Mobile phone as a point of sale (POS) device

• US 20100030651A1
• Filed: 04/30/2008
• Published: 02/04/2010
• Est. Priority Date: 11/04/2005
• Status: Abandoned Application

• Current Assignee: Utiba Pte Ltd.
• Original Assignee: Utiba Pte Ltd.
• Inventors: Matotek, Richard Victor, Ho, Justin Misha, Barnham, Andrew Charles
• Application Number:
  US12/149,387
• Publication Number:
  US 20100030651A1
• Time in Patent Office: Days
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G07G 1/14 Systems including one or more distant stations co-operating with a central processing unit data transmission in general H04L; telemetry systems for selectively calling a substation from a main station H04Q9/00
• CPC Class Codes: H04L 69/32 Architecture of open systems interconnection [OSI] 7-layer type protocol stacks, e.g. the interfaces between the data link level and the physical level
• CPC Class Codes: H04L 69/329 in the application layer [OSI layer 7]
• CPC Class Codes: H04M 3/42017 Customized ring-back tones

Abstract

A system and method for provisioning one or more value added services to a postpaid/prepaid mobile account and/or a postpaid/prepaid mobile device using a wireless communication device as a point-of-sale device, is disclosed.

Claims

1. A system for providing at least one of content and services to at least one of a prepaid and postpaid mobile account using a wireless communication device as a point of sale device, said system comprising:

(a) an application layer for performing transaction processing functions, said application layer including a mobile commerce server module for managing an end-to-end mobile commerce transaction, a services server module for managing the transactional processing between a retailer and a network entity of a third party provider, and an electronic wallet server module for managing interactions with a retailer'"'"'s virtual wallet account;

(b) an interface layer for simplifying integration of one or more third party network entities, said interface layer comprising at least one interface module for each network entity; and

(c) a middleware layer, interposed between said application layer and said interface layer, for standardizing and managing communications between the application layer and each network entity.

2. The system according to claim 1, said mobile commerce server module comprising an agent registration and management sub-system for registering and managing one or more retailer virtual accounts.

3. The system according to claim 1, said mobile commerce server module comprising a parsing and transaction management sub-system for managing end-to-end transaction flow and interaction between all modules.

4. The system according to claim 1, said mobile commerce server module comprising a transaction log, audit and reporting sub-system for capturing and storing end-to-end transaction data.

5. The system according to claim 1, said mobile commerce server module comprising a settlement and reconciliation sub-system for calculating transaction fees and commissions for all parties to a transaction in real time.

6. The system according to claim 1, said electronic wallet server module comprising an electronic wallet transaction management sub-system for managing interaction with a retailer'"'"'s virtual account.

7. The system according to claim 1, said electronic wallet server module comprising an electronic wallet stored value sub-system for managing internal interactions within a retailer'"'"'s virtual account.

8. The system according to claim 1, said electronic wallet server module comprising an agent authentication and security sub-system for authenticating requests from all modules including retailer requests.

9. The system according to claim 1, said services server module comprising a transaction management sub-system for managing delivery of at least one of content and a service.

10. The system according to claim 1, said services server module comprising a content mapping sub-system for managing confirmation of delivery of at least one of content and a service.

11. The system according to claim 1, said services server module comprising a retailer verification sub-system for managing at least one of content and a service saleable by a retailer.

12. The system according to claim 1, said services server module comprising a pricing and commission sub-system for managing at least one of charges and commissions for the retailer.

13. The system according to claim 1, said services server module comprising an identification database for managing each identification number for each at least one of content and a service offered for sale.

14. The system according to claim 1, said interface module consisting of a content interface for managing transaction load on a content delivery platform.

15. The system according to claim 1, said interface module consisting of a color ring tone interface for managing transaction load on a color ring tone platform.

16. The system according to claim 1, said interface module consisting of an alert interface for managing transaction load on an information alert platform.

17. The system according to claim 1, said interface module consisting of a postpaid interface for managing transaction load on a postpaid billing platform.

18. The system according to claim 1, said interface module consisting of a short message service interface for managing transaction load at a short message service center.

19. In a system for provisioning one or more value added services to at least one of a prepaid and postpaid mobile account using a wireless mobile device as a point-of-sale device, a computer implemented method comprises the steps of:

(a) inputting a user request into said wireless mobile device;

(b) confirming at least one of inputted user information and retailer information; and

(c) initiating delivery of user request to at least one of a prepaid and postpaid mobile device of the user.

20. In a system for provisioning one or more value added services to at least one of a prepaid and postpaid mobile account using a wireless communication device as a point-of-sale device, computer implemented instructions for:

(a) receiving user input;

(b) authenticating a desired transaction information;

(c) verifying the validity of content identification;

(d) verifying authorization of a seller to sell content data;

(e) transmitting delivery of content of said transaction to said wireless communication device; and

(f) deducting cost of content from seller'"'"'s electronic account.

21. In a system for provisioning one or more value added services to a prepaid mobile account using a wireless communication device as a point-of-sale device, a computer implemented method comprises the steps of:

(a) inputting a user request into said wireless communication device;

(b) confirming at least one of inputted user information and retailer information;

(c) initiating delivery of user request to a wireless communication device of the user; and

(d) transmitting delivery notification regarding delivery of said user request.

22. A system for using a wireless communication device as a point of sale device for delivery of at least one of content and service, said system comprising:

(a) an application layer for performing transaction processing functions, said application layer including a mobile commerce server module for managing a mobile commerce transaction, a third party billing server module for managing the transactional processing between a retailer and a network entity of a third party provider, and an electronic wallet server module for managing interactions with one or more wallet accounts;

(b) an interface layer for simplifying integration of one or more third party provider platforms; and

(c) a middleware layer, interposed between said application layer and said interface layer, for managing communications between the application layer and a third party provider platform.

23. The system according to claim 22, wherein said wireless device is engaged for payment of one or more products or services through communication with said application layer.

24. The system according to claim 23, wherein said one or more products or services include any electronic or digital data.

25. The system according to claim 23, wherein said one or more products or services is at least one of remote purchase, bill payment, point to point payment, account inquiry and currency collection.