Patent ID: 7493284
Filing Date: 2009-02-17
Classification: G06Q

Abstract:
1. Within a wireless computing device, a method of conducting commerce comprising: receiving a user input in the wireless computing device specifying an account to which a proposed transaction is to be billed and an amount for which authorization is being sought in connection with the account and proposed transaction; identifying contact information for a billing entity according to the user specified account, wherein the billing entity manages the account; sending an authorization request from the wireless computing device to the billing entity via a wireless communications link established between the wireless computing device and the billing entity using the contact information, wherein the authorization request identifies the requesting user, the amount to be approved for the transaction, as well as the account to be billed; receiving by the wireless computing device an authorization from the billing entity via the wireless communications link, wherein the authorization specifies information including an identity of the requesting user, the account to be charged, the billing entity, and/or contact information for the billing entity; dynamically encoding by the wireless computing device the billing entity and the authorization received from the billing entity into a pattern using a protocol compatible with a visual image reader of a point of sale (POS) system associated with a merchant processing system; generating a bar code upon a display screen of the wireless computing device from the pattern; presenting the display screen of the wireless computing device to the visual image reader at the POS system; scanning the bar code using the visual image reader; detecting the pattern in the bar code and retrieving the billing entity and the authorization encoded in the pattern; verifying the retrieved authorization with the billing entity retrieved from the pattern; the verification step further comprising the merchant processing system determining contact information of the billing entity retrieved from the bar code, the merchant processing system sending the retrieved authorization to the retrieved billing entity, and the merchant processing system receiving a response from the retrieved billing entity indicating whether the proposed transaction was authorized; and completing the transaction if the retrieved authorization is verified by the retrieved billing entity.