NFC MOBILE WALLET PROCESSING SYSTEMS AND METHODS

• US 20150186871A1
• Filed: 02/26/2015
• Published: 07/02/2015
• Est. Priority Date: 04/09/2010
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Laracey, Kevin
• Granted Patent: US 10,304,051 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• 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 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for employing the wireless or near field communication (“NFC”) functionality of mobile devices and payment terminals for use in payment, loyalty, and offer and coupon transactions.

Claims

1. A method for operating a mobile device to perform a transaction between a customer and a merchant, where the mobile device is operated by the customer to initiate transaction processing, the method comprising:

obtaining a checkout token associated with the transaction;

causing the checkout token to be communicated to the merchant over a near field communication (“

NFC”

) communication link for use in communication between the merchant and the transaction management system associated with the transaction;

receiving, from said transaction management system, information associated with said payment transaction; and

transmitting, to said transaction management system, a message including information for use in completing said transaction.

2. The method of claim 1, wherein said checkout token is or includes an identifier usable by said merchant to route an authorization request message to at least one of said transaction management system and an entity associated with said transaction management system.

3. The method of claim 1, wherein said checkout token is formatted as a payment account number (“

PAN”

), said PAN usable to identify at least one of said transaction management system and an entity associated with said transaction management system.

4. The method of claim 1, wherein said checkout token is formatted to include at least one of a bank identification number (“

BIN”

) and an issuer identification number (“

IIN”

) usable to identify at least one of said transaction management system and an entity associated with said transaction management system.

5. The method of claim 1, wherein said NFC communication link is between said mobile device and an NFC reader associated with said merchant.

6. The method of claim 5, wherein said mobile device transmits said checkout token to said NFC reader in accordance with a message protocol of said NFC reader.

7. The method of claim 1, wherein said information associated with said transaction received from said transaction management system includes information used by said mobile device to identify at least one of (i) a transaction amount, (ii) said merchant, and (iii) at least a first account of said customer available for use in said transaction.

8. The method of claim 1, wherein said obtaining a checkout token associated with the transaction further comprises:

transmitting, to the transaction management system, a request for a checkout token; and

receiving said checkout token.

9. The method of claim 1, wherein said obtaining a checkout token associated with the transaction further comprises at least one of:

(i) generating the transaction token, and (ii) retrieving a stored token.

10. The method of claim 1, wherein said information associated with said payment transaction further includes information used by said mobile device to identify at least a first offer available for use in said transaction.

11. A merchant system, comprising:

a processor; and

a memory in communication with the processor and storing program instructions, the processor operative with the program instructions to;

receive, from a mobile device over a near field communications (“

NFC”

) interface, a checkout token;

generate a transaction request message including said checkout token and transaction details associated with a current transaction at said merchant system;

transmitting said transaction request message to an issuer of said checkout token; and

receiving a transaction approval response message from said issuer of said checkout token, wherein said issuer of said checkout token is not the issuer of a payment account used in said transaction.

12. The merchant system of claim 11, wherein said checkout token is or includes an identifier usable by said merchant system to route an authorization request message to at least one of a transaction management system and an entity associated with said transaction management system.

13. The merchant system of claim 11, wherein said checkout token is formatted as a payment account number (“

PAN”

), said PAN usable to identify at least one of a transaction management system and an entity associated with said transaction management system.

14. The merchant system of claim 11, wherein said checkout token is formatted to include at least one of a bank identification number (“

BIN”

) and an issuer identification number (“

IIN”

) usable to identify at least one of a transaction management system and an entity associated with said transaction management system.

15. The merchant system of claim 11, wherein said NFC interface is between said mobile device and an NFC reader associated with said merchant system.

16. The merchant system of claim 15, wherein said mobile device transmits said checkout token to said NFC reader in accordance with a message protocol of said NFC reader.

17. A system, comprising:

a processor; and

a memory in communication with the processor and storing program instructions, the processor operative with the program instructions to;

receive, from said merchant, a message containing (i) a checkout token received from a mobile device associated with a user via a wireless communication session, and (ii) details of a transaction involving said merchant and said user;

receive, from said mobile device, a transaction confirmation request message; and

identify, based on information from said transaction confirmation request message, an actual payment account of said user for use in completing said transaction.

18. The system of claim 17, wherein said wireless communication session between said mobile device and said merchant is an NFC communication session.

19. The system of claim 17, wherein the processor is further operative with the program instructions to:

receive, from said mobile device operated by said user, a request to initiate transaction processing associated with a transaction involving said user; and

transmit, to said mobile device, a checkout token for use with said transaction, said checkout token formatted for near field communication (“

NFC”

) transmission from said mobile device to said merchant associated with said transaction.

20. The system of claim 17, wherein the processor is further operative with the program instructions to:

determine that said checkout token received from said merchant is a valid checkout token.

21. The system of claim 20, wherein the processor is further operative with the program instructions to:

determine that said checkout token received from said merchant is not associated with a pending transaction session; and

identify a default payment account associated with said user for use in completing said transaction.