Mobile wallet as a consumer of services from a service provider

• US 10,546,283 B2
• Filed: 01/12/2016
• Issued: 01/28/2020
• Est. Priority Date: 10/31/2007
• Status: Active Grant

• Current Assignee: Mastercard Mobile Transactions Solutions, Inc. (MasterCard Incorporated)
• Original Assignee: Mastercard Mobile Transactions Solutions, Inc. (MasterCard Incorporated)
• Inventors: Desai, Mehul, Pitroda, Satyan G., Maniar, Nehal
• Primary Examiner(s): Wong, Eric T
• Assistant Examiner(s): Poe, Kevin T
• Application Number:
  US14/993,344
• Publication Number:
  US 20160125414A1
• Time in Patent Office: 1,477 Days
• Field of Search: 705 44
• CPC Class Codes: G06F 8/60 Software deployment
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• 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 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4015 using location information
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A system for supporting transactions by mobile devices includes a mobile transaction platform server hosting and managing a plurality of wallet services and at least one interface for deployment of the mobile transaction server within a network ecosystem used by a service provider. The service provider uses a resource of the mobile transaction platform to publish software that provides incremental functionality to a wallet application that operates on the mobile transaction platform.

Claims

1. A system comprising:

a mobile transaction platform server embodied in computer hardware in communication with at least one mobile device and at least one service provider server, the mobile transaction platform server hosting and managing a plurality of wallet services that are accessible to a digital wallet that operates in a mobile transaction platform;

at least one interface through which the mobile transaction platform server is deployable within a network ecosystem; and

the mobile transaction platform server deployed in the network ecosystem providing resources by which the at least one service provider server publishes software embodying the managed wallet services, the managed wallet services in the published software providing incremental functionality to the digital wallet.

2. The system of claim 1, wherein the at least one interface facilitates communication between the software that embodies incremental functionality to the digital wallet and the mobile transaction platform.

3. The system of claim 1, wherein the at least one interface further provides access by the at least one service provider server to the resource of the deployed mobile transaction platform server.

4. The system of claim 1, further comprising a network provider enterprise service bus through which the at least one service provider server accesses the resources of the deployed mobile transaction platform server.

5. The system of claim 1, wherein the at least one interface comprises an enterprise service bus of a network provider, the enterprise service bus providing access by the mobile transaction server to resources of the network ecosystem.

6. The system of claim 1, wherein the at least one interface comprises an enterprise service bus of a network provider through which the mobile transaction platform resources by which the at least one service provider server publishes software are accessed by the at least one service provider server.

7. The system of claim 1, wherein the interface facilitates standardization of interconnection among multiple services providers in the network ecosystem and further comprises an enterprise service bus of a network provider.

8. The system of claim 1, wherein the at least one interface further includes access to external peripheral system integration web services.

9. The system of claim 1, wherein publishing software embodying wallet services comprises making one or more mobile applications available for deployment to a mobile device through which the digital wallet operating on the mobile transaction platform is accessible by a user.

10. The system of claim 1, wherein the digital wallet is disposed and executable on a mobile device of the network ecosystem, the digital wallet conducting mobile transactions through the published wallet services with a service provider.

11. A system comprising:

a mobile transaction platform of an ecosystem provider domain embodied in computer hardware that is integrated via an enterprise service bus of the domain;

a wallet server of the ecosystem provider domain that includes the mobile transaction platform and at least one wallet for conducting mobile transactions;

a network ecosystem of service providers that is accessible by the mobile transaction platform via the enterprise service bus;

a plurality of wallet services that are accessible to the wallet and that are hosted and managed by the mobile transaction platform; and

a plurality of wallet service publication resources that are provided by the mobile transaction platform and that are accessible by the service providers to publish software embodying managed wallet services, the managed wallet services in the published software providing incremental functionality to the wallet.

12. The system of claim 11, wherein the enterprise service bus facilitates interactions and communication between the software embodying wallet services and the mobile transaction platform.

13. The system of claim 11, wherein the enterprise service bus facilitates access by the services providers to the plurality of wallet service publication resources.

14. The system of claim 11, wherein the enterprise service bus facilitates standardization of interconnection among multiple services providers in the network ecosystem.

15. The system of claim 11, wherein the enterprise service bus further includes access to external peripheral system integration web services.

16. The system of claim 11, wherein to publish software embodying wallet services comprises making one or more mobile applications available for deployment to a mobile device through which the at least one wallet is accessible by a user.

17. The system of claim 11, wherein the network ecosystem further includes a wallet provider and the enterprise service bus monitors and controls routing of messages between the wallet server in the ecosystem provider domain and the wallet provider in the network ecosystem.

18. A method of facilitating dynamic access to third-party services by a digital wallet in a network ecosystem comprising service providers, mobile devices, and a transaction platform wallet service host, the method comprising:

operating the digital wallet on a mobile transaction platform server;

hosting a plurality of wallet services by the mobile transaction platform server that is in communication with at least one mobile device and at least one service provider server, the mobile transaction platform server managing creation and access to the plurality of wallet services;

deploying the mobile transaction platform server within the network ecosystem via at least one interface of the network ecosystem; and

providing resources from the mobile transaction platform server by which the at least one service provider server publishes software embodying the managed wallet services, the managed wallet services in the published software providing incremental functionality to the digital wallet that operates on the mobile transaction platform.

19. The method of claim 18, wherein publishing software embodying wallet services comprises making one or more mobile applications available for deployment to a mobile device through which the digital wallet operating on the mobile transaction platform is accessible by a user.

20. The method of claim 18, wherein the digital wallet is disposed and executable on a mobile device of the network ecosystem, the digital wallet conducting mobile transactions through the published wallet services with a service provider.