Credit card validation for an interactive wireless network

• US 6,755,342 B1
• Filed: 12/31/2001
• Issued: 06/29/2004
• Est. Priority Date: 12/31/2001
• Status: Expired due to Term

• Current Assignee: Advanced Transactions, LLC (IP Investments Group LLC)
• Original Assignee: Bellsouth Intellectual Property Corporation (AT&T, Inc.)
• Inventors: Jordan, Royce D. Jr.
• Primary Examiner(s): Fureman, Jared J.
• Assistant Examiner(s): Hess, Daniel A.
• Application Number:
  US10/036,711
• Time in Patent Office: 911 Days
• Field of Search: 235/380, 455/406, 705/39, 705/44
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

An apparatus and method for validating a credit card over a wireless network. The apparatus includes a gateway for sending a credit card validation reply message to a wireless device in response to receiving a credit card validation request message from the wireless device, the request message including credit card information for identifying a credit card to be validated. The method includes sending a first credit card validation request message to a gateway from a wireless device, the first request message including credit card information for identifying a credit card to be validated; sending a second credit card validation request message and the credit card information from the gateway over an external network in communication with the gateway to a credit card validation service provider for processing the credit card information; receiving by the gateway a first credit card validation reply message from the credit card validation service provider over the external network; and sending a second credit card validation reply message from the gateway to the wireless device.

Claims

1. An apparatus for validating a credit card over a wireless data network, the apparatus comprising:

a wireless communication gateway in communication with a wireless data network, the gateway configured for processing credit card validation data received from an external network and for sending a credit card validation reply message to a wireless device in communication with the wireless data network in response to receiving a credit card validation request message from the wireless device, the request message including credit card information for identifying a credit card to be validated;

wherein the gateway comprises a database for storing the credit card validation reply message; and

wherein the database has a directory structure for associating the wireless device with the credit card validation reply message.

2. The apparatus of claim 1, wherein the gateway transmits the credit card validation request message over the external network to a credit card validation service provider for processing the credit card information.

3. The apparatus of claim 2, wherein the external network is the Internet.

4. The apparatus of claim 1, wherein the credit card validation request message is a text message.

5. The apparatus of claim 1, wherein the credit card validation request message is sent via e-mail to a predetermined validation e-mail address.

6. The apparatus of claim 5, wherein the credit card information is provided in a subject portion of the e-mail message.

7. The apparatus of claim 1, wherein the credit card information includes a credit card number of the credit card to be validated.

8. The apparatus of claim 1, wherein the credit card information includes a credit card expiration date of the credit card to be validated.

9. The apparatus of claim 1, wherein the credit card information includes an identifier associated with the credit card to be validated.

10. The apparatus of claim 1, wherein the credit card validation reply message is a text message.

11. The apparatus of claim 1, wherein the credit card validation reply message is sent via e-mail to the wireless device.

12. The apparatus of claim 1, wherein the wireless device is a pager.

13. The apparatus of claim 1, wherein the wireless device is interfaced to a keypad.

14. The apparatus of claim 1, wherein the wireless device in interfaced to a credit card swipe reader.

15. A method of validating a credit card over a wireless data network, the method comprising:

sending a first credit card validation request message to a wireless communication gateway in communication with a wireless data network from a wireless device in communication with the wireless data network, the gateway configured for processing credit card validation data received from an external network, the first request message including credit card information for identifying a credit card to be validated;

sending a second credit card validation request message and the credit card information from the gateway over the external network in communication with the gateway to a credit card information validation service provider for processing the credit card information;

receiving by the gateway a first credit card validation reply message from the credit card validation service provider over the external network;

sending a second credit card validation reply message from the gateway to the wireless device;

storing the first credit card validation reply message in a database associated with the gateway; and

associating a second wireless device with the first credit card validation reply message in a directory structure of the database.

16. The method of claim 15, further comprising storing the second credit card validation reply message in a database associated with the gateway.

17. The method of claim 16, further comprising associating a second wireless device with the second credit card validation reply message in a directory structure of the database.

18. The method of claim 15, wherein sending the second request message from the gateway over an external network in communication with the gateway for processing the credit card information further comprises transmitting the second request message to the Internet.

19. The method of claim 15, wherein sending a first credit card validation request message further comprises sending a text message.

20. The method of claim 15, wherein sending a second credit card validation request message further comprises sending the credit card information via e-mail to a predetermined validation e-mail address.

21. The method of claim 20, wherein sending credit card information further comprises sending the credit card validation information in a subject portion of the e-mail message.

22. The method of claim 15, wherein sending credit card information further comprises sending a credit card number of the credit card to be valid.

23. The method of claim 15, wherein sending credit card information further comprises sending a credit card expiration date of the credit card to be validated.

24. The method of claim 15, wherein sending credit card information further comprises sending an identifier associated with the credit card to be validated.

25. The method of claim 15, wherein sending a first credit card validation reply message further comprises sending a text message.

26. The method of claim 15, wherein sending a second credit card validation reply message further comprises sending an e-mail message to the wireless device.

27. The method of claim 15, wherein sending a first credit card validation request message from a wireless device further comprises sending the first credit card validation request message from a pager.

28. The method of claim 15, wherein sending a second credit card validation reply message to a wireless device further comprises sending the second credit card validation reply message to a pager.

29. The method of claim 15, wherein sending a first credit card validation request message further comprises sending a first credit card validation message that is independent of a credit card service provider validation process.

30. The method of claim 29, wherein software applications for processing credit card information for identifying a credit card to be validated operate independently of the credit card service provider validation process.

31. A method for validating a credit card over a wireless data network, the method comprising:

processing credit card information associated with a credit card to be validated at a wireless communication gateway in communication with a wireless data network, the gateway configured for processing credit card validation data received from an external network, the gateway sending a credit card validation reply message to a wireless device in communication with the wireless network in response to receiving a credit card validation request message from the wireless device, the request message including the credit card information for identifying the credit card to be validated;

wherein, the credit card information is processed at the gateway by a software application developed independently of external credit card validation processes provided remotely from the gateway; and

storing the credit card validation reply message in a database associated with the gateway;

wherein storing further comprises storing the credit card validation reply message in a database that includes a directory structure for associating the wireless device with the credit card validation reply message.

32. The method of claim 31, further comprising transmitting the credit card validation request message from the gateway over the external network to the credit card validation service provider for processing the credit card information.

33. The method of claim 32, wherein transmitting the credit card validation request message further comprises transmitting over the Internet.

34. The method of claim 31, wherein processing the credit card validation request message further comprises processing a text message.

35. The method of claim 31, further comprising sending the credit card validation request message via e-mail to a predetermined validation e-mail address.

36. The method of claim 35, further comprising providing the credit card information in a subject portion of the e-mail message.

37. The method of claim 31, further comprising providing a credit card number of the credit card to be validated in the credit card information.

38. The method of claim 31, further comprising providing a credit card expiration date of the credit card to be validated in the credit card information.

39. The method of claim 31, further comprising providing an identifier associated with the credit card to be validated in the credit card information.

40. The method of claim 31, wherein processing the credit card validation reply message further comprises processing a text message.

41. The method of claim 31, further comprising sending the credit card validation reply message via e-mail to the wireless device.

42. The method of claim 31, further comprising receiving the credit card information by the gateway from a pager.

43. A method of validating a credit card over a wireless data network, the method comprising:

sending a first credit card validation request message to a wireless communication gateway in communication with a wireless data network from a wireless device in communication with the wireless data network, the gateway configured for processing credit card validation data received from an external network, the first request message including credit card information for identifying a credit card to be validated;

sending a second credit card validation request message and the credit card information from the gateway over the external network in communication with the gateway to a credit card information validation service provider for processing the credit card information;

receiving by the gateway a first credit card validation reply message from the credit card validation service provider over the external network;

sending a second credit card validation reply message from the gateway to the wireless device; and

storing the second credit card validation reply message in a database associated with the gateway.

44. The method of claim 43, further comprising associating a second wireless device with the second credit card validation reply message in a directory structure of the database.