Mobile Client Application for Mobile Payments
First Claim
1. A method comprising:
- displaying a first screen on a display of a mobile phone to show a plurality of options comprising a first option to pay money to another and a second option to request balance information;
upon a user selecting the first option, displaying a second screen where the user enters a target phone number to which to send payment;
after the user enters the target phone number, displaying a third screen where the user enters a transaction amount;
after the user enters the phone number, displaying a fourth screen where the user enters a PIN code; and
after the user enters the PIN code, wirelessly sending transaction information comprising the target phone number, transaction amount, and PIN code to a server for processing.
2 Assignments
0 Petitions
Accused Products
Abstract
A mobile client application executes on a mobile phone and interfaces with a mobile payment platform. A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder'"'"'s mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions may be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions may be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or “widget.” The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.
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Citations
8 Claims
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1. A method comprising:
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displaying a first screen on a display of a mobile phone to show a plurality of options comprising a first option to pay money to another and a second option to request balance information;
upon a user selecting the first option, displaying a second screen where the user enters a target phone number to which to send payment;
after the user enters the target phone number, displaying a third screen where the user enters a transaction amount;
after the user enters the phone number, displaying a fourth screen where the user enters a PIN code; and
after the user enters the PIN code, wirelessly sending transaction information comprising the target phone number, transaction amount, and PIN code to a server for processing. - View Dependent Claims (3, 4, 5, 6, 7, 8)
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2. The method comprising:
after the user enters the target phone number, displaying a fifth screen where the user enters an optional message.
Specification