Transferring Funds Electronically
First Claim
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, a supplier browser component connected to the network, the apparatus comprising:
- a server component connected to the network; and
a database component coupled to the server component, wherein the server is configured to;
transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect a payment from the customer to the supplier after the customer has placed an order with the supplier;
populate the database component with an identification of the telephone number of the customer;
prompt the customer to supply additional personal data; and
populate the database component with the additional personal data in response to the additional personal data.
8 Assignments
0 Petitions
Accused Products
Abstract
Apparatuses and methods to transfer funds electronically via premium messages. In one aspect, an apparatus to electronically transfer funds from a customer to a supplier includes: a server component connected to a network; and a database component coupled to the server component. The server is configured to transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect a payment from the customer to the supplier after the customer has placed an order with the supplier. The server component is configured to populate the database component with an identification of the customer telephone number. The server component is configured to prompt the customer to supply additional personal data. In response to the additional personal data, the server component populates the database component with the additional personal data.
-
Citations
18 Claims
-
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, a supplier browser component connected to the network, the apparatus comprising:
-
a server component connected to the network; and a database component coupled to the server component, wherein the server is configured to; transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect a payment from the customer to the supplier after the customer has placed an order with the supplier; populate the database component with an identification of the telephone number of the customer; prompt the customer to supply additional personal data; and populate the database component with the additional personal data in response to the additional personal data. - View Dependent Claims (2, 3, 4, 5, 6)
-
-
7. A method to transfer funds electronically, the method comprising:
-
transmitting a plurality of premium rate mobile terminating text messages from a server to a mobile cellular telephone having a telephone number to effect payment from a customer to a supplier after the customer has placed an order with the supplier via a network connected browser; populating a database at the server with an identification of the telephone number; prompting the customer to supply additional personal data; and in response to the additional personal data, populating the database with the additional personal data. - View Dependent Claims (8, 9, 10, 11, 12)
-
-
13. A computer-readable medium having computer-readable instructions, the instructions causing a computer to perform a method, the method comprising:
-
transmitting a plurality of premium rate mobile terminating text messages to a mobile cellular telephone having a customer telephone number to effect payment from a customer to a supplier after the customer has placed an order with the supplier via a network connected browser; populating a database with an identification of the customer telephone number; prompting the customer to supply additional personal data; and in response to the additional personal data, populating the database with the additional personal data. - View Dependent Claims (14, 15, 16, 17, 18)
-
Specification