Systems and methods for handling point-of-sale transactions using a mobile device

摘要

Systems and methods for handling point-of-sale transactions using a mobile device are provided herein. In one embodiment, a method for providing payment via a mobile device in a transaction for a good or service can include receiving a selection on the mobile device of a transaction account from which to fund payment in a transaction for a good or service. The method can further include generating and sending a notification to a network processing system (NPS). The notification can identify the selected transaction account. The NPS can be configured to associate the selected transaction account with an NPS account for one or more future transactions. The method can further include sending a customer identifier to a point-of-sale (POS) system via a short-range communications medium to complete the transaction. In another embodiment, methods for handling payment in a mobile e-commerce network are provided.

主权项

1. A mobile device comprising:
a short-range communication module; a transceiver; a processor; and a memory that stores instructions that, when executed by the processor, cause the processor to perform operations comprising
receiving a transaction account selection indicating a transaction account to be used to pay for a future transaction, wherein the transaction account is selected from a plurality of transaction accounts based upon a transaction amount of the future transaction,sending, to a network processing system using the transceiver, a notification that identifies
the transaction account selection for the future transaction, anda unique customer identifier used by the network processing system to identify a network processing system account, wherein the unique customer identifier comprises a transaction account number and a number provided by a customer,receiving, from the network processing system, a confirmation that indicates that the transaction account selection has been associated with the network processing system account corresponding to the unique customer identifier, andsending, via a short-range communications medium using the short-range communication module, the unique customer identifier to a point of sale system associated with a merchant during the future transaction, wherein the point of sale system sends the unique customer identifier in a payment request to the network processing system to complete the future transaction using the transaction account identified by the transaction account selection.