Method and system for data management in electronic payments transactions
First Claim
1. A method for prepaying wireless telecommunications charges, comprising:
- receiving information identifying a user'"'"'s wireless telecommunication device by a mobile payments engine via a mobile payments interactive voice response unit;
passing the information identifying the wireless telecommunication device to a mobile operator'"'"'s billing system with a request for validation of a mobile account for the user related to the device;
if validation of the account is received from the mobile operator'"'"'s billing system, receiving financial source account information from the user by the mobile payments engine via the mobile payments interactive voice response unit;
receiving user identity verification information from the user by the mobile payments engine;
assigning a mobile personal identification number for the user by the mobile payments engine; and
arranging a credit from the financial source account to the user'"'"'s mobile account by the mobile payments engine via the mobile operator'"'"'s prepaid billing system.
1 Assignment
0 Petitions
Accused Products
Abstract
A method and system for prepaying wireless telecommunications charges utilizes computer hardware and software including, for example, a user'"'"'s mobile phone, a mobile operator'"'"'s interactive voice response unit, a mobile payments interactive voice response unit, SMS, test messaging, email, ATM, kiosk, the Internet, and/or WAP or the like, a mobile payments engine, a mobile operator'"'"'s prepaid billing system, a subscriber database, a payment gateway, and a transaction processing platform. The mobile payments engine receives information identifying a user'"'"'s wireless telecommunication device via the mobile payments interactive voice response unit, passes the information to the mobile operator'"'"'s billing system with a request for validation of a mobile account for the user, and if validation is received, the mobile payments engine receives financial source account and user identity verification information from the user, assigns a mobile personal identification number for the user, and arranges a credit from the source account to the user'"'"'s mobile account.
203 Citations
49 Claims
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1. A method for prepaying wireless telecommunications charges, comprising:
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receiving information identifying a user'"'"'s wireless telecommunication device by a mobile payments engine via a mobile payments interactive voice response unit;
passing the information identifying the wireless telecommunication device to a mobile operator'"'"'s billing system with a request for validation of a mobile account for the user related to the device;
if validation of the account is received from the mobile operator'"'"'s billing system, receiving financial source account information from the user by the mobile payments engine via the mobile payments interactive voice response unit;
receiving user identity verification information from the user by the mobile payments engine;
assigning a mobile personal identification number for the user by the mobile payments engine; and
arranging a credit from the financial source account to the user'"'"'s mobile account by the mobile payments engine via the mobile operator'"'"'s prepaid billing system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A method for prepaying wireless telecommunications charges, comprising:
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capturing a phone number of a wireless phone of a user by a mobile payments engine via a call by the user to an interactive voice response unit;
receiving the user'"'"'s entry by the mobile payments engine via the interactive voice response unit of financial source account identification information that allows access by the mobile payments engine to at least one source account of funds of the user through a link;
notifying the user by the mobile payments engine via the interactive voice response unit that at least two debits in an amount between 0 and a predetermined number of units of applicable currency from the financial source account will be posted to a user account with a preselected wireless phone provider;
directing the user via the interactive voice response unit to contact a financial institution with which the financial source account is held to verify the amounts of the at least two debits and to contact the interactive voice response unit via a second toll-free call with the user'"'"'s wireless phone number;
upon receiving the user'"'"'s second toll-free call by the interactive voice response unit, confirming the user'"'"'s wireless phone number via caller ID and prompting the user to enter the at least two debit amounts;
if the user enters the at least two debit amounts correctly, crediting the at least two debits to the user account with the wireless phone provider and providing the user a mobile personal identification number for use by the user in future transactions via the mobile payments engine;
thereafter, receiving information from the user by the mobile payments engine via the mobile payments interactive voice response unit consisting at least in part of the user'"'"'s mobile personal identification number, the user'"'"'s wireless phone number and a requested replenishment amount;
mapping the information received from the user by the mobile payments engine to the financial source account information for the user;
passing the information received from the user by the mobile payments engine via the link to the financial institution with which the financial source account is held;
receiving an authorization message by the mobile payments engine via the link from the financial institution with which the financial source account is held;
passing the authorization message by the mobile payments engine to a prepaid billing system of the wireless phone provider informing the wireless phone provider to credit the user account with the wireless phone provider with the requested replenishment amount; and
sending a message to the user via the mobile payments interactive voice response unit by the mobile payments engine confirming the credit.
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23. A method for prepaying prepaid wireless communication charges, comprising:
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receiving a user'"'"'s entry via an interactive voice response unit by a mobile payments engine of user identification verification and financial source account information that allows the mobile payments engine access to at least one source account of funds of the user through a link;
assigning the user a mobile personal identification number for use by the user in replenishing an account of the user with a wireless telecommunications provider;
receiving the user'"'"'s selection via the interactive voice response unit by the mobile payments engine of an amount by which to increment the user'"'"'s wireless telecommunications account;
generating a transaction by the mobile payments engine in the amount requested by the user; and
instructing a prepaid billing system of the user'"'"'s wireless telecommunications provider by the mobile payments engine to increment the user'"'"'s wireless telecommunications account by the requested amount. - View Dependent Claims (24, 25)
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26. A system for prepaying wireless telecommunications charges, comprising:
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a mobile payments engine adapted for receiving information identifying a user'"'"'s wireless telecommunication device via a mobile payments interactive voice response unit, passing the information identifying the wireless telecommunication device to a mobile operator'"'"'s billing system with a request for validation of a mobile account for the user related to the device, and if validation of the account is received from the mobile operator'"'"'s billing system, receiving financial source account information from the user via the mobile payments interactive voice response unit;
the mobile payments engine being further adapted for receiving user identity verification information by the mobile payments engine via the mobile payments interactive voice response unit, assigning a mobile personal identification number for the user, and arranging a credit from the user'"'"'s financial source account to the user'"'"'s mobile account via the mobile operator'"'"'s prepaid billing system. - View Dependent Claims (27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45)
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46. A system for prepaying wireless telecommunications charges, comprising:
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a mobile payments engine adapted for capturing a phone number of a wireless phone of a user by via a call by the user to an interactive voice response unit, receiving the user'"'"'s entry via the interactive voice response unit of financial source account identification information that allows access by the mobile payments engine to at least one source account of funds of the user through a link;
the mobile payments engine being further adapted for notifying the user via the interactive voice response unit that at least two debits in an amount between 0 and a predetermined number of units of applicable currency from the financial source account will be posted to a user account with a preselected wireless phone provider and directing the user via the interactive voice response unit to contact a financial institution with which the financial source account is held to verify the amounts of the at least two debits and to contact the interactive voice response unit via a second toll-free call with the user'"'"'s wireless phone number;
the mobile payments engine being adapted, upon receiving the user'"'"'s second call via the interactive voice response unit, for confirming the user'"'"'s wireless phone number via caller ID and prompting the user to enter the at least two debit amounts, and if the user enters the at least two debit amounts correctly, crediting the two debits to the user account with the wireless phone provider and providing the user a mobile personal identification number for use by the user in future transactions via the mobile payments engine;
the mobile payments engine being further adapted for thereafter receiving information from the user via the mobile payments interactive voice response unit consisting at least in part of the user'"'"'s mobile personal identification number, the user'"'"'s wireless phone number and a requested replenishment amount, mapping the information received from the user to the financial source account information for the user, passing the information received from the user via the link to the financial institution with which the financial source account is held, receiving an authorization message via the link from the financial institution with which the financial source account is held, passing the authorization message to a prepaid billing system of the wireless phone provider informing the wireless phone provider to credit the user account with the wireless phone provider with the requested replenishment amount, and sending a message to the user via the mobile payments interactive voice response unit confirming the credit.
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47. A system for prepaying prepaid wireless communication charges, comprising:
a mobile payments engine adapted for receiving a user'"'"'s entry via an interactive voice response unit of user identification verification and financial source account information that allows the mobile payments engine access to at least one source account of funds of the user through a link, assigning the user a mobile personal identification number for use by the user in replenishing an account of the user with a wireless telecommunications provider, receiving the user'"'"'s selection via the interactive voice response unit of an amount by which to increment the user'"'"'s wireless telecommunications account, and generating a transaction in the amount requested by the user, and instructing a prepaid billing system of the user'"'"'s wireless telecommunications provider to increment the user'"'"'s wireless telecommunications account by the requested amount. - View Dependent Claims (48, 49)
Specification