Patent ID: 9292846
Filing Date: 2016-03-22
CPC Classification: G06Q

Claim Text:
1. A method of mobile device transaction approval, the method comprising: receiving, at a payment authority server, a mobile device identifier of a mobile device and a request for a transaction authorization; generating, at the payment authority server, a payment code for the mobile device based on the mobile device identifier and the request for the transaction authorization, wherein the payment code corresponds to a plurality of forms of tender associated with the mobile device identifier at the payment authority server; transmitting the payment code to the mobile device; receiving, at the payment authority server, a transaction amount, a merchant identifier of a merchant, and the payment code from a point of sale (POS) system; applying, at the payment authority server, the plurality of forms of tender to the transaction amount; generating, at the payment authority server, a unified approval code for transmission to the POS system, the unified approval code instructing the POS system to apply funds from the multiple forms of tender to the transaction; and transmitting the unified approval code to the POS system.