Method and system for performing mobile device-to-machine payments

摘要

A device with one or more processors, memory, and two or more communication capabilities obtains, from a payment module, an authorization request via a first communication capability (e.g., Bluetooth). The device sends, to a server, the authorization request via a second communication capability distinct from the first communication capability (e.g., cellular or WiFi technology). In response to sending the authorization request, the device obtains, from the server, authorization information via the second communication capability. After obtaining the authorization information, the device detects a trigger condition to perform a transaction with a payment accepting unit associated with the payment module. In response to detecting the trigger condition, the device sends, to the payment module, at least a portion of the authorization information via the first communication capability.

主权项

1. A method of payment processing, the method comprising:
at a mobile device with one or more processors, memory, and a communications unit:
identifying a vending machine based at least in part on a transmission received from a payment module of the vending machine;initiating pre-authorization for a cashless vending transaction with the vending machine by sending a first communication via the communications unit of the mobile device to the payment module;in response to sending the first communication, obtaining, from the payment module, an authorization request via the communications unit of the mobile device;sending, to a server, the authorization request via the communications unit of the mobile device;in response to sending the authorization request, obtaining, from the server, authorization information via the communications unit of the mobile device, the authorization information including information identifying an authorized amount for use in conjunction with the cashless vending transaction with the vending machine, the authorization information being associated with a predetermined time period within which the authorized amount is valid for use; andafter obtaining the authorization information, detecting a trigger condition to perform the cashless vending transaction with the vending machine; andin response to detecting the trigger condition, determining whether the authorized amount is available for use, including determining based at least in part on the predetermined time period whether the authorized amount is available for use;in accordance with a determination that the authorized amount is available for use, sending, to the payment module, the information identifying the authorized amount to enable completion of the cashless vending transaction at the vending machine.