Systems, methods, and computer readable media for payment and non-payment virtual card transfer between mobile devices

Patent metadata

Field	Value
Publication number	US-10026076-B2
Application number	US-57469609-A
Country	US
Kind code	B2
Filing date	Oct 6, 2009
Priority date	Oct 6, 2008
Publication date	Jul 17, 2018
Grant date	Jul 17, 2018

Abstract

The subject matter described herein includes methods, systems, and computer readable media for virtual card transfer between near field communications (NFC)-enabled mobile devices. According to one aspect, a method for over-the-air (OTA) virtual card transfer between NFC-enabled mobile devices is disclosed. The method includes receiving, at an OTA provisioning server, a virtual card, from a sending mobile device, that is intended for a receiving mobile device. The virtual card is provisioned, over the air, to the receiving mobile device, where the virtual card is immediately presentable by the receiving mobile device at a point of sale terminal.

First claim

What is claimed is:

1. A method for over-the-air (OTA) virtual card transfer between near field communications (NFC)-enabled mobile devices, the method comprising:
at an OTA provisioning server comprising at least one computer having associated hardware:
receiving, from a sending mobile device operated by a sender, data for provisioning a virtual card to a receiving mobile device, the data including a virtual card type selected by the sender from a plurality of virtual card types and a receiver for the virtual card, and a recipient mobile device number corresponding to the receiving mobile device, wherein each of the sending mobile device and the receiving mobile device includes an NFC-enabled mobile phone device;
accessing a database using the recipient mobile device number to obtain mobile device type information related to the receiving mobile device; and
in response to determining that the mobile device type information indicates that the receiving mobile device is an NFC enabled mobile device, provisioning the virtual card to the receiving mobile device via an OTA interface, wherein provisioning the virtual card includes sending a control message from the OTA provisioning server to the receiving mobile device that triggers a wallet application in the receiving mobile device to initiate downloading of the virtual card from the OTA provisioning server to the receiving mobile device, wherein the virtual card is immediately presentable by the receiving mobile device at a point of sale terminal via NFC, and wherein the virtual card represents one of: a credit card, a debit card, a prepaid card, a loyalty card, a rewards card, and a coupon and, wherein provisioning the virtual card to the receiving mobile device comprises, in response to receiving the data for provisioning the virtual card, creating a new virtual card account corresponding to the virtual card type selected by the sender and designating the receiver as an intended recipient.

2. The method of claim 1 comprising receiving identification information associated with at least one of the sending mobile device and the receiving mobile device, wherein the identification information includes at least one of a phone number, a name, and an address.

3. The method of claim 1 wherein receiving the data for provisioning the virtual card includes communicating over at least one of an over-the-air and an Internet protocol (IP)-based communications network.

4. The method of claim 3 wherein communicating over an over-the-air communications network includes communicating over one of a general packet radio service (GPRS), enhanced data rates for GSM evolution (EDGE), code division multiple access (CDMA), 3G, 4G, and long term evolution (LTE) network.

5. The method of claim 3 wherein communicating over an IP-based network includes communicating over one of a Wi-Fi, worldwide interoperability for microwave access (Wi-Max), and an Ethernet network.

6. The method of claim 1 wherein receiving the data for provisioning the virtual card includes receiving an electronic, monetary deposit using at least one of hypertext transfer protocol (HTTP), transmission control protocol (TCP), short message service (SMS), CAT_TP, code division multiple access (CDMA), Bluetooth, general packet radio service (GPRS), global system for mobile communications (GSM), Wi-Fi, SMS point-to-point (PP), Bearer Independent Protocol (BIP), and user datagram protocol (UDP).

7. The method of claim 1 wherein provisioning the virtual card includes communicating over at least one of an over-the-air and an Internet protocol (IP)-based communications network.

8. The method of claim 7 wherein provisioning the virtual card includes provisioning a virtual card using at least one of a general packet radio service (GPRS), enhanced data rates for GSM evolution (EDGE), code division multiple access (CDMA), 3G, 4G, and long term evolution (LTE) network.

9. The method of claim 7 wherein communicating over an IP-based network includes communicating over one of a Wi-Fi, worldwide interoperability for microwave access (Wi-Max), and an Ethernet network.

10. The method of claim 1 wherein provisioning the virtual card includes provisioning an electronic, monetary account using at least one of hypertext transfer protocol (HTTP), transmission control protocol (TCP), short message service (SMS), CAT_TP, code division multiple access (CDMA), Bluetooth, general packet radio service (GPRS), global system for mobile communications (GSM), Wi-Fi, SMS point-to-point (PP), Bearer Independent Protocol (BIP), and user datagram protocol (UDP).

11. The method of claim 1 wherein provisioning the virtual card includes initiating one of an open loop or a closed loop account.

12. The method of claim 1 wherein the control message includes a control short message service (cSMS) message that is configured to access the wallet application associated with the receiving mobile device.

13. The method of claim 1 wherein provisioning the virtual card includes establishing a bearer independent protocol (BIP) using one of SMS PP and CAT_TP protocol to UICC/USIM without accessing the wallet application residing in the phone baseband memory.

14. The method of claim 1 comprising prompting the receiving mobile device to confirm the provisioning of the virtual card.

15. The method of claim 1 comprising storing the virtual card in a secure element in one of the sending mobile device and the receiving mobile device.

16. The method of claim 1 comprising encrypting at least one of the communications between the sending mobile device, the OTA provisioning server, and the receiving mobile device.

17. The method of claim 1 comprising authorizing the presentation of the virtual card.

18. The method of claim 17 wherein authorizing the virtual card transfer includes retrieving at least one of track I data, track II data, a routing number, a bank account number, a credit card number, an expiration date, a debit card number, and an automated clearing house (ACH) identifier.

19. An over-the-air (OTA) provisioning server for providing virtual card transfer between near field communications (NFC)-enabled mobile devices, the OTA provisioning server comprising:
a receiving module for receiving, from a sending mobile device operated by a sender, data for provisioning a virtual card to a receiving mobile device, the data including a virtual card type selected by the sender from a plurality of virtual card types, a receiver for the virtual card, a recipient mobile device number corresponding to the receiving mobile device, and a monetary amount, and for accessing a database using the recipient mobile device number to obtain mobile device type information related to the receiving mobile device, wherein each of the sending mobile device and the receiving mobile device includes an NFC-enabled mobile phone device; and
in response to determining that the mobile device type information indicates that the receiving mobile device is an NFC enabled mobile device, an account module for provisioning the virtual card to the receiving mobile device by sending a control message from the OTA provisioning server to the receiving mobile device that triggers a wallet application in the receiving mobile device to initiate downloading of the virtual card from the OTA provisioning server to the receiving mobile device, wherein the virtual card is immediately usable by the receiving mobile device at a point of sale terminal via NFC, wherein the virtual card represents one of: a credit card, a debit card, a prepaid card, a

Assignees

• Kumar Pradeep
• Khan Mohammad
• Mastercard International Inc

Inventors

• Kumar Pradeep
• Khan Mohammad

Classifications

• G06Q20/202

  Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR · CPC title

• G06Q20/351 Primary

  Virtual cards · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/105 Primary

  involving programming of a portable memory device, e.g. IC cards, "electronic purses" · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title