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Methods, systems and computer readable media for electronically delivering a prepaid card to a mobile device

A mobile device, electronic transmission technology, applied in the direction of prepayment scheme, computing, payment architecture, etc., can solve the problem of limitation and so on

Inactive Publication Date: 2011-11-09
MASTERCARD INT INC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Also, gifting prepaid cards to recipients is often limited to traditional mailing services

Method used

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  • Methods, systems and computer readable media for electronically delivering a prepaid card to a mobile device
  • Methods, systems and computer readable media for electronically delivering a prepaid card to a mobile device
  • Methods, systems and computer readable media for electronically delivering a prepaid card to a mobile device

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Embodiment Construction

[0014] To eliminate the need for users to carry a physical card (eg, a credit card), card issuers began making soft cards available to the public. As used herein, the term "soft card" refers to a software-implemented entity that facilitates transactions, such as payment transactions. Examples of soft cards include payment cards such as credit cards, loyalty cards, membership cards, identification cards, and other payment and non-payment cards in electronic or software-based form.

[0015] A soft card may be provided on a device with wireless communication capabilities. Devices with wireless communication capabilities are typically configured to interface with wireless card readers to support transactions involving soft cards. Examples of devices with wireless communication capabilities include mobile phones, smart phones, key fobs, physical cards, and personal digital assistants with an interface to a local card reader. Interaction between the device and the reader may occur...

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PUM

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Abstract

Methods, systems, and computer readable media for electronically delivering a prepaid card to a mobile device are disclosed. According to one aspect, the method includes receiving, at a merchant server, purchase information related to the purchase of an electronic prepaid card. The method further includes receiving, from the merchant server, electronic prepaid card information derived from the purchase information. The method further includes establishing a communications link with a mobile device associated with address data included in the electronic prepaid card information. The method also includes provisioning the electronic prepaid card information on the mobile device via over the air (OTA) communications.

Description

[0001] related application [0002] This application claims the benefit of US Patent Application No. 12 / 190,564, filed August 12, 2008, the entire disclosure of which is incorporated herein by reference. technical field [0003] The subject matter described herein relates to electronic prepaid cards using short message service (SMS) messaging and over-the-air (OTA) provisioning. More specifically, the subject matter described herein relates to methods, systems, and computer-readable media for electronically transferring prepaid cards to mobile devices. Background technique [0004] Currently, the primary method for purchasing a prepaid card, such as a gift card, involves the consumer visiting a physical store, selecting a physical prepaid card, and conducting a normal purchase transaction with a cashier. Alternatively, a consumer may purchase a prepaid card over the Internet by using a personal computer to visit the merchant's website and conduct a secure electronic payment...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/00G06Q20/00
CPCG06Q20/32G06Q20/20G06Q20/28G06Q30/06G06Q20/327G06Q40/02G06Q20/351G06Q30/02G06Q20/02G06Q20/3227H04W12/04G06Q20/3265H04W12/35
Inventor P·库马尔
Owner MASTERCARD INT INC