Mobile-to-mobile device interactions

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 . An acquirer system, comprising:
 at least one processor; and   a memory configured to store instructions thereon that, when executed by the at least one processor cause the acquirer system to:
 receive an authorization request from a first mobile device, the authorization request comprising information identifying a first financial account from which a payment is requested; 
 determine whether the authorization request is approved; 
 receive from a second mobile device a communication identifying a second financial account to which the payment is directed; 
 generate a payment notification message; 
 identify a system that maintains the second financial account based on the communication; and 
 send the payment notification message to the system that maintains the financial account based on the determination that the authentication request is approved to initiate payment from the first financial account to the second financial account. 
   
     
     
         2 . The acquirer system of  claim 1 , wherein the instructions further cause the acquirer system to:
 identify a payment manager based on the information identifying the first account, wherein determining whether the authorization request is approved comprises:
 sending the authorization request to the payment manager; and 
 receiving an approval message from the payment manager in response to the authorization request. 
   
     
     
         3 . The acquirer system of  claim 1 , wherein:
 the authorization request further comprises information identifying the second financial account.   
     
     
         4 . The acquirer system of  claim 1 , wherein:
 the authorization request further comprises identity credentials associated with one or both of the second mobile device or a user of the second mobile device.   
     
     
         5 . The acquirer system of  claim 4 , wherein
 the identity credential comprise a phone number associated with the second mobile device.   
     
     
         6 . The acquirer system of  claim 1 , wherein:
 the authorization request is received from a mobile wallet application of the first mobile device; and   the communication is received from a mobile wallet application of the second mobile device.   
     
     
         7 . The acquirer system of  claim 1 , wherein:
 at least one of the first financial account and the second financial account is a stored value account.   
     
     
         8 . A method of facilitating interactions between multiple mobile devices, comprising:
 receiving, at an acquirer system, an authorization request from a first mobile device, the authorization request comprising information identifying a first financial account from which a payment is requested;   determining, by the acquirer system, whether the authorization request is approved;   receiving, at the acquirer system, from a second mobile device a communication identifying a second financial account to which the payment is directed;   generating, by the acquirer system, a payment notification message;   identifying, by the acquirer system, a system that maintains the second financial account based on the communication; and   sending, by the acquirer system, the payment notification message to the system that maintains the financial account based on the determination that the authentication request is approved to initiate payment from the first financial account to the second financial account.   
     
     
         9 . The method of facilitating interactions between multiple mobile devices of  claim 8 , further comprising:
 crediting the second financial account for an amount of the payment.   
     
     
         10 . The method of facilitating interactions between multiple mobile devices of  claim 8 , further comprising:
 generating an electronic receipt of the payment; and   sending the electronic receipt to one or both of the first mobile device and the second mobile device.   
     
     
         11 . The method of facilitating interactions between multiple mobile devices of  claim 8 , wherein:
 determining whether the authorization request is approved comprises:
 sending the authentication request to a financial institution associated with the first financial account; and 
 receiving an indication of whether a transaction associated with the authorization request is authorized from the financial institution. 
   
     
     
         12 . The method of facilitating interactions between multiple mobile devices of  claim 8 , wherein:
 determining whether the authorization request is approved comprises:
 sending the authentication request to a prepaid system associated with the first financial account; and 
 receiving an indication of whether a transaction associated with the authorization request is authorized from the prepaid system. 
   
     
     
         13 . The method of facilitating interactions between multiple mobile devices of  claim 8 , wherein:
 the authorization request further comprises identity credentials associated with one or both of the second mobile device or a user of the second mobile device.   
     
     
         14 . The method of facilitating interactions between multiple mobile devices of  claim 8 , wherein:
 the first financial account comprises a credit or debit account.   
     
     
         15 . A non-transitory computer readable media having instructions stored thereon that, when executed by a processor cause an acquirer system to:
 receive an authorization request from a first mobile device, the authorization request comprising information identifying a first financial account from which a payment is requested;   determine whether the authorization request is approved;   receive from a second mobile device a communication identifying a second financial account to which the payment is directed;   generate a payment notification message;   identify a system that maintains the second financial account based on the communication; and   send the payment notification message to the system that maintains the financial account based on the determination that the authentication request is approved to initiate payment from the first financial account to the second financial account.   
     
     
         16 . The non-transitory machine readable media of  claim 15 , wherein:
 determining whether the authorization request is approved comprises:
 identifying a second acquirer system for authorizing the payment based on the information identifying the first financial account; and 
 sending the communication to the second acquirer system for authorization of the transaction. 
   
     
     
         17 . The non-transitory machine readable media of  claim 16 , wherein the instructions further cause the acquirer system to:
 identify a payment manager based on the information identifying the first account, wherein determining whether the authorization request is approved comprises:
 sending the authorization request to the payment manager; and 
 receiving an approval message from the payment manager in response to the authorization request. 
   
     
     
         18 . The non-transitory machine readable media of  claim 17 , wherein:
 the authorization request further comprises identity credentials associated with one or both of the second mobile device or a user of the second mobile device.   
     
     
         19 . The non-transitory machine readable media of  claim 15 , wherein:
 the payment comprises a transfer from at least one of a debit account, a credit account, a demand deposit account, a prepaid account, a stored value account, or a gift card account.   
     
     
         20 . The non-transitory machine readable media of  claim 15 , wherein:
 the authorization request comprises a value of the payment.