US 9208488

Patent Overview — US9208488B2

Title: Using a mobile wallet infrastructure to support multiple mobile wallet providers

Patent number: US9208488B2 | Application: US13/680,824 | Publication: US20130132219A1
Inventor: Michael A. Liberty
Original assignee: Mozido Inc; current assignee listed as Fintiv Inc
Priority date: 2011-11-21 | Filing date: 2012-11-19 | Grant/publication date: 2015-12-08 | Anticipated expiration: 2032-11-19 | Status: Active
Source: https://patents.google.com/patent/[US9208488](/patent/US9208488)/en

Purpose (plain language): The patent describes a cloud-based transaction platform that lets people use third-party mobile wallets — wallets made by outside providers — rather than only a native wallet. The platform acts as a middle layer: it receives a communication, forwards it to the relevant third-party wallet or point-of-sale (POS) processing system, gets confirmation back, and confirms to the agent terminal or user.

Scope described in the excerpt: The infrastructure is said to support enrolling a customer for a third-party wallet, adding a stored-value account, linking bank/credit-union or debit/credit card accounts, depositing and withdrawing funds, paying bills, topping up prepaid mobile accounts, transferring funds, and making in-store purchases. Three described flows are:

1. Agent-assisted transaction — the platform receives agent-terminal communication indicating a customer wants a mobile wallet transaction, sends it to a third-party mobile wallet platform, receives processing confirmation, and confirms back to the agent terminal.
2. Third-party POS transaction — the platform routes POS communication from an agent terminal to the corresponding third-party POS transaction processing system and returns confirmation.
3. Purchase using a third-party wallet — the platform receives customer communication indicating a desired item, amount, and payment method; returns a "secure, perishable purchase code"; receives agent-terminal communication that the code was presented; and debits the third-party wallet by the specified amount.

Classifications include G06Q20/36 (electronic wallets/e-money safes) and G06Q20/20 (POS network systems). FIG. 1 is described only as illustrating a monetary transaction system; the excerpt is truncated after that point.

What the excerpt does not establish: The claim text, dependent-claim limitations, specification details beyond the summary passages, drawing contents, and the identities or teachings of any cited references are not included. The excerpt therefore does not support statements about specific claim scope, validity, or prior art.