SYSTEM AND METHOD FOR CONDUCTING MOBILE COMMERCE

• US 20130254028A1
• Filed: 01/23/2013
• Published: 09/26/2013
• Est. Priority Date: 03/22/2012
• Status: Abandoned Application

• Current Assignee: Corbuss Kurumsal Telekom Hizmetleri As
• Original Assignee: Corbuss Kurumsal Telekom Hizmetleri As
• Inventors: Salci, Ali
• Application Number:
  US13/748,010
• Publication Number:
  US 20130254028A1
• Time in Patent Office: Days
• US Class Current: 705/14.53
• 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 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02

Abstract

In a system for conducting mobile commerce, a mobile operator central server sends silent authorization messages to a smartphone including a wallet application responsive to received messages to display offers, advertisements or coupons to a user. A wallet manager application resident on a remote server for selecting offers, advertisements or coupons relevant to a particular user from multiple data sources sends the selected offers or coupons in messages over a wireless link to the wallet application. The mobile operator central server receives information from the user in response to the wallet application presenting a buy option to the user. The mobile operator central server sends an authorization message to a secure payment application resident on the smartphone to present the user with a payment interface.

Claims

1. A system for conducting mobile commerce, comprising:

a mobile operator central server configured to send silent authorization messages to a smartphone including a wallet application responsive to received messages to display offers, advertisements or coupons to a user;

a wallet manager application resident on a remote server for selecting offers, advertisements or coupons relevant to a particular user from multiple data sources and sending the selected offers or coupons in messages over a wireless link to the wallet application on the smartphone;

the mobile operator central server being configured to receive merchant, user and price information from the user in response to the wallet application presenting a buy option to the user for a selected offer, advertisement or coupon and a buy action being initiated by the user; and

the mobile operator central server being operable to send an authorization message to a secure payment application resident on the smartphone to present the user with a payment interface enabling the user to confirm payment for the selected offer or to use the coupon for a purchase.

2. A system as claimed in claim 1, wherein the authorization messages are sent as silent SMS messages.

3. A system as claimed in claim 1, wherein the wallet manager is configured to request offers, advertisements or coupons from the wallet manager on a periodic basis or in response to a user request.

4. A system as claimed in claim 1, wherein the wallet manager application obtains offers, advertisements or coupons from a recommendation engine that retrieves data at least from a loyalty server and a data warehouse storing data about the user to select relevant offers, advertisements or coupons for presentation to the user.

5. A system as claimed in claim 4, wherein the wallet manager further obtains information from a social media server to identify friends of the user who have accepted a particular offer or coupon, the wallet manager being configured to send the friend information to the smartphone for display to the user.

6. A system as claimed in claim 1, wherein the secure payment application resident on the smartphone is associated with a SIM card requiring authorization from the mobile operator.

7. A system as claimed in claim 1, further comprising a wallet manager database storing product information currently in a user'"'"'s wallet application.

8. A system as claimed in claim 1, which is a distributed system with multiple servers interconnected over a network.

9. A system as claimed in claim 1, wherein the payment application is configured to invite the user to enter a PIN number to complete a purchase, and the payment application verifies the entered PIN number against data securely stored on the phone, and wherein the secure payment application opens a secure channel to a payment center for processing the payment.

10. A system as claimed in claim 1, wherein the wallet application is configured to filter the offers, advertisements or coupons in response to user input.

11. A method of conducting mobile commerce with a smartphone user, comprising:

selecting offers, advertisements or coupons relevant to a particular smartphone user in a wallet manager application resident on a remote server from multiple data sources;

and sending the selected offers, advertisements or coupons in messages over a wireless link to a wallet application on the smartphone;

the wallet application displaying the selected offers, advertisements or coupons to the smartphone user;

the wallet application accepting buy requests from the smartphone user and in response to a buy request sending merchant, user and price information to a mobile operator central server; and

the mobile operator sending an authorization message to a secure payment application resident on the smartphone in response to a buy request received at the mobile operator central server enabling the user to complete payment for the selected offer, or apply a coupon to a purchase via the secure payment application.

12. A method as claimed in claim 11, wherein the authorization messages are sent as silent SMS messages.

13. A method as claimed in claim 11, wherein the wallet application requests offers, advertisements or coupons from the wallet manager on a periodic basis or in response to a user request.

14. A method as claimed in claim 11, wherein the wallet manager obtains offers, advertisements or coupons from a recommendation engine that retrieves data at least from a loyalty server and a data warehouse storing data about the user to select relevant offers, advertisements or coupons for presentation to the user.

15. A method as claimed in claim 14, wherein the wallet manager further obtains information from a social media server to identify friends of the user who have accepted a particular offer or coupon, and sends the friend information to the smartphone for display to the user.

16. A method as claimed in claim 11, wherein the secure payment application resident on the smartphone is associated with a SIM card requiring authorization from the mobile operator.

17. A method as claimed in claim 11, further comprising storing product information currently in a user'"'"'s wallet application in a central warehouse database.

18. A method as claimed in claim 11, wherein the payment application invites the user to enter a PIN number to complete a purchase, and the payment application verifies the entered PIN number against data secure securely on the phone, and wherein the secure payment application opens a secure channel to a payment center, which processes the payment.

19. A distributed central system for conducting mobile commerce with a remote smartphone, comprising:

a mobile operator central server capable of sending silent authorization messages to the remote smartphone; and

a wallet manager application resident on a remote server for selecting offers, advertisements or coupons relevant to a particular user from multiple data sources and sending the selected offers, advertisements or coupons in messages over a wireless link to a wallet application resident on the remote smartphone; and

wherein the mobile operator central server is responsive to messages received from the smartphone to send the silent authorization messages to a secure payment application resident on the smartphone to present the user with a payment interface enabling the user to complete payment for the selected offer or to use the coupon for a purchase.

20. A system as claimed in claim 19, wherein the authorization messages are sent as silent SMS messages.

21. A system as claimed in claims 19, wherein the wallet manager application obtains offers, advertisements or coupons from a recommendation engine that retrieves data at least from a loyalty server and a data warehouse storing data about the user to select relevant offers for presentation to the user.

22. A system as claimed in claim 19, wherein the wallet manager further obtains information from a social media server to identify friends of the user who have accepted a particular offer or coupon, the wallet manager application being configured to send the friend information to the smartphone for display to the user.

23. A system as claimed in claim 19, further comprising a wallet manager database storing product information currently in a user'"'"'s wallet application.

24. A smartphone comprising:

a wallet application responsive to received messages to display offers, advertisements or coupons to a user;

the wallet application being configured to present a buy option to the user for a selected offer, advertisement or coupon and in response to a buy action by the user, sending merchant, user and price information to a mobile operator central server; and

a secure payment application resident on the smartphone accessible by the user in response to an authorization message received from the mobile operator central server to present the user with a payment interface enabling the user to confirm payment for the selected offer or to use the coupon for a purchase.