Integrated communications network for transactions
AssigneeVisa International Service Association
InventorsQuan Wang, Steven Countway
Life of this patent
Estimating the term…
Abstract
An integrated communications network may be integrated with existing payment systems to provide for more efficient and secure payment related communications. The integrated communications network may use mobile network protocol encapsulation to provide more efficient, faster, and more robust payment related communications to a payment processor across a mobile network. The integrated communications network may implement a location-aware network communications system that may allow a payment processor to obtain additional information about a consumer using a location-aware header of a network communication.
Claims11
1-10. (canceled)
A method comprising:
- receiving, by a computer, a network protocol packet including a network protocol header and a transaction payload, the network protocol header including a location-aware header portion, wherein the location-aware header portion includes location-aware data retrieved by a location terminal in proximity to a mobile device;
- parsing the location-aware header portion from the network protocol packet;
- identifying the location-aware data within the location-aware header portion according to a location-aware network protocol;
- retrieving a consumer-targeted message from a database based on the location-aware data in the location-aware header portion;
- generating a response message including the consumer-targeted message;
- and
- sending the response message including the consumer-targeted message to the mobile device.
A method comprising:
- receiving, by a computer, a network protocol packet including a network protocol header and a transaction payload, the network protocol header including a location-aware header portion, wherein the location-aware header portion includes location-aware data retrieved by a location terminal in proximity to a mobile device, and wherein the transaction payload includes transaction data generated by a point of sale device for a transaction;
- parsing the location-aware header portion from the network protocol packet and identifying location-aware data within the location-aware header portion according to a location-aware network protocol;
- performing an authorization process for the transaction using the transaction data;
- validating the transaction using the data in the location-aware header portion;
- generating a validation response message for the transaction based on the validation;
- and
- sending the validation response message to the mobile device.
A computer comprising:
- a processor;
- and
- a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor for implementing a method comprising:
- receiving a network protocol packet including a network protocol header and a transaction payload, the network protocol header including a location-aware header portion, wherein the location-aware header portion includes location-aware data retrieved by a location terminal in proximity to a mobile device, and wherein the transaction payload includes transaction data generated by a point of sale device for a transaction;
- parsing the location-aware header portion from the network protocol packet and identifying location-aware data within the location-aware header portion according to a location-aware network protocol;
- performing an authorization process for the transaction using the transaction data;
- validating the transaction using the data in the location-aware header portion;
- generating a validation response message for the transaction based on the validation;
- and
- sending the validation response message to the mobile device.
Dependencies are inferred from the claim text.