SWITCHING FUNCTIONS FOR MOBILE PAYMENTS SYSTEM
First Claim
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.
1 Assignment
0 Petitions
Accused Products
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.
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Citations
19 Claims
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1. A method comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method comprising:
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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. - View Dependent Claims (9, 10, 11)
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12. An apparatus comprising:
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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. - View Dependent Claims (13, 14, 15, 16)
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17. An apparatus comprising:
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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; andresponding 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. - View Dependent Claims (18, 19)
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Specification