Virtual terminal payer authorization systems and methods

Details Virtual terminal payer authorization systems and methods Virtual terminal payer authorization systems and methods

2011-01-18

2011-01-18

Frenel, Vanel (Department: 3687)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Including point of sale terminal or electronic cash register

Reexamination Certificate

active

07873540

ABSTRACT:
A method of obtaining payer authorization for a purchase instrument transaction with a customer includes using a wireless device of a merchant to contact a virtual terminal service to process the transaction, entering transaction information into the wireless device, which transaction information includes an account identifier relating to the purchase instrument of the customer, forwarding the transaction information from the wireless device to the virtual terminal service, receiving at the wireless device a request from the virtual terminal service to receive payer authorization information from the customer, receiving the payer authorization directly from the customer into the wireless device of the merchant, forwarding the payer authorization from the wireless device to the virtual terminal service, and receiving an approval message from the virtual terminal service at the wireless device of the merchant.

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