A system and method for merchant discovery and transfer of...

G - Physics – 06 – Q

Patent

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G06Q 20/40 (2012.01) G06Q 20/32 (2012.01)

Patent

CA 2682610

A method and system are provided for communicating with a merchant server and transferring payment data in a transaction between a mobile device and a merchant server. A user of the mobile device has a user identifier registered with the system and the merchant server has a merchant identifier registered with the system. The method comprises the steps of: receiving the merchant identifier from the mobile device; determining a merchant server address associated with the merchant identifier; establishing a communication channel with the merchant server; exchanging interactive information requests and responses between the merchant server and the mobile device; determining payment data associated with the user identifier; and providing the payment data to the merchant server.

L'invention concerne un système et un procédé pour communiquer avec un serveur de vendeur et transférer des données de paiement dans une transaction entre un dispositif mobile et un serveur de vendeur. Un utilisateur du dispositif mobile a un identifiant d'utilisateur enregistré sur le système et le serveur de vendeur a un identifiant de vendeur enregistré sur le système. Le procédé comprend les étapes consistant à : recevoir l'identifiant de vendeur en provenance du dispositif mobile ; déterminer une adresse de serveur de vendeur associée à l'identifiant de vendeur ; établir un canal de communication avec le serveur de vendeur ; échanger des requêtes et des réponses d'informations interactives entre le serveur de vendeur et le dispositif mobile ; déterminer des données de paiement associées à l'identifiant d'utilisateur ; et fournir les données de paiement au serveur de vendeur.

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