PAYMENT TRANSACTION PROCESSING FOR MOBILE COMPUTING DEVICES

• US 20100145861A1
• Filed: 12/08/2008
• Published: 06/10/2010
• Est. Priority Date: 12/08/2008
• Status: Abandoned Application

• Current Assignee: Qualcomm, Inc.
• Original Assignee: Palm, Inc. (TCL Technology Group Corp.)
• Inventors: Tran, Kelson, Law, Ringo, Welingkar, Bharat
• Application Number:
  US12/330,389
• Publication Number:
  US 20100145861A1
• Time in Patent Office: Days
• US Class Current: 705/76
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• 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: H04W 8/26 Network addressing or numbering for mobility support

Abstract

A server computer system comprises a memory and a processing circuit. The memory is configured to store supplier identifiers for a plurality of product suppliers. The processing circuit is configured to receive a request to make a payment from a mobile computing device via a wireless communication, to select a supplier identifier from the memory based on the request, to generate a message comprising the supplier identifier, transaction amount, and a user identifier identifying a user of the mobile computing device, and to transmit the transaction message to a server associated with an entity which processes a transaction based on the transaction message.

Claims

1. A server computer system, comprising:

a memory configured to store supplier identifiers for a plurality of product suppliers; and

a processing circuit configured to receive a request to make a payment from a mobile computing device via a wireless communication, to select a supplier identifier from the memory based on the request, to generate a message comprising the supplier identifier, transaction amount, and a user identifier identifying a user of the mobile computing device, and to transmit the transaction message to a server associated with an entity which processes a transaction based on the transaction message.

2. The server computer system of claim 1, further comprising a database configured to store applications available for purchase from the plurality of product suppliers, wherein the processing circuit is further configured to provide a list of the applications to the mobile computing device and to receive a selection of at least one of the applications from the mobile computing device, wherein the request to make a payment relates to the selected application.

3. The server computer system of claim 1, further comprising a database configured to store transaction history data based on the transaction message and other transaction history data of transactions processed by the server for the mobile computing device.

4. The server computer system of claim 3, wherein at least a portion of the transaction history data or other transaction history data is received from the server associated with the entity.

5. The server computer system of claim 1, wherein the processing circuit is configured to store a record of the transmitted transaction message in a file that does not contain data identifying the user of the mobile computing device.

6. The server computer system of claim 1, wherein the request comprises an authentication token issued by the entity to the mobile computing device.

7. The server computer system of claim 1, wherein the processing circuit is further configured to transmit a transaction fee data to the entity for a transaction fee to be paid to the entity operating the server computer system.

8. The server computer system of claim 1, wherein the processing circuit is configured to generate a product supplier account based on product supplier.

9. A mobile computing device, comprising:

a wireless transceiver; and

a processing circuit, wherein the processing circuit is configured to receive a credential regarding a user of the mobile computing device, to transmit the credential via the wireless transceiver to an authenticating server, to receive a security file from the authenticating server, and to send a payment request comprising the security file to a second server via the wireless transceiver.

10. The mobile computing device of claim 9, wherein the security file comprises at least one of a token and a certificate.

11. The mobile computing device of claim 9, wherein the second server has a different internet protocol address than the authenticating server.

12. The mobile computing device of claim 9, wherein the processing circuit is configured to receive from the second server a list of applications and to receive from a user a selection of at least one of the applications, wherein the payment request is based on the selected application.

13. The mobile computing device of claim 9, wherein the credential comprises a password, wherein the processing circuit is configured to delete the password from memory at any point in time after transmitting the security file to the authenticating server.

14. The mobile computing device of claim 9, further comprising encrypting the credential for transmission to the authenticating server.

15. The mobile computing device of claim 9, wherein the mobile computing device is a handheld computer.

16. A mobile computing device, comprising:

a wireless transceiver;

a display;

a non-volatile memory configured to store a payment application, wherein the payment application comprises user interface elements stored in the non-volatile memory; and

a processing circuit configured to operate the payment application, to control the display to provide a user interface based on the user interface elements stored in the non-volatile memory, and to receive a user credential from the user and a user request to process a payment from the user, wherein the processing circuit is configured to generate a transaction request message based on the request to process a payment and to send the transaction request message via the wireless transceiver to a remote computer.

17. The mobile computing device of claim 16, wherein the processing circuit is configured to receive transaction history data from the remote computer and to display the transaction history data on the display.

18. The mobile computing device of claim 16, wherein the payment application is not an Internet browser application.

19. The mobile computing device of claim 16, wherein the processing circuit is configured to receive a list of applications available for purchase, to display data relating to the applications on the display, and to receive a user selection of an application for download.

20. The mobile computing device of claim 19, wherein the mobile computing device is a handheld computer.