US20140164156A1 - Financial transaction processing with digital artifacts and a default payment method using a mobile communications device - Google Patents
Financial transaction processing with digital artifacts and a default payment method using a mobile communications deviceDownload PDFInfo
- Publication number
- US20140164156A1 US20140164156A1US14/179,931US201414179931AUS2014164156A1US 20140164156 A1US20140164156 A1US 20140164156A1US 201414179931 AUS201414179931 AUS 201414179931AUS 2014164156 A1US2014164156 A1US 2014164156A1
- Authority
- US
- United States
- Prior art keywords
- mobile device
- payment
- digital artifact
- transaction
- management server
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Abandoned
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Definitions
- the present inventionrelates to data communications and wireless devices.
- Mobile communication devicese.g., cellular phones, personal digital assistants, and the like—are increasingly being used to conduct payment transactions as described in U.S. patent application Ser. No. 11/933,351, entitled “Method and System For Scheduling A Banking Transaction Through A Mobile Communication Device”, and U.S. patent application Ser. No. 11/467,441, entitled “Method and Apparatus For Completing A Transaction Using A Wireless Mobile Communication Channel and Another Communication Channel, both of which are incorporated herein by reference.
- Such payment transactionscan include, for example, purchasing goods and/or services, bill payments, and transferring funds between bank accounts.
- this specificationdescribes a method and system for conducting an online payment transaction through a point of sale device.
- the methodincludes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user,
- the methodfurther includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
- the point of sale devicecan be a desktop computer, a laptop computer, or a terminal
- the mobile communication devicecan be a cellular phone, a wireless personal digital assistant (PDA), or a laptop computer.
- the cellular phonecan be an NFC-enabled phone.
- Sending payment authorization for the total purchase amount from the point of sale device to a payment entitycan include sending the payment authorization securely to the payment entity.
- the payment entitycan be a person, a computer system, or a bank.
- the methodcan further include maintaining a shopping list on the mobile communication device of the user, in which the shopping list includes a listing of one or more items to be purchased by the user.
- the payment authorizationcan be an authorization for payment with a credit card, a debit card, or a prepaid card.
- FIG. 1illustrates a block diagram of a communication system including a wireless mobile communication device and a management server in accordance with one implementation.
- FIG. 2illustrates one implementation of the wireless mobile communication device of FIG. 1 .
- FIG. 3is a method for conducting a payment transaction using a point of sale device in accordance with one implementation.
- FIG. 4illustrates a block diagram of a communication system including a wireless mobile communication device and an online store in accordance with one implementation.
- FIG. 5is a block diagram of a data processing system suitable for storing and/or executing program code in accordance with one implementation.
- FIG. 1illustrates one implementation of a communication system 100 .
- the communication system 100includes a hand-held, wireless mobile communication device 102 a point-of-sale device 104 and a management server 106 .
- the mobile communication device 102includes a mobile application (discussed in greater detail below) that permits a user of the mobile communication device 102 to conduct payment transactions.
- Payment transactionscan include, for example, using contactless payment technology at a retail merchant point of sale (e.g., through point of sale device 104 ), using mobile/internet commerce (e.g., purchase tickets and products, etc.), storage of payment information and other digital artifacts (e,g., receipts, tickets, coupons, etc.), storage of banking information (payment account numbers, security codes, PIN's, etc.), and accessing banking service (account balance, payment history, bill pay, fund transfer, etc.), and so on.
- the mobile communication device 102can be a cellular phone, a wireless personal digital assistant (PDA), a laptop computer, or other wireless communication device.
- the point of sale device 104can be a desktop computer, laptop computer, terminal, or other device that is configured to receive user input selecting items for purchase or other transaction.
- authorizations for payment transactions that are made through the point of sale device 104are sent from the point of sale device 104 to an issuer authorization (e.g., management server 106 ) through the mobile communication device 102 (as shown in FIG. 1 ).
- an issuer authorizationis a payment entity that either approves or disapproves a payment transaction.
- An issuer authorizationcan be, e.g., a person, computer system, bank (or other third party).
- sensitive user informatione.g. account numbers, pin numbers, and/or identity information
- Such operationreduces the potential for identity theft and/or fraudulent purchases made through a point of sale device. For example, (in one implementation) payment authorizations cannot be sent to an issuer authorization if the mobile communication device 102 is turned off.
- FIG. 2illustrates one implementation of the mobile communication device 102 .
- the mobile communication device 102includes a mobile application 200 that (in one implementation) is provided to the mobile communication device 102 through a remote server (e.g., management server 106 ).
- the mobile applicationis a Mobile Wallet application available from Mobile Candy Dish, Inc., of Alameda, Calif.
- the mobile applicationis a hosted service, as described in U.S. patent application Ser. No. 11/939,821, entitled “Method and System For Securing Transactions Made Through a Mobile Communication Device”, which is incorporated herein by reference.
- the mobile application 200is configured to send requests to the management server for artifacts based on user input, e.g., received though a keypad (not shown) of the mobile communication device 102 .
- Requests to the management server 106can also be automated, via proximity-based services, e.g., consumer tapping (or in close proximity) an LBS/contactless/RFID enabled phone against a smart poster (RFID/Bluetooth/LBS enabled, etc.), kiosk, or other device.
- the mobile application 200 running on the mobile communication device 102is configured to receive artifacts (e.g., advertisements, receipts, tickets, coupons, media, content, and so on) from. the management server 106 .
- the management server 106sends artifacts to the mobile application based on user profile information and/or a transaction history (or payment trends) associated with a user of the mobile communication device 102 as described in U.S. patent application Ser. No. 11/944,267, entitled “Method and System For Delivering Information To a Mobile Communication Device Based On Consumer Transactions”, which is incorporated herein by reference.
- the mobile communication device 102is an NEC-enabled phone.
- the mobile communication device 102can be NFC-enabled, for example, through an embedded chip or a sticker that is affixed to the cellular phone, as described in U.S. application Ser. No. 11/933,321, entitled “Method and System For Adapting a Wireless Mobile Communication Device For Wireless Transactions”, which is incorporated herein by reference.
- the NEC chip (or sticker) on the cellular phonecan be used in conjunction with a merchant's point of sale device as described in greater detail below.
- the NEC chip (or sticker) on the cellular phonecan communicate with NEC chips that are installed on the front of PC's (TV's, Kiosks, or any other device) and serve as scanners/readers.
- a mobile candy dish applete.g., MCD POS plugin 414
- MCD POS plugin 414is installed on the consumer's computer (e.g., PC 404 ) which interfaces with the NEC chip on the PC.
- the consumerthen waves their phone over the NEC reader present on the PC 404 .
- the consumer's payment credentialsare transferred from the phone to the merchant website (e.g., online store application 410 ) using a communication protocol between the chip in the phone and the chip in the PC, which can be radio frequency for example.
- the consumerhas coupons in their mobile wallet the consumer can either elect to manually apply the coupon, save the coupon for a future use (against a larger purchase for example), or have the coupon automatically applied during the transaction and the transaction amount is updated.
- any necessary validation informatione.g., pin
- the mobile walletcan retrieve transaction data, account balance from the management server 408 .
- the mobile communication device 102is a non NFC-enabled phone.
- the consumerconnects his phone to the PC 404 via some non radio frequency method (e.g., IR, Bluetooth, USB cable, etc.).
- some non radio frequency methode.g., IR, Bluetooth, USB cable, etc.
- the consumeropens his mobile wallet and selects one of the payment methods (e.g., credit card, debit card, prepaid card, etc.) from their mobile wallet. If a default card has been selected already, this step is not necessary.
- the consumerthen pushes, e.g., a “Buy now” button and the consumer's payment credentials are transferred from the phone to the merchant website (e.g., online store application 410 ) using the protocol between the phone and the PC 404 which can be radio frequency, for example.
- the merchant websitee.g., online store application 410
- the consumercan either elect to manually apply the coupon, save the coupon for a future use, or have the coupon automatically applied during the transaction and the transaction amount is updated.
- any necessary validation informatione.g., pin
- the mobile walletcan retrieve transaction data and account balance from the management server 408 .
- the management server 408 and merchant portalare maintained by trusted parties and use an encrypted tunnel to transfer financial data.
- the consumerWhen the consumer is ready to pay for their online product, they enter their cell phone number on the merchant portal.
- the merchant portalwhich has an MCD applet (e.g., MCD POS plugin 414 ) installed on its server) securely connects to the management server 408 (that in one implemetation is maintained by Mobile Candy Dish (MCD)).
- MCDMobile Candy Dish
- the management server 408identifies the consumer through their cell phone number, and verifies the consumer's authenticity by sending a unique transaction code to the consumer mobile wallet on their cell phone. The consumer then enters this unique transaction code onto the merchant's web portal.
- the merchant portalsends this transaction number to the management server 408 for authentication.
- the consumer's virtual wallet and payment methodse.g., credit card, debit card, prepaid card, etc.
- the consumer's virtual wallet and payment methodsare securely retrieved from the management server 408 and are displayed to the consumer in a window on a website associated with the merchant portal.
- the consumerselects one of these payment methods to pay for their transaction. If a default card has been selected already, this step is not necessary.
- the consumerhas coupons in their mobile wallet the consumer can either elect to manually apply the coupon, save the coupon for a future use, or have the coupon automatically applied during the transaction and the transaction amount is updated.
- the online purchaseis processed as normal by the merchant's online processor,
- the mobile walletcan retrieve transaction data, account balance from the management server 408 .
- the mobile application 200maintains a shopping list 202 for a consumer. Accordingly, consumers have the ability to store their shopping list in their mobile wallet and add, delete, or change items on their shopping list either in offline or online mode. In one implementation, consumers are sent coupons based on items on their shopping list, preferences, previous shopping history, proximity to the physical retail store, or a combination of these parameters, as discussed in application Ser. No. 11/944,267, which is incorporated by reference above. If the consumer has coupons in their mobile wallet the consumer can either elect to manually apply the coupon, save the coupon for a future use, or have the coupon automatically applied during the transaction and the transaction amount is updated.
- the consumercan logon to the merchant portal and electronically transmit their shopping list to the merchant portal either by waving their phone over NFU enabled PC's or some other connection such as IR, bluetooth, USB, or the like.
- FIG. 3illustrates a method 300 for conducting a payment transaction using a point of sale device (e.g., point of sale device 104 ).
- a point of sale devicee.g., point of sale device 104
- User inputis received selecting one or more items for purchase (e.g., at the point of sale device) (step 302 ).
- the transaction being made at the point of sale devicecan be any type of transaction that involves the exchange or transfer of funds—e.g., the transaction can be a payment transaction, a fund transfer, or other type of transaction.
- a total purchase amount for the one or more itemsis calculated (e.g., by the point of sale device) (step 304 ).
- Payment authorization for the total purchase amountis sent to a payment entity through a mobile communication device of the user (step 306 ).
- a result of the payment authorizationis received at the point of sale device from the payment entity via the mobile communication device (step 308 ).
- the payment transactionis completed based on the result of the payment authorization (step 310 ). If the payment transaction was authorized by the payment entity, then the sale of the items through the point of sale device is completed. Otherwise, if the payment transaction was not authorized by the payment entity, then the point of sale device terminates the payment transaction.
- FIG. 4illustrates an example payment transaction being made in a communication system 400 in accordance with one implementation.
- the communication system 400includes a mobile communication device 402 , a personal computer (PC) 404 , an online store 406 , and a core (or datastore) 408 .
- a useror customer
- a phonee.g., mobile communication device 402 or personal computer 404
- browses an online store websiteonline store application 410
- finds an item that the customer wishes to purchaseThis could also be a purchase made through a midlet application (POS midlet 412 ) residing on the mobile communication device 402 .
- the userthen goes to, e.g., a checkout of the online store 406 make a purchase.
- POS midlet 412midlet application
- the usercan either manually apply the coupon or have the coupon automatically applied during the transaction and the transaction amount is updated.
- the useris given an option to purchase with the mobile communication device 402 .
- the mobile communication device 402is an NFC-equipped phone (or NFC phone).
- the online store application 410sends the transaction information for authorization to the POS vendor plugin (e.g., MCD POS plugin 414 ).
- the POS vendor pluginis installed in the merchant's online store and enables the merchant to accepts MCD Blaze payments as an alternative form of payment, similar to accepting credit cards for payment.
- the POS vendor plug-informats, encrypts, and cryptographically signs the purchase authorization request which is sent via a secure SSL link (e.g., MIPS, Bluetooth, FR, USB, or other suitable protocol) established by the browser/web application 416 back to the mobile communication device 402 .
- a secure SSL linke.g., MIPS, Bluetooth, FR, USB, or other suitable protocol
- the POS midlet 412is a component of the mobile wallet application that executes PayPass or other payment authorization protocol between itself and the SE payment applications on the mobile communication device 402 (interaction (4)). The results of the request are sent back to the POS vendor plugin.
- the POS midlet 412then forwards the properly formatted authorization request to a payment entity (e.g., issuer authorization 418 ) for authorization.
- a payment entitye.g., issuer authorization 418
- the results of the requestare then sent back to the POS component of the mobile wallet.
- the POS midlet 412then forwards the results back to the MCD POS plugin 414 to complete the purchase.
- the MCD POS plugin 414then forwards the purchase transaction information to the management server 408 for later customer viewing (interaction (7)).
- users or customerswill then be able to query the management server 408 and immediately obtain purchase information, either by phone or PC.
- One or more of method steps described abovecan be performed by one or more programmable processors executing a computer program to perform functions by operating on input data and generating output.
- the inventioncan take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment containing both hardware and software elements.
- the inventionis implemented in software, which includes but is not limited to firmware, resident software, microcode, etc.
- the inventioncan take the form of a computer program product accessible from a computer-usable or computer-readable medium providing program code for use by or in connection with a computer or any instruction execution system.
- a computer-usable or computer readable mediumcan be any apparatus that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device.
- the mediumcan be an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system (or apparatus or device) or a propagation medium.
- Examples of a computer-readable mediuminclude a semiconductor or solid state memory, magnetic tape, a removable computer diskette, a random access memory (RAM), a read-only memory (ROM), a rigid magnetic disk and an optical disk.
- Current examples of optical disksinclude compact disk—read only memory (CD-ROM), compact disk—read/write (CD-R/W) and DVD.
- FIG. 5illustrates a data processing system 500 suitable for storing and/or executing program code.
- Data processing system 500includes a processor 502 coupled to memory elements 504 A-B through a system bus 506 .
- data processing system 500may include more than one processor and each processor may be coupled directly or indirectly to one or more memory elements through a system bus.
- Memory elements 504 A-Bcan include local memory employed during actual execution of the program code, bulk storage, and cache memories that provide temporary storage of at least some program code in order to reduce the number of times the code must be retrieved from bulk storage during execution.
- input/output or I/O devices 508 A-Bare coupled to data processing system 500 .
- I/O devices 508 A-Bmay be coupled to data processing system 500 directly or indirectly through intervening I/O controllers (not shown).
- a network adapter 510is coupled to data processing system 500 to enable data processing system 500 to become coupled to other data processing systems or remote printers or storage devices through communication link 512 .
- Communication link 512can be a private or public network. Modems, cable modems, and Ethernet cards are just a few of the currently available types of network adapters.
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Abstract
Description
- This application is a continuation of application Ser. No. 13/708,098, filed Dec. 7, 2012, titled “FINANCIAL TRANSACTION PROCESSING WITH DIGITAL ARTIFACTS USING A MOBILE COMMUNICATIONS DEVICE ” which is a continuation and claims priority to application Ser. No. 11/948,903, filed Nov. 30, 2007, titled “METHOD AND SYSTEM FOR CONDUCTING AN ONLINE PAYMENT TRANSACTION USING A MOBILE COMMUNICATION DEVICE”, both of which is incorporated by reference herein in its entirety
- The present invention relates to data communications and wireless devices.
- Mobile communication devices—e.g., cellular phones, personal digital assistants, and the like—are increasingly being used to conduct payment transactions as described in U.S. patent application Ser. No. 11/933,351, entitled “Method and System For Scheduling A Banking Transaction Through A Mobile Communication Device”, and U.S. patent application Ser. No. 11/467,441, entitled “Method and Apparatus For Completing A Transaction Using A Wireless Mobile Communication Channel and Another Communication Channel, both of which are incorporated herein by reference. Such payment transactions can include, for example, purchasing goods and/or services, bill payments, and transferring funds between bank accounts.
- In general, this specification describes a method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user, The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
- Particular implementations can include one or more of the following features. The point of sale device can be a desktop computer, a laptop computer, or a terminal, The mobile communication device can be a cellular phone, a wireless personal digital assistant (PDA), or a laptop computer. The cellular phone can be an NFC-enabled phone. Sending payment authorization for the total purchase amount from the point of sale device to a payment entity can include sending the payment authorization securely to the payment entity. The payment entity can be a person, a computer system, or a bank. The method can further include maintaining a shopping list on the mobile communication device of the user, in which the shopping list includes a listing of one or more items to be purchased by the user. The payment authorization can be an authorization for payment with a credit card, a debit card, or a prepaid card.
- The details of one or more implementations are set forth in the accompanying drawings and the description below. Other features and advantages will be apparent from the description and drawings, and from the claims.
FIG. 1 illustrates a block diagram of a communication system including a wireless mobile communication device and a management server in accordance with one implementation.FIG. 2 illustrates one implementation of the wireless mobile communication device ofFIG. 1 .FIG. 3 is a method for conducting a payment transaction using a point of sale device in accordance with one implementation.FIG. 4 illustrates a block diagram of a communication system including a wireless mobile communication device and an online store in accordance with one implementation.FIG. 5 is a block diagram of a data processing system suitable for storing and/or executing program code in accordance with one implementation.- Like reference symbols in the various drawings indicate like elements.
FIG. 1 illustrates one implementation of acommunication system 100. Thecommunication system 100 includes a hand-held, wireless mobile communication device102 a point-of-sale device 104 and amanagement server 106. In one implementation, themobile communication device 102 includes a mobile application (discussed in greater detail below) that permits a user of themobile communication device 102 to conduct payment transactions. Payment transactions can include, for example, using contactless payment technology at a retail merchant point of sale (e.g., through point of sale device104), using mobile/internet commerce (e.g., purchase tickets and products, etc.), storage of payment information and other digital artifacts (e,g., receipts, tickets, coupons, etc.), storage of banking information (payment account numbers, security codes, PIN's, etc.), and accessing banking service (account balance, payment history, bill pay, fund transfer, etc.), and so on. Themobile communication device 102 can be a cellular phone, a wireless personal digital assistant (PDA), a laptop computer, or other wireless communication device. The point ofsale device 104 can be a desktop computer, laptop computer, terminal, or other device that is configured to receive user input selecting items for purchase or other transaction.- In one implementation, authorizations for payment transactions that are made through the point of
sale device 104 are sent from the point ofsale device 104 to an issuer authorization (e.g., management server106) through the mobile communication device102 (as shown inFIG. 1 ). In one implementation, an issuer authorization is a payment entity that either approves or disapproves a payment transaction. An issuer authorization can be, e.g., a person, computer system, bank (or other third party). One potential benefit of having payment authorizations flow through themobile communication device 102 is that sensitive user information (e.g. account numbers, pin numbers, and/or identity information) need only be sent from themobile communication device 102 directly to an issuer authorization. Such operation reduces the potential for identity theft and/or fraudulent purchases made through a point of sale device. For example, (in one implementation) payment authorizations cannot be sent to an issuer authorization if themobile communication device 102 is turned off. FIG. 2 illustrates one implementation of themobile communication device 102. Themobile communication device 102 includes amobile application 200 that (in one implementation) is provided to themobile communication device 102 through a remote server (e.g., management server106). In one implementation, the mobile application is a Mobile Wallet application available from Mobile Candy Dish, Inc., of Alameda, Calif. In one implementation, the mobile application is a hosted service, as described in U.S. patent application Ser. No. 11/939,821, entitled “Method and System For Securing Transactions Made Through a Mobile Communication Device”, which is incorporated herein by reference. In one implementation, themobile application 200 is configured to send requests to the management server for artifacts based on user input, e.g., received though a keypad (not shown) of themobile communication device 102. Requests to themanagement server 106 can also be automated, via proximity-based services, e.g., consumer tapping (or in close proximity) an LBS/contactless/RFID enabled phone against a smart poster (RFID/Bluetooth/LBS enabled, etc.), kiosk, or other device.- In one implementation, the
mobile application 200 running on themobile communication device 102 is configured to receive artifacts (e.g., advertisements, receipts, tickets, coupons, media, content, and so on) from. themanagement server 106. In one implementation, themanagement server 106 sends artifacts to the mobile application based on user profile information and/or a transaction history (or payment trends) associated with a user of themobile communication device 102 as described in U.S. patent application Ser. No. 11/944,267, entitled “Method and System For Delivering Information To a Mobile Communication Device Based On Consumer Transactions”, which is incorporated herein by reference. - In one implementation, the
mobile communication device 102 is an NEC-enabled phone. Themobile communication device 102 can be NFC-enabled, for example, through an embedded chip or a sticker that is affixed to the cellular phone, as described in U.S. application Ser. No. 11/933,321, entitled “Method and System For Adapting a Wireless Mobile Communication Device For Wireless Transactions”, which is incorporated herein by reference. In one implementation, the NEC chip (or sticker) on the cellular phone can be used in conjunction with a merchant's point of sale device as described in greater detail below. - For example, with reference to
FIG. 4 , in one implementation, the NEC chip (or sticker) on the cellular phone can communicate with NEC chips that are installed on the front of PC's (TV's, Kiosks, or any other device) and serve as scanners/readers. In this implementation a mobile candy dish applet (e.g., MCD POS plugin414) is installed on the consumer's computer (e.g., PC404) which interfaces with the NEC chip on the PC. When a consumer (or user) is shopping online and they are ready to pay for their products, the consumer opens his mobile wallet and selects one of the payment methods (e.g., credit card, debit card, prepaid card, etc.) from their mobile wallet. If a default card has been selected already, this step is not necessary. The consumer then waves their phone over the NEC reader present on the PC404. The consumer's payment credentials are transferred from the phone to the merchant website (e.g., online store application410) using a communication protocol between the chip in the phone and the chip in the PC, which can be radio frequency for example. If the consumer has coupons in their mobile wallet the consumer can either elect to manually apply the coupon, save the coupon for a future use (against a larger purchase for example), or have the coupon automatically applied during the transaction and the transaction amount is updated. After the consumer enters any necessary validation information (e.g., pin) to provide a multi-factor authentication and confirms the transaction, the online purchase is processed as normal by the merchant's online processor. The mobile wallet can retrieve transaction data, account balance from themanagement server 408. - In one implementation, the
mobile communication device 102 is a non NFC-enabled phone. In this implementation, the consumer connects his phone to thePC 404 via some non radio frequency method (e.g., IR, Bluetooth, USB cable, etc.). When a consumer is shopping online and they are ready to pay for their products, the consumer opens his mobile wallet and selects one of the payment methods (e.g., credit card, debit card, prepaid card, etc.) from their mobile wallet. If a default card has been selected already, this step is not necessary. The consumer then pushes, e.g., a “Buy now” button and the consumer's payment credentials are transferred from the phone to the merchant website (e.g., online store application410) using the protocol between the phone and thePC 404 which can be radio frequency, for example. If the consumer has coupons in their mobile wallet the consumer can either elect to manually apply the coupon, save the coupon for a future use, or have the coupon automatically applied during the transaction and the transaction amount is updated. After the consumer enters any necessary validation information (e.g., pin) to provide multi-factor authentication and confirms the transaction, the online purchase is processed as normal by the merchant's online processor. The mobile wallet can retrieve transaction data and account balance from themanagement server 408. - In one implementation, the
management server 408 and merchant portal (e.g., online store408) are maintained by trusted parties and use an encrypted tunnel to transfer financial data. When the consumer is ready to pay for their online product, they enter their cell phone number on the merchant portal. The merchant portal (which has an MCD applet (e.g., MCD POS plugin414) installed on its server) securely connects to the management server408 (that in one implemetation is maintained by Mobile Candy Dish (MCD)). In one implementation, themanagement server 408 identifies the consumer through their cell phone number, and verifies the consumer's authenticity by sending a unique transaction code to the consumer mobile wallet on their cell phone. The consumer then enters this unique transaction code onto the merchant's web portal. The merchant portal sends this transaction number to themanagement server 408 for authentication. Upon authentication, the consumer's virtual wallet and payment methods (e.g., credit card, debit card, prepaid card, etc.) are securely retrieved from themanagement server 408 and are displayed to the consumer in a window on a website associated with the merchant portal. The consumer selects one of these payment methods to pay for their transaction. If a default card has been selected already, this step is not necessary. If the consumer has coupons in their mobile wallet the consumer can either elect to manually apply the coupon, save the coupon for a future use, or have the coupon automatically applied during the transaction and the transaction amount is updated. After the consumer enters any necessary validation information to provide a multi-factor authentication and confirms the transaction, the online purchase is processed as normal by the merchant's online processor, The mobile wallet can retrieve transaction data, account balance from themanagement server 408. - Referring to
FIG. 2 , in one implementation, themobile application 200 maintains ashopping list 202 for a consumer. Accordingly, consumers have the ability to store their shopping list in their mobile wallet and add, delete, or change items on their shopping list either in offline or online mode. In one implementation, consumers are sent coupons based on items on their shopping list, preferences, previous shopping history, proximity to the physical retail store, or a combination of these parameters, as discussed in application Ser. No. 11/944,267, which is incorporated by reference above. If the consumer has coupons in their mobile wallet the consumer can either elect to manually apply the coupon, save the coupon for a future use, or have the coupon automatically applied during the transaction and the transaction amount is updated. When a consumer wants to order the items on their shopping list via an on online merchant (in contrast to a physical retail store), the consumer can logon to the merchant portal and electronically transmit their shopping list to the merchant portal either by waving their phone over NFU enabled PC's or some other connection such as IR, bluetooth, USB, or the like. FIG. 3 illustrates amethod 300 for conducting a payment transaction using a point of sale device (e.g., point of sale device104). User input is received selecting one or more items for purchase (e.g., at the point of sale device) (step302). In general, the transaction being made at the point of sale device can be any type of transaction that involves the exchange or transfer of funds—e.g., the transaction can be a payment transaction, a fund transfer, or other type of transaction. In response to a request from the user to purchase the one or more items, a total purchase amount for the one or more items is calculated (e.g., by the point of sale device) (step304). If the user has coupons in their mobile wallet the user can either manually apply the coupon or have the coupon automatically applied during the transaction and the transaction amount is updated. The user request to purchase an item can be received, e.g., by a user clicking on a “buy now” icon that is displayed on a graphical user interface of the point of sale device. Payment authorization for the total purchase amount is sent to a payment entity through a mobile communication device of the user (step306). A result of the payment authorization is received at the point of sale device from the payment entity via the mobile communication device (step308). The payment transaction is completed based on the result of the payment authorization (step310). If the payment transaction was authorized by the payment entity, then the sale of the items through the point of sale device is completed. Otherwise, if the payment transaction was not authorized by the payment entity, then the point of sale device terminates the payment transaction.FIG. 4 illustrates an example payment transaction being made in acommunication system 400 in accordance with one implementation. Thecommunication system 400 includes amobile communication device 402, a personal computer (PC)404, anonline store 406, and a core (or datastore)408. As indicated by interaction (1), a user (or customer), using a phone (e.g.,mobile communication device 402 or personal computer404), browses an online store website (online store application410) and finds an item that the customer wishes to purchase. This could also be a purchase made through a midlet application (POS midlet412) residing on themobile communication device 402. The user then goes to, e.g., a checkout of theonline store 406 make a purchase. If the user has coupons in their mobile wallet the user can either manually apply the coupon or have the coupon automatically applied during the transaction and the transaction amount is updated. When it comes time to authorize the purchase, (in one implementation) the user is given an option to purchase with themobile communication device 402. In one implementation, themobile communication device 402 is an NFC-equipped phone (or NFC phone).- In interaction (2), when the user chooses to purchase with the
mobile communication device 402, theonline store application 410 sends the transaction information for authorization to the POS vendor plugin (e.g., MCD POS plugin414). In one implementation, the POS vendor plugin is installed in the merchant's online store and enables the merchant to accepts MCD Blaze payments as an alternative form of payment, similar to accepting credit cards for payment. As shown by interaction (3), the POS vendor plug-in formats, encrypts, and cryptographically signs the purchase authorization request which is sent via a secure SSL link (e.g., MIPS, Bluetooth, FR, USB, or other suitable protocol) established by the browser/web application 416 back to themobile communication device 402. As with the first scenario, all communications is over secure channels. (It may be required that the mobile wallet application be opened prior to beginning a phone online purchase.) The POS midlet412 is a component of the mobile wallet application that executes PayPass or other payment authorization protocol between itself and the SE payment applications on the mobile communication device402 (interaction (4)). The results of the request are sent back to the POS vendor plugin. - As shown by interaction (5), the POS midlet412 then forwards the properly formatted authorization request to a payment entity (e.g., issuer authorization418) for authorization. The results of the request are then sent back to the POS component of the mobile wallet. Through interaction (6), the POS midlet412 then forwards the results back to the MCD POS plugin414 to complete the purchase. The MCD POS plugin414 then forwards the purchase transaction information to the
management server 408 for later customer viewing (interaction (7)). As indicated by interaction (8), users or customers) will then be able to query themanagement server 408 and immediately obtain purchase information, either by phone or PC. - One or more of method steps described above can be performed by one or more programmable processors executing a computer program to perform functions by operating on input data and generating output. Generally, the invention can take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment containing both hardware and software elements. In one implementation, the invention is implemented in software, which includes but is not limited to firmware, resident software, microcode, etc. Furthermore, the invention can take the form of a computer program product accessible from a computer-usable or computer-readable medium providing program code for use by or in connection with a computer or any instruction execution system. For the purposes of this description, a computer-usable or computer readable medium can be any apparatus that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. The medium can be an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system (or apparatus or device) or a propagation medium. Examples of a computer-readable medium include a semiconductor or solid state memory, magnetic tape, a removable computer diskette, a random access memory (RAM), a read-only memory (ROM), a rigid magnetic disk and an optical disk. Current examples of optical disks include compact disk—read only memory (CD-ROM), compact disk—read/write (CD-R/W) and DVD.
FIG. 5 illustrates adata processing system 500 suitable for storing and/or executing program code.Data processing system 500 includes aprocessor 502 coupled tomemory elements 504A-B through asystem bus 506. In other implementations,data processing system 500 may include more than one processor and each processor may be coupled directly or indirectly to one or more memory elements through a system bus.Memory elements 504A-B can include local memory employed during actual execution of the program code, bulk storage, and cache memories that provide temporary storage of at least some program code in order to reduce the number of times the code must be retrieved from bulk storage during execution. As shown, input/output or I/O devices 508A-B (including, but not limited to, keyboards, displays, pointing devices, etc.) are coupled todata processing system 500. I/O devices 508A-B may be coupled todata processing system 500 directly or indirectly through intervening I/O controllers (not shown).- In one implementation, a
network adapter 510 is coupled todata processing system 500 to enabledata processing system 500 to become coupled to other data processing systems or remote printers or storage devices throughcommunication link 512.Communication link 512 can be a private or public network. Modems, cable modems, and Ethernet cards are just a few of the currently available types of network adapters. - Although the present invention has been particularly described with reference to implementations discussed above, various changes, modifications and substitutes are can be made. Accordingly, it will be appreciated that in numerous instances some features of the invention can be employed without a corresponding use of other features. Further, variations can be made in the number and arrangement of components illustrated in the figures discussed above.
Claims (20)
1. A method comprising:
maintaining payment account information, payment account identifiers associated with the payment account information and an identification code by using a mobile operating system platform non browser based payment application in a mobile device memory included in a mobile device, wherein the payment application is a mobile application preinstalled or downloaded and installed on the mobile device, the mobile device comprising a mobile device display, a mobile device processor, a mobile device radio interface, and a mobile device Wireless Fidelity (WiFi) interface;
receiving input from the user at the mobile device to initiate a transaction to purchase an item;
wirelessly transmitting the selected payment account identifier stored in the mobile device memory to a point of sale terminal by using a first wireless communication channel, wherein execution of the payment application facilitates a transfer of a default payment account identifier to the point of sale terminal, the point of sale terminal connected to a management server;
sending a request from the payment application for a digital artifact to the management server for display within a specific payment application generated screen, wherein the digital artifact is selected based on correlating targeting parameters, the specific payment application generated screen corresponding to a specific screen, scene, or real estate property, wherein the management server maintains plurality of user profiles and digital artifacts and selects the digital artifact based on correlating targeting parameters for the user;
receiving the digital artifact at the payment application from the management server which processes the transaction using the default payment account identifier associated with the payment account information; and
displaying the digital artifact received from the management server within the specific payment application generated screen.
2. The method ofclaim 1 , wherein the first wireless communication channel is associated with a contactless wireless protocol.
3. The method ofclaim 1 , wherein the second wireless communication channel is associated with a cellular radio communication channel.
4. The method ofclaim 1 , wherein targeting parameters includes personal information and/or transaction history.
5. The method ofclaim 4 , wherein personal information comprises location, gender, age, interest, affiliation, userid, pageid, zip code, area code, and occupation.
6. The method ofclaim 4 , wherein transaction history comprises contactless transactions made using a secure element coupled to the mobile communication device, internet commerce, bill pay, top spend categories, merchants, storage of banking information, accessing banking services, and tickets.
7. The method ofclaim 1 , wherein the digital artifact received using the second wireless communication channel.
8. The method ofclaim 7 , wherein the digital artifact is a coupon.
9. The method ofclaim 7 , wherein the digital artifact is a ticket.
10. The method ofclaim 7 , wherein the digital artifact is a receipt.
11. The method ofclaim 7 , wherein the digital artifact is a promotion
12. The method ofclaim 7 , wherein the digital artifact is content.
13. The method ofclaim 7 , wherein the digital artifact is an advertisement.
14. A mobile device comprising:
a mobile device memory configured to maintain payment account information, payment account identifiers associated with the payment account information by using a mobile operating system platform non browser based payment application, wherein the payment application is a mobile application preinstalled or downloaded and installed on the mobile device;
a mobile device input interface configured to receive input from the user at the mobile device to initiate a transaction to purchase an item;
a mobile device wireless fidelity (WiFi) transceiver;
a mobile device radio transceiver configured to wirelessly transmit the default payment account identifier stored in the mobile device memory to a point of sale terminal by using a first wireless communication channel, wherein execution of the payment application facilitates a transfer of the default payment account identifier to the point of sale terminal, the point of sale terminal connected to a management server;
a mobile device output interface configured to send a request for a digital artifact for display within a specific payment application generated screen to the management server and receive the digital artifact for display within the specific payment application generated screen, the specific payment application generated screen corresponding to a specific screen, scene, or real estate property, wherein the management server maintains plurality of user profiles and digital artifacts and selects the digital artifact based on correlating targeting parameters, wherein the digital artifact is received from the management server which processes the transaction using the default payment account identifier associated with the payment account information and
a mobile device display configured to present the digital artifact within the specific payment application generated screen.
15. The mobile device ofclaim 14 , wherein the first wireless communication channel is associated with a contactless wireless protocol.
16. The mobile device ofclaim 14 , wherein the second wireless communication channel is associated with a cellular radio communication channel.
17. The mobile device ofclaim 14 , wherein targeting parameters includes personal information and/or transaction history.
18. The mobile device ofclaim 17 , wherein personal information comprises location, gender, age, interest, affiliation, userid, pageid, zip code, area code, and occupation.
19. The mobile device ofclaim 17 , wherein transaction history comprises contactless transactions made using a secure element coupled to the mobile communication device, internet commerce, bill pay, top spend categories, merchants, storage of banking information, accessing banking services, and tickets.
20. The mobile device ofclaim 14 , wherein the digital artifact is received using the second wireless communication channel.
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| US13/680,738Expired - Fee RelatedUS8799085B2 (en) | 2005-12-31 | 2012-11-19 | Redeeming coupons using NFC |
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| US13/680,278AbandonedUS20130080230A1 (en) | 2006-08-25 | 2012-11-19 | Single tap using both user selected payment method and user selected coupons |
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| US13/710,441Expired - Fee RelatedUS8805726B2 (en) | 2007-11-30 | 2012-12-10 | Online shopping using NFC and a mobile device |
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