SWITCHING FUNCTIONS FOR MOBILE PAYMENTS SYSTEM

• US 20100291895A1
• Filed: 09/24/2009
• Published: 11/18/2010
• Est. Priority Date: 05/18/2009
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Drzyzga, Krzysztof, Morris, Brian
• Granted Patent: US 8,559,923 B2
• Time in Patent Office: Days
• US Class Current: 455/410
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/351 Virtual cards
• 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
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4018 using the card verification value [CVV] associated with the card
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment

Abstract

A method includes receiving an information translation request, where the request is for translation of an account holder'"'"'s mobile telephone number into the account holder'"'"'s payment card account number. The request is related to a purchase transaction. A database is accessed to identify the account holder'"'"'s service provider and a transaction acceptance request is transmitted to the service provider. The service provider provides an indication that the account holder has accepted the transaction, and the account holder'"'"'s mobile telephone number is then translated into the payment card account number, which is then transmitted in response to the information translation request.

Claims

1. A method comprising:

receiving, in a first computer, from a second computer, an information translation request, said request for requesting translation of an account holder'"'"'s mobile telephone number into the account holder'"'"'s payment card account number, said request related to a purchase transaction;

the first computer accessing a database to identify a service provider for said account holder;

the first computer transmitting a transaction acceptance request to a third computer, said third computer operated by or on behalf of said service provider;

the first computer receiving, from the third computer, an indication that the account holder has accepted the purchase transaction;

the first computer translating the account holder'"'"'s mobile telephone number into the account holder'"'"'s payment card account number; and

the first computer responding to said indication that the account holder has accepted the purchase transaction by transmitting the account holder'"'"'s payment card account number to the second computer.

2. The method of claim 1, wherein the second computer is operated by or on behalf of an acquiring financial institution.

3. The method of claim 1, further comprising:

the first computer looking up a security code associated with the account holder'"'"'s payment card account; and

the first computer transmitting the security code to the second computer.

4. The method of claim 1, further comprising:

the first computer looking up an expiration date associated with the account holder'"'"'s payment card account; and

the first computer transmitting the expiration date to the second computer.

5. The method of claim 1, further comprising:

a fourth computer receiving an authorization request from the second computer for the purchase transaction, said fourth computer operated by or on behalf of a payment card association, the authorization request including the account holder'"'"'s payment card account number;

the fourth computer using the account holder'"'"'s payment card account number to route the authorization request to a fifth computer, the fifth computer operated by or on behalf of an issuer of the account holder'"'"'s payment card account;

the fourth computer receiving an authorization response for the purchase transaction from the fifth computer; and

the fourth computer routing the authorization response to the second computer.

6. The method of claim 5, further comprising:

the first computer receiving, from the second computer, confirmation that the purchase transaction has been completed; and

the first computer transmitting, to the third computer, confirmation that the purchase transaction has been completed.

7. The method of claim 1, further comprising:

the first computer receiving, from the second computer, confirmation that the purchase transaction has been completed; and

the first computer transmitting, to the third computer, confirmation that the purchase transaction has been completed.

8. A method comprising:

receiving, in a first computer, from a second computer, a transaction request, the second computer operated by or on behalf of a service provider, the service provider having an account holder as a customer, the transaction request related to a purchase transaction associated with the account holder, the transaction request including;

(a) first data that indicates the account holder'"'"'s mobile telephone number;

(b) second data that indicates a merchant for the purchase transaction, and (c) third data that indicates a transaction amount for the purchase transaction;

the first computer responding to the transaction request by;

accessing a database to identify an acquiring financial institution for the merchant, said accessing based on said second data;

translating the account holder'"'"'s mobile telephone number into the account holder'"'"'s payment card account number; and

transmitting, to a third computer, (a) the account holder'"'"'s payment card account number, (b) said second data, and (c) said third data;

said third computer operated by or on behalf of said acquiring financial institution.

9. The method of claim 8, wherein:

the first computer transmits, to the third computer, a security code and an expiration date for the account holder'"'"'s payment card account.

10. The method of claim 8, further comprising:

a fourth computer receiving an authorization request from the third computer for the purchase transaction, said fourth computer operated by or on behalf of a payment card association, the authorization request including the account holder'"'"'s payment card account number;

the fourth computer using the account holder'"'"'s payment card account number to route the authorization request to a fifth computer, the fifth computer operated by or on behalf of an issuer of the account holder'"'"'s payment card account;

the fourth computer receiving an authorization response for the purchase transaction from the fifth computer; and

the fourth computer routing the authorization response to the third computer.

11. The method of claim 8, wherein said service provider is a mobile payments platform service provider.

12. An apparatus comprising:

a processor; and

a memory in communication with the processor, the memory storing program instructions, the program instructions controlling the processor to perform operations as follows;

receiving, from an acquirer computer, an information translation request, said request for requesting translation of an account holder'"'"'s mobile telephone number into the account holder'"'"'s payment card account number, said request related to a purchase transaction;

accessing a database to identify a service provider for said account holder;

transmitting a transaction acceptance request to a service provider computer, said service provider computer operated by or on behalf of said service provider;

receiving, from the service provider computer, an indication that the account holder has accepted the purchase transaction;

translating the account holder'"'"'s mobile telephone number into the account holder'"'"'s payment card account number; and

responding to said indication that the account holder has accepted the purchase transaction by transmitting the account holder'"'"'s payment card account number to the acquirer computer.

13. The apparatus of claim 12, wherein the program instructions further control the processor to:

look up a security code associated with the account holder'"'"'s payment card account; and

transmit the security code to the acquirer computer.

14. The apparatus of claim 12, wherein the program instructions further control the processor to:

look up an expiration date associated with the account holder'"'"'s payment card account; and

transmit the expiration date to the acquirer computer.

15. The apparatus of claim 12, wherein the program instructions further control the processor to:

receive, from the acquirer computer, confirmation that the purchase transaction has been completed; and

transmit, to the service provider computer, confirmation that the purchase transaction has been completed.

16. The apparatus of claim 12, wherein said service provider is a mobile payments platform service provider.

17. An apparatus comprising:

a processor; and

a memory in communication with the processor, the memory storing program instructions, the program instructions controlling the processor to perform operations as follows;

receiving, from a service provider computer, a transaction request, the service provider computer operated by or on behalf of a service provider, the service provider having an account holder as a customer, the transaction request related to a purchase transaction associated with the account holder, the transaction request including;

(a) first data that indicates the account holder'"'"'s mobile telephone number;

(b) second data that indicates a merchant for the purchase transaction, and (c) third data that indicates a transaction amount for the purchase transaction; and

responding to the transaction request by;

accessing a database to identify an acquiring financial institution for the merchant, said accessing based on said second data;

translating the account holder'"'"'s mobile telephone number into the account holder'"'"'s payment card account number; and

transmitting, to an acquirer computer, (a) the account holder'"'"'s payment card account number, (b) said second data, and (c) said third data;

said third computer operated by or on behalf of said acquiring financial institution;

said acquirer computer operated by or on behalf of said acquiring financial institution.

18. The apparatus of claim 17, wherein the program instructions further control the processor to:

look up a security code associated with the account holder'"'"'s payment card account; and

transmit the security code to the acquirer computer.

19. The apparatus of claim 17, wherein the service provider is a mobile payments platform provider.