Mobile Person-to-Person Payment System
First Claim
1. A financial transactions system comprising:
- a consumer interface, coupled to a network, comprising;
a Web interface to handle transaction requests from a Web browser client;
a mobile Internet browser to handle transaction requests from a mobile Internet browser on a mobile phone client;
an SMS interface to handle transaction requests using SMS text messenging; and
a mobile client application interface to handle requests from a mobile client application executing on mobile phone client.
4 Assignments
0 Petitions
Accused Products
Abstract
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
12 Claims
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1. A financial transactions system comprising:
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a consumer interface, coupled to a network, comprising;
a Web interface to handle transaction requests from a Web browser client;
a mobile Internet browser to handle transaction requests from a mobile Internet browser on a mobile phone client;
an SMS interface to handle transaction requests using SMS text messenging; and
a mobile client application interface to handle requests from a mobile client application executing on mobile phone client. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method comprising:
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providing an application program interface to conduct transactions with a first financial partner;
providing an SMS messenging interface to receive requests to conduct transactions; and
providing a mobile client application interface to receive requests to conduct transactions, wherein through the SMS messenger interface or the mobile client interface, a client may request a transfer money from a first account at the first financial partner to a second account at the second financial partner. - View Dependent Claims (11, 12)
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Specification