Credit card validation for an interactive wireless network

• US 6,986,460 B2
• Filed: 06/25/2004
• Issued: 01/17/2006
• 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): Le, Thien M.
• Assistant Examiner(s): Hess, Daniel A.
• Application Number:
  US10/877,160
• Publication Number:
  US 20040232226A1
• Time in Patent Office: 571 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

A system for validating a credit card over a wireless network. The system includes a wireless communication network for receiving a request message including credit card information for identifying a credit card to be validated from a wireless device. The system also includes a gateway in communication with the wireless communication network for receiving the credit card validation request message from the wireless device and an external network in communication with the gateway for providing credit card validation data to the gateway. The gateway is configured for processing the credit card validation data for sending a credit card validation reply message to the wireless device. The gateway includes a database for storing the credit card validation reply message. The database includes a directory structure for associating the wireless device with the credit card validation reply message.

Claims

1. A system for validating a credit card over a wireless network, the system comprising:

a wireless communication network for receiving a request message including credit card information for identifying a credit card to be validated from a wireless device;

a gateway in communication with the wireless communication network, wherein the gateway is for receiving the credit card validation request message from the wireless device; and

an external network in communication with the gateway for providing credit card validation data to the gateway, wherein the gateway is configured for processing the credit card validation data for sending a credit card validation reply message to the wireless device;

wherein the gateway comprises a database for storing the credit card validation reply message, and the database has a directory structure for associating the wireless device with the credit card validation reply message.

2. The system of claim 1, further comprising a credit card validation service provider for receiving the credit card validation request message transmitted by the gateway over the external network and for processing the credit card information.

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

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

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

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

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

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

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

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

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

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

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

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