Application, Method and System for Purchasing a Product

Abstract

The present disclosure relates to an application, method and system whereby a consumer uses a payment application 110 operated on an electronic device 100 to purchase a product from a merchant. The application 110 is configured to receive a graphical representation 120 of data that comprises an identification code, extract from the graphical representation 120 of data the identification code, transmit the identification code to a server 130 that can then obtain a transaction amount for the product and return it to the application 110 so that the application 110 can execute a payment transaction between a bank account of the consumer to the merchant for the transaction amount.

1 . An electronic device suitable for use by a consumer for paying a merchant for a product, the electronic device comprising logic configured to:
 receive a graphical representation of data that comprises an identification code;   extract from the graphical representation of data the identification code;   transmit the identification code;   receive a transaction amount in response to the transmitted identification code; and   execute a payment transaction between a bank account of the consumer to the merchant for the transaction amount.   
     
     
         2 . The electronic device of  claim 1 , wherein the identification code identifies the product and the merchant of the product. 
     
     
         3 . (canceled) 
     
     
         4 . (canceled) 
     
     
         5 . The electronic device of  claim 1 , further configured to:
 receive with the transaction amount a request for a delivery address.   
     
     
         6 . The electronic device of  claim 5 , further configured to:
 transmit a product reservation request comprising the identification code and the delivery address; and   receive a confirmation of product reservation.   
     
     
         7 . The electronic device of  claim 6 , wherein the confirmation of product reservation comprises a delivery cost such that the transaction amount on the application is updated to include the delivery cost. 
     
     
         8 . (canceled) 
     
     
         9 . A server for use in the payment by a consumer, using a payment application operated on an electronic device, to a merchant for a product, the server being configured to:
 receive from the application an identification code;   obtain using the identification code a transaction amount for the product; and   transmit the transaction amount to the application.   
     
     
         10 . The server of  claim 9 , wherein the identification code identifies the product and the merchant of the product and the server obtains the transaction amount by being further configured to:
 identify the merchant from the identification code;   transmit a product identifier to a merchant server; and   receive the transaction amount from the merchant server.   
     
     
         11 . The server of  claim 10  being further configured to:
 receive with the transaction amount a set of product options; 
 transmit to the application the set of product options; and 
 receive from the application the product option selected by the consumer from the set of product options. 
 
     
     
         12 . The server of  claim 10 , wherein the identification code further comprises an advertising reference, the server being further configured to:
 transmit the advertising reference to the merchant server.   
     
     
         13 . The server of  claim 8  being further configured to:
 transmit a request for a delivery address to the application; and 
 receive the delivery address from the application or receive an indication that a delivery address stored on the server and associated with the consumer is the delivery address for the product. 
 
     
     
         14 . (canceled) 
     
     
         15 . The server of  claim 13 , being further configured to:
 transmit to the application a delivery cost determined from the delivery address.   
     
     
         16 .- 29 . (canceled) 
     
     
         30 . A system for purchasing a product, the system comprising:
 an electronic device; and   a first server;
 wherein the electronic device is configured for: 
 receiving a graphical representation of data; 
 extracting from the graphical representation of data an identification code; 
 transmitting to the first server the identification code; 
 receiving from the first server a transaction amount; and 
 executing a payment transaction from a bank account of the consumer to a merchant for the transaction amount, 
   and wherein the first server is configured for:
 receiving the identification code from the electronic device; and 
 transmitting the transaction amount to the electronic device. 
   
     
     
         31 . The system of  claim 30 , wherein the identification code identifies the product and the merchant of the product. 
     
     
         32 . The system of  claim 31 , further comprising a second server, wherein:
 the first server is configured for transmitting a product identifier to the second server; and   the second server is configured for transmitting to the first server the transaction amount determined from the product identifier.   
     
     
         33 . The system of  claim 32 , wherein:
 the second server is further configured for transmitting a request for a product quantity selection to the first server; and   the first server is further configured to:   transmit a set of product options to the electronic device; and   receive the product option selected by the consumer from the set of product options from the electronic device;   
     
     
         34 . The system of  claim 32 , wherein the identification code further comprises an advertising reference and the system is further configured to:
 transmit the advertising reference from the electronic device to a first server; and   transmit the advertising reference from the first server to the second server.   
     
     
         35 . The system of  claim 30 , wherein:
 the first server is further configured to:   transmit a request for a delivery address to the electronic device;   receive the delivery address from the electronic device; and   transmit the delivery address to the second server.   
     
     
         36 . The system of  claim 30 , wherein:
 the first server is further configured to:   transmit a request for a delivery address to the electronic device;   receive an indication from the electronic device that a delivery address stored on the first server and associated with the consumer is the delivery address for the product; and   transmit the delivery address to the second server.   
     
     
         37 . The system of  claim 30 , wherein the first server is further configured for transmitting a product purchase notification to a second server, wherein the purchase notification comprises a product identifier, a delivery address of the consumer and the transaction amount. 
     
     
         38 . (canceled) 
     
     
         39 . (canceled) 
     
     
         40 . (canceled) 
     
     
         41 . The system of  claim 30 , wherein the electronic device is a mobile unit. 
     
     
         42 .- 46 . (canceled)