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System and method for mobile payment and fulfillment of digital goods

  • US 20040230489A1
  • Filed: 12/05/2003
  • Published: 11/18/2004
  • Est. Priority Date: 07/26/2002
  • Status: Abandoned Application
First Claim
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1. An electronic payment and fulfillment system utilized by a customer for purchasing a digital good comprising:

  • a merchant server adapted to receive a purchase order from said customer for the purchase of said digital good, and to create a digital order comprising purchase order information;

    a payment server adapted to receive said digital order from said merchant server and to further route said digital order;

    an authentication server adapted to receive said digital order from said payment server, format said digital order into a first message and further route said first message;

    a communication device comprising a payment card module wherein said payment card module is adapted to receive a payment card and read payment card identification information stored in said payment card, and wherein said communication device is adapted to receive said first message from said authentication server, display said first message to said customer, request and receive authorization for payment for said purchase order with said payment card from said customer, retrieve said payment card identification information, request and receive payment card security information from said customer, and route said authorization and said payment card identification and security information to the authentication server, and wherein said authentication server further routes said authorization and payment card identification and security information to said payment server and from said payment server to a financial institution, wherein said financial institution is asked to execute said payment and to send a payment confirmation through said payment server to said merchant server and to said authentication server; and

    a fulfillment server adapted to receive said payment confirmation from said payment server and transmit said digital good via said authentication server to said communication device, wherein said communication device stores said digital good onto said payment card.

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