`Correspondence Address:
`SAWYER LAW GROUP LLP
`2465 E. Bayshore Road, Suite No. 406
`PALO ALTO, CA 94303 (US)
`
`(73) Assignee:
`
`Mobile Candy Dish, Inc.,
`Alameda, CA (US)
`
`(21) Appl. No.:
`
`11/948,903
`
`(22)
`
`Filed:
`
`Nov. 30, 2007
`
`Publication Classification
`
`Int.Cl
`(51)
`(2006.01)
`G060 30Yoo
`(52) US. CD. cece cececceeescseseseececneeenscensensanecnees 705/16
`(57)
`ABSTRACT
`A method and system for conducting an online payment
`transaction through a point of sale device. The method
`includes receiving input from a user selecting an item for
`purchase throughthe point of sale device; calculating a total
`purchase amountfor the item in responseto a request from the
`user to purchase the item; and sending paymentauthorization
`for the total purchase amountfrom the point of sale device to
`a paymententity, in which the paymentauthorization is sent
`to the paymententity via a mobile communication device of
`the user. The methodfurther includes receiving a result of the
`payment authorization from the payment entity through the
`mobile communication device; and completing the payment
`transaction based onthe result of the payment authorization.
`
`po 100
`
`
`
`
`
`PAYMENT
`POINT OF SALE
`AUTHORIZATION
`
`DEVICE 104 MOBILE
`
`COMMUNICATION
`DEVICE 102
`
`MANAGEMENT
`SERVER 106
`
`1
`
`SAMSUNG 1011
`
`SAMSUNG 1011
`
`1
`
`

`

`Patent Application Publication
`
`Jun. 4, 2009 Sheet 1 of 4
`
`US 2009/0144161 Al
`
`~ 100
`
`AUTHORIZATION
`
`
`POINT OF SALE
`DEVICE 104
`
`MOBILE
`COMMUNICATION
`
`DEVICE 102
`
` PAYMENT
`
`MANAGEMENT
`
`SERVER 106
`
`FIG. 1
`
`MOBILE
`COMMUNICATION
`DEVICE 102
`
`MOBILE
`
`APPLICATION 200
`
`LIST 202
`
`SHOPPING
`
`FIG. 2
`
`2
`
`

`

`Patent Application Publication
`
`Jun. 4, 2009 Sheet 2 of 4
`
`US 2009/0144161 Al
`
`MORE ITEMS FOR PURCHASE
`
`RECEIVE USER INPUT SELECTING ONE OR
`
`IN RESPONSE TO A REQUEST FROM A THE
`USER TO PURCHASE THE ONE OR MORE
`ITEMS, CALCULATING A TOTAL PURCHASE
`AMOUNT FOR THE ONE OR MORE ITEMS
`
`SEND PAYMENT AUTHORIZATION FOR
`TOTAL PURCHASE AMOUNT TO PAYMENT
`ENTITY THROUGH MOBILE
`COMMUNICATION DEVICE OF USER
`
`AUTHORIZATION
`
`RECEIVE RESULT OF PAYMENT
`AUTHORIZATION FROM PAYMENT ENTITY
`
`THROUGH MOBILE COMMUNICATION
`DEVICE OF USER
`
`COMPLETE PAYMENT TRANSACTION
`BASED ON RESULTS OF PAYMENT
`
`FIG. 3
`
`300
`
`302
`
`304
`
`306
`
`308
`
`310
`
`3
`
`

`

`Patent Application Publication
`
`Jun. 4, 2009 Sheet 3 of 4
`
`US 2009/0144161 Al
`
`PERSONAL COMPUTER (PC) 404
`
`ONLINE STORE 406
`
`(1)
`
`ONLINE STORE
`APP 440
`
`BROWSER
`
`POS BROWSER
`
`
`
`
`MOBILE COMMUNICATION DEVICE 402
`
`
`|| PLUGIN
`
`(8)
`(6)
`
`MCD POS
`PLUGIN 414
`=
`
`MANAGEMENT SERVER 408
`
`ISSUER
`AUTHORIZATION418
`
`MOBILE WALLET
`CLIENT
`
`SECURE
`CHIP
`
`4
`
`

`

`Patent Application Publication
`
`Jun. 4, 2009 Sheet 4 of 4
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`US 2009/0144161 Al
`
`ADAPTER
`
`COMMUNICATION
`
` NETWORK
`
`5
`
`

`

`US 2009/0144161 Al
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`Jun. 4, 2009
`
`FIG. 2 illustrates one implementation of the wire-
`[0007]
`less mobile communication device of FIG.1.
`
`FIG. 3 is a method for conducting a paymenttrans-
`[0008]
`action using a point of sale device in accordance with one
`implementation.
`[0009]
`FIG. 4 illustrates a block diagram of a communica-
`tion system including a wireless mobile communication
`device and an online store in accordance with one implemen-
`tation.
`
`FIG. 5 isa block diagram of a data processing sys-
`[0010]
`tem suitable for storing and/or executing program code in
`accordance with one implementation.
`[0011] Like reference symbols in the various drawings
`indicate like elements.
`
`DETAILED DESCRIPTION OF THE INVENTION
`
`cellular
`[0002] Mobile communication devices—e.g.,
`phones, personaldigital assistants, and the like—are increas-
`ingly being used to conduct payment
`transactions as
`described in U.S. patent application Ser. No. 11/933,351,
`entitled “Method and System For Scheduling A Banking
`Transaction ThroughA Mobile Communication Device”, and
`US. patent application Ser. No. 11/467,441, entitled
`[0012] FIG.1illustrates one implementation of a commu-
`
`“Method and Apparatus For Completing A Transaction Using
`nication system 100. The communication system 100
`A Wireless Mobile Communication Channel and Another
`includes a hand-held, wireless mobile communication device
`Communication Channel, both of which are incorporated
`102 a point-of-sale device 104 and a managementserver 106.
`herein by reference. Such paymenttransactions can include,
`In one implementation, the mobile communication device
`for example, purchasing goods and/or services, bill pay-
`102 includes a mobile application (discussed in greater detail
`ments, and transferring funds between bank accounts.
`below) that permits a user of the mobile communication
`BRIEF SUMMARY OF THE INVENTION
`device 102 to conduct paymenttransactions. Paymenttrans-
`actions can include, for example, using contactless payment
`technology at a retail merchant point of sale (e.g., through
`point of sale device 104), using mobile/internet commerce
`(e.g., purchase tickets and products, etc.), storage ofpayment
`information and otherdigital artifacts (e.g., receipts, tickets,
`coupons, etc.), storage of banking information (payment
`account numbers, security codes, PIN’s,etc.), and accessing
`banking service (account balance, paymenthistory,bill pay,
`fund transfer, etc.), and so on. The mobile communication
`device 102 can be a cellular phone,a wireless personal digital
`assistant (PDA), a laptop computer, or other wireless com-
`munication device. The point of sale device 104 can be a
`desktop computer, laptop computer, terminal, or other device
`that is configured to receive user input selecting items for
`purchaseorother transaction.
`[0013]
`In one implementation, authorizations for payment
`transactions that are made through the point of sale device
`104 are sent from the point of sale device 104 to an issuer
`authorization (e.g., management server 106) through the
`mobile communication device 102 (as shown in FIG. 1). In
`one implementation, an issuer authorization is a payment
`entity that either approves or disapproves a paymenttransac-
`tion. An issuer authorization canbe,e.g., a person, computer
`system, bank (or other third party). One potential benefit of
`having payment authorizations flow through the mobile com-
`munication device 102 is that sensitive user information (e.g.
`account numbers, pin numbers, and/or identity information)
`need only be sent from the mobile communication device 102
`directly to an issuer authorization. Such operation reduces the
`potential for identity theft and/or fraudulent purchases made
`through a point of sale device. For example, (in one imple-
`mentation) payment authorizations cannotbe sent to an issuer
`authorization if the mobile communication device 102 is
`turnedoff.
`
`METHOD AND SYSTEM FOR CONDUCTING
`AN ONLINE PAYMENT TRANSACTION
`USING A MOBILE COMMUNICATION
`DEVICE
`
`FIELD OF INVENTION
`
`[0001] The present invention relates to data communica-
`tions and wireless devices.
`
`BACKGROUND OF THE INVENTION
`
`In general, this specification describes a method and
`[0003]
`system for conducting an online paymenttransaction through
`a point of sale device. The method includes receiving input
`from auserselecting an item for purchase throughthe point of
`sale device; calculating a total purchase amountfor the item
`in response to a request from the user to purchase the item;
`and sending payment authorization for the total purchase
`amount from the point of sale device to a payment entity, in
`which the paymentauthorization is sent to the paymententity
`via a mobile communication device of the user. The method
`further includes receiving a result of the payment authoriza-
`tion from the paymententity through the mobile communi-
`cation device; and completing the paymenttransaction based
`on the result of the payment authorization.
`[0004]
`Particular implementations can include one or more
`of the following features. The point of sale device can be a
`desktop computer, a laptop computer, or a terminal. The
`mobile communication device can be a cellular phone, a
`wireless personal digital assistant (PDA), or a laptop com-
`puter. The cellular phone can be an NFC-enabled phone.
`Sending paymentauthorization for the total purchase amount
`from the point of sale device to a paymententity can include
`sending the payment authorization securely to the payment
`entity. The paymententity can be a person, a computer sys-
`tem, or a bank. The methodcan further include maintaining a
`shopping list on the mobile communication device ofthe user,
`in which the shoppinglist includes a listing of one or more
`itemsto be purchasedby the user. The paymentauthorization
`can be an authorization for paymentwith a credit card, a debit
`card, or a prepaid card.
`[0005] The details of one or more implementationsare set
`forth in the accompanying drawings and the description
`below. Other features and advantages will be apparent from
`the description and drawings, and from the claims.
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`FIG.1 illustrates a block diagram of a communica-
`[0006]
`tion system including a wireless mobile communication
`device and a management server in accordance with one
`implementation.
`
`device 102 includes a mobile application 200 that (in one
`implementation) is provided to the mobile communication
`device 102 through a remote server(e.g., management server
`106). In one implementation, the mobile application is a
`
`FIG. 2 illustrates one implementation of the mobile
`[0014]
`communication device 102. The mobile communication
`
`6
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`

`US 2009/0144161 Al
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`Jun. 4, 2009
`
`Mobile Wallet application available from Mobile Candy
`Dish, Inc., of Alameda, Calif. In one implementation, the
`mobile application is a hosted service, as described in U.S.
`patent application Ser. No. 11/939,821, entitled “Method and
`System For Securing Transactions Made Through a Mobile
`Communication Device”, which is incorporated herein by
`reference. In one implementation, the mobile application 200
`is configured to send requests to the managementserver for
`artifacts based on user input, e.g., received though a keypad
`(not shown) of the mobile communication device 102.
`Requests to the management server 106 can also be auto-
`mated, via proximity-basedservices, e.g., consumer tapping
`(or in close proximity) an LBS/contactless/RFID enabled
`phone against a smart poster (RFID/Bluetooth/LBS enabled,
`etc.), kiosk, or other device.
`[0015]
`In one implementation, the mobile application 200
`running on the mobile communication device 102 is config-
`ured to receive artifacts (e.g., advertisements, receipts, tick-
`ets, coupons, media, content, and so on) from the manage-
`ment server 106. In one implementation, the management
`server 106 sendsartifacts to the mobile application based on
`user profile information and/or a transaction history (or pay-
`menttrends) associated with a user of the mobile communi-
`cation device 102 as described in U.S. patent application Ser.
`No. 11/944,267, entitled “Method and System For Delivering
`Information To a Mobile Communication Device Based On
`
`Consumer Transactions”, which is incorporated herein by
`reference.
`
`In one implementation, the mobile communication
`[0016]
`device 102 is an NFC-enabled phone. The mobile communi-
`cation device 102 can be NFC-enabled, for example, through
`an embedded chip or a sticker that is affixed to the cellular
`phone,as described in U.S. application Ser. No. 11/933,321,
`entitled “Method and System ForAdapting a Wireless Mobile
`Communication Device For Wireless Transactions”, which is
`incorporated herein by reference. In one implementation,the
`NFCchip (or sticker) on the cellular phone can be used in
`conjunction with a merchant’s point of sale device as
`described in greater detail below.
`[0017]
`For example, with referenceto FIG.4, in one imple-
`mentation, the NFCchip(orsticker) on the cellular phone can
`communicate with NFCchips that are installed on the front of
`PC’s (TV’s, Kiosks, or any other device) and serve as scan-
`ners/readers. In this implementation a mobile candy dish
`applet (e.g., MCD POSplugin 414) is installed on the con-
`sumer’s computer (e.g., PC 404) which interfaces with the
`NFCchip on the PC. When a consumer(oruser) is shopping
`online and they are ready to pay for their products, the con-
`sumeropenshis mobile wallet and selects one ofthe payment
`methods(e.g., credit card, debit card, prepaid card, etc.) from
`their mobile wallet. Ifa default card has been selected already,
`this step is not necessary. The consumer then waves their
`phoneover the NFC reader present on the PC 404. The con-
`sumer’s payment credentials are transferred from the phone
`to the merchant website (e.g., online store application 410)
`using a communication protocol between the chip in the
`phoneandthe chip in the PC, which can be radio frequency
`for example. If the consumer has coupons in their mobile
`wallet the consumer can either elect to manually apply the
`coupon, save the coupon for a future use (against a larger
`purchase for example), or have the coupon automatically
`applied during the transaction and the transaction amountis
`updated. After the consumerenters any necessary validation
`information (e.g., pin) to provide a multi-factor authentica-
`
`tion and confirmsthe transaction, the online purchaseis pro-
`cessed as normal by the merchant’s online processor. The
`mobile wallet can retrieve transaction data, account balance
`from the managementserver 408.
`[0018]
`In one implementation, the mobile communication
`device 102 is anon NFC-enabled phone. In this implementa-
`tion, the consumer connectshis phoneto the PC 404 via some
`non radio frequency method(e.g., IR, Bluetooth, USB cable,
`etc.). When a consumeris shopping online andthey are ready
`to pay for their products, the consumer opens his mobile
`wallet and selects one of the payment methods(e.g., credit
`card, debit card, prepaid card, etc.) from their mobile wallet.
`If a default card has been selected already, this step is not
`necessary. The consumer then pushes, e.g., a “Buy now”
`button and the consumer’s payment credentials are trans-
`ferred from the phone to the merchant website(e.g., online
`store application 410) using the protocol between the phone
`and the PC 404 which can be radio frequency, for example.If
`the consumer has coupons in their mobile wallet the con-
`sumercaneither elect to manually apply the coupon,save the
`coupon for a future use, or have the coupon automatically
`applied during the transaction andthe transaction amountis
`updated. After the consumerenters any necessary validation
`information (e.g., pin) to provide multi-factor authentication
`and confirmsthe transaction, the online purchaseis processed
`as normal by the merchant’s online processor. The mobile
`wallet canretrieve transaction data and account balance from
`the managementserver 408.
`[0019]
`In one implementation, the managementserver 408
`and merchantportal (e.g., online store 408) are maintained by
`trusted parties and use an encrypted tunnelto transfer finan-
`cial data. When the consumeris ready to pay for their online
`product, they enter their cell phone numberon the merchant
`portal. The merchantportal (which has an MCDapplet(e.g.,
`MCDPOSplugin 414)installed on its server) securely con-
`nects to the managementserver 408 (that in one implemen-
`tation is maintained by Mobile Candy Dish (MCD)). In one
`implementation, the management server 408 identifies the
`consumer through their cell phone number, and verifies the
`consumer’s authenticity by sending a unique transaction code
`to the consumer mobile wallet on their cell phone. The con-
`sumerthen enters this unique transaction code onto the mer-
`chant’s web portal. The merchantportal sendsthis transaction
`number to the management server 408 for authentication.
`Upon authentication, the consumer’s virtual wallet and pay-
`ment methods(e.g., credit card, debit card, prepaid card, etc.)
`are securely retrieved from the managementserver 408 and
`are displayed to the consumer in a window on a website
`associated with the merchant portal. The consumerselects
`one of these payment methodsto pay for their transaction. If
`a default card has been selected already, this step is not nec-
`essary. Ifthe consumerhas couponsin their mobile wallet the
`consumercan either elect to manually apply the coupon, save
`the couponfor a future use, or have the coupon automatically
`applied during the transaction andthe transaction amountis
`updated. After the consumerenters any necessary validation
`information to provide a multi-factor authentication and con-
`firms the transaction, the online purchase is processed as
`normalby the merchant’s online processor. The mobile wallet
`can retrieve transaction data, account balance from the man-
`agementserver 408.
`in one implementation, the
`[0020] Referring to FIG. 2,
`mobile application 200 maintains a shopping list 202 for a
`consumer. Accordingly, consumers havethe ability to store
`
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`US 2009/0144161 Al
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`
`their shoppinglist in their mobile wallet and add, delete, or
`change items on their shoppinglist either in offline or online
`mode. In one implementation, consumers are sent coupons
`based on items on their shoppinglist, preferences, previous
`shopping history, proximity to the physical retail store, or a
`combination of these parameters, as discussed in application
`Ser. No. 11/944,267, which is incorporated by reference
`above. If the consumerhas couponsin their mobile wallet the
`consumercan either elect to manually apply the coupon, save
`the couponfor a future use, or have the coupon automatically
`applied during the transaction and the transaction amountis
`updated. When a consumer wants to order the items on their
`shopping list via an on online merchant (in contrast to a
`physicalretail store), the consumer can logon to the merchant
`portal and electronically transmit their shopping list to the
`merchant portal either by waving their phone over NFC
`enabled PC’s or some other connection such as IR, bluetooth,
`USB, orthelike.
`[0021]
`FIG. 3 illustrates a method 300 for conducting a
`paymenttransaction using a pointof sale device (e.g., point of
`sale device 104). User inputis received selecting one or more
`itemsfor purchase(e.g., at the pointof sale device) (step 302).
`In general, the transaction being made at the point of sale
`device can be any type of transaction that
`involves the
`exchangeortransfer of funds—e.g., the transaction can be a
`paymenttransaction, a fund transfer, or other type of trans-
`action. In response to a request from the user to purchase the
`one or more items, a total purchase amount for the one or
`more items is calculated (e.g., by the point of sale device)
`(step 304). If the user has couponsin their mobile wallet the
`user can either manually apply the couponor have the coupon
`automatically applied during the transaction andthe transac-
`tion amount is updated. The user request to purchase an item
`can be received, e.g., by a user clicking on a “buy now”icon
`that is displayed on a graphical user interface of the point of
`sale device. Payment authorization for the total purchase
`amountis sent to a paymententity through a mobile commu-
`nication deviceof the user(step 306). A result of the payment
`authorization is received at the point of sale device from the
`paymententity via the mobile communication device (step
`308). The payment transaction is completed based on the
`result ofthe paymentauthorization (step 310). Ifthe payment
`transaction was authorized by the paymententity, then the
`sale ofthe items through the point of sale device is completed.
`Otherwise, if the payment transaction was not authorized by
`the paymententity, then the point of sale device terminates the
`paymenttransaction.
`[0022]
`FIG.4 illustrates an example paymenttransaction
`being made in a communication system 400 in accordance
`with one implementation. The communication system 400
`includes a mobile communication device 402, a personal
`computer (PC) 404, an online store 406, and a core (or datas-
`tore) 408. As indicated by interaction (1), a user (or cus-
`tomer), using a phone (e.g., mobile communication device
`402 or personal computer 404), browses an online store web-
`site (online store application 410) and finds an item that the
`customer wishes to purchase. This could also be a purchase
`madethrough a midlet application (POS midlet 412) residing
`on the mobile communication device 402. The user then goes
`to, e.g., a checkout ofthe online store 406 make a purchase.If
`the user has couponsin their mobile wallet the user can either
`manually apply the couponor have the coupon automatically
`applied during the transaction and the transaction amountis
`updated. When it comes time to authorize the purchase, (in
`
`one implementation) the user is given an option to purchase
`with the mobile communication device 402. In one imple-
`mentation, the mobile communication device 402 is an NFC-
`equipped phone (or NFC phone).
`[0023]
`Ininteraction (2), when the user chooses to purchase
`with the mobile communication device 402, the online store
`application 410 sendsthe transaction information for autho-
`rization to the POS vendor plugin (e.g., MCD POS plugin
`414). In one implementation,
`the POS vendor plugin is
`installed in the merchant’s online store and enables the mer-
`
`chant to accepts MCD Blaze paymentsas an alternative form
`of payment, similar to accepting credit cards for payment. As
`shown by interaction (3), the POS vendor plugin formats,
`encrypts, and cryptographically signs the purchase authori-
`zation request which is sent via a secure SSL link (e.g.,
`HTTPS, Bluetooth, IR, USB, or other suitable protocol)
`established by the browser/web application 416 back to the
`mobile communication device 402. As with thefirst scenario,
`all communications is over secure channels. (It may be
`required that the mobile wallet application be openedprior to
`beginning a phoneonline purchase.) The POS midlet 412 is a
`component of the mobile wallet application that executes
`PayPass or other payment authorization protocol between
`itself and the SE payment applications on the mobile com-
`munication device 402 (interaction (4)). The results of the
`request are sent back to the POS vendor plugin.
`[0024] As shownbyinteraction (5), the POS midlet 412
`then forwards the properly formatted authorization request to
`a paymententity (e.g., issuer authorization 418) for authori-
`zation. The results ofthe requestare then sent back to the POS
`componentof the mobile wallet. Through interaction (6), the
`POS midlet 412 then forwards the results back to the MCD
`
`POSplugin 414 to complete the purchase. The MCD POS
`plugin 414 then forwards the purchase transaction informa-
`tion to the managementserver 408 for later customer viewing
`(interaction (7)). As indicated by interaction (8), users (or
`customers) will then be able to query the managementserver
`408 and immediately obtain purchase information, either by
`phoneor PC.
`[0025] Oneor more ofmethodsteps described above can be
`performed by one or more programmable processors execut-
`ing a computer program to perform functions by operating on
`input data and generating output. Generally, the invention can
`take the form ofan entirely hardware embodiment,an entirely
`software embodiment or an embodiment containing both
`hardware and software elements. In one implementation, the
`invention is implemented in software, which includes but is
`not limited to firmware, resident software, microcode, etc.
`Furthermore, the invention can take the form of a computer
`program productaccessible from a computer-usable or com-
`puter-readable medium providing program codefor use by or
`in connection with a computer or any instruction execution
`system. For the purposes of this description, a computer-
`usable or computer readable medium can be any apparatus
`that can contain, store, communicate, propagate, or transport
`the program for use by or in connection with the instruction
`execution system, apparatus, or device. The medium can be
`an electronic, magnetic, optical, electromagnetic,infrared, or
`semiconductor system (or apparatus or device) or a propaga-
`tion medium. Examples of a computer-readable medium
`include a semiconductor or solid state memory, magnetic
`tape, a removable computer diskette, a random access
`memory (RAM), a read-only memory (ROM), a rigid mag-
`netic disk and an optical disk. Current examples of optical
`
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`

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`disks include compact disk-read only memory (CD-ROM),
`compact disk-read/write (CD-R/W) and DVD.
`[0026]
`FIG.5 illustrates a data processing system 500 suit-
`able for storing and/or executing program code. Data process-
`ing system 500 includes a processor 502 coupled to memory
`elements 504A-B through a system bus 506. In other imple-
`mentations, data processing system 500 may include more
`than one processor and each processor may be coupled
`directly or indirectly to one or more memory elements
`through a system bus. Memory elements 504A-B can include
`local memory employed during actual execution of the pro-
`gram code, bulk storage, and cache memories that provide
`temporary storage of at least some program codein order to
`reduce the numberof times the code mustberetrieved from
`
`bulk storage during execution. As shown, input/output or I/O
`devices 508A-B (including, but not limited to, keyboards,
`displays, pointing devices, etc.) are coupled to data process-
`ing system 500. I/O devices 508A-B may be coupled to data
`processing system 500 directly or indirectly through inter-
`vening I/O controllers (not shown).
`[0027]
`In one implementation, a network adapter 510 is
`coupled to data processing system 500 to enable data process-
`ing system 500 to become coupled to other data processing
`systems or remote printers or storage devices through com-
`munication link 512. Communication link 512 can be a pri-
`vate or public network. Modems, cable modems, and Ether-
`net cards are just a few of the currently available types of
`network adapters.
`[0028] Although the present invention has been particu-
`larly described with reference to implementations discussed
`above, various changes, modifications and substitutes are can
`be made. Accordingly,it will be appreciated that in numerous
`instances some features of the invention can be employed
`without a corresponding use of other features. Further, varia-
`tions can be made in the numberand arrangement of compo-
`nents illustrated in the figures discussed above.
`Whatis claimed is:
`
`5. The methodof claim 1, wherein sending paymentautho-
`rization for the total purchase amount from the point of sale
`device to a payment entity includes sending the payment
`authorization securely to the paymententity.
`6. The method of claim 5, wherein the paymententity
`comprises a person, a computer system, or a bank.
`7. The method of claim 1, further comprising maintaining
`a shopping list on the mobile communication device of the
`user, the shoppinglist including a listing of one or more items
`to be purchased bythe user.
`8. The method of claim 1, wherein the payment authoriza-
`tion comprises an authorization for payment with a credit
`card, a debit card, or a prepaid card.
`9. The method of claim 1, wherein the mobile communi-
`cation device ofthe user has to be turned on in order to permit
`the payment authorization to be sent from the point of sale
`device to the paymententity.
`10. A computer program product, tangibly stored on a
`computer readable medium,the product comprising instruc-
`tions operable to cause a programmable processorto:
`receive input from a user selecting an item for purchase
`through a pointof sale device;
`calculate a total purchase amountforthe item in response
`to a request from the user to purchase the item;
`send paymentauthorization for the total purchase amount
`from the point of sale device to a payment entity, the
`payment authorization being sent to the paymententity
`via a mobile communication deviceofthe user;
`receive a result of the payment authorization from the
`payment entity through the mobile communication
`device; and
`complete the paymenttransaction based onthe result ofthe
`paymentauthorization.
`11. The computer program product of claim 10, wherein
`the point of sale device is a desktop computer, a laptop com-
`puter, or a terminal.
`12. The computer program product of claim 11, wherein
`the mobile communication device comprises a cellular
`phone,a wireless personaldigital assistant (PDA), or a laptop
`computer.
`13. The computer program product of claim 12, wherein
`the cellular phone comprises an NFC-enabled phone.
`14. The computer program product of claim 10, wherein
`the instructions to send payment authorization for the total
`purchase amount from the point of sale device to a payment
`entity include instructions to send the payment authorization
`securely to the paymententity.
`15. The computer program product of claim 14, wherein
`the paymententity comprises a person, a computer system, or
`a bank.
`
`1.A method for conducting an online paymenttransaction
`through a point of sale device, the method comprising:
`receiving input from a user selecting an item for purchase
`through the point of sale device;
`in responseto a request from the user to purchase the item,
`calculating a total purchase amountfor the item;
`sending payment authorization for the total purchase
`amountfrom the pointof sale device to a paymententity,
`the payment authorization being sent to the payment
`entity via a mobile communication device of the user;
`receiving a result of the payment authorization from the
`payment entity through the mobile communication
`16. The computer program product of claim 10, wherein
`device; and
`the product further comprises instructions operable to cause a
`completing the paymenttransaction based on the result of
`programmable processor to maintain a shopping list on the
`the paymentauthorization.
`mobile communication device of the user, the shopping list
`2. The methodof claim 1, wherein the pointof sale device
`includingalisting of one or more itemsto be purchased by the
`user.
`is a desktop computer, a laptop computer, or a terminal.
`3. The method of claim 2, wherein the mobile communi-
`cation device comprises a cellular phone, a wireless personal
`digital assistant (PDA), or a laptop computer.
`4. The method of claim 3, wherein the cellular phone
`comprises an NFC-enabled phone.
`
`17. The computer program product of claim 10, wherein
`the payment authorization comprises an authorization for
`paymentwith a credit card, a debit card, or a prepaid card.
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`9
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