Method and/or system for extending payment system architectures and/or legacy order processing systems to mobile commerce applications via text messaging

• US 10,140,608 B2
• Filed: 05/04/2017
• Issued: 11/27/2018
• Est. Priority Date: 07/25/2005
• Status: Active Grant

• Current Assignee: CardinalCommerce Corporation (Visa, Inc.)
• Original Assignee: CardinalCommerce Corporation (Visa, Inc.)
• Inventors: Sherwin, Francis, Balasubramanian, Chandra S.
• Primary Examiner(s): Airapetian, Mila
• Application Number:
  US15/586,866
• Publication Number:
  US 20170236115A1
• Time in Patent Office: 572 Days
• Field of Search: 705 261
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce
• CPC Class Codes: H04L 51/18 Commands or executable codes
• CPC Class Codes: H04L 51/58 Message adaptation for wireless communication

Abstract

A text message order processing system includes: means for receiving text messages from consumers purchasing products from one or more merchants, each of the text messages being addressed to an address selected by the consumer and including an identification of the product being purchased and an identification of a device from which the text message was sent; means for parsing each text messages to extract the identification of the product and the identification of the device from the text massage; means for selecting based upon each received text message a payment instrument to be used to pay for the purchase; means for establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered; means for generating for each received text message an order including the established payment information, delivery information and identification of the product being purchased; and, means for submitting the generated order to an order management system of the merchant.

Claims

1. A text message processing system comprising:

a text message processing server configured to, by at least one processor;

receive a first text message from a party, the first text message, including an identification of information being sought by the party and instructions to manipulate the identified information, wherein the first text message is inshort message service (SMS) format;

when two or more merchants share a common shortcode, identify a particular merchant by a keyword in a body of the text message;

parse the first text message to identify the information being sought by the party;

generate a request for the identified information and manipulate the identified information in accordance with the instructions, the request being in a format other than a text message format;

submit the request to an information server having access to the identified information;

obtain the identified information as manipulated from the information server, the obtained information being in a format other than a text message format;

include the obtained information in a second text message; and

send the second text message back to the party.

2. The system of claim 1, wherein the body of the first text message includes:

order instructions identifying a product or service being sought by the party;

delivery instructions identifying a destination address; and

payment instructions identifying a type of payment method to be used.

3. The system of claim 1, wherein:

the body of the first text message includes order instructions identifying a product or service being sought by the party; and

the product or service comprises a wireless personal identification number (PIN) for wireless airtime.

4. The system of claim 1, wherein:

the body of the first text message includes order instructions identifying a product or service being sought by the party; and

the product or service comprises a calling card number for calling card minutes.

5. A method, performed by at least one processor, comprising:

receiving a first text message from a party, the first text message including an identification of information being sought by the party and instructions to manipulate the identified information, wherein the first text message is in short message service (SMS) format;

when two or more merchants share a common shortcode, identifying a particular merchant by a keyword in a body of the text message;

parsing the first text message to identify the information being sought by the party;

generating a request for the identified information and manipulating the identified information in accordance with the instructions, the request being in a format other than a text message format;

submitting the request to an information server having access to the identified information;

obtaining the identified information as manipulated from the information server, the obtained information being in a format other than a text message format;

including the obtained information in a second text message; and

sending the second text message back to the party.

6. The method of claim 5, wherein the body of the first text message includes:

order instructions identifying a product or service being sought by the party;

delivery instructions identifying a destination address; and

payment instructions identifying a type of payment method to be used.

7. The method of claim 5, wherein:

the body of the first text message includes order instructions identifying a product or service being sought by the party; and

the product or service comprises a wireless personal identification number (PIN) for wireless airtime.

8. The method of claim 5, wherein:

the body of the first text message includes order instructions identifying a product or service being sought by the party; and

the product or service comprises a calling card number for calling card minutes.