Wireless Data Communication Interface

• US 20160027013A1
• Filed: 07/24/2015
• Published: 01/28/2016
• Est. Priority Date: 07/24/2014
• Status: Active Grant

• Current Assignee: Worldpay US Incorporated (Fidelity National Information Services Incorporated)
• Original Assignee: Worldpay US Incorporated (Fidelity National Information Services Incorporated)
• Inventors: Modi, Nish
• Granted Patent: US 10,366,377 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 10/087 Inventory or stock management, e.g. order filling, procurement or balancing against orders
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• 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 20/203 Inventory monitoring
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

In some embodiments, the rendering a financial transaction record in a second format includes converting a tokenized first item of financial transaction information to an account-specific item of financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault. In some embodiments, the system includes a transaction execution module for transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in a secured account data vault, and transmitting in the third format the second item of financial transaction information for payment processing by the second external financial party.

Claims

1. A system for providing a wireless data communication interface, the system including:

one or more computers configured to implement by executing instructions on one or more processors a platform-agnostic wireless data communication system, wherein the wireless data system includes;

one or more receiving modules for

receiving over a wireless data communication channel a tokenized first item of financial transaction information from a customer mobile device presenting a customer-facing interface, and

receiving a second item of financial transaction information from a merchant-facing point-of-sale interface connected to the mobile device through the wireless data communication channel,

a point of sale server for

rendering in a common internal format the first item of financial transaction information from the customer-facing interface, and

rendering in the common internal format the second item of financial transaction information from the merchant-facing point-of-sale interface,

a payment processing module for

rendering in a second format the first item of financial transaction information for payment processing by a first external financial party, wherein

the rendering in the second format includes converting the tokenized first item of financial transaction information to an account-specific item of financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault, and

rendering in a third format the second item of financial transaction information for payment processing by a second external financial party, and

a transaction execution module for

transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in a secured account data vault, and

transmitting in the third format the second item of financial transaction information for payment processing by the second external financial party.

2. The system of claim 1 for providing a wireless data communication interface, further including:

an authentication module for

recognizing a customer mobile device located in an area defined within a geofence;

identifying a customer associated with the customer mobile device based at least in part on a presence of an application executing on the customer mobile device; and

issuing a session token to the application on the customer mobile device.

3. The system of claim 1 for providing a wireless data communication interface, wherein

the transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in the secured account data vault further includes transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in the secured account data vault without transmitting the financial transaction information using the account identifier associated with the tokenized first item in the registry stored in the secured account data vault to the merchant-facing point-of-sale interface.

4. The system of claim 1 for providing a wireless data communication interface, wherein

the receiving over a wireless data communication channel a tokenized first item of financial transaction information from a customer mobile device presenting a customer-facing interface further includes receiving over a Bluetooth low energy radio communication channel a tokenized first item of financial transaction information from a customer mobile device presenting a customer-facing interface;

and

the receiving a second item of financial transaction information from a merchant-facing point-of-sale interface connected to the mobile device through the wireless data communication channel further includes receiving over a broadband wireless network a second item of financial transaction information from a merchant-facing point-of-sale interface connected to the mobile device through the wireless data communication channel.

5. The system of claim 1 for providing a wireless data communication interface, wherein

the one or more receiving modules include a single stack application program interface residing on one of the one or more servers.

6. The system of claim 1 for providing a wireless data communication interface, wherein

the transaction execution module is further configured for receiving on the one or more servers a transaction authorization confirmation from the first external financial party, and

the point of sale server is further configured for transmitting to the customer-facing interface an indication of the transaction authorization confirmation.

7. The system of claim 1 for providing a wireless data communication interface, wherein the payment processing module includes a payment processing gateway for communicating with servers of external financial processors using encrypted links over a network.

8. A method for providing a wireless data communication interface, the method including:

one or more computers executing instructions on one or more processors for a wireless data communication interface method, including;

one or more receiving modules receiving over a wireless data communication channel a tokenized first item of financial transaction information from a customer mobile device presenting a customer-facing interface;

one or more receiving modules receiving a second item of financial transaction information from a merchant-facing point-of-sale interface connected to the mobile device through the wireless data communication channel;

a point of sale server rendering in a common internal format the first item of financial transaction information from the customer-facing interface;

the point of sale server rendering in the common internal format the second item of financial transaction information from the merchant-facing point-of-sale interface;

a payment processing module rendering in a second format the first item of financial transaction information for payment processing by a first external financial party, wherein

the rendering in the second format includes converting the tokenized first item of financial transaction information to an account-specific item of financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault;

the payment processing module rendering in a third format the second item of financial transaction information for payment processing by a second external financial party;

a transaction execution module transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in a secured account data vault; and

the payment processing module transmitting in the third format the second item of financial transaction information for payment processing by the second external financial party.

9. The method of claim 8 for providing a wireless data communication interface, further including:

an authentication module

recognizing a customer mobile device located in an area defined within a geofence,

identifying a customer associated with the customer mobile device based at least in part on a presence of an application executing on the customer mobile device, and

issuing a session token to the application on the customer mobile device.

10. The method of claim 8 for providing a wireless data communication interface, wherein

the transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in the secured account data vault further includes transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in the secured account data vault without transmitting the financial transaction information using the account identifier associated with the tokenized first item in the registry stored in the secured account data vault to the merchant-facing point-of-sale interface.

11. The method of claim 8 for providing a wireless data communication interface, wherein

the receiving over a wireless data communication channel a tokenized first item of financial transaction information from a customer mobile device presenting a customer-facing interface further includes receiving over a Bluetooth low energy radio communication channel a tokenized first item of financial transaction information from a customer mobile device presenting a customer-facing interface;

and

the receiving a second item of financial transaction information from a merchant-facing point-of-sale interface connected to the mobile device through the wireless data communication channel further includes receiving over a broadband wireless network a second item of financial transaction information from a merchant-facing point-of-sale interface connected to the mobile device through the wireless data communication channel.

12. The method of claim 8 for providing a wireless data communication interface, wherein

the one or more receiving modules include a single stack application program interface residing on one of the one or more servers.

13. The method of claim 8 for providing a wireless data communication interface, wherein

the transaction execution module is further configured for receiving on the one or more servers a transaction authorization confirmation from the first external financial party, and

the point of sale server is further configured for transmitting to the customer-facing interface an indication of the transaction authorization confirmation.

14. The method of claim 8 for providing a wireless data communication interface, wherein the payment processing module includes a payment processing gateway for communicating with servers of external financial processors using encrypted links over a network.

15. A non-transitory computer-readable storage medium storing program instructions for providing a wireless data communication interface, wherein the program instructions are computer-executable to implement:

one or more receiving modules receiving over a wireless data communication channel a tokenized first item of financial transaction information from a customer mobile device presenting a customer-facing interface;

one or more receiving modules receiving a second item of financial transaction information from a merchant-facing point-of-sale interface connected to the mobile device through the wireless data communication channel;

a point of sale server rendering in a common internal format the first item of financial transaction information from the customer-facing interface;

the point of sale server rendering in the common internal format the second item of financial transaction information from the merchant-facing point-of-sale interface;

a payment processing module rendering in a second format the first item of financial transaction information for payment processing by a first external financial party, wherein

the rendering in the second format includes converting the tokenized first item of financial transaction information to an account-specific item of financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault;

the payment processing module rendering in a third format the second item of financial transaction information for payment processing by a second external financial party;

a transaction execution module transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in a secured account data vault; and

the payment processing module transmitting in the third format the second item of financial transaction information for payment processing by the second external financial party.

16. The non-transitory computer-readable storage medium storing program instructions for providing a wireless data communication interface of claim 15, further including:

program instructions computer executable to implement an authentication module

recognizing a customer mobile device located in an area defined within a geofence,

identifying a customer associated with the customer mobile device based at least in part on a presence of an application executing on the customer mobile device, and

issuing a session token to the application on the customer mobile device.

17. The non-transitory computer-readable storage medium storing program instructions for providing a wireless data communication interface of claim 15, wherein

the program instructions computer executable to implement the transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in the secured account data vault further include program instructions computer executable to implement transmitting in the second format the first item of financial transaction information for payment processing by the first external financial party, wherein the second format includes the financial transaction information using the account identifier associated with the tokenized first item in a registry stored in the secured account data vault without transmitting the financial transaction information using the account identifier associated with the tokenized first item in the registry stored in the secured account data vault to the merchant-facing point-of-sale interface.

18. The non-transitory computer-readable storage medium storing program instructions for providing a wireless data communication interface of claim 15, wherein

the program instructions computer executable to implement receiving over a wireless data communication channel a tokenized first item of financial transaction information from a customer mobile device presenting a customer-facing interface further include program instructions computer executable to implement receiving over a Bluetooth low energy radio communication channel a tokenized first item of financial transaction information from a customer mobile device presenting a customer-facing interface;

and

the program instructions computer executable to implement receiving a second item of financial transaction information from a merchant-facing point-of-sale interface connected to the mobile device through the wireless data communication channel further include program instructions computer executable to implement receiving over a broadband wireless network a second item of financial transaction information from a merchant-facing point-of-sale interface connected to the mobile device through the wireless data communication channel.

19. The non-transitory computer-readable storage medium storing program instructions for providing a wireless data communication interface of claim 15, wherein

the one or more receiving modules include a single stack application program interface residing on one of the one or more servers.

20. The non-transitory computer-readable storage medium storing program instructions for providing a wireless data communication interface of claim 15, wherein

the transaction execution module is further configured for receiving on the one or more servers a transaction authorization confirmation from the first external financial party, and

the point of sale server is further configured for transmitting to the customer-facing interface an indication of the transaction authorization confirmation.