Text and multimedia messaging payment method

• US 20070094135A1
• Filed: 10/21/2005
• Published: 04/26/2007
• Est. Priority Date: 10/21/2005
• Status: Abandoned Application

• Current Assignee: Ian Eisenberg
• Original Assignee: Ian Eisenberg
• Inventors: Eisenberg, Ian, Moore, Jeffrey, Erickson, Ronald
• Application Number:
  US11/255,570
• Publication Number:
  US 20070094135A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/322 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 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255

Abstract

Described is a system that relates to purchases of and/or access to remotely located goods, services and information in general, such as through the Internet or by mobile phone devices, including chat services, dating services, matchmaking services, meeting services, access to games and other executable products, access to wallpaper displays and ringtones for phones, news of any type, sports, gaming and betting, weather reports, and in general any and all services, goods and information which may be provided by a telephone device, the Internet or by any means, and which may be paid for by way of text and/or multimedia messaging.

Claims

1. A method for wireless payment of remotely-located goods, services and/or information, the method comprising:

downloading and installing a client application in the mobile device;

contacting a payment means;

registering for payment with said payment means, the registration being performed by way of wireless text and/or multimedia messaging; and

conducting payment through said payment means using the client application.

2. The method of claim 1, further comprising selecting a payment option in conjunction with said payment means.

3. The method of claim 1, wherein said payment means comprises a vendor payment receiving entity.

4. The method of claim 1, wherein said payment means comprises a vendor payment receiving entity forwarding payment to a payee institution

5. The method of claim 1, further comprising receiving a return notification by text and/or multimedia messaging of accepted and/or declined payment.

6. The method of claim 1, wherein said remotely-located services, goods and/or information is a selected one or more of chat services, dating services, matchmaking services, adult content services, betting, gaming, gambling and handicapping services, technical support and know-how services, language learning, tutoring and educational services, legal services, medical services, psychiatric and psychological services, business services, architectural services, accounting services, tax services, real estate services, leasing services, renting services, buying services, private eye services, credit services, background checking services, contracting services, lobbying services, writing services, marriage counseling services, any type of counseling services, games, computer software and all executable products, phone display wallpaper, ringtones, tolls, fines, debts, music, movies, videos, financial products, application products, design and engineering products, drawings and architectural products, personal histories, product histories, credit histories, business histories, tax histories, credit histories, genealogies, criminal histories, identification histories.

7. A computer-readable medium encoded with computer-executable instructions which, when executed, perform a method for wireless payment of remotely-located goods, services and/or information, the instructions comprising:

contacting a payment means;

downloading a client application to a mobile device;

installing the client application in the mobile device;

registering for payment with said payment means, the registration being performed by way of wireless text and/or multimedia messaging; and

conducting payment through said payment means.

8. The computer-readable medium recited in claim 7, wherein the instructions further comprise selecting a payment option in conjunction with said payment means.

9. The computer-readable medium recited in claim 7, wherein said payment means comprises a vendor payment receiving entity.

10. The computer-readable medium recited in claim 7, wherein said payment means comprises a vendor payment receiving entity forwarding payment to a payee institution.

11. The computer-readable medium recited in claim 7, further comprising receiving a return notification by text and/or multimedia messaging of accepted and/or declined payment.

12. The computer-readable medium recited in claim 7, wherein said remotely-located services, goods and/or information is a selected one or more of chat services, dating services, matchmaking services, adult content services, betting, gaming, gambling and handicapping services, technical support and know-how services, language learning, tutoring and educational services, legal services, medical services, psychiatric and psychological services, business services, architectural services, accounting services, tax services, real estate services, leasing services, renting services, buying services, private eye services, credit services, background checking services, contracting services, lobbying services, writing services, marriage counseling services, any type of counseling services, games, computer software and all executable products, phone display wallpaper, ringtones, tolls, fines, debts, music, movies, videos, financial products, application products, design and engineering products, drawings and architectural products, personal histories, product histories, credit histories, business histories, tax histories, credit histories, genealogies, criminal histories, identification histories.

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19. A method of conducting a financial transaction using a mobile device, comprising:

creating an SMS message at a mobile device, the SMS message including information that specifies an economic transaction, the mobile device being identified by a Mobile Identification Number (MIN);

transmitting the SMS message from the mobile device to a vendor having a database of approved customers, the approved customers being identified as customers on whose behalf the vendor is authorized to consummate economic transactions with a payment institution at which the customers have accounts, the database further including associative information that associates each approved customer with a corresponding MIN; and

receiving confirmation information that the vendor consummated the economic transaction with the payment institution, the confirmation being an acknowledgement that the vendor verified that the MIN of the mobile device corresponds to at least one approved customer in the vendor'"'"'s database.