Mobile commerce infrastructure systems and methods

• US 8,548,908 B2
• Filed: 04/09/2008
• Issued: 10/01/2013
• Est. Priority Date: 04/11/2007
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Friedman, Brian
• Primary Examiner(s): Shaikh, Mohammad Z
• Application Number:
  US12/100,082
• Publication Number:
  US 20080255947A1
• Time in Patent Office: 2,001 Days
• Field of Search: 705 35- 45
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3263 characterised by activation or deactivation of payment capabilities
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04L 69/18 Multiprotocol handlers, e.g. single devices capable of handling multiple protocols

Abstract

Methods, systems, and machine readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a system for supporting mobile commerce applications can include a management and control layer. The management and control layer can be adapted to control communications to and from mobile wallet applications. The system can also have a gateway services layer communicatively coupled with the management and control layer and a plurality of content provider systems communicatively coupled with the gateway services layer. The content provider systems can be adapted to provide financial transaction content or services related to the mobile commerce functions of the mobile wallet applications via the management and control layer and gateway services layer.

Claims

1. A system for supporting mobile commerce applications, the system comprising:

a management and control layer communicatively coupled with a plurality of wireless communications networks and adapted to control communications to and from a plurality of mobile wallet applications executed by a plurality of mobile devices in communication with the plurality of wireless communications networks, wherein the management and control layer is configured to control communications to and from the mobile wallet applications related to payment functions of the mobile wallet applications, and wherein being configured to control communications to and from the mobile wallet applications comprises the management and control layer being configured to;

receive transaction data from the first mobile device, wherein the transaction data comprises an account proxy, a merchant identifier, a transaction amount, and a transaction category code;

determine, based at least on the merchant identifier, whether a gift card account number associated with the account proxy is an accepted form of payment for a merchant associated with the merchant identifier; and

determining if the transaction amount exceeds a previously established amount;

replace the account proxy in the transaction data with a primary account number selected from a plurality of account numbers based on the merchant associated with the merchant identifier and a pre-defined rule established by a consumer associated with the first mobile device, wherein the pre-defined rule;

selects as the determined account number a gift card account number associated the gift card based at least on a determination that the merchant accepts the gift card;

selects as the determined account number a debit card account number based at least on;

a determination that the merchant does not accept the gift card; and

a determination that transaction amount does not exceed the previously established amount; and

a determination that a cumulative monthly spending cap has not been exceeded;

selects as the determined account number a first credit account number based at least on;

a determination that the merchant does not accept the gift card;

a determination that the transaction amount does exceed the previously established amount and/or the cumulative monthly spending cap has been exceeded; and

a determination that the transaction category code is one of a previously determined plurality of category codes;

selects as the determined account number a second credit card account number based on;

a determination that the merchant does not accept the gift card;

a determination that the transaction amount does exceed the previously established amount and/or that the cumulative monthly spending cap has been exceeded; and

a determination that the transaction category code is not one of a previously determined plurality of category codes;

select from a plurality of content provider systems a content provider system associated with the selected account number; and

forward the transaction data, which includes the determined account number and the total amount of the transaction, along with an indication of the selected content provider system to a gateway services layer of the acquirer system.

2. The system of claim 1, wherein the plurality of wireless communications networks comprises a plurality of cellular networks.

3. The system of claim 1, wherein the plurality of wireless communications networks comprises at least a first network operated by a first carrier and a second network operated by a second carrier.

4. The system of claim 1, wherein the plurality of content provider systems comprises one or more host systems of one or more financial institutions.

5. The system of claim 1, wherein the plurality of content provider systems comprises one or more payment networks.

6. The system of claim 1, wherein the plurality of content provider systems comprises one or more host systems providing marketing content.

7. The system of claim 1, wherein the management and control layer is adapted to control communications to and from the mobile wallet applications related to banking functions of the mobile wallet applications.

8. The system of claim 1, wherein the management and control layer is adapted to control communications to and from the mobile wallet applications related to marketing functions of the mobile wallet applications.

9. The system of claim 1, wherein the gateway services layer is further adapted to provide Over-The-Air (OTA) services between the management and control layer and the plurality of content provider systems.

10. The system of claim 7, wherein the gateway services layer is further adapted to provide hosted banking services for one or more of the content provider systems.

11. The system of claim 8, wherein the gateway services layer is adapted to provide offer management services for managing information related to marketing functions of the mobile wallet applications.

12. The system of claim 1, wherein the gateway services layer is adapted to provide content management services for managing information related to content discovery functions of the mobile wallet applications.

13. A method of supporting mobile commerce applications, the system comprising:

receiving at a management and control layer of an acquirer system a message from a mobile wallet application, the message including an account proxy, a total amount of a transaction, a merchant identifier associated with a merchant, and a transaction category code;

determining an account number with the mobile wallet application based on the merchant associated with the merchant identifier and a consumer-defined rule by;

determining if the merchant accepts a gift card associated with the mobile wallet application;

determining if the total amount of the transaction exceeds a previously established amount;

selecting as the determined account number a gift card account number associated with the gift card based at least on a determination that the merchant accepts the gift card;

selecting as the determined account number a debit card account number based at least on;

a determination that the merchant does not accept the gift card; and

a determination that the transaction amount does not exceed the previously established account; and

a determination that a cumulative monthly spending cap has not been exceeded;

selecting as the determined account number a first credit account number based at least on;

a determination that the merchant does not accept the gift card;

a determination that the transaction amount does exceed the previously established amount and/or that the cumulative monthly spending cap has been exceeded; and

a determination that the transaction category code is one of a previously determined plurality of category codes; and

selecting as the determined account number a second credit account number based at least on;

a determination that the merchant does not accept the gift card;

a determination that the transaction amount does exceed the previously established amount and/or that the cumulative monthly spending cap has been exceeded; and

a determination that the transaction category code is not one of a previously determined plurality of category codes;

replacing the account proxy in the message with the determined account number;

selecting from a plurality of content provider systems at least one content provider system associated with the determined account number; and

forwarding the message, which includes the determined account number and the total amount of the transaction, along with and an indication of the selected content provider system to a gateway services layer of the acquirer system for later at least attempted withdrawal of funds by the selected content provider system.

14. The method of claim 13, further comprising:

receiving at the gateway services layer of the acquirer system the messages and the indication of the selected content provider system from the management and control layer;

reading information related to the selected content provider system;

generating a message specific to a host of the selected content provider system based on the received message and the information related to the selected content provider system; and

sending the generated message to the host of the selected content provider system.

15. The method of claim 14, wherein the plurality of content provider systems comprises one or more host systems of one or more financial institutions.

16. The method of claim 14, wherein the plurality of content provider systems comprises one or more payment networks.

17. The method of claim 14, wherein the plurality of content provider systems comprises one or more host systems providing marketing content.

18. The method of claim 14, wherein the message from the mobile wallet application comprises a message related to banking functions of the mobile wallet applications.

19. The method of claim 14, wherein the message from the mobile wallet application comprises a message related to payment functions of the mobile wallet applications.

20. The method of claim 14, wherein the message from the mobile wallet application comprises a message related to marketing functions of the mobile wallet applications.

21. A non-transitory machine-readable medium having stored thereon a series of instruction which, when executed by a processor, cause the processor to support mobile commerce applications by:

receiving at a management and control layer of an acquirer system a message from a mobile wallet application;

determining a merchant identified in the message;

determining a transaction amount identified in the message;

determining a transaction category code based on the message;

determining if the merchant accepts a gift card associated with the mobile wallet application;

determining if the transaction amount exceeds a previously established amount;

determining an account number associated with the mobile wallet application based on the merchant identified in the received message, wherein determining the account number comprises;

selecting as the determined account number a gift card account number associated with the gift card based at least on a determination that the merchant accepts the gift card;

selecting as the determined account number a debit card account number based at least on;

a determination that the merchant does not accept the gift card; and

a determination that the transaction amount does not exceed the previously established amount; and

a determination that a cumulative monthly spending cap has not been exceeded;

selecting as the determined account number a first credit account number based at least on;

a determination that the merchant does not accept the gift card;

a determination that the transaction amount does exceed the previously established amount and/or that the cumulative monthly spending cap has been exceeded; and

a determination that the transaction category, code is one of a previously determined plurality of category codes; and

selecting as the determined account number a second credit account number based at least on;

a determination that the merchant does not accept the gift card;

a determination that the transaction amount does exceed the previously established amount and/or that the cumulative monthly spending cap has been exceeded; and

a determination that the transaction category, code is not one of a previously determined plurality of category, codes;

selecting from a plurality of content provider systems a content provider system associated with the determined account number; and

forwarding the message, which includes the determined account number and the total amount of the transaction, along with and an indication of the selected content provider system to a gateway services layer of the acquirer system.

22. The non-transitory machine-readable medium of claim 21, further comprising:

receiving at the gateway services layer of the acquirer system the message and the indication of the selected content provider system from the management and control layer;

reading information related to the selected content provider system;

generating a message specific to a host of the selected content provider system based on the received message and the information related to the selected content provider system; and

sending the generated message to the host of the selected content provider system.

23. The non-transitory machine-readable medium of claim 22, wherein the plurality of content provider systems comprises one or more host systems of one or more financial institutions.

24. The non-transitory machine-readable medium of claim 22, wherein the plurality of content provider systems comprises one or more payment networks.

25. The non-transitory machine-readable medium of claim 22, wherein the plurality of content provider systems comprises one or more host systems providing marketing content.

26. The non-transitory machine-readable medium of claim 22, wherein the message from the mobile wallet application comprises a message related to banking functions of the mobile wallet applications.

27. The non-transitory machine-readable medium of claim 22, wherein the message from the mobile wallet application comprises a message related to payment functions of the mobile wallet applications.

28. The non-transitory machine-readable medium of claim 22, wherein the message from the mobile wallet application comprises a message related to marketing functions of the mobile wallet applications.