Abstract:
Methods, systems, and computer readable media for selecting and delivering an electronic value certificate to a mobile device are disclosed. According to one aspect, the method includes utilizing a certificate selection device to generate electronic certificate selection information and providing the electronic certificate selection information and associated recipient data to a merchant server. From the merchant server, electronic value certificate data derived from the certificate selection information is received. The method also includes establishing a communications link with a mobile device corresponding to the recipient data. The electronic value certificate data is provisioned on the mobile device over the communications link via over the air (OTA) communications.

Description:
TECHNICAL FIELD 
       [0001]    The subject matter described herein relates to the selection and delivery of electronic coupons and promotions utilizing a mobile device. More particularly, the subject matter described herein relates to methods, systems, and computer readable media for selecting and delivering electronic value certificates using a mobile device. 
       BACKGROUND 
       [0002]    Currently, the primary means for acquiring coupons or promotions are from tangible printed paper certificates (e.g., a coupon or paper flyer) distributed by a merchant or product company. In order to utilize the coupon (or promotion), the consumer typically cuts out the coupon from a flyer and presents the coupon to a cashier while conducting a purchase transaction involving a good associated with the coupon. Notably, this process is a completely manual process. Furthermore, the coupon is usually embodied as a tangible, physical card or paper cutout. As such, the fact the coupon is a tangible, physical object may give rise to several problems. For instance, due to its size, the physical coupon may be readily misplaced, stolen, or even damaged prior to the consumer using the coupon at the store. 
         [0003]    Accordingly, there exists a need for methods, systems, and computer readable media for selecting and delivering electronic value certificates using a mobile device. 
       SUMMARY 
       [0004]    Methods, systems, and computer readable media for selecting and delivering electronic value certificates using a mobile device are disclosed. According to one aspect, the method includes receiving, at a merchant server, certificate selection information and associated recipient data from a certificate selection device. From the merchant server, electronic value certificate data derived from the certificate selection information is received. The method also includes establishing a communications link with a mobile device corresponding to the recipient data. The electronic value certificate data is provisioned on the mobile device over the communications link via over the air (OTA) communications. 
         [0005]    The subject matter described herein for selecting and delivering an electronic value certificate using a mobile device may be implemented using a computer readable medium having stored thereon computer executable instructions that when executed by the processor of a computer perform steps of the aforementioned method (see above). Exemplary computer readable media suitable for implementing the subject matter described herein includes disk memory devices, programmable logic devices, and application specific integrated circuits. In one implementation, the computer readable medium may include a memory accessible by a processor. The memory may include instructions executable by the processor for implementing any of the methods for selecting and delivering an electronic value certificate using a mobile device described herein. In addition, a computer readable medium that implements the subject matter described herein may be distributed across multiple physical devices and/or computing platforms. 
     
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         [0006]    The subject matter described herein will now be explained with reference to the accompanying drawings of which: 
           [0007]      FIG. 1  is a block diagram of an exemplary system for selecting and delivering an electronic value certificate to a mobile device according to an embodiment of the subject matter described herein; 
           [0008]      FIG. 2  is a flow chart of an exemplary process for selecting an electronic value certificate using a mobile device according to an embodiment of the subject matter described herein 
           [0009]      FIG. 3  is a flow chart of an exemplary database for delivering an electronic value certificate to an NFC enabled mobile device according to an embodiment of the subject matter described herein; and 
           [0010]      FIG. 4  is a flow chart of an exemplary process for transferring an electronic value certificate using an NFC enabled mobile device according to an embodiment of the subject matter described herein. 
       
    
    
     DETAILED DESCRIPTION 
       [0011]      FIG. 1  is a block diagram of an exemplary system  100  for selecting and delivering an electronic value certificate (e.g., an electronic coupon, promotion, or the like) to a mobile device according to an embodiment of the subject matter described herein. In one embodiment, system  100  comprises a plurality of components, which may include a user mobile device  102 , a plurality of certificate selection devices (e.g., a computer  104  and a smart poster  106 ), a merchant server  108 , an NFC enabled recipient mobile device  110 , OTA provisioning server  112 , SMS gateway  114 , a non-NFC enabled recipient mobile device  116 , a point of sale (POS) terminal  118 , and a telecommunications operations server  122 . Notably, mobile device  102  and computer  104  provide a user with the means to select an electronic value certificate (e.g., an electronic coupon, promotion, and the like) from a merchant website for delivery to a recipient mobile device. 
         [0012]    In one embodiment, a user utilizes a certificate selection device, such as computer  104 , which may include a personal computer (e.g., at the user&#39;s home) or a kiosk station (e.g., a designated computer device provided by a merchant that may be positioned at or near a merchant/retail store location, and may be used to perform consumer-related tasks associated to a particular merchant, such as selecting electronic coupons), to access a merchant&#39;s web site. As used herein, the term “merchant” may include a seller, a retailer, or any other entity that is in the business of selling goods or providing services. By using the interface afforded by the merchant web site, the user may select an electronic value certificate that the user wishes to download to a handheld mobile device (e.g., mobile device  102  or recipient devices  110 ,  116 ). After making the desired electronic value certificate selection(s), the user may be prompted to provide electronic value certificate delivery information. For example, delivery information may comprise recipient data, such as the user&#39;s phone number or the phone number of a third party recipient. Depending on the embodiment/scenario, mobile device  102  may either be an NFC enabled mobile device or a non-NFC enabled mobile device. 
         [0013]    As mentioned above, system  100  may also include a merchant server  108 , an over-the-air (OTA) provisioning server  112 , and a telecommunications operations server  122 . In one embodiment, merchant server  108  may comprise a backend server that is associated with a particular merchant, retailer, or Internet-based store. Merchant server  108  may be configured to store various electronic coupons or promotions data which may be displayed on a web site accessible to users. OTA provisioning server  112  may include a server that is responsible for receiving electronic value certificate selection information from various merchant servers (e.g., merchant server  108 ) as well as issuing electronic value certificates to mobile devices (e.g., mobile devices  102 ,  116 , as explained below) per the instructions and information received from each respective merchant server. In one embodiment, the functions provided by OTA provisioning server  112  may be performed by a plurality of servers (e.g., a control server, which provides OTA administrative services for the secure element on a mobile device, and an issuer server, which provides a secure local provisioning point for issuing electronic coupons to a mobile device in order to allow an issuer to maintain full possession and control of provisioned data) as opposed to a single standalone server. Telecommunications operator server  122  may include a server associated with a telecommunications service provider (e.g., a wireless phone service provider) that is capable of providing information related to a given mobile device and/or phone number. For example, server  110  may contain phone numbers and the type of mobile device associated with each phone number. 
         [0014]    As mentioned above, system  100  may also include an NFC enabled recipient mobile device  110 , a non-NFC enabled recipient mobile device  116  and a POS terminal  118 . As used herein, the term “recipient” refers to a party that receives the electronic value certificate in the form of a softcard containing a barcode image or via a short message service (SMS) message containing a certificate authorization code or uniform resource locator (URL) linked to a barcode image that may subsequently be scanned at POS terminal  118 . 
         [0015]    An NFC enabled mobile device (e.g., mobile device  110 ) may comprise a mobile phone with embedded NFC support circuitry/software, which enables a user to wirelessly communicate with wireless device reader  120 . Similarly, an NFC enabled mobile device may include universal subscriber identification module (USIM)/USIM integrated circuit card (UICC) NFC support circuitry/software to wirelessly communicate with the wireless device reader. 
         [0016]    Non-NFC enabled mobile device  116  may include a cellular phone or other mobile device that does not include embedded NFC or USIM/UICC NFC support circuitry/software or any other means to wirelessly communicate with POS terminal  118 . In one embodiment, POS terminal  118  may include a wireless device reader  120  (e.g., a wireless RFID reader or a contactless card reader) that is capable of reading NFC enabled mobile devices, wireless smart cards or any other contactless payment type device. In one embodiment, wireless device reader  120  may be configured to wirelessly communicate with NFC-enabled mobile device  102  via an electromagnetic field. 
         [0017]    As mentioned above, one type of communications channel that may be used between a device capable of supporting a softcard and a wireless device reader for payment/coupon transactions is near field communications (NFC). Near field communications typically occur at a distance of within about one wavelength of the communications frequency being used between the mobile device and the wireless device reader. An example of a contactless communications protocol that may be used in communications between a device capable of supporting a softcard and a wireless device reader is an ISO 14443 interface. 
         [0018]    Devices with wireless communications capabilities may also be capable of data communications with remote entities. For example, devices with wireless communications capabilities may implement HTTP over TCP/IP over-the-air interface for communicating with remote entities. The air interface protocol used by a device with wireless communications capabilities may vary with the device. Examples of air interface protocols that may be used include GSM, GPRS, CDMA, Bluetooth, etc. 
         [0019]    Specifically, NFC involves communication via magnetic field induction, where two loop antennas are located within each other&#39;s near field, which effectively forms an air-core transformer. For example, NFC enabled mobile device  102  may communicate with wireless device reader  120  via the inductive coupling of the reader&#39;s antenna to the mobile device&#39;s antenna. Wireless device reader  120  modulates the loading on its loop antenna in order to amplitude-modulate a radio frequency (RF) field/electromagnetic field. The modulations in the field are received and detected by the NFC enabled mobile device&#39;s antenna, thereby communicating information. In order to communicate, a transceiver module on the wireless device reader may transmit a command signal to the mobile device via the electromagnetic field (or some other energy field) powered by wireless device reader. For example, by oscillating the electromagnetic field on and off very quickly, the wireless device reader (via the transceiver module) is able to send a command as a string of data to mobile device  102 . Similarly, by drawing power from the electromagnetic field or using its own power source, mobile device  102  is able to send a response to wireless device reader  120  by creating a short circuit on its own antenna. The short circuit produces a larger load on the reader&#39;s antenna, which is promptly detected as a communication from mobile device  102 . An example of a near-field wireless communications standard commonly used by NFC enabled mobile devices and wireless smart cards is ISO  14443 . 
         [0020]    There are several ways in which a user may select an electronic value certificate, such as an electronic coupon, promotion, or the like. In one embodiment, the electronic value certificate may be selected by a user through a merchant&#39;s web site using a computer  104  (e.g., using a personal computer or a retail kiosk), or even a mobile device equipped with Internet browsing software. For example, the user may log into a merchant/retailer website in order to select an electronic value certificate (e.g., an electronic coupon or promotion that is associated with a good sold by the merchant). In one embodiment, the user may also designate the time and date of electronic delivery of the coupon to the recipient. The user may then be prompted to provide recipient data, such as the phone number of the recipient intended to receive the electronic value certificate (e.g., the recipient may be the user or a third party). In one embodiment, the above certificate selection information (e.g., a particular electronic coupon) and recipient information is provided to a merchant server  108 . 
         [0021]    In an alternate embodiment, the user may select an electronic value certificate using a different certificate selection device, such as smart poster  106  interfaced with mobile device  102 . Generally, a smart poster is embodied as a sign, billboard, or any other form of advertising that incorporates a passive NFC tag (e.g., an RFID tag) from which the user can extract selected tag data by interfacing an NFC enabled handset with the tag. The tag data acquired may be a uniform resource locator (URL), a coupon, a ticket, a promotion, or any other type of data that is desired by the user. For example, the user may use a powered NFC enabled mobile device  102  to acquire or “pull” data (e.g., tag data) from a passive tag of a smart poster. After interfacing with smart poster  106 , mobile device  102  initiates a midlet (e.g., a software client program, such as a wallet client application) that is responsible for transmitting the electronic coupon data to a backend server (e.g., merchant sever  108 ). Namely, the midlet is able to use the tag data to properly communicate with the proper merchant server as well as to request the proper coupon. 
         [0022]    Upon receiving the coupon selection data and recipient data, merchant server  108  may be configured to perform a series of operations. In one embodiment, merchant server  108  sends a control SMS message to the intended recipient using the recipient data. In one embodiment, merchant server  108  may process the received coupon selection data and recipient data from the user to generate additional data. For example, merchant server  108  may generate additional electronic value certificate information such as the electronic value certificate number, the electronic value certificate image, an electronic value certificate authorization code, and the electronic value certificate validity information in response to receiving the coupon selection data (and recipient data). Likewise, merchant server  108  may generate personalization information using the certificate selection data and recipient data obtained from the user. 
         [0023]    In one embodiment, merchant server  108  sends the above-mentioned selection and generated data to OTA provisioning server  112  via a request message. For example, the request message may be embodied as a message requesting that OTA provisioning server  112  issue a valid electronic value certificate to the recipient mobile device number provided. Upon receiving the recipient data, OTA provisioning server  112  may be configured to determine if the recipient mobile device is NFC enabled (e.g., mobile device  110 ) or not (e.g., mobile device  116 ). In one embodiment, OTA provisioning server  112  provides telecommunications operations server  122  with the mobile device number of a receiving party. Telecommunications operations server  122  may then access a database to obtain information relating to the type of mobile device (e.g., NFC enabled or otherwise) that is associated with the provided recipient number. Upon locating this device information, telecommunications operations server  122  forwards the mobile device type data to OTA provisioning server  112 . 
         [0024]    After receiving the mobile device type information (and electronic value certificate information), OTA provisioning server  112  is configured to deliver the electronic value certificate as either a softcard or via an SMS message. The manner in which the electronic value certificate may be sent depends if the recipient phone number in which the electronic value certificate is to be delivered is either an NFC enabled phone or non-NFC enabled phone. In the former case, OTA provisioning server  112  may be configured to deliver the electronic value certificate as a softcard (e.g., a softcard coupon). In one embodiment, the provisioning of a soft card over the air interface may occur over wireless connection, for example, using HTTP and TCP protocols, SMS and CAT_TP using TCP protocol. A TCP socket may be created for the provisioning connection. The physical layer of the connection may utilize, CDMA, Bluetooth, GPRS, or GSM air interface protocols. Provisioning may occur over the Internet or over a corporate or other intranet or utilizing SMS PP. Provisioning may occur automatically by providing a provisioning application on a mobile device that establishes a connection with a provisioning configuration server (e.g., OTA provisioning server  112 ) in response to being started or the provisioning configuration server starts the provisioning using SMS without using provisioning application on a mobile device. 
         [0025]    Alternatively, if the phone number to which the electronic value certificate is to be delivered is associated with a non-NFC enabled phone, then OTA provisioning server  112  is configured to deliver the electronic value certificate as an authorization code or a URL via an SMS message. 
         [0026]    In the exemplary embodiment where the receiving mobile device is NFC enabled, OTA provisioning server  112  sends a control SMS message to NFC enabled mobile device  102  using the mobile phone number provided by merchant server  108 . In response, NFC enabled mobile device  102  may read the SMS control content, which triggers a midlet application (e.g., a wallet client application) that initiates a downloading process to receive an electronic value certificate from OTA provisioning server  112 . NFC enabled mobile device  102  (e.g., via wallet client) may then reply to OTA provisioning server  112  with an acknowledgement message. In one embodiment, a wallet client application may comprise a software application that manages multiple softcards stored on a mobile device, such as credit cards, debit cards, electronic value certificates (e.g., electronic coupons and promotions), electronic tickets and the like. The wallet client may also be configured to ensure end-to-end protection of softcard data and payment applications with its interface for OTA provisioning as well as its management of the mobile device&#39;s secure element (not shown). The secure element may include any type of hardware and/or software structure that utilizes encryption or some other means for securing sensitive data within a mobile device. 
         [0027]    In response to the acknowledgement message, OTA provisioning server  112  may establish a secure connection using, for example, an http, https, TCP, SMS PP, or CAT_TP protocol with NFC enabled mobile device  102  and provides certificate personalization data (e.g., similar to Track 1 and Track 2 data), electronic value certificate data, and branding or issuer marketing data (e.g., branding image, customer support number, network supported, and the like). In one embodiment, personalization data includes data that is unique to the recipient of the electronic value certificate and is typically delivered to a mobile device via secured communications. Similarly, the electronic value certificate data and personalization data may also be stored on a secure element validated within mobile device  102 . In an alternate embodiment, the present subject matter may forego establishing a secure connection and storing the certificate data in the secure element. Rather, an electronic value certificate may be transmitted over an unsecured connection and stored in the mobile device&#39;s general memory. 
         [0028]    After the download process is completed, the wallet client may display the electronic value certificate as a softcard coupon (which visually represents the electronic value certificate data and/or personalization data contained in the secure element or general memory). After the softcard coupon is stored in NFC enabled mobile device  102 , the recipient may decide to use the electronic softcard coupon at an appropriate retail store or the like. For instance, after deciding to purchase a particular good at a store, the recipient brings the merchandise to the checkout register station and is prompted by the cashier to provide a method of payment. The recipient may then use mobile device  102  to select the coupon softcard to be used in the payment transaction. For example, the recipient may interface mobile device  102  with wireless device reader  120  via NFC communication. Thus, electronic coupon data and/or personalization data associated with the softcard coupon is then transferred to POS terminal  118 . Namely, the transfer of this information facilitates an efficient transfer of coupon data for payment. In one embodiment, the coupon transaction may also be coupled with an electronic prepaid softcard transaction. In this particular scenario, the payment transaction would proceed normally if the combination of electronic funds (i.e., prepaid softcard and electronic coupon) is sufficient to cover the selected good(s). Otherwise the customer may be prompted to provide additional payment for the outstanding balance. 
         [0029]    In the second embodiment mentioned above, the electronic value certificate is provided to a non-NFC enabled phone via one or more SMS messages. For example, mobile device  102  (if mobile device  102  happens to be a non-NFC enabled phone) may receive an SMS message from OTA provisioning server  112  instead of receiving an SMS control message. The received SMS message may include an electronic value certificate code. In one embodiment, the electronic value certificate code may comprise an electronic coupon code that would be associated with a designated amount that may be provided to a cashier at POS  118  as detailed below. In an alternate embodiment, the SMS message may instead include a URL that is linked to a barcode image. 
         [0030]    After receiving the electronic coupon code, the user of mobile device  102  may decide to use the electronic coupon at a retail store or the like. For example, after selecting goods for purchase, the user presents the merchandise at the check out counter and may be prompted by the cashier to provide a method of payment. The user may then provide the electronic value certificate code (or coupon barcode image) to the cashier. The cashier may then enter the coupon code (or scan the coupon barcode image) in the POS terminal  118 . In one embodiment, POS terminal  118  validates the coupon code with merchant server  108  to ensure that the electronic coupon is still valid or alternatively, that the coupon code has not been previously used. Merchant server  108  may return an acknowledgement message if the coupon code is valid. 
         [0031]    To better illustrate the communication of the components depicted in  FIG. 1 ,  FIG. 2  is provided to illustrate a coupon selection process using a flow diagram. Specifically,  FIG. 2  is a flow chart of an exemplary method  200  for selecting an electronic coupon according to an embodiment of the subject matter described herein. Although  FIG. 2  is directed to the selection of an electronic coupon, method  200  may be used to select any electronic value certificate (e.g., a promotion) without departing from the scope of the present subject matter. 
         [0032]    In block  202 , the user logs into a merchant&#39;s website using a certificate selection device. In one embodiment, the user utilizes a personal computer or a kiosk computer station to gain access to the merchant&#39;s website. 
         [0033]    In block  204 , the user makes one or more electronic coupon selections and provides recipient data. In one embodiment, the user utilizes the website interface to select a specific type of electronic coupon (e.g., electronic certificate selection information) and possibly the date and time in which the electronic coupon should be delivered to the recipient. The user also provides recipient data, such as a mobile device phone number to be used for delivering the coupon. 
         [0034]    In block  208 , the user&#39;s coupon selections (e.g., electronic certificate selection information) and recipient data are received by a merchant server. In one embodiment, after finalizing the coupon selections and confirming the recipient data, the user electronically submits (e.g., hits the “submit” button) the information to merchant server  108 . 
         [0035]    In block  210 , the merchant server processes the received data and generates electronic value certificate data. In one embodiment, merchant server  108  processes the recipient data and the coupon selection data provided by the user. For example, merchant server  108  utilizes the coupon selection data to generate other data that is unique to the electronic coupon, such as an electronic value certificate number, electronic value certificate value (e.g., electronic coupon amount), an electronic value certificate authorization code, an electronic value certificate image, electronic value certificate personalization data, and/or electronic value certificate validity information. 
         [0036]    In block  212 , an OTA provisioning server receives a provisioning request message. In one embodiment, OTA provisioning server  112  receives a message from merchant server  108  to issue an electronic coupon to a recipient that is associated with a specific mobile phone number (i.e., the mobile phone number provided by the user in block  204 ). The request message may also include the information generated by merchant server  108  in block  210 . 
         [0037]    In block  214 , the OTA provisioning server requests the recipient&#39;s mobile device or handset type. In one embodiment, OTA provisioning server  112  sends a query to a telecommunications operations server  122  requesting the type of handset associated with the recipient&#39;s mobile device number. This information may be needed by OTA provisioning server  112  to properly deliver the electronic coupon. 
         [0038]    In block  216 , a determination is made as to whether the recipient&#39;s handset is an NFC enabled mobile device or a non-NFC enabled mobile device. If OTA provisioning server  112  ascertains that the recipient&#39;s device is an NFC enabled mobile device, then method  200  continues to block  218 . Otherwise, method  200  continues to block  222  where OTA provisioning server  112  sends an electronic coupon code message to SMS gateway  114 . In response (i.e., block  224 ), SMS gateway  114  sends an SMS message embedded with the coupon code to non-NFC enabled mobile handset. 
         [0039]    In block  218 , a control short message is generated (i.e., recipient mobile device has been determined to an NFC enabled device). In one embodiment, OTA provisioning server  112  generates a control (binary) short message service (SMS) message to instruct the recipient&#39;s NFC enabled mobile device to activate a wallet client application. 
         [0040]    In block  220 , the control short message is sent to an SMS gateway. In one embodiment, SMS gateway  114  may receive the control (binary) short message and send the SMS instruction message to recipient mobile device  102 . This SMS instruction message is ultimately received by a recipient mobile device (as detailed below in  FIG. 3 ). 
         [0041]    To better illustrate the delivery of an electronic value certificate in an NFC enabled mobile device,  FIG. 3  is provided to depict a flow chart of an exemplary method  300  for delivering an electronic coupon to an NFC enabled mobile device according to an embodiment of the subject matter described herein. Although  FIG. 3  is directed to the selection of an electronic coupon, method  300  may be used to select any electronic value certificate (e.g., a promotion) without departing from the scope of the present subject matter. 
         [0042]    In block  302 , a control short message is received by an NFC enabled handset. In one embodiment, OTA provisioning server  112  sends a control SMS message (via SMS gateway  114 ) to NFC enabled mobile device  102  (or mobile device  110 ). 
         [0043]    In block  304 , the NFC enabled handset processes the control SMS message. In one embodiment, a wallet client of mobile device  102  is instructed by the control short (binary) message to initiate a download process. Mobile device  102  may also send a message acknowledging receipt of the control short message to OTA provisioning server  112 . 
         [0044]    In block  306 , the OTA provisioning server receives an acknowledgement message from the NFC enabled handset. In one embodiment, OTA provisioning server  112  receives a message acknowledging the receipt of the control message from the wallet client in mobile device  102 . 
         [0045]    In block  308 , the OTA provisioning server creates a secure link with NFC enabled handset. In one embodiment, OTA provisioning server  112  established a secured line of communications with the wallet client and secure memory and/or mobile base band memory of mobile device  102  using GPRS, GSM, SMS. 
         [0046]    In block  310 , the OTA provisioning server provides electronic coupon personalization data over the secure link. In one embodiment, OTA provisioning server  112  uploads coupon personalization data to the secure element in mobile device  102  over the established secure link. Similarly, branding/issuer marketing data may also be uploaded to mobile device  102  along with the electronic coupon data. In an alternate embodiment, the creation of the secure link and use of a secure element in mobile device  102  is not necessary. Rather, the coupon data may be transmitted over a non-secure link and stored in general memory of mobile device  102 . 
         [0047]    In block  312 , the NFC enabled handset displays the electronic coupon as a softcard. In one embodiment, the wallet client in mobile device  102  may use the branding/issuer marketing data to display the electronic coupon as a softcard coupon, which is a graphical representation associated with the stored electronic coupon personalization data. 
         [0048]    In block  314 , the softcard coupon is used at a wireless device reader to make a purchase. In one embodiment, the user of mobile device  102  (i.e., the recipient) may approach a wireless device reader  120  at a retail store and utilize the softcard coupon to make a purchase. For example, the user may select the softcard coupon from the wallet client graphical user interface (GUI) and interface the NFC enabled mobile device  102  with wireless device reader  120  (e.g., bring the two devices in close proximity). By interfacing mobile device  102  with wireless device reader  120 , coupon personalization data is provided to the wireless device reader  120 , which in turn provides the data to a cashier device (e.g., a POS system) in order to facilitate the payment transaction. 
         [0049]    In alternate embodiments, the electronic coupon may be delivered to a non-NFC enabled mobile device. As indicated in block  222  of  FIG. 2 , OTA provisioning server  112  may send a coupon code message to SMS gateway  114 . In response to the coupon code message, SMS gateway  114  sends an SMS message embedded with the coupon code to non-NFC enabled mobile device  116 . In one embodiment, mobile device  116  receives the SMS message containing the coupon code and stores it on a local database or memory. The coupon data remains there until the user decides to redeem the coupon code at a POS by providing it to a cashier. 
         [0050]    In an alternate embodiment, a non-NFC enabled mobile device may receive an SMS message that contains a URL associated with the electronic coupon. The user may use the mobile device to click on the URL, which may display a barcode in a web browser application. Afterwards, the user may present the mobile device with the displayed barcode to a cashier at a POS. The cashier may then scan the displayed bar code to redeem the coupon for the user&#39;s purchase. 
         [0051]    In yet another embodiment, a non-NFC enabled mobile device may receive a control SMS message from the OTA provisioning server. The control SMS message instructs the mobile device to download one or more of the selected electronic coupons. The mobile device initiates the midlet, which in turn downloads the barcode image for each electronic coupon. The barcode images may then be stored in baseband memory. Afterwards, the user may present the mobile device with the displayed barcode to a cashier at a POS. The cashier may then scan the displayed bar code to redeem the coupon for the user&#39;s purchase. 
         [0052]    In another embodiment of the present subject matter, a user may decide to transfer or forward an electronic value certificate, which has been previously selected and stored on the user&#39;s NFC enabled mobile device, directly to a recipient&#39;s mobile device.  FIG. 4  illustrates an exemplary method  400  for transferring an electronic softcard coupon from a user&#39;s NFC enabled mobile device (e.g., mobile device  102 ) to a recipient&#39;s NFC enabled mobile device (e.g., mobile device  110 ). Although  FIG. 4  is directed to the transfer of an electronic coupon, method  400  may be used to select any electronic value certificate (e.g., a promotion) without departing from the scope of the present subject matter. 
         [0053]    In block  402 , a user selects a softcard coupon in the user&#39;s NFC enabled mobile device. In one embodiment, the user may select a previously obtained electronic coupon, which has been stored in the wallet client, for transfer. 
         [0054]    In block  404 , the user transfers the softcard coupon to a recipient. In one embodiment, the user may select an option on the mobile device&#39;s user interface to forward the electronic softcard coupon to a recipient&#39;s NFC enabled mobile device. 
         [0055]    In block  406 , the user is prompted to provide recipient information. In one embodiment, NFC enabled mobile device  102  may query the user to provide the recipient&#39;s information, such as the recipient&#39;s mobile phone number. 
         [0056]    In block  408 , the user&#39;s NFC enabled mobile device sends a transfer request. In one embodiment, NFC enabled mobile device  102  sends a transfer request message to OTA provisioning server  112 . The transfer request message may include the recipient information obtained in block  406  as well as coupon personalization data associated with the user&#39;s NFC enabled mobile device (e.g., this data may only include recipient&#39;s phone number, the balance of the softcard coupon, and/or personalization data) 
         [0057]    In block  410 , the OTA provisioning server validates the user data. In one embodiment, OTA provisioning server  112  establishes communication with merchant server  108  in order to validate the coupon information with information stored on merchant server  108  (e.g., verify that the coupon is still valid). Similarly, merchant server  108  may also be provisioned with data associated with the intended recipient so as to record the transfer (i.e., the recipient is the new “owner” of the transferred electronic coupon). 
         [0058]    In block  412 , the OTA provisioning server  112  sends a control short message to delete the softcard coupon (e.g., coupon personalization data) from user&#39;s NFC enabled handset. In one embodiment, OTA provisioning server  112  may conduct the transfer of the softcard coupon by disassociating the electronic value certificate from the user&#39;s mobile device and subsequently associating the electronic value certificate to the recipient&#39;s mobile device if the information in block  410  is validated. For example, OTA provisioning server  112  may send a command to disassociate, or delete, the coupon data and/or coupon personalization data from the user&#39;s NFC enabled handset client application. Similarly, OTA provisioning server  112  may then send another control short message to the recipient&#39;s NFC enabled mobile device in order to initiate the issuing of an electronic softcard coupon. In one embodiment, OTA provisioning server  112  may transfer the “new” softcard coupon in the manner described by method  300  in  FIG. 3 . 
         [0059]    It will be understood that various details of the subject matter described herein may be changed without departing from the scope of the subject matter described herein. Furthermore, the foregoing description is for the purpose of illustration only, and not for the purpose of limitation.