MOBILE COMMERCE INFRASTRUCTURE SYSTEMS AND METHODS

• US 20080255947A1
• Filed: 04/09/2008
• Published: 10/16/2008
• Est. Priority Date: 04/11/2007
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Friedman, Brian
• Granted Patent: US 8,548,908 B2
• Time in Patent Office: Days
• US Class Current: 705/14
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3263 characterised by activation or deactivation of payment capabilities
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04L 69/18 Multiprotocol handlers, e.g. single devices capable of handling multiple protocols

Abstract

Methods, systems, and machine readable media are disclosed for Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a system for supporting mobile commerce applications can comprise a management and control layer. The management and control layer can be adapted to control communications to and from mobile wallet applications. The system can also have a gateway services layer communicatively coupled with the management and control layer and a plurality of content provider systems communicatively coupled with the gateway services layer. The content provider systems can be adapted to provide financial transaction content or services related to the mobile commerce functions of the mobile wallet applications via the management and control layer and gateway services layer.

Claims

1. A system for supporting mobile commerce applications, the system comprising:

a plurality of wireless communications networks;

a plurality of mobile devices communicatively coupled with each of the plurality of wireless communications networks, each of the mobile devices adapted to execute a mobile wallet application providing access to a plurality of mobile commerce functions;

a management and control layer communicatively coupled with the plurality of communications networks and adapted to control communications to and from the mobile wallet applications;

a gateway services layer communicatively coupled with the management and control layer; and

a plurality of content provider systems communicatively coupled with the gateway services layer and adapted to provide financial transaction content or services related to the mobile commerce functions of the mobile wallet applications, wherein the gateway services layer is further adapted to route communications between the management and control layer and one or more of the plurality of content provider systems.

2. The system of claim 1, wherein the plurality of wireless communications networks comprises a plurality of cellular networks.

3. The system of claim 1, wherein the plurality of wireless communications networks comprises at least a first network operated by a first carrier and a second network operated by a second carrier.

4. The system of claim 1, wherein the plurality of content provider systems comprises one or more host systems of one or more financial institutions.

5. The system of claim 1, wherein the plurality of content provider systems comprises one or more payment networks.

6. The system of claim 1, wherein the plurality of content provider systems comprises one or more host systems providing marketing content.

7. The system of claim 1, wherein the management and control layer is adapted to control communications to and from the mobile wallet applications related to banking functions of the mobile wallet applications.

8. The system of claim 1, wherein the management and control layer is adapted to control communications to and from the mobile wallet applications related to payment functions of the mobile wallet applications.

9. The system of claim 1, wherein the management and control layer is adapted to control communications to and from the mobile wallet applications related to marketing functions of the mobile wallet applications.

10. The system of claim 1, wherein the gateway services layer is further adapted to provide Over-The-Air (OTA) services between the management and control layer and the plurality of content provider systems.

11. The system of claim 7, wherein the gateway services layer is further adapted to provide hosted banking services for one or more of the content provider systems.

12. The system of claim 9, wherein the gateway services layer is adapted to provide offer management services for managing information related to marketing functions of the mobile wallet applications.

13. The system of claim 1, wherein the gateway services layer is adapted to provide content management services for managing information related to content discovery functions of the mobile wallet applications.

14. A method of supporting mobile commerce applications, the system comprising:

receiving at a management and control layer of an acquirer system a message from a mobile wallet application;

determining an account number associated with the mobile wallet application;

selecting from a plurality of content provider systems a content provider system associated with the determined account number; and

forwarding the received message, account number and an indication of the selected content provider system to a gateway services layer of the acquirer system.

15. The method of claim 14, wherein determining the account number associated with the mobile wallet application is based on one or more unique identifiers in the received message.

16. The method of claim 14, wherein determining the account number associated with the mobile wallet application is based on user defined selection rules.

17. The method of claim 14, further comprising:

receiving at the gateway services layer of the acquirer system the message, account number and an indication of the selected content provider system from the management and control layer;

reading information related to the selected content provider system;

generating a message specific to a host of the selected content provider system based on the received message and the information related to the selected content provider system; and

sending the generated message to the host of the selected content provider system.

18. The method of claim 17, wherein the plurality of content provider systems comprises one or more host systems of one or more financial institutions.

19. The method of claim 17, wherein the plurality of content provider systems comprises one or more payment networks.

20. The method of claim 17, wherein the plurality of content provider systems comprises one or more host systems providing marketing content.

21. The method of claim 17, wherein the message from the mobile wallet application comprises a message related to banking functions of the mobile wallet applications.

22. The method of claim 17, wherein the message from the mobile wallet application comprises a message related to payment functions of the mobile wallet applications.

23. The method of claim 17, wherein the message from the mobile wallet application comprises a message related to marketing functions of the mobile wallet applications.

24. A machine-readable medium having stored thereon a series of instruction which, when executed by a processor, cause the processor to support mobile commerce applications by:

receiving at a management and control layer of an acquirer system a message from a mobile wallet application;

determining an account number associated with the mobile wallet application based on one or more unique identifiers in the received message;

selecting from a plurality of content provider systems a content provider system associated with the determined account number; and

forwarding the received message, account number and an indication of the selected content provider system to a gateway services layer of the acquirer system.

25. The machine-readable medium of claim 24, further comprising:

receiving at the gateway services layer of the acquirer system the message, account number and an indication of the selected content provider system from the management and control layer;

reading information related to the selected content provider system;

generating a message specific to a host of the selected content provider system based on the received message and the information related to the selected content provider system; and

sending the generated message to the host of the selected content provider system.

26. The machine-readable medium of claim 25, wherein the plurality of content provider systems comprises one or more host systems of one or more financial institutions.

27. The machine-readable medium of claim 25, wherein the plurality of content provider systems comprises one or more payment networks.

28. The machine-readable medium of claim 25, wherein the plurality of content provider systems comprises one or more host systems providing marketing content.

29. The machine-readable medium of claim 25, wherein the message from the mobile wallet application comprises a message related to banking functions of the mobile wallet applications.

30. The machine-readable medium of claim 25, wherein the message from the mobile wallet application comprises a message related to payment functions of the mobile wallet applications.

31. The machine-readable medium of claim 25, wherein the message from the mobile wallet application comprises a message related to marketing functions of the mobile wallet applications.