초록 ▼

Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electroni

Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.

대표청구항 ▼

1. A system that integrates consumer or business credit transactions with a mobile communication device (MCD), comprising: at least one computer processor coupled to a memory, the processor executes:a mobile identification component that receives a unique ID of the MCD;a mobile-credit interface comp

1. A system that integrates consumer or business credit transactions with a mobile communication device (MCD), comprising: at least one computer processor coupled to a memory, the processor executes:a mobile identification component that receives a unique ID of the MCD;a mobile-credit interface component that associates a credit account with the unique ID of the MCD;an authentication component that conditions access to the credit account associated with the MCD upon providing suitable identification;a sub-division component that divides the credit account into a plurality of sub-credit accounts, each of the sub-credit accounts are affiliated with a sponsoring entity, wherein each sponsoring entity is either a financial institution or a commercial vendor;a re-distribution component configured to apportion the available credit amount between the plurality of sub-credit accounts associated with the MCD or a user of the MCD;a rule-set database that provides guidelines for the re-distribution component to apportion available credit, based at least in part on two or more of a concurrent credit balance, comparison of concurrent credit balances, a ratio of balance to credit limit, or a number of transactions undertaken in a threshold period of time, or a combination thereof, associated with the credit account or the one or more additional financial accounts; anda management component that synchronizes a contemporaneous state of the credit account at the MCD and at a financial account server, wherein the contemporaneous state facilitates autonomous credit approval via the MCD, wherein a communication network need not be accessed to facilitate the credit approval, and wherein the contemporaneous state of the credit account reflects one or more offline transactions involving the MCD. 2. The system of claim 1, comprising: a remote communication interface that enables remote communication between the MCD and a second communication device; anda credit execution component that transfers funds between the credit account and an account associated with the second communication device to facilitate a credit payment or a credit transfer between the credit account and the account. 3. The system of claim 2, the transfer of funds involves a credit voucher that enables redemption of an amount of money from the credit account, the credit voucher can be delivered to an entity associated with the account in the form of an e-mail, a gift card delivered by physical mail, or forwarded to an automated teller machine for redemption in cash, or a combination thereof. 4. The system of claim 2, wherein the credit execution component employs a transaction rule to determine whether to obtain prior approval from at least one of the affiliated financial institutions or at least one of the commercial vendors before the funds transfer. 5. The system of claim 1, comprising: a location component that determines a contemporaneous location of the MCD or of a target account, or both; anda conversion processor that converts a balance of the credit account or a transfer of funds to or from the credit account from a first currency to a second currency, the second currency is appropriate to the contemporaneous location of the MCD or of the target account, or both. 6. The system of claim 1, comprising a payroll interface component that couples the credit account with a payroll server and facilitates automatic deposit of payroll funds to the credit account. 7. The system of claim 1, comprising: a benefit aggregation component that compiles credit reward benefits provided by the financial institution or the commercial vendor, stores the reward benefits in mobile device memory and synchronizes accumulation and expenditure of the reward benefits at the MCD and a credit server associated with the financial institution or commercial vendor. 8. The system of claim 1, the management component synchronizes the contemporaneous state of the credit account by interfacing the MCD and the financial account server via a mobile cellular network, a wired communication interface, a radio frequency (RF) wireless scanner, an optical frequency scanner/transmitter pair, a data network, or a satellite communication network, or a combination thereof. 9. The system of claim 1, the unique ID of the MCD or the credit account, or both, are further associated with a user of the MCD and provide user identification in conjunction with financial transactions related to the credit account. 10. The system of claim 1, wherein the contemporaneous state includes information associated with a credit balance of the credit account and a credit limit of the credit account. 11. The system of claim 1, wherein the re-distribution component automatically request an extension of credit for at least one of the plurality of sub-credit accounts. 12. The system of claim 1, wherein the one or more offline transactions were authorized according to predetermined rules established by at least one of the sponsoring entities. 13. A method of providing a mobile communication device (MCD) interface to a credit account and to transactions associated with the credit account, comprising: employing at least one computer processor to execute the following:receiving a unique ID of a MCD;associating a credit account sponsored by a first financial entity with the unique ID; andfracturing the credit account into multiple credit accounts, each multiple credit account is sponsored by one or more additional commercial or financial entities;synchronizing, via remote communication, transaction information pertaining to the credit account at the MCD and at a credit account server associated with the first financial entity, wherein the transaction information includes one or more offline transactions involving the MCD, wherein a communication network need not have been accessed to facilitate an autonomous credit approval for the one or more offline transactions;automatically allocating at least a portion of an amount associated with the transaction information to each of two or more of the multiple credit accounts, wherein the at least a portion is automatically allocated based at least in part upon a guideline that defines allocation of the available credit, based at least in part on two or more of a concurrent credit balance, comparison of concurrent credit balances, a ratio of balance to credit limit, or a number of transactions undertaken in a threshold period of time, or a combination thereof, associated with the credit account or the one or more additional financial accounts;receiving a request to extend a line of credit for at least one of the two or more of the multiple credit accounts via the mobile communication device;one of allowing or denying the request; andupdating the one of the two or more of the multiple credit accounts with an additional line of credit if the request was allowed. 14. The method of claim 13, comprising: interfacing the MCD with a second device associated with a financial account via a remote communication platform; andinitiating exchange of credit between the credit account and the financial account to accomplish payment for a product or service. 15. The method of claim 13, comprising aggregating benefits pertaining to credit transactions for the credit accounts, offered by the one or more commercial or financial entities, and incorporating the benefits into the credit account or into credit transactions associated with the credit account. 16. The method of claim 13, comprising shifting available credit between the credit account and one or more of the multiple credit accounts or an additional account associated with the MCD or a user of the MCD. 17. The method of claim 16, wherein shifting available credit is based at least in part upon a concurrent balance, a comparison of concurrent credit balances, a ratio of balance to credit limit, or a number of transactions undertaken in a threshold period of time, or a combination thereof, associated with the credit account, the one or more of the multiple credit accounts, or the additional account associated with the MCD or the user of the MCD. 18. The method of claim 13, comprising: determining a time, location or locale, or a combination thereof, of the MCD; andconverting a balance of the credit account or of a transaction associated with the credit account from a first currency to a second currency, where the second currency is appropriate for the determined time, location or locale, or a combination thereof. 19. A system that facilitates credit transactions by way of a mobile communication device (MCD), comprising: at least one computer processor coupled to a memory, the computer processor executes the following:means for associating a credit account with the MCD or a user of the MCD, the credit account is sponsored by a commercial or financial entity;means for dividing the credit account into a plurality of sub-credit accounts, each of the sub-credit accounts are affiliated with either a financial institution or a commercial vendor and wherein the plurality of sub-credit accounts share an available credit amount of the credit account;means for automatically allocating the available credit amount between the plurality of sub-credit accounts associated with the MCD or the user of the MCD, wherein the means for automatically allocating allocates based at least in part upon a guideline that defines allocation of the available credit, based at least in part on two or more of a concurrent credit balance, comparison of concurrent credit balances, a ratio of balance to credit limit, or a number of transactions undertaken in a threshold period of time, or a combination thereof, associated with the credit account or the one or more additional financial accounts;means for interfacing the MCD with a second device to exchange funds associated with the credit account to a financial account associated with the second device; andmeans for synchronizing the credit account at the mobile communication device and at an electronic server of the financial entity to reflect the exchange of funds, wherein the means for synchronizing synchronizes at least one peer to peer transaction that occurred while the MCD was offline, and wherein a communication network need not have been accessed to facilitate an autonomous credit approval for the at least one peer to peer transaction. 20. The system of claim 19, wherein at least one of: the MCD is a cellular phone, a wireless local area network (WLAN) phone, a multi-mode device, a mobile telephone, or an electronic device including at least memory, a processor and a means for remote communication, or a combination thereof;the electronic server of the financial entity is accessed by way of a mobile network, an RF scan, an optical scan, or a satellite communication network, or a combination thereof, that includes an interface to the electronic server; orthe second device is an automated teller machine (ATM), a second MCD associated with a consumer, or a computer, laptop, PDA, or terminal computer of a commercial, or industrial entity, or a combination thereof.