SYSTEMS AND METHODS FOR MAKING A PAYMENT USING A WIRELESS DEVICE

摘要

Embodiments of the invention provide methods and systems for performing a payment transaction. A method for performing a payment transaction may include receiving purchase information from a merchant and associating the purchase information with an identifier. The method may also include transmitting the identifier to the merchant and receiving the identifier from a wireless device of a customer. The wireless device may obtain the identifier by receiving a code from a merchant device and by interpreting the code. The method may additionally include associating the identifier with the purchasing information, determining a payment account associated with the customer, transmitting a request to a payment service provider system to provide funds for the payment transaction, and receiving an authorization from the payment service provider system to provide the funds. The method may additionally include transmitting a confirmation of the authorization to the merchant.

主权项

1. A method for performing a payment transaction comprising:
receiving, at a payment transaction system, purchase information from a merchant terminal in a payment transaction, the purchase information comprising information associated with one or more goods or services to be purchased by a customer during the payment transaction; associating, via the payment transaction system, the purchase information with a transaction identifier; transmitting the transaction identifier from the payment transaction system to the merchant terminal for the payment transaction, wherein a machine readable code is generated by the merchant terminal based on the transaction identifier; receiving, at the payment transaction system, the transaction identifier from a wireless device associated with the customer, the transaction identifier having been obtained by the wireless device upon the wireless device receiving the machine readable code from the merchant terminal during the payment transaction and subsequently converting the machine readable code into the transaction identifier; associating, via the payment transaction system, the transaction identifier received from the wireless device with the purchasing information previously received from the merchant terminal; determining, via the payment transaction system, a payment account associated with the customer for use in the payment transaction; transmitting, from the payment transaction system and to a payment service provider, an authorization request for the payment service provider to provide funds for the payment transaction; receiving, at the payment transaction system and from the payment service provider, an authorization for the payment service provider to provide funds for the payment transaction; and transmitting a confirmation of the authorization from the payment transaction system and to the merchant terminal to finalize the payment transaction and effect a transfer of the one or more goods or services to the customer.