Obtaining information for a payment transaction

Abstract

A computer-readable medium embodies a computer program for obtaining information for a payment transaction. The computer program comprises computer-readable program code for: generating a first message including an identifier and a request for the information, sending the first message via a first communication path, receiving a second message including the information and the identifier via a second path different from the first communication path, and processing the payment transaction using the information obtained in the second message.

What is claimed is: 
     
         1 . A non-transitory computer-readable medium embodying a computer program for obtaining information for a payment transaction, the computer program comprising computer-readable program code for:
 generating a first message including an identifier and a request for the information;   sending the first message via a first communication path;   receiving a second message including the information and the identifier via a second path different from the first communication path; and   processing the payment transaction using the information obtained in the second message.   
     
     
         2 . The computer-readable medium of  claim 1 , the computer program further comprising computer-readable program code for:
 including a payment amount in the first message.   
     
     
         3 . The computer-readable medium of  claim 1 , wherein the information includes at least one of an account number and an account identifier. 
     
     
         4 . The computer-readable medium of  claim 1 , the computer program further comprising computer-readable program code for:
 encoding the first message into an optically-scannable image.   
     
     
         5 . The computer-readable medium of  claim 4 , wherein the payment transaction is an online transaction on a website and the optically-scannable image is presented on a web page of the website. 
     
     
         6 . The computer-readable medium of  claim 4 , wherein the program code for sending the first message via the first communication path comprises computer-readable program code for:
 sending the optically-scannable image for display on a display device of an entity associated with the payment transaction.   
     
     
         7 . The computer-readable medium of  claim 1 , wherein the first message is one of:
 sent using one of a near field communications (NFC) link and a limited distance point-to-point radio; and   transmitted as audio.   
     
     
         8 . The computer-readable medium of  claim 1 , wherein at least a portion of the first message is encrypted using a private key associated with one of an entity associated with the payment transaction and a third party. 
     
     
         9 . The computer-readable medium of  claim 1 , wherein the second message is encrypted with a public key associated with one of an entity associated with the payment transaction and a third party. 
     
     
         10 . The computer-readable medium of  claim 1 , the computer program further comprising computer-readable program code for:
 identifying, from the second message, a shipping address for one or more items associated with the payment transaction.   
     
     
         11 . A non-transitory computer-readable medium embodying a computer program for sending information for a payment transaction, the computer program comprising computer-readable program code for:
 receiving a first message including an identifier and a request for the information via a first communication path;   generating a second message comprising the identifier and the information requested; and   sending, via a second path different from the first communication path, the second message to one of an entity associated with the payment transaction and a third party.   
     
     
         12 . The computer-readable medium of  claim 11 , wherein the message includes an amount for the payment transaction. 
     
     
         13 . The computer-readable medium of  claim 11 , the computer program further comprising computer-readable program code for:
 identifying the first message from an optically-scannable image.   
     
     
         14 . The computer-readable medium of  claim 13 , wherein the program code for identifying the first message from the optically-scannable image comprises computer-readable program code for:
 identifying the first message from the optically-scannable image presented on a web page of a website associated with the payment transaction.   
     
     
         15 . The computer-readable medium of  claim 13 , wherein the program code for identifying the first message from the optically-scannable image comprises computer-readable program code for:
 identifying the first message from the optically-scannable image presented a display device of the entity associated with the payment transaction.   
     
     
         16 . The computer-readable medium of  claim 11 , the computer program further comprising computer-readable program code for:
 receiving the first message using one of a near field communications (NFC) link and a limited distance point-to-point radio; and   identifying the first and message from audio received by the mobile device.   
     
     
         17 . The computer-readable medium of  claim 11 , wherein at least a portion of the first message is encrypted using a private key associated with one of the entity associated with the payment transaction and the third party. 
     
     
         18 . The computer-readable medium of  claim 11 , the computer program further comprising computer-readable program code for:
 encrypting the second message encrypted with public key associated with one of the entity associated with the payment transaction and the third party.   
     
     
         19 . The computer-readable medium of  claim 11 , the computer program further comprising computer-readable program code for:
 including a shipping address for one or more items associated with the payment transaction in the information in the second message.   
     
     
         20 . The computer-readable medium of  claim 11 , the computer program further comprising computer-readable program code for:
 requesting, before sending the second message, an input from a user of the mobile device to verify that the user is an authorized user of the mobile device.   
     
     
         21 . The computer-readable medium of  claim 20 , wherein the input is at least one of a personal identification number, a password, a biometric input, a predefined gesture on a touch screen of the mobile device, and a predefined pattern of movement of the mobile device. 
     
     
         22 . A method for obtaining information for a payment transaction, the method comprising:
 generating a first message including an identifier and a request for the information;   sending the first message via a first communication path;   receiving a second message including the information and the identifier via a second path different from the first communication path; and   processing the payment transaction using the information obtained in the second message.