System and method of managing contactless payment transactions using a mobile communication device as a stored value device
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United States of America Patent
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Sep 6, 2011
Grant Date -
Jul 10, 2008
app pub date -
May 24, 2007
filing date -
Jan 5, 2007
priority date (Note) -
In Force
status (Latency Note)
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Abstract
A method and apparatus handling payment transactions in a system using mobile communication devices as stored value devices are disclosed. A transaction operations server receives multiple records of the transaction from the stored value device—one via a communication channel through the telecommunication provider network, and another via an independent communication channel. The records are reconciled at the transaction server for transaction verification.
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