# US 2019/0244189 A1 · Integrated communications network for transactions > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2019/0244189 A1 - Document ID: US20190244189A1 - Status: Published application - Kind: A1 - Application number: 16/389,764 - Filed: 2019-04-19 - Published: 2019-08-08 - Earliest claimed: 2013-02-05 - Assignees: Visa International Service Association - Applicants: Visa International Service Association - Inventors: Quan Wang; Steven Countway - Web page: https://patentgrep.com/patent/US20190244189A1 ## CPC - G06Q 20/325: {using wireless networks} - G06Q 20/027: {involving a payment switch or gateway} - G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR} - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 30/0261: {based on user location} - H04L 51/222: using geographical location information, e.g. messages transmitted or received in proximity of a certain spot or area - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## 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. ## Claims ### Claim at position 1 1-10. (canceled) ### Claim 11 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. ### Claim 12 (depends on 11) The method of claim 11, wherein the location-aware header portion includes at least one of mobile device data, consumer data, merchant data, location data, and transaction type data. ### Claim 13 (depends on 11) The method of claim 11, wherein the consumer-targeted message is one of a transaction response message, an alert message, a notification message, a rewards message, an incentive, or a coupon. ### Claim 14 (depends on 11) The method of claim 11, wherein the network protocol packet is an internet protocol packet. ### Claim 15 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. ### Claim 16 (depends on 15) The method of claim 15, wherein the location-aware header portion includes at least one of mobile device data, consumer data, merchant data, location data, and transaction type data. ### Claim 17 (depends on 16) The method of claim 16, wherein validating the transaction using the data in the location-aware header portion further comprises: identifying a consumer profile in a database associated with the consumer data from the location-aware header portion; and comparing data stored in the consumer profile with the location-aware data from the location-aware header portion, wherein the transaction is validated when the data stored in the consumer profile match the location-aware data from the location-aware header portion. ### Claim 18 (depends on 15) The method of claim 15, wherein the transaction data in the transaction payload is in an ISO 8583 message. ### Claim 19 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. ### Claim 20 (depends on 19) A system comprising: a plurality of location terminals configured to retrieve data from a mobile device in proximity to one of the plurality of location terminals, and store the retrieved data in a location-aware header portion of a network protocol header of a network protocol packet; a location proxy device configured to receive the network protocol packet and store transaction data generated by a point of sale device into a transaction payload of the network protocol packet; and the computer of claim 19.