System and method for facilitating electronic financial transactions using a mobile telecommunication device
First Claim
1. A transaction processing system for processing a transaction between a supplier and a customer, said system comprising:
- (a) a supplier device for initiating a transaction between the supplier and the customer, said supplier device including;
(i) supplier device data storage means for storing supplier identifying indicia;
(ii) supplier device data receiving means for receiving transaction data and customer-supplied customer identifying indicia, said transaction data including the monetary amount of the transaction;
(iii) supplier device message generation means for generating a transaction message containing the supplier identifying indicia, the transaction data and the customer identifying indicia; and
(iv) supplier device telecommunication means for sending the transaction message to a system server and for receiving messages from the system server;
(b) the system server which includes;
(i) server data storage means for storing supplier information and customer information;
(ii) server telecommunication means for sending and receiving messages to and from the supplier device and a mobile communication device of the customer;
(iii) server verification means;
for verifying that the supplier identifying indicia and the customer identifying indicia in the transaction message match corresponding indicia within the supplier information and the customer information, respectively; and
for issuing either a transaction proceed order or a transaction terminate order based on a result of said verification;
(iv) server message generation means for generating either;
a transaction denied message following receipt of a transaction terminate order;
or a transaction request message following receipt of a transaction proceed order, said message containing, the supplier identifying indicia, the transaction data, the customer identifying indicia, and a unique transaction identifier which is different for each transaction;
and for transmitting the transaction denied message or the transaction request message to the server telecommunication means for the sending of said message to the mobile communication device;
(c) the mobile communication device of the customer, comprising (i) mobile device telecommunication means for receiving messages from and sending messages to the system server;
(ii) a message processing program module comprising;
mobile device data storage means containing a customer security criterion; and
transaction authorisation means adapted to extract the transaction data and the supplier identifying indicia contained in the transaction request message, received by the mobile communication device, and to generate and display, on a visual display screen of the mobile communication device, a message containing the transaction data, the supplier identifying indicia and a request for the customer either to;
authorise the transaction, by making a first pre-determined entry in a keypad of the mobile device, said predetermined entry including a secret identification parameter of the customer, or
decline the transaction, by making a second pre-determined entry in the keypad;
(iii) verification message generation means adapted to;
receive an authorisation order generated by the first predetermined entry into the keypad;
following receipt of said authorisation order, verify that the identification parameter matches the customer security criterion in the mobile device data storage means and, if they do match, generate a verification message, said verification message containing contents of the transaction request message; and
encrypt the verification message to generate a secure verification message. (iv) decline transaction message generation means adapted to;
receive a decline order generated by the second predetermined entry into the keypad; and
generate a decline transaction message, following receipt of said decline order; and
(v) message transfer means for transferring the secure verification message, or the decline transaction message, to the mobile device telecommunication means for sending to the system server;
(d) a transaction processing server, in secure communication with the system server, comprising;
(i) means for receiving the secure verification message;
(ii) means for decrypting the secure verification message; and
(iii) processing means for;
identifying a customer account associated with the customer identifying indicia;
identifying a supplier account associated with the supplier identifying indicia;
arranging for said customer account to be debited by the monetary amount of the transaction; and
arranging for said supplier account to be credited by said monetary amount.
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Accused Products
Abstract
A transaction processing system for processing a transaction between a supplier and a customer, said system comprising a supplier device for initiating the transaction, a system server and a mobile communication device, said device containing a message processing program module for enabling local verification of the transaction within the mobile device, wherein a transaction message is sent from the supplier device to the system server, a message requesting payment for the transaction is sent from the system server to the mobile communication device, the transaction is authorised and verified at the mobile telecommunications device from which a verification message is sent back to the system server, and the transaction is then processed.
147 Citations
54 Claims
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1. A transaction processing system for processing a transaction between a supplier and a customer, said system comprising:
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(a) a supplier device for initiating a transaction between the supplier and the customer, said supplier device including;
(i) supplier device data storage means for storing supplier identifying indicia;
(ii) supplier device data receiving means for receiving transaction data and customer-supplied customer identifying indicia, said transaction data including the monetary amount of the transaction;
(iii) supplier device message generation means for generating a transaction message containing the supplier identifying indicia, the transaction data and the customer identifying indicia; and
(iv) supplier device telecommunication means for sending the transaction message to a system server and for receiving messages from the system server;
(b) the system server which includes;
(i) server data storage means for storing supplier information and customer information;
(ii) server telecommunication means for sending and receiving messages to and from the supplier device and a mobile communication device of the customer;
(iii) server verification means;
for verifying that the supplier identifying indicia and the customer identifying indicia in the transaction message match corresponding indicia within the supplier information and the customer information, respectively; and
for issuing either a transaction proceed order or a transaction terminate order based on a result of said verification;
(iv) server message generation means for generating either;
a transaction denied message following receipt of a transaction terminate order;
ora transaction request message following receipt of a transaction proceed order, said message containing, the supplier identifying indicia, the transaction data, the customer identifying indicia, and a unique transaction identifier which is different for each transaction;
and for transmitting the transaction denied message or the transaction request message to the server telecommunication means for the sending of said message to the mobile communication device;
(c) the mobile communication device of the customer, comprising (i) mobile device telecommunication means for receiving messages from and sending messages to the system server;
(ii) a message processing program module comprising;
mobile device data storage means containing a customer security criterion; and
transaction authorisation means adapted to extract the transaction data and the supplier identifying indicia contained in the transaction request message, received by the mobile communication device, and to generate and display, on a visual display screen of the mobile communication device, a message containing the transaction data, the supplier identifying indicia and a request for the customer either to;
authorise the transaction, by making a first pre-determined entry in a keypad of the mobile device, said predetermined entry including a secret identification parameter of the customer, or
decline the transaction, by making a second pre-determined entry in the keypad;
(iii) verification message generation means adapted to;
receive an authorisation order generated by the first predetermined entry into the keypad;
following receipt of said authorisation order, verify that the identification parameter matches the customer security criterion in the mobile device data storage means and, if they do match, generate a verification message, said verification message containing contents of the transaction request message; and
encrypt the verification message to generate a secure verification message. (iv) decline transaction message generation means adapted to;
receive a decline order generated by the second predetermined entry into the keypad; and
generate a decline transaction message, following receipt of said decline order; and
(v) message transfer means for transferring the secure verification message, or the decline transaction message, to the mobile device telecommunication means for sending to the system server;
(d) a transaction processing server, in secure communication with the system server, comprising;
(i) means for receiving the secure verification message;
(ii) means for decrypting the secure verification message; and
(iii) processing means for;
identifying a customer account associated with the customer identifying indicia;
identifying a supplier account associated with the supplier identifying indicia;
arranging for said customer account to be debited by the monetary amount of the transaction; and
arranging for said supplier account to be credited by said monetary amount. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 29)
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26. A message processing program module, for use in a mobile communication device, which device forms part of a transaction processing system, said program module comprising:
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(a) mobile device data storage means containing a customer security criterion;
(b) message receiving means for receiving the transaction request message from the system server;
(c) transaction authorisation means adapted to;
(i) extract transaction data and the supplier identifying indicia contained in the transaction request message;
(ii) generate and display, on a visual display screen of the mobile communication device, a text message containing the transaction data, the supplier identifying indicia and a request for the customer either to;
authorise the transaction, by making a first predetermined entry in a keypad of the mobile device, said predetermined entry including a secret identification parameter of the customer, or decline the transaction, by making a second predetermined entry in the keypad;
(d) verification message generation means adapted to;
(i) receive an authorisation order generated by the first predetermined entry into the keypad;
(ii) following receipt of said authorisation order, verify that the identification parameter matches the customer security criterion in the mobile device data storage means and, if they do match, generate a verification message, said verification message containing contents of the transaction request message; and
(iii) encrypt the verification message to generate a secure verification message. (e) decline message generation means adapted to;
(i) receive a decline order generated by the second pre-determined entry into the keypad; and
(ii) generate and send a decline transaction message, following receipt of said decline order; and
(f) message transfer means for transferring the secure verification message or the decline message to the mobile device telecommunication means for sending to the system server. - View Dependent Claims (27, 28)
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30. A method of processing a transaction between a supplier and a customer, using a transaction processing system, said method comprising:
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(a) within the supplier device;
(i) receiving transaction data and customer-supplied customer identifying indicia;
(ii) generating a transaction message containing the supplier identifying indicia (obtained from data storage means within the supplier device), the transaction data and the customer identifying indicia;
(iii) transmitting the transaction message to the supplier device telecommunications means; and
(iv) sending the transaction message to the system server;
(b) within the system server;
(i) receiving the transaction message;
(ii) verifying that the supplier identifying indicia and the customer identifying indicia in the transaction message match corresponding indicia within the supplier information and customer information (stored in data storage means within the server);
(iii) issuing either a transaction proceed order or a transaction terminate order based on result of said verification;
(iv) transmitting the transaction proceed order or the transaction terminate order to the server message generation means;
(v) generating, within the server message generation means, either;
a transaction denied message following receipt of a transaction terminate order;
ora transaction request message following receipt of a transaction proceed order, said message containing, the supplier identifying indicia, the transaction data, the customer identifying indicia, and a unique transaction identifier which is different for each transaction;
(vi) transmitting the transaction denied message or the transaction request message to the server telecommunications means;
(vii) sending the transaction denied message to the supplier device or sending the transaction request message to mobile device telecommunication means of the customer;
(c) within the mobile communication device;
(i) receiving, within the telecommunication means of the mobile device, the transaction request message;
(ii) transmitting the transaction request message to receiving means within a message processing program module;
(iii) said module;
extracting transaction data and supplier data from the transaction request message;
generating and displaying, on a visual display screen of the mobile communication device, a message containing the transaction data, the supplier identifying indicia and a request for the customer either to;
authorise the transaction, by making a first predetermined entry in a keypad of the mobile device, said predetermined entry including a secret identification parameter of the customer, or
decline the transaction, by making a second predetermined entry in the keypad;
receiving an authorisation order generated by the first pre-determined entry into the keypad;
following receipt of said authorisation order, verifying that the identification parameter matches the customer security criterion in the mobile device data storage means and, if they do match, generating a verification message, said verification message containing the contents of the transaction request message;
encrypting the verification message to generate a secure verification message;
transferring the secure verification message to the mobile device telecommunication means;
(iv) sending the secure verification message to the system server. - View Dependent Claims (31, 32, 33, 34, 35, 36)
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37. A transaction processing system, comprising:
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(a) a supplier device for initiating a transaction between a customer and a supplier;
(b) a transaction processing server adapted to process said transaction; and
(c) a system server adapted to receive messages from, and forward messages to, the supplier device, the transaction processing server and a mobile communication device;
wherein;
(i) the supplier device is adapted so that, when initiating a transaction, it forwards a transaction initiation message to the system server; and
(ii) the system server is adapted so that;
after receiving said transaction initiation message, it sends a first transaction authorisation request to the mobile communication device;
it may receive a secured first transaction verification message from the mobile communication device in response to said authorisation request;
upon receipt of said secured first transaction verification message, it sends a second transaction authorisation request to the transaction processing server;
it receives a second transaction verification message from the transaction processing server; and
provided the second transaction verification message satisfies predetermined criteria, it sends a first transaction approval message to said supplier device. - View Dependent Claims (38)
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39. A system server for facilitating an electronic financial transaction, said system server being adapted to communicate with a supplier device, a mobile communication device of a customer and a transaction processing server, wherein said system server is further adapted to:
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(a) receive a transaction initiation message from a supplier device, said message containing certain customer identifying indicia;
(b) identify the customer by reference to customer identifying indicia;
(c) send a first transaction authorisation request to the mobile communication device of the identified customer in response to receiving the transaction initiation message;
(d) receive a secured first transaction verification message from the mobile communication device;
(e) send a second transaction authorisation request to the transaction processing server;
(f) receive a second transaction verification message from the transaction processing server; and
(g) send a first transaction approval message to said supplier device if the second transaction verification message satisfies predetermined approval criteria. - View Dependent Claims (40)
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41. A method of facilitating an electronic financial transaction between a supplier and a customer, using a system server, which is adapted to communicate with a supplier device, a mobile communication device of a customer and a transaction processing server, wherein the system server performs the steps of.
(a) receiving a transaction initiation message from the supplier device; -
(b) sending a first transaction authorisation request to the mobile communication device in response to receiving the transaction initiation message;
(c) receiving a secured first transaction verification message from the mobile communication device;
(d) sending a second transaction authorisation request to the transaction processing server;
(e) receiving a second transaction verification message from the transaction processing server; and
(f) sending a first transaction approval message to said supplier device if the second transaction verification message satisfies predetermined approval criteria. - View Dependent Claims (42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52)
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53. (canceled)
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54. (canceled)
Specification