WO2012068289A1

WO2012068289A1 - System and method for on demand diagnostics of a device utilizing secure data to interact wirelessly with one or more third party systems

Info

Publication number: WO2012068289A1
Application number: PCT/US2011/061048
Authority: WO
Inventors: Michael Craft; David Brudnicki; Hans Reisgies; Andrew Weinstein
Original assignee: Sequent Software Inc.
Priority date: 2010-11-17
Filing date: 2011-11-16
Publication date: 2012-05-24
Also published as: EP2641225A4; EP2641225A1; CA2818533A1

Abstract

Λ system and method for remotely providing an end user with a solution to a failure, in a mobile transaction is disclosed. The system includes a portable, communication device having a diagnostics agent configured to transmit the communication device's unique identification number and present status over a mobile network. The system further includes a retailer subsystem in short proximity communication with the communication device, and a remote, system management back end in wireless communication with both the communication devices and the retailer subsystem. The system management back end has a diagnostics management system configured to receive failure data from the portable communication device, and to determine a solution based on the failure data., The system may also utilize RF presence data from the portable communication device anchor information from a sound beacon associated with the point of sale device,to help in diagnosing the failure. The system also includes a mobile network in communication with the system management back end, via which the solution is wirelessly transmitted to the end: user.

Description

System and Method for On Demand Diagnostics of A Device Utilizing Secure Data to Interact Wirelessly with One or More Third Party Systems

InvenlOr(s):

Michael Craft, Carlsbad, CA - U.S. citizen

David Brudnicki, Duvall, WA - U.S. citizen

Mans Rcisgies, San Jose, CA - ^'U.^'S. citizen

Andrew Weiristein, San Francisco, CA - U.S. citizen

TECHNICAL FIELD

[00011 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.

BACKGROUND

[0002] Wireless transactions using RFID-based proximity cards are fairly common place. For instance, many workers use RFID keycards to gain access to their workplace and, drivers use RFID passes to pay tolls at highwa speeds. 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). In such a wireless transaction, various transactional 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"). ^'Iliis data is collectively referred to as "transaction data." However, 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. [0003) Near Field Communication (NFC) is another technology that uses electromagnetic waves to exchange data. NFC waves arc only transmitted over a short-range (on the order of a few inches) and at high-frequencies. NFC devices are already being used to make payments at point of sale ("PC'S") devices. NFC is an open standard (sec, e.g. ISO/IEC 18092) specifying modulation schemes, coding, transfer speeds and RF interface. There has been wider adoption of NFC.as a communication platform because it provides^; better security for financial transactions and acccss control. Other short distance communication protocols arc known and may gain acceptance

[0004] Regardless of the wireless communication protocol selected, there are; bound to be operational errors; within: the devices on which the protocol is implemented (called "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); within the local host devices; within ariy server-side equipment that must interact with the local host devices (e.g. for. confirmation :or approval); and/or within communications: between the wirelcss wallct, its mobile network and beyond. For instance, 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.

[0005] A problem arises in that no single company is. presently responsible for coordinating the troubleshooting of failed electronic wallet transactions. As such, the consumer may have a difficult time determining which - if any - of the foregoing' potential problems is preventing the desired electronic wallet transaction. Thus, the consumer may stop using the electronic wallet or may not be able to complete a transaction with that particular retailer leading the consumer to try to consummate a similar transaction with a competitor.

[0fl06] A related problem arises in that diagnostic software that can facilitate^;diagnpsis of the problem has not been developed for deployment and use on smartphones or similar devices. [0007] Accordingly, the present invention seeks to provide; one. or mOre^"solutions,to the foregoing problems and related problems as would be understood by those of ordinary skill, in the art having the present specification before them. These and other objects and advantages of the present disclosure will be apparent to those of ordinary skill in the. art having the present; drawings, specifications, and claims before them. It is intended that all such additional systems,- methods, features, and advantages be included within this description, be within the scope of the disclosure, and be protected by the accompanying claims.

SUMMARY OF THE INVENTION

[0008] 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. In another aspect of the invention where RF presence data is available this information may be utilized to assist in diagnostics.

100091 In yet another aspect, the system for remotely, diagnosing a failure in a mobile transaction may further includc a point of sale database ^'configured to In this system, the system management back end may be configured to receive aniaudio identification signal uniquely corresponding to a point of sale device from the. portable;

communication device via the mobile network, to detennineian identity of the point of sale device based on said audio identification information, and^tp diagnose the failure based on the identity of the-point Of sale device.

BRIEF DESCRIPTION OF THE DRAWINGS

[0010] For a better understanding of the present disclosure, non-limiting and non-exhaustive embodiments are described in reference to the following drawings. In the drawings, like reference numerals refer to like parts through all the various figures- unless otherwise specificd. [0011] FIG. la illustrates the operable interconnections between the end user's portable communication device and various subsystems, including the system management back end;

[0012] FIG. lb illustrates the diagnostic agent installed in the end user's portable

communication device 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.

[0013] 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.

[0014] FIG. 3 is. a block diagram illustrating the logical blocks within the system management back end server.

DETAILED DESCRIPTION

[0015] The present invention now will be described more fully hereinafter with reference to the accompanying drawings, which form a part hereof, and which show, by way of illustration, specific exemplary embodiments by which the invention may be practiced. This invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein; rather^ these embodiments are provided so that this disclosure will be thorough and completej and will fully convey the scope of the invention to those skilled in the art. Among other things, the present invention may be embodied as methods or devices.

Accordingly, 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.

[0016] 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. [0017] Below each component of the overall system 100 will be described in greater detail, as will the overall operation and functionality of the claimed system and method.

Portable Communication Devices

[0018] 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; One such portable communication device 101 could be an jPhone, Motorola RAZR.or DROIDi however, the present invention is preferably platform and device independent. For example, 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. For purposes of this disclosure, 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.

[0019] 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

(mvw.nfcforum.org), which provides standard functions like?peer-to-peer data exchange,.reader- writer mode (i.e. harvesting of information from RFID tags)j and eontactless card emulation (per the NFC IP 1 and ISO 1 443 standards) when paired with a secure element 212 on the portable communication device 101 and presented in front of a "eontactless payment reader" (see below at point o sale). As would be understood in the art by those having the present specification, figures, and claims before them, the NFC IP 1 standards arc simply the presently preferred example, which could be exported - in whole or in part - for use in association with any other proximity communication standard. It is further preferred that the portable communication device 101 include an NFC/RFID antenna (conformed to NFC IP 1 and ISO 14443 standards) to enable near-field communications. However, as would be understood in the art NFC/RFID communications may be accomplished without an antenna, albeit over even shorter ranges and potential read problems.

(0.020.) As shown in FIG. I A* 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. Accordingly, 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

device, as would be understood in the art by those having the ..present specification, figur^, and claims before them.

[0021 ) The portable communication device Γ01 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. As is presently understood (without intending to limit the present disclosure thereto) 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. As would be understood in the art by those having the present specification, figures, and claims before them, 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, ΕΤΛ, BSS or the like, to determine the physical location of the portable communication device 101 on the surface of the Earth.

[0022] 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. The portable communication device 101 will also include a device identification memory dedicated to identify the device, such as a SIM card. As is generally understood, SIM cards; contain the unique₇serial 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). As would be understood in the art by those' having the present specification, figures; and claims before, them, 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.

|0023] In the present invention 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". As illustrated in FIG. 2,- it is contemplated that the securc^: transactional subsystem will preferably include a Secure Element 212, similar (if not identical) to that described as part of the

Platform 2.1.X or 2.2 (www.globalplatform:org). 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

|0024| 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. In turn, 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.

Retail Subsystem

[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. By swiping 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. The data is transferred to the reader through the RF interface by the ISO 14443 standard and proprietary payment applications like PayPass and Paywave, which transmit the contactless card data from a card and in the future a mobile device that includes a. Payment Subsystem. [0026] As is well known, 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„other forms of computer-readable media, or any combination thereof. On an interconnected set of LANs, including those based on differing architectures and protocols, a router acts as a link between LANs; enabling messages to be sent from one to another. In addition, 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. Furthermore, 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. information to travel between the retail subsystem 107 and financial services providers of a secure transactional subsystem 105 for the purpose Of validating, authorizing and ultimately capturing. firianeiaLtransactions at the point of salc 108 for payment via the secure transaction subsystem 105.

Secure Transactional Subsystem

(0027) 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. Preferably 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.

System Management Back End

[0028| The system 100 of FIG. 1 A further includes a system management back end 109. As shown in FIG. 1A, 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.

[0029] 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, ΡΓ , telephone number, email/lM address, billing, information, or the like).

[0030] 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. In a preferred approach using VoIP voice channel connectivity, 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. As would be understood by one of ordinary skill in the art having the present specification, drawings and claims before them, other case management systems may be utilized within the. present invention such as. Salesforee (salesforce.com inc> of San Francisco, California) and Novo (Novo Solutions, Inc. of Virginia Beach, Virginia). [0031] 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.

Oh Demand Diagnostics

[0032] s shown in FIG, IB, 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. As shown on the video display 102 of the portable communication device, the resident diagnostic agent (206 in FIG. 2) has launched due to the failed transaction. As would be understood by those of ordinary skill in the art having the present -specification, drawings, and claims. before them, 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

contemplated in the example of FIG. 2 or the opening of a hotel room.

[0033] The resident diagnostic agent 206 is downloaded onto the portable communication device 101 to assist in determining the reasoh(s) for the failed transaction. In the case of a purchase at a physical point of sale 108 using a wireless wallet 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. As is presently understood, 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;

[0034] As shown in FIG. I B, the consumer 104 may initiate. a diagnostic session by manually indicating that a diagnostic session should commence. In particular, PIG. I B shows ; "YES" arid "NO" soft buttons 106 displayed on the touch screen 102 of the illustrated portable

communication device 101. However, as would be understood b those of ordinary skill in the art having the present specification, drawings, and claims before them, consuriier activation may be accomplished using a variety of user interactive techniques, all of which are contemplated by the present invention. If the consumer desires help with respect to the failed transaction, she 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. which store the secure payment device is in)j. date/time, MSISDN, IMSI, UCG ID, Secure Element ID number, Card ID number, battery life status,, device model number, mobile operating, system, firmware version) and/or the system management back end application, and (ii) determine the most- .appropriate channel fOr.transmittirig that data (eg; SMS, MMS, email, HTTP, etc.), preferably in a proprietary format to the system management back end.

[0035] Under certain circumstances- defects or malfunctions in the point of sale device may^? be the cause of the failed transaction. Therefore, it is also desirable for the system management back end 109 to also receive status, identification, location and otocr irifoim

to the point of sale device 108 (referred to as POS data). However, if the point.of sale device; 108 has malfunctioned such that the portable communication device 101 is unable to receive any PQS data from the POS device 108 itself, it is desirable to have, an alternative way to identify known information (e.g., serial number, or make/model) corresponding to the particular POS device. In one implementation, 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. As previously stated, 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.

(0036] However, while many geolocatio transceiy rs:are accurate enough io determine in which store the particular POS device 108 is located, they generally do not have the precision to determine the specific location of the applicable POS device within the store. As a solution, 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.

[0037J One of skill in the art having the specification, figures and claims before them would know that 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.

Alternatively, 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.

[0038] In another embodiment, 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.

10039] In yet another embodiment, 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.

[0040] 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. Where sound beacon 120 is not used (or not working) arid the portable communication device 101 has a camera (as can be gleaned from the model number data sent by the diagnostic device), 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. Upon receipt of the image, 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.

[0042] Once the information that can be gathered ^about the failure event has bcen gathered, 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.

[0043] In one embodiment of the invention, if after carrying out the foregoing proccss(es) the issue remains unresolved, then the person operating the cash register (or.a^: manager, or some other appropriate person employed by the merchant), may be provided with the option of securely sending the available transaction data directly to the applicable financial service provider 105. In this situation, theitransactibh failure is likel ^>to berdue to a malfunction in the NFC/RFID connection. So while the POS device 108 was unable ο 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 via¾^

back end 109). On the other hand, while the portable communication device may not have received the transaction data normally obtained from the POS device 108, the end user will have the applicable bank ID information. In this embodiment, 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. 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. Such an alternative electronic wallet transaction is described in copending U.S. Patent Application No. 61/556,179, entitled "System and Method for Increasing Security in Internet Transactions" filed on November 5, 201 1 , which is fully incorporated into this application by reference,

[0044] In some instances 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. 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. SMS, MMS, HTTP, Secure Sockets, arid email). In an example, where the portable communication device 101 is GSM 3 G. based, there may also be support for simultaneous voice and data sessions available particularly from certain mobile network operators 103. In the case of a CDMA 3G based device, 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. Of course, in the cvent .that communications cannot be opened with the diagnostics agent 206 on the consumer's portable communication device 101, 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.

[0045] The foregoing description and drawings merely explain and illustrate the invention and the invention is not limited thereto. While the specification is described in relation to certain implementation or embodiments, many details are set forth for the purpose of illustration; Thus, the foregoing merely illustrates the principles of the invention.. For example, the invention may have other specific forms without departing from its spirit or essential characteristic. The described arrangements arc illustrative and not restrictive. To those skilled in the art, the invention is susceptible to additional implementations or embodiments and certain of these details described in this application may be varied considerably without departing firom the basic principles of the invention. It will thus be appreciated that those skilled in the art will be able to devise various arrangements which, although not explicitly described or shown herein, embody the principles of the invention and, thus, within, its scope and spirit.

Claims

WHAT IS CLAIMED IS:

1 . A system for remotely providing an. end user with a solution to a failure in a mobile transaction, the^; system comprising::

a system management back end in operable eommunication with a portable communication device; having a unique identification number and a status,

a central diagnostics management system configured to receive the unique identification numbcr, the: status, and failure data from the portable communication device, and to determine a solution based on one or mbreiof the unique^'identificatiori number, the status, and the failure data; wherein

the system management back end is configured to wirelessly communicate the solution to the end user via the mobile network.

2. The system according.to elaim.l wherein the portable communication device further includes a display screen for displaying the solution to the end user.

3. The system according to claim 1 wherein the diagnostics management system further includes a clien device having a graphical user interface for use by a customer care agent.

4. The system according to claim 3 further comprising a vpice.communication channel between the client device and the portable qommunication device for communicating voice information relating to the; failure.

5. The system according to claim 1 wherein the diagnostics management system further comprises a ticket management device configured to decode one or more of the state and the failure data, and to generate a care ticket.

6. The system according.to claim 5 wherein the failure data includes image data.

7. The -system according to claim 5 wherein the failure data includes the unique identification number and the present status.

8. The system according to. claim 1 wherein the portable communication device includes a transceiver in communication with a point of sale device for carrying out the mobile transaction, wherein the transceiver is selected from the group consisting of a near field communication device, a radio-frequency identification device and a Bluetooth device.

9. A method for remotely providingan end user of a portable communication. device with a solution to a failure in a mobile transaction, wherein the portable_;communication device includes a unique identification numberiand a diagnostics agent: configured to transmit the unique identification number and^' a present status of the portable communication device, the method comprising:

receiving failure data from the portable communication device by a remote system management back end;

determining a solution at the remote system managemcntback end based on the failure data; and

transmitting the solution to the end user via a mobile^" network.

10. The method according to claim 9 further comprising establishing a, voice communication channel between the: remote system management.back.crid and the portable communication device for communicating voice information relating to the failure:

1 1. The method of claim 9 further comprising decoding: the failure data.and generating a corresponding care ticket.

12. The method according t claim 1 1 wherein the failure data includes image jdata.

13. Λ system for remotely diagnosing a failure in a mobile transaction, the system comprising:

a system management back end in operable communication with a portable 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 diagnose the failure based on one or more of the unique identification number, the status, and the failure data; and

a point of sale database configured to store-point of sale data; wherein the system management back end is configured to receive an audio identification signal uniquely corresponding to a point of sale device from the portable communication device via the mobile network, to determine an identity of the point of sale device based on said audio identification information, and to diagnose the failure based on the identity of the point of sale device.

14. The system according to claim 13 wherein the portable communication device further includes a display screen for displaying information relating to the failure to the end user.

15. The system according to claim 13 wherein the diagnostics management system further includes a client device having a graphical user interface for use by a customer care agent.

16. The system according to claim 15 further comprising a voice communication channel between the client ^"device and the portable communication device for communicating voice information relating to the failure.

17. The system accordingrto claim 13 wherein the diagnostics management system further comprises a ticket management device configured to decode the failure data and generate a care ticket.

18. The system according to claim 17 wherein the failure data includes image data.

19. The system according to claim 17 wherein the failure data includes the unique identification number and the present status.

20. The system according to claim 13 wherein the portable communication device includes a transceiver in communication with a point of sale: dcvice for carrying out the mobile transaction, wherein the transceiver is selected from the group consisting of a near field communication device, a radio-frequency identification device and a Bluetooth device.

21. A method for remotely diagnosing a failure in a mobile transaction carried out by a portable communication device, wherein the portable communication device includes.a unique identification number and a diagnostics agent configured to; transmit the unique identification number and a present status of .the portable communication device, the method comprising:

receiving failure data-and an audio identification signal uniquely corresponding to a point of sale device, from the portable communication device by a remote system management back end; . .

determining an identity of the point of sale device based on said audio identification information; and

diagnosing the failure based on the identity of the point of sale device.

22. The method according to claim 21 further comprising establishing a voice communication channel between the remote system management back end and the portable communication device for communicating voice information relating to the failure.

23. The method of claim 21 further comprising decoding the failure data and generating a corresponding care ticket.

24. The method according to claim 23 wherein the failure data includes image data.

25. A system for remotely diagnosing a failure in a mobile. transaction, the system comprising:

a system managcmcnt.back end in operable communication with a portable communication device having a unique identification number and a status; and

a central diagnostics management system con fi gured to receive the unique identification number, me status, failure data and RF presence data from the portable communication device, and to diagnose the failure based on one or more of the unique identification number, the status, the failure data and the RJ ^' presence data; wherein

the system management back end is cpnfigured to wireless communicate diagnostic information to theiend user via the. mobile network.

26. 'Ehe system according to claim 25 wherein the; portable communication device further includes a display screen for displaying the diagnostic information to the end user.

27. The system according to claim 25 wherein the diagnostics management system further includes a client device having a graphical user interface for use by. a customer care agent.

28;. The system according to claim 27 further comprising a voice communication channel between the client device and the portable communication device for communicating voice information relating to the failure.

29. The system according to claim 25 wherein the diagnostics, management system further comprises a ticket management device configured to decode one or more of the status, failure data^ and RF presence data, and to generate, a corresponding care ticket.

30. The system according to claim 25 wherein the failure data includes image data.

31. The system according to claim 25 wherein the failure data includes the unique identification number arid the present status.

32. The system according to claim 25 wherein the portable communication device includes a transceiver in communication with a point of sale device for carrying out the mobile transaction, wherein the transceiver is selected from the group consisting of a near field communication device, a radio-frequehcy identification device and a Bluetooth device.

33. A method for remotel diagnosing a failure in a mobile transaction ca^mmed out by a portable communication device, whc ciri the .portable communication device includes a unique identification number and a diagnostics agent configured to. transmit. the unique identification number and a present status of the portable communication device, the method comprising:

receiving one or morc of failure data and RF presence data^ by a remote system management back end;

determining a diagnosis of the failure at the remote system manageriient back end based on the one or more of failure data and RF presence data; and

transmitting diagnostic information to the end user via a mobile network.

34. Tfic method according to claim 33. further comprising establishing a voice communication channel between the remote system management . back end. and the; portable communication device. for communicating voice information relating to the failure.

35. The method of claim 33 further comprising decodingsOne or more of the failure data and; RF presence date, and generating a corresponding care ticket.

36. The method according to claim 35 wherein the failure data includes image data.

37. The method according to claim 33 further comprising transmitting transaction data to a secure transactional subsystem in order to enable the transactional subsystem to provide the end user with a transaction link to carry out the mobile transaction via the internet.