Mobile payment system and method

Abstract

A merchant web site automatically detects whether a customer device has a registered payment application; if so, the web site generates a custom protocol message that is triggered on checkout to initiate payment via the payment application. Details of the transaction are passed to the payment application via a payment server so that the user can authorise the transaction within the payment application.

1 . A computer implemented method of providing candidate information associated with an ID candidate from a verification service to an ID checker, the ID candidate having a first communication device and the ID checker having a second communication device, the method comprising:
 a) obtaining a challenge code from the verification service at one of the first and second devices;   b) passing the challenge code from the first device to the other of the first and second devices;   c) verifying the passed challenge code with the verification service and, if the challenge code is verified,   d) providing the candidate information from the verification service to one of the first and second devices, such that the candidate information is accessible to the ID checker under the control of the ID candidate.   
     
     
         2 . The method of  claim 1 , wherein the challenge code does not contain identity information pertaining to the ID candidate. 
     
     
         3 . The method of  claim 1 , wherein the candidate information is provided to the first device, for output to the ID checker. 
     
     
         4 . The method of  claim 1 , wherein the candidate information is provided to the second device. 
     
     
         5 . The method of  claim 4 , wherein the step of providing candidate information comprises sending an approval request to the first device, and if approval is confirmed on the first device, sending the candidate information to the second device. 
     
     
         6 . The method of  claim 5 , wherein the candidate information comprises a plurality of items, one or more of the items is selected for approval on the first device, and the selected one or more items are sent to the second device. 
     
     
         7 . The method of  claim 1 , including specifying, on the second device, the candidate information required. 
     
     
         8 . The method of  claim 7 , wherein the required candidate information includes a confirmation that a specified criterion is met. 
     
     
         9 . The method of  claim 7 , wherein the approval request indicates the candidate information required. 
     
     
         10 . The method of  claim 1 , including, if the challenge code is verified, sending an acknowledgement message to at least one of the first and second devices. 
     
     
         11 . The method of  claim 10 , wherein the acknowledgement message includes the candidate information provided. 
     
     
         12 . The method of  claim 1 , including, if the challenge code is verified, providing a validation code to the first and second devices. 
     
     
         13 . The method of  claim 12 , wherein the validation code comprises a one-time code. 
     
     
         14 . The method of  claim 12 , wherein the validation code is randomly or pseudo-randomly selected from a predefined set of codes. 
     
     
         15 . The method of  claim 12 , wherein the validation code comprises a graphical image. 
     
     
         16 . The method of  claim 12 , wherein the validation code is provided in response to a request from one or bath of the first and second devices. 
     
     
         17 . The method of  claim 16 , wherein a further validation code is provided in response to a request from one or bath of the first and second devices. 
     
     
         18 . The method of  claim 12 , wherein the validation code is output by both the first and second devices. 
     
     
         19 . The method of  claim 1 , wherein the ID candidate is authenticated with the first device. 
     
     
         20 . The method of  claim 1 , wherein the ID checker is authenticated with the second device. 
     
     
         21 . The method of  claim 1 , wherein the first device is a mobile communication device. 
     
     
         22 . The method of  claim 1 , wherein the second device is a mobile communication device. 
     
     
         23 . The method of  claim 1  wherein the challenge code is displayed as a code and is passed by scanning. 
     
     
         24 . The method of  claim 23 , wherein the challenge code is displayed as a machine-readable code. 
     
     
         25 . The method of  claim 24 , wherein the challenge code is displayed as a two-dimensional code. 
     
     
         26 . A non-transitory computer readable storage medium storing a computer program including program code means arranged to perform the method of  claim 1 , when executed by a suitably arranged processor or processors. 
     
     
         27 . A computer program product comprising the non-transitory computer readable storage medium of  claim 26 . 
     
     
         28 . Apparatus arranged to perform the method of  claim 1 . 
     
     
         29 . A system for providing candidate information, the system comprising:
 a) a first device associated with an ID candidate,   b) a second device associated with an ID checker,   c) a verification service, and   d) a database,   wherein one of the first and second devices is arranged to obtain a challenge code from the verification service;   wherein the other of the first and second devices is arranged to capture the challenge code and to verify the challenge code with the verification service; and   wherein the verification service is arranged to provide the candidate information from the data base in response to verification of the challenge code,   such that the candidate information is accessible to the ID checker under the control of the ID candidate.   
     
     
         30 . A non-transitory computer readable storage medium storing an ID checker application comprising program code arranged to perform the following steps:
 a) capture a challenge code from a device associated with an ID candidate; and   b) verify the challenge code with a verification service;   such that candidate information associated with the ID candidate is provided.   
     
     
         31 . A non-transitory computer readable storage medium storing an ID candidate application comprising program code arranged to perform the following steps:
 a) request a challenge code from a verification service; and   b) output the challenge code to a device associated with an ID checker;   such that candidate information associated with the ID candidate is provided.