Mobile commerce infrastructure systems and methods
First Claim
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.
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Accused Products
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.
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Citations
28 Claims
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1. A system for supporting mobile commerce applications, the system comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method of supporting mobile commerce applications, the system comprising:
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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. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20)
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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:
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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. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28)
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Specification