System and Method of Managing Contactless Payment Transactions Using A Mobile Communication Device As A Stored Value Device
First Claim
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1. A transaction terminal including a data processing system supporting mobile payment, comprising:
- a data processor, including program storage storing programs including instructions executable by the data processor, and having data communication resources supporting a plurality of communication protocols including at least one protocol for data communications with a server and at least one protocol for wireless proximity coupling;
said programs being adapted to maintain records in memory of transactions involving transfer of stored value on mobile communication devices, to authenticate a mobile communication device for communications via the wireless proximity coupling, and to communicate with a server for settlement of accounts based on the records of transactions;
said programs including a program adapted to execute a transaction to change the stored value in a mobile communication device, including;
receiving data representing a stored value from the mobile communication device using the wireless proximity coupling; and
passing a record of the particular transaction to a transaction operations server via a communications channel through a communication network for reconciliation with a second record of the particular transaction sent from the mobile communication device to the transaction operations server via a communication channel through the telephone service provider network.
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Abstract
A method handling payment transactions in a system using mobile communication devices as stored value devices is disclosed. A transaction operations server receives multiple records of the transaction from the stored value device—one via a communication channel through the telecommunication provider network, and another via an independent communication channel. The records are reconciled at the transaction server for transaction verification.
49 Citations
19 Claims
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1. A transaction terminal including a data processing system supporting mobile payment, comprising:
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a data processor, including program storage storing programs including instructions executable by the data processor, and having data communication resources supporting a plurality of communication protocols including at least one protocol for data communications with a server and at least one protocol for wireless proximity coupling; said programs being adapted to maintain records in memory of transactions involving transfer of stored value on mobile communication devices, to authenticate a mobile communication device for communications via the wireless proximity coupling, and to communicate with a server for settlement of accounts based on the records of transactions; said programs including a program adapted to execute a transaction to change the stored value in a mobile communication device, including; receiving data representing a stored value from the mobile communication device using the wireless proximity coupling; and passing a record of the particular transaction to a transaction operations server via a communications channel through a communication network for reconciliation with a second record of the particular transaction sent from the mobile communication device to the transaction operations server via a communication channel through the telephone service provider network. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method of a transaction terminal to support mobile payment, comprising:
the transaction terminal executing a particular transaction to change a stored value in a mobile communication device, including; the transaction terminal communicating with the mobile communication device via a wireless proximity coupling between the transaction terminal and the mobile communication device, to authenticate the mobile communication device; the transaction terminal receiving data representing the stored value from the mobile communication device using the wireless proximity coupling; and the transaction terminal passing a record of the particular transaction to a transaction operations server via a communications channel through a communication network for reconciliation with a second record of the particular transaction sent from the mobile communication device to the transaction operations server via a communication channel through the telephone service provider network. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. A memory of a transaction terminal to support mobile payment, the program instructions comprising:
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a program to execute a particular transaction to change a stored value in a mobile communication device, including program instructions to perform; the transaction terminal communicating with the mobile communication device via a wireless proximity coupling between the transaction terminal and the mobile communication device, to authenticate the mobile communication device; the transaction terminal receiving data representing the stored value from the mobile communication device using the wireless proximity coupling; and the transaction terminal passing a record of the particular transaction to a transaction operations server via a communications channel through a communication network for reconciliation with a second record of the particular transaction sent from the mobile communication device to the transaction operations server via a communication channel through the telephone service provider network.
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Specification