METHOD AND SYSTEM FOR FACILITATING A PAYMENT TRANSACTION WITH A MOBILE PAYMENT SERVER
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 facilitating a mobile 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 a transaction processing component of a transaction processing system, upon determination by the transaction processing component that a mobile payment indicator is contained in a transaction message, a mobile device identifier also contained in the transaction message;
utilizing the mobile device identifier to contact the customer mobile device to obtain a response from the customer mobile device to facilitate the transaction;
retrieving payment account information based on the response obtained from the customer mobile device; and
providing the payment account information to the transaction processing component to process the transaction.
2 . The method of claim 1 wherein the step of utilizing the mobile device identifier to contact the customer mobile device comprises contacting the customer mobile device to obtain an assent to pay for the transaction, and wherein the step of providing payment account information comprises providing payment account information only upon obtaining the assent to pay for the transaction.
3 . The method of claim 1 wherein the step of utilizing the mobile device identifier to contact the customer mobile device comprises contacting the customer mobile device to obtain a payment account selection, and wherein the step of retrieving payment account information comprises retrieving payment account information that corresponds to the payment account selection.
4 . The method of claim 1 , further comprising the steps of:
obtaining, from the transaction processing component, transaction information also contained in the transaction message; and
providing the transaction information to the customer mobile device to facilitate the transaction.
5 . The method of claim 4 wherein the step of obtaining the transaction information comprises obtaining a cost of the transaction, and wherein the step of providing the transaction information comprises providing the cost of the transaction to the customer mobile device.
6 . The method of claim 4 wherein the step of utilizing the mobile device identifier to contact the customer mobile device comprises contacting the customer mobile device to obtain an assent to pay for the transaction, and wherein the step of providing payment account information comprises providing payment account information only upon obtaining the assent to pay for the transaction.
7 . The method of claim 4 wherein the step of utilizing the mobile device identifier to contact the customer mobile device comprises contacting the customer mobile device to obtain a payment account selection, and wherein the step of retrieving payment account information comprises retrieving payment account information that corresponds to the payment account selection.
8 . The method of claim 1 , further comprising the step of storing, prior to the mobile payment transaction, the payment account information in a secure module.
9 . The method of claim 1 wherein the step of obtaining the mobile device identifier comprises obtaining a telephone number of the customer mobile device, and wherein the step of utilizing the mobile device identifier to contact the customer mobile device comprises utilizing the telephone number to contact the customer mobile device.
10 . The method of claim 1 wherein the step of obtaining the mobile device identifier comprises obtaining a value that has been uniquely derived from the telephone number of the customer mobile device, and wherein the step of utilizing the mobile device identifier to contact the customer mobile device comprises the steps of extracting the telephone number from the uniquely derived value and utilizing the telephone number to contact the customer mobile device.
11 . A mobile payment server for facilitating a mobile payment transaction between a merchant having a merchant system and a customer having a customer mobile device, the mobile payment server comprising:
means for obtaining, from a transaction processing component of a transaction processing system, upon determination by the transaction processing component that a mobile payment indicator is contained in a transaction message, a mobile device identifier also contained in the transaction message;
means for utilizing the mobile device identifier to contact the customer mobile device to obtain a response from the customer mobile device;
means for retrieving payment account information based on the response obtained from the customer mobile device; and
means for providing the payment account information to the transaction processing component to process the transaction.
12 . The mobile payment server of claim 11 wherein the means for utilizing the mobile device identifier to contact the customer mobile device comprises means for contacting the customer mobile device to obtain an assent to pay for the transaction, and wherein the means for providing the payment account information comprises means for providing payment account information only upon obtaining the assent to pay for the transaction.
13 . The mobile payment server of claim 11 wherein the means for utilizing the mobile device identifier to contact the customer mobile device comprises means for contacting the customer mobile device to obtain a payment account selection, and wherein the means for retrieving payment account information comprises means for retrieving payment account information that corresponds to the payment account selection.
14 . The mobile payment server of claim 11 , further comprising:
means for obtaining, from the transaction processing component, transaction information also contained in the transaction message; and
means for providing the transaction information to the customer mobile device to facilitate the transaction.
15 . The mobile payment server of claim 14 wherein the means for obtaining the transaction information comprises means for obtaining a cost of the transaction, and wherein the means for providing the transaction information comprises means for providing the cost of the transaction to the customer mobile device.
16 . The mobile payment server of claim 14 wherein the means for utilizing the mobile device identifier to contact the customer mobile device comprises means for contacting the customer mobile device to obtain an assent to pay for the transaction, and wherein the means for providing the payment account information comprises means for providing payment account information only upon obtaining the assent to pay for the transaction.
17 . The mobile payment server of claim 11 wherein the means for utilizing the mobile device identifier to contact the customer mobile device comprises means for contacting the customer mobile device to obtain a payment account selection, and wherein the means for retrieving payment account information comprises means for retrieving payment account information that corresponds to the payment account selection.
18 . The mobile payment server of claim 11 , further comprising a hardware security module which stores the payment account information prior to the mobile payment transaction.
19 . The mobile payment server of claim 11 wherein the means for obtaining the mobile device identifier comprises means for obtaining a telephone number of the customer mobile device, and wherein the means for utilizing the mobile device identifier to contact the customer mobile device comprises means for utilizing the telephone number to contact the customer mobile device.
20 . The mobile payment server of claim 11 wherein the means for obtaining the mobile device identifier comprises obtaining a value that has been uniquely derived from a telephone number of the customer mobile device, and wherein the means for utilizing the mobile device identifier to contact the customer mobile device comprises means for extracting the telephone number from the uniquely derived value and utilizing the extracted telephone number to contact the customer mobile device.