Credit card validation for an interactive wireless network

• US 20040232226A1
• Filed: 06/25/2004
• Published: 11/25/2004
• Est. Priority Date: 12/31/2001
• Status: Active Grant

• Current Assignee: Advanced Transactions, LLC (IP Investments Group LLC)
• Original Assignee: Dono Tech Services LLC (Intellectual Ventures LLC)
• Inventors: Jordan, Royce D. Jr.
• Granted Patent: US 6,986,460 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

An apparatus and method for validating a credit card over a wireless network. The apparatus includes a gateway for sending a credit card validation reply message to a wireless device in response to receiving a credit card validation request message from the wireless device, the request message including credit card information for identifying a credit card to be validated. The method includes sending a first credit card validation request message to a gateway from a wireless device, the first request message including credit card information for identifying a credit card to be validated; sending a second credit card validation request message and the credit card information from the gateway over an external network in communication with the gateway to a credit card validation service provider for processing the credit card information; receiving by the gateway a first credit card validation reply message from the credit card validation service provider over the external network; and sending a second credit card validation reply message from the gateway to the wireless device.

Claims

1-48. -48. (Cancelled).

49. A system for validating a credit card over a wireless network, the system comprising:

a wireless communication network for receiving a request message including credit card information for identifying a credit card to be validated from a wireless device;

a gateway in communication with the wireless communication network, wherein the gateway is for receiving the credit card validation request message from the wireless device; and

an external network in communication with the gateway for providing credit card validation data to the gateway, wherein the gateway is configured for processing the credit card validation data for sending a credit card validation reply message to the wireless device;

wherein the gateway comprises a database for storing the credit card validation reply message, and the database has a directory structure for associating the wireless device with the credit card validation reply message.

50. The system of claim 49, further comprising a credit card validation service provider for receiving the credit card validation request message transmitted by the gateway over the external network and for processing the credit card information.

51. The system of claim 50, wherein the external network is the Internet.

52. The system of claim 49, wherein the credit card validation request message is a text message.

53. The system of claim 49, wherein the credit card validation request message is sent via e-mail to a predetermined validation e-mail address.

54. The system of claim 53, wherein the credit card information is provided in a subject portion of the e-mail message.

55. The system of claim 49, wherein the credit card information includes a credit card number of the credit card to be validated.

56. The system of claim 49, wherein the credit card information includes a credit card expiration date of the credit card to be validated.

57. The system of claim 49, wherein the credit card information includes an identifier associated with the credit card to be validated.

58. The system of claim 49, wherein the credit card validation reply message is a text message.

59. The system of claim 49, wherein the credit card validation reply message is sent via e-mail to the wireless device.

60. The system of claim 49, wherein the wireless device is a pager.

61. The system of claim 49, wherein the wireless device is interfaced to a keypad.

62. The system of claim 49, wherein the wireless device in interfaced to a credit card swipe reader.