SYSTEMS, METHODS, AND COMPUTER READABLE MEDIA FOR PAYMENT AND NON-PAYMENT VIRTUAL CARD TRANSFER BETWEEN MOBILE DEVICES

• US 20100088188A1
• Filed: 10/06/2009
• Published: 04/08/2010
• Est. Priority Date: 10/06/2008
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Kumar, Pradeep, Khan, Mohammad
• Granted Patent: US 10,026,076 B2
• Time in Patent Office: Days
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• 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 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/351 Virtual cards

Abstract

The subject matter described herein includes methods, systems, and computer readable media for virtual card transfer between near field communications (NFC)-enabled mobile devices. According to one aspect, a method for over-the-air (OTA) virtual card transfer between NFC-enabled mobile devices is disclosed. The method includes receiving, at an OTA provisioning server, a virtual card, from a sending mobile device, that is intended for a receiving mobile device. The virtual card is provisioned, over the air, to the receiving mobile device, where the virtual card is immediately presentable by the receiving mobile device at a point of sale terminal.

Claims

1. A method for over-the-air (OTA) virtual card transfer between near field communications (NFC)-enabled mobile devices, the method comprising:

at an OTA provisioning server comprising at least one computer having associated hardware;

receiving, from a sending mobile device, a virtual card intended for a receiving mobile device;

provisioning the virtual card to the receiving mobile device via an OTA interface, wherein the virtual card is immediately presentable by the receiving mobile device at a point of sale terminal.

2. The method of claim 1 comprising receiving identification information associated with at least one of the sending mobile device and the receiving mobile device, wherein the identification information includes at least one of a phone number, a name, and an address.

3. The method of claim 1 wherein receiving a virtual card includes communicating over at least one of an over-the-air and an Internet protocol (IP)-based communications network.

4. The method of claim 3 wherein communicating over an over-the-air communications network includes communicating over one of a general packet radio service (GPRS), enhanced data rates for GSM evolution (EDGE), code division multiple access (CDMA), 3G, 4G, and long term evolution (LTE) network.

5. The method of claim 3 wherein communicating over an IP-based network includes communicating over one of a Wi-Fi, worldwide interoperability for microwave access (Wi-Max), and an Ethernet network.

6. The method of claim 1 wherein receiving a virtual card includes receiving an electronic, monetary deposit using at least one of hypertext transfer protocol (HTTP), transmission control protocol (TCP), short message service (SMS), CAT_TP, code division multiple access (CDMA), Bluetooth, general packet radio service (GPRS), global system for mobile communications (GSM), Wi-Fi, SMS point-to-point (PP), Bearer Independent Protocol (BIP), and user datagram protocol (UDP).

7. The method of claim 1 wherein provisioning a virtual card includes communicating over at least one of an over-the-air and an Internet protocol (IP)-based communications network.

8. The method of claim 7 wherein provisioning a virtual card includes provisioning a virtual card using at least one of a general packet radio service (GPRS), enhanced data rates for GSM evolution (EDGE), code division multiple access (CDMA), 3G, 4G, and long term evolution (LTE) network.

9. The method of claim 7 wherein communicating over an IP-based network includes communicating over one of a Wi-Fi, worldwide interoperability for microwave access (Wi-Max), and an Ethernet network.

10. The method of claim 1 wherein provisioning a virtual card includes provisioning an electronic, monetary account using at least one of hypertext transfer protocol (HTTP), transmission control protocol (TCP), short message service (SMS), CAT_TP, code division multiple access (CDMA), Bluetooth, general packet radio service (GPRS), global system for mobile communications (GSM), Wi-Fi, SMS point-to-point (PP), Bearer Independent Protocol (BIP), and user datagram protocol (UDP).

11. The method of claim 1 wherein provisioning the virtual card includes initiating one of an open loop or a closed loop account.

12. The method of claim 1 wherein provisioning the virtual card includes transmitting a control short message service (cSMS) message to the receiver, wherein the cSMS message is configured to access a wallet application associated with the receiving mobile device.

13. The method of claim 1 wherein provisioning the virtual card includes establishing a bearer independent protocol (BIP) using one of SMS PP and CAT_TP protocol to UICC/USIM without accessing the wallet application residing in the phone baseband memory.

14. The method of claim 1 comprising prompting the receiver to confirm the provisioning of the virtual card.

15. The method of claim 1 comprising storing the virtual card in a secure element in one of the sending mobile device and the receiving mobile device.

16. The method of claim 1 comprising encrypting at least one of the communications between the sending mobile device, the OTA provisioning server, and the receiving mobile device.

17. The method of claim 1 comprising authorizing the presentation of the virtual card.

18. The method of claim 17 wherein authorizing the virtual card transfer includes retrieving at least one of track I data, track II data, a routing number, a bank account number, a credit card number, an expiration date, a debit card number, and an automated clearing house (ACH) identifier.

30. The OTA provisioning server of claim 18 wherein the account module provisions the virtual card using a control short message service (cSMS) message to the receiver, wherein the cSMS message is configured to access a wallet application associated with the receiving mobile device.

19. An over-the-air (OTA) provisioning server for providing virtual card transfer between near field communications (NFC)-enabled mobile devices, the OTA provisioning server comprising:

a receiving module for receiving, from a sending mobile device, an electronic, monetary deposit for a predetermined amount for a receiving mobile device; and

an account module for provisioning an electronic, monetary account in the predetermined amount for the receiving mobile device, wherein the deposit is immediately usable by the receiving mobile device at a point of sale terminal, wherein the OTA provisioning server is implemented by at least one computer having associated hardware.

20. The OTA provisioning server of claim 19 wherein the receiving module receives identification information associated with at least one of the sender and the receiver, wherein the identification information includes at least one of a phone number, a name, and an address.

21. The OTA provisioning server of claim 19 wherein the receiving module receives an electronic, monetary deposit over at least one of an over-the-air and an Internet protocol (IP)-based communications network.

22. The OTA provisioning server of claim 21 wherein the receiving module communicates over an over-the-air communications network includes communicating over one of a general packet radio service (GPRS), enhanced data rates for GSM evolution (EDGE), code division multiple access (CDMA), 3G, 4G, and long term evolution (LTE) network.

23. The OTA provisioning server of claim 21 wherein the receiving module communicates over an IP-based network includes communicating over one of a Wi-Fi, worldwide interoperability for microwave access (Wi-Max), and an Ethernet network.

24. The OTA provisioning server of claim 19 wherein the receiving module receives a virtual card via at least one of hypertext transfer protocol (HTTP), transmission control protocol (TCP), short message service (SMS), CAT_TP, code division multiple access (CDMA), Bluetooth, general packet radio service (GPRS), global system for mobile communications (GSM), Wi-Fi, SMS point-to-point (PP), Bearer Independent Protocol (BIP), and user datagram protocol (UDP).

25. The OTA provisioning server of claim 19 wherein the account module provisions the virtual card by communicating over at least one of an over-the-air and an Internet protocol (IP)-based communications network.

26. The OTA provisioning server of claim 25 wherein the account module provisions a virtual card via at least one of a general packet radio service (GPRS), enhanced data rates for GSM evolution (EDGE), code division multiple access (CDMA), 3G, 4G, and long term evolution (LTE) network.

27. The OTA provisioning server of claim 25 wherein the account module provisions a virtual card via an IP-based network including one of a Wi-Fi, worldwide interoperability for microwave access (Wi-Max), and an Ethernet network.

28. The OTA provisioning server of claim 25 wherein the account module provisions a virtual card via at least one of hypertext transfer protocol (HTTP), transmission control protocol (TCP), short message service (SMS), CAT_TP, code division multiple access (CDMA), Bluetooth, general packet radio service (GPRS), global system for mobile communications (GSM), Wi-Fi, SMS point-to-point (PP), Bearer Independent Protocol (BIP), and user datagram protocol (UDP).

29. The OTA provisioning server of claim 19 wherein the virtual card is one of an open loop or a closed loop virtual card.

31. The method of claim 19 wherein account module provisions the virtual card by establishing a bearer independent protocol (BIP) using one of SMS PP and CAT_TP protocol to UICC/USIM without accessing the wallet application residing in the phone baseband memory.

32. The OTA provisioning server of claim 19 wherein the transmitting module prompts the receiver to confirm the transmission of the electronic, monetary deposit

33. An acceptance and issuance server, the server comprising:

a first module being communicatively coupled to a contactless payment interface, the contactless payment interface being configured to communicate, over the air, with a near field communications (NFC)-enabled mobile device for retrieving virtual card information from a secure element on the mobile device;

a second module being communicatively coupled to a financial institution for;

communicating the virtual card information to the financial institution;

for verifying and authorizing a proposed transaction based on the virtual card information; and

for completing the transaction using the virtual card,

wherein the acceptance and issuance server is implemented by at least one computer having associated hardware.

34. The acceptance and issuance server of claim 33 wherein retrieving the virtual card information includes retrieving one of track I data, track II data, a routing number, a bank account number, a credit card number, an expiration date, a debit card number, and an automated clearing house (ACH) identifier.

35. The acceptance and issuance server of claim 33 wherein completing the transaction includes one of accepting or rejecting the transaction based on a comparison of an amount of the virtual card and the purchase price of the proposed transaction.

36. The acceptance and issuance server of claim 33 wherein completing the transaction includes debiting the virtual card for the purchase price of the proposed transaction.

37. A computer readable medium having stored thereon computer executable instructions that when executed by the processor of a computer control the computer to perform steps comprising:

at an OTA provisioning server;

receiving, from a sending mobile device, a virtual card intended for a receiving mobile device;

provisioning the virtual card to the receiving mobile device via an OTA interface, wherein the virtual card is immediately presentable by the receiving mobile device at a point of sale terminal.