Systems and methods for fast mobile payment

Abstract

A method of completing transactions using a device includes displaying a pictogram including transaction details associated therewith by a merchant. The mobile device acquires the pictogram. The mobile device or a remote server decodes the transaction details. The mobile device displays for a user the decoded transaction details. If the decided transaction details are acceptable to the user, the user accepts, via the mobile device, the decoded transaction details. The mobile device transmits a confirmation of acceptance by the user to a remote server. The remote server transmits a payment request for the payment amount reflected in the transaction details to a payment gateway. The payment gateway validates the payment request. The merchant and the device receive a payment confirmation.

1 - 28 . (canceled) 
     
     
         29 . A method of completing transactions using a user device, comprising:
 acquiring, by the user device, a stimulus comprising transaction details encoded therein;   decoding, by at least one of the user device and a remote server, the transaction details from the stimulus;   displaying, by the user device, the decoded transaction details; and   receiving, by the user device, user input indicative of acceptance of the decoded transaction details;
 transmitting, by the user device to the remote server, a confirmation of the acceptance; 
 transmitting, by the remote server to a payment gateway, a payment request for an amount reflected in the transaction details; 
   validating, by the payment gateway, the payment request; and
 receiving, by at least one of the user device and one or more devices of another party to the transaction, a payment confirmation. 
   
     
     
         30 . The method of  claim 29 , wherein the user device acquires the stimulus by scanning a pictogram. 
     
     
         31 . The method of  claim 29 , wherein the transaction details comprise at least one of price information, shipping information, information regarding the another party, delivery estimates, available or applied discounts and promotions, and product information. 
     
     
         32 . The method of  claim 29 , wherein the payment request includes user account information and account information regarding the another party. 
     
     
         33 . The method of  claim 29 , further comprising, prior to acquiring, by the user device, the stimulus:
 transmitting, by the user device, a check-out request to the one or more devices of the another party;   receiving, by the one or more devices of the another party, the check-out request;   transmitting, by the one or more devices of the another party to the remote server, the transaction details;   receiving, by the remote server, the transaction details;   encoding, by the remote server, the transaction details;   generating, by the remote server, the stimulus including the encoded transaction details; and   transmitting, by the remote server to the one or more devices of the another party, a stimulus presentation request.   
     
     
         34 . The method of  claim 29 , wherein the one or more devices of the another party comprises a device for conducting credit card transactions, and wherein prior to acquiring the stimulus by the device, the device for conducting credit card transactions creates and presents the stimulus. 
     
     
         35 . The method of  claim 34 , wherein the device for conducting credit card transactions comprises a pin pad device. 
     
     
         36 . The method of  claim 29 , wherein the stimulus is present on at least one of printed media and digital visual media. 
     
     
         37 . The method of  claim 29 , wherein the stimulus is embedded in at least one of printed media and digital visual media using at least one of steganography and water-marking techniques. 
     
     
         38 . The method of  claim 29 , further comprising:
 transmitting, by the payment gateway to the remote server, a payment authorization code;   receiving, by the remote server, the payment authorization code;   transmitting by the remote server to the one or more devices of the another party, the payment confirmation; and   transmitting, by the one or more devices of the another party to the user device, the payment confirmation.   
     
     
         39 . The method of  claim 29 , wherein the another party is at least one of an individual and an entity that sells goods and/or services. 
     
     
         40 . The method of  claim 29 , wherein the user device, the one or more devices of the another party, the remote server and the payment gateway communicate through a secure connection. 
     
     
         41 . The method of  claim 29 , wherein the user device, the one or more devices of the another party, the remote server and the payment gateway communicate using at least one wireless data network. 
     
     
         42 . The method of  claim 29 , wherein the payment is processed according to a method of payment selected based on predetermined criteria, including at least one of merchant identity, reward points, user balance, and amount of the payment. 
     
     
         43 . The method of  claim 29 , wherein the user device requests at least one of a password, a passphrase, and a pin, if the amount of the payment exceeds a predetermined threshold. 
     
     
         44 . The system of  claim 29 , wherein the user device comprises at least one of a smartphone, a tablet, a portable game console, a computer with scanning capabilities, and a personal digital assistant. 
     
     
         45 . The system of  claim 29 , wherein the stimulus comprises at least one of a barcode, a 2D barcode, a coded picture, a suite of symbols, and an image. 
     
     
         46 . A user device for completing transactions, comprising:
 a user interface for displaying transaction details decoded from a stimulus acquired by the user device; and   a signal interface configured to send a signal indicating acceptance of the decoded transaction details to a remote server for use by the remote server to process the transaction as defined by the transaction details, either directly or as a proxy to a subsystem charged of processing the transaction.   
     
     
         47 . The device of  claim 46 , wherein user device comprises processing hardware for acquiring the stimulus by scanning a pictogram. 
     
     
         48 . The device of  claim 46 , wherein the transaction comprises at least one of a commercial transaction between an individual user and a merchant and a transfer of funds between an individual user and another party. 
     
     
         49 . The device of  claim 46 , wherein the signal interface is further configured to transmit to the remote server a request to register or authenticate a user of the user device, wherein the user is registered or authenticated prior to or at the same time as processing and validation. 
     
     
         50 . The device of  claim 46 , wherein the transaction is completed when the user is registered or authenticated and when the payment is confirmed. 
     
     
         51 . A system for completing transactions, comprising:
 a remote server configured for processing transactions; and   a user device configured to acquire a stimulus comprising transaction details encoded therein, wherein at least one of the user device and the remote server decodes the stimulus, the user device including a user interface configured to display the decoded transaction details, and wherein the user device is configured to transmit a signal indicative of acceptance of the transaction details to the remote server for processing of the transaction.   
     
     
         52 . The system of  claim 51 , wherein the user device is configured to decode the stimulus by decoding the transaction details from the stimulus to a URL, wherein the user device uses the URL to retrieve the transaction details. 
     
     
         53 . The system of  claim 51 , wherein the remote server is configured to transmit a payment confirmation to one or more devices of another party to the transaction, the one or more devices of the another party configured to transmit the payment confirmation to the user device. 
     
     
         54 . The system of  claim 51 , wherein the stimulus comprises at least one of a barcode, a 2D barcode, a coded picture, a suite of symbols, and an image. 
     
     
         55 . The system of  claim 29 , wherein the stimulus comprises at least one of a sound, a vibration, electromagnetic signals, and radio-frequency signals. 
     
     
         56 . The system of  claim 51 , wherein the stimulus comprises at least one of a sound, a vibration, electromagnetic signals, and radio-frequency signals. 
     
     
         57 . A method of completing transactions, comprising:
 acquiring, by one or more local devices of parties to a transaction, a stimulus comprising transaction details encoded therein;   decoding, by at least one of the one or more local devices and a remote server, the transaction details from the stimulus;
 transmitting, by the remote server to a payment gateway, a payment request for an amount reflected in the transaction details; 
   validating, by the payment gateway, the payment request; and   receiving, by at least one of the one or more local devices, a payment confirmation.