Enrollment and registration of a device in a mobile commerce system

• US 10,102,518 B2
• Filed: 07/30/2007
• Issued: 10/16/2018
• 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): Kazimi, Hani M
• Application Number:
  US11/830,392
• Publication Number:
  US 20080207203A1
• Time in Patent Office: 4,096 Days
• Field of Search: 705 41
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: H04W 4/24 Accounting or billing

Abstract

Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.

Claims

1. A method of registering a mobile device in a mobile commerce system, the method comprising:

receiving at a wireless service provider system an initiation request from a web service of a banking institution, the initiation request comprising an indication from a user that the user desires to register with the wireless service provider system;

causing a web browser of the user to be redirected from the web service of the banking institution to a web service of the wireless service provider system in response to the initiation request;

receiving at the wireless service provider system a registration request from a user of the mobile device via the web service of the wireless service provider system;

validating the mobile device to determine whether a mobile wallet can be provisioned to the mobile device, wherein the validation comprises comparing the mobile device to a list of acceptable devices;

determining with the wireless service provider system whether to allow registration of the mobile device based on the validation of the mobile device and by comparing a data service plan of the user to a list of acceptable data service plans; and

in response to determining to allow registration of the mobile device, sending the registration request from the wireless service provider system to an acquirer system;

wherein subsequent to determining to allow registration and sending the registration request to the acquirer system, providing, by the acquirer system, user data to a mobile wallet server that provisions mobile wallet data to the mobile device.

2. The method of claim 1, wherein determining whether to allow registration of the mobile device comprises determining whether the user of the mobile device is a current wireless service subscriber.

3. The method of claim 1, wherein determining whether to allow registration of the mobile device comprises determining whether the mobile device qualifies for use in the mobile commerce system.

15. The method of claim 1, wherein determining whether to allow registration of the mobile device based at least in part on whether the mobile device qualifies for use in the mobile commerce system comprises determining whether the mobile device is suitable for use with the mobile wallet application.

16. The method of claim 1, wherein determining whether to allow registration of the mobile device based at least in part on whether the mobile device qualifies for use in the mobile commerce system comprises querying the user as to what mobile device will be used.

17. The method of claim 1, wherein determining whether to allow registration of the mobile device based at least in part on whether the mobile device qualifies for use in the mobile commerce system comprises querying an indicator of the current mobile device of the user maintained at the service provider system.

18. The method of claim 1, wherein determining whether to allow registration of the mobile device based at least in part on whether the mobile device qualifies for use in the mobile commerce system comprises comparing the mobile device of the user to a list of acceptable devices.

19. The method of claim 1, wherein determining with the service provider system whether to allow registration of the mobile device based at least in part on whether a data service plan of the user of the mobile device qualifies for use in the mobile commerce system comprises querying the user as to what data service plan will be used.

20. The method of claim 1, wherein determining with the service provider system whether to allow registration of the mobile device based at least in part on whether a data service plan of the user of the mobile device qualifies for use in the mobile commerce system comprises querying an indicator of the current data service plan of the user maintained at the service provider system.

21. The method of claim 1, further comprising:

upgrading the user'"'"'s data service plan when it is determined to not otherwise allow registration based on the data service plan of the user of the mobile device not qualifying for use in the mobile commerce system.

4. A mobile commerce system comprising:

a mobile device;

a wireless service provider system, separate from a financial institution of a user, wherein the wireless service provider system;

provides a registration web service; and

receives a registration request from the user of the mobile device via the registration web service of the wireless service provider system; and

determines whether to allow registration of the mobile device based at least in part on comparing a data service plan of the user to a list of acceptable data service plans and by comparing the mobile device to a list of acceptable devices, wherein each acceptable data service plan has a minimum data transfer rate or limit; and

an acquirer system communicatively coupled with the wireless service provider system and a banking institution, wherein the wireless service provider system;

in response to the wireless service provider system receiving a registration request from the user of the mobile device, initiates a communication between the banking institution and the wireless service provider system, and through the acquirer system, through which enrollment information is exchanged by the banking institution and the wireless service provider system, wherein in response to determining to allow registration of the mobile device, the registration request is sent to the acquirer system from the wireless service provider system, and

subsequent to determining to allow registration and sending the registration request to the acquirer system, provides, by the acquirer system, user data to a mobile wallet server that provisions mobile wallet data to the mobile device.

5. The system of claim 4, wherein the service provider system receives the registration request from the user of the mobile device via a web service of the financial institution.

6. The system of claim 4, wherein the service provider system determines whether to allow registration of the mobile device by determining whether the user of the mobile device is a current wireless service subscriber.

7. The system of claim 4, wherein the acquirer system provides user information related to the mobile commerce system.

8. The system of claim 4, wherein the acquirer system maintains a set of personal information of the user.

9. The system of claim 4, wherein the acquirer system is further adapted to maintain a set of user preferences for the user.

10. The system of claim 9, wherein the user preferences include an indication of whether the user has elected to receive marketing messages.

11. The system of claim 4, wherein the acquirer system registers one or more stored value accounts of the user for use in the mobile commerce system.

12. A non-transitory machine-readable medium having stored thereon a series of instructions which, when executed by a processor, cause the processor to register a mobile device in a mobile commerce system by:

receiving at a wireless service provider system a registration request from a personal computer of a user of a website of the wireless service provider system, wherein the wireless service provider system is separate from a financial institution of the user;

sending a query to the website of the wireless service provider system, the query requesting what mobile device the user intends to use with the mobile commerce system;

receiving a response input by the user, via the personal computer, into the website of the wireless service provider system, the response indicating a mobile device that the user intends to use with the mobile commerce system;

determining with the wireless service provider system whether to allow registration of the mobile device based at least in part on;

whether the mobile device qualifies for use in the mobile commerce system, wherein a determination of whether the mobile device qualifies comprises comparing the mobile device to a list of acceptable devices; and

whether a data service plan of the user of the mobile device has a minimum data transfer rate or limit; and

in response to determining to allow registration of the mobile device, sending the registration request from the wireless service provider system to an acquirer system;

wherein subsequent to determining to allow registration and sending the registration request to the acquirer system, providing, by the acquirer system, user data to a mobile wallet server that provisions mobile wallet data to the mobile device.

13. The non-transitory machine-readable medium of claim 12, wherein receiving the registration request from the user of the mobile device comprises receiving the registration request from a mobile commerce web service of the financial institution.

14. The non-transitory machine-readable medium of claim 12, wherein determining whether to allow registration of the mobile device comprises determining whether the user of the mobile device is a current wireless service subscriber.

22. A method of registering a mobile device in a mobile commerce system, the method comprising:

receiving at a wireless service provider system a registration request from a user of the mobile device via a web service of the wireless service provider system, wherein the registration request comprises;

an identification of the current data service plan of the user; and

at least one approval request by the mobile device to be allowed to access the mobile commerce system for;

lookup of account information;

receipt of marketing messages;

payment of financial obligations; and

sending of payment to another mobile device;

determining with the wireless service provider system whether to allow registration of the mobile device by comparing the current data service plan of the user to a list of acceptable data service plans and by comparing the mobile device to a list of acceptable devices; and

in response to determining to allow registration of the mobile device, sending an approved registration record from the wireless service provider system to an acquirer system, wherein subsequent to determining to allow registration and sending the registration request to the acquirer system, providing, by the acquirer system, user data to a mobile wallet server that provisions mobile wallet data to the mobile device, and wherein the acquirer system administers the mobile commerce system and verifies future access requests from the mobile device of the user against the approved registration record.