Systems, methods, and computer readable media for payment and non-payment virtual card transfer between mobile devices
First Claim
1. A method for over-the-air (OTA) virtual card transfer between near field communications (NFC)-enabled mobile devices, the method comprising:
- at an OTA provisioning server comprising at least one computer having associated hardware;
receiving, from a sending mobile device operated by a sender, data for provisioning a virtual card to a receiving mobile device, the data including a virtual card type selected by the sender from a plurality of virtual card types and a receiver for the virtual card, and a recipient mobile device number corresponding to the receiving mobile device, wherein each of the sending mobile device and the receiving mobile device includes an NFC-enabled mobile phone device;
accessing a database using the recipient mobile device number to obtain mobile device type information related to the receiving mobile device; and
in response to determining that the mobile device type information indicates that the receiving mobile device is an NFC enabled mobile device, provisioning the virtual card to the receiving mobile device via an OTA interface, wherein provisioning the virtual card includes sending a control message from the OTA provisioning server to the receiving mobile device that triggers a wallet application in the receiving mobile device to initiate downloading of the virtual card from the OTA provisioning server to the receiving mobile device, wherein the virtual card is immediately presentable by the receiving mobile device at a point of sale terminal via NFC, and wherein the virtual card represents one of;
a credit card, a debit card, a prepaid card, a loyalty card, a rewards card, and a coupon and, wherein provisioning the virtual card to the receiving mobile device comprises, in response to receiving the data for provisioning the virtual card, creating a new virtual card account corresponding to the virtual card type selected by the sender and designating the receiver as an intended recipient.
5 Assignments
0 Petitions
Accused Products
Abstract
The subject matter described herein includes methods, systems, and computer readable media for virtual card transfer between near field communications (NFC)-enabled mobile devices. According to one aspect, a method for over-the-air (OTA) virtual card transfer between NFC-enabled mobile devices is disclosed. The method includes receiving, at an OTA provisioning server, a virtual card, from a sending mobile device, that is intended for a receiving mobile device. The virtual card is provisioned, over the air, to the receiving mobile device, where the virtual card is immediately presentable by the receiving mobile device at a point of sale terminal.
-
Citations
33 Claims
-
1. A method for over-the-air (OTA) virtual card transfer between near field communications (NFC)-enabled mobile devices, the method comprising:
at an OTA provisioning server comprising at least one computer having associated hardware; receiving, from a sending mobile device operated by a sender, data for provisioning a virtual card to a receiving mobile device, the data including a virtual card type selected by the sender from a plurality of virtual card types and a receiver for the virtual card, and a recipient mobile device number corresponding to the receiving mobile device, wherein each of the sending mobile device and the receiving mobile device includes an NFC-enabled mobile phone device; accessing a database using the recipient mobile device number to obtain mobile device type information related to the receiving mobile device; and in response to determining that the mobile device type information indicates that the receiving mobile device is an NFC enabled mobile device, provisioning the virtual card to the receiving mobile device via an OTA interface, wherein provisioning the virtual card includes sending a control message from the OTA provisioning server to the receiving mobile device that triggers a wallet application in the receiving mobile device to initiate downloading of the virtual card from the OTA provisioning server to the receiving mobile device, wherein the virtual card is immediately presentable by the receiving mobile device at a point of sale terminal via NFC, and wherein the virtual card represents one of;
a credit card, a debit card, a prepaid card, a loyalty card, a rewards card, and a coupon and, wherein provisioning the virtual card to the receiving mobile device comprises, in response to receiving the data for provisioning the virtual card, creating a new virtual card account corresponding to the virtual card type selected by the sender and designating the receiver as an intended recipient.- View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
-
19. An over-the-air (OTA) provisioning server for providing virtual card transfer between near field communications (NFC)-enabled mobile devices, the OTA provisioning server comprising:
-
a receiving module for receiving, from a sending mobile device operated by a sender, data for provisioning a virtual card to a receiving mobile device, the data including a virtual card type selected by the sender from a plurality of virtual card types, a receiver for the virtual card, a recipient mobile device number corresponding to the receiving mobile device, and a monetary amount, and for accessing a database using the recipient mobile device number to obtain mobile device type information related to the receiving mobile device, wherein each of the sending mobile device and the receiving mobile device includes an NFC-enabled mobile phone device; and in response to determining that the mobile device type information indicates that the receiving mobile device is an NFC enabled mobile device, an account module for provisioning the virtual card to the receiving mobile device by sending a control message from the OTA provisioning server to the receiving mobile device that triggers a wallet application in the receiving mobile device to initiate downloading of the virtual card from the OTA provisioning server to the receiving mobile device, wherein the virtual card is immediately usable by the receiving mobile device at a point of sale terminal via NFC, wherein the virtual card represents one of;
a credit card, a debit card, a prepaid card, a loyalty card, a rewards card, and a coupon and, wherein provisioning the virtual card to the receiving mobile device comprises, in response to receiving the data for provisioning the virtual card, creating a new virtual card account corresponding to the virtual card type and the monetary amount selected by the sender and designating the receiver as an intended recipient, and wherein the OTA provisioning server is implemented by at least one computer having associated hardware. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
-
-
33. A computer readable medium having stored thereon computer executable instructions that when executed by the processor of a computer control the computer to perform steps comprising:
at an OTA provisioning server; receiving, from a sending mobile device operated by a sender, a virtual card intended for a receiving mobile device, the data including a virtual card type selected by the sender from a plurality of virtual card types, a receiver for the virtual card, and a recipient mobile device number corresponding to the receiving mobile device, wherein each of the sending mobile device and the receiving mobile device includes an NFC-enabled mobile phone device; accessing a database using the recipient mobile device number to obtain mobile device type information related to the receiving mobile device; and in response to determining that the mobile device type information indicates that the receiving mobile device is an NFC enables mobile device, provisioning the virtual card to the receiving mobile device via an OTA interface, wherein provisioning the virtual card includes sending a control message from the OTA provisioning server to the receiving mobile device that triggers a wallet application in the receiving mobile device to initiate downloading of the virtual card from the OTA provisioning server to the receiving mobile device, wherein the virtual card is immediately presentable by the receiving mobile device at a point of sale terminal via NFC, and wherein the virtual card represents one of;
a credit card, a debit card, a prepaid card, a loyalty card, a rewards card, and a coupon and, wherein provisioning the virtual card to the receiving mobile device comprises, in response to receiving the data for provisioning the virtual card, creating a new virtual card account corresponding to the virtual card type selected by the sender and designating the receiver as an intended recipient.
Specification