Techniques for mobile transaction processing
Techniques for automated mobile transaction processing are provided. A consumer traverses to a web portal or other type of enterprise terminal device of an enterprise and proceeds to shop. During checkout, the portal contacts a transaction service and is delivered back an identifying barcode or Quick Response (QR) code. The consumer uses a mobile device to scan the code and send it to the transaction service. Previously registered payment details of the consumer are located and payment is received from the consumer. The portal is notified that payment is completed by the transaction service.
1. A method, comprising:
registering, by a registration service of a retailer, a consumer with a loyalty program of the retailer;
obtaining, by the registration service, permission from the consumer during the registering for engaging transaction features of a transaction sever;
providing, by the registration service, details of an account of the consumer with the retailer to the transaction server based on the obtaining, wherein the account is maintained as a preregistered account by the transaction server;
providing, by a transaction server, a mobile application, to a mobile device of the consumer for the consumer to interact with the transaction server and a retail terminal device of the retailer;
communicating between the retail terminal device of the retailer and the mobile device of the consumer using the mobile application of the mobile device, wherein communicating further includes initiating a transaction that is initiated by the consumer through the mobile application;
identifying, by the retail terminal device, a processing point for the transaction where a payment is required from the consumer for proceeding with the transaction;
sending, by the mobile application, a request for payment processing of the payment along with a Uniform Resource Locator (URL) link to a session between the retail terminal device and the mobile device for the transaction to the transaction server;
acquiring, by the transaction server, the request for payment processing of the payment and the URL link for the session;
generating, by the transaction server, a token identifying the consumer, the session, and the retailer;
providing, by the transaction server, the token to the retail terminal device;
displaying, by the retail terminal device, the token;
scanning, by the mobile application of the mobile device, the token from the retail terminal device;
signing, by the mobile application of the mobile device, the token;
providing, by the mobile application of the mobile device, the token that is signed to the transaction server;
receiving, by the transaction server, the token that is signed from the mobile application of the mobile device;
validating, by the transaction server, that the token is signed and received from the mobile device;
associating, by the transaction server, the token with the transaction, the consumer and the preregistered account of the consumer, the payment, and the retail terminal device, wherein the preregistered account comprising payment details;
processing, by the transaction server, the payment details completing payment for the transaction;
providing, by the transaction server, an indication to the retail terminal device indicating that the payment was processed for the transaction; and
receiving, by the retail terminal device, the indication.
2. The method of claim 1 , wherein communicating further includes communicating with the consumer through one or more website pages of a web portal for an enterprise associated with the retail terminal device.
3. The method of claim 1 , wherein the retail terminal device is a kiosk.