System and Method of Managing Contactless Payment Transactions Using A Mobile Communication Device As A Stored Value Device
AssigneeMacronix International Co., Ltd.
InventorsAlbert Sun, Pao-Chieh An, Ying-Che Lo, Chee-Horng Lee
Life of this patent
Estimating the term…
Abstract
A method handling payment transactions in a system using mobile communication devices as stored value devices is disclosed. A transaction operations server receives multiple records of the transaction from the stored value device—one via a communication channel through the telecommunication provider network, and another via an independent communication channel. The records are reconciled at the transaction server for transaction verification.
Claims19
A transaction terminal including a data processing system supporting mobile payment, comprising:
- a data processor, including program storage storing programs including instructions executable by the data processor, and having data communication resources supporting a plurality of communication protocols including at least one protocol for data communications with a server and at least one protocol for wireless proximity coupling;
- said programs being adapted to maintain records in memory of transactions involving transfer of stored value on mobile communication devices, to authenticate a mobile communication device for communications via the wireless proximity coupling, and to communicate with a server for settlement of accounts based on the records of transactions;
- said programs including a program adapted to execute a transaction to change the stored value in a mobile communication device, including:
- receiving data representing a stored value from the mobile communication device using the wireless proximity coupling;
- and
- passing a record of the particular transaction to a transaction operations server via a communications channel through a communication network for reconciliation with a second record of the particular transaction sent from the mobile communication device to the transaction operations server via a communication channel through the telephone service provider network.
A method of a transaction terminal to support mobile payment, comprising:
- the transaction terminal executing a particular transaction to change a stored value in a mobile communication device, including:
- the transaction terminal communicating with the mobile communication device via a wireless proximity coupling between the transaction terminal and the mobile communication device, to authenticate the mobile communication device;
- the transaction terminal receiving data representing the stored value from the mobile communication device using the wireless proximity coupling;
- and
- the transaction terminal passing a record of the particular transaction to a transaction operations server via a communications channel through a communication network for reconciliation with a second record of the particular transaction sent from the mobile communication device to the transaction operations server via a communication channel through the telephone service provider network.
A memory of a transaction terminal to support mobile payment, the program instructions comprising:
- a program to execute a particular transaction to change a stored value in a mobile communication device, including program instructions to perform:
- the transaction terminal communicating with the mobile communication device via a wireless proximity coupling between the transaction terminal and the mobile communication device, to authenticate the mobile communication device;
- the transaction terminal receiving data representing the stored value from the mobile communication device using the wireless proximity coupling;
- and
- the transaction terminal passing a record of the particular transaction to a transaction operations server via a communications channel through a communication network for reconciliation with a second record of the particular transaction sent from the mobile communication device to the transaction operations server via a communication channel through the telephone service provider network.
Dependencies are inferred from the claim text.