Patent ID: 9208488
Filing Date: 2015-12-08
Classification: G06Q

Abstract:
1. A computing system for facilitating management of a mobile wallet, including: one or more processors; system memory; an integration tier configured to manage mobile wallet sessions with a mobile device and including web services communication mechanisms for interfacing with a mobile wallet application installed on a hardware SIM card as well as with a plurality of different device types over a plurality of different communication channels, the integration tier being configured to receive binary and text messages from the mobile device; a notification services engine configured to interface with the integration tier and to send Short Message Peer-to-Peer (SSMP) messages, Short Messaging Service (SMS) messages and Simple Mail Transfer Protocol (SMTP) messages over the different communication channels to different devices, including the mobile device, to interface with the mobile wallet application installed on the hardware SIM card; service connectors that are each configured to connect the computing system to a different third party system, each of the service connectors being configured as a separate module for integrating a corresponding external service to the computing system; a payment handler that exposes a common API for interacting with different payment processors; a security services engine that performs subscriber authentication utilizing a database-based Access Control List (ACL); a rules engine configured to enforce constraints on financial transactions performed with the mobile wallet application, the mobile wallet application being associated with a mobile wallet account; and one or more computer-readable storage media having stored thereon computer-executable instructions that are executable by the one or more processors to cause the computing system to perform a transaction for a customer using the mobile wallet which is owned by another entity than the customer, comprising the following: