CN105164708A - Transaction token issuing authorities - Google Patents

Transaction token issuing authorities Download PDF

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Publication number
CN105164708A
CN105164708A CN201480006517.XA CN201480006517A CN105164708A CN 105164708 A CN105164708 A CN 105164708A CN 201480006517 A CN201480006517 A CN 201480006517A CN 105164708 A CN105164708 A CN 105164708A
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CN
China
Prior art keywords
token
transaction
information
party
mobile
Prior art date
Application number
CN201480006517.XA
Other languages
Chinese (zh)
Inventor
凯文·拉尔西
Original Assignee
贝宝公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to US201361758543P priority Critical
Priority to US61/758,543 priority
Application filed by 贝宝公司 filed Critical 贝宝公司
Priority to PCT/US2014/013955 priority patent/WO2014130222A1/en
Publication of CN105164708A publication Critical patent/CN105164708A/en

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223Realising banking transactions through M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/385Payment protocols; Details thereof using an alias or single-use codes

Abstract

Systems, methods, apparatus, processes, computer program code and means for conducting transactions are described which allow a first party to a transaction to identify a second party to a transaction. The method includes obtaining a token for use in said transaction, said token including information usable to identify a token issuer and a value of said token and providing said token to a second device associated with said second party, wherein said second device transmits said value of said token to said token issuer with information usable to identify said second party.

Description

Transaction token issuer
the cross reference of related application
The U.S. Provisional Patent Application sequence number 61/758,543 that the application submitted to based on January 30th, 2013, and require its right of priority.
Background technology
Recently, payment system and method for payment are suggested, and wherein user can use mobile device to conclude the business.In some method, these methods that such as assignee of the present invention proposes, user can use the mobile device with mobile payment application to conclude the business thereon.In proposed transaction, can be captured or communicate " token " (such as, settle accounts token or ATM token) mobile device.Token is used to promote completing of the transaction between the user of mobile device and transaction location by trade managing system.Such as, trade managing system can use the information that is associated with token to identify the businessman (or consumer) that is associated with transaction location and to identify unsettled (pending) Transaction Information be associated with transaction location.
In some embodiments of the system introduced by assignee of the present invention, token is used to link two entities of wishing to participate in business.Described system can be used to the use of replacing magnetic stripe card and card reader, such as, the evidence for payment being used to the consumer of the commodity be associated to the unsettled transaction of businessman Zhi Fuyu with hope at purchase-transaction (in the checkout lanes such as, in shop unsettled purchase-transaction) links together.
Transaction can be purchase-transaction, ATM transaction, funds-transfer transaction or authenticating transactions, process check or wherein information need other transaction any exchanged between the two entities.It is businessman and buyer in certain embodiments, it is two people in other embodiments, and it can be want to make their existence to the known people of retailer in other embodiments, thus dispensing pump can be opened automatically, or thus the beverage bartender in bar can being known automatically prepare them and like.
Expect to provide the system and method allowing multiple trade managing system to relate to transaction.In addition, expect that allow multiple entity or system to perform different trade management functions also makes the user of mobile device can conclude the business in effective and reliable mode simultaneously.
In addition, the equipment expecting to allow to relate to transaction easily identifies suitable trade managing system and is used for the correct path that communicates with the suitable trade managing system of each transaction or communication channel.Such as, catch in the transaction of the token be associated with the point of concluding the business at mobile device, mobile device can perform based on the information received from token the process identified for the suitable trade managing system used in transaction.As another example, catch the transaction of checkout token at transaction terminal from mobile device, transaction terminal can perform based on the information received from token the process identified for the suitable trade managing system used in transaction.
Accompanying drawing explanation
Fig. 1 is the block diagram of the part describing the system be configured according to some embodiments.
Fig. 2 is the block diagram of the part of the system describing the Fig. 1 be configured according to some embodiments.
Fig. 3 is the block diagram of the part describing the system be configured according to some embodiments.
Fig. 4 describes the process flow diagram according to the process of some embodiments.
Fig. 5 is the block diagram of the part describing the system be configured according to some embodiments.
Fig. 6 is the block diagram of the part describing the system be configured according to some embodiments.
Embodiment
Embodiments of the invention relate to for carrying out system, method, process, computer program code and the device of concluding the business.More specifically, some embodiments relate to for operating mobile device to carry out system, method, process, computer program code and the device of concluding the business with businessman, service supplier and other equipment (such as, ATM (automatic teller machine) or " ATM ").According to some embodiments, to comprise with the system, method, process, computer program code and the device that carry out concluding the business determine and the transaction token issuer (issuingauthority) that the point of businessman or transaction is associated for operating mobile device, thus make mobile device can with suitable (one or more) entity communication to conclude the business.Usually, embodiment can with system (such as, by inventor they CO-PENDING and jointly described in the above-mentioned application of quoting of specifying, wherein mobile device can be used to by scanning, catch or input and conclude the business with the code be associated of concluding the business) combining is deployed.The feature of some embodiments will combine with payment system and be described, and wherein mobile device is used to conclude the business in merchant location or mutual some place (or, in certain embodiments, at the place such as ATM (automatic teller machine), retail kiosk).
According to some embodiments, multiple trade managing system (or remote transaction management equipment) can be associated with payment system of the present invention or be used in payment system of the present invention.Such as, the first businessman can utilize the service of the first trade managing system to process transaction, and the second businessman can utilize the service of the second trade managing system to process transaction simultaneously.Carry the consumer with the mobile payment device of mobile payment application according to the present invention not necessarily to need to know which trade managing system each businessman uses.But according to some embodiments, at trading time period related to the present invention, mobile payment on the mobile apparatus application must be known and to communicate with which trade managing system.Embodiment described herein is provided for allowing the application of the mobile payment on mobile device to determine with which trade managing system to carry out communicating to carry out the technology of payment transaction.In addition, embodiment can also need to be used when the suitable trade managing system determining to carry out to communicate based on the information received from mobile device in merchant system.Result is system, and it allows multiple trade managing system to be included in payment system.In addition, the multilayer of various aspects performing trade managing system or many group systems or entity (wherein each can relate to other system as further described herein or entity) can be there is.
According to some embodiments, the function of trade managing system can be performed by multiple entity or system.Such as, one or more wallet publisher can perform the function of such as user authentication and basic trade management function and so on.One or more token issuer can perform the function of such as businessman's certification and basic trade management function and so on.In such embodiments, when consumer operates mobile device to conclude the business with businessman, mobile device (and/or mobile device operated in conjunction with wallet publisher) must determine which token issuer represents businessman and issued token, thus transaction can be carried out between consumer's (operation mobile device) and businessman.Embodiment allows such transaction to carry out.Other characteristic sum benefits will become apparent from following discloses, and the initial description of wherein concluding the business is provided with reference to Fig. 1 (wherein can relate to multiple trade managing system in transaction).Further Transaction Details will be provided in Fig. 2 (wherein can relate to multiple trade managing system).In figure 3, Transaction Details are described, and wherein some functions of trade managing system are performed by one or more token issuer and one or more wallet publisher.In the diagram, wallet registration process is described (it can configure the user of mobile payment application on the mobile apparatus in hope and be performed between trade managing system or wallet publisher).In Figure 5, for the situation relating to one or more wallet publisher and one or more token issuer in transaction, the further details of process of exchange is described.
Conveniently discuss with simplification, employ a lot of term herein.Such as, the user being used to relate generally to operation mobile device is wished entity, equipment or other objects of concluding the business with it by term " point of transaction ".Such as, " point of transaction " can be positioned at businessman, merchant web site, ATM, retail kiosk, another is individual, the article of the article with the identifier of printing such as QR code thereon and so on or the beacon that comprises wireless device or such as Bluetooth beacon and so on or object, NFC chip, audio frequency apparatus or when combine with other equipment work time can be used to start the point of the point-of-sale terminal at the places such as other equipment of transaction.Do not limit foregoing teachings, and conveniently, as used herein, " point of transaction " can also be referred to simply as " businessman ".
Term " token " will be used to relate to exchanged identifier or information between equipment involved in transaction.Such as, the token mobile device that can be supplied to by the point of merchant transaction the trading time period relating to businessman and mobile device or the mobile device that is associated with the transaction relating to businessman and mobile device.As another example, the mobile device that token can be supplied to by ATM the trading time period relating to ATM and mobile device or the mobile device be associated with the transaction relating to ATM and mobile device.As another example, token can be supplied to mutual point to start transaction by client.As will be further described herein, token can be provided with much multi-form.Token can be released for using with some different modes in transaction.Such as, as will be further described herein, token can be issued, generate or be provided by trade managing system or " token issuer ".
Term " is caught " will be used to relate to scanning, read or other obtain the behavior of " token " (according to some embodiments, being used to the identifier promoting transaction).Term " is caught " (or " being captured ") and not intended to be limiting, and be intended to comprise embodiment, wherein mobile device operated with via input through keyboard, via image capture, via RFID reading, BLE/ bluetooth, NFC and use described herein other scanning, read or other wired or wireless technology to receive token (or the data be associated with token).According to some embodiments, any decoding to token or image procossing that also comprise and to fetch from token or obtain needed for information " caught " in term.
As another example, term " wireless " is used to relate to the telecommunication technique of the non-line such as such as using radio frequency or other communication technologys based on electromagnetic radiation (comprising RFID, wifi, bluetooth/BLE, zigbee or other technologies) and so on.By reading the disclosure, it should be appreciated by those skilled in the art that and use these terms and not intended to be limiting, but the object for discussing.
As another example, term " trade managing system " relates to by physical operation to promote to relate to the system of transaction of mobile device and businessman, ATM or other equipment.Usually, trade managing system can be such as at U.S. Patent number 8,632,000 and 8,380, described in 177 and so on trade managing system.Usually, trade managing system can be by from the equipment be associated with first party (such as, the point of transaction, mobile device or article) system of the unsettled Transaction Information received and the information match received from another equipment be associated with second party (such as, the point etc. of mobile device, transaction).According to some embodiments, trade managing system uses token (such as, settle accounts token or ATM token) to perform coupling at least partly.Once unsettled Transaction Information and user profile match, then further process can be performed to allow to being used to the suitable of transaction or the selection of payment account expected or identification.In certain embodiments, trade managing system can perform other functions.Such as, trade managing system can perform user and mobile device authentication processing.Trade managing system can also be used to distribution token for concluding the business.
As used herein, " trade managing system " can also be used to detect the user at given place place or the existence of equipment and represent them and take action.Such as, when the equipment of user determine broadcast token via Bluetooth beacon ability and its be positioned at particular retailer (wherein token can be used to according to himself or combine with the geo-positioning capabilities on the equipment of user determine the position of user), near ATM or other points of concluding the business time, trade managing system can register with one or more points alternately of this position the user be associated with to locking equipment.Registration means that the point of interactive system receives about the profile information of user, such as they name, the pet name, image, loyalty program numbering (loyaltyprogramnumber) and their the frequent commodity of purchase and the preference of service.In addition, enrollment process can make the staff representative user at mutual point or mutual some place perform transaction, such as, paying pre-authorization instrument automatically performing predetermined dollar value, thus make dispensing pump (mutual point) for they are ready to start refuel, or prompting bartender starts to prepare specific beverage or allow kitchen work personnel start to prepare the favorite food of user automatically.
In certain embodiments, the function performed by trade managing system can be performed by independent entity.Such as, as used herein, " wallet publisher " can perform the function of the certification and some transaction processing function and so on of such as user and mobile device.As used herein, " token issuer " or " token issuer " are used to relate to and can perform such as certification and entity, the system or equipment of function with businessman, ATM or other mutual some communications and some transaction processing function and so on.As used herein, term " directory service " can be used to any one service performed related to by or represent in trade managing system, token issuer and wallet publisher (or other entities)." directory service " can provide allow to search or mapping function be performed (such as, based on token) to determine equipment should with which entity or which entity communication to perform the service of transaction processing as described herein.The details of these functions will be provided below further.
Assuming that use the payment system described in application of our CO-PENDING above-cited, and the details of these systems can not be reaffirmed completely in this article, and feature of the present invention will be described.But embodiments of the invention are not limited to combine with the payment system described in the application of our CO-PENDING use.
The feature of some embodiments of the present invention describes with reference to Fig. 1, and Fig. 1 is the block diagram of the system 100 according to some embodiments.More specifically, Fig. 1 is multiple trade managing system 130a-n by the block diagram of system used.Each trade managing system 130 can perform function as described herein, or performs other functions allowing mobile payment application transaction processed when relating to different transaction systems.In such a system, the transaction that may there is a place of businessman may require with the first trade managing system mutual, and the transaction at the second place of businessman may require the situation mutual with the second trade managing system.Embodiment as depicted in fig. 1 allows to use so multiple trade managing systems.Before how the multiple trade managing system of description, wallet publisher and/or token issuer will be used, the review that can how to be processed of concluding the business will be provided.The further details of dissimilar transaction and transaction processing can with reference to being incorporated to the patent of jointly specifying herein by reference and applying for obtaining.
Conveniently, various transaction describes with reference to the payment system 100 of Fig. 1, and for simplicity, will first describe when single trade managing system 130 is utilized.As shown in the figure, payment account possessor, buyer or other users or operator (hereinafter referred to as " client ") can have or use mobile device 102 (such as mobile phone etc.).Mobile device 102 has display screen 136 and data input device 138 (such as keyboard or touch-screen).According to embodiments of the invention, client can use mobile device 102 and businessman 108 to carry out concluding the business (such as, pay, loyal, to return or other are concluded the business).Businessman 108 can be physics StoreFront, e-commerce merchants or mail-order (mailorder) and phone (" MOTO ") businessman (or another people or entity or can combine work to start any other object of concluding the business with the equipment of client and/or client).In addition, businessman 108 needs not to be " businessman ", and can be another individuality (when Human To Human concludes the business) or retail kiosk or other unmanned machines (such as ATM (automatic teller machine) (" ATM ")) etc.
In typical example transaction, first user can by taking point of sale (such as by product or service, physics checkout counter, electronic business transaction car etc., be usually called " point of sale " or " POS " herein) buy product or service from businessman 108.By amounting to the article (such as, by using bar code scanner, keying in product code etc.) that will buy, businessman 108 normally starts settlement dealing.Customer selecting payment options is then pointed out by businessman (carrying out action by salesman, display screen, customer-oriented POS terminal etc.).In system before, customer selecting " credit card ", " debit card " or another payment options can be pointed out by businessman.According to the present invention, these options of client and mobile payment option can be pointed out by businessman (carrying out action by salesman, display screen, customer-oriented POS terminal etc.).If customer selecting mobile payment option, then feature of the present invention is utilized to process transaction.
In certain embodiments, substitute and require that client carrys out optional m igration payment options by action (such as by the button pressed in POS terminal or tell salesman etc. by selections), select can by the scanning of client, catch or input the settle accounts action of identifier or " token " and make (as discussed below).Such as, according to the present invention, in such embodiments, the action of catching used in the present invention will make transaction proceed.
If mobile payment option is selected, and once the total value of purchases is generated, then businessman's payment authorization request message is sent to trade managing system 130 (by path 116) by businessman 108.Businessman's payment authorization request message can comprise about transaction one or more data or information.Such as, message can comprise one or more merchant identifier, amount payable and token, and as being described further in this article, token is used to identify that businessman and transaction are for further process.
A lot of technology can be used to generate or present token.Such as, in certain embodiments, one or more token can scheduled justice or set up be used for use together with given businessman 108 (such as, businessman 108 can have a lot of checkout tokens being used in point of sale place and showing or present).In such embodiments, the token being used for using together with given transaction will be selected by businessman 108.In certain embodiments, such token can use standard format to generate or provide.Illustratively example, businessman 108 can be released or be provided the numeral with a series of token or predefined series or order.As concrete example, businessman can be instructed to use a series of numeral (such as, from " 00000 " to " 99999 ") and order or using forestland (such as, specific checkout token use to conclude the business to combine with single activity only).In such embodiments, POS system by by the alternative space selected to trade managing system 130.But in other embodiments, token is issued by trade managing system 130 or selected, and be provided to businessman's (as being described further below) in response to businessman's authorization request message token.Person of skill in the art will appreciate that for issuing, using and select the other technologies of token to be used.In certain embodiments, as being described further below, token can be issued by " token issuer ".
According to some embodiments, dynamically generate token for each transaction.In certain embodiments, token be with independent checkout position (such as, the point of specific point-of-sale terminal or position, specific ATM device or other equipment) or with the retail business people of the pipeliner or electrician and so on of position of such as specifically not settling accounts or the static identifier that is associated with individual.Businessman 108 makes token be shown or be presented to client.Such as, token can be shown on the display device be associated with businessman, or is printed in advance on other displays near placard or point of sale.
From the angle of client, payment process of the present invention can use the present invention to perform verification process carries out transaction with the identity and authority that confirm them from client.Verification process can be performed after the mobile payment option at customer selecting point of sale place, or in some cases, can be performed before the mobile payment option at customer selecting point of sale place.According to some embodiments, verification process is used as to trade managing system 130 certification client.Verification process can be related to client and on mobile device 102, open (launching) mobile payment application or web browser and the one or more voucher from communication path 114 to trade managing system 130 or the project that are provided information by.Such as, verification process can relate to input user identifier, password or other vouchers in the logon screen on the display device 136 being presented at mobile device 102 or other user interfaces.The information received is carried out certification client by trade managing system 130 compared with the information of storage.As will be further described herein, different trade managing system 130a-n can be related to, and different mobile devices can from different trade managing system 130a-n alternately to perform this verification process.In addition, in certain embodiments, the function performing certification can be performed by the entity of the mobile payment Application issuance used by client.Such entity can be called as " wallet publisher " in this article.
In certain embodiments, the comparing of the one group of attribute collected from mobile device 102 that stores of verification process one or more attribute of also relating to mobile device 102 and registration process (process of such as Fig. 3) period.Such as, attribute can comprise the identifier identifying this equipment be uniquely associated with mobile device 102.Therefore, client is certified in two ways--the thing (logging on authentication) that they know and their tool anything (mobile device).Once client is authenticated successfully, then system access is about each attribute of client, comprises the list of the payment account that the forward direction trade managing system 130 as a part of client of registration process identifies.In certain embodiments, as will be further described herein, verification process is performed between mobile device 102 and wallet publisher.
After successful verification process, client is prompted to scan from the equipment be associated with businessman 108, catch (or input) token (as Suo Shi mutual 112 between mobile device 102 and businessman 108).As will be further described herein, token is used to the message linked from mobile device 102 and businessman 108 and trade managing system 130, thus makes can be done according to transaction of the present invention.After catching token, mobile device 102 token in client trading search request message is sent to trade managing system 130 (by communication path 114).Client trading search request message comprises the token of being caught by mobile device 102.
According to some embodiments, " static state " token or " dynamically " token can be used." static state " token by the embodiment that uses (such as, one is allocated for by the embodiment of the specific use of transaction location, and it does not comprise any variable information of each transaction), the token information that trade managing system 130 passes through to receive in each message of coupling is by the information match the information client trading search request (receiving from mobile device 102) and businessman's payment authorization request (receiving from businessman 108).Once find coupling, transaction detail message (by path 114) is sent to the mobile device 102 of client by trade managing system 130.From transaction detail message information to client provide about transaction details, include but not limited to the position (being included in the information obtained in businessman's payment authorization request or the information coming from businessman's payment authorization request) of amount payable, title and businessman, and possible one or more marketing message.In addition, trade managing system 130 can also send the list of client's chartered payment account in systems in which to phone, comprise the account of credit card, debit card, check, payment in advance and other types.Based on the rule set up by the publisher of mobile payment Virtual network operator, businessman, each payment account, client or another entity (such as, the account list being sent to mobile device may only include these accounts that can be used to current transaction), the list of account can comprise all accounts that client registers in systems in which, or it can comprise the subset of account.According to some embodiments, the list of account can only include single account or multiple account.In addition, the list of account does not comprise actual delivery voucher--contrary, actual delivery voucher is stored in (or may have access to) trade managing system 130 (or, in certain embodiments, the wallet publisher as will be described below).Therefore, mobile device 102 does not store responsive payment account information.Such as, the list of account can comprise the identifier (such as acting on behalf of) allowing trade managing system 130 or wallet publisher to identify the actual delivery voucher be associated with each account of client simply.Present client can see on the display 136 of their mobile device 102 title of the businessman that they will pay, the amount of money that will pay and they can be used for the list of their payment account that pays to businessman 108.
In certain embodiments, the token of businessman can come from the unique identifier in businessman's payment authorization request.Such as, when the system that businessman can not revise them is easily to transmit static token to trade managing system 130, such demand (businessman adopts new method of payment to require) obtaining can reducing or even eliminate renewal of the equipment and software change.Token can use mapping table merchant identifier, terminal identifier or other information (being passed to trade managing system 130 by merchant system) being mapped to token to obtain.Based on the identifier received, mapping process can occur to identify the suitable token for using in this payment transaction.Selected token is associated with the transaction in the merchant transaction queue of trade managing system 130 place (or token issuer locates as will be further described below), and wherein it becomes the transaction that can be used for the client messages queue from trade managing system 130 place (or wallet publisher as will be further described below locates) and matches.Person of skill in the art will appreciate that other couplings and mapping techniques also can be used.In any case, according to the present invention, token be used to by businessman's payment authorization hyperlink request to from the client reception of operation mobile device to the identifier (comprising the combination of letter, numeral and/or symbol) of payment authorization request.
In the embodiment using " dynamically " token (such as, wherein during settlement dealing before token is displayed on the display device that is associated with businessman, token is generated by any one in businessman 108, trade managing system 130 or token issuer, and wherein token can comprise the additional information about transaction), checkout process can proceed, and does not need client trading search request message to be sent to trade managing system 130.Such as, in certain embodiments, some or all of trade details can be encoded as dynamic token, and when dynamic token is captured by mobile device 102 or processed, dynamic token provides trade detail to mobile device 102.The further details of " static state " token embodiment and " dynamically " token embodiment can come into question below or in the application of jointly specifying being incorporated to this paper by reference further.But, in any case, be used to the message from mobile device 102 and the information matches from businessman 108 at trade managing system 130 place combination place of wallet publisher as described herein and token issuer (or) token.
In order to complete payment transaction, client is then mutual to select the payment account of the expectation that will use in this transaction with mobile device 102, and makes client's payment authorization request message submitted (by path 114) to trade managing system 130.In certain embodiments, payment authorization request message is sent to the mobile device of client by trade managing system 130, makes client can have the final chance confirming or cancel payment transaction, although this step is optional.Confirmation or the cancellation of client are sent to trade managing system 130 by path 114 from mobile device 102 as client's payment authorization message.
Once be received from the payment authorization message of the mobile device of client, trade managing system 130 (or, in certain embodiments, as by the wallet be described further below publisher or other entities) create the mandate being used for being transmitted by one or more payment processing network (the not showing in FIG) message that ratifies a motion and cause the mandate of the fund of transaction, clearance and clearing.This request message comprises the information from businessman's payment authorization request, the amount of money of such as concluding the business, or at least to relevant businessman's payment authorization request (receiving from businessman 108) and by customer selecting and be stored in the pointer of the payment account identifier (and by other identifier identifications acted on behalf of or receive from mobile device) of the identification payment account trade managing system 130 before or quote.Authorize approval process to use standard finance authorisation process to perform by one or more authorisation network (such as, to be runed by Visa incorporated company the automatic system for settling account etc. of network, such as NACHA and so on, will be called simply " payment processes " below in Fig. 2,3,5 and 6).Once the availability of fund is identified, businessman's payment authorization response message (by path 116) is then sent to businessman by trade managing system, and therefore transaction can be done in point of sale.Client's payment authorization response message can also be displayed to client and/or be sent to the mobile device of client at point of sale place.
According to some embodiments, as being described further below, during check-out process, any practical evidence for payment of client is not provided to businessman 108.In addition, mobile device 102 never stores, sends or receives actual delivery voucher.On the contrary, mobile device 102 stores or accesses the agency be associated with actual delivery voucher, and agency is used to identify the payment account for the expectation used in given transaction.In client's payment authorization request message agency be sent to trade managing system 130 (or, in certain embodiments, be sent to wallet publisher), and trade managing system 130 (or, in certain embodiments, wallet publisher) use agency search or identify the actual delivery voucher be associated with by the account selected.Actual delivery voucher is then sent to the agency of account issuer or mandate from trade managing system 130 (or, in certain embodiments, from wallet publisher).By guaranteeing that businessman 108 or mobile device 102 place are not revealed to or be stored in actual delivery voucher, embodiment provides the possibility of the account safety of enhancing and the swindle of minimizing or abuse.
According to some embodiments, mobile device 102 can be smart phone or the mobile device with network function, such as, phone or can access with display web page in perhaps can access any phone of Internet.In certain embodiments, mobile device 102 uses cellular network or wireless network to communicate with trade managing system 130.In certain embodiments, trade managing system 130 is safe servers (or network of server).In certain embodiments, trade managing system 130 (or, in certain embodiments, wallet publisher and/or token issuer) with such as runed by Visa incorporated company network, to be runed by Master world operation (MasterCardInternational) one or more payment processing network of network etc. and so on (not shown in FIG, but be shown as " payment processes " in Fig. 2,3,5 and 6) communicate.Trade managing system 130 (or, in certain embodiments, wallet analyst and/or token issuer) can also with other financial transaction network (such as, ACH and EFT network, private label network, such as and so on replaced payment system etc.) communication with permission operation mobile device 102 client use the various multi-form means of payment and account to conclude the business.Trade managing system 130 (or, in certain embodiments, wallet publisher and/or token issuer) can also with one or more advertising management network or offer supervising the network (such as, by those networks etc. providing) communication.As being described further below, the data comprising advertisement and offer can be received from these networks, and are presented to client by mobile device 102.
In certain embodiments, other equipment can obtain token and/or start transaction.Such as, in certain embodiments, the client of operation mobile device 102 can obtain token for using in transaction, and then this token is supplied to another participant in transaction (such as, businessman, operate another client etc. of another mobile device).Such transaction flow usually can by proceeding as follows.
According to some embodiments, transaction (such as, payment, loyal or other transaction) can be performed by client, this client operates mobile device 102 to obtain token from trade managing system 130, and then token presents to mutual point (such as, businessman 108, another mobile device etc.).Such as, once token is obtained by mobile device 102, mobile payment application can make token (or the version of code of token, such as, in QR code etc.) on the display screen that is displayed on mobile device 102 for being read by mutual point or catch, being sent to mutual point etc. by wireless communication link.Such as, the process at place of businessman 108 can by proceeding as follows (although other process flows also can use together with the result expected).
First, the salesman be associated with businessman 108 can in POS terminal place scan articles, and create the initial basket bought by the client of operation mobile device 102 or one group of article (although the scanning of article can occur in token be generated and captured after, but in this illustrative embodiment, conveniently, the scanning of article is described to first occur).According to the present invention, client's (and client is by such as have registered one or more payment account below in conjunction with the process of the process described by Fig. 4 and so at trade managing system 130) that operation is configured with the mobile device 102 paying application determines to use mobile device 102 to carry out payment transaction in businessman 108, and asks the token for using in transaction alternately with mobile device 102.This request makes message be sent to trade managing system 130.Message can also comprise the information (as mentioned above) of the mobile device of certification client and client, and the token that trade managing system 130 uses the data from message to create unsettled transaction record and generate for using in transaction in transaction queue.
Trade managing system 130 makes message be sent to mobile device 102, and this message comprises the data be associated with the token for using in transaction.Mobile device 102 (by the control paying application of the present invention) makes token be displayed on the display screen of mobile device 102.Token can be shown with forms such as QR code, bar code, bluetooth or RFID signal or be presented, and client is prompted to present to businessman salesman or businessman's POS system for catching with token.In time capturing token from mobile device 102, merchant system 108 token and unsettled trade detail (trade detail can comprise total dealing money and by other details of article scanned) are associated, and process transaction request message is sent to trade managing system 130, and process transaction request message comprises token information and the information (information about transaction can comprise dealing money and other information) about transaction.Such as, message can comprise data element, and data element comprises: row project (1ineitem) details of article identifying the information (receiving from mobile device 102) of token, identify the information of cashier, POS terminal, businessman 108, position, dealing money and buy.Trade managing system 130 uses information from process transaction request message to identify unsettled transaction in transaction queue, and upgrades transaction queue.
Request message then can be sent to mobile device 102 from trade managing system 130, and request message comprises the information comprising dealing money be associated with the transaction received from businessman 108.In addition, message can comprise the information of the one or more available payment account identifying client, the one or more available payment account of client is identified as client operable in specific transaction (such as, by applying the specific rule of one or more businessman, the specific rule of one or more system and one or more customer account rule) by trade managing system 130.From the information received from trade managing system 130, select available payment account with the client that mobile device 102 is mutual, and make to be sent to trade managing system 130 by the accounts information selected and trade confirmation message.
According to some embodiments, some or all of these message between mobile device 102 and trade managing system 130 can be sent out in one or more transaction session.That is, session control be activated guarantee same mobile device 102 in simple transaction session, ask token and receive about available payment account information and select available payment account.Like this, embodiment guarantees that different client or user can not Shangdi be multiplexing or copy the payment information of different user to a certain degree.In addition, the method guarantees that the mobile device 102 starting request for token to be used to the Unique Device for being sent to the transaction identified in the message of trade managing system 130 from businessman 108 and carrying out paying.
When receiving the confirmation of the selection of payment account and transaction, trade managing system 130 makes payment authorization request message be sent to payment processing system (not shown in FIG, but be illustrated in Fig. 2, Fig. 3, Fig. 5 and Fig. 6).Payment authorization request message comprises actual delivery voucher (being identified based on the information received from mobile device 102), dealing money and Business Information.When receiving the authorization response from payment processing system, trade managing system 130 makes confirmation response message be sent to businessman 108 (confirmation response can also be sent to mobile device 102).Unsettled transaction can also be removed from transaction queue.Like this, payment transaction can be used for making in transaction for being performed by allowing mobile device 102 to obtain the token for using in transaction and this token is supplied to businessman 108.This process of exchange can also combine with the transaction of loyalty, discount and other types and use.In addition, process can be used at merchant location (comprising MOTO, the internet etc.) place of other types, carry out concluding the business and carrying out interpersonal transaction in ATM or retail kiosk place.
Although the system described in Fig. 1 (with other places of the present disclosure) illustrate only single mobile device 102 and businessman 108, it should be appreciated by those skilled in the art that in use many in the equipment of use and the businessman of many this systems of use by having.In addition, according to some embodiments, the Multi-instance of trade managing system 130 (and, in certain embodiments, wallet publisher and token issuer) is in operation.
As being described further below, the advantage that existing method of payment has many expectations is compared in the transaction using embodiments of the invention to carry out.Such as, client can use their mobile device to carry out payment transaction at various merchant location place.In addition, mobile device can be used to access the various different payment account that client holds, and allows client be the payment account that each transaction selection is most suitable or expect most.Use feature of the present invention, businessman need not bear expensive hardware modification or replacing, because embodiment can utilize point and the hardware of existing marketing system.In addition, paying with embodiments of the invention can be more safer than existing method of payment, because can require that each transaction use two article are certified--the user profile (such as user identifier and/or password or PIN) that client is known, and be used for starting with client the unique attribute that the mobile device of concluding the business is associated.By reading the disclosure, other benefits and advantage will become apparent to one skilled in the art.
According to some embodiments, system 100 comprises multiple trade managing system 130a-130n.Each (or some) businessman 108 can or relation relevant with one or more trade managing system 130a-130n, and the client operating mobile device 102 does not need to know in trade managing system 130a-130n, and which relates to any given transaction.Similarly, each mobile device 102 can communicate from much different trade managing system 130a-130n, and before businessman or point-of-transaction unnecessary know in trade managing system 130a-n which relate to any given transaction (as described herein, until such information is distinguished at trading time period).
Described in the application of CO-PENDING, according to the purchase of some embodiments or other process of exchanges comprise the token be associated with point-of-transaction generation, scan or catch.In certain embodiments, this token can be dynamically generated for using in individual's transaction of specific businessman or position.The scanning of mobile device 102 pairs of tokens or catch and make information be sent to trade managing system 130 for completing transaction.According to some embodiments, the data be associated with token or can be selected the suitable payment account for concluding the business to combine to use with identification.As disclosed herein, in order to retrieve about the information of concluding the business (such as at place of businessman, identify the information of amount payable, merchant name etc.), the data be associated with token can also be used to determine that mobile device should communicate with which trade managing system 130a-n.
According to some embodiments, mobile device 102 (or businessman 108, when token is provided to merchant system from mobile device 102 in transaction) can use any means a lot of diverse ways to determine and contact at given trading time period and which trade managing system 130a-n.Such as, in certain embodiments, when mobile device 102 is in the scanning of point of sale place or when catching token, token can comprise identifier or other information, identifier or other information can be applied by mobile payment and make for the suitable trade managing system 130a-n of contact.Such as, identifier or other information can be directly in token by URI or URL encoded, and it makes the path for determining to arrive suitable trade managing system 130a-n by the Mobile solution on mobile device 102.Illustratively example, URL https: //paydiant.com/tms/productiondirectly be included in token together with token value itself.In such embodiments, URL or URI can use URL encoding scheme to encode, thus mobile payment application can be decoded effectively and exactly from URL or URI of token and the value of token.
As another the illustrative example of the information that can be included in token, the URL character string of format can be encoded in token, and (such as, URL character string can be encoded in QR code etc.) is caught for being applied by mobile payment and is processed.The URL character string of format can have following structure:
https://<hostname/ipaddress>:<port>/<tokenIssuingAuthorityIdentifier>/<issued Token>/<transactionMetaData>。According to the example character string of this form can be:
https://176.64.73.134:8663/pydt/y7uyihd7/USD/3400。The transaction metadata that can be carried in this character string can be, the information of the currency that such as (and being not limited to) such as concludes the business, the amount of money and merchant identifier and so on of transaction.
As another the illustrative example of the information that can be included in token, identifier based on URI can be encoded in token, and (identifier such as, based on URI can be encoded in QR code etc.) is caught for being applied by mobile payment and is processed.Token can be alphanumeric token, such as " 3ab0f564-82b5-4846-83a0-604c44989c59 ".This character string can be used to search suitable trade managing system (or wallet publisher/token issuer) for alternately.Tokenized character string identification symbol also can be used.Such as, tokenized character string can be formatted in many ways, includes, but is not limited to illustratively example:
<tokenIssuingAuthorityIdentifier>:<issuedToken>:<transactionMetaData>。
In a further embodiment, token can comprise identifier, and this identifier is used to search and arrives suitable trade managing system 130a-n or carry out with suitable trade managing system 130a-n the suitable path that communicates.Such as, the mobile payment application of mobile device 102 being installed can be provided with has the right look-up table in one or more identifier/path (along with the change of time, it can be updated or revise).Such as, mobile payment application can store the table of such as sample table 1 and so on below:
Identifier Path
ABC123 http://payiant.com/tms/production
XYZ567 http://visa.com/tms/prodution
Table 1
In illustrative example in Table 1, if mobile device 102 is mutual with the businessman 108 of use Paydiant trade managing system 130, then can be comprised the value of identifier " ABC123 " and token from the token that businessman 108 catches by mobile device 102.In time receiving token, mobile device 102 performs to be searched to determine for being that (in this example, suitable path will be in the path be associated with identifier ABC123 with the path that trade managing system communicates http:// payiant.com/tms/production).If mobile device is mutual with the businessman 108 of use Visa trade managing system 130, then can be comprised the value of identifier " XYZ567 " and token from the token that businessman 108 catches by mobile device 102.In time receiving token, mobile device 102 performs to be searched to determine for being that (in this example, suitable path will be in the path be associated with identifier XYZ567 with the path that trade managing system communicates http:// visa.com/tms/prodution).
In certain embodiments, substitute (or except) using the look-up table be stored on mobile device 102, external service can be used to retrieve suitable path.Such as, mobile device 102 can be mutual with businessman 108, and scan and catch the token presented by businessman.Token can be encoded to comprise identifier and token value, and identifier can be used as parameter in the web service call made by mobile device 102 to retrieve the path of suitable trade managing system 130a-n.By this way, mobile device 102 does not need store or safeguard look-up table, and only needs the calling of the predetermined network service endpoints made returning the routing information be associated with trade managing system identifier.In certain embodiments, the combination of look-up table and web service call can be used (such as, if identifier be disabled or be not included in be stored in mobile device 102 place look-up table in, then mobile device 102 can make the calling of web service endpoint to retrieve the suitable routing information of trade managing system 130).
In certain embodiments, an entity or equipment (such as, business management server, token issuer etc.) can be used as directory service.Such as, token can be encoded or be comprised information, and this information is included in URI or URL (or other addresses) of directory service.When directory service contacts with the token value be associated with transaction, directory service can operate to identify or provide one or more other URI, URL (or other addresses), its can by equipment (such as mobile device 102, businessman 108, another trade managing system 130 etc.) use to obtain with conclude the business be associated or can be used for the further information of concluding the business.Illustratively but be not restrictive example, the directory service contacted with specifically conclude the business (by token value identification) can provide can obtain with the first address of the merchant data be associated of concluding the business, can obtain transaction acceptance data (such as, after completing transaction) the second address and the 3rd address with the authorization data be associated of concluding the business can be obtained.Each in these extra addresses can be obtained by the equipment of the address and effective token value with LIST SERVER or entity.In certain embodiments, with can being controlled alternately of LIST SERVER (such as, thus make to only have the entity of mandate and equipment can obtain information from directory service).The relation of additional level also can be used.Such as, token issuer can provide the address be associated with trade detail, and for additional transactions details, this address can relate to another equipment or entity, and this address can relate to and the additional information be associated of concluding the business.
In certain embodiments, the value from token itself is not needed to determine the suitable trade managing system 130 that will use.Such as, mobile device 102 or businessman 108 can follow based on any amount factor (such as, temporal information, in one week what day, the current trading volume at interaction point place, the amount of money of purchase or for determining to use any other factor of which trade managing system 130) one or more rules.The trade managing system 130 that mobile device 102 or businessman 108 can also have acquiescence is arranged (it is defined in does not have specific trade managing system 130 to be designated when combining with token by the acquiescence trade managing system 130 used), and trade managing system 130 can be changed based on assessing the one or more rules comprising the one or more data item from token or the data from the data item of any other data source.
As further embodiment, the token of being caught by mobile device 102 can comprise identifier, and identifier should be able to be used for decoding to infer the path to relationship trading management system 130a-n by the mobile payment on mobile device 102.Such as, the identifier that algorithm can be used to receive in token is converted to the path of suitable trade managing system 130.Illustratively example, the simple identification symbol of " V1P " can be used to construct based on scheme below https: //visa.com/1/productionpath: " V " in the primary importance of identifier is mapped to territory " visa.com ", and " 1 " in the second place of identifier is mapped to the catalogue with same names, and " P " in the 3rd position of identifier is mapped to " product " sub-directory.Similar scheme and mapping can be used to produce various URL/URI scheme, allow the application of the mobile payment on mobile device 102 effectively to identify the correct path communicated with suitable trade managing system 130.When reading the disclosure, it should be appreciated by those skilled in the art that for determining that the other technologies in the suitable path to trade managing system also can be used.
In certain embodiments, the function performed by trade managing system 130 can be performed by one or more entity.Such as, in certain embodiments, the function performed by trade managing system 130 can be performed by wallet publisher or token issuer.In certain embodiments, the function performed by wallet publisher can comprise, such as, to user management, function that user authentication is relevant with some basic trade managements.The function performed by token issuer can comprise, and such as, manages to businessman, function that businessman's certification is relevant with some basic trade managements.Much different wallet publishers may be there is (such as, it issues mobile wallet to multiple client, and it is the user-dependent functions of these customer account managements) and much different token issuer is (such as, according to the present invention, itself and different businessmans are alternately to promote to conclude the business).The feature of such embodiment describes referring now to Fig. 2.
Further details according to some aspects of the system of some embodiments of the present invention describes referring now to Fig. 2.Fig. 2 is the block diagram of example payment system network environment of display mobile device 202, businessman 208, communication path between one or more trade managing system 230 and payment processing system 232.Mobile device 202 can be, such as, and mobile phone, PDA, personal computer etc.Such as, mobile device 202 can from apple incorporated company from RIM's use Google the mobile phone etc. of operating system.According to some embodiments, as described herein in institute, mobile device 202 can operate and pay application, pays application and allows mobile device 202 to operate as payment devices.In certain embodiments, Web content or access internet can be accessed and show to mobile device 202, thus the client operating mobile device 202 can be concluded the business to start alternately by network interface and one or more trade managing system 230.
Such as, the mobile device 202 of Fig. 2 can be communicated by one or more wired and/or wireless network 201.Exemplarily, wireless network can be cellular network (being represented by community transmitter 215).Mobile device 202 can pass through cellular radio or other wireless communications, and is then communicated with network 214 (such as, internet or other public or private networks) by gateway 216.The access point of such as access point 218 and so on can be provided to promote data and other communication access networks 214.Such as, access point 218 can meet 802.11g (or other) communication standard.Such as, operating according to of the present invention, mobile device 202 in allow mobile device 202 to be used as embodiment that the payment of payment devices apply, paying to apply and can to make or the communication of control data arrives one or more trade managing system 230 by network 201.
In certain embodiments, mobile device 202 can participate in both speech and data communications by wireless network 214 via access point 218.Such as, mobile device 202 can send or receive call, transmission and reception Email, transmission and reception Short Message Service (" SMS ") message, transmission and reception email message, access e-file, transmission and receiving stream media etc. by wireless network via access point 218.Similar communication can be made by network 215.
In certain embodiments, mobile device 202 can also by additive method (such as, with the wired connection of network, communicate (such as, using blueteeth network etc.) etc. with point-to-point (peertopeer) of other equipment) set up communication.Such as, mobile device 202 can by network 201 and such as one or more trade managing system 230 (carry out payment transaction, establishment, edit, check or revise payment account and arrange and preference etc.), network 240 and other serve 242 and so on one or more communication for services.Mobile device 202 can also access other data by one or more wired and/or wireless network 201.Such as, such as the content provider of news site, RSS source, website, blog, social network sites, Developer Network etc. and so on can be visited by mobile device 202.Log in installation network browser application on the mobile device 202 in response to client, such access can by calling internet browsing function or application (such as, browser) provides.In certain embodiments, user can utilize web browser and one or more trade managing system 230 mutual to register payment account, set up account preference and perform payment transaction etc.
Mobile device 202 has display screen 236 and data input device 238 (such as, keyboard or touch-screen or speech interface).According to embodiments of the invention, client can use mobile device 202 and businessman 208 to carry out purchase-transaction (or carry out ATM transaction with ATM or any other of carrying out being supported by system of the present invention are concluded the business).Businessman 208 can be physics StoreFront, e-commerce merchants or MOTO businessman (or another person or entity).In certain embodiments, mobile device 202 also has camera (not shown) or allows mobile device 202 to catch the image of token 210 or other image capture devices of expression.In certain embodiments, mobile device 202 other reception of wireless signals equipment of also there is wireless receiver (not shown) or allowing mobile device 202 wireless signal of catching token 210 to represent.Such as, client can operate mobile device 202 carry out shooting digital pictures or catch to be presented on Merchant sales point device/image of the token 210 at place starts payment transaction to use the present invention.The image of catching is shown as the item 237 on display screen 236.As being described further below, token 210 can be used to start and carry out the transaction with businessman.
According to the present invention, businessman 208 can operate one or more merchant system 209 and pay and conclude the business to process (as will be described, comprise payment transaction) (and " tradition " or standard payment transaction, comprise cash, standard payment card etc.).Merchant system 209 can be the point of sale system (such as physical retail location) of networking, or it can be shopping cart system (such as ecommerce or internet retail location).When " businessman " is atm device, merchant system 209 can also be atm network etc.Merchant system 209 can also be designed to allow the combination that businessman accepts the system of the payment of commodity or service.In certain embodiments, merchant system 209 can communicate for the one or more point of sale devices 212 presented with receive from the display device 213 of the information of client with having.Such as, when businessman 208 is physical retail location, merchant system 209 can communicate from much different point of sale devices 212, and each point of sale device 212 is arranged in different checkout lanes or the position in shop (or different shop of diverse geographic location).Transaction Information can be presented, shows or send to the client at point of sale (or " POS ") place by each point of sale device 212, thus client can be ratified or authority to purchase (AP) and present the payment of purchase.
As another example, wherein businessman 208 is internet or other e-commerce merchants, merchant system 209 can be the webserver (or the network of server, some of them can access internet) being configured to process the purchase-transaction be associated with businessman 208.In such an example, point of sale device 212 can be a lot of remote terminals mutual with merchant system 209, such as, can carry out mutual personal computer, mobile device etc. with merchant system 209 by the network of such as internet and so on.Because embodiments of the invention for the businessman of the physical type and remote-type that are called as " point of sale " or " interaction point " herein, point of sale, the point of purchase or both the startup transaction mutual between buyer and businessman and can be concluded the business.
According to embodiments of the invention, token 210 is shown at a point-of-sale or near point of sale.Token 210 is " static state " token or " dynamically " token.When static token is used, token can be printed near sale locations point, be shown or be provided (be such as displayed on label (sticker) or placard, such client can see easily and reads or catch token).Static token 210 can be printed to bar code image, alpha numeric identifier or be printed with other forms.In certain embodiments, the form that token easily can distinguish with people is presented, thus makes them that mobile device 202 can be used to be typed to or to catch.At static token by the embodiment that uses, in order to provide the details about transaction to mobile device 202, additional treatment step can be performed (as being described below).
At dynamic token by the embodiment that uses, token can be displayed on the display device 213 that is associated with point of sale device 212.Dynamic token can be generated to comprise Transaction Information (such as, buying amount of money etc.), and in certain embodiments, the less message during can payment transaction being included between mobile device 202 and trade managing system 230.Token 210 can be encoded or is shown as bar code image, alpha numeric identifier, wireless signal or be allowed token 210 to be captured as other forms (such as, using the camera be associated with mobile device 202 or scanner) of image.Token can also be keyed in by the client of mobile device 202 or be caught by the wireless receiver be associated with mobile device 202.In certain embodiments, mobile device can combine with the token 210 of multiple type and be operated (such as, be how to be present in point of sale based on token 210, Mobile solution can use image capture, wireless receiving or key in catches token 210).
Display device 213 can be LCD (or other display techniques) display (these current available displays at the place of many businessmans such as, in the system of such as Hyperom4150 terminal or VerifoneMX870 terminal etc. and so on).Use according to the token 210 in transaction of the present invention will be described below further.But, generally speaking, token 210 uses the information of information or the addressable trade managing system 230 being stored in trade managing system 230 that the payment request from mobile device 202 and the payment authorization request from businessman 208 have been matched payment transaction by trade managing system 230.Be in the embodiment of dynamic token at token 210, token can also be used to send the trade detail from businessman 208 to mobile device 202.
In typical example transaction, paid as payment options by first optional m igration, verification process is performed with payment application (or by web browser mutual with trade managing system 230) on mobile device 202, token 210 is caught from the equipment be associated with businessman 208 (such as from the display 213 of point of sale device 212), the account of trade detail and payment account list or preference or the list of suitable account is received from trade managing system 230, select payment options on the mobile device 202, and submit the request of client's payment authorization by network 201 to trade managing system 230, client can buy product or service from businessman 208.
The selection of payment options comprises the information accepting the available one or more payment accounts identifying client.Available payment account can be by client combine with Fig. 4 below such as the process that is described further and so on registration process during those payment accounts of specifying.According to some embodiments, different payment account option present the list that can comprise and one or more rule or preference are applied to available payment account, thus make the most applicable current transaction or (one or more) account of can be used for current transaction be presented to client.A payment account that customer selecting will use (or multiple account, when splitting submit a tender (splittender) and concluding the business), and information is sent to trade managing system 230.In certain embodiments, after client is certified, the available payment account of all clients can be displayed to client.
In certain embodiments, the list (after its process client trading search request) of the account received from trade managing system 230 after a while can comprise the attaching metadata that is associated with each payment account or information (such as, if account is used in current transaction, current available account balance, available any special price (specialoffers) etc.).In certain embodiments, based on the rule at trade managing system 230 place application (such as, the application of the regular or system convention of one or more client rule, businessman), the list of the account received from trade managing system 230 after a while can comprise less account.Such as, rule can specify specific payment account not to be used to the transaction of low dollar.In this case, specific payment account can not be included in the list of the account be sent out from trade managing system in response to client trading search request.In other words, after trade managing system 230 processes client trading search request, the list of the payment account received from trade managing system 230 can be the subset of the chartered all accounts of client.
Substantially simultaneously, businessman's payment authorization request message is sent to trade managing system 230 by network 220 by businessman 208.Client's payment authorization request (being received from mobile device 202 by network 201) and businessman's payment authorization request (being received from businessman 208 by network 220) are matched by using token 210 by trade managing system 230.
At dynamic token 210 by some embodiments of using, trade detail does not need to be received from trade managing system 230 by mobile device 202, on the contrary, some or all of trade details can by be encoded or the data be included in dynamic token 210 are provided to mobile device 202.In certain embodiments, when dynamic token is used, mobile device 202 is from trade managing system request or receive some or all of trade details.
In certain embodiments, then client's payment affirmation request message is sent to the mobile device 202 of client by trade managing system 210, makes client can have the final chance confirming or cancel payment transaction.Such as, client can be prompted " confirmation " or " cancellation " payment transaction.This prompting can provide about transaction with by the additional information of payment account selected, and therefore before selection " confirmations " or " cancellation ", client can have the details about concluding the business.In certain embodiments, client can be given arrange preference or configuration mobile payment application chance to enable or disable some message or transaction step.As concrete example, client can be given the chance of reception (or not receiving) client payment affirmation request message.
Once receive the final confirmation proceeding to pay from the mobile device 202 of client, trade managing system 230 create authorize ratify a motion message for transmit to carry out concluding the business by one or more payment processing network 232 fund mandate, clearance and clearing.This request message comprises from businessman's payment authorization request (receiving from businessman 208) and the trade detail of the amount of money or other information and so on of such as concluding the business of actual delivery voucher that is associated with the payment account by customer selecting.Actual delivery voucher is stored in the position of database or addressable trade managing system 230 searching of actual delivery account credentials before can selecting information and execution by use payment account obtains.Authorize approval process (such as, can be runed by Visa incorporated company by one or more payment processing network 232 the automatic system for settling account etc. of such as NACHA and so on) use standard finance authorisation process perform.Once the availability of fund is identified, businessman's payment authorization response message is then sent to businessman 208 by trade managing system, and therefore transaction can be done at point of sale 212 place, and client's payment authorization response message is sent to the mobile device 202 of client.
As mentioned above, similar process can occur in mobile device 202 and be used to obtain token from trade managing system 230, and businessman 208 (or other mobile devices or other interaction point equipment) catches token from mobile device 108.
In certain embodiments, multiple entities that the different processing functions usually provided by one or more trade managing system as above is provided can be comprised according to payment system of the present invention.Such as, in some cases, according to the present invention, multiple entity (being called " wallet publisher ") distribution and management mobile payment application is expected herein.Such as, financial institution or other entities can be selected to issue and manage the task or function that provide mobile payment to apply to its client.This can make multiple wallet publisher participate in payment system of the present invention.Similarly, financial institution or other entities can represent the selection of one or more businessman and provide token distribution functions.That is, entity can have existing relation with businessman, and may integrated or access merchant point of sale and other merchant system.This can make multiple token issuer participate in payment system of the present invention.
An exemplary system is shown in figure 3, except one or more token issuer 250 and one or more wallet publisher 260 substitute trade managing system 230 be shown except (but, in certain embodiments, one or more trade managing system 230 can also be utilized in the system carrying out operating of combining with one or more wallet publisher 260 and one or more token issuer 250), this example system is similar to the system shown in Fig. 2.As shown in Figure 3, wallet publisher 260 can be communicated with mobile device 202 by one or more network path.Usually, wallet publisher 260 can with operate each mobile device 202 that the mobile payment that be issued by wallet publisher 260 apply communicate (such as, mobile payment apply can be guaranteed by encoding between mobile device 202 and relevant wallet publisher 260 reliable mutual with communicate).In addition, token issuer 250 is communicated with one or more businessman 208 by one or more network path.In some transaction embodiment and sight, can also exist between wallet publisher 260 with token issuer 250 communicate (such as, to complete the transaction relating to two entities).In addition, when wallet publisher 260 is shown as communicating with one or more payment processing network 232, in certain embodiments, token issuer can also communicate with one or more payment processing network 232.The further details relating to the transaction of these entities is provided combining with the discussion of Fig. 5 below.
According to some embodiments, the present invention can be used to use before mobile device (mobile device 202 of such as Fig. 3) carries out purchase-transaction client, client must perform the registration process of the process that is described of such as combining with Fig. 4 and so on.Be associated with process 400 be collected or the data that are provided can be stored in the one or more databases be associated with the trade managing system of such as system 230 and so on or may have access to the one or more databases be associated with the trade managing system of such as system 230 and so on.In addition, according to some embodiments, data that are that independent wallet publisher 260 can store being collected of being associated with process 400 or that be provided.
The registration process 400 of Fig. 4 starts from client, and first (at 402 places) and registrar (it can be the assembly or associated of the trade managing system 230 of Fig. 2 or the wallet publisher 260 of Fig. 3) start registration process alternately.Such as, client can operate Internet-browser (or on the mobile apparatus or on another computing equipment) and visits the registered network page that is associated with registrar or use the function in Mobile solution to complete registration process.The registered network page can ask client to provide some identifying informations to start account creation process.Such as, client can provide name, address and other contact details and contact preference, comprises one or more e-mail address and telephone number.Voip identifiers or other unique (one or more) record can be established in the database of that be associated with trade managing system 230 or wallet publisher 260 or addressable trade managing system 230 or wallet publisher 260.Voip identifiers can be used to identify client uniquely.Voip identifiers can be the alpha numeric identifier of being distributed by trade managing system 230 (or being wallet publisher 260 according to embodiment) or can be based on client or the information (such as, Mobile Directory Number or the identifier that is associated with mobile device 202) that provided by client.
Process and continue at 404 places, wherein client and trade managing system 230 (or being wallet publisher 260 according to embodiment) set up account relation.In certain embodiments, account creation comprises the contact details and identification information that provide and be associated with client, and mark client wishes the information of the one or more mobile devices making transaction.Such as, each mobile device 202 can come identified by its telephone number and/or other unique (one or more) identifiers (such as, the component serial number etc. of ad identifier, such as CPU sequence number and so on of hardware sequence number, ASIN, iPhone).In certain embodiments, the wherein browser registration of client from their mobile device or registered by the mobile device first the payment application with Registering modules being downloaded to them, system can catch the unique identification information (such as, hardware sequence number, ASIN, ad identifier or other device identifiers) be associated with mobile device.
Process and continue at 406 places, wherein client provides the information of wishing one or more payment devices or the payment account be associated with payment system of the present invention about client.In other words, client provides and wishes the information with the one or more payment accounts be associated with the account relation of trade managing system 230 (or being wallet publisher 260 according to embodiment) of client about client.Such as, client can input the information about one or more credit card, debit card, Gift Card, bank account, checking account etc.Information about each account comprises the actual delivery voucher of the process transaction that accesses to your account or enough information.Such as, for credit or debit card, information can comprise: primary account number (or PAN), due date and identifying code.For bank account, information can comprise: routing number and account number.Other information of such as bank information or issuer information and so on also can be transfused at 406 places.
Illustratively example, the client of by name " Jane " have input the relevant details of in her payment account that wishing with her can combine with the present invention utilizes four, comprise: primary account number (or " PAN ") is for ####### and block large logical (Chase) credit card that due date is 05/12, ABA number is ####### and account number is the Robert Webster bank checking account of ########, PAN is ######## and blocks the Robert Webster bank Visa debit card that due date is 06/11, be ###### with PAN and due date be 8/10 Startbuck's Gift Card.Adjunct account identification information can be provided as required (such as, in certain embodiments, for Payment Card, card checking number also can be provided).Such as, the data obtained during process 400 can be stored securely in PCI compatible data storehouse.In certain embodiments, by storing Payment Card data (comprising due date and identifying code) safely, the payment using the present invention to make can make the qualified conduct of the exchange of minimizing " card presents " conclude the business.According to some embodiments, client can add as required, remove or upgrade accounts information.
Process and continue at 408 places, one or more preference that the use that wherein client can set up the one or more accounts inputted with 406 places is alternatively associated or rule.Such as, client can conduct " master " account in destiny account or default account.Other rules and preference also can be configured to make account to be selected in effective and logical mode and to be used.Such as, how client can should be processed by assigned priority or other rules based on the account payment account that carrys out pointer concrete to other payment accounts.How and when client can also refer to fixed tube reason payment account by the cost restriction that is alternatively presented or remaining sum needs.Buy or available fund or use return received by each account each account from which businessman based on client, client can also be shown order on the mobile apparatus by destiny account.
In certain embodiments, rule (rule that such as client specifies) payment process can be made to carry out faster or there is less client's step.Such as, client can specify when making purchases (or the purchase of some type, such as, lower than the purchase of specific U.S. dollar amount) in specific businessman, and giving tacit consent to payment account will be used.In this case, use purchase-transaction of the present invention to continue and do not need customer selecting or confirm payment account selection--the rule that it is specified by application client completes automatically.
When reading the disclosure, it should be appreciated by those skilled in the art that and various types of account level rule can be designated how allow customer account management payment account (with when) is presented as payment options.
In illustrative embodiment presented hereinbefore, the client of by name " Jane " has specified account preference below: (i) she want the use reducing credit card, and (ii) she want to reduce tranaction costs.Jane further specify when the analyzed rule for being employed when using in given transaction of specific payment account: (i) her Startbuck's gift card remaining sum should be used (being assigned with limit priority) as far as possible, (ii) her checking account or the debit card that is associated with her checking account should be used as the second high priority (but, if transaction will make her remaining sum be reduced to $ 1, less than 000, then she would rather not use checking account), and (iii) her credit card should be last payment options, there is minimum priority.
When Jane uses her mobile device to use the present invention to conclude the business, which or multiple payment account trade managing system 230 (or the wallet publisher 260) rule of having been specified by Jane and preference recommend be available for transaction compared with the details of transaction.Such as, if Jane uses her mobile device to come to buy a cup of Java in Startbuck, then by allowing her know, she can use her Startbuck's Gift Card to buy to trade managing system.By this way, the selection based on their overall preference and the payment options of purposes target can be presented to the client with various payment account.In addition, the payment account being not useable for particular transaction or being not suitable for particular transaction can be identified by trade managing system 230 (or wallet publisher 260) like this, thus make this payment account not need alternatively to be presented to client (such as, if Jane buys gasoline in refuelling station, can not be presented to her as payment options to this transaction Startbuck Gift Card).
In certain embodiments, if client's operation or use can operate the mobile device (such as iPhone or Android phone) of application related to the present invention, then process and can continue at 410 places.At 410 places, client is prompted download on their mobile device and install application.According to the present invention, application permission client operates their mobile device to carry out payment transaction rapidly and easily.According to the present invention, to phone or the equipment that can not run such application, by mobile phone browser can be accessed link or Webpage can be created or be provided to client, thus make client to carry out payment transaction.
Once client establishes account relation with trade managing system 230 (or being wallet publisher 260 according to embodiment), and have registered the one or more payment accounts with trade managing system 230 (or wallet publisher 260), then client can utilize system of the present invention supporting that the place of businessman of transaction of the present invention carries out purchase-transaction.
In certain embodiments, the embodiment such as, described in Fig. 3, different entities, system or equipment can perform different trade management functions.Such as, in certain embodiments, the multiple wallet publisher 260 such as, with the multiple transaction relating to multiple mobile device 202 and multiple businessman 208 (or other mutual point, ATM, other mobile devices etc.) mutual and multiple token issuer 250 can be there is.Such as, some clients can obtain their mobile payment application from their financial institution or other entities at their mobile device 202, and financial institution or other entities can be used as the wallet publisher 260 (or using agency to perform the function of wallet publisher 260) of these clients.Some businessmans 208 can select with specific (instead of other) token issuer 250 mutual.Or businessman 208 can use single token issuer 250.Each combination causing the entity participating in transaction given between client and businessman 208 in these selections, and cause the technological challenge of participating in business allowing all participants no problem.Embodiment is provided for allowing transaction to occur and no matter potential system and method that the is huge and quantity of changeable participant.
With reference now to Fig. 5, wherein the further system diagram of the part of descriptive system 500 is illustrated, and the client and the businessman 108 that wherein operate mobile device 102 conclude the business.In shown system 500, mobile device 102 operates the payment application (it may be mounted and configuration by process as shown in Figure 4) provided by wallet publisher 260.In shown system, businessman 108 and one or more token issuer 250a-250n have and associate or carry out alternately with one or more token issuer 250a-250n.Such as, according to the present invention, one or more entities (such as, financial institution, demanding party of businessman (acquirer), point of sale system seller etc.) that businessman 108 can be provided for the token of the transaction be performed with its trust have association.In such a system, when not having feature of the present invention, transaction is allowed to proceed will to be technical challenge.Details for some embodiments proceeded that allow to conclude the business is described by the display treatment step being indicated as item " 1 "-" 6 " in Figure 5 below.In certain embodiments, although only have 6 masters to be illustrated alternately, eachly multiple message between equipment or communication can be comprised alternately.Conveniently illustrate to only have top being illustrated alternately in Figure 5 with being easy to; But various embodiment option will be described below.
As shown in the figure, the client operating mobile device 102 wishes to conclude the business with businessman 108.Such as, client can be the checkout lanes place in businessman, and article that wherein will be purchased record (ringup) by salesman, and client may indicate the expectation paid with his Mobile solution.The selection of mobile payment option can make merchant system request token for transaction.In this example, businessman 108 uses some different token issuer 250a-n (such as, for the transaction of some type, businessman 108 can use token issuer 250a, and can use token issuer 250b and 250n for the transaction of other types).This is only shown one by one when reading the disclosure in order to illustrative object, it should be appreciated by those skilled in the art that many businessmans can be only mutual with single token issuer 250.
In illustrative embodiment as shown in Figure 5, businessman 108 has some relations, and in described transaction (the mutual place being denoted as " 1 "), asks distribution token from token issuer 250b.Request can be requested in message (such as, the information be associated with unsettled transaction being sent to businessman's payment authorization request message of token issuer 250b).When receiving businessman's payment authorization request message, token issuer 250b generates or identifies the token being used for using in transaction.Token issuer 250b can also create the unsettled transaction record be associated with token.In certain embodiments, unsettled transaction record can comprise information, other data that this information comprises merchant identifier, terminal identifier, dealing money and is associated with unsettled transaction.According to some embodiments, the token being generated by token issuer 250b or obtain comprises the information that can be used for identifying token issuer 250b.As discussed above, such information can comprise URL character string (in certain embodiments, the information that URL and other transaction are correlated with being supplied to token issuer), the identifier based on URI, the tokenized character string identification symbol etc. of format.Token (comprising token--identifier and the information for identifying token issuer) is returned to businessman 108 for presenting or sending mobile device 102 to.
When reading the disclosure, it should be appreciated by those skilled in the art that in certain embodiments, token and the information for identifying token issuer can also be pre-stored in place of businessman 108 or make it be local available at place of businessman 108.
Businessman 108 token can show or be rendered as QR code or show by other means or present token, and client can be prompted to use their mobile device 102 to catch token (being shown as the mutual of " 2 " place).Once captured, the mobile payment application on mobile device 102 can be obtained by the token that operates to decode the information (being shown as the mutual of " 3 " place) be included in wherein.In certain embodiments, the decoding of token can relate to mobile device 102, mobile payment application and distribution mobile payment application wallet publisher 260 or some other equipment between collaboration process.To the decoding of token can cause every below in any item or all items: to the mark of the token issuer 250b of distribution token, actual token value and any metadata of being provided together with token value specific.
This point in transaction, token issuer 250b has the unsettled transaction record comprising the trade detail received from businessman 108.Unsettled transaction record can use to be issued by token issuer 250b or the token that provides comes identified.But token issuer 250b may not know that this place is about client or any information about the payments mechanism that will be used by client.Client's (by mobile payment on mobile device 102 application) can have at " 3 " place by the information about unsettled transaction of scope be provided in the metadata of encoding, and has token value and can be used for the information of identity tokens issuer 250b.Wallet publisher 260 have authenticated client and mobile device 102, and have with received by mobile device 102 or information that the token of catching is associated.Usually, at this some place, the mark of token issuer 250b is also known by wallet publisher 260.Wallet publisher 260 is also known the metadata be associated with transaction some (being provided if these combine with token).Such as, consider illustrative example, wherein the token URL character string of the format of the form had below is encoded:
https://<hostname/ipaddress>:<port>/<tokenIssuingAuthorityIdentifier>/<issued Token>/<transactionMetaData>。By mobile device 102 " 2 " receive and the URL character string of format below " 3 " place can be shown by the character string of encoding:
https: // 176.64.73.134:8663/pydt/y7uyjhd7/USD/34000/MID01001, it allows mobile device 102, mobile payment application and wallet publisher 260 distinguish suitable token issuer 250b mutual be with it https: // 176.64.73.134:8663 placeaddressable and be identified as the token issuer of " pydt ".The token that can be used for identifying unsettled transaction record is " y7uyjhd7 ", and transaction be the amount of money at the place of businessman being identified as " MID01001 " is $ 3, the dollar of 400.In addition, wallet publisher 260 can have the position and other data that receive from mobile device 102.
In certain embodiments, mobile device 102 can not be made to have Transaction Information in the process at " 3 " place.Such as, in certain embodiments, metadata (such as identifying the data etc. of dealing money) can not be comprised at " 2 " place from the token that businessman 108 obtains.Under these circumstances, one or morely further can be required alternately.Such as, one so is further shown as mutual " 4 " alternately, wherein mobile device 102 with for the request of trade detail and wallet publisher 260 mutual.The process at " 4 " place can comprise mobile device 102 provide token value to wallet publisher 260 and can be used for identity tokens issuer 250b information to=.Wallet publisher 260 can issue request (ask the trade detail be associated with unsettled transaction record, unsettled transaction record is associated with the token value obtained in " 2 " by mobile device) to token issuer 250b.Once carry out processing (the token obtained at " 2 " place does not have the metadata be associated with transaction or the metadata be associated with transaction with deficiency) or carrying out at " 3 " place processing (the token obtained at " 2 " place has enough metadata be associated with transaction) at " 4 " place, process can proceed as described below.
Apply mutual wallet publisher 260 with the mobile payment on mobile device 102 can proceed to perform and process to determine which (one or more) payment account of client can be used in transaction.Such as, the wallet publisher 260 storing the preference Sum fanction of client can determine to only have several payment accounts of client to be used in the businessman's use being identified (or based on business types or position) by " MID01001 ".Wallet publisher 260 can also determine to only have some payment account to be the transaction that can be used for amount of money $ 3,400 dollars.Wallet publisher 260 can apply with mobile payment and notify which payment account of client can be used for unsettled transaction and obtains the customer selecting of the one or more payment accounts for completing transaction alternately.
Once client have selected the account of expectation on their mobile device 102, and confirm or accept transaction, process can proceed with mutual " 5 ", wherein mobile device 102, wallet publisher 260 or mobile device 102 communicate to obtain Trading Authorization for transaction from one or more payment processing network 280 with the combination of wallet publisher 260 with token issuer 250b, and Trading Authorization are supplied to suitable token issuer 250b.Mutual " 5 " like this can relate to much message.Such as, once client have selected (one or more) payment account of the expectation for completing transaction, the message of (one or more) payment account that mark is expected is sent to wallet publisher 260 (according to some embodiments, this information does not comprise actual delivery account credentials, but comprises agency or the identifier that can be used for retrieving or identifying by wallet publisher 260 actual delivery account credentials).Wallet publisher 260 information comprising actual delivery account credentials (such as, PAN, account number, checking data or verification msg and due date etc.), dealing money and merchant identifier constructs payment authorization request message.Then payment authorization request message is sent to one or more payment network for authorisation process.If transaction is authorized, then wallet publisher 260 can receive authorization code and authorization response message, and then authorization code and authorization response message are sent to suitable token issuer 250b together with token.
When receiving authorization code and authorization response, token issuer 250b uses the token received to identify unsettled transaction record, and it is next mutual to complete transaction with businessman 108 to perform process (at " 6 " place).Such as, when paying authorized, token issuer 250b can send the information be done with confirming Transaction Success, and such businessman 108 can make receipts of transactions be printed at mutual some place.Wallet publisher 260 can also make receipts of transactions or other information be sent to mobile device 106.
In some cases, wallet publisher 260 based on to wallet publisher 260 can information to obtain payment authorization from payment processing network 280 may be impossible.Such as, in certain embodiments, token issuer 250 can not provide and the attaching metadata (such as merchant identifier and/or dealing money) be associated of concluding the business.Under these circumstances, embodiment can be provided, and the further communication wherein between wallet publisher 260 and token issuer 250 may be required.Such as, in certain embodiments, once wallet publisher 260 obtains token from mobile device 102, wallet publisher 260 can set up with token issuer 250 metadata (comprising, such as merchant identifier and dealing money) communicating and obtain loss.Then wallet publisher 260 can as above proceed, and obtains payment authorization from payment processing network 280.
In a still further embodiment, wallet publisher 260 based on to wallet publisher 260 can information to obtain payment authorization from payment processing network 280 be impossible situation, token issuer 250 can obtain payment authorization.Such as, in certain embodiments, when identifying the suitable payment account voucher being used for using in transaction, those (one or more) payment account vouchers can be passed to token issuer 250 (together with token) by wallet publisher 260, thus allow token issuer by the information from unsettled transaction record and construct payment authorization message from (one or more) payment account voucher that wallet publisher 260 receives.In either case, the ability completing transaction is based on can being used for identifying the information (token) of transaction and can being used for the information (such as URL, URI or be provided the information of other data with token and so on) of identity tokens issuer 250 and being supplied to mobile device 102 and wallet publisher 260.
As mentioned above, in certain embodiments, mobile device 102 can be operated to obtain token, and then token can be provided to businessman 108 (or another equipment in transaction or participant).In such embodiments, different entities, system or equipment can perform different trade management function is possible.With reference now to Fig. 6, one of them demonstrative system will be described.As the embodiment be described above that combines with Fig. 5, there is the multiple wallet publisher 260 such as, with the multiple transaction relating to multiple mobile device 202 and multiple businessman 208 (or other point of concluding the business, ATM, other mobile devices etc.) mutual and multiple token issuer 250.
In figure 6, the further system diagram of the part of descriptive system 600 is illustrated, and the client and the businessman 108 that wherein operate mobile device 102 conclude the business.In shown system 600, mobile device 102 operates the payment application (its may by mounted in process as shown in Figure 4 or configure) provided by wallet publisher.In illustrated system, mobile device 102 obtains token (being denoted as item " 1 " transaction) from token issuer 250b.In certain embodiments, user and device authentication process can combine and occurs or occur before in mutual " 1 " (such as, wherein user and equipment by wallet publisher 260 certification) with mutual " 1 ".In certain embodiments, when mobile device 102 makes the request for the token from token issuer 250b, its can also provide can be used for communicating with mobile device 102 by token issuer 250b information (its by allow token issuer 250b will be described below and be denoted as item " 4 " message in send trade detail to mobile device 102).When receiving the request for token, token issuer 250b can create the unsettled transaction record be associated with token.In certain embodiments, unsettled transaction record can comprise information, other data that this information comprises wallet publisher identifier (for identifying the wallet publisher 260 applying with the mobile payment of mobile device 102 and be associated), voip identifiers and is associated with unsettled transaction.According to some embodiments, the token being generated by token issuer 250b or obtain comprises the information of identity tokens issuer 250b of can being used for.As discussed above, such information can comprise URL character string (in certain embodiments, URL and other information relevant to transaction being supplied to token issuer 250b), the identifier based on URI, the tokenized character string identification symbol etc. of format.Token (in certain embodiments, comprising token value and information, some attaching metadatas for identity tokens issuer) is returned to mobile device 102 for presenting or sending businessman 108 to.
Mobile device 102 token can show or be rendered as QR code (or presenting it by the wireless signal of such as bluetooth, NFC etc. and so on), and businessman 108 can be prompted to catch token (such as, using scanner or other readers) (being displayed on the mutual of " 2 " place).Once captured, businessman 108 token decoding can obtain the information (being shown as the mutual of " 3 " place) be included in wherein.In certain embodiments, the collaboration process between businessman 108 and another entity can be related to the decoding of token.Any item of item or all items below can causing the decoding of token: to the mark of the particular token issuer 250b of distribution token, actual token value and any metadata of being provided together with token value.
Then businessman 108 can perform process and generate and businessman's payment authorization request message be sent to the token issuer 250b (such as, by mutual " 4 ") identified in token.Businessman's payment authorization request message can be sent to token issuer 250b by the information be associated with unsettled transaction and from the token value of the mutual acquisition in " 2 " and " 3 ".Other data that information can comprise merchant identifier, terminal identifier, dealing money and be associated with unsettled transaction.
This point in transaction, token issuer 250b has the unsettled transaction record comprising the information received from mobile device 102 and the unsettled transaction data comprising the information received from businessman 108.Unsettled transaction record can use the token value being emitted to or being supplied to mobile device 102 by token issuer 250b to identify (and then it be transferred into businessman 108).Token issuer 250b can also have the information that can be used for information being sent to mobile device 102 (such as, comprise and allow the information directly communicated with mobile device 102 and/or the information allowing the wallet publisher 260 by being associated with mobile device 102 to communicate with mobile device 102, these any or all information may be denoted as item " 1 " mutual in obtained).But token issuer 250b may not know any information relevant with the payments mechanism that will be used by client at this some place.In addition, at this some place, mobile device 102 may not have any trade detail (comprising the information be associated with businessman, dealing money etc.).In certain embodiments, token issuer 250b makes to occur with the further message that " 4 " are associated alternately.This further message is the message between token issuer 250b and mobile device 102.In certain embodiments, as shown in Figure 6, this message can carry out route by the wallet publisher 260 be associated with mobile device 102, and other embodiments can allow the direct communication between token issuer 250b and mobile device 102.
Once mobile device 102 (and, in certain embodiments, for wallet publisher 260) there is the information (such as, comprising the information of mark businessman 108, dealing money etc.) be associated with unsettled transaction, process can with the mutual continuation being denoted as " 5 ".
In the process of the such as interaction shown in item " 5 ", apply mutual wallet publisher 260 with the mobile payment on mobile device 102 and can proceed to perform and process to determine which (one or more) payment account of client can be used in transaction.Such as, the wallet publisher 260 of preference Sum fanction storing client can determine to only have several payment accounts of client to be used in businessman to make use (or based on business types or position).Wallet publisher 260 can with mobile payment apply notify alternately which payment account of client can be used for unsettled transaction and the customer selecting obtaining one or more payment account for completing transaction.
Once client have selected the account of expectation on their mobile device 102, and confirm or accept transaction, the process of " 5 " can proceed alternately, wherein the combined communication of mobile device 102, wallet publisher 260 or mobile device 102 and wallet publisher 260 is to obtain Trading Authorization for transaction from one or more payment processing network 280, and Trading Authorization is supplied to suitable token issuer 250b.Mutual " 5 " like this can relate to much message.Such as, once client have selected (one or more) payment account of the expectation for completing transaction, the message of (one or more) payment account that mark is expected is sent to wallet publisher 260 (according to some embodiments, this information does not comprise actual delivery account credentials, but comprises agency or the identifier that can be used for retrieving or identifying by wallet publisher 260 actual delivery account credentials).Wallet publisher 260 information comprising actual delivery account credentials (such as, PAN, account number, checking data or verification msg and due date etc.), dealing money and merchant identifier constructs payment authorization request message.Then payment authorization request message is sent to one or more payment network for authorisation process.If transaction is authorized, then wallet publisher 260 can receive authorization code and authorization response message, and then authorization code and authorization response message are sent to suitable token issuer 250b together with token.
When receiving authorization code and authorization response, token issuer 250b uses the token received to identify unsettled transaction record, and it is next mutual to complete transaction with businessman 108 to perform process (at " 6 " place).Such as, when paying authorized, token issuer 250b can send and confirm the information be successfully completed of concluding the business, and such businessman 108 can make receipts of transactions be printed at mutual point.Wallet publisher 260 can also make receipts of transactions or other information be sent to mobile device 106.
In some cases, wallet publisher 260 based on to wallet publisher 260 can information to obtain payment authorization from payment processing network 280 may be impossible.Such as, in certain embodiments, token issuer 250 can not provide and the attaching metadata (such as merchant identifier and/or dealing money) be associated of concluding the business, or additive transaction information can not be supplied to and the mobile device 102 combined alternately at " 4 " place and wallet publisher 260.Under these circumstances, embodiment can be provided, and the further communication wherein between wallet publisher 260 and token issuer 250 may be required.Such as, in certain embodiments, once wallet publisher 260 obtains token from mobile device 102, wallet publisher 260 can set up with token issuer 250 metadata (comprising, such as merchant identifier and dealing money) communicating and obtain loss.Then wallet publisher 260 can as above proceed, and obtains payment authorization from payment processing network 280.
In a still further embodiment, wallet publisher 260 based on to wallet publisher 260 can information to obtain payment authorization from payment processing network 280 be impossible situation, token issuer 250 can obtain payment authorization.Such as, in certain embodiments, when identifying suitable (one or more) the payment account voucher being used for using in transaction, those (one or more) payment account vouchers can be passed to token issuer 250 (together with token) by wallet publisher 260, thus allow token issuer by the information from unsettled transaction record and construct payment authorization message from (one or more) payment account voucher that wallet publisher 260 receives.In either case, the ability completing transaction is based on can being used for identifying the information (token) of transaction and can being used for the information (such as URL, URI or be provided the information of other data with token and so on) of identity tokens issuer 250 and being supplied to mobile device 102 and wallet publisher 260.
Embodiment allows process to occur in the system with multiple trade managing system, and allow process have execution trade management (such as wallet publisher and token issue) different aspect multiple entities system in occur, and allow mobile device easily with mark effectively and which trade managing system (or other equipment or entity) to communicate and identify to be used for the path mutual with the relevant trade managing system of each specific transaction (or other equipment or entity) or communication channel.
By this way, embodiment allows various different trade managing system and other entities and equipment to be used in payment system of the present invention, and allows the mobile device participating in payment system correctly to identify to communicate to have come according to transaction of the present invention based on the information of catching in the checkout token obtained at the some place concluded the business with determining with which trade managing system (or other equipment or entity).
The foregoing description of process herein should not be considered to imply the fixing order for implementation step.On the contrary, process steps can be performed with feasible random order, comprises the net synchronization capability of at least some step.Although the present invention is described together with concrete exemplary embodiment, but it is to be understood that when not departing from the spirit and scope of the present invention proposed in accessory claim, apparent various change, replacement and change to one skilled in the art can be made to disclosed embodiment.

Claims (36)

1., for operating the equipment that is associated with first party to identify the method participated in the second party of the transaction of described first party, described method comprises:
Obtain and be used for the token that uses in described transaction, described token comprises and can be used for identifying the information of token issuer and the value of described token; And
Described token is supplied to the second equipment be associated with described second party;
Wherein said second equipment is by the described value of described token and can be used for identifying that the information of described second party is sent to described token issuer.
2. the method for claim 1, wherein obtain described token also to comprise:
In response to the request to token issuer, receive the token being used for using in described transaction.
3. the method for claim 1, wherein described token data also comprises the metadata be associated with described token.
4. method as claimed in claim 3, wherein, the described metadata be associated with described token comprises the information of at least one identified in the following: the amount of money of (i) described transaction and the currency type of (ii) described transaction.
5. method as claimed in claim 4, wherein, the described metadata be associated with described token comprises the information of at least one in home address identifier and resource identifier, and described address designator and described resource identifier can be used for obtaining at least one in the following: the receipt of the quotation that the details of (i) described transaction, (ii) are associated with described transaction and (iii) described transaction when described transaction is done.
6. the method for claim 1, wherein described first party is client, and described second party is businessman.
7. the method for claim 1, wherein described first party is businessman, and described second party is client.
8. the method for claim 1, wherein described first party is the first individuality, and described second party is the second individuality.
9. the method for claim 1, wherein, described token issuer is one in multiple token issuer, and wherein can be used for identifying that the described information of described token issuer identifies described token issuer uniquely from described multiple token issuer.
10., for operating the equipment that is associated with first party to perform a method for the transaction between described first party and second party, described method comprises:
The token be associated with described transaction is obtained by described equipment;
Process described token to determine token data, described token data comprises and can be used for identifying the identifier of token issuer and the value of described token;
The information comprising at least described token data is sent to wallet publisher; And
The request of described transaction is sent completely to described wallet publisher, wherein, described wallet publisher uses the account of described first party to perform process with the mandate obtaining described transaction, and the information be associated with described mandate is supplied to described token issuer has been used for described transaction.
11. methods as claimed in claim 10, wherein, obtain described token and also comprise:
Described token is caught by the described equipment be associated with described first party, and described token presents to described first party by described second party.
12. methods as claimed in claim 10, wherein, obtain described token and also comprise:
In response to the request to token issuer, receive the token being used for using in described transaction.
13. methods as claimed in claim 10, wherein, described token data also comprises the metadata be associated with described token.
14. methods as claimed in claim 13, wherein, the described metadata be associated with described token comprises the information of at least one identified in the following: the amount of money of (i) described transaction, the identifier of the described second party of (ii) described transaction and the currency type of (iii) described transaction.
15. methods as claimed in claim 14, wherein, the described metadata be associated with described token comprises the information of at least one in home address identifier and resource identifier, and described address designator and described resource identifier can be used for obtaining at least one in the following: the receipt of the quotation that the details of (i) described transaction, (ii) are associated with described transaction and (iii) described transaction when described transaction is done.
16. methods as claimed in claim 10, also comprise:
The information being used for first party described in certification is sent to described wallet publisher; And
The information be associated with described transaction is sent to described wallet publisher;
Wherein, described wallet publisher has determined the described account of described transaction at least partly based on the certification to described first party and the described information that is associated with described transaction.
17. methods as claimed in claim 16, wherein, described wallet publisher uses the described information and described account that are associated with described transaction to obtain the described mandate of described transaction.
18. methods as claimed in claim 16, wherein, the described information be associated with described transaction is obtained from described token data at least partly.
19. methods as claimed in claim 10, wherein, described wallet publisher uses and can be used for identifying that the information be associated with described mandate is supplied to described token issuer by the described identifier of token issuer and the described value of described token.
20. methods as claimed in claim 10, also comprise:
The information be associated with described transaction comprising described token is sent to described wallet publisher;
Mark is received for completing the information of at least the first applicable account of the described first party of described transaction from described wallet publisher; And
Send at least the first applicable account described in use to described wallet publisher and complete the request of described transaction.
21. methods as claimed in claim 20, also comprise:
The information being used for first party described in certification is sent to described wallet publisher.
22. methods as claimed in claim 10, wherein, described first party is client, and described second party is businessman.
23. methods as claimed in claim 10, wherein, described first party is the first individuality, and described second party is the second individuality.
24. methods as claimed in claim 10, wherein, described token issuer is one in multiple token issuer, and wherein can be used for identifying that the described identifier of described token issuer identifies described token issuer uniquely from described multiple token issuer.
25. 1 kinds of methods for carrying out concluding the business between the first party and the second party of operation the second equipment of operation first equipment, described method comprises:
Use described first equipment to start transaction;
Described second equipment is used to catch the token be associated with described transaction;
One in the multiple trade managing systems be associated with described transaction is determined based on the information be associated with described token; And
Described one that described token and the information that is associated with described token is sent in described multiple trade managing system has been used for described transaction.
26. methods as claimed in claim 25, wherein, the information be associated with described token comprises the information of the communication path of described be identified in described multiple trade managing system.
27. methods as claimed in claim 25, wherein, described one in described multiple trade managing system is LIST SERVER, and described LIST SERVER identifies at least first resource for completing described transaction based on the information be associated with described token.
28. methods as claimed in claim 27, wherein, at least one in address designator and resource identifier for completing described in described transaction at least first resource, described address designator and described resource identifier can be used for obtaining at least one in the following: the details of (i) described transaction, (ii) quotation be associated with described transaction, (iii) receipt of the described transaction when described transaction is done, (iv) the wallet publisher that the wallet publisher be associated with the account of described first party and (v) are associated with the account of described second party.
29. 1 kinds of non-transitory computer-readable medium, described non-transitory computer-readable medium stores instruction, described instruction is applicable to perform to perform the method identifying and participate in the second party of the transaction of described first party by the computer processor of the first equipment be associated with first party, and described method comprises:
Obtain and be used for the token that uses in described transaction, described token comprises and can be used for identifying the information of token issuer and the value of described token; And
Described token is supplied to the second equipment be associated with described second party;
Wherein said second equipment is by the described value of described token and can be used for identifying that the information of described second party is sent to described token issuer.
30. media as claimed in claim 29, wherein, described token also comprises the metadata of at least one in the mark the following be associated with described token: the amount of money of (i) described transaction and the currency type of (ii) described transaction.
31. media as claimed in claim 29, wherein, described token also comprises the metadata of at least one in the home address identifier and resource identifier be associated with described token, and described address designator and described resource identifier can be used for the receipt of quotation that the details of at least one (i) the described transaction obtained in the following, (ii) be associated with described transaction and (iii) described transaction when described transaction is done.
32. 1 kinds, for carrying out the system of concluding the business, comprising:
Communication facilities, described communication facilities receives the information be associated with the request of the transaction starting the first party relating to operation first equipment and the second party operating the second equipment, and the described request that start receives from described first equipment;
Computer processor, described computer processor is used for execution of program instructions; And
Storer, described storer is coupled to described computer processor, and described storer is used for stored program instruction, and described programmed instruction is performed by described computer processor to perform following operation:
Set up the unsettled transaction record be associated with described transaction;
Generate the token data be associated with described unsettled transaction record, described token data comprises the value of identifier and the described token that can be used for identifying described system;
Described token is sent to described first equipment;
The mandate of described transaction is received from least one described second equipment and the equipment that is associated with described second equipment; And
The information be associated with the described mandate of described transaction is sent at least one in described first equipment and described second equipment.
33. is as claimed in claim 32 for carrying out the system of concluding the business, and wherein, described second equipment is mobile device, and the described equipment be associated with described second equipment is the publisher of the wallet on described mobile device.
34. is as claimed in claim 33 for carrying out the system of concluding the business, and wherein, described mandate is obtained after transaction authorization request transmission of messages to payment system by the described publisher of described wallet.
35. is as claimed in claim 34 for carrying out the system of concluding the business, wherein, described transaction authorization request message comprise the account identifying described second party information, identify the information of the amount of money of described transaction and identify the information of described first party.
36. 1 kinds for operating equipment to promote the method for the transaction between first party and second party, described method comprises:
Receive the request for the token used described transaction from the first equipment be associated with described first party, described request comprises the information that can be used for identifying described first party;
There is provided described token to described first equipment, wherein, described token comprises the value of information and the described token that can be used for identifying described equipment; And
Receive from the second equipment be associated with described second party the request participating in described transaction, described request comprises the described value of described token and can be used for identifying the information of described second party; And
The described information that can be used for identifying described first party, the described value of described information and described token that can be used for identifying described second party are associated to promote described transaction.
CN201480006517.XA 2013-01-30 2014-01-30 Transaction token issuing authorities CN105164708A (en)

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WO2014130222A1 (en) 2014-08-28
AU2017204113A1 (en) 2017-07-06
MX2015009820A (en) 2016-06-16
EP2951762A4 (en) 2016-08-10
AU2014219386B2 (en) 2017-03-16
AU2014219386A1 (en) 2015-07-30
BR112016016822A2 (en) 2019-09-24
AU2017204113B2 (en) 2018-07-05
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JP2020030848A (en) 2020-02-27
EP2951762A1 (en) 2015-12-09

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