Integrated System and Method For Enabling Mobile Commerce Transactions Using Active Posters and Contactless Identity Modules

Abstract

A method, integrated system and Active Poster for processing mobile touch transactions. The integration consists of an RFID or other near field communication enabled device which may be standalone, affixed to, or part of a mobile or hand held portable wireless communication device (optionally using a Contact Less (CL) SIM with near field communication capability), a touch sensitive Active Poster also with near field communication capability, an issuer's or mobile network provider's system and application and a host computer with networking capability.

1 . A method of facilitating a mobile commerce transaction in a system comprising:
 an active poster device comprising a first NFC component and at least one of a touch sensitive computer screen and a button;   a host computer in communication with said active poster device over at least one network,   a service provider server in communication with said host computer over the at least one network; and   said host computer configured to have a correspondence between a plurality of device identifiers and a plurality of user account numbers with said service provider,   wherein the method comprises:
 detecting proximity of a second NFC component by said first NFC component in said active poster device; 
 receiving a device identifier from said second NFC component by said first NFC component in said active poster device; 
 identifying a selected mobile commerce transaction by detecting a button operation or a touch on the touch sensitive computer screen of said active poster device; 
 generating a transaction identification code by said active poster device; said transaction identification code being unique for each mobile commerce transaction; 
 providing, by said active poster device, said transaction identification code and said device identifier to said host computer; 
 receiving, by said host computer, said transaction identification code and said device identifier, and identifying said user account with said service provider, either from records stored on said host computer or via communication with said service provider server, and communicating with said service provider server in order to request completion of the selected commerce transaction; and 
 periodically providing, by said host computer, instructions to the active poster device for identifying available transactions to be displayed on said computer screen of said active poster device. 
   
     
     
         2 . The method of  claim 1  further comprising an electronic device associated with a retailer capable of receiving communications from said service provider or said host computer over the at least one network; and, further including the step of completing said selected commerce transaction via said host computer or said service provider server communicating with said electronic device associated with a retailer. 
     
     
         3 . The method of  claim 1  wherein after said mobile commerce transaction has been performed said service provider server transmits a message over the at least one network to a wireless handheld communication device of a user confirming the completion of said mobile commerce transaction. 
     
     
         4 . The method of  claim 1  wherein said host computer configured is configured to verify said correspondence between said device identifier and said user's account by communication with said service provider server. 
     
     
         5 . The method of  claim 1  further comprising the step of said service provider completing the selected mobile commerce transaction. 
     
     
         6 . The method of  claim 1  further comprising the step of said service provider requesting a third-party retailer complete said selected mobile commerce transaction. 
     
     
         7 . The method of  claim 1  wherein said correspondence between said device identifier and said user's account with said service provider is manifested in a concordance table. 
     
     
         8 . The method of  claim 1  wherein the mobile commerce transaction comprises making a payment applied so as to increase the stored value of a prepaid account with the service provider. 
     
     
         9 . The method of  claim 1  wherein the mobile commerce transaction comprises making a payment to be applied against an outstanding balance of an account with the service provider. 
     
     
         10 . The method of  claim 1  wherein said mobile commerce transaction comprises making a payment to be applied against an outstanding balance to retailer where the service provider service has been used or purchased. 
     
     
         11 . A method of facilitating a mobile commerce transaction in a system comprising:
 an active poster device comprising a first NFC component and at least one of a touch sensitive computer screen and a button;   a host computer in communication with said active poster device over at least one network;   a service provider server in communication with said host computer over the at least one network; said service provide being a mobile network operator; and   wherein the method comprises:
 detecting proximity of a second NFC component by said first NFC component in said active poster device; 
 receiving a device identifier from said second NFC component by said first NFC component in said active poster device; 
 identifying a selected mobile commerce transaction involving requested content by detecting a button operation or a touch on the touch sensitive computer screen of said active poster device; 
 generating a transaction identification code by said active poster device; said transaction identification code being unique for each mobile commerce transaction; 
 providing, by said active poster device said transaction identification code and said device identifier to said host computer; 
 receiving, by said host computer, said information, and confirming the existence and validity of an account of a user with said service provider; and, 
 said service provider completing said transaction wherein said user account is debited for the commerce transaction by said service provider.