Mobile commerce systems and methods

• US 8,566,239 B2
• Filed: 07/30/2007
• Issued: 10/22/2013
• Est. Priority Date: 02/22/2007
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Arthur, Steven E., Toomer, Christopher L., Owen, Sarah, VanDeburg, Theodore
• Primary Examiner(s): Colbert, Ella
• Assistant Examiner(s): GREGG, MARY M
• Application Number:
  US11/830,468
• Publication Number:
  US 20080208744A1
• Time in Patent Office: 2,276 Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 10/00 Administration; Management
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: H04L 63/10 for controlling access to devices or network resources
• CPC Class Codes: H04W 12/08 Access security

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 method of providing a plurality of mobile commerce functions can comprise receiving a communication related to a function of a mobile wallet application of a mobile device. One or more of a plurality of acquirer systems for handling of the communication can be identified based on the function of the mobile wallet application to which the communication relates. The communication can be routed to the identified one or more acquirer systems for handling of the communication. In some cases, a reply to the communication can be received from at least one of the identified one or more acquirer systems and the reply can be sent to a recipient.

Claims

1. A method of providing a plurality of mobile commerce functions, the method comprising:

receiving at a first acquirer system operated by a business entity a communication related to a function of a plurality of functions of a mobile wallet application of a mobile device of a customer, wherein the communication is received from a merchant system separate from the first acquirer system, and wherein the communication comprises;

information related to a customer loyalty program; and

information related to a payment;

identifying with the first acquirer system one or more second acquirer systems of a plurality of acquirer systems operated by the business entity for handling of the communication, wherein;

each of the plurality of acquirer systems process different types of financial transactions;

the one or more second acquirer systems are identified based on the communication received from the merchant system;

a first identified one of the plurality of acquirer systems comprises a payment system; and

a second identified one of the plurality of acquirer systems comprises a customer loyalty system;

routing the communication from the first acquirer system to the first identified one of the plurality of acquirer systems for handling of the payment;

routing the communication from the first acquirer system to the second identified one of the plurality of acquirer systems for handling of the customer loyalty program;

receiving at the first acquirer system a reply to the communication from at least one of the identified one or more second acquirer systems;

generating with the first acquirer system an electronic receipt corresponding to the payment, the electronic receipt comprising transaction information;

transmitting the electronic receipt directly from the first acquirer system to a personal computer of the customer; and

wirelessly transmitting the electronic receipt from the personal computer of the customer to the mobile wallet application of the mobile device for synchronization with the mobile wallet application of the mobile device.

2. The method of claim 1, wherein receiving the communication comprises receiving the communication from a point-of-sale device.

3. The method of claim 1, wherein the function comprises a payment function.

4. The method of claim 1, wherein the function comprises an account information lookup function.

5. The method of claim 1, wherein the function comprises a registration function.

6. The method of claim 1, wherein the function comprises a marketing function.

7. The method of claim 1, wherein the function comprises a provisioning function.

8. The method of claim 1, wherein the plurality of functions of the mobile wallet application comprise a payment function, an account information lookup function, a registration function, a marketing function, and a provisioning function.

9. A machine-readable medium having stored thereon a series of instruction which, when executed by a processor, cause the processor to provide a plurality of mobile commerce functions by:

receiving at a first acquirer system of a plurality of acquirer systems operated by a business entity a communication related to a function of a plurality of functions of a mobile wallet application of a mobile device of a customer, wherein the communication is received from a merchant system separate from the first acquirer system, and wherein the communication comprises;

information related to a customer loyalty program; and

information related to a payment;

identifying with the first acquirer system one or more second acquirer systems of the plurality of acquirer systems operated by the business entity for handling of the communication, wherein;

each of the plurality of acquirer systems process different types of financial transactions;

the one or more second acquirer systems are identified based on the communication received from the merchant system;

a first identified one of the plurality of acquirer systems comprises a payment system; and

a second identified one of the plurality of acquirer systems comprises a customer loyalty system;

routing the communication from the first acquirer system to the first identified one of the plurality of acquirer systems for handling of the payment;

routing the communication from the first acquirer system to the second identified one of the plurality of acquirer systems for handling of the customer loyalty program;

receiving at the first acquirer system a reply to the communication from at least one of the identified one or more second acquirer systems;

generating with the first acquirer system an electronic receipt corresponding to the payment, the electronic receipt comprising transaction information;

transmitting the electronic receipt directly from the first acquirer system to a personal computer of the customer; and

transmitting the electronic receipt from the personal computer of the customer to the mobile wallet application of the mobile device for synchronization with the mobile wallet application of the mobile device.

10. The machine-readable medium of claim 9, wherein receiving the communication comprises receiving the communication from a point-of-sale device.