Wireless transfer protocol for electronic certificates

• US 10,382,910 B2
• Filed: 04/29/2016
• Issued: 08/13/2019
• Est. Priority Date: 02/16/2009
• Status: Active Grant

• Current Assignee: Accenture Global Services Limited (Accenture PLC)
• Original Assignee: Accenture Global Services Limited (Accenture PLC)
• Inventors: D'Angelo, Giovanni, Rettaroli, Piergiorgio, Gifuni, Salvatore, Mungo, Fabio
• Primary Examiner(s): Netzloff, Eric R
• Assistant Examiner(s): Patel, Dipen M
• Application Number:
  US15/141,957
• Publication Number:
  US 20160373882A1
• Time in Patent Office: 1,201 Days
• Field of Search: 705 14
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: H04L 67/535 Tracking the activity of the user network monitoring arrangements H04L43/00; recording of computer activity G06F11/34
• CPC Class Codes: H04W 12/08 Access security
• CPC Class Codes: H04W 4/14 Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]
• CPC Class Codes: H04W 4/18 Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
• CPC Class Codes: H04W 4/50 Service provisioning or reconfiguring

Abstract

An electronic certificate system facilitates the secure application of certificates against wireless data transfers with a distributer system by a device user. A certificate enabled device carried by the user stores electronic certificates in memory. When the distributer system detects a certificate enabled device within a proximity radio frequency field, the distributer system queries and obtains applicable certificates for the user from the certificate enabled device carried by the user, applies the certificates to a data transfer, and securely communicates the resulting data transfer metadata back to the certificate enabled device.

Claims

1. A product, comprising:

a machine-readable medium other than a transitory signal;

instructions stored on the machine-readable medium, the instructions configured to at execution cause a processor of a mobile device to;

obtain a new voucher message via a cellular data interface of the mobile device, the new voucher message indicating that digital vouchers are available from an enterprise system of a digital voucher issuer, the new voucher message sent responsive to a dispatch command issued by a manager of the digital voucher issuer;

after obtaining the new voucher message;

obtain, via a hypertext transfer protocol (HTTP) over the cellular communication link, a new digital voucher from the enterprise system, the new digital voucher assigned to the mobile device according to a distribution criterion met by a user account, the distribution criterion based on user purchase history and user browsing history data, parameters for the new digital voucher downloaded while encoded as a HTTP metadata structure comprising;

a voucher quantity field;

after the voucher quantity field, a voucher name field;

after the voucher name field, a voucher type field;

after the voucher type field, a voucher amount field;

after the voucher amount field, a voucher provider field comprising

an indicator of a service provider for the digital voucher; and

after the voucher provider field, an image field comprising a reference of an image of the new digital voucher, the reference including a starting byte and an ending byte;

store the new digital voucher in memory among multiple other digital vouchers also stored in the memory as metadata structures, the metadata structures comprising;

metadata structures for digital vouchers that include an image field after the voucher provider field; and

delete a previously stored voucher that has expired from among the multiple other digital vouchers;

determine, using a near field communication (NFC) interface, that a digital voucher enabled merchant system is within 10 centimeters of the NFC interface; and

in response to the determination that the digital voucher enabled merchant system is within 10 centimeters of the NFC interface, receive, via the NFC interface, initial transaction data for a transaction from the digital voucher enabled merchant system, the initial transaction data including;

a merchant identifier for the digital voucher enabled merchant system;

transaction type information; and

an initial transaction amount;

without requesting user input, compare the data structure to the initial transaction data by comparing;

the voucher type field of the data structure to the transaction type information; and

the voucher provider field of the data structure to the merchant identifier;

responsive to comparing data structure to the initial transaction data, determine that the new digital voucher is irrelevant to the transaction;

responsive determining the new digital voucher is irrelevant, omit the new digital voucher from a digital voucher listing of digital vouchers relevant to the transaction;

before completing the transaction, instruct a display of the mobile device to present the digital voucher listing with the new digital voucher omitted;

receive, from user input, a selection of an available digital voucher within the digital voucher listing responsive to the presentation of the digital voucher listing;

transmit, to the digital voucher enabled merchant system using the NFC interface, a response to the initial transaction data, the response including;

the available digital voucher;

a name of the user; and

a mobile station international subscriber directory number (MSISDN) for the mobile device;

after transmitting the response, receive updated transaction data from the digital voucher enabled merchant system, the updated transaction data comprising an updated transaction amount modified with respect to the initial transaction amount based on the available digital voucher;

responsive to the updated transaction data, instruct the display to present a digital voucher transaction summary;

generate a digital voucher transaction report including;

an identifier for the available digital voucher; and

a transaction identifier;

the MSISDN for the mobile device; and

data indicating a type of good or service subject to the transaction; and

transmit the digital voucher transaction report to the enterprise system using the cellular data interface.

2. The product of claim 1, where the available digital voucher comprises a restaurant voucher.

3. The product of claim 1, where:

the available digital voucher comprises a fidelity card that earns a customer points on purchases made from a merchant; and

the instructions are further configured to update a points total associated with the user in response to the transaction.

4. A method, comprising:

obtaining a new voucher message via a cellular data interface of a mobile device, the new voucher message indicating that digital vouchers are available from an enterprise system of a digital voucher issuer, the new voucher message sent responsive to a dispatch command issued by a manager of the digital voucher issuer;

after obtaining the new voucher message;

obtaining, via a hypertext transfer protocol (HTTP) over the cellular communication link, a new digital voucher from the enterprise system, the new digital voucher assigned to the mobile device according to a distribution criterion met by a user account, the distribution criterion based on user purchase history and user browsing history data, parameters for the new digital voucher downloaded while encoded as a HTTP metadata structure comprising;

a voucher quantity field;

after the voucher quantity field, a voucher name field;

after the voucher name field, a voucher type field;

after the voucher type field, a voucher amount field;

after the voucher amount field, a voucher provider field comprising an indicator of a service provider for the digital voucher; and

after the voucher provider field, an image field comprising a reference of an image of the new digital voucher, the reference including a starting byte and an ending byte;

storing the new digital voucher in memory among multiple other digital vouchers also stored in the memory as metadata structures, the metadata structures comprising;

metadata structures for digital vouchers that include an image field; and

deleting a previously stored voucher that has expired from among the multiple other digital vouchers;

determining, using a near field communication (NFC) interface, whether a digital voucher enabled merchant system is within an NFC range of the NFC interface; and

in response to a determination that the digital voucher enabled merchant system is within the NFC range of the NFC interface, receiving, via the NFC interface, initial transaction data for a transaction from the digital voucher enabled merchant system, the initial transaction data including;

a merchant identifier for the digital voucher enabled merchant system;

transaction type information; and

an initial transaction amount;

without requesting user input, comparing the data structure to the initial transaction data by comparing;

the voucher type field of the data structure to the transaction type information; and

the voucher provider field of the data structure to the merchant identifier;

responsive to comparing data structure to the initial transaction data, determining that the new digital voucher is irrelevant to the transaction;

responsive determining the new digital voucher is irrelevant, omitting the new digital voucher from a digital voucher listing of digital vouchers relevant to the transaction;

before completing the transaction, instructing a display of the mobile device to present the digital voucher listing with the new digital voucher omitted;

receiving, from user input, a selection of an available digital voucher within the digital voucher listing responsive to the presentation of the digital voucher listing;

transmitting, to the digital voucher enabled merchant system using the NFC interface, a response to the initial transaction data, the response including;

the available digital voucher;

a name of the user; and

a mobile station international subscriber directory number (MSISDN) for the mobile device;

after transmitting the response, receiving updated transaction data from the digital voucher enabled merchant system, the updated transaction data comprising an updated transaction amount modified with respect to the initial transaction amount based on the available digital voucher;

responsive to the updated transaction data, instructing the display to present a digital voucher transaction summary;

generating a digital voucher transaction report including;

an identifier for the available digital voucher; and

a transaction identifier;

the MSISDN; and

data indicating a type of good or service subject to the transaction; and

transmitting the digital voucher transaction report to the enterprise system using the cellular data interface.

5. The method of claim 4, where the available digital voucher comprises a restaurant voucher.

6. The method of claim 4, where:

the available digital voucher comprises a fidelity card that earns a customer points on purchases made from a merchant; and

the method further comprises updating a points total associated with the user in response to the transaction.

7. A digital voucher system comprising:

a digital voucher issuer, an enterprise system, a digital voucher enabled merchant system, and a mobile device;

the digital voucher issuer comprising;

a first computer processor; and

a first memory coupled to the first computer processor, the first memory comprising;

instructions that at execution cause the first computer processor to;

obtain a dispatch command from a manager of the digital voucher issuer; and

send the dispatch command to the enterprise system;

the enterprise system comprising

a second computer processor; and

a first cellular data interface;

a second memory coupled to the second computer processor, the second memory comprising;

instructions that at execution cause the second computer processor to;

receive the dispatch command from the manager of the digital voucher issuer;

responsive to the dispatch command, send, over a cellular communication link, a new voucher message indicating that digital vouchers are available from the enterprise system;

assign a new digital voucher to a user account according to a distribution criterion met by the user account, the distribution criterion based on user purchase history and user browsing history data; and

send, via hypertext transfer protocol (HTTP) over the cellular communication link, the new digital voucher to the mobile device;

the digital voucher enabled merchant system comprising;

a first near field communication (NFC) interface;

a third computer processor coupled to the first NFC interface; and

a third memory coupled to the third computer processor, the third memory comprising;

instructions that at execution cause the third computer processor to;

 

generate initial transaction data for a transaction, the initial transaction data including;

 

a merchant identifier for the digital voucher enabled merchant system;

 

transaction type information; and

 

an initial transaction amount;

 

receive, from the mobile device, a response to the initial transaction data, the response including;

 

an available digital voucher;

 

a name of the user; and

 

the MSISDN;

 

after receiving the response, generate updated transaction data by modifying the initial transaction amount based on the available digital voucher; and

 

transmit the updated transaction over the first NFC interface to the mobile device;

a mobile device, comprising;

a second cellular data interface;

a second NFC interface;

a display;

a third computer processor coupled to the display, second NFC interface, and the second cellular data interface; and

a fourth memory coupled to the fourth computer processor, the fourth memory comprising;

instructions that at execution cause the fourth computer processor to;

receive the new voucher message, via the cellular data interface, from the enterprise system;

after receiving the new voucher message;

 

transmit user data over the cellular communication link established between the first and second cellular data interfaces;

 

obtain, via the HTTP over the cellular communication link, the new digital voucher from the enterprise system, parameters for the new digital voucher downloaded while encoded as a HTTP metadata structure comprising;

 

a voucher quantity field;

 

after the voucher quantity field, a voucher name field;

 

after the voucher name field, a voucher type field;

 

after the voucher type field, a voucher amount field; and

 

after the voucher amount field, a voucher provider field comprising an indicator of a service provider for the new digital voucher; and

 

after the voucher provider field, an image field comprising a reference of an image of the new digital voucher, the reference including a starting byte and ending byte;

 

store the new digital voucher in the fourth memory among multiple other digital vouchers also stored in the fourth memory as metadata structures, the metadata structures comprising;

 

metadata structures for digital vouchers that include an image field; and

 

delete a previously stored voucher that has expired from among the multiple other digital vouchers;

determine, using the second NFC interface, that the first NFC interface of the digital voucher enabled merchant system is within 10 centimeters of the second NFC interface; and

in response to the determination that the first NFC interface of the digital voucher enabled merchant system is within 10 centimeters of the second NFC interface, receive, via the second NFC interface, initial transaction data from the first NFC interface of the digital voucher enabled merchant system;

without requesting user input, compare the data structure to the initial transaction data by comparing;

 

the voucher type field of the data structure to the transaction type information; and

 

the voucher provider field of the data structure to the merchant identifier;

responsive to comparing data structure to the initial transaction data, determine that the new digital voucher is irrelevant to the transaction;

responsive determining the new digital voucher is irrelevant, omit the new digital voucher from a digital voucher listing of digital vouchers relevant to the transaction;

before completing the transaction, instruct the display to present the digital voucher listing with the new digital voucher omitted;

receive, from user input, a selection of an available digital voucher within the digital voucher listing responsive to the presentation of the digital voucher listing;

transmit, to the digital voucher enabled merchant system using the first NFC interface, the response to the initial transaction data;

after transmitting the response, receive the updated transaction data from the digital voucher enabled merchant system, the updated transaction data comprising an updated transaction amount modified with respect to the initial transaction amount based on the available digital voucher;

responsive to the updated transaction data, instruct the display to present a digital voucher transaction summary;

generate a digital voucher transaction report including;

 

an identifier for the available digital voucher; and

 

a transaction identifier;

 

the MSISDN; and

 

data indicating a type of good or service subject to the transaction; and

transmit the digital voucher transaction report to the enterprise system using the second cellular data interface.

8. The digital voucher system of claim 7, where the available digital voucher comprises a restaurant voucher.

9. The digital voucher system of claim 7, where:

the available digital voucher comprises a fidelity card that earns a customer points on purchases made from a merchant; and

the instructions, when executed, are further configured to update a points total associated with the user in response to the transaction.