Abstract: In a transaction between a merchant and a customer, a mobile payment token is provided which includes a mobile payment indicator that indicates payment is to be facilitated by interaction with a customer mobile device, and a mobile device identifier that uniquely identifies the customer mobile device. The mobile payment token is provided in a transaction message to a transaction processing component in place of, and consistent with a format of, a primary account number (PAN). The transaction processing component, upon determining the transaction message contains a mobile payment indicator, sends the mobile device identifier to a mobile payment server which uses the mobile device identifier to interact with the customer mobile device to facilitate the payment transaction. Based on a reply from the customer mobile device, the mobile payment server provides information to the transaction processing component to complete the transaction.

Abstract: In a computer system having multiple servers, services are coordinated among nodes as a result of each node tracking the node state of each other node (such as the services it currently performs) and performing coordinator functions (such as controlling which servers provide which services) only if it determines itself to be a coordinator node and only if all nodes are in agreement as to the node state of every node. Each node communicates, to each of the other nodes, its node state, a coordinator node identifier indicating which node it has determined to be the coordinator node, and a global state of all nodes it determines based on the node states and coordinator nodes of all the nodes. A node performs coordinator functions only if it is a coordinator node and only if all nodes have the same global state.

Abstract: In a purchase transaction between a merchant and a customer, a merchant device sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a customer mobile device. The customer mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the merchant device and sends purchase information based on the transaction information to the customer mobile device. The customer mobile device displays the purchase information to the customer, obtains an indication of customer assent to pay for the item and sends a confirmation of customer assent to the payment gateway. Upon receiving the confirmation of customer assent from the customer mobile device, the payment gateway Processes the purchase transaction based on the payment account information.

Abstract: The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction.

Abstract: The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction.

Abstract: A communication system includes a development sector for registering a plurality of wireless devices, a business sector for controlling utilization of an application program and for receiving application data, a service sector for deploying the application program and for providing the application data to the business sector in accordance with communication with at least one wireless device of the plurality; and a mobile sector comprising the plurality of wireless devices, each device for receiving the application program deployed by the service sector, executing the application program in response to the business sector, and communicating with the service sector to support provision of the application data to the business sector. The wireless device, such as a cell phone, personal digital assistant, or palm top computer may include an auxiliary device such as a bar code scanner, a magnetic stripe card reader, or a printer.

Abstract: In a transaction between a merchant and a customer, a mobile payment token is provided which includes a mobile payment indicator that indicates payment is to be facilitated by interaction with a customer mobile device, and a mobile device identifier that uniquely identifies the customer mobile device. The mobile payment token is provided in a transaction message to a transaction processing component in place of, and consistent with a format of, a primary account number (PAN). The transaction processing component, upon determining the transaction message contains a mobile payment indicator, sends the mobile device identifier to a mobile payment server which uses the mobile device identifier to interact with the customer mobile device to facilitate the payment transaction. Based on a reply from the customer mobile device, the mobile payment server provides information to the transaction processing component to complete the transaction.

Abstract: In a transaction between a merchant and a customer, a mobile payment token is provided which includes a mobile payment indicator that indicates payment is to be facilitated by interaction with a customer mobile device, and a mobile device identifier that uniquely identifies the customer mobile device. The mobile payment token is provided in a transaction message to a transaction processing component in place of, and consistent with a format of, a primary account number (PAN). The transaction processing component, upon determining the transaction message contains a mobile payment indicator, sends the mobile device identifier to a mobile payment server which uses the mobile device identifier to interact with the customer mobile device to facilitate the payment transaction. Based on a reply from the customer mobile device, the mobile payment server provides information to the transaction processing component to complete the transaction.

Abstract: In a transaction between a merchant and a customer, a mobile payment token is provided which includes a mobile payment indicator that indicates payment is to be facilitated by interaction with a customer mobile device, and a mobile device identifier that uniquely identifies the customer mobile device. The mobile payment token is provided in a transaction message to a transaction processing component in place of, and consistent with a format of, a primary account number (PAN). The transaction processing component, upon determining the transaction message contains a mobile payment indicator, sends the mobile device identifier to a mobile payment server which uses the mobile device identifier to interact with the customer mobile device to facilitate the payment transaction. Based on a reply from the customer mobile device, the mobile payment server provides information to the transaction processing component to complete the transaction.

Abstract: In a purchase transaction, a personal computer operated by a shopping customer sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a mobile device operated by a paying customer who may be the same or different from the shopping customer. The mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the personal computer and sends purchase information based on the transaction information to the mobile device. The mobile device displays the purchase information to the paying customer, obtains an indication of assent to pay for the item and sends a confirmation of the assent to the payment gateway. Upon receiving the confirmation of assent, the payment gateway processes the purchase transaction based on the payment account information.

Abstract: In a purchase transaction, a shopping mobile customer device operated by a shopping customer sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a paying mobile customer device operated by a paying customer who may be the same or different from the shopping customer. The paying mobile customer device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information and sends purchase information based on the transaction information to the paying mobile customer device which displays the purchase information to the paying customer, obtains an indication of assent to pay for the item and sends a confirmation of the assent to the payment gateway. Upon receiving the confirmation of assent, the payment gateway processes the purchase transaction based on the payment account information.

Abstract: In a computer system having multiple servers, services are coordinated among nodes as a result of each node tracking the node state of each other node (such as the services it currently performs) and performing coordinator functions (such as controlling which servers provide which services) only if it determines itself to be a coordinator node and only if all nodes are in agreement as to the node state of every node. Each node communicates, to each of the other nodes, its node state, a coordinator node identifier indicating which node it has determined to be the coordinator node, and a global state of all nodes it determines based on the node states and coordinator nodes of all the nodes. A node performs coordinator functions only if it is a coordinator node and only if all nodes have the same global state.

Abstract: In a purchase transaction between a merchant and a customer, a merchant device sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a customer mobile device. The customer mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the merchant device and sends purchase information based on the transaction information to the customer mobile device. The customer mobile device displays the purchase information to the customer, obtains an indication of customer assent to pay for the item and sends a confirmation of customer assent to the payment gateway. Upon receiving the confirmation of customer assent from the customer mobile device, the payment gateway Processes the purchase transaction based on the payment account information.

Abstract: In a purchase transaction between a merchant and a customer, a merchant device sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a customer mobile device. The customer mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the merchant device and sends purchase information based on the transaction information to the customer mobile device. The customer mobile device displays the purchase information to the customer, obtains an indication of customer assent to pay for the item and sends a confirmation of customer assent to the payment gateway. Upon receiving the confirmation of customer assent from the customer mobile device, the payment gateway processes the purchase transaction based on the payment account information.

Abstract: In a purchase transaction between a merchant and a customer, a merchant device sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a customer mobile device. The customer mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the merchant device and sends purchase information based on the transaction information to the customer mobile device. The customer mobile device displays the purchase information to the customer, obtains an indication of customer assent to pay for the item and sends a confirmation of customer assent to the payment gateway. Upon receiving the confirmation of customer assent from the customer mobile device, the payment gateway processes the purchase transaction based on the payment account information.