USOO9208488B2
`
`(12) United States Patent
`Liberty
`
`(10) Patent No.:
`(45) Date of Patent:
`
`US 9.208.488 B2
`Dec. 8, 2015
`
`(54) USING AMOBILE WALLET
`NFRASTRUCTURE TO SUPPORT MULTIPLE
`MOBILE WALLET PROVIDERS
`
`(71)
`(72)
`(73)
`(*)
`
`(21)
`(22)
`(65)
`
`(60)
`
`(51)
`
`(52)
`
`(58)
`
`(56)
`
`Applicant: MOZIDO, INC., Austin, TX (US)
`Inventor: Michael A. Liberty, Orlando, FL (US)
`Assignee: MOZIDO, INC., Austin, TX (US)
`Notice:
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 0 days.
`Appl. No.: 13/680,824
`
`Filed:
`
`Nov. 19, 2012
`
`Prior Publication Data
`US 2013/O132219 A1
`May 23, 2013
`
`Related U.S. Application Data
`Provisional application No. 61/562,301, filed on Nov.
`21, 2011.
`
`(2012.01)
`(2006.01)
`(2012.01)
`(2012.01)
`(2012.01)
`
`Int. C.
`G06O20/00
`G6G/2
`G06O20/36
`G06O20/20
`G06O20/06
`U.S. C.
`CPC .............. G06O20/36 (2013.01); G06O20/065
`(2013.01); G06O20/202 (2013.01)
`Field of Classification Search
`None
`See application file for complete search history.
`
`References Cited
`
`U.S. PATENT DOCUMENTS
`
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`6,021,397 A
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`2/2001 Resnicket al.
`(Continued)
`
`FOREIGN PATENT DOCUMENTS
`
`AU
`CA
`
`4/2008
`2007312879
`4/2008
`2666616
`(Continued)
`OTHER PUBLICATIONS
`
`International Search Report for PCT/US2012/066013 dated Jan. 29,
`2013.
`
`(Continued)
`
`Primary Examiner — Paul Danneman
`(74) Attorney, Agent, or Firm — Workman Nydegger
`
`ABSTRACT
`(57)
`Embodiments are directed to performing a transaction using
`a third party mobile wallet, performing a transaction using a
`third party point of sale (POS) system and to making a pur
`chase from a third party mobile wallet provided by a third
`party mobile wallet provider. In one scenario, a cloud-based
`transaction platform is provided, which receives communi
`cation from an agent terminal over a communication channel
`connected to the cloud-based transaction platform. The agent
`communication indicates that a customer desires to perform a
`mobile wallet transaction using their third party mobile wal
`let. The cloud-based transaction platform sends the agent
`communication to a third party mobile wallet platform,
`receives communication from the third party mobile wallet
`platform confirming processing of the transaction, and sends
`communication to the agent terminal over a communication
`channel connected to the cloud-based transaction platform,
`where the communication indicates confirmation of the pro
`cessing of the transaction.
`
`5,717,374. A
`5,828,739 A
`
`2, 1998 Smith
`10, 1998 Nakanishi
`
`22 Claims, 9 Drawing Sheets
`
`
`
`
`
`Mobile
`Device
`
`27
`
`- With
`
`3Plable Wallet
`206
`
`indicated
`Transaction
`
`210
`
`Cloud-Based Transaction System
`21
`
`Subscriber
`Profe
`
`Rules
`Engine
`
`22
`
`
`
`(Wireless)
`Communication
`Module
`
`216
`
`303SSO?
`
`Memory
`27
`
`MoneyleMoney
`
`
`
`Communication
`
`Third Party
`POSTransaction
`Processing System
`
`Monetary
`Transaction
`Database
`
`--Custorer
`222
`
`POSSystem
`224
`
`APPL-1001
`APPLE INC. / Page 1 of 29
`
`

`

`US 9.208.488 B2
`Page 2
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`
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`U.S. Patent
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`Dec. 8, 2015
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`Sheet 1 of 9
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`US 9,208,488 B2
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`Dec. 8, 2015
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`U.S. Patent
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`Dec. 8, 2015
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`Sheet 3 of 9
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`US 9.208.488 B2
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`APPL-1001
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`U.S. Patent
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`Dec. 8, 2015
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`Sheet 4 of 9
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`US 9.208.488 B2
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`APPL-1001
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`U.S. Patent
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`Dec. 8, 2015
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`U.S. Patent
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`Dec. 8, 2015
`
`Sheet 7 Of 9
`
`US 9.208.488 B2
`
`Receive Communication From Agent Terminal
`
`
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`Send Agent Communication To
`Third Party Mobile Wallet Platform
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`Processing Of Transaction
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`U.S. Patent
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`Dec. 8, 2015
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`Sheet 8 of 9
`
`US 9.208.488 B2
`
`Receive Communication From POS System
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`U.S. Patent
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`Dec. 8, 2015
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`Sheet 9 Of 9
`
`US 9.208.488 B2
`
`
`
`Receive Communication From Customer
`
`910
`
`Returning Secure, Perishable Purchase
`Code To Customer
`
`Receive Communication indicating That Purchase
`Code Has Been Presented To Agent
`
`Debit Customer's Third Party Mobile
`Wallet By Specified Amount
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`FIG. 9
`
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`

`US 9,208,488 B2
`
`1.
`USING AMOBILE WALLET
`INFRASTRUCTURE TO SUPPORT MULTIPLE
`MOBILE WALLET PROVIDERS
`
`CROSS-REFERENCE TO RELATED
`APPLICATIONS
`
`This application claims priority to and the benefit of U.S.
`Provisional Application Ser. No. 61/562,301, entitled “Using
`a Mobile Wallet Infrastructure to Support Multiple Mobile
`Wallet Providers', filed on Nov. 21, 2011, which is herein
`incorporated by reference in its entirety.
`
`BACKGROUND
`
`Mobile phones and other digital devices have become
`increasingly popular in recent years. Many mobile device
`users use their devices to perform countless different daily
`tasks. For instance, mobile devices allow users to check
`email, send and receive instant messages, check calendar
`items, take notes, set up reminders, browse the internet, play
`games or perform any number of different things using spe
`cialized applications or "apps'. These applications allow
`mobile devices to communicate with other computer systems
`and perform a wide variety of network-connected tasks pre
`viously not possible with a mobile device.
`
`BRIEF SUMMARY
`
`10
`
`15
`
`25
`
`Embodiments described herein extend to methods, sys
`tems, and computer program products for a cloud-based
`transaction platform. Embodiments include an infrastructure
`that can be used with third party mobile wallets provided by
`third party mobile wallet providers. Users with native or third
`party mobile wallets can use the cloud-based transaction plat
`form to enroll a customer for a third party mobile wallet, add
`a stored value account (either hosted by the cloud-based
`transaction platform or a third party), add a bank/credit union
`account to a third party mobile wallet, add a debit/credit card
`account to a third party mobile wallet, deposit funds in a third
`party mobile wallet, withdraw funds from a third party mobile
`wallet, pay bills from a third party mobile wallet, top up a
`prepaid mobile account through a third party mobile wallet,
`transfer funds through a third party mobile wallet, and make
`in store purchases from a third party mobile wallet.
`Embodiments described herein are directed to performing
`a transaction using a third party mobile wallet, performing a
`transaction using a third party point of sale (POS) system and
`to making a purchase from a third party mobile wallet pro
`vided by a third party mobile wallet provider. In one embodi
`ment, a cloud-based transaction platform is provided, which
`receives communication from an agent terminal over a com
`munication channel connected to the cloud-based transaction
`platform. The agent communication indicates that a customer
`desires to perform a mobile wallet transaction using their
`third party mobile wallet. The cloud-based transaction plat
`form sends the agent communication to a third party mobile
`walletplatform, receives communication from the third party
`mobile wallet platform confirming processing of the transac
`tion, and sends communication to the agent terminal over a
`communication channel connected to the cloud-based trans
`action platform, where the communication indicates confir
`mation of the processing of the transaction.
`In another embodiment, a cloud-based transaction plat
`form performs a transaction using a third party point of sale
`(POS) system. The cloud-based transaction platform receives
`communication from a specified POS system implemented at
`
`30
`
`35
`
`40
`
`45
`
`50
`
`55
`
`60
`
`65
`
`2
`an agent terminal overa communication channel connected to
`the cloud-based transaction platform. The POS communica
`tion indicates that a customer has initiated a mobile wallet
`transaction using their third party mobile wallet. The cloud
`based transaction platform sends the POS communication to
`a corresponding third party POS transaction processing sys
`tem that has been established to process POS transactions
`from the specified POS system, receives communication
`from the third party POS transaction processing system con
`firming processing of the transaction, and sends communica
`tion to the specified POS system implemented at the agent
`terminal over a communication channel connected to the
`cloud-based transaction platform, where the communication
`indicates confirmation of the processing of the transaction.
`In yet another embodiment, a cloud-based transaction plat
`form is provided which allows users to make purchases from
`a third party mobile wallet provided by a third party mobile
`wallet provider. The cloud-based transaction platform
`receives communication from a customer over a communi
`cation channel connected to the cloud-based transaction plat
`form. The customer communication indicates that a customer
`desires to purchase an item for a specified amount of funds
`using a specified payment method indicated by the custom
`er's third party mobile wallet. The cloud-based transaction
`platform returns a secure, perishable purchase code to the
`customer over at least one the communication channels con
`nected to the cloud-based transaction platform and receives
`communication from an agent terminal over a communica
`tion channel connected to the cloud-based transaction plat
`form. The agent terminal communication indicates that the
`purchase code has been presented to an agent. The cloud
`based transaction platform then debits the customers third
`party mobile wallet by the specified amount of funds to com
`plete the purchase.
`This Summary is provided to introduce a selection of con
`cepts in a simplified form that are further described below in
`the Detailed Description. This Summary is not intended to
`identify key features or essential features of the claimed sub
`ject matter, nor is it intended to be used as an aid in determin
`ing the scope of the claimed Subject matter.
`Additional features and advantages will be set forth in the
`description which follows, and in part will be apparent to one
`of ordinary skill in the art from the description, or may be
`learned by the practice of the teachings herein. Features and
`advantages of embodiments described herein may be realized
`and obtained by means of the instruments and combinations
`particularly pointed out in the appended claims. Features of
`the embodiments described herein will become more fully
`apparent from the following description and appended
`claims.
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`To further clarify the above and other features of the
`embodiments described herein, a more particular description
`will be rendered by reference to the appended d