MULTI-DOMAIN MOBILE ECOSYSTEM TOKENIZED TRANSACTION WRAPPER

1 . A method of tokenizing a wrapper in a secure personalized transaction conducted within a multi-domain ecosystem, comprising:

receiving an electronic transaction message in a secure personalized transaction comprising a plurality of information fields at a networked device in the multi-domain ecosystem;

determining with the device at least one of a type and a content for each of the plurality of information fields;

mapping at least a portion of the plurality of information fields to common format message fields;

configuring a common format transaction message based on the mapping;

wrapping the common format transaction message in a protocol abstraction content wrapper;

configuring a token with the protocol abstraction content wrapper; and

transmitting the wrapped common format transaction message from the networked device to a second networked device in the multi-domain ecosystem.

2 . The method of claim 1 , wherein the mapping facilitates abstracting a protocol of the determined message type to enable use of the protocol within the multi-domain ecosystem independent of an electronic transaction protocol of the multi-domain ecosystem.

3 . The method of claim 1 , further comprising transmitting the configured token over the multi-domain ecosystem to a source device of the electronic transaction message.

4 . The method of claim 1 , wherein the second networked device is a server of an instrument acquirer that is identifiable in the electronic transaction message.

5 . A method comprising:

receiving an electronic transaction message formatted in any of a plurality of types of transaction protocols, the message comprising a plurality of information fields, the message received from a digital wallet executing on a personal mobile device, the message received via a non-internet protocol network at a networked device configured to perform protocol abstraction in a multi-network, multi-domain ecosystem;

the networked device performing protocol abstraction by:

determining at least one of a protocol type for the message and a content for each of the plurality of information fields;

mapping at least a portion of the plurality of information fields to transaction protocol abstraction format message fields;

configuring a transaction protocol abstraction format transaction message based on the mapping; and

wrapping the configured transaction message in a protocol abstraction content wrapper;

transmitting the wrapped transaction protocol abstraction format transaction message to a second networked device in the multi-domain ecosystem over an internet protocol-based interface in the multi-network, multi-domain ecosystem;

configuring with the second networked device a transaction authentication token with the protocol abstraction content wrapper; and

delivering the token to the wallet.

6 . The method of claim 5 , wherein the networked device configured to perform protocol abstraction comprises a point of sale device.

7 . The method of claim 5 , wherein the second networked device is a server of an instrument acquirer that is identifiable in the electronic transaction message.

8 . The method of claim 5 , wherein the second networked device accesses confidential information associated with the token that is not accessible to the networked device to facilitate authenticating a transaction identified by the token.

9 . The method of claim 8 , wherein the confidential information is associated with a digital wallet disposed on a device from which the authentication of the token is transmitted.

10 . A system comprising:

a plurality of point of transaction devices, each configured to conduct electronic transactions with a distinct transaction protocol type;

a transaction protocol abstraction facility configured to abstract any of the distinct transaction protocol types by:

determining at least one of a protocol type and a content of a plurality of information fields in a transaction message received from any of the point of transaction devices;

mapping at least a portion of the plurality of information fields to transaction protocol abstraction format message fields;

configuring a transaction protocol abstraction format transaction message based on the mapping; and

wrapping the configured transaction message in a protocol abstraction content wrapper;

a mobile transaction platform server that interfaces through an enterprise service bus with a plurality of service providers, a plurality of transaction acquirers, and a plurality of transaction instrument issuers;

a mobile device-deployed electronic transaction facility that is configured to conduct transactions via the mobile transaction platform server by communicating to at least one of the point of transaction devices via a first protocol type and by communicating to at least one of the service providers, the transaction acquirers, and the instrument issuers via the protocol abstraction format.

11 . The system of claim 10 , further comprising a point of sale transaction switch for facilitating selecting among a plurality of transaction acquirers for conducting a transaction associated with the transaction message received by the transaction protocol abstraction facility.

12 . The system of claim 10 , wherein the protocol abstraction transaction wrapper is compatible with a transaction communication protocol that is independent of a portion of the distinct transaction protocol types.

13 . The system of claim 10 , wherein the protocol abstraction facility further produces a token for a transaction associated with the transaction message.

14 . The system of claim 13 , further comprising transmitting authentication of the token, along with token identification information from the source of the wrapper for an electronic transaction message to the service provider server thereby authenticating the transaction identified by the token.

15 . The system of claim 14 , wherein transmitting authentication of the token is facilitated by provider-specific software executing on a device from which the wrapper for an electronic transaction message is sourced.

16 . The system of claim 13 , wherein the wrapper is received over a first communication link and the token is electronically transmitted over a second communication link.

17 . The system of claim 16 , wherein the second communication link is an internet-protocol based link.

18 . The system of claim 16 , wherein the service provider accesses confidential information that is not accessible to the networked device to facilitate authenticating the transaction identified by the token.

19 . The system of claim 18 , wherein the confidential information is associated with a digital wallet disposed on a device from which the authentication of the token is transmitted.

20 . The system of claim 10 , wherein the at least one of the service providers is an instrument issuer.