Transactional mobile system

• US 20070094113A1
• Filed: 10/21/2005
• Published: 04/26/2007
• Est. Priority Date: 10/21/2005
• Status: Abandoned Application

• Current Assignee: Eduardo Chapeta
• Original Assignee: Eduardo Chapeta
• Inventors: Chapeta, Eduardo
• Application Number:
  US11/256,635
• Publication Number:
  US 20070094113A1
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Disclosed is a secure transactional mobile system having a central hub in communication with a wireless network and/or device such a mobile phone, wherein the central hub processes a transactional request from the wireless device for validating the request. The central hub may forwards the validated request to a transactional network for payment or process the request internally for payment or transaction. Once payment has been approved, the central hub my then signal the wireless device that such has been accepted.

Claims

1. A transactional mobile system comprising:

a central hub in communication with a wireless network wherein the central hub processes a transactional request for validating the request;

the central hub further processing the validated request for payment; and

the central hub signaling a user upon approval of the payment.

2. The transactional mobile system of claim 1, further including the central hub signaling the user upon the initiation and/or completion of a transaction.

3. The transactional mobile system of claim 1, further including the central hub acquiring the identity of the user.

4. The transactional mobile system of claim 3, wherein the acquired identity includes a caller ID.

5. The transactional mobile system of claim 1, wherein the step of the central hub processing the validated request for payment includes the central hub forwarding the validated request to a transactional network for payment.

6. The transactional mobile system of claim 1, further including a first and second user, wherein the first user initiates the transaction request and the second user approves the transaction request.

7. The transaction mobile system of claim 1, wherein the use notifies the central hub as to the completeness of a transaction.

8. The transactional mobile system of claim 1, wherein the central hub communicates with the wireless network via a wireless device.

9. The transaction mobile system of claim 8, wherein the wireless device is selected from the group consisting essentially of a mobile phone, PDA, notebook and a smart phone.

10. The transactional mobile system of claim 1, wherein the step of the central hub further processing the validated request for payment includes authorizing payment from an internal account held on the central hub.

11. A transactional mobile system comprising:

a central hub in communication with a wireless device wherein the central hub processes a transactional request from the wireless device for validating the request;

the central hub forwarding the validated request to a transactional network for payment; and

the central hub signaling a user upon approval of the payment by the transactional network.

12. The transactional mobile system of claim 11, wherein the wireless device is a mobile phone.

13. The transactional mobile system of claim 11, wherein the transactional request includes a business identification and product/service code.

14. The transactional mobile system of claim 13, wherein the transactional request further includes a price quotient.

15. The transactional mobile system of claim 11, wherein the transactional request includes a customer identification.

16. The transactional mobile system of claim 11, wherein the central hub validates the request by cross referencing the transactional request with a known database.

17. The transactional mobile system of claim 11, further including a plurality of wireless devices being signaled upon approval of the payment by the transactional network.

18. A transactional mobile system comprising:

a central hub in communication with a mobile device, the central hub acquiring a caller ID from the mobile phone and receiving a transactional request from the mobile phone;

the central hub validating the transactional request;

the central hub forwarding the validated request to a transactional network for payment; and

the central hub signaling the mobile device upon approval of the payment by the transactional network.

19. The transactional mobile system of claim 18, wherein the transactional request includes transactional data selected from a price quotient, product/service code, business identification and/or customer identification.

20. The transactional mobile system of claim 19, wherein the transactional data is verified with a known database by the central hub.

21. The transactional mobile system of claim 18, wherein the mobile device is a mobile phone and transaction identifier is forwarded to the mobile phone by the central hub.

22. The transactional mobile system of claim 18, further including the central hub receiving a customer reply approving the transaction.

23. The transactional mobile system of claim 22, wherein the customer reply is received within a longevity time period.

24. The transactional mobile system of claim 18, further including a void notice sent to the mobile device if a customer reply is not received with a longevity time period.

25. The transactional mobile system of claim 18, further including a plurality of mobile devices being signaled by the central hub.

26. The transactional mobile system of claim 25, wherein the plurality of mobile devices include a customer phone, business phone and a third party phone.

27. The transactional mobile system of claim 18, wherein the central hub is in communication with a mobile phone network, internet and transactional network.

28. A transactional mobile system comprising:

a central hub in communication with a mobile phone, the central hub acquiring a caller ID from the mobile phone and receiving a transactional request from the mobile phone;

the transactional request comprising data selected from the group of a price quotient, product/service code, business identification and/or customer identification;

the central hub validating the transactional request by comparing the data to that contained in a known database of user information;

the central hub forwarding the validated request to a transactional network for payment; and

the central hub signaling the mobile phone upon approval of the payment by the transactional network.

29. The transactional mobile system of claim 28, further including the central hub receiving a customer reply approving the transaction.

30. The transactional mobile system of claim 28, wherein the customer reply is received within a longevity time period.