MOBILE PAYMENT MANAGEMENT

• US 20150066670A1
• Filed: 11/17/2014
• Published: 03/05/2015
• Est. Priority Date: 01/09/2007
• Status: Active Grant

• Current Assignee: David Wentker, Doug Diebert, Erick Wong, Gavin Shenker
• Original Assignee: David Wentker, Doug Diebert, Erick Wong, Gavin Shenker
• Inventors: Wentker, David, Wong, Erick, Shenker, Gavin, Diebert, Doug
• Granted Patent: US 10,387,868 B2
• Time in Patent Office: Days
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04L 12/66 Arrangements for connecting between networks having differing types of switching systems, e.g. gateways
• CPC Class Codes: H04M 15/83 Notification aspects
• CPC Class Codes: H04M 15/8355 after the end of the communication
• CPC Class Codes: H04M 15/84 Types of notifications
• CPC Class Codes: H04M 15/844 Message, e.g. SMS
• CPC Class Codes: H04M 15/85 characterised by the type of condition triggering a notification
• CPC Class Codes: H04M 15/852 Low balance or limit reached
• CPC Class Codes: H04M 15/854 Available credit
• CPC Class Codes: H04M 15/881 : for continuing the call beyond the limit using allow grace
• CPC Class Codes: H04M 15/93 : using near field or similar technologies
• CPC Class Codes: H04W 4/24 : Accounting or billing
• CPC Class Codes: H04W 4/80 : Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
• CPC Class Codes: H04W 88/02 : Terminal devices

Abstract

A method for managing mobile payments in a mobile phone. The method includes receiving data associated with a plurality of issuer specific payment services at a mobile phone, selecting one of the issuer specific payment services, and conducting a transaction using the phone.

Claims

1-12. -12. (canceled)

13. A method comprising:

sending data associated with a plurality of issuer specific payment services to a mobile phone comprising a contactless element, which is capable of allowing the phone to communicate contactlessly with a contactless reader in a point of sale terminal; and

sending a plurality of messages from the plurality of issuers to the mobile phone.

14. The method of claim 13 wherein sending the code associated with the plurality of issuer specific payment applications and sending the plurality of messages are conducted by a mobile operator.

15. The method of claim 13 wherein the code associated with the plurality of issuer specific payment services is stored in a secure element in the mobile phone.

16. The method of claim 13 wherein the messages in the plurality of messages pass through a messaging gateway.

17. The method of claim 13 wherein the plurality of messages comprise at least two of a balance alert configuration response message, a balance alert message, a balance inquiry response message, a payment applied message, a payment reminder configuration response message, a payment reminder message, a transaction alert configuration response message, and a transaction alert message.

22. The method of claim 13 wherein the phone comprises a secure element and the plurality of issuer specific payment applications are stored in the secure element.

23. The method of claim 22 wherein the secure element further stores a plurality of issuer specific keys associated with the issuer specific payment services.

24. The method of claim 13 further comprising, formatting the plurality of messages prior to sending the plurality of messages.

25. The method of claim 13 wherein the messages are SMS messages.

18. A server computer comprising:

a processor; and

a computer readable medium coupled to the processor, wherein the computer readable medium comprises code executable by the processor to implement a method comprising,

sending data associated with a plurality of issuer specific payment services to a mobile phone comprising a contactless element, which is capable of allowing the phone to communicate contactlessly with a contactless reader in a point of sale terminal, and

sending a plurality of messages from the plurality of issuers to the mobile phone.

19. The server computer of claim 18 wherein the plurality of messages comprise at least two of a balance alert configuration response message, a balance alert message, a balance inquiry response message, a payment applied message, a payment reminder configuration response message, a payment reminder message, a transaction alert configuration response message, and a transaction alert message.

20-21. -21. (canceled)

26. A system comprising:

a first server computer comprising a first processor and a first computer readable medium comprising code, executable by the first processor to format a plurality of messages from a plurality of issuers; and

a second server computer coupled to the first server computer, the second server computer comprising a second processor, and a second computer readable medium coupled to the second processor, wherein the second computer readable medium comprises code executable by the second processor to implement a method comprising, sending data associated with a plurality of issuer specific payment services to a mobile phone comprising a contactless element, which is capable of allowing the phone to communicate contactlessly with a contactless reader in a point of sale terminal, and sending the plurality of messages from the plurality of issuers to the mobile phone.

27. The system of claim 26 wherein the first server computer is operated by a messaging service provider and the second server computer is operated by a mobile network operator.

28. The system of claim 26 wherein the plurality of messages comprise at least two of a balance alert configuration response message, a balance alert message, a balance inquiry response message, a payment applied message, a payment reminder configuration response message, a payment reminder message, a transaction alert configuration response message, and a transaction alert message.

29. The system of claim 26 further comprising:

the mobile phone in communication with the second server computer.