First Data Corporation

J Scott Sanchez

Vijay Kumar Royyuru

Jerome Wendell Myers

Brent Dewayne Adkisson

Dominic John Morea

Christopher T Cox

Bradley T Masterson

William D Anderson

Scott Christopher Francis

An on-site consumer at a merchant location can obtain payment authorization and a payment method via a mobile device and mobile application from third-party payor that is not at the merchant location. The on-site consumer can select products for purchase and receive the price from the merchant POS device. The on-site consumer can initial the mobile application and select a third-party payor. A notification can be sent to the mobile or other device of the third-party payor. The third-party payor can elect to pay or decline the request and can select a payment method via the mobile application on their device. The decision of the third-party payor and any payment method can be transmitted to the mobile device of the on-site consumer and/or the merchant POS device. After the completion of the purchase, the mobile application can transmit an electronic receipt to the mobile device of the third-party payor.

Systems and methods for facilitating remote authorization and payment of goods via mobile commerce

Provided are systems and methods for facilitating bill payment functionality in mobile commerce. In one embodiment, a method can include receiving a transaction code at the mobile device, transmitting the transaction code to a merchant device for association with a transaction, receiving transaction information associated with a transaction based on the transaction code at the mobile device, displaying the transaction information at the mobile device; displaying at least one payment option at the mobile device, receiving a selection of one of the at least one payment option; transmitting the selected payment option and transaction information from the mobile device for approval of the payment of the transaction, receiving notification of approval of the payment at the mobile device, and receiving a payment completion code associated with the notification of approval, wherein the payment completion code is provided to the consumer on a bill associated with the transaction.

Systems and methods for facilitating bill payment functionality in mobile commerce

Systems and methods for tokenizing financial information are provided, including embodiments relating to authorizing payment or sale transactions using verbal recognition of a customer or user. In some embodiments, a payment transaction service provider system may receive payment authorization information from a user device. The payment authorization information may include a recording. The payment authorization information may be authenticated based at least in part on the recording. A payment credential may be communicated in response to authenticating the payment authorization information.

Systems and methods for tokenizing financial information

This disclosure describes systems, methods, and computer-readable media related to facilitating item searching and linking transactions functionality in mobile commerce. In some embodiments, a user device may receive an identification of an item from a user. The user device may receive one or more search parameters. The user device may facilitate a search for the item based at least in part on the identification of the item and the one or more search parameters. The user device may insert the item into a lifecycle shopping list. The user device may store the lifecycle shopping list.

Systems and methods for facilitating item searching and linking transactions functionality in mobile commerce

A consumer can receive a new credit application at their mobile device. The consumer can complete and electronically transmit the credit application via a mobile application on their mobile device. A transaction processing system can receive the credit application and electronically pass it along to the financial institution issuing the credit for a determination on the credit application. An approval or denial can be electronically received by the transaction processing system from the financial institution. If approved, the transaction processing system can forward the approval along with the new credit account information and a code or other device to allow the consumer to immediately use the new credit account. The mobile device can receive the approval via the mobile application as well as any coupons associated with the new account and can provide the consumer with a mechanism to immediately purchase items with the newly approved credit account.

Growing community of inventors

Atlanta, GA, United States of America

J Scott Sanchez