Text message payment
First Claim
Patent Images
1. A computer-implemented method of effectuating a payment, comprising:
- receiving at a computer server system a text message from a payor containing a payment request comprising a payment amount sent by a payor device operating independently of the computer server system;
debiting a payor account for an amount corresponding to the amount of the payment request; and
crediting a payee account that is independent of the computer server system.
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Accused Products
Abstract
A computer-implemented method of effectuating an electronic on-line payment includes receiving at a computer server system a text message from a payor containing a payment request representing a payment amount sent by a payor device operating independently of the computer server system, determining a payment amount associated with the text message and debiting a payor account for an amount corresponding to the amount of the payment request, and crediting an account of a payee that is independent of the computer server system.
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Citations
24 Claims
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1. A computer-implemented method of effectuating a payment, comprising:
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receiving at a computer server system a text message from a payor containing a payment request comprising a payment amount sent by a payor device operating independently of the computer server system;
debiting a payor account for an amount corresponding to the amount of the payment request; and
crediting a payee account that is independent of the computer server system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A computer-implemented method of initiating a payment transaction, comprising:
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receiving at a computing device an identifier for a payee;
receiving at the computing device a transaction amount to pay the payee; and
transmitting to a central payment processing system a text message containing information reflecting the payee'"'"'s identifier and the transaction amount. - View Dependent Claims (13, 14, 15)
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16. A computer-implemented method of effectuating electronic payments, comprising:
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registering a first user with a computer-based payment system;
registering a second user with the computer-based payment system;
causing the transfer of funds from the first user to the second user in response to receipt of a funds transfer text message. - View Dependent Claims (17, 18, 19, 20, 21)
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22. A system for managing financial payments, comprising:
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a text message interface configured to receive payment requests from remote text messaging devices;
an accounts database to stored information on a plurality of user registered with the system; and
a transaction module in electronic communication with the interface and the accounts database to transfer funds from a first registered user to a second registered user in response to a text messaged payment request. - View Dependent Claims (23, 24)
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Specification