SYSTEMS AND METHODS FOR CONDUCTING TRANSACTIONS

• US 20090248533A1
• Filed: 03/31/2008
• Published: 10/01/2009
• Est. Priority Date: 03/31/2008
• Status: Abandoned Application

• Current Assignee: Txttunes Limited
• Original Assignee: Txttunes Limited
• Inventors: Johnston, Paul, Lewis, Clive Malcolm, Carter, Bradley Hanan, Colemen, Matthew Donald
• Application Number:
  US12/059,597
• Publication Number:
  US 20090248533A1
• Time in Patent Office: Days
• US Class Current: 705/26
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Methods and systems for conducting a transaction which relate to receiving a transaction request from a transaction object containing a region identifier and a mobile device identifier. A short code is identified in a short code database based on the region identifier. A confirmation request message is transmitted to a mobile device corresponding to the mobile device identifier, where the confirmation request message includes a reply address corresponding to the short code.

Claims

1. A method for conducting a transaction, the method comprising:

receiving a transaction request from a transaction object containing a region identifier and a mobile device identifier;

identifying a short code based on the region identifier; and

transmitting a confirmation request message to a mobile device corresponding to the mobile device identifier, wherein the confirmation request message includes a reply address corresponding to the short code.

2. The method of claim 1 wherein the transaction request also contains a carrier system identifier and wherein the short code is identified based on both the region identifier and the carrier system identifier.

3. The method of claim 1 further comprising:

receiving a reply message corresponding to the confirmation request message and to the short code; and

authorizing the transaction in response to the reply message.

4. The method of claim 1 wherein the transaction relates to electronically deliverable content available from a content server and the method further comprises:

receiving a reply message corresponding to the confirmation request message and to the short code;

transmitting electronic content delivery instructions to the content server; and

transmitting a transaction authorization message to the transaction object.

5. The method of claim 1 wherein the transaction relates to electronically deliverable content and the method further comprises:

receiving a reply message corresponding to the confirmation request message and to the short code;

transmitting a transaction authorization message to the transaction object, wherein the transaction authorization message instructs the transaction object to deliver the content to a purchaser.

6. The method of claim 1 wherein the transaction relates to electronically deliverable content and the method further comprises:

receiving a reply message corresponding to the confirmation request message and to the short code; and

transmitting a transaction authorization message to the transaction object, wherein the transaction authorization message includes a link to the electronically deliverable content.

7. The method of claim 1 wherein the transaction relates to a physically deliverable item and the method further comprises:

receiving a reply message corresponding to the confirmation request message and to the short code; and

initiating delivery of the item to a purchaser.

8. The method of claim 1 further comprising:

assigning a transaction identifier to the transaction request;

recording the transaction in a transaction database; and

identifying the transaction as an open transaction.

9. The method of claim 8 further comprising:

receiving a reply message corresponding to the confirmation request message and to the short code;

identifying the transaction corresponding to the confirmation request message as a closed transaction.

10. The method of claim 1 wherein the confirmation request message includes a transaction identifier.

11. The method of claim 1 wherein the confirmation request message includes a transaction identifier, and wherein the reply message includes the transaction identifier.

12. The method of claim 1 wherein the transaction object is embedded within a merchant web page rendered on a customer device.

13. The method of claim 2 wherein the carrier system identifier corresponds to a carrier system, and wherein the short code corresponds to a transaction cost for charging an account associated with the mobile device maintained by the carrier system.

14. The method of claim 1 further comprising:

receiving a reply message corresponding to the confirmation request message and to the short code, wherein the reply message includes a keyword for charging a transaction cost associated with the transaction request.

15. The method of claim 14 wherein the confirmation request message includes the keyword.

19. A system for conducting a transaction, the system comprising at least one memory and at least one processor configured to perform the method steps of claim 1.

20. A system for conducting a transaction, the system comprising at least one memory and at least one processor configured to perform the method steps of claim 8.

16. A method of completing a transaction, the method comprising:

receiving a region identifier and a mobile device identifier;

transmitting a transaction request containing the region identifier and the mobile device identifier;

receiving a transaction authorization message; and

in response to the transaction authorization message, initiating completion of the transaction.

17. The method of claim 16 further including

receiving a carrier system identifier,

wherein the transmitted transaction request also contains the carrier system identifier.

18. The method of claim 16 wherein the transaction relates to electronically deliverable content, the transaction authorization message contains a link to the content and wherein, initiating completion of the transaction includes making the content available using the link.