Wireless data communication interface
First Claim
1. A system for providing a wireless data communication interface, the system including:
- one or more computers configured to implement by executing instructions on one or more processors a platform-agnostic wireless data communication system, wherein the wireless data system includes;
one or more receiving modules forreceiving over a wireless data communication channel a tokenized first item of financial transaction information from a customer mobile device presenting a customer-facing interface, andreceiving a second item of financial transaction information from a merchant-facing point-of-sale interface connected to the mobile device through the wireless data communication channel,a point of sale server forrendering in a common internal format the first item of financial transaction information from the customer-facing interface, andrendering in the common internal format the second item of financial transaction information from the merchant-facing point-of-sale interface,a payment processing module forrendering in a second format the first item of financial transaction information for payment processing by a first external financial party, whereinthe rendering in the second format includes converting the tokenized first item of financial transaction information to an account-specific item of financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault, andrendering in a third format the second item of financial transaction information for payment processing by a second external financial party, anda transaction execution module fortransmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in a secured account data vault, andtransmitting in the third format the second item of financial transaction information for payment processing by the second external financial party.
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Accused Products
Abstract
In some embodiments, the rendering a financial transaction record in a second format includes converting a tokenized first item of financial transaction information to an account-specific item of financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault. In some embodiments, the system includes a transaction execution module for transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in a secured account data vault, and transmitting in the third format the second item of financial transaction information for payment processing by the second external financial party.
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Citations
20 Claims
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1. A system for providing a wireless data communication interface, the system including:
one or more computers configured to implement by executing instructions on one or more processors a platform-agnostic wireless data communication system, wherein the wireless data system includes; one or more receiving modules for receiving over a wireless data communication channel a tokenized first item of financial transaction information from a customer mobile device presenting a customer-facing interface, and receiving a second item of financial transaction information from a merchant-facing point-of-sale interface connected to the mobile device through the wireless data communication channel, a point of sale server for rendering in a common internal format the first item of financial transaction information from the customer-facing interface, and rendering in the common internal format the second item of financial transaction information from the merchant-facing point-of-sale interface, a payment processing module for rendering in a second format the first item of financial transaction information for payment processing by a first external financial party, wherein the rendering in the second format includes converting the tokenized first item of financial transaction information to an account-specific item of financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault, and rendering in a third format the second item of financial transaction information for payment processing by a second external financial party, and a transaction execution module for transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in a secured account data vault, and transmitting in the third format the second item of financial transaction information for payment processing by the second external financial party. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method for providing a wireless data communication interface, the method including:
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one or more computers executing instructions on one or more processors for a wireless data communication interface method, including; one or more receiving modules receiving over a wireless data communication channel a tokenized first item of financial transaction information from a customer mobile device presenting a customer-facing interface; one or more receiving modules receiving a second item of financial transaction information from a merchant-facing point-of-sale interface connected to the mobile device through the wireless data communication channel; a point of sale server rendering in a common internal format the first item of financial transaction information from the customer-facing interface; the point of sale server rendering in the common internal format the second item of financial transaction information from the merchant-facing point-of-sale interface; a payment processing module rendering in a second format the first item of financial transaction information for payment processing by a first external financial party, wherein the rendering in the second format includes converting the tokenized first item of financial transaction information to an account-specific item of financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault; the payment processing module rendering in a third format the second item of financial transaction information for payment processing by a second external financial party; a transaction execution module transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in a secured account data vault; and the payment processing module transmitting in the third format the second item of financial transaction information for payment processing by the second external financial party. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory computer-readable storage medium storing program instructions for providing a wireless data communication interface, wherein the program instructions are computer-executable to implement:
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one or more receiving modules receiving over a wireless data communication channel a tokenized first item of financial transaction information from a customer mobile device presenting a customer-facing interface; one or more receiving modules receiving a second item of financial transaction information from a merchant-facing point-of-sale interface connected to the mobile device through the wireless data communication channel; a point of sale server rendering in a common internal format the first item of financial transaction information from the customer-facing interface; the point of sale server rendering in the common internal format the second item of financial transaction information from the merchant-facing point-of-sale interface; a payment processing module rendering in a second format the first item of financial transaction information for payment processing by a first external financial party, wherein the rendering in the second format includes converting the tokenized first item of financial transaction information to an account-specific item of financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault; the payment processing module rendering in a third format the second item of financial transaction information for payment processing by a second external financial party; a transaction execution module transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in a secured account data vault; and the payment processing module transmitting in the third format the second item of financial transaction information for payment processing by the second external financial party. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification