Delivery of Value Identifiers Using Short Message Service (SMS)

• US 20090036106A1
• Filed: 10/03/2008
• Published: 02/05/2009
• Est. Priority Date: 03/23/2005
• Status: Active Grant

• Current Assignee: e2Interactive Incorporated
• Original Assignee: e2Interactive Incorporated
• Inventors: Tagg, Brian Roger, Lowin, Leslie George, Guest, John David
• Granted Patent: US 9,256,867 B2
• Time in Patent Office: Days
• US Class Current: 455/414.100
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• 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 30/0239 Online discounts or incentives
• CPC Class Codes: H04M 1/72436 for text messaging, e.g. short messaging services [SMS] or e-mails
• CPC Class Codes: H04M 15/06 Recording class or number of calling , i.e. A-party or called party , i.e. B-party
• CPC Class Codes: H04M 15/43 Billing software details
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 15/8221 Message based
• CPC Class Codes: H04M 17/00 Prepayment of wireline communication systems, wireless communication systems or telephone systems using a coded card to authorise calls from a telephone set H04M1/675
• CPC Class Codes: H04M 17/02 Coin-freed or check-freed systems , e.g. mobile- or card-operated phones, public telephones or booths
• CPC Class Codes: H04M 17/10 Account details or usage
• CPC Class Codes: H04M 17/20 with provision for recharging the prepaid account or card, or for credit establishment
• CPC Class Codes: H04M 17/204 on-line recharging, e.g. cashless
• CPC Class Codes: H04M 17/206 by sending a message, e.g. SMS, MMS or EMS
• CPC Class Codes: H04M 2215/0196 Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
• CPC Class Codes: H04M 2215/2026 Wireless network, e.g. GSM, PCS, TACS
• CPC Class Codes: H04M 2215/32 Involving wireless systems
• CPC Class Codes: H04W 4/24 Accounting or billing

Abstract

A system and method for adding value to a customer account are provided. An identifier associated with a value is distributed to a customer. The identifier is usable to add the value to an account. A request to add the value to a customer account is received via short message service (SMS). The request comprises the identifier and account identification information associated with the customer account. In some embodiments, the identifier may be entered into the device using text auto-completion software. The request is received from a user communication device as an SMS message. The value associated with the identifier and the customer account associated with the account identification number are identified based on the request. The value is caused to be added to the customer account. A confirmation that the value was added to the customer account is passed to the user communication device.

Claims

1-22. -22. (canceled)

23. A method for adding value to a customer account, comprising:

distributing to a merchant an identifier associated with a value for distribution to a customer, the identifier being redeemable with a plurality of providers, including a specific provider, the identifier also being usable to add the value to an account associated with a first communication device, the account being with the specific provider;

receiving at a central processor a request to activate the identifier from the merchant, the request resulting from a purchase of the identifier;

activating the identifier at the central processor and sending an activation notification to the merchant;

receiving at the central processor a request via short message service (SMS) to add the value to the account associated with the first communication device, the request being received from a specific communication device, the request being input by a user of the specific communication device, wherein the specific communication device may be the first communication device, and wherein the specific communication device facilitates the insertion of value into the account associated with the first user communication device, the request comprising;

the identifier associated with the value; and

account identification information associated with the account associated with the first communication device;

passing to the specific communication device a SMS message to confirm that the request was received and to verify that the value will be added to the account associated with the first communication device;

upon receiving a confirmation message at the central processor from the specific communication device verifying the account, identifying at the central processor the value associated with the identifier based on the request;

identifying at the central processor the specific provider and the account associated with the first communications device based on the SMS message;

causing the value to be added to the account; and

passing to the first user communication device a confirmation that the value was added to the account.

24. The method of claim 23, wherein, prior to receiving the request from the specific communication device, the identifier is input into the SMS message at the communication device at least in part by a user and at least in part automatically by the communication device.

25. The method of claim 23, wherein the identifier comprises at least one first set of alpha-numeric characters and at least one second set of alpha-numeric characters, and wherein the communication device is configured to automatically input the second set of alpha-numeric characters in response to receiving an input of the first set of alpha-numeric characters.

26. The method of claim 23, wherein at least a portion of the identifier is entered into the SMS message at the communication device using an auto-complete spelling function of a dictionary software program operative on the communication device.

27. The method of claim 23, wherein the identifier comprises a first portion and a second portion, wherein the first portion is entered into the SMS message into the communication device, and in response to entering the first portion into the communication device, the communication device automatically enters the second portion.

28. The method of claim 23, wherein the identifier comprises a first portion and a second portion, wherein the first portion is entered into the SMS message into the communication device, and in response to entering the first portion into the communication device, the communication device automatically suggests the second portion.

29. The method of claim 23, wherein a first portion of the identifier comprises a series of alpha-numeric characters, and wherein the first portion of the identifier is entered at the communication device by speaking each of the series of alpha-numeric characters.

30. The method of claim 23, wherein a first portion of the identifier comprises a series of alpha-numeric characters, and wherein the first portion of the identifier is entered at the communication device by speaking each of the alpha-numeric characters of the first portion of the identifier.

31. The method of claim 23, wherein a first portion of the identifier is entered at the communication device by verbal request, and wherein a second portion of the identifier is entered at the communication device by manually entering one or more alpha-numeric characters comprised in the second portion.

32. The method of claim 23, wherein, prior to receiving the request from the communication device, the identifier is keyed into the SMS message at the communication device by a user.

33. The method of claim 23, wherein the body of the SMS message comprises the identifier and the account identification information.

34. The method of claim 23, wherein the account identification information is stored in a memory storage system comprised in the communication device, and wherein the account identification information is entered into the body of the SMS message directly from the memory storage system.

35. The method of claim 23, wherein the identifier comprises a PIN.

36. The method of claim 23, wherein the communication device comprises a wireless phone having a phone number, and wherein the account identification information comprises the phone number.

37. The method of claim 23, wherein the account comprises a telecommunications service account.

38. The method of claim 23, wherein the account comprises a prepaid wireless telephone account.

39. The method of claim 23, wherein the account is usable to purchase online gaming service.

40. The method of claim 23, wherein the account is usable to purchase bridge or road toll service.

41. The method of claim 23, wherein the account is usable to enable one or more services on the first user communication device.

42. A system for adding value to a customer account, comprising:

a distribution system for distributing an identifier associated with a value to a customer, the identifier being redeemable with a plurality of providers, including a specific provider, the identifier also being usable to add the value to an account associated with a first communication device, the account being with the specific provider;

an input device for;

receiving a request to activate the identifier from the distribution system, the request resulting from a purchase of the identifier; and

receiving a request via short message service (SMS) to add the value to the account associated with the first communication device, the request being received from a specific communication device, the request being input by a user of the specific communication device, wherein the specific communication device may be the first communication device, and wherein the specific communication device facilitates the insertion of value into the account associated with the first user communication device, the request comprising;

the identifier associated with the value; and

account identification information associated with the account associated with the first communication device;

a processor for;

activating the identifier and sending an activation notification to the distribution system;

upon receiving a confirmation message from the specific communication device verifying the account, identifying the value associated with the identifier based on the request; and

identifying the specific provider and the account associated with the first communications device based on the SMS message;

a value insertion system for causing the value to be added to the account; and

an output device for;

passing to the specific communication device a SMS message to confirm that the request was received and to verify that the value will be added to the account associated with the first communication device; and

passing to the first user communication device a confirmation that the value was added to the account.