IP Library › Granted Patent US 8,566,239
Granted Patent B2
US 8,566,239 · App. 11/830,468 · Granted Oct 22, 2013

Mobile commerce systems and methods

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Quick Facts
Patent No.
US 8,566,239
App. No.
11/830,468
Granted
Oct 22, 2013
Kind
B2
Abstract

Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a method of providing a plurality of mobile commerce functions can comprise receiving a communication related to a function of a mobile wallet application of a mobile device. One or more of a plurality of acquirer systems for handling of the communication can be identified based on the function of the mobile wallet application to which the communication relates. The communication can be routed to the identified one or more acquirer systems for handling of the communication. In some cases, a reply to the communication can be received from at least one of the identified one or more acquirer systems and the reply can be sent to a recipient.

Claims (38)

1. A method of providing a plurality of mobile commerce functions, the method comprising:

receiving at a first acquirer system operated by a business entity a communication related to a function of a plurality of functions of a mobile wallet application of a mobile device of a customer, wherein the communication is received from a merchant system separate from the first acquirer system, and wherein the communication comprises:

information related to a customer loyalty program; and

information related to a payment;

identifying with the first acquirer system one or more second acquirer systems of a plurality of acquirer systems operated by the business entity for handling of the communication, wherein:

each of the plurality of acquirer systems process different types of financial transactions;

the one or more second acquirer systems are identified based on the communication received from the merchant system;

a first identified one of the plurality of acquirer systems comprises a payment system; and

a second identified one of the plurality of acquirer systems comprises a customer loyalty system;

routing the communication from the first acquirer system to the first identified one of the plurality of acquirer systems for handling of the payment;

routing the communication from the first acquirer system to the second identified one of the plurality of acquirer systems for handling of the customer loyalty program;

receiving at the first acquirer system a reply to the communication from at least one of the identified one or more second acquirer systems;

generating with the first acquirer system an electronic receipt corresponding to the payment, the electronic receipt comprising transaction information;

transmitting the electronic receipt directly from the first acquirer system to a personal computer of the customer; and

wirelessly transmitting the electronic receipt from the personal computer of the customer to the mobile wallet application of the mobile device for synchronization with the mobile wallet application of the mobile device.

2. The method of claim 1 , wherein receiving the communication comprises receiving the communication from a point-of-sale device.

3. The method of claim 1 , wherein the function comprises a payment function.

4. The method of claim 1 , wherein the function comprises an account information lookup function.

5. The method of claim 1 , wherein the function comprises a registration function.

6. The method of claim 1 , wherein the function comprises a marketing function.

7. The method of claim 1 , wherein the function comprises a provisioning function.

8. The method of claim 1 , wherein the plurality of functions of the mobile wallet application comprise a payment function, an account information lookup function, a registration function, a marketing function, and a provisioning function.

9. A machine-readable medium having stored thereon a series of instruction which, when executed by a processor, cause the processor to provide a plurality of mobile commerce functions by:

receiving at a first acquirer system of a plurality of acquirer systems operated by a business entity a communication related to a function of a plurality of functions of a mobile wallet application of a mobile device of a customer, wherein the communication is received from a merchant system separate from the first acquirer system, and wherein the communication comprises:

information related to a customer loyalty program; and

information related to a payment;

identifying with the first acquirer system one or more second acquirer systems of the plurality of acquirer systems operated by the business entity for handling of the communication, wherein:

each of the plurality of acquirer systems process different types of financial transactions;

the one or more second acquirer systems are identified based on the communication received from the merchant system;

a first identified one of the plurality of acquirer systems comprises a payment system; and

a second identified one of the plurality of acquirer systems comprises a customer loyalty system;

routing the communication from the first acquirer system to the first identified one of the plurality of acquirer systems for handling of the payment;

routing the communication from the first acquirer system to the second identified one of the plurality of acquirer systems for handling of the customer loyalty program;

receiving at the first acquirer system a reply to the communication from at least one of the identified one or more second acquirer systems;

generating with the first acquirer system an electronic receipt corresponding to the payment, the electronic receipt comprising transaction information;

transmitting the electronic receipt directly from the first acquirer system to a personal computer of the customer; and

transmitting the electronic receipt from the personal computer of the customer to the mobile wallet application of the mobile device for synchronization with the mobile wallet application of the mobile device.

10. The machine-readable medium of claim 9 , wherein receiving the communication comprises receiving the communication from a point-of-sale device.

Assignments (8)
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENT RIGHTS Recorded Aug 19, 2019
From: WELLS FARGO BANK, NATIONAL ASSOCIATION
To: FIRST DATA CORPORATION; DW HOLDINGS, INC.; FIRST DATA RESOURCES, INC. (K/N/A FIRST DATA RESOURCES, LLC); FUNDSXPRESS FINANCIAL NETWORKS, INC.; INTELLIGENT RESULTS, INC. (K/N/A FIRST DATA SOLUTIONS, INC.); LINKPOINT INTERNATIONAL, INC.; MONEY NETWORK FINANCIAL, LLC; SIZE TECHNOLOGIES, INC.; TASQ TECHNOLOGY, INC.; TELECHECK INTERNATIONAL, INC.
Reel/Frame 050090/0060 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENT RIGHTS Recorded Aug 19, 2019
From: WELLS FARGO BANK, NATIONAL ASSOCIATION
To: FIRST DATA CORPORATION; DW HOLDINGS, INC.; FIRST DATA RESOURCES, LLC; FUNDSXPRESS FINANCIAL NETWORK, INC.; FIRST DATA SOLUTIONS, INC.; LINKPOINT INTERNATIONAL, INC.; MONEY NETWORK FINANCIAL, LLC; SIZE TECHNOLOGIES, INC.; TASQ TECHNOLOGY, INC.; TELECHECK INTERNATIONAL, INC.
Reel/Frame 050091/0474 →
TERMINATION AND RELEASE OF SECURITY INTEREST IN PATENT RIGHTS Recorded Aug 19, 2019
From: WELLS FARGO BANK, NATIONAL ASSOCIATION
To: FIRST DATA CORPORATION
Reel/Frame 050094/0455 →
RELEASE OF SECURITY INTEREST Recorded Jul 30, 2019
From: CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH
To: CARDSERVICE INTERNATIONAL, INC.; DW HOLDINGS INC.; FIRST DATA CORPORATION; FIRST DATA RESOURCES, LLC; FUNDSXPRESS, INC.; INTELLIGENT RESULTS, INC.; LINKPOINT INTERNATIONAL, INC.; SIZE TECHNOLOGIES, INC.; TASQ TECHNOLOGY, INC.; TELECHECK INTERNATIONAL, INC.; TELECHECK SERVICES, INC.
Reel/Frame 049902/0919 →
SECURITY AGREEMENT Recorded Jan 31, 2011
From: DW HOLDINGS, INC.; FIRST DATA RESOURCES, LLC; FUNDSXPRESS FINANCIAL NETWORKS, INC.; FIRST DATA SOLUTIONS, INC.; LINKPOINT INTERNATIONAL, INC.; MONEY NETWORK FINANCIAL, LLC; SIZE TECHNOLOGIES, INC.; TASQ TECHNOLOGY, INC.; TELECHECK INTERNATIONAL, INC
To: WELLS FARGO BANK, NATIONAL ASSOCIATION, AS COLLATERAL AGENT
Reel/Frame 025719/0590 →
SECURITY AGREEMENT Recorded Nov 17, 2010
From: DW HOLDINGS, INC.; FIRST DATA RESOURCES, INC. (K/N/A FIRST DATA RESOURCES, LLC); FUNDSXPRESS FINANCIAL NETWORKS, INC.; INTELLIGENT RESULTS, INC. (K/N/A FIRST DATA SOLUTIONS, INC.); LINKPOINT INTERNATIONAL, INC.; MONEY NETWORK FINANCIAL, LLC; SIZE TECHNOLOGIES, INC.; TASQ TECHNOLOGY, INC.; TELECHECK INTERNATIONAL, INC.
To: WELLS FARGO BANK, NATIONAL ASSOCIATION, AS COLLATERAL AGENT
Reel/Frame 025368/0183 →
SECURITY AGREEMENT Recorded Oct 31, 2007
From: FIRST DATA CORPORATION; CARDSERVICE INTERNATIONAL, INC.; FUNDSXPRESS, INC.; LINKPOINT INTERNATIONAL, INC.; TASQ TECHNOLOGY, INC.; TELECHECK SERVICES, INC.; DW HOLDINGS, INC.; FIRST DATA RESOURCES, INC.; INTELLIGENT RESULTS, INC.; SIZE TECHNOLOGIES, INC.; TELECHECK INTERNATIONAL, INC.
To: CREDIT SUISSE, CAYMAN ISLANDS BRANCH, AS COLLATERAL AGENT
Reel/Frame 020045/0165 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Sep 10, 2007
From: ARTHUR, STEVEN E.; TOOMER, CHRISTOPHER L.; OWEN, SARAH; VANDEBURG, THEODORE
To: FIRST DATA CORPORATION
Reel/Frame 019803/0965 →