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Funds Transfer Electronically

  • US 20100015957A1
  • Filed: 03/27/2009
  • Published: 01/21/2010
  • Est. Priority Date: 05/23/2008
  • Status: Active Grant
First Claim
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1. An apparatus to electronically transfer funds from a customer to a supplier, the customer having a mobile cellular telephone with a telephone number, a mobile cellular operator providing mobile cellular services to the mobile cellular telephone, a customer browser component connected to a network, the apparatus comprising:

  • a server component connected to the network; and

    a database coupled to the server component, wherein the server component is configured to;

    transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone of the customer;

    populate the database with an identification of the telephone number of the customer;

    receive classifications of offers sold by a plurality of suppliers;

    populate the database with a table associating the suppliers with classifications of the offers sold by the suppliers, the database including an identification of classifications for the telephone number of the customer; and

    determine whether to allow or prohibit transmission of text messages to effect payment based upon the identification of the classifications for the telephone number of the customer.

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