US 8,170,527 B2
`(10) Patent No.:
`a2) United States Patent
`Granucciet al.
`(45) Date of Patent:
`May1, 2012
`
`
`US008170527B2
`
`(75)
`
`(54) REAL-TIME BALANCE ON A MOBILE
`PHONE
`Inventors: Nicole Janine Granucci, San Francisco,
`CA (US): Carrie Elaine Vriheas, San
`Francisco, CA (US); Ayman A.
`Hammad, Pleasanton, CA (US)
`,
`,
`.
`.
`.
`:
`3
`:
`:
`(73) Assignee: Visa U.S.A. Inc., San Francisco, CA
`(US)
`
`(*) Notice:
`
`(21) Appl. No.:
`ppl.
`(22)
`Filed:
`
`No.:
`
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 702 days.
`11/904,409
`*
`Sep. 26, 2007
`
`5,327,508 A
`5,353,218 A
`§,359,183 A
`5
`Resto1s ,
`5,420,606 A
`5,430,644 A
`5,448,471 A
`5,465,206 A
`5,477,038 A
`5483.444 A
`5,500,513 A
`5,502,636 A
`5,530,438 A
`
`7/1994 Deatonetal.
`10/1994 DeLapaetal.
`10/1994 Skodlar
`‘tose Nichibesscret al.
`5/1995 Begum etal.
`7/1995 Deaton etal.
`9/1995
`Ieatonetal.
`11/1995 Hili eval.
`12/1995 Levi
`tal.
`1/1996 Heintveman etal.
`3/1996 Langhansetal.
`3/1996 Clarke
`6/1996 Bickham etal.
`(Continued)
`
`EP
`
`FOREIGN PATENT DOCUMENTS
`1096 439 A2
`5/2001
`(Continued)
`
`OTHER PUBLICATIONS
`Prior Publication Data
`(65)
`
`US 2009/0081990 Al ‘Technical Manual”,—http://www.bonusdata.net/Mar. 26, 2009 “GSMVend
`
`
`IntusJunior/GSMVend/gsmvend.htm, 14 pages.
`;
`Int. CL.
`(Continued)
`(2006.01)
`HO4M 11/00
`Geli
`(52) US.Ch ..... 455/406; 455/407; 455/408; 455/466; oy Jean
`705/37; 705/38; 705/30; 705/39; 705/40
`PUNOFY EXONEL ACO
`(58) Field of Classification Seareh......... 455/405-4097,
`(74) Attorney, Agent, or Firm — Kilpatrick Townsend &
`455/410, 411; 705/30, 37, 40, 5,7,39
`Stockton
`See application file for complete search history.
`(57)
`
`ABSTRACT
`
`(51)
`
`(56)
`
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`input on the mobile phone. After retrieving an encoded cur-
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`current balance maybecalculated by the phoneaftera trans-
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`.
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`cations Systems, Conestoga College, 33 pages.
`Press Release, “Three months after California release, Cellfire™
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`cellfire.com/about-us/articles/2006-03-22__redemption-rate,
`2
`pages.
`Purdyet al., “When Mobile Coupons Replace Paper Coupons, Every-
`one Wins,” pp. 1-17 published by Frost & Sullivan.[online]. info.
`cellfire.com, May 11, 2007, [Retrieved from the Internet: URL:
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`info.cellfire.com/cellfire/themes/cellfire/downloads/When_
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`* cited by examiner
`
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`

`

`U.S. Patent
`
`May1, 2012
`
`Sheet 1 of 8
`
`US 8,170,527 B2
`
`1000
`
`¥ ull
`
`TT)
`
`VISA
`
`Prepaid Balance:
`
`1006a FIG. 1A
`
`1002
`
` GOOG-1012
`
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`

`U.S. Patent
`
`May1, 2012
`
`Sheet 2 of 8
`
`US 8,170,527 B2
`
`1004
`
`iT
`
`1000
`
` ¥ all
`
`VISA
`
`Prepaid Balance:
`
`1002
`
`1018
`
`1006
`
`1010
`
`1012
`
`
`
`1016
`
`
`
`
`
`
`
`
` Cellular
`ransceive
`
`Non-Volatile
`
`
`
`Prog. Memo
`
`1022
`
`1024
`
`RF
`
`Transceiver
`
`Power Supply
`
`1014
`
`1020
`
`
`
`FIG. 1B
`
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`

`

`U.S. Patent
`
`May1, 2012
`
`Sheet 3 of 8
`
`US 8,170,527 B2
`
`2000
`[?
`
`| l | |I || | |
`
`! |l | l | I I I I
`
`Consumer
`
`Prepaid
`Payment
`Phone
`
`Merchant
`
`Issuer
`
`Acquirer
`(e.g. commercial
`bank)
`
`Payment
`
`Processor
`
`Google LLC v. RFCyber Corp. / Page 7 of 16
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`U.S. Patent
`
`May1, 2012
`
`Sheet 4 of 8
`
`US 8,170,527 B2
`
`
`
` Prepaid
`Payment
`
`Phone
`
`3000
`[2
`
`
`
`
`
`
`
`Merchant's
`Card Point-of-Sale
`Private
`ReadMrriter
`Network
`
`Merchant (2200)
`
`
`
`
`Merchant
`Central
`Computer
`
`
`
`Hot List Storage
`2240
`
`Issuer
`
`Payment
`Processor
`
`Acquirer
`q
`
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`U.S. Patent
`
`May1, 2012
`
`Sheet 5 of 8
`
`US 8,170,527 B2
`
`4000
`
`Provide prepaid
`phone transaction
`data
`
`balance
`
`Subtract
`transaction
`amount from
`balance of
`prepaid phone
`
`Store remaining
`
`FIG. 4
`
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`

`U.S. Patent
`
`May1, 2012
`
`Sheet6 of 8
`
`US 8,170,527 B2
`
`9000
`
`Read transaction
`data from
`prepaid phone
`
`(?
`
`
`
`Valid
`Transaction Report Error
`
`
`
`
`Transaction
`
`Send phone
`SMS message
`with remaining
`balance
`
`FIG. 5
`
`
`
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`U.S. Patent
`
`May1, 2012
`
`Sheet 7 of 8
`
`US 8,170,527 B2
`
`6000
`I"
`
`Provide prepaid
`phone transaction
`data
`
`balance
`
`Receive
`remaining
`balance of
`prepaid phone
`
`Store remaining
`
`FIG. 6
`
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`U.S. Patent
`
`May1, 2012
`
`Sheet 8 of 8
`
`US 8,170,527 B2
`
`7000
`(>
`
`
`
`Prompt for
`PIN number
`
`Valid
`
`PIN number Report Error
`
`
`
`
`
`Display remaining
`prepaid balance
`
`FIG. 7
`
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`US 8,170,527 B2
`
`1
`REAL-TIME BALANCE ON A MOBILE
`PHONE
`
`BACKGROUND
`
`— 0
`
`e 5
`
`1. Field of the Invention
`Aspects of the present invention relate in generalto finan-
`cial services. Aspects include a prepaid payment mobile
`phone apparatus, system, method and computer-readable
`medium configured to display a real-time prepaid payment
`balance. Further aspects of the invention include a method of
`storing and displaying a real-time prepaid payment balance
`on a mobile phone.
`2. Description of the Related Art
`The traditional paper “gift-certificate” is gradually being
`replaced by prepaid payment mobile phones
`debit-account
`mobile phones with a set limited value associated with a
`Primary Account Number (PAN). Some mobile phone debit
`accounts are affiliated with a particular vendor, such as a
`departmentstore, supermarket or restaurant; yet other mobile 2
`phonedebit accountsare affiliated with an acquirer, payment
`processor, or otherissuer.
`When a mobile phone customer makes a purchase, the
`prepaid payment mobile phone maybe used to payfor the
`transaction. If the purchase amount equals or exceeds the :
`value of the prepaid payment mobile phone, the customer
`simplypays the excess amount using cash, credit card, debit
`card, or other financial instrument accepted by the vendor.
`However, when the purchase amountis less than the value of
`the prepaid payment mobile phone account, the purchase
`price is simply subtracted from the prepaid payment mobile
`phone account balance, and a new balance remainsassociated
`with the mobile phone.
`Mobile phone customers who carry prepaid payment
`mobile phones are often unaware of the debit balance of a
`prepaid payment mobile phone, especially on non-relaadable
`mobile phone products. While some issuer and acquirers
`mandate support for balance inquiries for some gift mobile
`phonesand incentive mobile phones, such support is optional
`at merchants.
`Whenissuers fail to support these enhancements, or when
`merchants do not support them, mobile phone customers are
`restricted to spending the amount that is available on the
`mobile phone within one transaction often without knowing
`the balance in advance.
`Whenissuers, acquirers, and processors do not support
`these enhancements at the point-of-sale, the consumer is
`inconvenienced, and the process breaks down. Consumer
`frustration is common, resulting in higher amounts of break-
`age (resulting in unrecognized sales volume), and alternate
`forms ofpaymentbeing used. Worse, consumersare discour-
`aged from purchasing more prepaid payment mobile phones.
`In the re-loadable prepaid mobile phonecategory, the only
`way a consumer can determine their balance on a mobile
`phoneis bycalling their mobile phoneissuer/third parly agent
`or looking up the informationonline.
`
`40
`
`45
`
`55
`
`2
`encoded within, the mobile phone displays the current bal-
`ance. The balance may be calculated after a payment trans-
`action or received as a message from an acquirer, payment
`network, or issuer.
`
`
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`FIGS. 1A-Billustrate an embodimentofa prepaid payment
`mobile phone configured to display the current balance.
`FIG. 2 is a block diagram of a system embodiment to
`support the display of a current debit balance on a prepaid
`payment mobile phone.
`FIG. 3 is an expanded view of a merchant’s system
`embodimentto support the display of the current debit bal-
`ance on a prepaid payment mobile phone.
`FIG. 4 is a flow chart of a mobile phone process embodi-
`ment configured to calculate and store balance information
`after a paymenttransaction.
`FIG. 5 illustrates a process embodiment sends a prepaid
`payment mobile phone balance information after a payment
`transaction.
`FIG. 6 is a flow chart of a mobile phone-writer process
`embodimentthat stores balance information.
`FIG. 7 illustrates a process embodiment to display the
`current debit balance of a prepaid payment mobile phone.
`
`DETAILED DESCRIPTION
`
`Oneaspect ofthe present invention includesthe realization
`that displaying a real-time balance on a prepaid payment
`mobile phone reducesthe cost of issuers supporting balance
`inquiry and balance returns from mobile phone customers.
`With the balance on a mobile phonedisplay solution, mobile
`phonecustomers would be able to check their balance at any
`time, generating a higher volume of unplanned purchases,
`and potentially a higher amount of re-loads at the point of
`sale.
`Embodiments of the present invention include a mobile
`phone apparatus, system, method, and computer-readable
`medium configured to support the real-time displayof a debit
`balance on a prepaid payment mobile phone. Other embodi-
`ments of the present invention may include remote terminals
`configured to support the real-time display of a debit balance
`on a prepaid payment mobile phone.
`Turning to FIGS. 14-B, these figures depict a prepayment
`mobile phone 1000 configured to display of a balance on a
`real-time balance, constructed and operative in accordance
`with an embodimentofthe present invention. In this example,
`prepayment mobile phone 1000 is depicted as a two-piece
`“flip” phone, but it is understood that the principles herein
`maybe applied to any style mobile phone capable ofelec-
`tronic payment.
`As shown in FIG. 1A, the payment mobile phone 1000
`includesa housing 1002, a display 1004, and an input 1006. It
`is understood that housing 1002 may comprise one or more
`components. Some embodiments of housing 1002 may be
`plastic or any other suitable material knownintheart.
`Display 1004 may be a liquid crystal display (LCD), light-
`emitting-diode (LED), organic light-emitting-diode (OLED),
`surface-conduction electron-emitter display (SED), digital
`light processing (DLP), interferometric modulator display
`(MOD)or any other display knowninthe art that can be used
`within the formfactor required bythe payment mobile phone
`1000.
`Input 1006 maybe anysensor or input device known in the
`art, including, but not limited to buttons 1006qa, trackballs
`
`SUMMARY
`
` Embodiments of the invention include a system, method
`and prepaid payment mobile phone configured to display a
`current debit balance. A remarkable aspectof the inventionis
`that a prepaid balanceretrieved from an issuer and stored at
`the prepaid payment mobile phone, as generally no such
`informationis ever stored on such phones. The prepaid pay-
`ment mobile phonereceives a balance request from a button
`on the mobile phone. After retrieving the current balance
`
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`US 8,170,527 B2
`
`2
`
`mB wu
`
`36
`
`40
`
`45
`
`4
`3
`structed and operative in accordance with an embodiment of
`10064, scroll-wheels 1006c, touch-padsorthe like. In some
`the present invention. A customer 2100 receives a prepaid
`embodiments, input 1006 and display 1004 may be merged as
`payment mobile phone 1000. In someinstances the mobile
`a touch-screeninput device.
`phone 1000 is purchased from an issuer 2500;
`in other
`Internal components of payment mobile phone 1000 are
`instances the customer receives the mobile phone 1000 indi-
`shownin FIG. 1B. Contained within housing 1002, a proces-
`rectly from the issuer 2500, as a gift or as the result of a
`sor or central processing unit 1008 is electrically coupled to
`promotion. When the customer 2100 uses the prepaid pay-
`the display 1004, input 1006, Read-Only-Memory (ROM)
`ment mobile phone 1000 at a merchant 2200 to pay for a
`1010, Random Access Memory (RAM) 1012, a non-volatile
`product or service, the merchant 2200 contacts an acquirer
`programmable memory 1014, input/output circuitry 1016, an
`2300 (for example, a commercial bank) to determine whether
`input/output port 1018. power supply 1020, cellular trans-
`there is sufficient funds on the mobile phoneto pay for the
`ceiver 1022, and radio-frequency transceiver 1024. It
`is
`transaction or a portion ofthe transaction. The acquirer 2300
`understood by those familiar with the art that someorall of
`forwardsthe details of the paymenttransaction to a payment
`these elements may be embedded together in some combina-
`processor 2400 [or processing. Payment processor may be
`tion as an integrated circuit (IC).
`any payment network knownin the art. An example of a
`Processor 1008 maybe any central processing unit, micro-
`payment networkincludes,but is not limited to: Visa™, Mas-
`processor, micro-controller, computational device or circuit
`knownintheart.
`terCard!™, American Express!“, Club™, or Discover™. In
`some instances,
`the payment processor 2400 determines
`Read only memory 1010 is embedded with an operating
`whetherthe transaction should be allowed; in other instances,
`system.
`n> D
`the payment processor 2400 queries the 2500 to determine
`Non-volatile programmable memory1014 is configured to 2
`whether the prepayment mobile phone has cnough funds to
`be an application memory device, and maystore information
`allow the transaction.
`such as the primary account number and/or current debit
`FIG.3 depicts merchant 2200 in greater detail, where mer-
`balance information. Examples of non-volatile program-
`chant 2200 includes a system to support the display of a
`mable memory 1014 include, but not limited to: a magnetic
`real-time prepaid payment balance on a mobile phone, con-
`stripe, flash memory, Electrically Erasable Programmable 2
`structed and operative in accordance with an embodiment of
`Read-Only Memory (EEPROM), or any other non-volatile
`the present invention. As shown, in FIG. 3, merchant 2200
`computer memoryor storage knownin theart.
`comprises a mobile phone point-of-sale read/writer 2210 that
`Randomaccess memory 1012 is any temporary memory
`communicated with a merchant central computer 2230 via the
`storage medium element knownin the art. Randomaccess
`merchant’s private network 2220. In some embodiments,
`memoryis usually (but does not have to be) volatile memory.
`merchant central computer 2230 may be coupled to hotlist
`The processor 1008, the read only memory 1010, the ran-
`storage 2240.
`dom access memory 1012 and the non-volatile program-
`Mobile phonepoint-of-sale read/writer 2210 is any device
`mable memory 1014 may coupled to one another through an
`capable of reading a personal account numberoff a prepaid
`internal bus system. Data can be interchanged between the
`payment mobile phone 1000, and write balance information
`input/output unit 1016, the processor 1008 and the non-vola-
`to the prepaid payment mobile phone 1000.
`tile programmable memory 1014. Furthermore, data can be
`Merchant central computer 2230 is a networked device
`interchanged between the processor 1008 and the non-vola-
`capable of communicating transaction data with mobile
`tile programmable memory1014.
`phone point-of-sale read/wriler 2210 and transmitting the
`Additionally, in some embodiments, the input/output cir-
`transaction data over network 3100 to acquirer 2300.
`cuitry 1016 is further coupled to an input/output port 1018
`Hotlist storage 2240 maybe anylist, database, or memory
`being formed in a surface area of the plastic housing 1002.
`structure containing either invalid or valid primary account
`Input/output port 1018 may be any data communicationsport
`numbers.
`known in theart, including. but not limited to: a serial port, a
`Operation of these prepayment mobile phone and system
`parallel port, a Universal Serial Bus (USB)interface, an the
`
`embodiments of the present invention may beillustrated by
`Institute of Electrical and Electronics Engineers (IEEE) 1394
`example.
`(“firewire”) interface, or any port knowninthe art.
`We nowturn our attention to method or process embodi-
`Cellular transceiver 1022 may be any cellular, personal
`ments. It is understood by those knowninthe art that instruc-
`communications system (PCS), Global System for Mobile
`Communications (GSM), General Packet Radio Service
`tions for such method embodiments maybe stored on a non-
`volatile programmable memory 1014 and executed by a
`(GPRS), Enhanced Data for GSM Evolution (EDGE), Code
`processor 1008.
`Division Multiple Access (CDMA), Wideband Code Divi-
`FIG. 7 illustrates a process embodiment to display the
`sion Multiple Access (WCDMA), Frequency Division Mul-
`current debit balance of a prepaid payment mobile phone
`tiple Access (FDMA), Orthogonal Frequency-Division Mul-
`1000, constructed and operative in accordance with an
`tiplexing (ODI'M), or any other wireless communications
`embodimentof the present invention. When a user wants to
`protocol! knownintheart able to support voice communica-
`tions.
`know the balance ofprepaid payment mobile phone 1000, the
`user requests the balance through pressing button 1006. The
`Radio frequency transeciver 1024 may use any wireless
`mobile phone reccives the balance request, block 7002.
`data protocol knownin theart, such as: Bluctooth, Wireless
`In mobile phone 1000 embodimentsthat utilize a personal
`Application Protocol (WAP), IEEE 802.11 (“WiFi”), IEEE
`identification number (PIN), display 1004 prompts the user
`802.16 (“WiMax”), or any other wireless data communica-
`tions standard knownintheart.
`for the PIN number, block 7004. The personal identification
`Power supply 1020 maybe any electrical power supply,
`number maybestored in non-volatile programmable memory
`
`includingabattery, fuel cell, long-term capacitoror anyother 1014. At this point, the user may enter a PIN numberusing
`buttons 1006a.
`power storage knownin the art. Power supply 1020 may be
`65
`recharged by applying a direct current voltage.
`In some embodiments, an error messageis displayed when
`an invalid PIN number is entered, block 7010, and flow
`FIG. 2 illustrates a system to support the display of a
`returns to block 7004.
`real-time prepaid payment balance on a mobile phone, con-
`
`
`
`55
`
`)
`
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`US 8,170,527 B2
`
`:
`
`36
`
`35
`
`5
`Upon receipt of a valid PIN numberas determinedat deci-
`sion block 7006, the display shows the remaining prepaid
`balance, block 7008.
`Turning to FIG. 4, a flow chart depicts a mobile phone-
`writer process embodiment configured to calculate and store
`balance information on a prepaid payment mobile phoneafter
`a payment transaction, constructed and operative in accor-
`dance with an embodimentof the present invention.
`When a prepaid payment mobile phone 1000 is presented
`for paymentat a merchant 2200, the primary account number
`and other data may be read at a mobile phone point-of-sale
`read/writer 2210, block 4002. The mobile phone 1000 maybe
`presentedin a variety of different methods, suchas transmit-
`ling personal account data or via a contactless (‘paywave”’)
`radio-frequency presentation, as are knownintheart.
`The transaction amount is subtracted from