NFC PAIRED BLUETOOTH E-COMMERCE

• US 20140279479A1
• Filed: 05/30/2014
• Published: 09/18/2014
• Est. Priority Date: 10/12/2011
• Status: Abandoned Application

• Current Assignee: Mastercard Mobile Transactions Solutions, Inc. (MasterCard Incorporated)
• Original Assignee: C-SAM Incorporated (MasterCard Incorporated)
• Inventors: Maniar, Nehal, Morgan, Douglas J.
• Application Number:
  US14/291,687
• Publication Number:
  US 20140279479A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/08 Payment architectures
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• 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 20/3263 characterised by activation or deactivation of payment capabilities
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 30/06 Buying, selling or leasing transactions
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

A method for performing an electronic transaction over two distinct networks with a mobile wallet comprises the steps of receiving form of payment information from a mobile wallet over a first wireless network of a retail environment with a mobile device on which the mobile wallet is deployed; sending second wireless network description information of the retail environment over the first wireless network to facilitate access to the second wireless network by the mobile device, wherein the first wireless network operates within access range of the second wireless network; sending service information from a service provider associated with the retail environment over the second wireless network to request execution of a service provider-specific widget on the mobile device; and completing the electronic transaction, that was initiated by receiving the default form of payment information, by exchanging payment confirmation information over the second network via the service provider-specific widget.

Claims

1-27. -27. (canceled)

28. A method for performing an electronic transaction over two distinct networks with a mobile wallet, comprising:

receiving form of payment information from a mobile wallet over a first wireless network of a retail environment with a mobile device on which the mobile wallet is deployed;

sending second wireless network description information of the retail environment over the first wireless network to facilitate access to the second wireless network by the mobile device, wherein the first wireless network operates within access range of the second wireless network;

sending service information from a service provider associated with the retail environment over the second wireless network to request execution of a service provider-specific widget on the mobile device; and

completing the electronic transaction, that was initiated by receiving the default form of payment information, by exchanging payment confirmation information over the second network via the service provider-specific widget.

29. A method for performing an electronic transaction over two distinct networks, comprising:

sending form of payment information from a mobile wallet over a first wireless network with a mobile device on which the mobile wallet is deployed;

receiving second network description information over the first wireless network;

executing a service provider-specific widget on the mobile device in response to service information received over the second network; and

completing the electronic transaction, that was initiated by sending the default form of payment information, by exchanging payment confirmation information over the second network via the service provider-specific widget.

30. A method for performing an electronic transaction over two distinct networks, comprising:

sending form of payment information from a mobile wallet over a first wireless network with a mobile device on which the mobile wallet is deployed;

receiving second network description information over the first wireless network;

executing a service provider-specific widget on the mobile device based on service provider information derived from the second network description information; and

completing the electronic transaction, that was initiated by sending the default form of payment information, by exchanging payment confirmation information over the second network via the service provider-specific widget.

31. The method of claim 30, wherein the first wireless network is a near-field communication network.

32. The method of claim 30, wherein sending the form of payment information comprises:

receiving a request to confirm a purchase;

providing the request to the mobile wallet;

accessing a default form of payment information from secure storage on the mobile device; and

transmitting a representation of the form of payment over the first wireless network.

33. The method of claim 30, wherein accessing a form of payment information from secure storage on the mobile device comprises executing a mobile wallet companion applet that is authorized to access the secure storage and providing payment information to the mobile wallet.

34. The method of claim 30, wherein form of payment information includes mobile wallet identification information suitable for identifying at least one service provider for completing the electronic transaction.

35. The method of claim 30, wherein receiving second network description information comprises receiving information to facilitate accessing the second network and for authentication of the mobile device to perform secure electronic transactions over the second network, wherein the second network is a secure local area wireless network.

36. The method of claim 30, wherein executing a service provider-specific widget comprises:

determining which service provider-specific widget to execute based on the service information;

loading the determined service provider-specific widget into a container executing on the mobile device; and

executing the service provider-specific widget within a run-time environment provided by the container.

37. The method of claim 30, wherein completing the electronic transaction comprises using the service provider-specific widget to access a second form of payment information via the wallet and sending the second form of payment information for completing the transaction instead of the form of payment information.

38. The method of claim 37, wherein the second form of payment information is identified in the service information.

39. The method of claim 37, wherein the second form of payment information is a default form of payment information associated with the service provider-specific widget.

40. The method of claim 30, wherein completing the electronic transaction comprises using the service provider-specific widget to facilitate confirmation of the electronic transaction by presenting a branded transaction confirmation request to the user of the mobile device and forwarding a user response thereto to a service provider from which the service information was received.

41. The method of claim 30, wherein completing the electronic transaction comprises using the service provider-specific widget to receive and store in the mobile wallet a branded receipt for the electronic transaction from a service provider from which the service information was received.

42. The method of claim 30, further comprising updating network availability status of the mobile wallet based on establishing a network connection using the second network between the mobile device and a remote service provider.

43. The method of claim 42, wherein the remote service provider is an electronic transaction facilitator for a retail environment of the first and second networks.

44. The method of claim 43, wherein the second network is one of Bluetooth and Wi-Fi.

45-74. -74. (canceled)