Method and apparatus to manage mobile payment account settlement
First Claim
1. A data processing system supporting mobile payment, comprising:
- a transaction server with a data processor, including program storage storing programs including instructions executable by the data processor, and having data communication resources supporting a plurality of communication protocols;
said programs being adapted to maintain accounts of stored value in memory accessible by the data processor, and to authenticate and communicate with a mobile communication device via more than one communication protocol;
said programs including a program adapted to control particular transactions initiated by at least partly wireless communication between
1) a mobile communication device having a stored value represented by data on the mobile communication device and
2) a transaction terminal, including instructions performing;
receiving, at the transaction server, a first particular transaction of the mobile communication device, wherein the first transaction adds a first amount of money to the stored value represented by data on the mobile communication device, and wherein the first amount of money is in a first data type representing a first business issued currency honored by a first group of one or more businesses;
receiving, at the transaction server, a second particular transaction of the mobile communication device, wherein the second transaction subtracts a second amount of money from the stored value represented by data on the mobile communication device, and wherein the second amount of money is in a second data type representing a second business issued currency honored by a second group of one or more businesses, wherein the second group of one or more businesses,exchanging, at the transaction server, between (i) at least part of the money in the user account in the first business issued currency represented by the first data type on the mobile communication device and (ii) at least part of the money in the merchant account in the second business issued currency represented by the second data type on the transaction terminal.
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Accused Products
Abstract
A transaction operations server receives multiple transactions of the mobile communication device. One transaction adds a first amount of money to the stored value represented by data on the mobile communication device, and another transaction subtracts a second amount of money. The amounts of money are in different data types each representing different business issued currencies each honored by a particular group of businesses. The transaction operations server exchanges the money represented by data on the mobile communication device between the different data types. Other embodiments include a method of exchanging money as described, an a data structure supporting the exchange of money as described.
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Citations
36 Claims
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1. A data processing system supporting mobile payment, comprising:
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a transaction server with a data processor, including program storage storing programs including instructions executable by the data processor, and having data communication resources supporting a plurality of communication protocols; said programs being adapted to maintain accounts of stored value in memory accessible by the data processor, and to authenticate and communicate with a mobile communication device via more than one communication protocol; said programs including a program adapted to control particular transactions initiated by at least partly wireless communication between
1) a mobile communication device having a stored value represented by data on the mobile communication device and
2) a transaction terminal, including instructions performing;receiving, at the transaction server, a first particular transaction of the mobile communication device, wherein the first transaction adds a first amount of money to the stored value represented by data on the mobile communication device, and wherein the first amount of money is in a first data type representing a first business issued currency honored by a first group of one or more businesses; receiving, at the transaction server, a second particular transaction of the mobile communication device, wherein the second transaction subtracts a second amount of money from the stored value represented by data on the mobile communication device, and wherein the second amount of money is in a second data type representing a second business issued currency honored by a second group of one or more businesses, wherein the second group of one or more businesses, exchanging, at the transaction server, between (i) at least part of the money in the user account in the first business issued currency represented by the first data type on the mobile communication device and (ii) at least part of the money in the merchant account in the second business issued currency represented by the second data type on the transaction terminal. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method of supporting mobile payment, comprising:
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receiving, at a transaction server, a first particular transaction of a mobile communication device having a stored value represented by data on the mobile communication device, wherein the first particular transaction adds a first amount of money to the stored value represented by data on the mobile communication device, and wherein the first amount of money is in a first data type representing a first business issued currency honored by a first group of one or more businesses, wherein the transaction server performs; supporting a plurality of communication protocols; maintaining accounts of stored value in memory accessible by the transaction server; authenticating and communicating with the mobile communication device via the plurality of communication protocols; and controlling particular transactions initiated by at least partly wireless communication between a) the mobile communication device having the stored value represented by data on the mobile communication device and b) a transaction terminal; receiving, at the transaction server, a second particular transaction of the mobile communication device, wherein the second particular transaction subtracts a second amount of money from the stored value represented by data on the mobile communication device, and wherein the second amount of money is in a second data type representing a second business issued currency honored by a second group of one or more businesses; and exchanging, at the transaction server, between (i) at least part of the money in the user account in the first business issued currency represented by the first data type on the mobile communication device and (ii) at least part of the money in the merchant account in the second business issued currency represented by the second data type on the transaction terminal. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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25. A memory storing data accessed by a data processing system supporting mobile payment, comprising:
a data structure stored in said memory accessed by the data processing system of a transaction server, said data structure including; a first data type representing a first business issued currency honored by a first group of one or more businesses; and a second data type representing a second business issued currency honored by a second group of one or more businesses, wherein the first data type and the second data type support the following; a first particular transaction of a mobile communication device initiated by at least partly wireless communication between a) the mobile communication device having a stored value represented by data on the mobile communication device and b) a first transaction terminal, wherein the first transaction adds a first amount of money to a stored value represented by data on the mobile communication device, and wherein the first amount of money is in the first data type; a second particular transaction of the mobile communication device initiated by at least partly wireless communication between a) the mobile communication device having the stored value represented by data on the mobile communication device and b) a second transaction terminal, wherein the second transaction subtracts a second amount of money from the stored value represented by data on the mobile communication device, and wherein the second amount of money is in the second data type; and an exchange, at the transaction server, between (i) at least part of the money in the user account in the first business issued currency represented by the first data type on the mobile communication device and (ii) at least part of the money in the merchant account in the second business issued currency represented by the second data type on the transaction terminal. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
Specification