Integrated communications network for transactions

• US 10,311,426 B2
• Filed: 02/05/2014
• Issued: 06/04/2019
• Est. Priority Date: 02/05/2013
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Wang, Quan, Countway, Steven
• Primary Examiner(s): Rutkowski, Jeffrey M
• Assistant Examiner(s): Tacdiran, Andre G
• Application Number:
  US14/173,718
• Publication Number:
  US 20140222599A1
• Time in Patent Office: 1,945 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• 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 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: H04L 51/222 using geographical location information, e.g. messages transmitted or received in proximity of a certain spot or area

Abstract

An integrated communications network may be integrated with existing payment systems to provide for more efficient and secure payment related communications. The integrated communications network may use mobile network protocol encapsulation to provide more efficient, faster, and more robust payment related communications to a payment processor across a mobile network. The integrated communications network may implement a location-aware network communications system that may allow a payment processor to obtain additional information about a consumer using a location-aware header of a network communication.

Claims

1. A method comprising:

receiving, by a mobile switching center associated with a first mobile network of a plurality of mobile networks, a transaction request message from a computing device communicating with a second mobile network of the plurality of mobile networks, the transaction request message received via a switch configured to connect the plurality of mobile networks, wherein the second mobile network is remote from the first mobile network and local to the computing device, wherein the first mobile network is a payment processing network mobile network configured to process mobile network operations and payment processing for the plurality of mobile networks;

converting, by a protocol conversion module of the mobile switching center associated with the first mobile network, the transaction request message from a first protocol to a second protocol, wherein the protocol conversion module of the mobile switching center associated with the first mobile network that converts the transaction request message from the first protocol to the second protocol is central to the plurality of mobile networks and provides data protocol conversion for each of the mobile networks of the plurality of mobile networks;

sending, by the protocol conversion module, the converted transaction request message to a payment processing server associated with the first mobile network, wherein the payment processing server processes a transaction associated with the converted transaction request message;

receiving, by the protocol conversion module, a transaction response message from the payment processing server;

converting, by the protocol conversion module, the transaction response message from the second protocol to the first protocol; and

sending, by the protocol conversion module, the converted transaction response message to the computing device via the switch.

2. The method of claim 1 wherein the protocol conversion module is not located in a base station of the second mobile network.

3. The method of claim 1 wherein before sending the converted transaction response message, the method further comprises:

identifying a recipient base station in the second mobile network communicating with the computing device.

4. The method of claim 1 wherein the mobile switching center is a payment processing network mobile switching center.

5. The method of claim 3 wherein identifying the recipient base station in the second mobile network communicating with the computing device further comprises:

querying a home location register to obtain routing data for the computing device,

wherein the routing data includes an identifier for a visitor location register currently associated with the computing device;

receiving an international mobile subscriber identifier for the computing device from the second mobile network associated with the identified visitor location register;

sending the international mobile subscriber identifier to the second mobile network; and

receiving a mobile station roaming number for communicating with the computing device in the second mobile network.

6. The method of claim 5

wherein the home location register is periodically updated with identifying data for the second mobile network via a location message from the second mobile network when the computing device is within a coverage area of the second mobile network.

7. The method of claim 1 wherein converting the transaction request message from the first protocol to the second protocol further comprises:

using a transmission protocol to identify an internet protocol message encapsulated within an SS7 protocol message.

8. The method of claim 7 wherein the transmission protocol is a stream control transmission protocol.

9. The method according to claim 1, wherein the protocol conversion module is configured to convert transaction request messages for a plurality of different mobile networks.

10. The method according to claim 1, wherein the switch is associated with the first protocol.

11. The method according to claim 1, wherein the switch is a public switched telephone network.

12. The method according to claim 1, wherein the mobile switching center is central to the plurality of mobile networks.

13. The method according to claim 1, wherein the second mobile network does not include the protocol conversion module.

14. The method according to claim 1, wherein the protocol conversion module converts the transaction response message in accordance with a payment communication protocol.

15. The method according to claim 1, wherein the computing device comprises a subscriber identifier, and wherein one of a notification, an alert, a coupon, and a reward is configured to be sent to the computing device in accordance with the subscriber identifier.

16. The method according to claim 1, wherein the transaction request message comprises a recipient identifier identifying a destination of the transaction request message.

17. A computer comprising:

a processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor for implementing a method comprising;

receiving, by a mobile switching center, a transaction request message from a computing device communicating with a second mobile network of a plurality of mobile networks, the transaction request message received via a switch configured to connect the plurality of mobile networks, wherein the second mobile network is remote from a first mobile network of the plurality of mobile networks and local to the computing device, wherein the first mobile network is a payment processing network mobile network configured to process mobile network operations and payment processing for the plurality of mobile networks;

converting, by a protocol conversion module of the mobile switching center associated with the first mobile network, the transaction request message from a first protocol to a second protocol, wherein the protocol conversion module of the mobile switching center associated with the first mobile network that converts the transaction request message from the first protocol to the second protocol is central to the plurality of mobile networks and provides data protocol conversion for each of the mobile networks of the plurality of mobile networks;

sending, by the protocol conversion module, the converted transaction request message to a payment processing server associated with the first mobile network, wherein the payment processing server processes a transaction associated with the converted transaction request message;

receiving, by the protocol conversion module, a transaction response message from the payment processing server;

converting, by the protocol conversion module, the transaction response message from the second protocol to the first protocol; and

sending, by the protocol conversion module, the converted transaction response message to the computing device via the switch.

18. A system comprising:

the computer of claim 17;

the switch configured to communicatively couple a first mobile network including the computer with a second mobile network; and

a base station in the second mobile network in communication with the computing device, the base station configured to;

send the transaction request message to the first mobile network via the switch; and

receive the transaction response message.