Mobile device consumer interface process and system

摘要

Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer via consumer-readable communications. In one embodiment, a payment terminal proximate the point of sale communicates a transaction information signal to the mobile device. The mobile device communicates the transaction information to the consumer in a consumer-readable format such as audible sound waves. In some embodiments, the consumer-readable communications include requests for consumer input. The consumer input is received by an input device proximate the mobile device and communicated to the payment terminal. In some embodiments consumer input is received by the payment terminal as well as the mobile device, and in some embodiments, the consumer chooses whether to use the mobile device as an interface or only to use the payment terminal.

主权项

1. A computer-implemented method for assisting a consumer carrying a mobile device during a transaction with a vendor at a point of sale, the method comprising:
using a computer processor operating computer program code instructions stored in a non-transitory computer-readable medium, wherein the computer program code instructions are structured to cause the computer processor to: establish a connection between a payment terminal disposed proximate the point of sale and the mobile device; in response to establishing the connection between the payment terminal and the mobile device and without contemporaneous input from the consumer, receive a transaction process preference from the mobile device at the payment terminal, wherein the transaction process preference comprises an audible transaction process preference corresponding to the consumer and wherein the audible transaction process preference is a preference predetermined by the consumer and stored in the mobile device for communication to any payment terminal that establishes a connection with the mobile device; determine that the transaction process preference comprises the audible transaction process preference corresponding to the consumer, the audible transaction process preference stored in a memory of the mobile device and indicating to the payment terminal the consumer's predetermined preference for an audible transaction process rather than a traditional visual transaction process; produce, in response to determining the consumer's audible transaction process preference, using the communication device of the payment terminal, a transaction information signal proximate the payment terminal based at least in part on some or all transaction information, the transaction information signal comprising instructions for producing one or more consumer-readable communications for communicating some or all of the transaction information to the consumer; initiate a communication of the transaction information signal from the payment terminal to the mobile device; and receive consumer input proximate the payment terminal, the consumer input provided by the consumer in response to one or more consumer-readable communications communicated to the consumer proximate the mobile device.