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Mobile commercial systems and methods

  • US 10,242,326 B2
  • Filed: 10/11/2013
  • Issued: 03/26/2019
  • Est. Priority Date: 02/22/2007
  • Status: Active Grant
First Claim
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1. A method of sending an e-receipt to a mobile device, the method comprising:

  • receiving from a point of sale device of a merchant, via a server, a communication related to a function of a mobile wallet application executed by the mobile device, wherein the communication relates to a purchase initiated at the point of sale device by a previously authenticated user of the mobile device, wherein the previously authenticated user of the mobile device has been authenticated by the point of sale device using an identity credential of the user of the mobile device that has been transmitted to the point of sale device by the mobile device, wherein the identity credential comprises information for authenticating or verifying the previously authenticated user, wherein the communication comprises the identity credential and information identifying an account of the previously authenticated user, and wherein the point of sale device receives the identity credential from the mobile device via a near field communication (NFC) interface;

    providing one or more mobile commerce functions including communicating with one or more financial institutions that maintain a plurality of financial accounts;

    sending an authorization request for the purchase to the one or more financial institutions;

    receiving an approval message in response to the authorization request from one of the one or more financial institutions, the approval message comprising an e-receipt that includes information related to the completion of the purchase, wherein the information related to the completion of the purchase comprises at least one of a dollar amount, a transaction amount, and a transaction date; and

    transmitting the e-receipt to the point of sale device for transmission to the mobile device for storage or use by the mobile wallet application.

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