Patent ID: 8548908
Filing Date: 2013-10-01
Classification: G06Q,H04L

Abstract:
1. A system for supporting mobile commerce applications, the system comprising: a management and control layer communicatively coupled with a plurality of wireless communications networks and adapted to control communications to and from a plurality of mobile wallet applications executed by a plurality of mobile devices in communication with the plurality of wireless communications networks, wherein the management and control layer is configured to control communications to and from the mobile wallet applications related to payment functions of the mobile wallet applications, and wherein being configured to control communications to and from the mobile wallet applications comprises the management and control layer being configured to: receive transaction data from the first mobile device, wherein the transaction data comprises an account proxy, a merchant identifier, a transaction amount, and a transaction category code; determine, based at least on the merchant identifier, whether a gift card account number associated with the account proxy is an accepted form of payment for a merchant associated with the merchant identifier; and determining if the transaction amount exceeds a previously established amount; replace the account proxy in the transaction data with a primary account number selected from a plurality of account numbers based on the merchant associated with the merchant identifier and a pre-defined rule established by a consumer associated with the first mobile device, wherein the pre-defined rule: selects as the determined account number a gift card account number associated the gift card based at least on a determination that the merchant accepts the gift card; selects as the determined account number a debit card account number based at least on: a determination that the merchant does not accept the gift card; and a determination that transaction amount does not exceed the previously established amount; and a determination that a cumulative monthly spending cap has not been exceeded; selects as the determined account number a first credit account number based at least on: a determination that the merchant does not accept the gift card; a determination that the transaction amount does exceed the previously established amount and/or the cumulative monthly spending cap has been exceeded; and a determination that the transaction category code is one of a previously determined plurality of category codes; selects as the determined account number a second credit card account number based on: a determination that the merchant does not accept the gift card; a determination that the transaction amount does exceed the previously established amount and/or that the cumulative monthly spending cap has been exceeded; and a determination that the transaction category code is not one of a previously determined plurality of category codes; select from a plurality of content provider systems a content provider system associated with the selected account number; and forward the transaction data, which includes the determined account number and the total amount of the transaction, along with an indication of the selected content provider system to a gateway services layer of the acquirer system.