JP2010516000A - 閾値インジケータを含む携帯電話の支払プロセス - Google Patents
閾値インジケータを含む携帯電話の支払プロセス Download PDFInfo
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Abstract
Description
本出願は2007年1月9日出願のWentker等の米国仮特許出願第60/884,212号“Contactless Transaction”(整理番号P−20004PRV)、および2007年1月10日出願のWentker等の米国仮特許出願第60/884,290号“Contactless Transaction”(整理番号P−20004PRV2)の非仮出願であってそれらに優先権を請求するものであり、その全体が本開示の一部としてここに組み入れられている。
本発明は、一般的に、商品やサービスの購入を含む取引等の取引を行う携帯電話に関連しており、特に、このような携帯電話に口座残高警告を与えることに関連している。
本発明の実施例は口座残高が信用限度に近い時または口座残高がゼロまたは最低残高額に近い時に、取引の開始に使用される携帯電話に口座残高の警告を与えることに関連している。消費者が携帯電話に関連する口座(たとえば、クレジットカード口座)を使用して買い物をする時に、本発明の実施例は買い物により口座残高がクレジット口座の場合に予め定められた信用限度内となるか、あるいはデビット口座の場合にゼロまたは最低残高額となるかを確かめるためにチェックする。閾値を超えている場合には、携帯電話に口座残高警告が自動的に送られる。携帯電話が買い物をするために使用されたばかりであれば、残高がクレジット/デビット信用限度に近づいていることが消費者にタイムリーに通知される。このように、本発明の実施例では、取引をするのに使用される装置と残高閾値を超えているかもしれないことを消費者に通知する装置が同じである。
本発明の実施例はクレジット口座の場合に口座に関連する口座残高が信用限度に近い(たとえば、信用限度である)時に、またはデビット口座の場合に口座残高がゼロ(または最低残高)の閾値内である時に、取引を開始するのに使用された携帯電話へ口座残高警告を提供することに関連している。消費者が携帯電話を使用して口座内のクレジットや資金にアクセスし買い物をする時、実施例は買い物により口座残高は設定閾値内とされるかを確かめるためにチェックする。閾値は、好ましくは、消費者により選択される。閾値を超えておれば、口座残高警告メッセージが自動的に携帯電話へ送られる。携帯電話が買い物をするために使用されたばかりであれば、残高がクレジット/デビット信用限度に近づいていることが消費者にタイムリーに通知される。このように、消費者はタイムリーに是正措置をとることができる。
Claims (29)
- 非接触要素を有する携帯電話により開始される取引に対する情報を受信するステップであって、前記非接触要素はアクセス装置内の非接触リーダと相互作用することができ、前記携帯電話は消費者の口座に関連づけられるステップと、
前記消費者の口座に対する口座残高を検索するステップと、
前記取引が完了した後の前記口座残高を計算するステップと、
計算された前記口座残高を口座残高閾値と比較するステップと、
計算された前記口座残高が前記口座残高閾値を超える時に前記携帯電話へ残高警告メッセージを送るステップと、
を含む方法。 - 請求項1記載の方法であって、前記残高警告メッセージはテキスト・メッセージの形をしている方法。
- 請求項1記載の方法であって、前記残高警告メッセージは自動化された電話呼出しの形をしている方法。
- 請求項1記載の方法であって、前記口座はクレジット口座である方法。
- 請求項4記載の方法であって、前記口座残高閾値は前記口座上の信用限度の規定額以内の値であり、前記計算された口座残高が前記規定額よりも大きいことにより前記口座残高閾値を超える方法。
- 請求項1記載の方法であって、前記口座はデビット口座である方法。
- 請求項6記載の方法であって、前記口座残高閾値はゼロよりも大きい規定額であり、前記計算された口座残高が前記規定額よりも下回ることにより前記口座残高閾値を超える方法。
- 請求項1記載の方法であって、さらに、
前記取引するための情報を受信する前に、前記携帯電話から、残高警告メッセージを受信する要求を示しかつ口座残高閾値を含む構成メッセージを受信するステップを含む方法。 - 請求項8記載の方法であって、さらに、
前記携帯電話が前記口座に対する残高警告メッセージを受信するように構成されていることを示す確認メッセージを該携帯電話へ送信するステップを含む方法。 - 請求項1記載の方法であって、さらに、
前記残高警告メッセージを受信すると前記携帯電話上で起動されるアプリケーションを識別する識別子を前記残高警告メッセージ内に含む、ステップを含む方法。 - 請求項1記載の方法であって、前記残高警告メッセージは一意的メッセージ識別子、事業者識別子、現在の口座残高、および利用可能クレジットを含む方法。
- 少なくとも1つのプロセッサと、
前記プロセッサに結合された非接触要素であって、非接触リーダを有するアクセス装置と非接触通信を行うように構成される非接触要素と、
前記プロセッサに結合されたメモリであって、
消費者が残高警告プログラムに登録するための要求を生成するインターフェイスを提供し、
携帯電話に関連する口座に関連する事業者に前記要求を送信する、
よう前記プロセッサを指令するモバイル・アプリケーションを格納するメモリと、
を含む携帯電話。 - 請求項12記載の携帯電話であって、前記非接触要素は取引の開始に使用され、前記モバイル・アプリケーションは、また、
前記取引に関連する残高警告メッセージを受信し、
前記口座に対する口座残高概要を生成し、
前記消費者に概要を表示する、
ように前記プロセッサを指令する携帯電話。 - 請求項12記載の携帯電話であって、前記モバイル・アプリケーションは、また、
登録要求に応答して送られる確認メッセージを受信し、
予め定められた時間量内に前記確認メッセージが受信されなければ、前記要求を再送する、
ようにプロセッサを指令する携帯電話。 - 請求項12記載の携帯電話であって、前記モバイル・アプリケーションは、また、
登録要求に応答して送られる確認メッセージを受信し、
前記確認メッセージが受信される時に、前記確認メッセージ内のデータが前記登録要求内で送られたデータに対応することを検証する、
ように前記プロセッサを指令する携帯電話。 - 請求項15記載の携帯電話であって、前記事業者は発行者であり、前記確認メッセージは一意的メッセージ識別子、発行者識別子、および口座識別子、を含む携帯電話。
- 請求項12記載の携帯電話であって、前記事業者は発行者であり、前記要求は一意的メッセージ識別子、発行者識別子、口座識別子、および口座残高閾値を含む携帯電話。
- 請求項12記載の携帯電話であって、残高警告メッセージが受信される時、前記プロセッサは前記モバイル・アプリケーションを起動させて前記消費者に該メッセージを提供するよう指令される携帯電話。
- 少なくとも1つのプロセッサと、
前記プロセッサに結合された非接触要素であって、非接触リーダを有するアクセス装置と非接触通信を行うように構成される非接触要素と、
前記プロセッサに結合されたメモリであって、
取引に使用される口座に関連する口座情報を、該取引中に前記非接触要素を介してアクセス装置へ送り、
残高警告メッセージを受信し、
前記口座に関連しかつ携帯電話のユーザに前記残高警告メッセージを提供するアプリケーションを起動させる、
よう前記プロセッサを指令する命令を格納するメモリと、
を含む携帯電話。 - 請求項19記載の携帯電話であって、前記メモリは、さらに、
前記口座に関連する前記残高警告メッセージ内の識別子を決定し、
前記識別子を使用して特定口座アプリケーションを起動させる、
よう前記プロセッサを指令する命令を格納する携帯電話。 - 請求項20記載の携帯電話であって、前記メモリは異なる口座に関連する少なくとも1つの追加アプリケーションを格納する携帯電話。
- 消費者により携帯電話との取引を開始するステップであって、該取引に関連する情報が、消費者に関連しかつ該携帯電話に関連する口座に関連する事業者に送られるステップと、
前記取引に関連する額により前記口座の残高が口座残高閾値を超える時に前記携帯電話を介して残高警告メッセージを受信するステップと、
を含む方法。 - 請求項22記載の方法であって、前記携帯電話上のアプリケーションが前記消費者に前記残高警告メッセージを提供し、前記アプリケーションは前記口座に特定のものである方法。
- 請求項23記載の方法であって、前記携帯電話は前記残高警告メッセージ内にありかつ特定口座のアプリケーションを起動させる前記口座に関連する識別子を決定する方法。
- 請求項22記載の方法であって、さらに、
前記携帯電話のモバイル・アプリケーション内に、前記発行者の残高変更プログラムに登録される要求を生成するステップと、
前記登録を確認するメッセージを受信するステップと、
を含む方法。 - 請求項22記載の方法であって、前記モバイル・アプリケーションは確認メッセージを受信して前記消費者に表示するステップを含む方法。
- 消費者の携帯電話に関連する口座に対する情報を格納するデータベースを含むデータベース・サーバと、
前記携帯電話により行われる取引から取引情報を受信するように構成され、かつ前記データベース・サーバと通信可能に連結される残高警告サーバであって、前記取引の額により前記口座の残高が口座残高閾値を超える時に前記携帯電話に残高警告を送るように構成される残高警告サーバと、
とを含むシステム。 - 請求項27記載のシステムであって、さらに、
前記携帯電話から登録要求を受信するように構成される残高警告登録サーバと、
データベース内の口座情報が更新されて前記携帯電話に残高警告が送られるように構成される登録アプリケーション・サーバと、
を含むシステム。 - 請求項28記載のシステムであって、前記残高警告登録サーバは前記口座の情報が更新された後で前記携帯電話に確認メッセージを送るように構成されるシステム。
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JP2009545663A Active JP5301463B2 (ja) | 2007-01-09 | 2008-01-09 | 閾値インジケータを含む携帯電話の支払プロセス |
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