1. A method for managing stored radio bearer configurations by a Universal Mobile Telecommunication System (UMTS) radio network controller comprising:
associating a different identifier with each radio bearer configuration;
transmitting one or more radio bearer configurations and their associated identifiers to a mobile terminal;
receiving one or more identifiers from the mobile terminal indicating the radio bearer configurations stored by the mobile terminal; and
transmitting a configuration identifier to the mobile terminal to indicate which configuration should be used by the mobile terminal.
2. The method of claim 1 wherein the configuration identifiers are contiguous values in a range which the network controller transmits by defining a starting identifier and an ending identifier.
3. The method of claim 1 further comprising:
updating a parameter of a first radio bearer configuration;
associating a new identifier with the updated first radio bearer configuration;
transmitting the updated first radio bearer configuration and its new identifier; and
invalidating a previous identifier for the first radio bearer configuration.
4. The method of claim 1 further comprising:
grouping configurations into sets, each set identifiable by a different set identifier.
5. The method of claim 4 further comprising:
transmitting the one or more radio bearer configurations as a grouped set, with each configuration in the set identifiable by its configuration identifier.
6. The method of claim 1 further comprising:
broadcasting one or more configuration identifiers to mobile terminals in the wireless network to indicate which identifiers are valid.
7. The method of claim 1 wherein identifiers expire after a predefined period of time.
8. The method of claim 1 wherein a UMTS Radio Bearer Setup message is used by the UMTS network controller to transmit the configuration identifier to the mobile terminal to indicate which configuration should be used by the mobile terminal.
9. The method of claim 1 wherein the one or more identifiers from the mobile terminal are received in response to a UMTS Radio Resource Control (RRC) Connection Setup message from the UMTS network controller.
10. A radio network controller comprising:
a communication interface to wirelessly communicate with one or more mobile terminals operating on a Universal Mobile Telecommunication System (UMTS);
a storage device to store one or more radio bearer configurations to configure transmissions from the one or more mobile terminals; and
a processing circuit coupled to the communication interface and storage device and configured to
associate a different identifier with each radio bearer configuration,
transmit one or more radio bearer configurations and their associated identifiers to a mobile terminal,
receive one or more identifiers from the mobile terminal indicating the radio bearer configurations stored by the mobile terminal, and
transmit a configuration identifier to the mobile terminal to indicate which configuration should be used by the mobile terminal.
11. The radio network controller of claim 10 wherein the processing circuit is further configured to
update a parameter of a first radio bearer configuration;
associate a new identifier with the updated first radio bearer configuration;
transmit the updated first radio bearer configuration and its new identifier to the mobile terminal; and
invalidate a previous identifier for the first radio bearer configuration.
12. The radio network controller of claim 10 wherein the processing circuit is further configured to
group configurations into sets, each set identifiable by a different set identifier; and
transmitting the one or more radio bearer configurations as a grouped set, with each configuration in the set identifiable by its configuration identifier.
13. A mobile terminal comprising:
a communication interface to wirelessly communicate with a radio network controller of a Universal Mobile Telecommunication System (UMTS) network;
a storage device to store one or more radio bearer configurations to configure the communication interface; and
a processing circuit coupled to the communication interface and storage device and configured to
receive one or more radio bearer configurations and their associated identifiers from a Universal Mobile Telecommunication System (UMTS) network controller,
store the received configurations and identifiers in the storage device, and
configure a radio communication device in the mobile terminal according to parameters of a stored configuration identified by the network controller using its associated identifier.
14. The mobile terminal of claim 13 wherein the processing circuit is further configured to
transmit one or more identifiers from the mobile terminal to the network controller indicating the radio bearer configurations stored in the mobile terminal.
15. The mobile terminal of claim 13 wherein the processing circuit is further configured to
receive an updated radio bearer configuration for a previously stored radio bearer configuration, the updated radio bearer configuration having a first identifier; and
invalidate a previous identifier for the previously stored radio bearer configuration.
16. The mobile terminal of claim 13 wherein the processing circuit is further configured to
receive a broadcast of valid list identifiers from the network controller; and
invalidate stored identifiers missing from the received valid list of identifiers.
17. The mobile terminal of claim 13 wherein the processing circuit is further configured to
maintain an expiration timer for the stored identifiers; and
invalidate the stored identifiers once the expiration timer has elapsed.
18. The mobile terminal of claim 13 wherein the radio communication device includes a transmitter that is configured according to parameters of the stored configuration identified by the network controller.
19. The mobile terminal of claim 13 wherein the radio communication device includes a receiver that is configured according to parameters of the stored configuration identified by the network controller.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
1. A method for communicating financial transaction data between a plurality of computer devices using an interface module and an enhanced protocol, the financial transaction initiated by a cardholder at an input terminal using a transaction card for completing a purchase from a merchant, said method comprising:
receiving, at the interface module, initial identification (ID) data directly from a computer associated with the merchant, the interface module being a computer module separate from the merchant computer, the interface module being further configured for direct communication with the merchant computer and the cardholder input terminal;
generating a first verification enrollment request (VEReq) message at the interface module based on the initial ID data, the first VEReq message including at least one of a merchant identifier and an account number;
transmitting the first VEReq message to an interchange network computer system;
receiving a verification enrollment response (VERes) message from the interchange network computer system, the VERes message affirmatively verifying enrollment of the merchant in an express check out program; and
generating, at the interface module, a payer authentication request (PAReq) message using the enhanced protocol, the enhanced protocol defining a first set of data field extensions associated with the PAReq message.
2. A method in accordance with claim 1, further comprising:
sending the PAReq message to the interchange network computer system; and
opening a session between the cardholder input terminal and the interchange network computer system, the session is opened via the interface module, the cardholder is prompted to input access credentials during the session.
3. A method in accordance with claim 1, wherein generating a PAReq message further comprises:
generating, at the interface module, the PAReq message using the enhanced protocol, the enhanced protocol defining the first set of data field extensions associated with the PAReq message, the first set of data field extensions including data representing transaction card brands supported for payment by the merchant, a response time limit, and item purchase information.
4. A method in accordance with claim 1, further comprising:
receiving a payer authentication response (PARes) message using the enhanced protocol, the enhanced protocol defining a second set of data field extensions associated with the PARes message; and
extracting data from the PARes message and the second set of data field extensions.
5. A method in accordance with claim 4, wherein extracting data further comprises:
formatting the extracted data into a predefined format; and
transmitting the formatted data from the interface module to the merchant computer system.
6. A method in accordance with claim 5, further comprising:
automatically directing the input terminal to a specified merchant website such that the cardholder is able to complete the financial transaction using the specified merchant website.
7. A method in accordance with claim 4, wherein receiving a PARes message further comprises:
receiving the PARes message using the enhanced protocol, the enhanced protocol defining the second set of data field extensions associated with the PARes message, the second set of data field extensions including data representing at least one of billing information, a security code, an expiry date, a primary account number, a phone number of the cardholder, a promotion code, loyalty numbers, and shipping information.
8. A method in accordance with claim 1, further comprising:
generating, at the interface module, a second VEReq message using the enhanced protocol upon the cardholder completing the financial transaction, the enhanced protocol defining a third set of data field extensions associated with the second VEReq message, the third set of data field extensions including data representing at least one of a final transaction amount, an authorization response code, and a promotion code associated with the financial transaction; and
transmitting the second VEReq message to the interchange computer.
9. A method in accordance with claim 1, wherein generating a first verification enrollment request (VEReq) message further comprises:
generating the first VEReq message at the interface module based on the initial ID data, the first VEReq message including a first data field populated by the interface module with the merchant identifier and a second data field populated by the interface module with the account number, the merchant identifier used by the interchange network computer system to verify the enrollment of the merchant in the express check out program, the account number used by the interchange network computer system to verify the enrollment of the cardholder in the express check out program.
10. A system for processing a financial transaction using an enhanced protocol, said system comprising:
an interchange network computer system; and
an interface module in communication with a merchant computer system, a cardholder input terminal, and the interchange network computer system, the interface module being further configured for direct communication with the merchant computer system and the cardholder input terminal,
wherein the cardholder input terminal is configured to access a merchant website by communicating with the merchant computer system to enable a cardholder to initiate the financial transaction using a transaction card, and
wherein the interface module is a computer module separate from the merchant computer, and wherein the interface module is configured to process the financial transaction by communicating with the interchange network computer system using an enhanced protocol.
11. A system in accordance with claim 10, wherein the interface module is further configured to:
receive initial identification (ID) data from the merchant computer system;
generate a first verification enrollment request (VEReq) message based on the initial ID data, the first VEReq message including at least one of a merchant identifier and an account number used to verify the enrollment of the merchant in an express check out program;
transmit the first VEReq message to the interchange network computer system;
receive a verification enrollment response (VERes) message, the VERes message affirmatively verifies enrollment of the merchant in the express check out program; and
generate a payer authentication request (PAReq) message using the enhanced protocol, the enhanced protocol defining a first set of data field extensions associated with the PAReq message.
12. A system in accordance with claim 11, wherein the interface module is further configured to:
send the PAReq message to the interchange network computer system; and
open a session between the cardholder input terminal and the interchange network computer system, the cardholder is prompted to input access credentials during the session.
13. A system in accordance with claim 10, wherein the interface module is further configured to:
generate a payer authentication request (PAReq) message using the enhanced protocol, the enhanced protocol defining the first set of data field extensions associated with the PAReq message, the first set of data field extensions including data representing at least one of a transaction card brands supported for payment, a response time limit, and item purchase information.
14. A system in accordance with claim 10, wherein the interface module is further configured to:
receive a payer authentication response (PARes) message using the enhanced protocol, the enhanced protocol defining a second set of data field extensions associated with the PARes message; and
extract data from the PARes message and the second set of data field extensions.
15. A system in accordance with claim 14, wherein the interface module is further configured to:
format the extracted data into a predefined format;
transmit the formatted data to the merchant computer system; and
automatically direct the input terminal to a specified merchant website such that the cardholder is able to complete the financial transaction using the specified merchant website.
16. A system in accordance with claim 14, wherein the interface module is further configured to:
receive the PARes message using the enhanced protocol, the enhanced protocol defining the second set of data field extensions associated with the PARes message, the second set of data field extensions including data representing at least one of billing information, a security code, an expiry date, a primary account number, a phone number of the cardholder, a promotion code, loyalty numbers, and shipping information.
17. A system in accordance with claim 10, wherein the interface module is further configured to:
generate a second VEReq message using the enhanced protocol upon the cardholder completing the financial transaction, the enhanced protocol defining a third set of data field extensions associated with the second VEReq message, the third set of data field extensions including data representing at least one of a final transaction amount, an authorization response code, and a promotion code associated with the financial transaction; and
transmit the second VEReq message to the interchange network computer system.
18. A system in accordance with claim 10, wherein the interface module is further configured to:
generate the first VEReq message based on the initial ID data by populating a first data field with the merchant identifier and a second data field with the account number, the merchant identifier used by the interchange network computer system to verify the enrollment of the merchant in the express check out program, the account number used by the interchange network computer system to verify the enrollment of the cardholder in the express check out program.
19. An interchange network computer for processing a financial transaction using an enhanced protocol, the financial transaction initiated by a cardholder with a merchant using a transaction card, said interchange network computer comprising:
an interchange processor; and
an interface module in communication with a merchant computer system, a cardholder input terminal, and the interchange processor, the interface module being further configured for direct communication with the merchant computer system and the cardholder input terminal, the interface module programmed to:
receive initial identification (ID) data directly from the merchant computer system in response to the initiated financial transaction;
generate a first verification enrollment request (VEReq) message based on the initial ID data, the first VEReq message including at least one of a merchant identifier and an account number used to verify the enrollment of the merchant in an express check out program; transmit the first VEReq message to the interchange processor;
receive a verification enrollment response (VERes) message from the interchange processor, the VERes message affirmatively verifies enrollment of the merchant in the express check out program; and
generate a payer authentication request (PAReq) message using the enhanced protocol, the enhanced protocol defining a first set of data field extensions associated with the PAReq message.
20. An interchange network computer in accordance with claim 19, wherein the interface module is further programmed to:
send the PAReq message to the interchange processor; and open a session between the cardholder input terminal and the interchange processor, the cardholder is prompted to input access credentials during the session.
21. An interchange network computer in accordance with claim 19, wherein the first set of data field extensions include data representing at least one of a transaction card brands supported for payment, a response time limit, and item purchase information.
22. An interchange network computer in accordance with claim 19, wherein the interface module is further programmed to:
receive a payer authentication response (PARes) message using the enhanced protocol, the enhanced protocol defining a second set of data field extensions associated with the PARes message; and
extract data from the PARes message and the second set of data field extensions.
23. An interchange network computer in accordance with claim 22, wherein the interface module is further programmed to:
format the extracted data into a predefined format;
transmit the formatted data to the merchant computer system; and
automatically direct the input terminal to a specified merchant website such that the cardholder is able to complete the financial transaction using the specified merchant website.
24. An interchange network computer in accordance with claim 22, wherein the second set of data field extensions include data representing at least one of billing information, a security code, an expiry date, a primary account number, a phone number of the cardholder, a promotion code, loyalty numbers, and shipping information.
25. An interchange network computer in accordance with claim 19, wherein the interface module is further programmed to:
generate a second VEReq message using the enhanced protocol upon the cardholder completing the financial transaction, the enhanced protocol defining a third set of data field extensions associated with the second VEReq message, the third set of data field extensions including data representing at least one of a final transaction amount, an authorization response code, and a promotion code associated with the financial transaction; and
transmit the second VEReq message to the interchange processor.
26. An interchange network computer in accordance with claim 19, wherein the interface module is further programmed to:
generate the first VEReq message based on the initial ID data by populating a first data field with the merchant identifier and a second data field with the account number, the merchant identifier used by the interchange processor to verify the enrollment of the merchant in the express check out program, the account number used by the interchange processor to verify the enrollment of the cardholder in the express check out program.
27. A computer program embodied on a computer readable medium for communicating financial transaction data between a plurality of computer devices using an interface module and an enhanced protocol, the financial transaction initiated by a cardholder at an input terminal using a transaction card for completing a purchase from a merchant, said program comprises at least one code segment executable by the interface module to instruct the interface module to:
receive initial identification (ID) data from a computer associated with the merchant, the interface module being a computer module separate from the merchant computer, the interface module being further configured for direct communication with the merchant computer and the cardholder input terminal;
generate a first verification enrollment request (VEReq) message based on the initial ID data, the first VEReq message including at least one of a merchant identifier and an account number; transmit the first VEReq message to an interchange network computer system;
receive a verification enrollment response (VERes) message from the interchange network computer system, the VERes message affirmatively verifying enrollment of the merchant in an express check out program; and generate a payer authentication request (PAReq) message using the enhanced protocol, the enhanced protocol defining a first set of data field extensions associated with the PAReq message.