First Data Corporation

Brian Friedman

Todd Raymond Nuzum

Christopher T Cox

Roger Lynn Musfeldt

Norbert Gerfelder

Virginia G Sayor

A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account.

Mobile system and method for exchanging point value

Embodiments of the invention provide systems and methods for providing trusted service management services. According to one embodiment, a system can include a processor operable to execute computer-executable instructions to: generate a message generated based on a common messaging standard; transmit the message via a common gateway and corresponding interface; receiving, via the common gateway and corresponding interface, a response generated based on the common messaging standard; and process the response based on the common messaging standard.

Systems and methods for providing trusted service management services

Embodiments of the invention provide systems and methods for providing trusted service management services. According to one embodiment, a system can include at least one service provider gateway operable to receive and transmit messages with multiple service providers; at least one mobile network operator gateway operable to receive and transmit messages with multiple mobile network operators; at least one provisioning gateway operable to transmit mobile device application data with multiple mobile devices and to receive messages from the plurality of mobile devices. The system can further include a processor operable to execute computer-executable instructions to: facilitate service provider communications by providing a common service provider interface for the service providers; facilitate mobile network operator communications by providing a common mobile network operator interface for the mobile network operators; facilitate provisioning multiple mobile device applications with the mobile devices; and facilitate communications with the mobile devices.

Methods, systems, and machine readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a system for supporting mobile commerce applications can include a management and control layer. The management and control layer can be adapted to control communications to and from mobile wallet applications. The system can also have a gateway services layer communicatively coupled with the management and control layer and a plurality of content provider systems communicatively coupled with the gateway services layer. The content provider systems can be adapted to provide financial transaction content or services related to the mobile commerce functions of the mobile wallet applications via the management and control layer and gateway services layer.

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Omaha, NE, United States of America

Brian Friedman