US 11,797,953 B2
Electronic payment system including merchant server and associated methods
Siamak Sartipi, Waterloo (CA)
Assigned to MALIKIE INNOVATIONS LIMITED, Dun Laoghaire (IE)
Filed by Siamak Sartipi, Waterloo (CA)
Filed on Oct. 2, 2009, as Appl. No. 12/572,751.
Claims priority of provisional application 61/117,516, filed on Nov. 24, 2008.
Prior Publication US 2010/0131415 A1, May 27, 2010
Int. Cl. G06Q 20/02 (2012.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); G06Q 30/0226 (2023.01)
CPC G06Q 20/02 (2013.01) [G06Q 20/204 (2013.01); G06Q 20/325 (2013.01); G06Q 20/326 (2020.05); G06Q 20/40 (2013.01); G06Q 20/401 (2013.01); G06Q 30/0233 (2013.01)] 15 Claims
OG exemplary drawing
 
1. A communication system for supporting electronic payments for transactions, the communication system comprising:
a mobile wireless communications device configured to:
store information for a plurality of purchaser accounts for a single user of the mobile wireless communications device; and
generate a transaction identification (ID) and send a first communication comprising a transaction ID to a payment processor server over a wireless network; and
provide the transaction ID to a point of sale (POS) terminal; and
the payment processor server, configured to:
receive the first communication comprising the transaction ID from the mobile wireless communications device and a second communication comprising the transaction ID and transaction information sent by the POS terminal, wherein the transaction ID sent by the POS terminal is obtained by the POS terminal from the mobile wireless communications device;
determine that the transaction ID received in the second communication matches the transaction ID received in the first communication;
send the transaction information to said mobile wireless communications device after determining that the transaction ID received in the second communication matches the transaction ID received in the first communication;
said mobile wireless communications device also configured to, after receiving the transaction information from the payment processor server:
display the plurality of purchaser accounts stored at the mobile wireless communications device;
receive user input selecting at least two of the plurality of purchaser accounts and associated amounts for payment of a purchase amount from the display of the plurality of purchaser accounts, each selected purchaser account being associated with a different financial institution;
display a prompt for entry of account access information for at least one of the at least two selected purchaser accounts by the user;
receive user-entered account access information in response to the prompt; and
send confirmation of the transaction information and access information for each of the at last two selected purchaser accounts, including the user-entered account access information, in a single transmission to said payment processor server;
said payment processor server also configured to effect a transfer of funds from the at least two selected purchaser accounts to a merchant account based upon the confirmation of the transaction information and the access information.