Systems, methods, and computer readable media for conducting an electronic transaction via a backend server system

• US 8,965,800 B2
• Filed: 03/11/2013
• Issued: 02/24/2015
• Est. Priority Date: 03/09/2012
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Soysa, Gamaethige Francis Robert Sulak, Khan, Mohammad, Delagrange, Mikel Robert
• Primary Examiner(s): Glass, Shay S
• Application Number:
  US13/793,813
• Publication Number:
  US 20130238456A1
• Time in Patent Office: 715 Days
• Field of Search: 705/30
• US Class Current: 705/30
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: H04L 61/00 Network arrangements, protocols or services for addressing or naming
• CPC Class Codes: H04L 63/00 Network architectures or network communication protocols for network security cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00; network architectures or network communication protocols for wireless network security H04W12/00; security arrangements for protecting computers or computer systems against unauthorised activity G06F21/00

Abstract

A method for conducting an electronic transaction with a backend server system includes interfacing a mobile device with a touch point to wirelessly obtain a backend server system address and an identification code. The touch point is associated with an electronic transaction terminal device to be utilized by a user of the mobile device to conduct an electronic transaction. Communication is established between the mobile device and the backend server system. The identification code and a mobile device identifier associated with the mobile device are received. It is determined whether one or more electronic certificates associated with the mobile device identifier are applicable for use in the electronic transaction. The identification code is used to provide at least one of the applicable electronic certificates to the terminal device and applying the at least one applicable electronic certificate to the electronic transaction.

Claims

1. A method for conducting an electronic transaction via a backend server system, the method comprising:

interfacing a mobile device with a touch point to wirelessly obtain a backend server system address and an identification code, wherein the touch point is associated with an electronic transaction terminal device to be utilized by a user of the mobile device to conduct an electronic transaction and the identification code is associated with the electronic transaction terminal device or the touch point, wherein the electronic transaction terminal device is located at a point of sale;

establishing communication between the mobile device and the backend server system using the backend server system address;

receiving, at the backend server system from the mobile device, the identification code and a mobile device identifier associated with the mobile device;

determining, by the backend server system, whether one or more electronic certificates associated with the mobile device identifier are applicable for use in the electronic transaction;

using, by the backend server system, the identification code to provide at least one of the applicable electronic certificates to the electronic transaction terminal device; and

applying, by the electronic transaction terminal device, the at least one applicable electronic certificate to the electronic transaction, wherein the electronic transaction includes a payment transaction for a product that is presented for purchase at a cash register located at the point of sale.

2. The method of claim 1 comprising, at the backend server system, identifying a mobile device application associated with the touch point, determining a transaction type associated with the electronic transaction, determining the location of the terminal device, and authenticating the mobile device.

3. The method of claim 2 wherein the mobile device application includes at least one of:

a retail point of sale (POS) application, a healthcare service point application, a transportation service point application, a government service point application, an enterprise service point application, a support service point application, a kiosk service point application, an access control service point application, a banking application, an automatic teller machine (ATM) application, a boarding pass application, and an entertainment service point application.

4. The method of claim 1 wherein the identification code includes an electronic transaction terminal device identifier or a touch point identifier that is mapped to at least one of:

an electronic transaction terminal device identifier, a mobile device application identifier, a banking terminal device identifier, an automatic teller machine (ATM) terminal device identifier, and a backend server identifier stored in the backend server system.

5. The method of claim 1 wherein the electronic transaction terminal includes at least one of:

a point of sale (POS) terminal, a healthcare point of service terminal, a transportation point of service terminal, a government point of service terminal, an enterprise point of service terminal, a support point of service terminal, a kiosk point of service terminal, an access control point of service terminal, a banking point of service terminal, an automatic teller machine (ATM) point of service terminal, and an entertainment system point of service terminal, wherein the electronic transaction terminal is physically located near to the mobile device user at the time of the electronic transaction.

6. The method of claim 1 wherein the electronic transaction includes at least one of:

a payment transaction, a loyalty transaction, a coupon redemption transaction, an offer redemption transaction, a digital receipt pickup transaction, an electronic coupon pickup transaction, an electronic coupon pickup transaction, a reward pickup transaction, a one-touch checkout transaction, an order transaction, and a non-payment transaction, a combination of payment and non-payment transaction, an electronic certificate delivery transaction, a printing advice transaction, an access control transaction, a boarding pass transaction, and an electronic certificate redemption transaction.

7. The method of claim 1 wherein the backend server system includes one or more of:

a trigger management server (TMS), a content management server (CMS), a content provider server, an electronic certificate repository, and an over the air (OTA) provisioning server.

8. The method of claim 1 wherein the mobile device comprises a near field communications (NFC) enabled mobile device.

9. The method of claim 1 wherein the electronic transaction includes at least one of:

a payment transaction, a loyalty transaction, a coupon redemption transaction, an offer redemption transaction, a digital receipt pickup transaction, an electronic coupon pickup transaction, an electronic coupon pickup transaction, a reward pickup transaction, a one-touch checkout transaction, an order transaction, and a non-payment transaction.

10. The method of claim 1 wherein the one or more electronic certificates includes one or more electronic coupons, electronic loyalty cards, electronic offers, electronic payment cards, electronic event or ride tickets, electronic rewards, a digital receipt, a payment identifier, a boarding pass, an electronic check-in identifier, an electronic hotel key, a membership key, an electronic gift card, an electronic prepaid card, and an electronic business card.

11. The method of claim 1 wherein interfacing a mobile device includes tapping a near field communications (NFC) enabled mobile device to an NFC tag.

12. The method of claim 11 comprising conducting authentication between an NFC application on the NFC enabled mobile device and the NFC tag.

13. The method of claim 12 comprising conducting authentication between a mobile device application on the mobile device and the QRcode or barcode.

14. The method of claim 1 wherein interfacing a mobile device includes utilizing a camera of the mobile device to scan a QRcode or bar code.

15. The method of claim 1 further comprising sending a message, to the mobile device or an email address associated with the user of the mobile device, which includes at least one of:

a payment confirmation message, a transaction completion message, a digital receipt, a thank-you message, and an updated loyalty point total.

16. The method of claim 1 wherein at least one electronic certificate is sent to both the user associated with the mobile device and an account associated with the user that is hosted in the backend server system.

17. The method of claim 1 wherein the backend server system address includes a uniform resource locator (URL) address.

18. The method of claim 1 wherein the backend server system is configured to receive an email address from the mobile device and to provide the email address to the electronic transaction terminal device, wherein the electronic device uses the email address to send a digital receipt associated with the electronic transaction upon completion of the electronic transaction.

19. The method of claim 1 wherein interfacing the mobile device includes utilizing WiFi, Bluetooth, global positioning system (GPS), cellular triangulation, or WiFi triangulation to indicate a physical presence of the mobile device to a point of sale location or device.

20. A system for conducting electronic transactions, the system comprising:

an electronic transaction terminal device located at a point of sale and configured to apply at least one applicable electronic certificate to an electronic transaction, wherein the electronic transaction includes a payment transaction for a product that is presented for purchase at a cash register located at the point of sale;

a touch point configured to provide a backend server system address and an identification code to an interfacing mobile device, wherein the touch point is associated with the electronic transaction terminal device to be utilized by a user of the mobile device to conduct the electronic transaction and the identification code is associated with either the electronic transaction terminal device or the touch point; and

a backend server system configured to receive, from the mobile device using the backend server system address, a mobile device identifier associated with mobile device and the identification code, to determine whether one or more electronic certificates associated with the mobile device identifier are applicable for use in the electronic transaction, and to use the identification code to provide at least one of the applicable electronic certificates to the electronic transaction terminal device.

21. The system of claim 20 wherein the backend server system is further configured to identify a mobile device application associated with the touch point, determine a transaction type associated with the electronic transaction, determine the location of the electronic transaction terminal device, and authenticate the mobile device.

22. The system of claim 21 wherein the mobile device application includes at least one of:

a retail point of sale (POS) application, a healthcare service point application, a transportation service point application, a government service point application, an enterprise service point application, a support service point application, a kiosk service point application, an access control service point application, a banking application, an automatic teller machine (ATM) application, a boarding pass application, and an entertainment service point application.

23. The system of claim 20 wherein the identification code includes an electronic transaction terminal device identifier or a touch point identifier that is mapped to at least one of:

an electronic transaction terminal device identifier, mobile device application identifier, a banking terminal device identifier, an automatic teller machine (ATM) terminal device identifier, and a backend server identifier stored in the backend server system.

24. The system of claim 20 wherein the electronic transaction terminal includes at least one of:

a point of sale (POS) terminal, a healthcare point of service terminal, a transportation point of service terminal, a government point of service terminal, an enterprise point of service terminal, a support point of service terminal, a kiosk point of service terminal, an access control point of service terminal, a banking point of service terminal, an automatic teller machine (ATM) point of service terminal, and an entertainment system point of service terminal, wherein the electronic transaction terminal is physically located near to the mobile device user at the time of the electronic transaction.

25. The system of claim 20 wherein the electronic transaction includes at least one of:

a payment transaction, a loyalty transaction, a coupon redemption transaction, an offer redemption transaction, a digital receipt pickup transaction, an electronic coupon pickup transaction, an electronic coupon pickup transaction, a reward pickup transaction, a one-touch checkout transaction, an order transaction, and a non-payment transaction, a combination of payment and non-payment transaction, an electronic certificate delivery transaction, a printing advice transaction, an access control transaction, a boarding pass transaction, and an electronic certificate redemption transaction.

26. The system of claim 20 wherein the backend server system includes one or more of:

a trigger management server (TMS), a content management server (CMS), a content provider server, an electronic certificate repository, and an over the air (OTA) provisioning server.

27. The system of claim 20 wherein the mobile device comprises a near field communications (NFC) enabled mobile device.

28. The system of claim 20 wherein the electronic transaction includes at least one of:

a payment transaction, a loyalty transaction, a coupon redemption transaction, an offer redemption transaction, a digital receipt pickup transaction, an electronic coupon pickup transaction, an electronic coupon pickup transaction, a reward pickup transaction, a one-touch checkout transaction, an order transaction, and a non-payment transaction.

29. The system of claim 20 wherein the one or more electronic certificates includes one or more electronic coupons, electronic loyalty cards, electronic offers, electronic payment cards, electronic event or ride tickets, electronic rewards, a digital receipt, a payment identifier, a boarding pass, an electronic check-in identifier, an electronic hotel key, a membership key, an electronic gift card, an electronic prepaid card, and an electronic business card.

30. The system of claim 20 wherein the backend server system address and the identification code is provided to the mobile device in response to tapping the mobile device to an NFC tag.

31. The system of claim 20 further wherein the electronic transaction terminal device is further configured to send a message, to the mobile device or an email address associated with the user of the mobile device, which includes at least one of:

a payment confirmation message, a transaction completion message, a digital receipt, a thank-you message, and an updated loyalty point total.

32. The system of claim 20 wherein the electronic transaction terminal device is further configured to send at least one electronic certificate to both the user associated with the mobile device and an account associated with the user that is hosted in the backend server system.

33. The system of claim 20 wherein the backend server system address includes a uniform resource locator (URL) address.

34. The system of claim 20 wherein the backend server system is configured to receive an email address from the mobile device and to provide the email address to the electronic transaction terminal device, wherein the electronic device uses the email address to send a digital receipt associated with the electronic transaction upon completion of the electronic transaction.

35. A non-transitory computer readable medium comprising computer executable instructions embodied in a computer readable medium that when executed by a processor of a computer control the computer to perform steps comprising:

interfacing a mobile device with a touch point to wirelessly obtain a backend server system address and an identification code, wherein the touch point is associated with an electronic transaction terminal device to be utilized by a user of the mobile device to conduct an electronic transaction and the identification code is associated with the electronic transaction terminal device or the touch point, wherein the electronic transaction terminal device is located at a point of sale;

establishing communications between the mobile device and the backend server system using the backend server system address;

receiving, ty the backend server system from the mobile device, a mobile device identifier associated with the mobile device and the identification code;

determining, ty the backend server system, whether one or more electronic certificates associated with the mobile device identifier are applicable for use in the electronic transaction;

using the identification code to provide at least one of the applicable electronic certificates to the electronic transaction terminal device; and

applying, by the electronic transaction terminal device, the at least one applicable electronic certificate to the electronic transaction, wherein the electronic transaction includes a payment transaction for a product that is presented for purchase at a cash register located at the point of sale.