SYSTEM AND METHOD FOR CONDUCTING MOBILE COMMERCE
First Claim
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.
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Accused Products
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.
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Citations
24 Claims
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1. A system for conducting mobile commerce, comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method of conducting mobile commerce with a smartphone user, comprising:
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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. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18)
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19. A distributed central system for conducting mobile commerce with a remote smartphone, comprising:
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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. - View Dependent Claims (20, 21, 22, 23)
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24. A smartphone comprising:
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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.
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Specification