Mobile commerce system

• US 10,068,222 B2
• Filed: 05/01/2015
• Issued: 09/04/2018
• Est. Priority Date: 05/03/2011
• Status: Active Grant

• Current Assignee: Verifone, Inc. (Verifone Systems, Inc.)
• Original Assignee: Verifone, Inc. (Verifone Systems, Inc.)
• Inventors: Soffer, Dan, Elgrichi, Yoav, Ng, Kay Hong, Khow, Siang-Thye, Chua, Benjamin, Salomon, Rolf, Maayan-Vilian, Itiel-Meir
• Primary Examiner(s): Zeender, Florian M
• Assistant Examiner(s): Haider, Fawaad
• Application Number:
  US14/701,941
• Publication Number:
  US 20150235200A1
• Time in Patent Office: 1,222 Days
• Field of Search: 705 17
• CPC Class Codes: G06Q 10/02 Reservations, e.g. for tickets, services or events
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/203 Inventory monitoring
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0631 Item recommendations
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/01 Social networking

Abstract

A mobile commerce system including a multiplicity of Mobile Device-Point of Sale Communication (MPC)-equipped mobile devices, a plurality of MPC-enabled Point-of-Sale (POS) devices, at least one POS configuration server for configuring the plurality of MPC-enabled POS devices, at least one MPC-equipped mobile device configuration server for configuring the plurality of MPC-equipped mobile devices and at least one mobile marketing platform server operative to introduce Transaction Value Certificate (TVC)-related functions and to communicate both with the at least one POS configuration server and the at least one MPC-equipped mobile device configuration server to coordinate operation thereof so that the MPC-enabled POS devices will be “tap-ready” for carrying out the TVC-related functions.

Claims

1. A Mobile Device-Point of Sale Communication (MPC)-enabled Point-of-Sale (POS) device for use in a mobile commerce system comprising:

a first multiplicity of Transaction Value Certificate (TVC) wallets operative in conjunction with a second multiplicity of MPC-equipped mobile devices;

a third multiplicity of MPC-enabled Point-of-Sale (POS) devices operated by a first plurality of unaffiliated retailers;

at least one TVC wallet configuration server for configuring said first multiplicity of TVC wallets; and

at least one mobile marketing platform server operative to introduce Transaction Value Certificate (TVC)-related functions which are used to coordinate operation of a second plurality of POS configuration servers and said at least one TVC wallet configuration server,

whereby;

a first set of TVC offer data is stored in at least one of said first multiplicity of TVC wallets;

a second set of TVC offer acceptance data is pre-stored in said third multiplicity of MPC-enabled POS devices, prior to a TVC transaction and prior to communication between said MPC-enabled POS devices and said MPC-equipped mobile devices;

a first selected subset of said first set of TVC offer data is stored in a TVC wallet of a first selected customer;

a second selected subset of said second set of TVC offer acceptance data is stored in a selected one of said third multiplicity of MPC-enabled POS devices; and

when said first selected customer interacts with said selected one of said third multiplicity of MPC-enabled POS devices, interaction between said TVC wallet of said first selected customer and said selected one of said third multiplicity of MPC-enabled POS devices identifies at least TVC offer data in said first selected subset which matches TVC offer acceptance data in said second selected subset and enables transactions based thereon, said TVC offer acceptance data being determined by an entity other than said first plurality of unaffiliated retailers,

said MPC-enabled POS device having TVC wallet interface functionality and being configurable by said second plurality of POS configuration servers,

wherein said TVC-related functions include at least two of;

receiving TVC data and customer profiles from at least one of an operator interface computer and a merchant ERP system;

communicating TVC-related POS configuration server instructions to at least one of said second plurality of POS configuration servers regarding TVC parameters to be downloaded to the third multiplicity of MPC-enabled POS devices, where said TVC-related POS configuration server instructions include TVC-specific POS set up instructions which are communicated to said at least one of said second plurality of POS configuration servers;

communicating TVC-related TVC wallet configuration server instructions to said at least one TVC wallet configuration server regarding TVC parameters, inventory data and promotion data to be downloaded to selected ones of the first multiplicity of TVC wallets, where said TVC related TVC wallet configuration server instructions include TVC-specific mobile set up instructions which are communicated to said at least one MPC-equipped mobile device configuration server;

conducting operator initiated TVC database searches;

generating TVCs; and

modifying TVCs.

2. A MPC-enabled POS device according to claim 1 and also comprising:

a payment card acceptor;

a TVC instruction receiving port;

a TVC data receiving port;

a TVC data transmitting port; and

TVC instruction responsive functionality operative to select at least one TVC data source.

3. A MPC-enabled POS device according to claim 2 and wherein said TVC instruction responsive functionality includes TVC data validation functionality.

4. A mobile commerce system comprising:

a first multiplicity of Transaction Value Certificate (TVC) wallets operative in conjunction with a second multiplicity of Mobile Device-Point of Sale Communication (MPC)-equipped mobile devices;

a third multiplicity of MPC-enabled Point-of-Sale (POS) devices operated by a first plurality of unaffiliated retailers, said third multiplicity of MPC-enabled POS devices having TVC wallet interface functionality and being configurable by a second plurality of POS configuration servers;

at least one TVC wallet configuration server for configuring said first multiplicity of TVC wallets; and

at least one mobile marketing platform server operative to introduce Transaction Value Certificate (TVC)-related functions which are used to coordinate operation of said second plurality of POS configuration servers and said at least one TVC wallet configuration server,

whereby;

a first set of TVC offer data is stored in at least one of said first multiplicity of TVC wallets;

a second set of TVC offer acceptance data is pre-stored in said third multiplicity of MPC-enabled POS devices, prior to a TVC transaction and prior to communication between said MPC-enabled POS devices and said MPC-equipped mobile devices;

a first selected subset of said first set of TVC offer data is stored in a TVC wallet of a first selected customer;

a second selected subset of said second set of TVC offer acceptance data is stored in a selected one of said third multiplicity of MPC-enabled POS devices; and

when said first selected customer interacts with said selected one of said third multiplicity of MPC-enabled POS devices, interaction between said TVC wallet of said first selected customer and said selected one of said third multiplicity of MPC-enabled POS devices identifies at least TVC offer data in said first selected subset which matches TVC offer acceptance data in said second selected subset and enables transactions based thereon,

said TVC offer acceptance data being determined by an entity other than said first plurality of unaffiliated retailers,

wherein said TVC-related functions include at least two of;

receiving TVC data and customer profiles from at least one of an operator interface computer and a merchant ERP system;

communicating TVC-related POS configuration server instructions to at least one of said second plurality of POS configuration servers regarding TVC parameters to be downloaded to the third multiplicity of MPC-enabled POS devices, where said TVC-related POS configuration server instructions include TVC-specific POS set up instructions which are communicated to said at least one of said second plurality of POS configuration servers;

communicating TVC-related TVC wallet configuration server instructions to said at least one TVC wallet configuration server regarding TVC parameters, inventory data and promotion data to be downloaded to selected ones of the first multiplicity of TVC wallets, where said TVC related TVC wallet configuration server instructions include TVC-specific mobile set up instructions which are communicated to said at least one MPC-equipped mobile device configuration server;

conducting operator initiated TVC database searches;

generating TVCs; and

modifying TVCs.

5. A mobile commerce system according to claim 4 and also comprising a performance monitor server operative to receive TVC data from at least one of said third multiplicity of MPC-enabled POS devices and at least one of said plurality of POS configuration servers and to provide an output indicating parameters of use of TVCs.

6. A mobile commerce system according to claim 4 and wherein at least some of said second multiplicity of MPC-equipped mobile devices are MPC wallet-equipped mobile devices.

7. A method for mobile commerce comprising:

storing a first set of Transaction Value Certificate (TVC) offer data in at least one of a first multiplicity of TVC wallets, said first multiplicity of Transaction Value Certificate (TVC) wallets operative in conjunction with a second multiplicity of Mobile Device-Point of Sale Communication (MPC)-equipped mobile devices, said first multiplicity of TVC wallets being configured by at least one TVC wallet configuration server;

pre-storing a second set of TVC offer acceptance data in a third multiplicity of MPC-enabled Point-of-Sale (POS) devices, prior to a TVC transaction and prior to communication between said MPC-enabled POS devices and said MPC-equipped mobile devices, said third multiplicity of MPC-enabled POS devices operated by a first plurality of unaffiliated retailers, said third multiplicity of MPC-enabled POS devices having TVC wallet interface functionality and being configurable by a second plurality of POS configuration servers;

introducing, utilizing at least one mobile marketing platform server, Transaction Value Certificate (TVC)-related functions which are used to coordinate operation of said second plurality of POS configuration servers and said at least one TVC wallet configuration server,

storing a first selected subset of said first set of TVC offer data in a TVC wallet of a first selected customer;

storing a second selected subset of said second set of TVC offer acceptance data in a selected one of said third multiplicity of MPC-enabled POS devices; and

when said first selected customer interacts with said selected one of said third multiplicity of MPC-enabled POS devices, identifying at least TVC offer data in said first selected subset which matches TVC offer acceptance data in said second selected subset and enables transactions based on interaction between said TVC wallet of said first selected customer and said selected one of said third multiplicity of MPC-enabled POS devices,

said TVC offer acceptance data being determined by an entity other than said first plurality of unaffiliated retailers,

wherein said TVC-related functions include at least two of;

receiving TVC data and customer profiles from at least one of an operator interface computer and a merchant ERP system;

communicating TVC-related POS configuration server instructions to at least one of said second plurality of POS configuration servers regarding TVC parameters to be downloaded to the third multiplicity of MPC-enabled POS devices, where said TVC-related POS configuration server instructions include TVC-specific POS set up instructions which are communicated to said at least one of said second plurality of POS configuration servers;

communicating TVC-related TVC wallet configuration server instructions to said at least one TVC wallet configuration server regarding TVC parameters, inventory data and promotion data to be downloaded to selected ones of the first multiplicity of TVC wallets, where said TVC related TVC wallet configuration server instructions include TVC-specific mobile set up instructions which are communicated to said at least one MPC-equipped mobile device configuration server;

conducting operator initiated TVC database searches;

generating TVCs; and

modifying TVCs.

8. A method for mobile commerce according to claim 7 and also comprising:

receiving, at a performance monitor server, TVC data from at least one of said third multiplicity of MPC-enabled POS devices and at least one of said plurality of POS configuration servers; and

providing an output indicating parameters of use of TVCs.

9. A method for mobile commerce according to claim 7 and wherein at least some of said second multiplicity of MPC-equipped mobile devices are MPC wallet-equipped mobile devices.

10. A Mobile Device-Point of Sale Communication (MPC)-enabled Point-of-Sale (POS) device for use in a method of mobile commerce comprising:

storing a first set of Transaction Value Certificate (TVC) offer data in at least one of a first multiplicity of TVC wallets, said first multiplicity of Transaction Value Certificate (TVC) wallets operative in conjunction with a second multiplicity of MPC-equipped mobile devices, said first multiplicity of TVC wallets being configured by at least one TVC wallet configuration server;

pre-storing a second set of TVC offer acceptance data in a third multiplicity of MPC-enabled Point-of-Sale (POS) devices, prior to a TVC transaction and prior to communication between said MPC-enabled POS devices and said MPC-equipped mobile devices, said third multiplicity of MPC-enabled POS devices operated by a first plurality of unaffiliated retailers;

introducing, utilizing at least one mobile marketing platform server, Transaction Value Certificate (TVC)-related functions which are used to coordinate operation of said second plurality of POS configuration servers and said at least one TVC wallet configuration server,

storing a first selected subset of said first set of TVC offer data in a TVC wallet of a first selected customer;

storing a second selected subset of said second set of TVC offer acceptance data in a selected one of said third multiplicity of MPC-enabled POS devices; and

when said first selected customer interacts with said selected one of said third multiplicity of MPC-enabled POS devices, identifying at least TVC offer data in said first selected subset which matches TVC offer acceptance data in said second selected subset and enables transactions based on interaction between said TVC wallet of said first selected customer and said selected one of said third multiplicity of MPC-enabled POS devices, and

said TVC offer acceptance data being determined by an entity other than said first plurality of unaffiliated retailers,

said MPC-enabled POS device having TVC wallet interface functionality and being configurable by said second plurality of POS configuration servers,

wherein said TVC-related functions include at least two of;

receiving TVC data and customer profiles from at least one of an operator interface computer and a merchant ERP system;

communicating TVC-related POS configuration server instructions to at least one of said second plurality of POS configuration servers regarding TVC parameters to be downloaded to the third multiplicity of MPC-enabled POS devices, where said TVC-related POS configuration server instructions include TVC-specific POS set up instructions which are communicated to said at least one of said second plurality of POS configuration servers;

communicating TVC-related TVC wallet configuration server instructions to said at least one TVC wallet configuration server regarding TVC parameters, inventory data and promotion data to be downloaded to selected ones of the first multiplicity of TVC wallets, where said TVC related TVC wallet configuration server instructions include TVC-specific mobile set up instructions which are communicated to said at least one MPC-equipped mobile device configuration server;

conducting operator initiated TVC database searches;

generating TVCs; and

modifying TVCs.

11. A MPC-enabled POS device according to claim 10 and also comprising:

a payment card acceptor;

a TVC instruction receiving port;

a TVC data receiving port;

a TVC data transmitting port; and

TVC instruction responsive functionality operative to select at least one TVC data source.

12. A MPC-enabled POS device according to claim 11 and wherein said TVC instruction responsive functionality includes TVC data validation functionality.