SYSTEMS AND METHODS FOR ENABLING MOBILE PAYMENTS
First Claim
1. A computing device configured to perform actions for processing a payment authorization request, wherein the actions comprise:
- receiving, by the computing device from a merchant point-of-sale device, a payment authorization request, wherein the payment authorization request includes a payment token;
transmitting, by the computing device, a validation request to a mobile token validation module;
receiving, by the computing device, payment account information from the mobile token validation module in response to the validation request;
transmitting, by the computing device to a payment processor, a payment authorization request based on the payment account information; and
transmitting, by the computing device to the merchant point-of-sale device, a payment authorization response, the payment authorization response including a persistent token.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems, devices, and methods for processing payment transactions are provided. In some embodiments, payment account information is stored in a mobile wallet by a configuration portal server, and payment tokens are transmitted to a mobile device. A payment token may be submitted by the mobile device to a merchant point-of-sale device as part of a transaction. The payment token may be transmitted to a mobile wallet registry system, which may use the payment token to obtain the payment account information or otherwise complete the transaction. In some embodiments, more than one payment account may be stored in a mobile wallet, and more than one payment account may be associated with a given payment token.
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Citations
45 Claims
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1. A computing device configured to perform actions for processing a payment authorization request, wherein the actions comprise:
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receiving, by the computing device from a merchant point-of-sale device, a payment authorization request, wherein the payment authorization request includes a payment token; transmitting, by the computing device, a validation request to a mobile token validation module; receiving, by the computing device, payment account information from the mobile token validation module in response to the validation request; transmitting, by the computing device to a payment processor, a payment authorization request based on the payment account information; and transmitting, by the computing device to the merchant point-of-sale device, a payment authorization response, the payment authorization response including a persistent token. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for managing mobile tokens, the system comprising:
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a mobile token data store configured to store token records, each token record including a mobile token and an associated wallet identifier; a mobile token validation module communicatively coupled to the mobile token data store and configured to; receive a validation request from a requestor, the validation request including a mobile token and a payment type indication; retrieve a wallet identifier associated with the mobile token from a token record in the mobile token data store; retrieve payment account information from a configuration portal server using the mobile token and the payment type indication; and transmit the payment account information to the requestor. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A computer-implemented method for configuring and using a mobile wallet, the method comprising:
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receiving, by a configuration portal server, a wallet boarding request from a requesting device, wherein the wallet boarding request includes a mobile device identifier; creating, by the configuration portal server, a sponsor wallet in a sponsor wallet data store, the sponsor wallet including payment type information, payment account information, and the mobile device identifier; transmitting, by the configuration portal server, policy setting information and payment type information to a mobile wallet registry system; receiving, by the configuration portal server, a wallet identifier from the mobile wallet registry system; and storing, by the configuration portal server, the wallet identifier in the sponsor wallet. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27)
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28. A system for managing mobile tokens, the system comprising:
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a mobile token data store configured to store token records, each token record including a mobile token and an associated wallet identifier; a mobile token validation module communicatively coupled to the mobile token data store and configured to; receive a validation request from a requestor, the validation request including a mobile token and a payment type indication; retrieve a wallet identifier associated with the mobile token from a token record in the mobile token data store; transmit the wallet identifier to a configuration portal server; receive a validation response created by an issuer processor system of the configuration portal server; and transmit the validation response to the requestor. - View Dependent Claims (29, 30, 31, 32, 33, 34, 35, 36, 37)
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38. A mobile device configured to use a mobile wallet, wherein the mobile device is configured to execute:
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one or more sponsor applications; and a service application;
wherein the service application is configured to;receive a request from a sponsor application to use a payment token associated with a payment type; verify that the sponsor application is authorized to use the requested payment type; and in response to determining that the sponsor application is authorized, provide the requested payment token for use by the sponsor application. - View Dependent Claims (39, 40, 41, 42, 43, 44, 45)
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Specification