Payment system and method

• US 20030208444A1
• Filed: 05/06/2002
• Published: 11/06/2003
• Est. Priority Date: 05/06/2002
• Status: Abandoned Application

• Current Assignee: Hewlett-Packard Development Company, L.P. (HP Inc.)
• Original Assignee: Hewlett-Packard Development Company, L.P. (HP Inc.)
• Inventors: Sauer, Hermann
• Application Number:
  US10/140,403
• Publication Number:
  US 20030208444A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

A payment system and method are disclosed, whereby a user can order content or services via the Internet using a mobile radiotelephone. The mobile phone can be coupled to the content or service provider via the Internet (e.g., using the Wireless Application Protocol). The user can be billed for the purchased content or service(s) in the bill for the mobile phone.

Claims

1. A method for facilitating payments via a telecommunications network, comprising the steps of:

receiving a purchase request from a user;

sending a vouch for request associated with said purchase request to a network provider associated with said telecommunications network;

determining if said network provider vouches for said user;

if said network provider vouches for said user, releasing an item or service associated with said purchase request; and

said network provider requesting payment from said user for said released item or service associated with said purchase request.

2. The method of claim 1, wherein said telecommunications network comprises an Internet.

3. The method of claim 1, wherein said network provider comprises an Internet Service Provider (ISP).

4. The method of claim 1, wherein the receiving step comprises the step of:

a content or service provider receiving said purchase request from said user via an Internet.

5. The method of claim 1, wherein the sending step comprises the steps of:

a content or service provider sending a vouch for request associated with said purchase request to a payment system; and

said payment system sending said vouch for request to said network provider associated with said telecommunications network.

6. The method of claim 1, wherein the determining step comprises the steps of:

a payment system determining if said user is associated with said network provider; and

if said user is associated with said network provider, determining if said network provider vouches for said user.

7. The method of claim 1, wherein the step of said network provider requesting payment from said user comprises the step of:

said network provider sending a bill to said user, said bill including a charge for said released item or service associated with said purchase request.

8. A method for facilitating payments via a telecommunications network, comprising the steps of:

sending a purchase request f or an item or service via a wireless communications unit and said telecommunications network;

determining if said user is associated with a network provider for said telecommunications network;

if said user is not associated with a network provider for said telecommunications network, requesting identification information associated with said wireless communications unit from said user;

if said user responds to said request for identification information, allocating a transaction phone number associated with said user and said purchase request;

if a phone call for said transaction phone number is received, releasing an item or service associated with said purchase request; and

requesting payment from said user for said released item or service associated with said purchase request.

9. The method of claim 8, wherein the requesting payment step comprises the step of:

a wireless communications network provider requesting said payment from said user.

10. The method of claim 8, wherein said telecommunications network comprises an Internet.

11. The method of claim 8, wherein said network provider comprises an Internet Service Provider (ISP).

12. The method of claim 8, wherein the receiving step comprises the step of:

a content or service provider receiving said purchase request from said user via a mobile radiotelephone network and an Internet.

13. The method of claim 8, wherein said identification information comprises a mobile radiotelephone number.

14. The method of claim 8, wherein the determining step comprises the steps of:

a payment system determining if said user is associated with said network provider.

15. The method of claim 8, wherein the step of requesting payment from said user comprises the step of:

a wireless communications network provider sending a bill to said user, said bill including a charge for said released item or service associated with said purchase request.

16. A system for facilitating payments via a telecommunications network, comprising:

a first processing unit associated with a network provider;

a second processing unit coupled to said first processing unit, said second processing unit associated with a content or service provider; and

a payment processor unit, said first and second processing units coupled to said payment processor unit, wherein said first and second processing units and said payment processor unit are operable, in combination, to;

receive a purchase request from a user;

send a vouch for request associated with said purchase request to a network provider associated with said telecommunications network;

determine if said network provider vouches for said user;

release an item or service associated with said purchase request if said network provider vouches for said user; and

request payment from said user for said released item or service associated with said purchase request.

17. The system of claim 16, wherein said telecommunications network comprises an Internet.

18. The system of claim 16, wherein said network provider comprises an Internet Service Provider (ISP).

19. The system of claim 16, wherein said second processing unit is further operable to:

receive said purchase request from said user via an Internet.

20. The system of claim 16, wherein said second processing unit and said payment processor unit are further operable to:

send a vouch for request associated with said purchase request to said network provider associated with said telecommunications network.

21. The system of claim 16, wherein said payment processor unit if further operable to:

determine if said user is associated with said network provider; and

determine if said network provider vouches for said user if said user is associated with said network provider.

22. The system of claim 16, wherein said first processing unit is further operable to:

send a bill to said user, said bill including a charge for said released item or service associated with said purchase request.

23. A system for facilitating payments via a telecommunications network, comprising:

a wireless telecommunications network coupled to said telecommunications network;

a first processing unit associated with said wireless telecommunications network;

a second processing unit coupled to said first processing unit, said second processing unit associated with a content or service provider; and

a payment processor unit, said second processing unit coupled to said payment processor unit, wherein said first and second processing units and said payment processor unit are operable, in combination, to;

send a purchase request for an item or service via said first processing unit and said telecommunications network;

determine if said user is associated with a network provider for said telecommunications network;

request identification information associated with said wireless communications unit from said user if said user is not associated with a network provider for said telecommunications network;

allocate a transaction phone number associated with said user and said purchase request if said user responds to said request for identification information;

release an item or service associated with said purchase request if a phone call for said transaction phone number is received; and

request payment from said user for said released item or service associated with said purchase request.

24. The system of claim 23, wherein said second processing unit is further operable to:

request said payment from said user.

25. The system of claim 23, wherein said telecommunications network comprises an Internet.

26. The system of claim 23, wherein said network provider comprises an Internet Service Provider (ISP).

27. The system of claim 23, wherein said second processing unit is further operable to:

receive said purchase request from said user via a mobile radiotelephone network and an Internet.

28. The system of claim 23, wherein said identification information comprises a mobile radiotelephone number.

29. The system of claim 23, wherein said payment processor unit is further operable to:

determine if said user is associated with said network provider.

30. The system of claim 23, further comprising:

a wireless communications network operable to;

send a bill to said user, said bill including a charge for said released item or service associated with said purchase request.

31. Software for facilitating payments via a telecommunications network, the software embodied in computer-readable media and when executed operable to:

receive a purchase request from a user;

send a vouch for request associated with said purchase request to a network provider associated with said telecommunications network;

determine if said network provider vouches for said user;

release an item or service associated with said purchase request if said network provider vouches for said user; and

request payment from said user for said released item or service associated with said purchase request.

32. Software for facilitating payments via a telecommunications network, the software embodied in computer-readable media and when executed operable to:

send a purchase request for an item or service via a wireless communications unit and said telecommunications network;

determine if said user is associated with a network provider for said telecommunications network;

request identification information associated with said wireless communications unit from said user if said user is not associated with a network provider for said telecommunications network;

allocate a transaction phone number associated with said user and said purchase request if said user responds to said request for identification information;

release an item or service associated with said purchase request if a phone call for said transaction phone number is received; and

request payment from said user for said released item or service associated with said purchase request.