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.
Claims24
A method of a transaction operations server to handle transaction records for a particular transaction initiated by at least partly wireless communication between 1) a mobile communication device having a stored value represented by data on the mobile communication device and 2) a transaction terminal, comprising:
- in response to the particular transaction that 1) changes the stored value represented by data on the mobile communication device according to the particular transaction and 2) is initiated by at least partly wireless communication between the mobile communication device and the transaction terminal:
- receiving, at the transaction operations server, a first record of the particular transaction from the mobile communication device via a first communication channel through the telephone service provider network;
- receiving, at the transaction operations server, a second record of the particular transaction from the transaction terminal via a second communications channel through a communication network coupled to the transaction terminal;
- and
- reconciling the first and second records at the transaction server to verify the particular transaction.
A data processing system supporting mobile payment, comprising:
- a transaction operations server with 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;
- said programs being adapted to maintain accounts of stored value in memory accessible by the data processor, and to authenticate and communicate with a mobile communication device via more than one communication protocol;
- said programs including a program adapted to control a particular transaction initiated by at least partly wireless communication between 1) a mobile communication device having a stored value represented by data on the mobile communication device and 2) a transaction terminal, said program including instructions performing:
- in response to the particular transaction that 1) changes the stored value represented by data on the mobile communication device according to the particular transaction and 2) is initiated by at least partly wireless communication between the mobile communication device and the transaction terminal:
- receiving, at the transaction operations server, a first record of the particular transaction from the mobile communication device via a first communication channel through the telephone service provider network;
- receiving, at the transaction operations server, a second record of the particular transaction from the transaction terminal via a second communications channel through a communication network coupled to the transaction terminal;
- and
- reconciling the first and second records at the transaction server to verify the particular transaction.
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;
- said programs being adapted to maintain accounts of stored value in memory accessible by the data processor, and to authenticate and communicate with a mobile communication device via more than one communication protocol;
- said programs including a program adapted to control a transaction involving changing stored value on the mobile communication device, including:
- sending data representing a stored value to the mobile communication device;
- receiving a first record of a particular transaction from the mobile communication device via a first communication channel through a telephone service provider network;
- receiving a second record of the particular transaction from the mobile communication device via a transaction terminal via a second communications channel through a communication network coupled to the transaction terminal;
- and
- reconciling the first and second records to verify the particular transaction;
- and
- updating an account associated with the particular transaction.
Dependencies are inferred from the claim text.