Mobile payment authorization system and method
View Patent ↗A system and method of completing a pending purchase is provided. The system and method comprises receiving purchase information by a first communication device from a point-of-sale device. The system and method also comprises transmitting a subscriber approval request from the first communication device to a second device, wherein the subscriber approval request includes the purchase information. The system and method further comprises providing payment information from the first communication device to the point-of-sale device to complete the pending purchase based on a subscriber approval response.
1. A method of completing a pending purchase, comprising:
receiving a purchase information by a first communication device from a point-of-sale device;
transmitting a subscriber approval request from the first communication device to a second device, the subscriber approval request including the purchase information;
providing a payment information from the first communication device to the point-of-sale device to complete the pending purchase upon receiving a subscriber approval response from the second device; and
transmitting the payment information from the point-of-sale device to an authorization entity to authorize charging for the pending purchase.
2. The method of claim 1 , further comprising:
receiving the subscriber approval request;
alerting a user of the subscriber approval request;
receiving an approval response input from the user;
transmitting the subscriber approval response based on the approval response input; and
receiving the subscriber approval response, the subscriber approval response including a decision about the subscriber approval request.
3. The method of claim 1 , wherein determining the subscriber approval response is performed by the second device, and wherein the second device is further defined as a server provided with rules that responds to a request from the first communication device based on the rules.
4. The method of claim 1 , further including determining the subscriber approval response, the determining performed by the first communication device after expiration of a time period of no reply from the second device.
5. The method of claim 1 , wherein the second device is further defined as a second communication device, and further including determining the subscriber approval response, the determining performed by a proxy server after expiration of a time period of no reply from the second communication device.
6. The method of claim 1 , wherein the second device is further defined as a second communication device, and wherein the receiving the information about the pending purchase is performed by a first communication device, the transmitting the subscriber approval is performed by the first communication device to a second communication device, and the determining the subscriber approval response is performed by one or more approval rules.
7. The method of claim 6 , wherein the one or more approval rules are located in an entity selected from the group comprising of the first communication device, the second communication device, and a proxy server.
8. The method of claim 1 , wherein the payment information is not provided from the first communication device to the point-of-sale device to complete the pending purchase when a subscriber rejection response is received from the second device.
9. The method of claim 8 , wherein determining the subscriber approval response is based on one or more approval rules and wherein the one or more approval rules are associated with monetary limits promulgated by a user.
10. The method of claim 8 , wherein the one or more approval rules are configurable by the second device that approves the first communication device to complete the pending purchase.
11. An information technology system operable for supporting subscriber payment approval, comprising:
an information technology infrastructure that promotes management of rules related to payment approval;
an authorization entity that authorizes charging payment to an account;
a point-of-sale system that receives payment information and requests the authorization entity to authorize charging payment to the account;
a first mobile communication device in communication with the information technology infrastructure, the first mobile communication device obtains purchase information from the point-of-sale system and provides the payment information to the point-of-sale system to complete a purchase; and
a second mobile communication device in communication with the first mobile communication device and the information technology infrastructure, the second mobile communication device responds to a request from the first mobile communication device to approve the first mobile communication device to provide the payment information to the point-of-sale system.
12. The system of claim 11 , wherein the information technology system further comprises a proxy subscriber approval server that responds to a request from the first mobile communication device to approve the first mobile communication device to provide the payment information.
13. The system of claim 12 , wherein the second mobile communication device communicates with the first mobile communication device through the proxy subscriber approval server and wherein the proxy subscriber approval server is approves the first mobile communication device to provide the payment information based on rules when the second communication device does not reply to the proxy subscriber approval server.
14. The system of claim 12 , where in the first mobile communication device communicates directly to the second mobile communication device to dispute an approval rejection by the second mobile communication device.
15. The system of claim 12 , wherein the first mobile communication device sends a request to the proxy subscriber approval server to approve the first mobile communication device to provide the payment information when the second mobile communication device does not respond to the first mobile communication device.