Using a mobile wallet infrastructure to support multiple mobile wallet providers

• US 10,438,196 B2
• Filed: 10/30/2015
• Issued: 10/08/2019
• Est. Priority Date: 11/21/2011
• Status: Active Grant

• Current Assignee: Fintiv, Inc.
• Original Assignee: Mozido, LLC (Fintiv, Inc.)
• Inventors: Liberty, Michael A.
• Primary Examiner(s): Danneman, Paul
• Application Number:
  US14/928,521
• Publication Number:
  US 20160055483A1
• Time in Patent Office: 1,439 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/065 using e-cash
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/3674 involving authentication

Abstract

Embodiments are directed to performing a transaction using a third party mobile wallet, performing a transaction using a third party point of sale (POS) system and to making a purchase from a third party mobile wallet provided by a third party mobile wallet provider. In one scenario, a cloud-based transaction platform is provided, which receives communication from an agent terminal over a communication channel connected to the cloud-based transaction platform. The agent communication indicates that a customer desires to perform a mobile wallet transaction using their third party mobile wallet. The cloud-based transaction platform sends the agent communication to a third party mobile wallet platform, receives communication from the third party mobile wallet platform confirming processing of the transaction, and sends communication to the agent terminal over a communication channel connected to the cloud-based transaction platform, where the communication indicates confirmation of the processing of the transaction.

Claims

1. A computing system for facilitating management of a mobile wallet, comprising:

one or more processors;

system memory;

an integration tier configured to manage mobile wallet sessions with a mobile device and including web services communication mechanisms for interfacing with a mobile wallet application and a plurality of different device types over a plurality of different communication channels, the integration tier being configured to receive binary and text messages from a mobile device;

a notification services engine configured to interface with the integration tier and to send a plurality of corresponding different types of messages over the different communication channels to different devices, including a customer'"'"'s mobile device, to interface with a mobile wallet application installed on the customer'"'"'s mobile device;

service connectors that are each configured to connect the computing system to a different third party system;

a payment handler that exposes a common API for interacting with different payment processors;

a security services engine that performs subscriber authentication utilizing a database-based Access Control List (ACL);

a rules engine configured to enforce constraints on financial transactions performed with the mobile wallet application, the mobile wallet application being associated with a mobile wallet account; and

one or more computer-readable storage media having stored thereon computer-executable instructions which are executable by the one or more processors, to facilitate a transaction for a customer using the mobile wallet by causing the computing system to perform at least the following;

receive communication from the customer over one of the plurality of channels connected to the computing system, the customer communication indicating that the customer desires to purchase an item at an agent terminal for a specified amount of funds using a specified payment method from a mobile wallet;

return a secure, perishable purchase code to the customer over at least one of the plurality of channels connected to the computing system;

receive communication from the agent terminal over at least one of the plurality of channels connected to the computing system, the agent terminal communication indicating that the purchase code has been presented to an agent;

debit the mobile wallet by the specified amount of funds;

credit an agent account by the specified amount of funds; and

after selecting a particular channel included in the plurality of channels, send a notification communication from the computing system to the agent terminal using the particular channel, which is connected to the computing system, the notification communication providing a notification indicating confirmation of the processing of the transaction.

2. The computing system of claim 1, wherein the computing system notifies the customer of confirmation of the processing of the transaction using the mobile wallet over at least one of the plurality of communication channels connected to the computing system.

3. The computing system of claim 1, wherein the mobile wallet is a native mobile wallet.

4. The computing system of claim 1, wherein the mobile wallet is a third party mobile wallet.

5. The computing system of claim 4, wherein the third party mobile wallet is provided by a third party mobile wallet provider.

6. The computing system of claim 5, wherein each third party mobile wallet provider has their own point of sale (POS) processing system.

7. The computing system of claim 1, wherein the customer communication is initiated by the customer through the mobile wallet application installed on a device of the customer.

8. A computer-implemented method of facilitating management of a mobile wallet, the computer-implemented method being performed by one or more hardware processors executing computer executable instructions for the computer-implemented method, and the computer-implemented method comprising:

a computer system receiving communication from a customer over one of a plurality of channels connected to the computer system, the customer communication indicating that the customer desires to purchase an item at an agent terminal for a specified amount of funds using a specified payment method from a mobile wallet;

returning a secure, perishable purchase code to the customer over at least one of the plurality of channels connected to the computer system;

receiving communication from the agent terminal over at least one of the plurality of channels connected to the computer system, the agent terminal communication indicating that the purchase code has been presented to an agent;

debiting the mobile wallet by the specified amount of funds;

crediting an agent account by the specified amount of funds; and

after selecting a particular channel included in the plurality of channels, sending a notification communication from the computer system to the agent terminal using the particular channel, which is connected to the computer system, the notification communication providing a notification indicating confirmation of the processing of the transaction, wherein the computer system includes at least the following;

one or more processors;

system memory;

an integration tier configured to manage mobile wallet sessions with a mobile device on which a mobile wallet application is installed and including web services communication mechanisms for interfacing with the mobile wallet application and a plurality of different device types over the plurality of different communication channels, the integration tier being configured to receive binary and text messages from the mobile device;

a notification services engine configured to interface with the integration tier and to send a plurality of corresponding different types of messages over the different communication channels to different devices, including the mobile device, to interface with the mobile wallet application installed on the mobile device;

service connectors that are each configured to connect the computer system to a different third party system, each of the service connectors being configured as a separate module for integrating a corresponding external service to the computer system;

a payment handler that exposes a common API for interacting with different payment processors;

a security services engine that performs subscriber authentication utilizing a database-based Access Control List (ACL); and

a rules engine configured to enforce constraints on financial transactions performed with the mobile wallet application.

9. The method of claim 8, further comprising notifying the customer of confirmation of the processing of the transaction using the mobile wallet over at least one of the plurality of communication channels connected to the computer system.

10. The method of claim 8, wherein the mobile wallet is a native mobile wallet.

11. The method of claim 8, wherein the mobile wallet is a third party mobile wallet.

12. The method of claim 11, wherein the third party mobile wallet is provided by a third party mobile wallet provider.

13. The method of claim 12, wherein each third party mobile wallet provider has their own point of sale (POS) processing system.

14. The method of claim 13, wherein the third party mobile wallet providers'"'"' POS processing systems communicate with each other using the computer system to process the transaction.

15. The method of claim 8, wherein the customer communication is initiated by the customer through the mobile wallet application installed on a device of the customer.

16. A computer program product comprising one or more hardware storage devices having stored thereon computer-executable instructions that are executable by one or more processors of a computer system and that configure the computer system to facilitate management of a mobile wallet, including computer-executable instructions that configure the computer system to perform at least the following:

receive communication from a customer over one of a plurality of communication channels connected to the computing system, the customer communication indicating that the customer desires to purchase an item at an agent terminal for a specified amount of funds using a specified payment method from a mobile wallet;

return a secure, perishable purchase code to the customer over at least one of the plurality of channels connected to the computing system;

receive communication from the agent terminal over at least one of the plurality of channels connected to the computing system, the agent terminal communication indicating that the purchase code has been presented to an agent;

debit the mobile wallet by the specified amount of funds;

credit an agent account by the specified amount of funds; and

after selecting a particular channel included in the plurality of channels, send a notification communication from the computer system to the agent terminal using the particular channel, which is connected to the computer system, the notification communication providing a notification indicating confirmation of the processing of the transaction, wherein the computer system includes at least the following;

one or more processors;

system memory;

an integration tier configured to manage mobile wallet sessions with a mobile device on which a mobile wallet application is installed and including web services communication mechanisms for interfacing with the mobile wallet application and a plurality of different device types over the plurality of different communication channels, the integration tier being configured to receive binary and text messages from the mobile device;

a notification services engine configured to interface with the integration tier and to send a plurality of corresponding different types of messages over the different communication channels to different devices, including the mobile device, to interface with the mobile wallet application;

service connectors that are each configured to connect the computer system to a different third party system, each of the service connectors being configured as a separate module for integrating a corresponding external service to the computer system;

a payment handler that exposes a common API for interacting with different payment processors;

a security services engine that performs subscriber authentication utilizing a database-based Access Control List (ACL); and

a rules engine configured to enforce constraints on financial transactions performed with the mobile wallet application.

17. The computer program product of claim 16, wherein the computer system notifies the customer of confirmation of the processing of the transaction using the mobile wallet over at least one of the plurality of communication channels connected to the computing system.

18. The computer program product of claim 16, wherein the mobile wallet is a native mobile wallet.

19. The computer program product of claim 16, wherein the mobile wallet is a third party mobile wallet.

20. The computer program product of claim 16, wherein the customer communication is initiated by the customer through the mobile wallet application installed on a device of the customer.

21. A computing system for facilitating management of a mobile wallet, including:

one or more processors;

system memory;

an integration tier configured to manage mobile wallet sessions with a mobile device and including web services communication mechanisms for interfacing with a mobile wallet application installed on computer readable media executable by the mobile device as well as with a plurality of different device types over a plurality of different communication channels, the integration tier being configured to receive digital communications from the mobile device;

a notification services engine configured to interface with the integration tier and to send digital messages over the different communication channels to different devices, including the mobile device, to interface with the mobile wallet application installed on the computer readable media executable by the mobile device;

service connectors that are each configured to connect the computing system to a different third party system, each of the service connectors being configured as a separate module for integrating a corresponding external service to the computing system;

a payment handler that exposes a common API for interacting with different payment processors;

a security services engine that performs subscriber authentication utilizing a database-based Access Control List (ACL);

a rules engine configured to enforce constraints on financial transactions performed with the mobile wallet application, the mobile wallet application being associated with a mobile wallet account; and

one or more computer-readable storage media having stored thereon computer-executable instructions that are executable by the one or more processors to cause the computing system to perform a transaction for a customer using the mobile wallet which is owned by another entity than the customer, comprising the following;

the computing system receiving communication from an agent terminal over one of a plurality of communication channels connected to a cloud-based transaction platform, the communication from the agent terminal indicating that a customer desires to perform a transaction comprising a mobile wallet transaction using a third party mobile wallet, wherein the mobile wallet transaction comprises at least one of a mobile wallet transfer in which funds are transferred from the mobile wallet of the customer to a third party mobile wallet, a mobile wallet withdrawal in which funds are withdrawn from the third party mobile wallet and provided to the customer, or a mobile wallet deposit in which funds are deposited into the third party mobile wallet;

the computing system sending the communication from the agent terminal to the third party mobile wallet platform;

the computing system determining whether the mobile wallet transaction comprises the mobile wallet withdrawal and when the mobile wallet transaction is determined to comprise the mobile wallet withdrawal, generating and providing a perishable withdrawal code to the customer, which is presented to the agent terminal to facilitate processing of the mobile wallet withdrawal;

the computing system receiving communication from the third party mobile wallet platform confirming processing of the transaction, the transaction comprising at least one of the mobile wallet transfer, the mobile wallet withdrawal or the mobile wallet deposit; and

after selecting a particular communication channel included in the plurality of communication channels, the computing system sending a notification communication to the agent terminal using the particular communication channel, which is connected to the cloud-based transaction platform, the notification communication to the agent terminal providing a notification indicating confirmation of the processing of the transaction.

22. A computing system for facilitating management of a mobile wallet, including:

one or more processors;

system memory;

an integration tier configured to manage mobile wallet sessions with a mobile device and including web services communication mechanisms for interfacing with a mobile wallet application installed on computer readable media executable by the mobile device as well as with a plurality of different device types over a plurality of different communication channels, the integration tier being configured to receive digital communications from the mobile device;

a notification services engine configured to interface with the integration tier and to send digital messages over the different communication channels to different devices, including the mobile device, to interface with the mobile wallet application installed on the computer readable media executable by the mobile device;

service connectors that are each configured to connect the computing system to a different third party system, each of the service connectors being configured as a separate module for integrating a corresponding external service to the computing system;

a payment handler that exposes a common API for interacting with different payment processors;

a security services engine that performs subscriber authentication utilizing a database-based Access Control List (ACL);

a rules engine configured to enforce constraints on financial transactions performed with the mobile wallet application, the mobile wallet application being associated with a mobile wallet account; and

one or more computer-readable storage media having stored thereon computer-executable instructions that are executable by the one or more processors to cause the computing system to perform a transaction for a customer using the mobile wallet which is owned by another entity than the customer, comprising the following;

the computing system receiving communication from an agent terminal over one of a plurality of communication channels connected to a cloud-based transaction platform, the communication from the agent terminal indicating that a customer desires to perform a transaction comprising a mobile wallet transaction using a third party mobile wallet, wherein the mobile wallet transaction comprises digitally transferring of funds for a purchase;

the computing system sending the communication from the agent terminal to the third party mobile wallet platform;

the computing system, upon determining that the mobile wallet transaction comprises the the digital transfer of funds, generating and providing a perishable withdrawal code to the customer, which is presented to the agent terminal to facilitate processing of the mobile wallet withdrawal;

the computing system receiving communication from the third party mobile wallet platform confirming processing of the transaction, the transaction comprising at least one of the mobile wallet transfer, the mobile wallet withdrawal or the mobile wallet deposit; and

after selecting a particular communication channel included in the plurality of communication channels, the computing system sending a notification communication to the agent terminal using the particular communication channel, which is connected to the cloud-based transaction platform, the notification communication to the agent terminal providing a notification indicating confirmation of the processing of the transaction.