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:
transmitting, via one or more processors of a payment system, a transaction identifier to a merchant terminal in a payment transaction; in a subsequent payment transaction occurring at the merchant terminal, receiving at the payment system, the transaction identifier and purchase information from the merchant terminal, the purchase information comprising information associated with one or more goods or services to be purchased by a customer and the transaction identifier having been associated with the purchase information by the merchant terminal; generating a machine readable code based on the transaction identifier by the merchant terminal; receiving, by a wireless device associated with the customer, the machine readable code from a merchant terminal; subsequent to receiving the machine readable code from the merchant, converting the machine readable code into the transaction identifier; obtaining at the payment system, the transaction identifier from the wireless device; associating via the one or more processors, the transaction identifier received from the wireless device with the purchasing information received from the merchant; determining, via the one or more processors, a payment account associated with the customer; subsequent to receiving the purchase information from the merchant, receiving, at the payment system and from the wireless device, a password for the payment account, wherein the password is used to authenticate that the customer is associated with the payment account; transmitting, via the one or more processors and to a payment service provider, an authorization request to provide funds for the payment transaction; receiving, at the payment system and from the payment service provider, an authorization to provide funds for the payment transaction; and transmitting, via the one or more processors, a confirmation of the authorization to the merchant so as to effect a transfer of the one or more goods or services to the customer.