U.S. patent application number 14/293864 was filed with the patent office on 2015-12-03 for systems and methods for provisioning transaction data to mobile communications devices.
This patent application is currently assigned to American Express Travel Related Services Company, Inc.. The applicant listed for this patent is American Express Travel Related Services Company, Inc.. Invention is credited to Sandeep K. Asokan, Michael J. Bailey, Joe Buselmeier, Manish K. Deliwala, Chintan Mehta, Keshav A. Narsipur, Manoj K. Thulaseedharan Pillai.
Application Number | 20150348024 14/293864 |
Document ID | / |
Family ID | 54702263 |
Filed Date | 2015-12-03 |
United States Patent
Application |
20150348024 |
Kind Code |
A1 |
Asokan; Sandeep K. ; et
al. |
December 3, 2015 |
SYSTEMS AND METHODS FOR PROVISIONING TRANSACTION DATA TO MOBILE
COMMUNICATIONS DEVICES
Abstract
The system comprises approving a credit application during a
single http session, transmitting an encoded secure token to a
web-client participating in the http session, receiving from the
mobile communications device the secure token, and transmitting the
transaction account data to the mobile communications device, in
response to the receiving the secure token. The system may further
comprise the mobile communications device decoding the secure
token.
Inventors: |
Asokan; Sandeep K.;
(Phoenix, AZ) ; Bailey; Michael J.; (Peoria,
AZ) ; Buselmeier; Joe; (Phoenix, AZ) ;
Deliwala; Manish K.; (Chandler, AZ) ; Mehta;
Chintan; (Peoria, AZ) ; Narsipur; Keshav A.;
(Chandler, AZ) ; Thulaseedharan Pillai; Manoj K.;
(Phoenix, AZ) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
American Express Travel Related Services Company, Inc. |
New York |
NY |
US |
|
|
Assignee: |
American Express Travel Related
Services Company, Inc.
New York
NY
|
Family ID: |
54702263 |
Appl. No.: |
14/293864 |
Filed: |
June 2, 2014 |
Current U.S.
Class: |
705/76 |
Current CPC
Class: |
G06Q 20/3272 20130101;
G06Q 2220/00 20130101; G06Q 20/3274 20130101; G06Q 20/425 20130101;
G06Q 20/3276 20130101; G06Q 20/36 20130101; G06Q 20/3552 20130101;
G06Q 20/3821 20130101 |
International
Class: |
G06Q 20/38 20060101
G06Q020/38; G06Q 20/32 20060101 G06Q020/32 |
Claims
1. A method comprising: transmitting, by a transaction account
computer-based system, an encoded secure token to a web-client, in
response to approving a credit application, wherein the credit
application is submitted during an http session; receiving, by the
computer-based system and from a mobile communications device, a
secure token, wherein the encoded secure token is decoded to obtain
the secure token; and transmitting, by the computer-based system,
the transaction account data to the mobile communications device,
in response to the receiving the secure token.
2. The method of claim 1, further comprising receiving, by the
computer-based system, the secure token decoded by the mobile
communications device.
3. The method of claim 1, further comprising encoding, by the
computer-based system, the secure token for transmission to the
web-client.
4. The method of claim 1, further comprising validating, by the
computer-based system, the secure token received from the mobile
communications device.
5. The method of claim 1, further comprising comparing, by the
computer-based system, the secure token received from the mobile
communications device to the secure token transmitted to the
web-client to validate the mobile communications device.
6. The method of claim 4, further comprising transmitting, by the
computer-based system, the transaction account data to the mobile
communications device, in response to the validating the mobile
communications device.
7. The method of claim 1, wherein the mobile communications device
is configured to store the transaction account data for
presentation to a point of sale terminal during a transaction
request.
8. The method of claim 1, wherein the encoded secure token is in a
QR code.
9. The method of claim 1, wherein the mobile communications device
scans the encoded secure token.
10. The method of claim 1, wherein the mobile communications device
decodes the encoded secure token to create the secure token.
11. The method of claim 1, wherein the web-client participates in
the http session and submits the credit application.
12. A method comprising: acquiring, by a mobile communications
device, an encoded secure token; decoding, by the mobile
communications device, the encoded secure token to obtain a secure
token; transmitting, by the mobile communications device, the
secure token to a transaction account issuer system; receiving, by
the mobile communications device, transaction account information
to facilitate conducting a contactless payment transaction, in
response to the transmitting.
13. The method of claim 12, wherein the encoded secure token is
obtained in response to a credit application approval, wherein the
credit application is submitted during an http session.
14. The method of claim 12, wherein the secure token is validated
by the transaction account issuer system.
15. A system comprising: a tangible, non-transitory memory
communicating with a transaction account processor, the tangible,
non-transitory memory having instructions stored thereon that, in
response to execution by the processor, cause the processor to
perform operations; a transmission module in communication with the
processor and configured to transmit an encoded secure token to a
web-client, in response to approving a credit application, wherein
the credit application is submitted during an http session; a
receiving module in communication with the processor and configured
to receive, from a mobile communications device, a secure token,
wherein the encoded secure token is decoded to obtain the secure
token; and the transmission module further configured to transmit
the transaction account data to the mobile communications device,
in response to the receiving the secure token.
16. The system of claim 15, wherein the receiving module is further
configured to receive the secure token decoded by the mobile
communications device.
17. The system of claim 15, further comprising an encoding module
in communication with the processor and configured to encode the
secure token for display by the web-client.
18. The system of claim 15, further comprising a validation module
in communication with the processor and configured to validate the
secure token received from the mobile communications device.
19. The system of claim 15, further comprising a comparison module
in communication with the processor and configured to compare the
secure token received from the mobile communications device to the
secure token transmitted to the web-client to validate the mobile
communications device.
20. The system of claim 15, wherein the mobile communications
device is configured to store the transaction account data for
presentation to a point of sale terminal during a transaction
request.
Description
FIELD
[0001] The present disclosure generally relates to providing
transaction data to a mobile device, and more particularly to
approving and providing transaction data to a mobile device during
a single http session.
BACKGROUND
[0002] Typically, consumers applying for credit have had to wait
for approval. If approved, consumers also needed to wait for a
transaction instrument (e.g., a credit card) to arrive in the mail.
Systems and methods which would facilitate and expedite the
approval and distribution processes are therefore desirable.
SUMMARY
[0003] A method comprising approving, by a computer-based system
configured to provide transaction account data to a mobile
communications device, a credit application during an http session,
transmitting, by the computer-based system, an encoded secure token
to a web-client participating in the single http session,
receiving, by the computer-based system and from the mobile
communications device, the secure token, and/or transmitting, by
the computer-based system, the transaction account data to the
mobile communications device in response to the receiving the
secure token. The method may further comprise receiving, by the
computer-based system, the secure token decoded by the mobile
communications device. The method may further comprise encoding, by
the computer-based system, the secure token for display by the
web-client. The method may further comprise validating, by the
computer-based system, the secure token received from the mobile
communications device. The method may further comprise comparing,
by the computer-based system, the secure token received from the
mobile communications device to the secure token transmitted to the
web-client to validate the mobile communications device. The method
may further comprise transmitting, by the computer-based system,
the transaction account data to the mobile communications device in
response to the validating the mobile communications device. In
various embodiments, the mobile communications device may be
configured to store the transaction account data for presentation
to a point of sale terminal during a transaction request.
BRIEF DESCRIPTION OF THE DRAWINGS
[0004] The features and advantages of the present disclosure will
become more apparent from the detailed description set forth below
when taken in conjunction with the drawings. The left-most digit of
a reference number identifies the drawing in which the reference
number first appears.
[0005] FIG. 1A illustrates, in accordance with various embodiments,
a system for providing transaction account data to a mobile
communications device;
[0006] FIG. 1B illustrates, in accordance with various embodiments,
a mobile communications device in communication with a contactless
point of sale terminal; and
[0007] FIG. 2 illustrates, in accordance with various embodiments,
a process for providing transaction account data to a mobile
communications device.
DETAILED DESCRIPTION
[0008] The detailed description of exemplary embodiments herein
makes reference to the accompanying drawings, which show the
exemplary embodiments by way of illustration and their best mode.
While these exemplary embodiments are described in sufficient
detail to enable those skilled in the art to practice the
disclosure, it should be understood that other embodiments may be
realized and that logical and mechanical changes may be made
without departing from the spirit and scope of the disclosure.
Thus, the detailed description herein is presented for purposes of
illustration only and not of limitation. For example, the steps
recited in any of the method or process descriptions may be
executed in any order and are not limited to the order presented.
Moreover, any of the functions or steps may be outsourced to or
performed by one or more third parties. Furthermore, any reference
to singular includes plural embodiments, and any reference to more
than one component may include a singular embodiment.
[0009] Phrases and terms similar to "financial institution,"
"transaction account issuer" and "payment processor" may include
any person, entity, software and/or hardware that offers
transaction account services. Although often referred to as a
"financial institution," the financial institution may represent
any type of bank, lender or other type of account issuing
institution, such as credit card companies, card sponsoring
companies, or third party issuers under contract with financial
institutions. It is further noted that other participants may be
involved in some phases of the transaction, such as an intermediary
settlement institution.
[0010] The terms "payment vehicle," "financial transaction
instrument," "transaction instrument," or "transaction account
product" may be used interchangeably throughout to refer to a
financial instrument. As used herein, an account code may or may
not be associated with a physical financial instrument.
[0011] Phrases and terms similar to a "buyer," "participant",
"consumer," and "user" may include any person, entity, software
and/or hardware that receives items in exchange for consideration
(e.g. financial payment). For example, a buyer may purchase, lease,
rent, barter or otherwise obtain items from a supplier and pay the
supplier using a transaction account.
[0012] Phrases or terms similar to a "processor" (such as a payment
processor) or "transaction account issuer" may include a company
(e.g., a third party) appointed (e.g., by a merchant) to handle
transactions for merchant banks. Processors may be broken down into
two types: front-end and back-end. Front-end processors have
connections to various transaction accounts and supply
authorization and settlement services to the merchant banks'
merchants. Back-end processors accept settlements from front-end
processors and, via The Federal Reserve Bank, move money from an
issuing bank to the merchant bank. In an operation that will
usually take a few seconds, the payment processor will both check
the details received by forwarding the details to the respective
account's issuing bank or card association for verification, and
may carry out a series of anti-fraud measures against the
transaction. Additional parameters, including the account's country
of issue and its previous payment history, may be used to gauge the
probability of the transaction being approved. In response to the
payment processor receiving confirmation that the transaction
account details have been verified, the information may be relayed
back to the merchant, who will then complete the payment
transaction. In response to the verification being denied, the
payment processor relays the information to the merchant, who may
then decline the transaction.
[0013] As used herein, "transmit" may include sending electronic
data from one system component to another over a network
connection. Additionally, as used herein, "data" may include
encompassing information such as commands, queries, files, data for
storage, and the like in digital or any other form.
[0014] Phrases or terms similar to "transaction account" may
include any account that may be used to facilitate a financial
transaction. A "transaction account" as used herein refers to an
account associated with an open account or a closed account system
(as described herein). The transaction account may exist in a
physical or non-physical embodiment. For example, a transaction
account may be distributed in non-physical embodiments such as an
account number, frequent-flyer account, and telephone calling
account or the like. Furthermore, a physical embodiment of a
transaction account may be distributed as a financial
instrument.
[0015] In general, transaction accounts may be used for
transactions between the user and merchant through any suitable
communication means, such as, for example, a telephone network,
intranet, the global, public Internet, a point of interaction
device (e.g., a point of sale (POS) device, personal digital
assistant (PDA), mobile telephone, kiosk, etc.), online
communications, off-line communications, wireless communications,
and/or the like.
[0016] An "account", "account code", or "account number", as used
herein, may include any device, code, number, letter, symbol,
digital certificate, smart chip, digital signal, analog signal,
biometric or other identifier/indicia suitably configured to allow
the consumer to access, interact with or communicate with the
system (e.g., one or more of an authorization/access code, personal
identification number (PIN), Internet code, other identification
code, and/or the like). The account number may optionally be
located on or associated with a rewards card, charge card, credit
card, debit card, prepaid card, telephone card, embossed card,
smart card, magnetic stripe card, bar code card, transponder, radio
frequency card or an associated account. The system may include or
interface with any of the foregoing cards or devices, QR codes,
Bluetooth, Near Field Communication, or a transponder and RFID
reader in RF communication with the transponder (which may include
a fob). Typical devices may include, for example, a key ring, tag,
card, cell phone, wristwatch or any such form capable of being
presented for interrogation.
[0017] Moreover, the system, computing unit or device discussed
herein may include a "pervasive computing device," which may
include a traditionally non-computerized device that is embedded
with a computing unit. Examples can include watches, Internet
enabled kitchen appliances, restaurant tables embedded with RF
readers, wallets or purses with imbedded transponders, etc.
[0018] The account code may be distributed and stored in any form
of plastic, electronic, magnetic, radio frequency, wireless, audio
and/or optical device capable of transmitting or downloading data
from itself to a second device. A customer account code may be, for
example, a sixteen-digit transaction account code, although each
transaction account provider has its own numbering system, such as
the fifteen-digit numbering system used by American Express. Each
company's transaction account codes comply with that company's
standardized format such that the company using a fifteen-digit
format will generally use three-spaced sets of numbers, as
represented by the number "0000 000000 00000". The first five to
seven digits are reserved for processing purposes and identify the
issuing bank, card type, etc. In this example, the last (fifteenth)
digit is used as a sum check for the fifteen digit number. The
intermediary eight-to-eleven digits are used to uniquely identify
the customer. A merchant account code may be, for example, any
number or alpha-numeric characters that identify a particular
merchant for purposes of card acceptance, account reconciliation,
reporting, or the like.
[0019] It should be noted that the transfer of information in
accordance with the present disclosure, may be completed in a
format recognizable by a merchant system or account issuer. In that
regard, by way of example, the information may be transmitted from
a contactless (e.g., an RFID device) to a contactless (e.g., RFID)
reader or from the contactless reader to the merchant system in a
variety of formats, e.g., magnetic stripe or multi-track magnetic
stripe format.
[0020] As used herein, an http session may comprise an impermanent
interactive communication exchange between a first web-client (as
described herein) and a second web-client and/or between a
front-end system, such as a web-client (e.g., a mobile device or
personal computer) and a backend system (e.g., a transaction
account issuer server or server system).
[0021] Referring to FIG. 1A, a system 100 for approving and
providing credit and transaction account data during an http
session is shown. The system may include a first web-client 102
(such as a personal computing device), a second web-client 104
(such as a mobile computing device), a network 106, a wallet
platform 108, and/or an electronic acquisition system 110.
[0022] A web-client may include any device (e.g., personal
computing device/mobile communication device) which communicates
via any network. A web-client may be associated with and/or used by
a consumer, a merchant, or both. A web-client may comprise a
variety of browsing software or browser applications (e.g.,
Microsoft Internet Explorer, Mozilla Firefox, Google Chrome, Apple
Safari, or any other of the myriad software packages available for
browsing the internet). Such browser applications may comprise
Internet browsing software installed within a computing unit or a
system to conduct online transactions and/or communications. These
computing units or systems may take the form of a computer or
processor, or a set of computers/processors, although other types
of computing units or systems may be used, including laptops,
notebooks, hand held computers, personal digital assistants,
cellular phones, smart phones (e.g., iPhone.RTM., BlackBerry.RTM.,
Droid.RTM., etc.) set-top boxes, workstations, computer-servers,
main frame computers, mini-computers, PC servers, pervasive
computers, network sets of computers, personal computers, such as
iPads, iMACs, and MacBooks, kiosks, terminals, point of sale (POS)
devices and/or terminals, televisions, or any other device capable
of receiving data over a network 104.
[0023] As those skilled in the art will appreciate, a web-client
may include an operating system (e.g., Windows NT,
95/98/2000/CE/Mobile, OS2, UNIX, Linux, Solaris, MacOS, PalmOS,
etc.) as well as various conventional support software and drivers
typically associated with computers. A web-client may implement
security protocols such as Secure Sockets Layer (SSL) and Transport
Layer Security (TLS). A web-client may implement one or more
application layer protocols, including, for example, http, https,
ftp, and sftp. Transactions originating at a web client may pass
through a firewall (not shown; see below) in order to prevent
unauthorized access from users of other networks.
[0024] A network 106 may comprise any electronic communications
system or method which incorporates software and/or hardware
components. Communication may be accomplished through any suitable
communication channels, such as, for example, a telephone network,
an extranet, an intranet, Internet, point of interaction device
(point of sale device, personal digital assistant, smart phone,
cellular phone (e.g., iPhone.RTM., Palm Pilot.RTM.,
Blackberry.RTM.), kiosk, etc.), online communications, satellite
communications, off-line communications, wireless communications,
transponder communications, local area network (LAN), wide area
network (WAN), virtual private network (VPN), networked or linked
devices, keyboard, mouse and/or any suitable communication or data
input modality. Moreover, although a network 104 may be described
herein as being implemented with TCP/IP communications protocols,
the network 104 may also be implemented using IPX, Appletalk, IP-6,
NetBIOS, OSI, any tunneling protocol (e.g. IPsec, SSH), or any
number of existing or future protocols. If the network 106 is in
the nature of a public network, such as the Internet, it may be
advantageous to presume the network 104 to be insecure and open to
eavesdroppers. Specific information related to the protocols,
standards, and application software utilized in connection with the
Internet is generally known to those skilled in the art and, as
such, need not be detailed herein. See, for example, DILIP NAIK,
INTERNET STANDARDS AND PROTOCOLS (1998); JAVA 2 COMPLETE, various
authors, (Sybex 1999); DEBORAH RAY AND ERIC RAY, MASTERING HTML 4.0
(1997); and LOSHIN, TCP/IP CLEARLY EXPLAINED (1997) and DAVID
GOURLEY AND BRIAN TOTTY, HTTP, THE DEFINITIVE GUIDE (2002), the
contents of which are hereby incorporated by reference.
[0025] The various system components described herein may be
independently, separately or collectively coupled to the network
106 via one or more data links including, for example, a connection
to an Internet Service Provider (ISP) over a local loop as is
typically used in connection with standard modem communication,
cable modem, Dish networks, ISDN, Digital Subscriber Line (DSL), or
various wireless communication methods, see, e.g., GILBERT HELD,
UNDERSTANDING DATA COMMUNICATIONS (1996), which is hereby
incorporated by reference. It is noted that the network 104 may be
implemented variously. For example, network 104 may be implemented
as an interactive television (ITV) network. The systems and methods
disclosed herein contemplate the use, sale and/or distribution of
any goods, services or information over any network having
functionality similar to that described above with reference to
network 104.
[0026] A wallet platform 108 may comprise any type of hardware
and/or software (e.g., a computer server or computer server system)
configured or configurable to provide and/or transmit information
associated with a transaction account (such as an account token or
quick response ("QR" code) that encodes account data, such as an
account token).
[0027] An electronic acquisition system may comprise any type of
hardware and/or software (e.g., a computer server or computer
server system) configured or configurable to approve and/or decline
an application for credit and/or provide and/or transmit
information associated with a transaction account (such as an
account token or quick response ("QR" code) that encodes an account
token and/or the like).
[0028] With reference to FIG. 2, an exemplary process 200 for
approving a credit application during an http session and providing
transaction account data to a web-client 104 (e.g., a mobile
communications device) during the http session is disclosed. In
various embodiments, a consumer may apply for credit during an http
session, and, during the same session, receive approval for the
credit application. Thus, as used herein, a consumer may be
"instantly" approved (or declined) credit during the single http
session. Instant credit approval, as described briefly herein, may
be further disclosed by Crawford et al., U.S. Pat. No. 8,336,764,
entitled FRAUD CONTROL WHEN GRANTING INSTANT CREDIT, and issued
Dec. 25, 2012. In various embodiments, the http session may
comprise more than one http session and the approval may be
provided after a certain time period.
[0029] Accordingly, a consumer may apply for credit via a
web-client 102 in communication with a backend system such as an
electronic acquisition system 110 through network 106 (step 202).
The electronic acquisition system 110 may instantly grant the
consumer credit, as described above. Having granted the consumer
credit, the electronic acquisition system 110 may communicate with
the wallet platform 108 to instruct the wallet platform 108 to
encode transaction account data as well as to transmit that
transaction account data to the web client 102. For example, in
various embodiments, the electronic acquisition system 110 may
instruct the wallet platform to generate a token (or a "secure
provisioning token"), such as random number, and to encode that
token in one of a variety of formats, such as, for example, in a
quick response ("QR" code) (step 204). The wallet platform 108 may
transmit the encoded token to the web-client 102 via the network
106.
[0030] In response to receiving such an encoded token, the web
client 102 may display the encoded token via a display coupled to
or comprising the web client 102, and a consumer who, viewing the
display, may visually observe the encoded data. A consumer may, in
response, utilize a web-client 104 (e.g., a mobile communications
device) to scan, photograph, or otherwise acquire the displayed
encoded data (e.g., the QR code encoding the secure token) (step
206).
[0031] In various embodiments, the web-client 104 may include
and/or acquire (e.g., download as an application from an
application provider) an application (e.g., software) that enables
the web-client 104 to acquire and/or read and/or decode the encoded
secure token. If any portion of the application needed to acquire
and/or decode the encoded secure token is not present on the
web-client 104, the web-client 104 may prompt the consumer to
download, from an application provider (e.g., from the wallet
platform 108) a software application suitable for such a
purpose.
[0032] Therefore, the application residing on the web-client 104
may, as described herein, decode (as described herein or as is
known in the art) the encoded data acquired from the web-client 102
to retrieve the secure token (step 208). As described above, the
secure token may comprise a random number generated by the wallet
platform 108 and/or any other identifier or identifying information
that may be used to identify the consumer's credit application
and/or approval thereof and/or the credit account created as a
result of approval of the credit application.
[0033] Having decoded the encoded secure token, the web-client 104
may transmit the secure token (encoded or decoded and/or encrypted
or unencrypted) to the wallet platform 108 via the network 106
(step 210). The wallet platform 108 may compare the secure token
that it receives from the web-client 104 to the secure token that
it provided (as encoded data) to the web client 102 to verify that
the web-client 102 is associated with the web-client 104 through
which instant credit as approved, as described above, by the
electronic acquisition system 110 (step 212). In other words, the
wallet platform 108 may ensure that the mobile communications
device/web-client 102 should receive transaction account data by
comparing the secure token returned by the web-client 102 to the
wallet platform 108 and acquired, by the web-client 102, from the
web-client 104 through which credit was requested and approved.
[0034] In response to validating the secure token, the wallet
platform 108 may provide (encoded or decoded and/or encrypted
and/or unencrypted) transaction account data (e.g., a transaction
account number, an expiration date, a customer name, and the like)
to the mobile communications device/web-client 102 via the network
106 and/or via a telecommunications network provided by a
telecommunications provider (step 214). The transaction account
data may be associated with the transaction account that was
requested and approved "instantly" by the electronic acquisitions
system 110 (as described above). The mobile communications
device/web-client 102 may, in response to receipt of the
transaction account data, store the data (step 216).
[0035] Thus, in various embodiments, the system 100 may instantly
(e.g., during a single http session) approve a consumer's request
for credit, create a transaction account based upon the request and
approval, and provide, via a network, an electronic version of the
consumer's credit card (i.e., transaction account data). Further,
and with reference to FIG. 1B, having stored this transaction
account data on a web-client 102, a consumer may utilize the
web-client 102 as a payment instrument. For example, the consumer
may place the web-client 102 in proximity to a contactless payment
point of sale terminal 112 to transmit transaction data stored by
the web-client to the terminal 112 as part of a transaction. Any
portion or all of the data transfer, interface, transmission and/or
exchange may be accomplished via, for example, near field
communication (NFC), Bluetooth, radio frequency, card image
acquisition, etc. Similarly, where the point of sale terminal 112
comprises a "reader" such as a bar code reader or QR code reader,
the web-client 102 may be configured to encode and display the
transaction account data stored in its memory such that the point
of sale terminal 112 is enabled to scan or "read" the encoded
transaction account data displayed by the web-client 102. Further
still, the web-client/mobile communications device 102 may be
configured to display an image of a transaction instrument (e.g., a
credit card) that may me acquired or otherwise captured by an image
capture device, such as a camera. In this regard, the web-client
102 may be used as part of a gesture-recognition security system,
as disclosed by Aidasani et al., U.S. Pat. No. 8,172,135, entitled
SYSTEMS AND METHODS FOR GESTURE-BASED INTERACTION WITH COMPUTER
SYSTEMS, filed on Jun. 24, 2011 and issued on May 8, 2012, which is
hereby incorporated by reference in its entirety.
[0036] In the detailed description herein, references to "one
embodiment", "an embodiment", "an example embodiment", "various
embodiments", etc., indicate that the embodiment described may
include a particular feature, structure, or characteristic, but
every embodiment may not necessarily include the particular
feature, structure, or characteristic. Moreover, such phrases are
not necessarily referring to the same embodiment. Further, when a
particular feature, structure, or characteristic is described in
connection with an embodiment, it is submitted that it is within
the knowledge of one skilled in the art to effect such feature,
structure, or characteristic in connection with other embodiments
whether or not explicitly described. After reading the description,
it will be apparent to one skilled in the relevant art(s) how to
implement the disclosure in certain embodiments.
[0037] In various embodiments, the methods described herein are
implemented using the various particular machines described herein.
The methods described herein may be implemented using the
particular machines, and those hereinafter developed, in any
suitable combination, as would be appreciated immediately by one
skilled in the art. Further, as is unambiguous from this
disclosure, the methods described herein may result in various
transformations of certain articles.
[0038] For the sake of brevity, conventional data networking,
application development and other functional aspects of the systems
(and components of the individual operating components of the
systems) may not be described in detail herein. Furthermore, the
connecting lines shown in the various figures contained herein are
intended to represent exemplary functional relationships and/or
physical couplings between the various elements. It should be noted
that many alternative or additional functional relationships or
physical connections may be present in a practical system.
[0039] The various system components discussed herein may include
one or more of the following: a host server or other computing
systems including a processor for processing digital data; a memory
coupled to the processor for storing digital data; an input
digitizer coupled to the processor for inputting digital data; an
application program stored in the memory and accessible by the
processor for directing processing of digital data by the
processor; a display device coupled to the processor and memory for
displaying information derived from digital data processed by the
processor; and a plurality of databases. Various databases used
herein may include: client data; merchant data; financial
institution data; and/or like data useful in the operation of the
system. As those skilled in the art will appreciate, user computer
may include an operating system (e.g., Windows NT, 95/98/2000, XP,
Vista, OS2, UNIX, Linux, Solaris, MacOS, etc.) as well as various
conventional support software and drivers typically associated with
computers. A user may include any individual, business, entity,
government organization, software and/or hardware that interact
with a system.
[0040] In an embodiment, various components, modules, and/or
engines of system 100 may be implemented as micro-applications or
micro-apps. Micro-apps are typically deployed in the context of a
mobile operating system, including for example, a Palm mobile
operating system, a Windows mobile operating system, an Android
Operating System, Apple iOS, a Blackberry operating system and the
like. The micro-app may be configured to leverage the resources of
the larger operating system and associated hardware via a set of
predetermined rules which govern the operations of various
operating systems and hardware resources. For example, where a
micro-app desires to communicate with a device or network other
than the mobile device or mobile operating system, the micro-app
may leverage the communication protocol of the operating system and
associated device hardware under the predetermined rules of the
mobile operating system. Moreover, where the micro-app desires an
input from a user, the micro-app may be configured to request a
response from the operating system which monitors various hardware
components and then communicates a detected input from the hardware
to the micro-app.
[0041] The system contemplates uses in association with web
services, utility computing, pervasive and individualized
computing, security and identity solutions, autonomic computing,
cloud computing, commodity computing, mobility and wireless
solutions, open source, biometrics, grid computing and/or mesh
computing.
[0042] Any databases discussed herein may include relational,
hierarchical, graphical, or object-oriented structure and/or any
other database configurations. Common database products that may be
used to implement the databases include DB2 by IBM (Armonk, N.Y.),
various database products available from Oracle Corporation
(Redwood Shores, Calif.), Microsoft Access or Microsoft SQL Server
by Microsoft Corporation (Redmond, Wash.), MySQL by MySQL AB
(Uppsala, Sweden), or any other suitable database product.
Moreover, the databases may be organized in any suitable manner,
for example, as data tables or lookup tables. Each record may be a
single file, a series of files, a linked series of data fields or
any other data structure. Association of certain data may be
accomplished through any desired data association technique such as
those known or practiced in the art. For example, the association
may be accomplished either manually or automatically. Automatic
association techniques may include, for example, a database search,
a database merge, GREP, AGREP, SQL, using a key field in the tables
to speed searches, sequential searches through all the tables and
files, sorting records in the file according to a known order to
simplify lookup, and/or the like. The association step may be
accomplished by a database merge function, for example, using a
"key field" in pre-selected databases or data sectors. Various
database tuning steps are contemplated to optimize database
performance. For example, frequently used files such as indexes may
be placed on separate file systems to reduce In/Out ("I/O")
bottlenecks.
[0043] More particularly, a "key field" partitions the database
according to the high-level class of objects defined by the key
field. For example, certain types of data may be designated as a
key field in a plurality of related data tables and the data tables
may then be linked on the basis of the type of data in the key
field. The data corresponding to the key field in each of the
linked data tables is preferably the same or of the same type.
However, data tables having similar, though not identical, data in
the key fields may also be linked by using AGREP, for example. In
accordance with one embodiment, any suitable data storage technique
may be utilized to store data without a standard format. Data sets
may be stored using any suitable technique, including, for example,
storing individual files using an ISO/IEC 7816-4 file structure;
implementing a domain whereby a dedicated file is selected that
exposes one or more elementary files containing one or more data
sets; using data sets stored in individual files using a
hierarchical filing system; data sets stored as records in a single
file (including compression, SQL accessible, hashed via one or more
keys, numeric, alphabetical by first tuple, etc.); Binary Large
Object (BLOB); stored as ungrouped data elements encoded using
ISO/IEC 7816-6 data elements; stored as ungrouped data elements
encoded using ISO/IEC Abstract Syntax Notation (ASN.1) as in
ISO/IEC 8824 and 8825; and/or other proprietary techniques that may
include fractal compression methods, image compression methods,
etc.
[0044] In one exemplary embodiment, the ability to store a wide
variety of information in different formats is facilitated by
storing the information as a BLOB. Thus, any binary information can
be stored in a storage space associated with a data set. As
discussed above, the binary information may be stored on the
financial transaction instrument or external to but affiliated with
the financial transaction instrument. The BLOB method may store
data sets as ungrouped data elements formatted as a block of binary
via a fixed memory offset using either fixed storage allocation,
circular queue techniques, or best practices with respect to memory
management (e.g., paged memory, least recently used, etc.). By
using BLOB methods, the ability to store various data sets that
have different formats facilitates the storage of data associated
with the financial transaction instrument by multiple and unrelated
owners of the data sets. For example, a first data set which may be
stored may be provided by a first party, a second data set which
may be stored may be provided by an unrelated second party, and yet
a third data set which may be stored, may be provided by an third
party unrelated to the first and second party. Each of these three
exemplary data sets may contain different information that is
stored using different data storage formats and/or techniques.
Further, each data set may contain subsets of data that also may be
distinct from other subsets.
[0045] As stated above, in various embodiments, the data can be
stored without regard to a common format. However, in one exemplary
embodiment, the data set (e.g., BLOB) may be annotated in a
standard manner when provided for manipulating the data onto the
financial transaction instrument. The annotation may comprise a
short header, trailer, or other appropriate indicator related to
each data set that is configured to convey information useful in
managing the various data sets. For example, the annotation may be
called a "condition header", "header", "trailer", or "status",
herein, and may comprise an indication of the status of the data
set or may include an identifier correlated to a specific issuer or
owner of the data. In one example, the first three bytes of each
data set BLOB may be configured or configurable to indicate the
status of that particular data set; e.g., LOADED, INITIALIZED,
READY, BLOCKED, REMOVABLE, or DELETED. Subsequent bytes of data may
be used to indicate for example, the identity of the issuer, user,
transaction/membership account identifier or the like. Each of
these condition annotations are further discussed herein.
[0046] The data set annotation may also be used for other types of
status information as well as various other purposes. For example,
the data set annotation may include security information
establishing access levels. The access levels may, for example, be
configured to permit only certain individuals, levels of employees,
companies, or other entities to access data sets, or to permit
access to specific data sets based on the transaction, merchant,
issuer, user or the like. Furthermore, the security information may
restrict/permit only certain actions such as accessing, modifying,
and/or deleting data sets. In one example, the data set annotation
indicates that only the data set owner or the user are permitted to
delete a data set, various identified users may be permitted to
access the data set for reading, and others are altogether excluded
from accessing the data set. However, other access restriction
parameters may also be used allowing various entities to access a
data set with various permission levels as appropriate.
[0047] The data, including the header or trailer may be received by
a stand alone interaction device configured to add, delete, modify,
or augment the data in accordance with the header or trailer. As
such, in one embodiment, the header or trailer is not stored on the
transaction device along with the associated issuer-owned data but
instead the appropriate action may be taken by providing to the
transaction instrument user at the stand alone device, the
appropriate option for the action to be taken. The system may
contemplate a data storage arrangement wherein the header or
trailer, or header or trailer history, of the data is stored on the
transaction instrument in relation to the appropriate data.
[0048] One skilled in the art will also appreciate that, for
security reasons, any databases, systems, devices, servers or other
components of the system may consist of any combination thereof at
a single location or at multiple locations, wherein each database
or system includes any of various suitable security features, such
as firewalls, access codes, encryption, decryption, compression,
decompression, and/or the like.
[0049] A firewall may comprise any hardware and/or software
suitably configured to protect system 100 components and/or
enterprise computing resources from users of other networks.
Further, a firewall may be configured to limit or restrict access
to various systems and components behind the firewall for web
clients 102 connecting through a web server. A firewall may reside
in varying configurations including Stateful Inspection, Proxy
based, access control lists, and Packet Filtering among others. A
firewall may be integrated within a web server or any other CMS
components or may further reside as a separate entity. A firewall
may implement network address translation ("NAT") and/or network
address port translation ("NAPT"). A firewall may accommodate
various tunneling protocols to facilitate secure communications,
such as those used in virtual private networking. A firewall may
implement a demilitarized zone ("DMZ") to facilitate communications
with a public network such as the Internet. A firewall may be
integrated as software within an Internet server, any other
application server components or may reside within another
computing device or may take the form of a standalone hardware
component.
[0050] Encryption may be performed by way of any of the techniques
now available in the art or which may become available--e.g.,
Twofish, RSA, El Gamal, Schorr signature, DSA, PGP, PKI, and
symmetric and asymmetric cryptosystems.
[0051] The computers discussed herein may provide a suitable
website or other Internet-based graphical user interface which is
accessible by users. In one embodiment, the Microsoft Internet
Information Server (IIS), Microsoft Transaction Server (MTS), and
Microsoft SQL Server, are used in conjunction with the Microsoft
operating system, Microsoft NT web server software, a Microsoft SQL
Server database system, and a Microsoft Commerce Server.
Additionally, components such as Access or Microsoft SQL Server,
Oracle, Sybase, Informix MySQL, Interbase, etc., may be used to
provide an Active Data Object (ADO) compliant database management
system. In one embodiment, the Apache web server is used in
conjunction with a Linux operating system, a MySQL database, and
the Perl, PHP, and/or Python programming languages.
[0052] Any of the communications, inputs, storage, databases or
displays discussed herein may be facilitated through a website
having web pages. The term "web page" as it is used herein is not
meant to limit the type of documents and applications that might be
used to interact with the user. For example, a typical website
might include, in addition to standard HTML documents, various
forms, Java applets, JavaScript, active server pages (ASP), common
gateway interface scripts (CGI), extensible markup language (XML),
dynamic HTML, cascading style sheets (CSS), AJAX (Asynchronous
Javascript And XML), helper applications, plug-ins, and the like. A
server may include a web service that receives a request from a web
server, the request including a URL
(http://yahoo.com/stockquotes/ge) and an IP address
(123.56.789.234). The web server retrieves the appropriate web
pages and sends the data or applications for the web pages to the
IP address. Web services are applications that are capable of
interacting with other applications over a communications means,
such as the internet. Web services are typically based on standards
or protocols such as XML, SOAP, AJAX, WSDL and UDDI. Web services
methods are well known in the art, and are covered in many standard
texts. See, e.g., ALEX NGHIEM, IT WEB SERVICES: A ROADMAP FOR THE
ENTERPRISE (2003), hereby incorporated by reference.
[0053] Middleware may include any hardware and/or software suitably
configured to facilitate communications and/or process transactions
between disparate computing systems. Middleware components are
commercially available and known in the art. Middleware may be
implemented through commercially available hardware and/or
software, through custom hardware and/or software components, or
through a combination thereof. Middleware may reside in a variety
of configurations and may exist as a standalone system or may be a
software component residing on the Internet server. Middleware may
be configured to process transactions between the various
components of an application server and any number of internal or
external systems for any of the purposes disclosed herein.
WebSphere MQ.TM. (formerly MQSeries) by IBM, Inc. (Armonk, N.Y.) is
an example of a commercially available middleware product. An
Enterprise Service Bus ("ESB") application is another example of
middleware.
[0054] Practitioners will also appreciate that there are a number
of methods for displaying data within a browser-based document.
Data may be represented as standard text or within a fixed list,
scrollable list, drop-down list, editable text field, fixed text
field, pop-up window, and the like. Likewise, there are a number of
methods available for modifying data in a web page such as, for
example, free text entry using a keyboard, selection of menu items,
check boxes, option boxes, and the like.
[0055] The system and method may be described herein in terms of
functional block components, screen shots, optional selections and
various processing steps. It should be appreciated that such
functional blocks may be realized by any number of hardware and/or
software components configured to perform the specified functions.
For example, the system may employ various integrated circuit
components, e.g., memory elements, processing elements, logic
elements, look-up tables, and the like, which may carry out a
variety of functions under the control of one or more
microprocessors or other control devices. Similarly, the software
elements of the system may be implemented with any programming or
scripting language such as C, C++, C#, Java, JavaScript, VBScript,
Macromedia Cold Fusion, COBOL, Microsoft Active Server Pages,
assembly, PERL, PHP, awk, Python, Visual Basic, SQL Stored
Procedures, PL/SQL, any UNIX shell script, and extensible markup
language (XML) with the various algorithms being implemented with
any combination of data structures, objects, processes, routines or
other programming elements. Further, it should be noted that the
system may employ any number of conventional techniques for data
transmission, signaling, data processing, network control, and the
like. Still further, the system could be used to detect or prevent
security issues with a client-side scripting language, such as
JavaScript, VBScript or the like. For a basic introduction of
cryptography and network security, see any of the following
references: (1) "Applied Cryptography: Protocols, Algorithms, And
Source Code In C," by Bruce Schneier, published by John Wiley &
Sons (second edition, 1995); (2) "Java Cryptography" by Jonathan
Knudson, published by O'Reilly & Associates (1998); (3)
"Cryptography & Network Security: Principles & Practice" by
William Stallings, published by Prentice Hall; all of which are
hereby incorporated by reference.
[0056] As used herein, the term "end user", "consumer", "customer",
"cardmember", "business" or "merchant" may be used interchangeably
with each other, and each shall mean any person, entity, machine,
hardware, software or business. A bank may be part of the system,
but the bank may represent other types of card issuing
institutions, such as credit card companies, card sponsoring
companies, or third party issuers under contract with financial
institutions. It is further noted that other participants may be
involved in some phases of the transaction, such as an intermediary
settlement institution, but these participants are not shown.
[0057] Each participant is equipped with a computing device in
order to interact with the system and facilitate online commerce
transactions. The customer has a computing unit in the form of a
personal computer, although other types of computing units may be
used including laptops, notebooks, hand held computers, set-top
boxes, cellular telephones, touch-tone telephones and the like. The
merchant has a computing unit implemented in the form of a
computer-server, although other implementations are contemplated by
the system. The bank has a computing center shown as a main frame
computer. However, the bank computing center may be implemented in
other forms, such as a mini-computer, a PC server, a network of
computers located in the same of different geographic locations, or
the like. Moreover, the system contemplates the use, sale or
distribution of any goods, services or information over any network
having similar functionality described herein.
[0058] The merchant computer and the bank computer may be
interconnected via a second network, referred to as a payment
network. The payment network which may be part of certain
transactions represents existing proprietary networks that
presently accommodate transactions for credit cards, debit cards,
and other types of financial/banking cards. The payment network is
a closed network that is assumed to be secure from eavesdroppers.
Exemplary transaction networks may include the American
Express.RTM., VisaNet.RTM. and the Veriphone.RTM. networks.
[0059] The electronic commerce system may be implemented at the
customer and issuing bank. In an exemplary implementation, the
electronic commerce system is implemented as computer software
modules loaded onto the customer computer and the banking computing
center. The merchant computer does not require any additional
software to participate in the online commerce transactions
supported by the online commerce system.
[0060] As will be appreciated by one of ordinary skill in the art,
the system may be embodied as a customization of an existing
system, an add-on product, upgraded software, a stand alone system,
a distributed system, a method, a data processing system, a device
for data processing, and/or a computer program product.
Accordingly, the system may take the form of an entirely software
embodiment, an entirely hardware embodiment, or an embodiment
combining aspects of both software and hardware. Furthermore, the
system may take the form of a computer program product on a
computer-readable storage medium having computer-readable program
code means embodied in the storage medium. Any suitable
computer-readable storage medium may be utilized, including hard
disks, CD-ROM, optical storage devices, magnetic storage devices,
and/or the like.
[0061] The system and method is described herein with reference to
screen shots, block diagrams and flowchart illustrations of
methods, apparatus (e.g., systems), and computer program products
according to various embodiments. It will be understood that each
functional block of the block diagrams and the flowchart
illustrations, and combinations of functional blocks in the block
diagrams and flowchart illustrations, respectively, can be
implemented by computer program instructions.
[0062] These computer program instructions may be loaded onto a
general purpose computer, special purpose computer, or other
programmable data processing apparatus to produce a machine, such
that the instructions that execute on the computer or other
programmable data processing apparatus create means for
implementing the functions specified in the flowchart block or
blocks. These computer program instructions may also be stored in a
computer-readable memory that can direct a computer or other
programmable data processing apparatus to function in a particular
manner, such that the instructions stored in the computer-readable
memory produce an article of manufacture including instruction
means which implement the function specified in the flowchart block
or blocks. The computer program instructions may also be loaded
onto a computer or other programmable data processing apparatus to
cause a series of operational steps to be performed on the computer
or other programmable apparatus to produce a computer-implemented
process such that the instructions which execute on the computer or
other programmable apparatus provide steps for implementing the
functions specified in the flowchart block or blocks.
[0063] Accordingly, functional blocks of the block diagrams and
flowchart illustrations support combinations of means for
performing the specified functions, combinations of steps for
performing the specified functions, and program instruction means
for performing the specified functions. It will also be understood
that each functional block of the block diagrams and flowchart
illustrations, and combinations of functional blocks in the block
diagrams and flowchart illustrations, can be implemented by either
special purpose hardware-based computer systems which perform the
specified functions or steps, or suitable combinations of special
purpose hardware and computer instructions. Further, illustrations
of the process flows and the descriptions thereof may make
reference to user windows, webpages, websites, web forms, prompts,
etc. Practitioners will appreciate that the illustrated steps
described herein may comprise in any number of configurations
including the use of windows, webpages, web forms, popup windows,
prompts and the like. It should be further appreciated that the
multiple steps as illustrated and described may be combined into
single webpages and/or windows but have been expanded for the sake
of simplicity. In other cases, steps illustrated and described as
single process steps may be separated into multiple webpages and/or
windows but have been combined for simplicity.
[0064] Benefits, other advantages, and solutions to problems have
been described herein with regard to specific embodiments. However,
the benefits, advantages, solutions to problems, and any elements
that may cause any benefit, advantage, or solution to occur or
become more pronounced are not to be construed as critical,
required, or essential features or elements of the disclosure. The
scope of the disclosure is accordingly to be limited by nothing
other than the appended claims, in which reference to an element in
the singular is not intended to mean "one and only one" unless
explicitly so stated, but rather "one or more." Moreover, where a
phrase similar to `at least one of A, B, and C` or `at least one of
A, B, or C` is used in the claims or specification, it is intended
that the phrase be interpreted to mean that A alone may be present
in an embodiment, B alone may be present in an embodiment, C alone
may be present in an embodiment, or that any combination of the
elements A, B and C may be present in a single embodiment; for
example, A and B, A and C, B and C, or A and B and C. Although the
inventions have been described as a method in certain embodiments,
it is contemplated that it may be embodied as computer program
instructions on a tangible computer-readable carrier, such as a
magnetic or optical memory or a magnetic or optical disk. All
structural, chemical, and functional equivalents to the elements of
the above-described exemplary embodiments that are known to those
of ordinary skill in the art are expressly incorporated herein by
reference and are intended to be encompassed by the present claims.
Moreover, it is not necessary for a device or method to address
each and every problem sought to be solved by the present
disclosure, for it to be encompassed by the present claims.
Furthermore, no element, component, or method step in the present
disclosure is intended to be dedicated to the public regardless of
whether the element, component, or method step is explicitly
recited in the claims. No claim element herein is to be construed
under the provisions of 35 U.S.C. 112(f) unless the element is
expressly recited using the phrase "means for." As used herein, the
terms "comprises", "comprising", or any other variation thereof,
are intended to cover a non-exclusive inclusion, such that a
process, method, article, or apparatus that comprises a list of
elements does not include only those elements but may include other
elements not expressly listed or inherent to such process, method,
article, or apparatus.
* * * * *
References