Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service

• US RE44,513 E1
• Filed: 11/06/2009
• Issued: 10/01/2013
• Est. Priority Date: 10/06/2000
• Status: Expired due to Term

• Current Assignee: Unwired Planet LLC (JP Morgan Chase & Co)
• Original Assignee: Great Elm Capital Corp. (f/k/a Unwired Planet, Inc.) (JP Morgan Chase & Co)
• Inventors: Nobrega, Ryan J., Valloppillil, Vinod V.
• Primary Examiner(s): Patel, Jagdish
• Application Number:
  US12/614,264
• Time in Patent Office: 1,425 Days
• Field of Search: 705/39, 705/40, 705/44
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/0453 the ticket being an electronic receipt
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• 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 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

A wireless telecommunications carrier operates a commerce platform in a trusted domain, which may store sensitive information associated with a consumer. During a credit card based transaction, a merchant'"'"'s POS terminal sends transaction information to an acquirer. The acquirer recognizes the transaction type and responds by routing the transaction information to the commerce platform. The commerce platform validates the transaction by verifying the identity of the user. When the transaction is validated, the commerce platform notifies the acquirer, which initiates a clearing process. When the transaction clears, the acquirer notifies the commerce platform and signals the merchant'"'"'s POS terminal to output a paper receipt. The commerce platform stores a digital receipt of the transaction and signals the wireless device to output a confirmation message to the consumer. The consumer'"'"'s credit card number and other sensitive information may be restricted to the trusted domain, which excludes the merchant.A computer system at a commerce platform receives first data packets containing transaction information that includes consumer telephone numbers from a plurality of merchants. The computer system then transmits, over a packet-based wireless network and to a carrier provider gateway, second data packets destined for wireless devices indicated by the consumer telephone numbers, the second data packets containing information for prompting consumers to confirm transaction details corresponding to the received transaction information. The computer system then receives, over the packet-based wireless network, third data packets origination from the wireless devices, the third data packets containing a confirmation of the transaction details responsive to the prompting. In response to the confirmation, the computer system accesses consumer profile data to obtain consumer account information and then transmits the obtained consumer account information and the confirmed transaction details to a clearing network, using packet-based data, to complete the financial transactions.

Claims

1. A method of facilitating a credit card transaction between a consumer using a wireless communication device and a provider of a product or service, the method comprising:

in a commerce platform implemented as one or more computer systems operated by a single business entity,

storing personal information of the consumer, including a credit card number of a credit card issued to the consumer;

receiving information for requesting the transaction from a remote entity;

sending information on the transaction to the wireless communication device;

receiving a signal from the wireless communication device indicating acceptance of the transaction;

receiving a personal identification code from the wireless communication device;

using the received personal identification code and the stored personal information on the consumer to verify the identity of the consumer;

verifying that the wireless communication device is in the same geographic area as the provider;

in response to verifying the identity of the consumer and verifying that the wireless communication device is in geographic proximity to the provider, sending to a remote entity other than said single business entity a transaction request including information on the transaction and the credit card number, for initiation of a transaction approval process.

2. A method as recited in claim 1, wherein said storing personal information of the consumer comprises storing personal information of the consumer in a database within a trusted domain, the trusted domain excluding the consumer and the provider.

3. A method as recited in claim 2, wherein the stored personal information of the consumer is not permitted to pass outside the trusted domain at any time during performance of said method.

4. A method as recited in claim 1, further comprising:

receiving a signal indicating the transaction has been approved; and

in response to receiving the signal indicating the transaction has been approved,

storing a digital receipt of the transaction, and

sending a signal to the wireless communication device to cause the wireless communication device to output a message confirming completion of the transaction.

5. A method as recited in claim 1, further comprising providing telecommunications services to users of a plurality of wireless communications devices on a wireless communications network, including storing user account information for each of the plurality of users, including said consumer.

6. A method as recited in claim 5, further comprising, prior to sending information on the transaction to the wireless communication device:

receiving a unique identifier of the wireless communication device from a remote entity; and

identifying the wireless communication device and an associated user account based on the unique identifier.

7. A method of facilitating a credit transaction between a consumer and a provider of a product or service, the method comprising:

receiving information associated with the credit transaction from a remote terminal operated by the provider;

determining whether the credit transaction involves use of a personal mobile telecommunication device;

should the credit transaction be determined not to involve use of a personal mobile telecommunication device, then initiating a transaction approval process by transmitting at least a portion of the received information to a clearing network for approval of the transaction;

should the credit transaction be determined to involve use of a personal mobile telecommunication device, then

transmitting the received information to a remote validation entity other than the clearing network over a secure channel, to enable validation of the credit transaction by the remote validation entity, and

upon receiving an indication that the credit transaction has been validated by the remote validation entity, initiating a credit transaction approval process by transmitting at least a portion of the information to the clearing network for approval of the credit transaction.

8. A method as recited in claim 7, wherein the information received from the remote terminal does not include a credit card number if the transaction involves use of a personal mobile telecommunication device, such that the information transmitted to the remote validation entity does not include a credit card number, and such that the remote validation entity validates the transaction without requiring the consumer or the provider to communicate a credit card number in connection with the transaction.

9. A method as recited in claim 8, wherein the information received from the remote terminal includes a credit card number if the transaction does not involve use of a personal mobile telecommunication device.

10. A method as recited in claim 7, wherein said determining whether the transaction involves use of a personal mobile telecommunication device comprises determining whether the transaction is of the predetermined type based on the information received from the remote terminal.

11. A method as recited in claim 10, wherein said determining whether the transaction involves use of a personal mobile telecommunication device comprises determining whether the received information includes a predetermined code.

12. A method as recited in claim 10, wherein the information received from the remote terminal may include a credit card number, and wherein said determining whether the transaction involves use of a personal mobile telecommunication device comprises determining whether the information received from the remote terminal includes a predetermined code in place of a credit card number.

13. A method of a telecommunications carrier facilitating a credit card transaction between a consumer using a wireless communication device and a provider of a product or service, the method comprising:

providing telecommunications services to users of a plurality of wireless communications devices on a wireless communications network, including storing user account information for each of the plurality of users, the plurality of users including said consumer;

storing personal information of the consumer in a database within a trusted domain, the trusted domain excluding the consumer and the provider, the personal information including a credit card number of a credit card issued to the consumer;

receiving information for requesting the transaction from a remote entity, the information for requesting the transaction including a unique identifier of the wireless communication device, an amount of the transaction, and a provider identifier;

storing the information for requesting the transaction;

identifying the wireless communication device and an associated user account based on the unique identifier;

verifying that the wireless communication device is in the same geographic area as the provider;

sending information on the transaction to the wireless communication device via a wireless network;

receiving a signal from the wireless communication device indicating acceptance of the transaction by the consumer;

receiving a personal identification code from the wireless communication device via the wireless communications network;

using the received personal identification code and the stored personal information on the consumer to verify the identity of the consumer, and

if the identity of the consumer is verified, sending to a remote entity a transaction request including information on the transaction and the credit card number, for initiation of a transaction approval process, wherein the credit card information of the consumer is not permitted to pass outside the trusted domain;

receiving a signal indicating the transaction has been approved; and

in response to receiving the signal indicating the transaction has been approved,

storing a digital receipt of the transaction, and

sending a signal to the wireless communication device over the wireless communication network to cause the wireless communication device to output a message confirming completion of the transaction.

14. A method as recited in claim 13, wherein the stored personal information of the consumer is not permitted to pass outside the trusted domain at any time during performance of said method.

15. A method of facilitating a credit card transaction between a consumer and a provider of a product or service, the method comprising:

providing a computer-implemented portal, through which the consumer can remotely access a commerce application;

storing personal information of the consumer in a database within a trusted domain, the trusted domain excluding the consumer and the provider, the personal information including a credit card number of a credit card issued to the consumer;

receiving, from a remote entity within the trusted domain, information for requesting the transaction, including an amount of the transaction and a provider identifier;

storing the information for requesting the transaction;

generating a session identifier corresponding to the transaction in response to receiving the information for requesting the transaction;

associating the session identifier with the stored information for requesting the transaction;

sending the session identifier to a remote entity, for subsequent communication to the consumer;

receiving a confidential personal identification code and a user-input session identifier from a wireless communication device via a wireless communications network;

using the received personal identification code, the user-input session identifier, and the stored personal information of the consumer to attempt to validate the transaction, including

using the personal identification code and the stored personal information to verify the identity of the consumer, and

using the user-input session identifier to look up the stored information for requesting the transaction and to associate the consumer with the transaction;

if the transaction is successfully validated, then sending information on the transaction to the wireless communication device over the wireless network, to cause the wireless communication device to output a prompt to accept or decline the transaction;

receiving a signal from the wireless communication device indicating acceptance of the transaction;

in response to receiving the signal indicating acceptance of the transaction, sending to the remote entity a transaction request including information on the transaction and the credit card number, for initiation of a transaction approval process by a clearing network, without sending the credit card information outside the trusted domain;

receiving a signal indicating the transaction has been approved by the clearing network; and

in response to receiving the signal indicating the transaction has been approved by the clearing network,

storing a digital receipt of the transaction in association with the identity of the consumer; and

sending a signal to the wireless communication device over the wireless communication network to cause the wireless communication device to output a message confirming completion of the transaction.

16. A method as recited in claim 15, wherein the credit card number is not permitted to pass outside the trusted domain at any time during the transaction.

17. A method as recited in claim 15, wherein said receiving information for requesting the transaction comprises receiving the information for requesting the transaction via a secure channel.

18. A method as recited in claim 15, wherein the stored digital receipt is remotely accessible to the consumer.

19. A method as recited in claim 18, wherein the stored digital receipt is remotely accessible to the consumer via said portal.

20. A processing system to facilitate credit card transaction between a plurality of consumers using wireless communication devices and a plurality of providers of products or services, the processing system comprising:

a database of personal information of the consumers, including, for each of the consumers, a credit card number of a credit card issued to said consumer;

a processor; and

a memory containing instructions for execution by the processor to control the processing system to receive information for requesting a transaction from a remote entity;

send information on the transaction to one of the wireless communication devices;

receive a signal from the wireless communication device indicating acceptance of the transaction;

receive a personal identification code from the wireless communication device;

use the received personal identification code and the stored personal information on the consumer to verify the identity of the consumer,

verifying that the wireless communication device is in the same geographic area as the provider;

in response to verifying the identity of the consumer and verifying that the wireless communication device is in geographic proximity to the provider, send to a remote entity a transaction request including information on the transaction and the credit card number, for initiation of a transaction approval process.

21. A processing system as recited in claim 20, wherein the database of personal information of the consumers is stored within a trusted domain, the trusted domain excluding the consumer and the provider.

22. A processing system as recited in claim 21, wherein the stored personal information of the consumer is not permitted to pass outside the trusted domain at any time during performance of said method.

23. A processing system as recited in claim 20, wherein the processing system is operated by a telecommunications carrier providing wireless communications services to the plurality of consumers.

24. A processing system as recited in claim 20, wherein the processing system is further configured to provide a computer-implemented portal, through which the consumer can remotely access a commerce application using the wireless communications device.

25. A processing system as recited in claim 20, wherein the processing system is further configured to:

receive a signal indicating the transaction has been approved; and

in response to receiving the signal indicating the transaction has been approved,

store a digital receipt of the transaction, and

send a signal to the wireless communication device to cause the wireless communication device to output a message confirming completion of the transaction.

26. A method for implementing financial transactions, the method comprising:

receiving, from a plurality of merchants, first data packets containing transaction information that includes consumer telephone numbers at a commerce platform that comprises at least one computer system;

transmitting, over a packet-based wireless network and to a carrier provider gateway, second data packets destined for wireless devices indicated by the consumer telephone numbers from the commerce platform, the second data packets containing information for prompting consumers to confirm transaction details corresponding to the received transaction information;

receiving, over the packet-based wireless network, third data packets originating from the wireless devices at the commerce platform, the third data packets containing a confirmation of the transaction details that is responsive to the prompting;

for, and in response to, the confirmed transaction details, accessing consumer profile data to obtain consumer account information at the commerce platform; and

transmitting from the commerce platform to a clearing network, using packet-based data, the obtained consumer account information and the confirmed transaction details to complete the financial transactions.

30. The method of claim 26, wherein the first data packets are transmitted from the plurality of merchants through one or more computer systems, each computer system associated with a respective financial institution, to the commerce platform.

27. A computer system having one or more processors and memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the computer system to:

receive, from a plurality of merchants, first data packets containing transaction information that includes consumer telephone numbers at the computer system;

transmit, over a packet-based wireless network and to a carrier provider gateway, second data packets destined for wireless devices indicated by the consumer telephone numbers from the computer system, the second data packets containing information for prompting consumers to confirm transaction details corresponding to the received transaction information;

receive, over the packet-based wireless network, third data packets originating from the wireless devices at the computer system, the third data packets containing a confirmation of the transaction details that is responsive to the prompting;

for, and in response to, the confirmed transaction details, accessing consumer profile data to obtain consumer account information at the computer system; and

transmitting from the computer system to a clearing network, using packet-based data, the obtained consumer account information and the confirmed transaction details to complete the financial transactions.

31. The computer system of claim 27, wherein the first data packets are transmitted from the plurality of merchants through one or more computer systems, each computer system associated with a respective financial institution, to the computer system.

28. A method comprising:

at a computer system having one or more processors and memory;

receiving, from a plurality of merchants, transaction data for a plurality of transactions, the transaction data including consumer identification;

identifying the plurality of transactions as different transaction types based on information included in the transaction data, wherein the different transaction types include at least a credit card transaction type and a wireless carrier transaction type;

sending, using a packet-based data communication, the received transaction data for transactions identified as the wireless carrier transaction type to a wireless carrier;

receiving, using the packet-based data communication, credit card information for consumers associated with the consumer identification from the wireless carrier; and

forwarding, using packet-based data, the credit card information and the transaction data to a clearing network.

32. The method of claim 28, wherein the first data packets are transmitted from the plurality of merchants through one or more computer systems, each computer system associated with a respective financial institution, to the computer system.

29. A computer system having one or more processors and memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the computer system to:

receive, from a plurality of merchants, transaction data for a plurality of transactions, the transaction data including consumer identification;

identify the plurality of transactions as different transaction types based on information included in the transaction data, wherein the different transaction types include at least a credit card transaction type and a wireless carrier transaction type;

send, using a packet-based data communication, the received transaction data for transactions identified as the wireless carrier transaction type to a wireless carrier, the transaction data including consumer identification;

receive, using the packet-based data communication, credit card information for consumers associated with the consumer identification from the wireless carrier; and

forward, using packet-based data, the credit card information and the transaction data to a clearing network.

33. The computer system of claim 29, wherein the first data packets are transmitted from the plurality of merchants through one or more computer systems, each computer system associated with a respective financial institution, to the computer system.