发明名称 |
SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS PROVIDING PAYMENT IN COOPERATION WITH EMV CARD READERS |
摘要 |
An electronic payment system provided by a mobile communication device, the system including a memory storing instructions for interacting with a EMV card reader to cause payment from an issuing bank associated with a cardholder to an acquiring bank of a merchant associated with the electronic payment processing system; and one or more processors in communication with the memory configured to: initiate a transaction by passing transaction information, including a transaction amount, to the EMV card reader; receive encrypted payment authorization from the EMV card reader to process a payment from the issuing bank to the acquiring bank, wherein the one or more processors are in communication with the EMV card reader; pass the encrypted payment authorization to the acquiring bank over a data connection; and receive a confirmation of payment from the acquiring bank over the data connection. |
申请公布号 |
US2015006407(A1) |
申请公布日期 |
2015.01.01 |
申请号 |
US201314371977 |
申请日期 |
2013.01.11 |
申请人 |
EBAY INC. |
发明人 |
Lunn John;Patel Narik;Moghadam Ali Minaei;Goldfarb Sivanne |
分类号 |
G06Q20/40;G06Q20/32;G06Q20/34;G06Q20/18 |
主分类号 |
G06Q20/40 |
代理机构 |
|
代理人 |
|
主权项 |
1. An electronic payment system provided by a mobile communication device, the system comprising:
a memory storing instructions for interacting with a EMV card reader to cause payment from an issuing bank associated with a cardholder to an acquiring bank of a merchant associated with the electronic payment processing system; and one or more processors in communication with the memory configured to:
initiate a transaction by passing transaction information, including a transaction amount, to the EMV card reader;receive encrypted payment authorization from the EMV card reader to process a payment from the issuing bank to the acquiring bank, wherein the one or more processors are in communication with the EMV card reader;pass the encrypted payment authorization to the acquiring bank over a data connection; andreceive a confirmation of payment from the acquiring bank over the data connection. |
地址 |
San Jose CA US |