Mobile wallet as provider of services consumed by service provider applications

• US 10,546,284 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:
  US14/993,367
• Publication Number:
  US 20160125394A1
• Time in Patent Office: 1,477 Days
• Field of Search: 705 41
• 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 by which a service provider may discover and access the wallet services to build and distribute at least one wallet service to a services ecosystem, wherein the at least one wallet service enables implementation of a mobile transaction according to a template.

Claims

1. A system for facilitating dynamic access to services of an electronic wallet by service provider applications in a network ecosystem comprising service providers, mobile devices, and a transaction platform wallet service host, comprising:

a mobile transaction platform server comprising a processor 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 the electronic wallet services via operation of the processor;

at least one interface of the mobile transaction platform server enabled via operation of the processor through which a service provider is enabled to discover and access the electronic wallet functions and to build and distribute at least one service provider wallet service that enables implementation of a mobile transaction according to a template, the at least one service provider wallet service being distributed to a services ecosystem.

2. The system of claim 1, wherein the discoverable wallet functions include wallet lifecycle services, payment services, and application management services.

3. The system of claim 1, wherein implementation of a mobile transaction according to a template comprises configuring a core set of wallet services for a specific domain.

4. The system of claim 3, wherein the wallet services for a specific domain are facilitated in part by a service-provider specific mobile application program that provides access by a mobile device to a wallet service configured by the service-provider.

5. The system of claim 1, wherein the at least one interface comprises a library of business-specific wallet components that facilitate the at least one service provider building and distributing the at least one service provider wallet service.

6. The system of claim 5, wherein the library further comprises service templates that facilitate the at least one service provider distributing business-specific wallet services.

7. The system of claim 5, wherein the library facilitates customization of wallet service parameters that are exposed by the mobile transaction platform server.

8. The system of claim 7, wherein the parameters are exposed by at least one of an enabling tier and a service tier of the mobile transaction platform.

9. The system of claim 5, wherein the library provides backend system communication connectors for fulfilling complete end-to-end services.

10. The system of claim 5, wherein implementation of a mobile transaction according to a template comprises configuring a wallet with core set of wallet services for a specific domain.

11. The system of claim 10, wherein the configured wallet handles application lifecycle, security, standardized user experience, and application management.

12. The system of claim 5, wherein the at least one interface is embodied in a service tier of a plurality of tiers of the mobile transaction platform, the plurality of tiers further including an enabling tier and a personalization tier.

13. The system of claim 5, wherein the mobile transaction platform comprises a service tier that includes a library of business specific components and associated service templates through which a service provider builds the at least one wallet service.