Multi-domain mobile ecosystem tokenized transaction wrapper
OwnerMehul Desai, Nehal Maniarinventors
Life of this patent
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Abstract
Tokenizing a wrapper in a secure personalized transaction conducted within a multi-domain ecosystem involves mapping a portion of a plurality of information fields of an electronic transaction message received by a networked device of the multi-domain ecosystem to common format message fields that are then configured into a common format message. The configured common format message is wrapped in a protocol abstraction content wrapper, which is tokenized. The token and/or the wrapper is transmitted to a second networked device in the ecosystem for authentication of a transaction identifiable in the electronic transaction message.
Claims20
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.
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.
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.
Dependencies are inferred from the claim text.