ACCOUNT INFORMATION LOOKUP SYSTEMS AND METHODS IN MOBILE COMMERCE

• US 20080208741A1
• Filed: 07/30/2007
• Published: 08/28/2008
• Est. Priority Date: 02/22/2007
• Status: Abandoned Application

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Arthur, Steven E., Owen, Sarah, VanDeburg, Theodore, Toomer, Christopher L.
• Application Number:
  US11/830,362
• Publication Number:
  US 20080208741A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"

Abstract

Methods, systems, and machine-readable media are disclosed for providing account information to a mobile wallet application in a mobile commerce system. According to one embodiment, a method of providing account information for a financial account to a mobile wallet of a mobile device can comprise receiving at a mobile wallet server a request for the account information. For example, the account information can comprise an account balance. In another example, the account information can comprise an account transaction history. An account inquiry can be sent from the mobile wallet server to an acquirer system. The account information can be received at the mobile wallet server from the acquirer system and sent from the mobile wallet server to the mobile wallet of the mobile device.

Claims

1. A method of providing account information for a financial account to mobile wallet application of a mobile device, the method comprising:

receiving at a mobile wallet server a request for the account information;

sending an account inquiry from the mobile wallet server to an acquirer system;

receiving the account information at the mobile wallet server from the acquirer system; and

sending the account information from the mobile wallet server to the mobile wallet of the mobile device.

2. The method of claim 1, wherein the request for account information includes information identifying the financial account.

3. The method of claim 2, wherein the information identifying the financial account comprises and account number.

4. The method of claim 2, further comprises determining an account number of the financial account based on the information identifying the financial account.

5. The method of claim 1, wherein the account information comprises an account balance.

6. The method of claim 1, wherein the account information comprises an account transaction history.

7. The method of claim 1, wherein receiving the request for the account information and sending the account information from the mobile wallet server to the mobile wallet of the mobile device are performed via a wireless communications network.

8. The method of claim 7, wherein the wireless communications network comprises a cellular network.

9. A mobile commerce system comprising:

a wireless communications network;

a mobile device communicatively coupled with the wireless communications network and adapted to execute a mobile wallet application, the mobile wallet application including information identifying a financial account, wherein the mobile wallet is adapted to request account information for the financial account;

an acquirer system adapted to access account information for a plurality of financial accounts; and

a mobile wallet server communicatively coupled with the wireless communications network and the acquirer system, the mobile wallet server adapted to receive the request for the account information from the mobile wallet of the mobile device via the wireless communications network, send an account inquiry to the acquirer system, receive the account information from the acquirer system, and send the account information to the mobile wallet of the mobile device via the wireless communications network.

10. The system of claim 9, wherein the request for account information includes information identifying the financial account.

11. The system of claim 10, wherein the information identifying the financial account comprises an account number.

12. The system of claim 10, wherein the mobile wallet server is adapted to determine an account number of the financial account based on the information identifying the financial account.

13. The system of claim 10, wherein the account inquiry includes the information identifying the financial account and the acquirer system is adapted to determine an account number of the financial account based on the information identifying the financial account.

14. The system of claim 9, wherein the account information comprises an account balance.

15. The system of claim 9, wherein the account information comprises an account transaction history.

16. The system of claim 9, wherein the wireless communications network comprises a cellular network.

17. A machine-readable medium having stored thereon a series of instructions which, when executed by a processor, cause the processor to provide account information to a mobile wallet application of a mobile device by:

receiving at a mobile wallet server a request for the account information;

sending an account inquiry from the mobile wallet server to an acquirer system;

receiving the account information at the mobile wallet server from the acquirer system; and

sending the account information from the mobile wallet server to the mobile wallet of the mobile device.

18. The machine-readable medium of claim 17, wherein the request for account information includes information identifying the financial account.

19. The machine-readable medium of claim 18, wherein the information identifying the financial account comprises and account number.

20. The machine-readable medium of claim 18, further comprises determining an account number of the financial account based on the information identifying the financial account.

21. The machine-readable medium of claim 17, wherein the account information comprises an account balance.

22. The machine-readable medium of claim 17, wherein the account information comprises an account transaction history.

23. The machine-readable medium of claim 17, wherein receiving the request for the account information and sending the account information from the mobile wallet server to the mobile wallet of the mobile device are performed via a wireless communications network.

24. The machine-readable medium of claim 23, wherein the wireless communications network comprises a cellular network.