System And Method For Contextual Service Delivery Via Mobile Communication Devices

Abstract

A computer automated system and method comprising configuring a single or plurality of mobile devices over a network, validating the configured devices, and communicating contextual information to the configured devices. The devices are authenticated and the authentication is sent to a server over the network, when a contextual service, controlled/offered by the server through a contextual service point in communication with the server, is invoked by the configured mobile device in the vicinity of the contextual service point. The mobile device is then enabled to consume a contextual service, offered by and delivered at the contextual service point, either from within the mobile device or over the network.

We claim: 
     
         1 . A computer automated system for processing financial transactions, comprising:
 a processor;   a memory;   encoded instructions stored in the memory which when implemented by the processor cause the computer automated system to:   authenticate a contextual service delivery device via a payment terminal comprised in a pre-configured mobile device;   send an authenticated contextual service delivery device credential to the computer automated system by the payment terminal;   authenticate the contextual service delivery device and process a user tag data and additional context info relating to a financial account associated with the contextual service delivery device by the computer automated system;   release a payment authorization information to the contextual service delivery device by the computer automated system; and   display a transaction information on the payment terminal.   
     
     
         2 . The computer automated system of  claim 1  wherein:
 the pre-configured mobile device further comprises a central processing unit and a secure element; and 
 wherein the pre-configuration comprises invoking a computer program product in the contextual service delivery device. 
 
     
     
         3 . The computer automated system of  claim 1  further comprising sending via the payment terminal, an authenticated merchant credential, a read short range communications tag data from the contextual service delivery device, a context service point code, and an additional context info relating to a financial account associated with the contextual service delivery device to the computer automated system. 
     
     
         4 . The computer automated system of  claim 1  wherein authenticating the contextual service delivery device and processing the user tag data by the computer automated system further comprises authenticating and retrieving a unique address of the contextual service device by the payment terminal, and receiving a transaction authorization from a financial institution related to a financial account associated with the contextual service delivery device. 
     
     
         5 . The computer automated system of  claim 1  wherein releasing a payment authorization information to the contextual service delivery device by the computer automated system comprises releasing a transaction receipt to the contextual service delivery device by the computer automated system. 
     
     
         6 . The computer automated system of  claim 1  wherein the computer automated system is further caused to: in response to an authenticated contextual service delivery device and processed contextual service delivery device tag data and additional context info relating to the financial account, dispense a currency amount by a currency dispensing machine operatively coupled to the payment terminal. 
     
     
         7 . The computer automated system of  claim 1  wherein:
 the computer automated system comprises a payment server; 
 the payment terminal comprises an active or passive short range communication means to connect the contextual service delivery device to the payment server; and 
 the release of payment authorization information to the payment terminal is in response to a payment request initiated by the contextual service delivery device. 
 
     
     
         8 . The computer automated system of  claim 1  wherein the contextual service delivery device is a pre-configured contextual service delivery device; and
 wherein the contextual service delivery device is comprised in a mobile device. 
 
     
     
         9 . The computer automated system of  claim 1  wherein the received credential via the contextual service delivery device comprises a read short range communication tag ID, a context service point code, and an IP address. 
     
     
         10 . A computer implemented method for processing financial transactions, comprising:
 authenticating a contextual service delivery device via a payment terminal comprised in a pre-configured mobile device;   sending an authenticated user credential to a computer automated system via the payment terminal;   authenticating the contextual service delivery device and processing a contextual service delivery device tag data and additional context info relating to a financial account associated with the contextual service delivery device, by the computer automated system;   releasing a payment authorization information to the contextual service delivery device by the computer automated system; and   displaying a transaction information on the payment terminal.   
     
     
         11 . The computer implemented method of  claim 10  wherein:
 the pre-configured mobile device further comprises a central processing unit and a secure element; and 
 wherein the pre-configuration comprises invoking a computer program product in the contextual service delivery device. 
 
     
     
         12 . The computer implemented method of  claim 10  further comprising sending via the payment terminal, an authenticated merchant credential, a read short range communications tag data from the contextual service delivery device, a context service point code, and an additional context info relating to a financial account associated with the contextual service delivery device to the computer automated system. 
     
     
         13 . The computer implemented method of  claim 10  wherein authenticating the contextual service delivery device and processing the tag data by the computer automated system further comprises authenticating and retrieving a unique address of the contextual service device by the payment terminal, and receiving a transaction authorization from a financial institution related to a financial account associated with the contextual service delivery device. 
     
     
         14 . The computer implemented method of  claim 10  wherein releasing a payment authorization information to the contextual service delivery device by the computer automated system comprises releasing a transaction receipt to the contextual service delivery device by the computer automated system. 
     
     
         15 . The computer implemented method of  claim 10  further comprising: in response to an authenticated contextual service delivery device and processed tag data and additional context info relating to the financial account, dispensing a currency amount by a currency dispensing machine operatively coupled to the payment terminal. 
     
     
         16 . The computer implemented method of  claim 10  wherein:
 the computer automated system comprises a payment server; 
 the contextual service delivery device comprises an active or passive short range communication means to connect to the payment server; and 
 the release of payment authorization information to the contextual service delivery device is in response to a payment request initiated by the user mobile device. 
 
     
     
         17 . The computer implemented method of  claim 10  further comprising pre-configuring the contextual service delivery device; and
 wherein the contextual service delivery device is comprised in a mobile device. 
 
     
     
         18 . The computer implemented method of  claim 10  wherein receiving the credential via the contextual service delivery device comprises receiving a read short range communication tag ID, a context service point code and an IP address. 
     
     
         19 . In a computer automated system for processing financial transactions, a mobile device configured to:
 authenticate itself to a payment server via a payment terminal;   wherein the mobile device is configured to authenticate itself via active or passive short range communication configuration comprised in the mobile device and the payment terminal;   send an authenticated user credential to the payment server via the payment terminal;   receive a payment authorization information from the payment server;   display a transaction information on the user mobile device; and   wherein the payment authorization information from the payment server is in response to a payment request initiated by the mobile device.