METHODS AND SYSTEMS FOR PERFORMING AN ECOMMERCE TRANSACTION AT A PHYSICAL STORE USING A MOBILE DEVICE

摘要

According to one aspect, the subject matter described herein includes a system for generating and completing an ecommerce transaction at a physical store. The system includes a database for storing and maintaining payment information for mobile users. A mobile backend server receives, from a mobile device of a user, information identifying a physical store transaction terminal; requests and receives from the identified physical store transaction terminal, information about a transaction desired by the user, the information including an amount of the transaction; forwards the information about the transaction to the user's mobile device for approval by the user; receives, from the user's mobile device, approval from the user to perform the desired transaction; and, in response to receiving the approval, retrieves payment information associated with the user from the database and forwards at least some of the payment information to a payment network for initiating the desired transaction.

主权项

1. A method for authenticating a mobile user for ecommerce transactions, the method comprising:
at a mobile backend server for storing and maintaining payment information for mobile users:
receiving, from a mobile user, information associated with a payment card, the information including a billing address and a card security code;performing an authentication only reversible transaction for a nominal amount using an ecommerce format;upon receiving approval for the transaction, storing the information except for the card security code, associating the mobile user to the stored information, and authenticating the combination of the mobile user and the stored information for ecommerce transactions.