Mobile device credit account

摘要

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.

主权项

1. A method for synchronizing a mobile communication device (MCD) with a credit account, comprising:
associating a unique ID of a MCD with a credit account, the unique ID corresponding to a user of the MCD, the credit account sponsored by a financial entity; dividing the credit account into one or more sub-credit accounts; apportioning credit from a credit line of the credit account to at least some of the one or more sub-credit accounts; initiating a transaction on behalf of the MCD; obtaining transaction approval for the transaction based on one or more predetermined transaction rules and no link between the credit account sponsored by the financial entity and the MCD at the time of the transaction; and synchronizing a server of the financial entity with the MCD based on the transaction initiated by the MCD, wherein the synchronizing occurs when a link between the server of the financial entity and the MCD is available, and wherein at least some of at least one of the associating, initiating, obtaining, or synchronizing are implemented at least in part via a processing unit.