Classifications

• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q30/00—Commerce
  • G06Q30/06—Buying, selling or leasing transactions
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/08—Payment architectures
  • G06Q20/20—Point-of-sale [POS] network systems
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
  • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
  • G06Q20/327—Short range or proximity payments by means of M-devices
  • G06Q20/3278—RFID or NFC payments by means of M-devices
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
  • G07G3/00—Alarm indicators, e.g. bells
  • G07G3/006—False operation

Definitions

• The.present invention relates generally to the use of secure data to complete a wireless transaction, and more particularly to a 'system and method for diagnosing problems with a device utilizing such secure data to interact with a third party system including the interconnection between the device and system.
• RFID which stands for radio-frequency identification, uses electromagnetic waves to exchange. data be ⁇ een a terminal arid-some object ; for the purpose of identification. More recently, companies have.been trying to use RFIDs supported by cellular telephones to implement an electronic payment product (i.e: credit and/Or debit card).
• transaction data is required to be transmitted by and among variousiscrvcrs, entities, etc, including amount of the transaction, a unique transaction identification number ("transaction ID”), a unique retailer identification number (“retailer- ID”), retailer business category (e.g.,.retail, restaurant, entertainment, travel, electronics; etc), arid an encrypted card identification number corresponding to the user's credit card or other banking account identification (“bank ID”).
• transaction ID unique transaction identification number
• retailer- ID unique retailer identification number
• retailer business category e.g.,.retail, restaurant, entertainment, travel, electronics; etc
• bank ID e.g.retail, restaurant, entertainment, travel, electronics
• ' Iliis data is collectively referred to as "transaction data.”
• transaction data e.g., basic RFID technology raises a number of security concerns that, have prompted modifications of the basic technology; Still, wide spread adoption, of RFID as a mechanism for electronic payments has been slow.
• NFC Near Field Communication
• PC'S point of sale
• NFC is an open standard (sec, e.g. ISO/IEC 18092) specifying modulation schemes, coding, transfer speeds and RF interface.
• wireless wallets In the present specification
• communications between the wjreless wallet and local host devices e.g. point of sale.terminals, keycard access control terminals
• local host devices e.g. point of sale.terminals, keycard access control terminals
• local host devices e.g. point of sale.terminals, keycard access control terminals
• server-side equipment e.g. for. confirmation :or approval
• a consumer may have trouble completin a purchase using- the "credit card" embedded in his smartphone in a big-bpxvretail store at the point of sale;becausc of one or more problems with (1) the NFC connection between the consumer' s phone and' the , point of sale device; (2) the secure data is corrupt oh the consumer 's smartphone ; (3) the consumer's electronic wallet account has been disabled by the card issuer; (4) the point of sale device has outdated NFC communication so ftware; etc.
• the invention is, in part, a system for remotely providing an end user with a solution to a failure in a mobile transaction.
• the system includes a system management back end in operable communication -.with ⁇ a ⁇ prtable /communication device having a unique identification number and a status, a central diagnostics management system configured to receive the unique identification number, the status, and failure data from the portable communication device, and to determine a solution based on one or more: of the, unique identification number, the status, and the failure data; wherein the system management back end is configured to wifelessly communicate the solution to the end user via the mobile network.
• RF presence data this information may be utilized to assist in diagnostics.
• system for remotely, diagnosing a failure in a mobile transaction may further includedc a point of sale database ' configured to
• the system management back end may be configured to receive aniaudio identification signal uniquely corresponding to a point of sale device from the. portable;
• FIG. la illustrates the operable interconnections between the end user's portable communication device and various subsystems, including the system management back end;
• FIG. lb illustrates the diagnostic agent installed in the end user's portable
• FIG. 2 is a block-diagram illustrating some of the logical blocks within a portable; communication device that may be relevant to the present system.
• FIG. 3 is. a block diagram illustrating the logical blocks within the system management back end server.
• the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects.
• the following detailed description is, therefore, not to be taken in a limiting sense.
• FIG. 1 A illustrates the overall system 100. in accordance with one embodiment of the invention, showing operable interconnections between an end user's portable. communication device 101 and various subsystems, including a system management back end 109.
• FIG. I B illustrates one example implementation of an aspect of the system 100 in use, showing a diagnostic agent installed in the end user's portable communication device 101 asking whether she would like diagnostics performed following a failed attempt to use her device to conduct a secure payment transaction at a point.of sale 108.
• FIG. 1 A illustrates the overall system 100. in accordance with one embodiment of the invention, showing operable interconnections between an end user's portable. communication device 101 and various subsystems, including a system management back end 109.
• FIG. I B illustrates one example implementation of an aspect of the system 100 in use, showing a diagnostic agent installed in the end user's portable communication device 101 asking whether she would like diagnostics performed following a failed attempt to use her device to conduct a secure payment transaction at a point.of sale 108.
• the present invention provides a system and method that can be utilized with a variety of different portable communication devices 101 , including but not limited to PDA's, cellular phones, smart phones, laptops, tablet computers, and other mobile devices that include cellular voice and data service as well as preferable access to consumer downloadable applications;
• portable communication device 101 could be an jPhone, Motorola RAZR.or DROIDi however, the present invention is preferably platform and device independent.
• the portable communicatiori deviee. technology platform may be Microsoft Windows Mobile, Microsoft Windows Phone 7, Palm OS, RIM Blackberry OS,. Apple OS, Android OS, Symbian, Java or any other technology platform.
• the present invention has been generally described in accordance with features and intcrfaces'that aire optimized for a smart phone utilizing a generalized platform, although one skilled in -the art would understand that all-such features and interfaces may also be used and adapted for any other platform and/or device.
• FIG. 2 is a block diagram illustrating some of the logical blocks vyithin a portable communication device in accordance with a embodiment of. the present system 100.
• the portable communication device 101 includes one or more short proximity electromagnetic communication devices, such as an NFC, RFID, or Bluetooth transceiver. It is presently preferred to use an NFC baseband ' 214 that is : ⁇ Compliant ⁇ with NFC IP 1 standards
• the portable communication device 101 include an NFC/RFID antenna (conformed to NFC IP 1 and ISO 14443 standards) to enable near-field communications.
• NFC/RFID communications may be accomplished without an antenna, albeit over even shorter ranges and potential read problems.
• the portable communication device 101 also includes a mobile network interface 1 1 1 to establish and manage wireless communications with a.mpbile network operator 103.
• the mobile network interface uses one or more communication protocols and technologies including, but not limited to, global system for mobile communication (GSM), 3G, 4G, code division multiple-access (CDMA), time division multiple access (TD A), user datagram protocol (UDP), transmission control protocol/Internet protocol (TCP/IP), SMS, general packet radio service (GPRS), WAP, ultra.wide band (UWB), IEEE 802.16 Worldwide Interoperability for Microwave Access (WiMax), SIP/RTP, or any of a variety of other wireless communicatibh protocols to communicate with the mobile network of a mobile network operator.
• GSM global system for mobile communication
• 3G, 4G code division multiple-access
• TD A time division multiple access
• UDP user datagram protocol
• TCP/IP transmission control protocol/Internet protocol
• SMS general packet radio service
• WAP ultra.wide band
• WiMax IEEE 802.16 Worldwide
• the mobile network interface may include as : a ⁇ device, 6r network interface card (NIG ⁇ . It is contemplated that the mobile.netw.ork interface.il 1 and, shortproxiniity electromagnetic communication device could share a trarisceivcr OT
• the portable communication device ⁇ 01 turther includes a user interface 102 (see FIG. IB) that provides some means for the consumer 104 to receive, information as. well as to input information or otherwise respond to the received information.
• this user interface may include a microphone, an audio speaker, a haptic interface, a graphical display, ⁇ and a keypad, keyboard, pointing device and/or touch screen.
• the portable communication device 10.1 may further include a location transceiver that can determine the physical coordinates of device; on the surface of the Earth typically as a function of its latitude, longitude and altitude.
• This location transceiver preferably uses GPS technology, so it may be. referred to herein as a GPS transceiver, however ⁇ it should be understood that the location transceiver can additionally (or alternatively) employ other ged-positioning.mechanismSj including, but not limited to, triangulation, assisted GPS (AGPS), E-OTD, CI, SAI, ⁇ , BSS or the like, to determine the physical location of the portable communication device 101 on the surface of the Earth.
• AGPS assisted GPS
• E-OTD E-OTD
• CI CI
• SAI Sessisted State Information
• the portable communication device 101 will, as is well known, also include a microprocessor and mass memory.
• the mass memory- may. include ROM, RAM as well as one, or more removable memory cards.
• the mass memory provides storage for computer readable instructions and other data, including a basic input output system ("BIOS") and an operating system for controlling the. operation of the portable communication device 101.
• BIOS basic input output system
• the portable communication device 101 will also include a device identification memory dedicated to identify the device, such as a SIM card.
• SIM cards contain the unique 7 serial number of the device (ESN), an internationally unique number of the mobile user (IMSI), security authentication and ciphering information, temporary information related to the local network, a list of the services the; user has access to and two passwords (PIN for usual use.and PUK for unlocking).
• ESN unique 7 serial number of the device
• IMSI internationally unique number of the mobile user
• PIN password for usual use.and PUK for unlocking
• other irtfprmafion . . . may be : maintained in.the device identification.mcmory-dcpending upon the type of device, its primary network type, home mobile network operator, etc.
• each portable communication device; 101 is thought to have two subsystems: (1) a "wifeless subsystem” that enables communication and ' other data applications as; has become commonplace with users of cellular telephones today, and (2) the "secure .transactional subsystem” which may also be: known as the "payment subsystem”.
• the securc : transactional subsystem will preferably include a Secure Element 212, similar (if not identical) to that described as part of the
• the secure element 212 has been implemented as a specialized, separate physical memory used for industry common .practice of storing payment, card track data used with industry common point of sale; additionally; other secure credentials that can be stored in the secure element include employment badge credentials (enterprise access controls), hotel and other card-based access systems and transit credentials.
• Mobile Network Operator
• Each of the portable communications devices 101 is connected to at least one mobile network operator 103.
• the mobile network operator 103 generally provides physical infrastructure that supports the wireless communication services, data applications and the secure transactional subsystem via a plurality of cell towers mat communicate with a plurality of portable communication devices 101 within each cell tower's associated cell.
• the cell towers may be in operable communication with the logical network of the mobile network operator 103, POTS, and the Internet to convey the communications and data within the mobile network operator's own logical network as well as to external networks, including those of other mobile network operators 103.
• the mobile network operators 103' generally provide support for one or more communication protocols and technologies including, but not limited to, global system for mobile communication (GSM), 3G, 4G, code division multiple access (CDMA),, time division multiple access (TDMA), user datagram protocol (UDP),- transmission control protocol/Internet protocol (TCP/IP), SMS, general packet radio service (GPRS), WAP, ultra wide band (IJWB), IEEE 802.16 Worldvvide Interoperability for Microwave Access (WiMax), SIP/RTP, o any of a variety of other wireless communication protocols to communicate with the portable communication devices.
• GSM global system for mobile communication
• CDMA code division multiple access
• TDMA time division multiple access
• UDP user datagram protocol
• TCP/IP transmission control protocol/Internet protocol
• SMS general packet radio service
• GPRS general packet radio service
• WAP ultra wide band
• IJWB ultra wide band
• SIP/RTP o any of
• [00251 Standard at merchants today is an Internet Protocol connected payment system that allows for transaction processing of debit, credit, prepay and gift products of banks and merchant service providers, referred to herein as a "retail subsystem" 107.
• a magnetic stripe enabled card at the magnetic reader of a Point of Sale Terniinal (also referred to as a point of sale device or generally as point of sale equipment) 108
• the card data is transferred to the point of sale equipment 108 and used to confirm funds by the issuing bank.
• This point of sale equipment 108 of the retail subsystem 108 has begun to include contactless card readers as accessories that allow for the payment card data to be presented over an RF interface, in lieu of the magnetic reader.
• a retailer's pointof sale device 108 may be connected to a network via a wireless or wired connection.
• This point of sale network may include the Internet in addition, to local area networks (LANs), wide area networks (WANs),, direct connections, such as through a universal serial bus (USB) port increments of computer-readable media, or any combination thereof.
• LANs local area networks
• WANs wide area networks
• USB universal serial bus
• a router acts as a link between LANs; enabling messages to be sent from one to another.
• conimunication links within LANs typically include, twisted wire pair or coaxial cable, while communication links between networks may utilize analog telephone lines, full or fractional dedicated digital lines including Tl , T2, T3, and T4, Integrated. Services-Digital Networks (ISDNs), Digital Subscriber Lines (DSLs), wireless. links. including satellite links, or other communications links known to those skilled in the art.
• ISDNs Services-Digital Networks
• DSLs Digital Subscriber Lines
• wireless links including satellite links, or other communications links known to those skilled in the art.
• remote computers and other related electronic devices could be remotely connected to either LANs or WANs via a modem and temporary telephone, link. In essence, any communication method may be used that allows.
• the system includes a secure transactional subsystem 105 made up of one or more financial services providers.
• the secure transactional subsystem 105 includes secure elements and associated device software for communication to management. and provisioning systems as well as the customer, facing interfaces for use: and .management of secure data 210 stored in the secure elements of the customer' s portable communication, device 101.
• the secure transactional subsystem 105 will conform, where appropriate, to an international standard, such as the standard defined in Global Platform 2.1.X or 2.2.
• the system 100 of FIG. 1 A further includes a system management back end 109.
• the system management . back end 109 is connected to the retail subsystem 107, the secure transactional subsystem 105 and to a plurality of portable communication devices 101 via the infrastructure of at least one mobile network operator 103.
• the system management back end 109 has a server (300 in FIG. 3) Operably communicating with one or more client devices (302-316 in FIG. 3),
• the server which is shown in greater detail in FIG. 3, is also in operable communication with the retailer subsystem 107, secure transactional subsystem 105, and one or more portable communication devices 101.
• the communications include data and voice channels. Any type; of voice channel may be used in association with the present invention, including but not limited to VoIP.
• the server 300 may comprise one or more generalrpurpose computers; that implement the procedures and functions needed to run the system back office- in serial or in parallel on the same computer or across a local or w de area network distributed on a plurality of computers and may even be located "in the cloud" (subject to the provision of sufficient security).
• the computcr(s) comprisin the server may be controlled by Linux, Windows®, Windows CF., Unix, or a Java® based operating system, to name a few.
• the system management back end server 109 is operably associated with mass memory that stores program code and data.
• Data. may include one or more databases,, text; spreadsheet, folder, file, or the like that may be configured to maintain and store a knowledge base, user identifiers (ESN, IMSI, ⁇ , telephone number, email/lM address, billing, information, or the like).
• ESN user identifiers
• IMSI user identifiers
• ⁇ telephone number
• email/lM address billing, information, or the like.
• the system management back end server 300 supports a eare and diagnostics management system 320 to provide call traffic connectivity and distribution across the client devices 302r316 in the customer care center.
• the care and (.diagnostics management systena 320 is a contact/case management system distributed by Contactual Inc. of Redwood City, California.
• the Contactual Inc. system is a standard CRM system for a VoIP-based customer care call center that also provides flexibility to handle care issues with simultaneous payments and cellular-related care concerns.
• other case management systems may be utilized within the. present invention such as.
• Each client computer 302-316 associated with the system management back end 109 server has a network interface device, graphical user interface,. and voice communication capabilities that match the voice channel(s) supported by the client care center server, such as VoIP.
• Each client computer can request status of both the cellular and secure transactional subsystems of a portable communication device. This status may include the contents of the soft memory and core performance of portable communication device, the, NFC components-:
• baseband NFC antenna, secure element status and identification.
• the consumer 104 has a portable communication device 101 enabled with a secure payment subsystem and has made or has tried to make a payment at a physical retailer's Point of Sale device 108 (described above), which has failed.
• the resident diagnostic agent (206 in FIG. 2) has launched due to the failed transaction.
• the: use or the failed use of a secure subsystem ih a portable communication device may similarly occur (and be similarly diagnosed) in a variety of other transactional settings, including but not limited to, loyalty transaction, hotel key card provisioning, transit ticket, or any other environment similar to the point of sale described above that has a reader that initiates a secure data transfer between a third party subsystem requiring information from the portable communication device toward securing approval of a next step ⁇ such as the purchase
• the resident diagnostic agent 206 is downloaded onto the portable communication device 101 to assist in determining the reasoh(s) for the failed transaction.
• the failure may be caused by problems with the retail subsystem, the financial service subsystem, a physical problem with the portable communication device or the RF link established between the portable communication device and the point of sale device or the link established between the portable communication device and the mobile network operator.
• the retailer, the financial service provider (e.g. card issuer) and mobile network operator are usually three different entities and in some cases those entities may be in direct competition with one another for all or part of a consumer's business. As a result, the entities arc unablc to cooperate sufficiently to rectify problems with any individual transaction, especially in real time;
• the consumer 104 may initiate. a diagnostic session by manually indicating that a diagnostic session should commence.
• PIG. I B shows ; "YES” arid “NO” soft buttons 106 displayed on the touch screen 102 of the illustrated portable
• consuriier activation may be accomplished using a variety of user interactive techniques, all of which are contemplated by the present invention.
• the consumer may activate the local diagnostics agent 206 by opening a "help" screen from the diagnostics agent . 206.
• the consumer may select a "Help Me” function, prompting the diagnostics agent, 206 to (i) gather arid encrypt the error condition/code as well as status information -from the secure payment subsystem, the wireless subsystem (e.g. the cun ⁇ ent geb-coordinatesiof ' the portable communication device (i.e.
• the point of sale device 108 (referred to as POS data).
• POS data point of sale data
• the system management back end; 109 may further include a point.of sale, database (322. in FIG. 3.) that stores the POS data for each point-of service device 108 in the system's network.
• the portable communication device 101 may include a location transceiver (e.g., GPS) that can determine the physical coordinates of device on the surface of the Earth typically as a function of its latitude, longitude and altitude. Once the physical coordinates of the device 101 are known, the system can determine the location of the faulty point; of sale-device 108 as well, and once this location known, the system management back end 109 may look up the other POS ; data r ;in the pointiof saleidatabasc322.
• a location transceiver e.g., GPS
• each POS device at a given location may be provided with a sounci beacon (120 in FIG. 1 B): " that erhits a sound wave outside of human hearing capabilities that is at least unique to that POS device within the store (and perhaps even unique to the particular POS device globally).
• the microphone of a portable communication device 101 may detect the sound waves and transmit an audio; identification signal uniquely corresponding to the particular POS device within the retai 1 establishment, to the system management back end 109 along with an other fai lure data detected or obtained by the communication device 101 , which may then be used by the care and diagnostics system 320 to determine the. failure and prbvide a solution, as explained herein.
• the sound beacon 120 may be connected to the POS device 108 via a USB or other connection so that the sound beacon 120 may draw power from the POS device 108.
• the sound beacon 120 may bp a standalone, deyice haying its own power source. It will also be understood by one of. ordinary skill in the art that the sound beacon 120-may be replaced with some/other unique signal generator. For example, different light-waves may correspond to di ferent POS devices 108, and the: communication device may delect the light frequency using a built-in image detector.
• the. system may simply ask the end user to manually provide an identification for the particular POS device 108 involved in the failed transaction, such : as by phone, email or SMS text. Because asking a user to manually provide this information may be burdensome or cause the end user to incur additional phone charges, many users may elect ,to ignore the request for additional information. This is undesirable both for the retailer as well as the system operator. Therefore ⁇ the retailer or operator of the system may elect to provide rewards, coupons. or other promotions in exchange for the end user providing such information and/or feedback relating to the failed transaction.
• the POS device 108 may include an RF transmitter that transmits an RF signal when the device 108 is functional.
• Man NFC baseband transceiver 214 today include a radio-frequency (RF) field detection unit 216 to detect the presence of an RF signal. If an RF signal is present, the failure is less likely to reside with the POS device 108, and conversely if the RF signal is not present, the failure is likely due to a defect or malfunction in the POS device, The presence or absence of an RF signal at the POS device 108 (referred to as "RF presence data") ma be included with the failure data sent to the care and diagnosis; system 320. " Whic ' would decode and analyze the data, and then determine if the transaction failure is likely due to a defect or malfunction in the POS device. This determination may even be done; pre-emptively, before the user even requests assistance.
• RF presence data The presence or absence of an RF signal at the POS device 108
• the system management back end 109 Upon receipt of the data into the care and diagnostics system 320 of the system management back end 109,.the system generates an "Event Record”. The care and diagnostics system 320 decodes arid automatically uses the received data to generate ⁇ via a ticket management client device 3.08 a new "Care Ticket". Preferably, the system management back end 109 will send the consumer 104 on the portable communication device 101 , via the most appropriate communication channel, the estimated time before a "Care Agent" will call the consumer and/or recommend self-help resolutions.
• the system may also prompt the consumer via a message to take an image of the point of sale device using the on-device camera-. It is preferred for the diagnostics agent 206 to automatically select the best on-device carncra settings to capture and transmit the image via the most appropriate channel.
• the system may add the image to the "Care Ticket" that.has already been established by the ticket management device 308 for the event, and/or utilize pie-saved Point of Sale imagery to compare and auto-recogriize the point of sale where the transaction was made or attempted by the consumer.
• the /care and diagnostics platform 320 of the system management back end 109 also obtains data from the secure payment subsystem 105, mobile network operator subsystem 103, and the retailer subsystem 107 regarding the failed secure transaction. [0041 ) After the diagnostic agent 206 automatically contacts the system management back end 109, the consumer may also contact the system management back end 109 via the communication channel on their portable communication device 101 . Because the diagnostic agent 206 sent information regarding the portable communication device 101 , the; system will preferably be able to automatically correlate the open Care Ticket ' gencrated by the ticket management device 308 with the portable communication device 101.
• a human care agent would review the care ticket via the care management software and eontact the consumer on her portable communication device 101. Once contact is established, the human care agent will guide the consumer through the deductive resolution process using the information received in conjunction with the system management hack end knowledge database 306. The deductive resolution process continues between the care agent and the consumer until the issue is resolved. Upon resolution of the issue, the, Care Ticket as well as a Knowledge Library generated by the knowledge database 306 are updated based on the information gathered in this call.
• the person operating the cash register may be provided with the option of securely sending the available transaction data directly to the applicable financial service provider 105.
• theitransactibh failure is likel > to berdue to a malfunction in the NFC/RFID connection. So while the POS device 108 was unable ⁇ obtain the bank ID from the portable communication device 101 , thc.retailer will likely have . the other relevant transaction data (i.e., transaction amount, retailer ID and transaction ID), and can send that available data to the secure transactional subsystem 105 (cither directly or indirectly via3 ⁇ 4 ⁇
• the end user will have the applicable bank ID information.
• the end user can send his or her bank ID information via the portable communication device .101. to financial service provider ia an SMS text message, an email message, through a web browser, or otherwise via the internet.
• financial service provider 105 Once the financial service provider 105 has received the required data from, both the retailer and from the end user, it may then send a transaction link back to the end user, allowing the end user to carry out an alternative electronic wallet transaction that does not require a functioning NFC (or FID as applicable) connection between the portable communication device 101 and the point of sale device 108.
• NFC or FID as applicable
• the consumer may initiate a help session via a voice call by dialing a care help number-without first initiating the diagnostics agent 206. Perhaps the consumer wants to speak with a live agent first or perhaps the consumer is not comfortable using the diagnostic, agent 206.
• the call may directly connect or be rerouted to a live agent via the system.
• the.system Upon receipt of thc;eall into the care and. diagnostics platform 320, the.system generates an "Event Record" and "Care Ticket".- Based on the caller identification number associated with the telephone call, the system management back end 109 would then initiate communications with the diagnostics agent 206 installed oh the consumer's portable communication device 101 using the appropriate communication channel (e.g. e.g.
• the portable communication device 101 is GSM 3 G. based
• the users could reeeive a message while they are in voice session since simultaneous voice and data sessions arc not supported (Verizon).
• the diagnostic agent 206 will gather the same information described in the foregoing paragraph for use in the system management back end 109 in diagnosing the failure.
• the care agent may direct the consumer to open the diagnostic agent manually and/or navigate to the "Help" screen of the diagnostic agent and select the "Help Me” function-manually, which should result, in the gathering and transmission of data to the system management back end 109, as discussed above.
• the call would follow along much the same lines as the call initiated by the diagnostic agent 206.

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