System for personalized payments via mobile devices
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United States of America Patent
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Jun 24, 2014
Grant Date -
Apr 9, 2009
app pub date -
Dec 26, 2007
filing date -
Oct 3, 2007
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
A method includes receiving transaction information at a mobile device from a merchant device. The transaction information includes a transaction amount and merchant information that identifies a merchant that operates the merchant device. The method further includes generating a funds transfer request in the mobile device. The funds transfer request includes the merchant information, information that indicates the transaction amount and information that identifies a customer of the merchant. The funds transfer request is for requesting that funds be transferred from a payment card account that belongs to the customer to a payment card account that belongs to the merchant. The method also includes transmitting, from the mobile device, the funds transfer request, to a financial institution that issued the customer's payment card account.
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