Integrated system and method for enabling mobile commerce transactions using active posters and contactless identity modules
A method, integrated system and Active Poster for processing mobile touch transactions. The integration consists of an RFID or other near field communication enabled device which may be standalone, affixed to, or part of a mobile or hand held portable wireless communication device (optionally using a Contact Less (CL) SIM with near field communication capability), a touch sensitive Active Poster also with near field communication capability, an issuer's or mobile network provider's system and application and a host computer with networking capability.
1. A method of facilitating a mobile commerce transaction in a system comprising:
a wireless handheld communication device comprising a first near field communication (NFC) component comprising a device identifier corresponding to an account of a user configured to transmit said device identifier using near field communication;
an active poster device comprising a second NFC component and at least one of a touch sensitive computer screen and a button;
a host computer in communication with said active poster device over at least one network,
a service provider server in communication with said host computer over the at least one network; and
said host computer configured to have a correspondence between said device identifier and said user's account number with said service provider,
wherein the method comprises:
detecting proximity of said first NFC component by said second NFC component in said active poster device;
receiving said device identifier from said first NFC component by said second NFC component in said active poster device;
identifying a selected mobile commerce transaction by detecting a button operation or a touch on the touch sensitive computer screen of said active poster device;
providing, by said active poster device, a transaction identification code and said device identifier, to said host computer; said transaction identification code being unique for each mobile commerce transaction;
receiving, by said host computer, information from said active poster device, and identifying said user account with said service provider, either from records stored on said host computer or via communication with said service provider server,
generating a unique PIN number by said host computer; said host computer providing said PIN to said subscriber and sending said PIN, device identifier and transaction amount to a retailer at the location where the user is entering into the transaction;
receiving at said host computer an approval code and an approval message from said retailer that a payment has been received from the user;
said host computer sending a request to said service provider to apply the payment amount in order to complete the commerce transaction, said request including said device identifier, transaction identification code, and a retailer identification number,
wherein the mobile commerce transaction comprises making a payment using cash, credit card, or other payment vehicle presented at the location where the user is entering into the transaction.
2. The method of claim 1 wherein providing said PIN to said subscriber comprises said host computer forwarding said PIN to said handheld communication device via SMS.
3. The method of claim 1 wherein providing said PIN to said subscriber comprises said host computer forwarding said PIN to said active poster device in order to be provided to user.
4. The method of claim 1 wherein sending said PIN, device identifier and transaction amount to a retailer further comprises sending said PIN, device identifier and transaction amount via SMS through a mobile telecommunications network to said retailer at the location where the user is entering into the transaction.
5. A method of facilitating a mobile commerce transaction in a system comprising:
detecting the proximity of a first NFC component associated with a wireless handheld communication device having a device identifier corresponding to an account of a user by a second NFC component in an active poster device;
receiving said device identifier from said first NFC component by said second NFC component in said active poster device;
identifying a selected mobile commerce transaction by detecting a button operation or a touch on a touch sensitive computer screen of said active poster device;
providing, by said active poster device, a transaction identification code and said device identifier, to a host computer over a network; said transaction identification code being unique for each mobile commerce transaction;
receiving, by said host computer, information from said active poster device, and identifying said user account with a service provider, either from records stored on said host computer or via communication with said service provider server,
generating a unique PIN number by said host computer; said host computer providing said PIN to said subscriber and sending said PIN, device identifier and transaction amount to a retailer at the location where the user is entering into the transaction;
receiving at said host computer an approval code and an approval message from said retailer that a payment has been received from the user;
said host computer sending a request to said service provider to apply the payment amount in order to complete the commerce transaction, said request including said device identifier, transaction identification code, and a retailer identification number,
wherein the mobile commerce transaction comprises making a payment using cash, credit card, or other payment vehicle presented at the location where the user is entering into the transaction.