The subject technology relates to methods for processing a payment using a mobile card reader. Implementations of the subject technology provide include steps for determining, using a first communication module, a first available bandwidth for data transacted between the card reader and a payment pr
The subject technology relates to methods for processing a payment using a mobile card reader. Implementations of the subject technology provide include steps for determining, using a first communication module, a first available bandwidth for data transacted between the card reader and a payment processing service, and determining, using the second communication module, a second available bandwidth for data transacted between a local device and the payment processing service. In some implementations, the method can further include steps for selecting a communication path for communicating with the payment processing service based on the first available bandwidth and the second available bandwidth. Systems and computer-readable media are also provided.
대표청구항▼
1. A mobile card reader, comprising: one or more processors;a card reader coupled to the one or more processors;a first communication module coupled to the one or more processors; anda second communication module coupled to the one or more processors, and wherein the one or more processors are confi
1. A mobile card reader, comprising: one or more processors;a card reader coupled to the one or more processors;a first communication module coupled to the one or more processors; anda second communication module coupled to the one or more processors, and wherein the one or more processors are configured to perform operations comprising: determining, using the first communication module, a first available bandwidth for data transacted between the card reader and a payment processing service, wherein the payment processing service facilitates verification of a financial transaction between a buyer and a merchant;determining, using the second communication module, a second available bandwidth for data transacted between a local device and the payment processing service, wherein the local device is configured for facilitating communication between the mobile card reader and the payment processing service; andselecting, using the one or more processors, a communication path for communicating with the payment processing service based on the first available bandwidth and the second available bandwidth. 2. The mobile card reader of claim 1, wherein determining the second available bandwidth further comprises: determining, by the processors, an availability of the local device for facilitating communication with the payment processing service. 3. The mobile card reader of claim 1, wherein selecting the communication path further comprises: selecting, using the first communication module, a low-bandwidth transmission service if the first available bandwidth is below a first predetermined threshold. 4. The mobile card reader of claim 3, wherein the low-bandwidth transmission service comprises one or more of: a short messaging service (SMS), a multimedia messaging service (MMS), or an email service. 5. The mobile card reader of claim 1, wherein selecting the communication path further comprises: selecting, using the first communication module, a high-bandwidth transmission service if the first available bandwidth is above a second predetermined threshold. 6. The mobile card reader of claim 5, wherein the high-bandwidth transmission service utilizes a protocol supporting at least one of: an internet protocol (IP), a point-to-point protocol (PPP), or a X.25 protocol. 7. The mobile card reader of claim 1, wherein selecting the communication path further comprises: selecting, using the second communication module, the local device for facilitating communication with the payment processing service if the first available bandwidth is below a third predetermined threshold. 8. A computer-implemented method comprising: determining, by a processor of a mobile card reader, a first available bandwidth for data transacted between the mobile card reader and a payment processing service;determining, by the processor, a second available bandwidth for data transacted between a local device and the payment processing service, wherein the local device is configured for facilitating communication between the mobile card reader and the payment processing service; andselecting, by the processor, a communication path for communicating with the payment processing service based on the first available bandwidth and the second available bandwidth. 9. The computer-implemented method of claim 8, wherein determining the second available bandwidth further comprises: determining, by a processor, an availability of the local device for facilitating communication with the payment processing service. 10. The computer-implemented method of claim 8, wherein selecting the communication path further comprises: selecting, by the processor, a low-bandwidth transmission service if the first available bandwidth is below a first predetermined threshold. 11. The computer-implemented method of claim 10, wherein the low-bandwidth transmission service comprises one or more of: a short messaging service (SMS), a multimedia messaging service (MMS), or an email service. 12. The computer-implemented method of claim 8, wherein selecting the communication path further comprises: selecting, by the processor, a high-bandwidth transmission service if the first available bandwidth is above a second predetermined threshold. 13. The computer-implemented method of claim 8, wherein selecting the communication path further comprises: selecting, by the processor, the local device for facilitating communication with the payment processing service if the first available bandwidth is less than the second available bandwidth. 14. The computer-implemented method of claim 8, wherein selecting the communication path further comprises: selecting, by the processor, the local device for facilitating communication with the payment processing service if the first available bandwidth is less than a third predetermined threshold. 15. A non-transitory computer-readable storage medium comprising instructions stored therein, which when executed by one or more processors, cause the processors to perform operations for facilitating selection of a communication path between a mobile card reader and a payment processing service, the operations comprising: determining, by a processor of a mobile card reader, a first available bandwidth for data transacted between the mobile card reader and a payment processing service;determining, by the processor, a second available bandwidth for data transacted between a local device and the payment processing service, wherein the local device is configured for facilitating communication between the mobile card reader and the payment processing service; andselecting, by the processor, a communication path for communicating with the payment processing service based on the first available bandwidth and the second available bandwidth. 16. The non-transitory computer-readable storage medium of claim 15, wherein determining the second available bandwidth further comprises: determining, by the processors, an availability of the local device for facilitating communication with the payment processing service. 17. The non-transitory computer-readable storage medium of claim 15, wherein selecting the communication path further comprises: selecting, by the processors, a low-bandwidth transmission service if the first available bandwidth is below a first predetermined threshold. 18. The non-transitory computer-readable storage medium of claim 17, wherein the low-bandwidth transmission service comprises one or more of: a short messaging service (SMS), a multimedia messaging service (MMS), or an email service. 19. The non-transitory computer-readable storage medium of claim 15, wherein selecting the communication path further comprises: selecting, by the processors, a high-bandwidth transmission service if the first available bandwidth is above a second predetermined threshold.
연구과제 타임라인
LOADING...
LOADING...
LOADING...
LOADING...
LOADING...
이 특허에 인용된 특허 (148)
Fernandes,Jorge M.; Khan,Mohammad A.; Brown,Kerry D., Adaptor for magnetic stripe card reader.
Lamba, Kartik; Babu, Amish; Rothschild, Adam David Peter; Dorsey, Jack; McKelvey, James M., Card reader with power efficient architecture that includes a power supply and a wake up circuit.
Dorsey, Jack; Henderson, William; Grassadonia, Brian; McKelvey, James M.; Wen, Xuancong, Cost effective card reader and methods to be configured to be coupled to a mobile device.
Dorsey, Jack; Henderson, William; Grassadonia, Brian; McKelvey, James M.; Wen, Xuancong, Decoding system coupled to a payment system that includes a cryptographic key.
Dorsey, Jack; Henderson, William; Grassadonia, Brian; McKelvey, James M.; Wen, Xuancong, Decoding system running on a mobile device and coupled to a payment system that includes at least one of, a user database, a product database and a transaction database.
Dorsey, Jack; Henderson, William; Grassadonia, Brian; McKelvey, James M.; Wen, Xuancong, Decoding systems with a decoding engine running on a mobile device and coupled to a payment system that includes identifying information of second parties qualified to conduct business with the payment system.
Dorsey, Jack; Henderson, William; Grassadonia, Brian; McKelvey, James M.; Wen, Xuancong, Decoding systems with a decoding engine running on a mobile device and coupled to a social network.
Dorsey, Jack; Henderson, William; Grassadonia, Brian; McKelvey, James M.; Wen, Xuancong, Decoding systems with a decoding engine running on a mobile device and using financial transaction card information to create a send funds application on the mobile device.
Dorsey, Jack; Henderson, William; Grassadonia, Brian; McKelvey, James M.; Wen, Xuancong, Decoding systems with a decoding engine running on a mobile device configured to be coupled and decoupled to a card reader with wake-up electronics.
Dorsey, Jack; Henderson, William; Grassadonia, Brian; McKelvey, James M.; Wen, Xuancong, Decoding systems with a decoding engine running on a mobile device with a touch screen.
Thompson John R. (La Quinta CA) Hunting C. J. (Altadena CA) Phipps William L. (Bermuda Dunes CA) Raynesford Steven J. (Cathedral City CA) Rittmueller Philip H. (St. Charles IL), Digital data cryptographic system.
Grant, Alan H.; Gambino, Richard J., Fabrication of a high resolution, low profile credit card reader and card reader for transmission of data by sound.
Schultz Darald R. (Cedar Rapids IA) Koenck Steven E. (Cedar Rapids IA) Rasmussen Jon (Mt. Vernon IA) Rohde John K. (Cedar Rapids IA), Hand-held terminal with display screens, interactive screens, magnetic credit card readers, scanners, printers and handl.
Brunner Norman (Gurnee IL) Pajak Phillip (Western Springs IL) Hilgendorf Douglas (Gurnee all of IL), Memory integrity checking system for a gaming device.
Taylor,Stephen; Cavanagh,John; Williams,Adrian; Harrison,David William, Method and apparatus for cashless transactions via a telecommunications network.
Storck Jean R. (Mougins FRX) Combaluzier Pierre M. (Vallauris FRX), Method and device for effecting a transaction between a first and at least one second data carrier and carrier used for.
Postman, Joel R.; Miller, George B.; Fish, Ronald C., PCMCIA interface card for coupling input devices such as barcode scanning engines to personal digital assistants and palmtop computers.
Dorsey, Jack; Henderson, William; Grassadonia, Brian; McKelvey, Jim, Payment methods with a payment service and tabs selected by a first party and opened by a second party at any geographic location of the first party's mobile device.
Johnson, John M.; Nelson, Roy; Faircloth, Christopher D.; Larsen, Lance, Portable handheld device for wireless order entry and real time payment authorization and related methods.
Henderson Andre D. (Rowlett TX) Fuller William H. (Plano TX) Rotenberry James M. (Richardson TX), Remote control device with credit card reading and transmission capabilities having multiple IR LEDs.
Chang Karl (Honolulu HI) Pape ; III William R. (Papaaloa HI) Crosetti ; Jr. Victor J. (Honolulu HI) Nakamura Lance S. (Pearl City HI) Leong Daniel B. C. (Honolulu HI) Loui Robert K. L. (Honolulu HI), System and method for reading data record stripes on data cards.
Kumar Mohan J. ; Choudhary Rajiv, System for detecting a wireless peripheral device by a host computer transmitting a hail message including a persistent host identifier and a host address generated.
McKelvey, Jim; Wen, Xuancong; Dorsey, Jack, Systems and methods for financial transaction through miniaturized card reader with confirmation of payment sent to buyer.
McKelvey, James M.; Wen, Xuancong, Systems and methods for financial transaction through miniaturized card reader with decoding on a seller's mobile device.
McKelvey, Jim; Wen, Xuancong; Dorsey, Jack, Systems and methods for financial transaction through miniaturized card reader with decoding on a seller's mobile device.
Stoutenburg, Earney; Mollett, Cassandra J.; Price, James; Fillinger, Charles A.; Nelson, Eric M.; Seifert, Dean A.; Singleton, Jeffrey, Systems and methods for performing transactions at a point-of-sale.
Blumstein Paul (Palos Verdes CA) Cole Randy (Los Angeles CA) Cook James (Manhattan Beach CA) Doshi Ashwin (Cerritos CA) Grandcolas Michael (Santa Monica CA) Gryte Stephen (Los Angeles CA) McCallick F, Visually impaired customer activated terminal method and system.
※ AI-Helper는 부적절한 답변을 할 수 있습니다.