Aggregating a user's transactions across a plurality of service institutions

• US 8,781,923 B2
• Filed: 11/09/2011
• Issued: 07/15/2014
• Est. Priority Date: 01/19/2001
• Status: Expired due to Fees

• Current Assignee: Mastercard Mobile Transactions Solutions, Inc. (MasterCard Incorporated)
• Original Assignee: C-SAM Incorporated (MasterCard Incorporated)
• Inventors: Pitroda, Satyan G., Desai, Mehul
• Primary Examiner(s): Coppola, Jacob C.
• Application Number:
  US13/292,809
• Publication Number:
  US 20120101832A1
• Time in Patent Office: 979 Days
• Field of Search: 705/30
• US Class Current: 705/30
• CPC Class Codes: G06F 21/606 by securing the transmission between two devices or processes
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/045 using payment protocols involving tickets
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/145 Payments according to the detected use or quantity
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• 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
• CPC Class Codes: G06Q 20/4014 : Identity check for transactions
• CPC Class Codes: G06Q 20/42 : Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 2220/00 : Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G16H 10/60 : for patient-specific data, e.g. for electronic patient records
• CPC Class Codes: G16Z 99/00 : Subject matter not provided for in other main groups of this subclass
• CPC Class Codes: H04L 63/0428 : wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 63/06 : for supporting key management in a packet data network cryptographic mechanisms or cryptographic arrangements for key management H04L9/08
• CPC Class Codes: H04L 63/08 : for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/0838 : using one-time-passwords

Abstract

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

Claims

1. A method of collecting, reconciling and storing a single user'"'"'s transactions across a plurality of service institutions without requiring the user to independently access each of the plurality of service institutions, comprising:

registering an electronic transaction device with a transaction service provider;

registering a plurality of accounts corresponding to a plurality of service institutions with the transaction service provider;

receiving from the electronic transaction device at the transaction service provider transaction data for at least one of a plurality of transactions conducted via the transaction device through the plurality of service institution accounts held by a user at a plurality of service institutions;

maintaining with the transaction service provider a client database that includes user confidential information, the received transaction data, and service institution account information for a plurality of users;

coupling a plurality of service institutions to the transaction service provider server over a network, the plurality of service institutions corresponding to at least the one of the plurality of service institution accounts held by a user, wherein service institution information is accessible by the transaction service provider server from a database that includes service or product information for at least a portion of the plurality of coupled service institutions;

retrieving over the network transaction data from each of the plurality of coupled service institutions for accounts held by the user at each coupled service institution; and

comparing the received transaction data from the plurality of service institutions with the received transaction data from the electronic transaction device stored in the client database.

2. The method of claim 1, wherein at least one of the transactions is conducted via a conventional plastic card.

3. The method of claim 1, wherein a request to aggregate transaction data is received from the electronic transaction device.

4. The method of claim 1, further including storing the received transaction data in a database of user information, wherein a first portion of the database of user information is designated as confidential and a second portion of the database of user information is designated as non-confidential.