ELECTRONIC COMMERCE NETWORK WITH MOBILE TRANSACTIONS
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United States of America Patent
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N/A
Issued Date -
Jan 9, 2014
app pub date -
Jul 3, 2013
filing date -
Jul 5, 2012
priority date (Note) -
Abandoned
status (Latency Note)
Importance
Abstract
A commerce network that processes a mobile transaction detects a mobile device of a user entering a store, the user having a corresponding user account that includes one or more tenders. The network creates a payment token corresponding to the detecting and registers it with the store. The network receives a personal identification number (“PIN”) from the user and authenticates the PIN. The network receives a basket of goods of one or more items selected by the user for purchase, the basket of goods including line level data for the items. The network then selects one or more payment tenders from the one or more tenders based at least on the line level data and validates and authorizes the selected payment tenders.
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