Enrollment and registration of a device in a mobile commerce system

Abstract

Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.

What is claimed is: 
     
         1 . A point of sale device, comprising:
 a near field communication (NFC) interface;   a processor; and   a memory configured to store instructions thereon that, when executed by the processor cause the point of sale device to:
 receive, using the NFC interface, information related to a financial account, wherein the information related to the financial account is provided by an NFC interface of a mobile device that is positioned within a signal range of the NFC interface of the POS device; 
 send an authentication request to one or more acquirer systems, the authentication request comprising at least a portion of the information related to the financial account; 
 receive an approval message from at least one of the one or more acquirer systems in response to the authentication request; and 
 provide an electronic receipt to the mobile device based on receiving the approval message. 
   
     
     
         2 . The point of sale device of  claim 1 , wherein the instructions further cause the point of sale device to:
 at a later time, receive the electronic receipt from the mobile device using the NFC interface of the POS device; and   process a return based on the electronic receipt.   
     
     
         3 . The point of sale device of  claim 1 , wherein the instructions further cause the point of sale device to:
 encrypt contents of the electronic receipt.   
     
     
         4 . The point of sale device of  claim 1 , wherein:
 the approval message is provided to a mobile wallet application of the mobile device.   
     
     
         5 . The point of sale device of  claim 1 , wherein the instructions further cause the point of sale device to:
 receive, using the NFC interface, information for authenticating one or both of the user of the mobile device or the mobile device, wherein the authentication request further comprises the information for authenticating one or both of the user of the mobile device or the mobile device.   
     
     
         6 . The point of sale device of  claim 1 , wherein the instructions further cause the point of sale device to:
 acquire an identifier of the mobile device, wherein the POS device provides the electronic receipt to the mobile device over a wireless network using the identifier of the mobile device.   
     
     
         7 . The point of sale device of  claim 1 , wherein:
 the electronic receipt is provided to the mobile device using the NFC interface of the POS device.   
     
     
         8 . A method of operating a point of sale (POS) device, comprising:
 receiving, using a near field communication (NFC) interface of a POS device, information related to a financial account, wherein the information related to the financial account is provided by an NFC interface of a mobile device that is positioned within a signal range of the NFC interface of the POS device;   sending, by the POS device, an authentication request to one or more acquirer systems, the authentication request comprising at least a portion of the information related to the financial account;   receiving, at the POS device, an approval message from at least one of the one or more acquirer systems in response to the authentication request; and   providing, by the POS device, an electronic receipt to the mobile device based on receiving the approval message.   
     
     
         9 . The method of operating a point of sale (POS) device of  claim 8 , further comprising:
 receiving, using the NFC interface of the POS device, information for authenticating one or both of the user of the mobile device or the mobile device, wherein the authentication request further comprises the information for authenticating one or both of the user of the mobile device or the mobile device.   
     
     
         10 . The method of operating a point of sale (POS) device of  claim 9 , wherein:
 the information for authenticating one of both of the user of the mobile device or the mobile device comprises an identity credential associated with the user of the mobile device.   
     
     
         11 . The method of operating a point of sale (POS) device of  claim 9 , further comprising:
 acquiring, by the POS device, an identifier of the mobile device, wherein the POS device provides the electronic receipt to the mobile device over a wireless network using the identifier of the mobile device.   
     
     
         12 . The method of operating a point of sale (POS) device of  claim 11 , wherein:
 the identifier of the mobile device is acquired via the NFC interface of the POS device.   
     
     
         13 . The method of operating a point of sale (POS) device of  claim 11 , wherein:
 the identifier of the mobile device is acquired via manual input into the POS device.   
     
     
         14 . The method of operating a point of sale (POS) device of  claim 9 , wherein:
 the electronic receipt is provided to the mobile device using the NFC interface of the POS device.   
     
     
         15 . A non-transitory computer readable media having instructions stored thereon that, when executed by a processor of a point of sale (POS) device cause the POS device to:
 receive, using a near field communication (NFC) interface of a POS device, information related to a financial account, wherein the information related to the financial account is provided by an NFC interface of a mobile device that is positioned within a signal range of the NFC interface of the POS device;   send an authentication request to one or more acquirer systems, the authentication request comprising at least a portion of the information related to the financial account;   receive an approval message from at least one of the one or more acquirer systems in response to the authentication request; and   provide an electronic receipt to the mobile device based on receiving the approval message.   
     
     
         16 . The non-transitory machine readable media of  claim 15 , wherein:
 the approval message comprises the electronic receipt.   
     
     
         17 . The non-transitory machine readable media of  claim 16 , wherein the instructions cause the POS device to:
 modify the electronic receipt prior to providing the electronic receipt to the mobile device.   
     
     
         18 . The non-transitory machine readable media of  claim 17 , wherein:
 modifying the electronic receipt comprises adding information related to one or more of items purchase or a price per item.   
     
     
         19 . The non-transitory machine readable media of  claim 15 , wherein the instructions cause the POS device to:
 generate the electronic recipe at the POS device, the electronic receipt comprising information from the approval message and transaction specific information.   
     
     
         20 . The non-transitory machine readable media of  claim 15 , wherein:
 the electronic receipt comprises one or more of a dollar amount for a transaction associated with the authentication request, a time, a date, or payee information.