METHODS AND A SYSTEM FOR PROVIDING TRANSACTION RELATED INFORMATION

• US 20100179907A1
• Filed: 01/30/2008
• Published: 07/15/2010
• Est. Priority Date: 02/01/2007
• Status: Abandoned Application

• Current Assignee: Monitise Group Ltd. (Fiserv Incorporated)
• Original Assignee: Monitise Group Ltd. (Fiserv Incorporated)
• Inventors: Atkinson, Steven Paul
• Application Number:
  US12/525,274
• Publication Number:
  US 20100179907A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

Methods and a system for providing a service enabling users to securely request and receive data representing details of a payment card using a mobile telephony device. The data representing details of a payment card can then be used to partake in a commercial transaction in which the user is not present at, or remotely located from, the point of transaction.

Claims

1. An electronic system providing data representing details of a payment card for use in a transaction, comprising a server having:

a first interface for communication with mobile telephony devices over a mobile telephone network; and

a second interface for communication with a card issuing system for issuing data representing details of a payment card in response to the communicated information,

wherein the first interface comprises;

receiving means adapted to receive a request for the data representing details of a payment card from a user operating a mobile telephony device; and

transmitting means adapted to provide the data representing details of a payment card to a mobile telephony device,

and wherein the second interface comprises;

transmitting means adapted to transmit information to the card issuing system based on the request; and

receiving means adapted to receive data representing details of a payment card from the card issuing system.

2. A system as claimed in claim 1, wherein the first interface is for communication with a SIM card and a mobile software application of a mobile telephony device.

3. A system as claimed in any preceding claim, wherein the first interface includes a personal identification number or password security system.

4. A system as claimed in claim 3, wherein the first interface includes PIN Block 3DES encryption.

5. A system as claimed in any preceding claim, wherein the first interface further includes a lightweight transport security encryption system.

6. A system as claimed in any preceding claim, further comprising a database storing information relating to users of the system.

7. A system as claimed in any preceding claim, wherein the system implements a security verification process by verifying at least one of:

the identity of a user of a mobile telephony device;

the identity of the mobile telephony device [SIM/MSISDN];

a passcode or password provided by the user; and

a bank account identifier set by a banking organisation.

8. A system as claimed in claim 7, wherein the system is further adapted to verify a bank account personal identification number agreed with the banking organisation.

9. A system as claimed in any preceding claim wherein the information transmitted to the card issuing system comprises information relating to at least one of:

the identity of a user of a mobile telephony device;

details relating to the identity of the mobile telephony device; and

a passcode provided by the user;

requested fund amount;

type of currency; and

requested expiry date.

10. A mobile telephone network, comprising:

a system as claimed in any preceding claim; and

a plurality of user mobile telephony devices,

wherein the system is arranged to communicate with at least one banking organisation.

11. A mobile telephone network as claimed in claim 10, wherein the server is arranged to act as a gateway to banking records of at least one banking organisation.

12. A mobile telephone network as claimed in claim 10 or 11, wherein the card issuing system is arranged to act as a gateway to banking records of at least one banking organisation.

13. A mobile telephone network as claimed in any of claims 10 to 12, wherein the user mobile telephony devices are operable to request data representing details of a payment card for use in a transaction.

14. A method of requesting data representing details of a payment card for use in a transaction, the method comprising the steps of:

receiving a request for the data from a user operating a mobile telephony device, the user selecting options provided to the user by the mobile telephony device; and

processing the request and communicating information to an issuing system for issuing data representing details of a payment card in response to the data request.

15. A method as claimed in claim 14, wherein the information communicated to the card issuing system comprises information relating to at least one of:

the identity of a user of a mobile telephony device;

details relating to the identity of the mobile telephony device; and

a passcode provided by the user;

requested fund amount;

type of currency; and

requested expiry date.

16. A method as claimed in claim 15, wherein the step of processing the request comprises verifying at least one of:

the identity of a user of a mobile telephony device;

details relating to the identity of the mobile telephony device;

and a passcode provided by the user.

17. A method as claimed in claim 15 or 16, wherein the step of processing the request comprises verifying a bank account personal identification number agreed with a banking organisation.

18. A method as claimed in any of claims 14 to 17, wherein PIN Block 3DES encryption is used for communication with the user.

19. A method as claimed in any of claims 14 to 18, wherein an LTS encryption system is used for the communication with the user.

25. A method of providing data representing details of a payment card for use in a transaction, the method comprising the steps of:

requesting the data according to the method of any of claims 14 to 19;

generating the data according to the method of claim 20 or 21; and

supplying the data according to the method of any of claims 22 to 24.

20. A method of generating data representing details of a payment card for use in a transaction, the method comprising the steps of:

receiving from an intermediary information comprising user data including mobile telephony identification data; and

generating data representing details of a payment card based on the user data.

21. A method as claimed in claim 20, wherein the data representing details of a payment card comprises user identification data.

22. A method of supplying data representing details of a payment card for use in a transaction, the method comprising the steps of:

communicating the data from a card issuing system to a server having an interface for communication with a user telephony device over a mobile network; and

transmitting the data over the mobile telephony network to a user operating a mobile telephony device.

23. A method as claimed in claim 22, wherein PIN Block 3DES encryption is used for the transmission of data between the server and the user.

24. A method as claimed in claim 22 or 23, wherein an LTS encryption system is used for the transmission of data between the server and the user.

26. An electronic system providing data representing details of a payment card for use in a transaction, comprising a server having:

a first interface for communication with user mobile telephony devices over a mobile telephone network; and

a second interface for communication with a card issuing system for issuing data representing details of a payment card in response to the communicated information,

wherein the first interface is adapted to allow requests for data representing details of a payment card to be submitted to the card issuing system and to provide data representing details of a payment card to a user of a mobile telephony device.