Method and system for processing a mobile payment transaction
View Patent ↗In a transaction between a merchant and a customer, a mobile payment token is provided which includes a mobile payment indicator that indicates payment is to be facilitated by interaction with a customer mobile device, and a mobile device identifier that uniquely identifies the customer mobile device. The mobile payment token is provided in a transaction message to a transaction processing component in place of, and consistent with a format of, a primary account number (PAN). The transaction processing component, upon determining the transaction message contains a mobile payment indicator, sends the mobile device identifier to a mobile payment server which uses the mobile device identifier to interact with the customer mobile device to facilitate the payment transaction. Based on a reply from the customer mobile device, the mobile payment server provides information to the transaction processing component to complete the transaction.
1. A method of processing a payment transaction between a merchant having a merchant system and a customer having a customer mobile device, the method comprising the steps of:
obtaining, from the merchant system, a transaction message that includes a primary account number field;
determining whether the primary account number field contains a mobile payment indicator;
routing the transaction message to a selected one of a plurality of transaction processing components of a transaction processing system, based on the mobile payment indicator contained in the transaction message;
based on determining that the primary account number field contains the mobile payment indicator, providing to a mobile payment server a mobile device identifier also contained in the primary account number field, the mobile device identifier to be used by the mobile payment server to contact the customer mobile device;
obtaining, from the mobile payment server, payment account information retrieved by the mobile payment server based on a confirmation provided by the customer mobile device to the mobile payment server; and
processing the transaction based on the payment account information obtained from the mobile payment server.
2. The method of claim 1 wherein the step of processing the transaction comprises processing the transaction only when an assent to pay has been obtained by the mobile payment server from the customer mobile device.
3. The method of claim 1 wherein the step of obtaining payment account information from the mobile payment server comprises obtaining payment account information retrieved by the mobile payment server based on a payment account selection obtained by the mobile payment server from the customer mobile device.
4. The method of claim 1 wherein the step of obtaining the transaction message further comprises obtaining a transaction message that includes transaction information associated with the transaction, and further comprising the step of providing, upon determination that the primary account number field includes the mobile payment indicator, the transaction information to the mobile payment server to provide to the customer mobile device to facilitate the payment.
5. The method of claim 4 wherein the step of obtaining the transaction message that includes the transaction information further comprises obtaining a transaction message that includes a cost of the transaction, and wherein the step of providing the transaction information further comprises providing the cost of the transaction to provide to the customer mobile device.
6. The method of claim 4 wherein the step of processing the transaction comprises processing the transaction only when an assent to pay has been obtained by the mobile payment server from the customer mobile device.
7. The method of claim 4 wherein the step of obtaining payment account information from the mobile payment server comprises obtaining payment account information retrieved by the mobile payment server based on a payment account selection obtained by the mobile payment server from the customer mobile device.
8. The method of claim 1 wherein the step of providing the mobile device identifier comprises providing a telephone number of the customer mobile device to be used by the mobile payment server to contact the customer mobile device.
9. The method of claim 1 , wherein the step of providing the mobile device identifier comprises extracting a telephone number of the customer mobile device from a value that has been uniquely derived from the telephone number and providing the extracted telephone number to be used by the mobile payment server to contact the customer mobile device.
10. The method of claim 1 , further comprising the step of returning a result of processing the payment to at least one of the merchant system and the customer mobile device.