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

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Arthur, Steven E., Toomer, Christopher L., Owen, Sarah, VanDeburg, Theodore
• Primary Examiner(s): Wong, Eric T
• Assistant Examiner(s): Gregg, Mary M
• Application Number:
  US14/052,397
• Publication Number:
  US 20140040052A1
• Time in Patent Office: 1,992 Days
• CPC Class Codes: G06Q 10/00 Administration; Management
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/32 using wireless devices
• 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 20/363 with the personal data of a user
• CPC Class Codes: H04L 63/10 for controlling access to devices or network resources
• CPC Class Codes: H04W 12/08 Access security

Abstract

Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a method of providing a plurality of mobile commerce functions can comprise receiving a communication related to a function of a mobile wallet application of a mobile device. One or more of a plurality of acquirer systems for handling of the communication can be identified based on the function of the mobile wallet application to which the communication relates. The communication can be routed to the identified one or more acquirer systems for handling of the communication. In some cases, a reply to the communication can be received from at least one of the identified one or more acquirer systems and the reply can be sent to a recipient.

Claims

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.

2. The method according to claim 1, further comprising routing an authorization request to the one or more financial institutions.

3. The method according to claim 1, further comprising enrolling the mobile device for use with a mobile commerce system.

4. The method according to claim 1, wherein the information related to the completion of the purchase further comprises at least one of payee information, information to identify the purchase, information to track the purchase, and information to record the purchase.

5. A system for sending an e-receipt to a mobile device, the system comprising:

one or more acquirer systems configured to;

provide one or more mobile commerce functions;

receive 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 a mobile device, wherein the communication relates to a purchase initiated at a 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 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;

route an authorization request related to a purchase to a financial institution; and

receive an approval message in response to the authorization request from the financial institution, the approval message comprising an e-receipt that includes information related to a completion of a 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

a point of sale device communicatively coupled to the one or more acquirer systems, the point of sale device configured to;

receive the e-receipt from the one or more acquirer systems; and

transmit, via a wireless communications network, the e-receipt to the mobile wallet application for storage.

6. The system according to claim 5, wherein the one or more acquirer systems comprise a payment system configured to transmit the e-receipt to the point of sale device.

7. The system according to claim 5, wherein the one or more acquirer systems comprise an enrollment system configured to enroll the mobile device for use with the system.

8. The system according to claim 5, wherein the one or more mobile commerce functions comprise communicating with one or more financial institutions that maintain a plurality of financial accounts.

9. The system according to claim 5, wherein the point of sale device is further configured to generate a second e-receipt comprising the information related to the completion of the purchase and to transmit the second e-receipt to the mobile wallet application via a near field communication transponder of the point of sale device.

10. The system according to claim 5, wherein the information related to the completion of the purchase further comprises at least one of payee information, information to identify the purchase, information to track the purchase, and information to record the purchase.

11. The system according to claim 5, wherein the point of sale device is configured to address or identify and route the e-receipt to the mobile device via a mobile wallet server using mobile device identifier.

12. The system according to claim 5, wherein the point of sale device is further configured to modify the e-receipt, wherein modifications to the e-receipt comprise at least one of adding a new transaction, adding items purchased in the new transaction, and adding a price per item purchased in the new transaction.

13. The system according to claim 12, wherein the point of sale device is further configured to generate a new e-receipt comprising the modifications.

14. The system according to claim 5, wherein the e-receipt comprises encrypted information supplied by a merchant to identify at least one of an origin, contents, and an authenticity of the e-receipt.

15. A device for providing an e-receipt to a mobile device, the device comprising:

a point of sale device configured to;

authenticate a user of a mobile device using an identity credential received from the mobile device using a near field communication (NFC) interface, wherein the identity credential comprises information for authenticating or verifying the previously authenticated user;

send a communication related to a transaction and comprising an authentication request to one or more acquirer systems, wherein the communication relates to a purchase initiated at the point of sale device, and wherein the communication comprises the identity credential and information identifying an account of the previously authenticated user;

receive an approval message in response to the authorization request for a purchase from a financial institution via the one or more acquirer systems, the approval message comprising a first e-receipt;

generate a second e-receipt comprising information related to the completion of a purchase, wherein the information related to the completion of a purchase comprises at least one of a dollar amount, a transaction time, a transaction date; and

transmit one or both of the first e-receipt and the second e-receipt to a mobile wallet application of a mobile device via a wireless communications network.

16. The device according to claim 15, wherein the information related to the completion of the purchase further comprises at least one of payee information, information to identify the transaction, information to track the transaction, and information to record the transaction.

17. The device according to claim 15, wherein the point of sale device is further configured to address or identify and route the e-receipt to the mobile device using a mobile device identifier.

18. The device according to claim 15, wherein the point of sale device is further configured to modify the e-receipt, wherein modifications to the e-receipt comprise at least one of adding a new transaction, adding items purchased in the new transaction, and adding a price per item purchased in the new transaction.

19. The device according to claim 18, wherein the point of sale device is further configured to generate a new e-receipt comprising the modifications.

20. The device according to claim 15 wherein the second e-receipt comprises encrypted information supplied by a merchant to identify at least one of an origin, contents, and an authenticity of the e-receipt.