METHOD AND SYSTEM FOR MANAGING CREDITS VIA A MOBILE DEVICE

• US 20100174595A1
• Filed: 06/12/2008
• Published: 07/08/2010
• Est. Priority Date: 06/12/2007
• Status: Abandoned Application

• Current Assignee: Apple Inc.
• Original Assignee: CVON
• Inventors: Aaltonen, Janne, Saru, Sami
• Application Number:
  US12/664,079
• Publication Number:
  US 20100174595A1
• Time in Patent Office: Days
• US Class Current: 705/14.230
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/2295 Parent-child type, e.g. where parent has control on child rights
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [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 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/349 Rechargeable cards
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0273 Determination of fees for advertising
• CPC Class Codes: G06Q 30/0277 : Online advertisement
• CPC Class Codes: G06Q 40/00 : Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/12 : Accounting
• CPC Class Codes: H04L 12/14 : Charging , metering or billing arrangements for data wireline or wireless communications
• CPC Class Codes: H04L 12/146 : using digital cash
• CPC Class Codes: H04W 4/24 : Accounting or billing

Abstract

System and method for delivering upon request credits having monetary value to a mobile device using a communications network. An account of available credit for the user of the mobile device is maintained and authorization to issue credit is generated when a request for credit for the mobile device is received and there is available credit in the account associated with the mobile device equal to or greater than the requested credit. Credit may be sponsored by one or more sponsors and issued to the user, upon authorization, to enable the user to use the mobile device to purchase items, e.g., at a point of sale terminal.

Claims

1. A system for delivering credits having monetary value to a mobile device using a communications network, comprising:

maintaining means for maintaining an account of available credit for a user of the mobile device, and for generating an authorization to issue credit upon request if there is available credit in the account associated with the mobile device equal to or greater than the requested credit;

delivery coordination means operatively coupled to said maintaining means for coordinating delivery of the credit; and

issuing means operatively coupled to said maintaining means and said delivery coordination means for receiving authorization to issue credit from said maintaining means, issuing credit and then notifying said delivery coordination means of the issuance of credit,

said delivery coordination means being operatively arranged to notify the user of the mobile device via the communications network upon receiving notification of issuance of credit from said issuing means.

2. The system of claim 1, wherein said means for maintaining an account of available credit comprise a billing system.

3. The system of claim 1, wherein said means for maintaining an account of available credit comprise a bank or a credit card company.

4. The system of claim 1, wherein said maintaining means are arranged to maintain at least one of an account of pre-paid credit and an account of post-paid credit.

5. The system of claim 1, wherein said maintaining means are arranged to manage the account such that the account is reduced by each amount of authorized credit.

6. The system of claim 1, wherein said delivery coordination means comprise a wallet service server arranged to deliver credit to the mobile device.

7. The system of claim 1, wherein said delivery coordination means are arranged to receive a request from the mobile device for credit and notify said maintaining means of the request for credit such that said maintaining means determine whether to generate an authorization to issue credit.

8. The system of claim 1, further comprising at least one mobile device.

9. The system of claim 8, wherein each of said at least one mobile device is selected from a group consisting of a mobile telephone, a multimedia computer, a personal digital assistant, a laptop computer and a personal computer.

10. The system of claim 1, further comprising at least one sponsor for providing credit.

11. The system of claim 10, wherein said at least one sponsor is an advertiser which provides credit for the user of the mobile device in exchange for requiring the user to be exposed to an advertisement via their mobile device.

12. The system of claim 10, wherein said at least one sponsor is operatively coupled to said maintaining means and said maintaining means manages payments from each of said at least one sponsor for credits they have provided.

13. The system of claim 10, wherein said at least one sponsor is arranged to communicate with said issuing means to enable said at least one sponsor to authorize issuance of credits to the user'"'"'s mobile device.

14. The system of claim 10, wherein said at least one sponsor is operatively coupled to the user'"'"'s mobile device and receives requests for credit from the mobile device, said at least one sponsor being arranged to decide whether to provide credit to the requester'"'"'s account at said maintaining means and if so, providing credit to the requester'"'"'s account at said maintaining means.

15. The system of claim 14, wherein said at least one sponsor is arranged to receive the request for credit in association with an identification of an item sought to be purchased by the user of the mobile device using the credit.

16. The system of claim 15, wherein the item is identified using a bar code, key word, picture or link to a web site.

17. The system of claim 10, wherein said maintaining means are arranged to await approval from said at least one sponsor prior to generating the authorization to issue credit.

18. The system of claim 1, wherein said issuing means are arranged to issue a code indicative of the issuance of a specific amount of credit which is delivered via said delivery coordination means to the mobile device, said code being usable by a point of sale terminal to communicate with said issuing means in order to verify the amount of credit associated with said code.

19. A computer program resident on computer-readable media and arranged to deliver credits having monetary value to a mobile device using a communications network, the computer program being arranged to:

maintain an account of available credit for a user of the mobile device;

receive a request for authorization of credit;

ascertain whether there is available credit in the account associated with the mobile device equal to or greater than the requested credit;

generate an authorization to issue credit when there is available credit in the account;

issue credit in response to the authorization; and

notify the user of the mobile device via the communications network of the issuance of credit.

20. The computer program of claim 19, wherein the computer program is further arranged to maintain at least one of an account of pre-paid credit and an account of post-paid credit.

21. The computer program of claim 19, wherein said computer program is further arranged to manage the account such that the account is reduced by each amount of authorized credit.

22. The computer program of claim 19, wherein said computer program is further arranged to enable at least one sponsor to provide available credit into the account.

23. The computer program of claim 22, wherein said computer program is further arranged to manage payments from each of the at least one sponsor for credits they have provided.

24. The computer program of claim 19, wherein said computer program is further arranged to issue a code indicative of the issuance of a specific amount of credit and coordinate delivery of the code to the mobile device, the code being usable by a point of sale terminal in order to verify the amount of credit associated with the code.

25. A method for delivering credits having monetary value to a mobile device using a communications network, comprising:

maintaining an account of available credit for a user of the mobile device;

receiving a request for authorization of credit;

ascertaining whether there is available credit in the account associated with the mobile device equal to or greater than the requested credit;

generating an authorization to issue credit when there is available credit in the account;

issuing credit in response to the authorization; and

notifying the user of the mobile device via the communications network of the issuance of credit.

26. The method of claim 25, wherein the step of maintaining an account comprises maintaining at least one of an account of pre-paid credit and an account of post-paid credit.

27. The method of claim 25, further comprising managing the account such that the account is reduced by each amount of authorized credit.

28. The method of claim 25, further comprising enabling at least one sponsor to provide available credit into the account.

29. The method of claim 28, further comprising managing payments from each of the at least one sponsor for credits they have provided.

30. The method of claim 28, wherein the step of issuing credit comprises issuing credit in exchange for requiring the user to be exposed to at least one advertisement from the at least one sponsor.

31. The method of claim 28, wherein the step of receiving the request for credit comprises receiving the request at the at least one sponsor, the at least one sponsor deciding whether to provide credit to the requester'"'"'s account and if so, providing credit to the requester'"'"'s account.

32. The method of claim 31, further comprising delivering the request for credit to the at least one sponsor in association with an identification of an item sought to be purchased using the credit.

33. The method of claim 32, further comprising identifying the item using a bar code, key word, picture or link to a web site.

34. The method of claim 28, further comprising requiring approval from the at least one sponsor prior to generating the authorization to issue credit.

35. The method of claim 25, further comprising:

delivering at least one advertisement to the mobile device; and

exposing the user of the mobile device to the at least one advertisement in exchange for issuance of credit.

36. The method of claim 25, wherein the step of issuing credit comprises issuing a code indicative of the issuance of a specific amount of credit and delivering the code to the mobile device, the code being usable by a point of sale terminal in order to verify the amount of credit associated with the code.

37. The method of claim 25, further comprising:

generating the request for credit at the mobile device; and

transmitting the request for credit via the communications network.

38. The method of claim 25, wherein the request is received via a short message service.

39. The method of claim 25, wherein the request is received at a wallet service server and the account is maintained in a billing system, the step of ascertaining whether there is available credit in the account associated with the mobile device equal to or greater than the requested credit comprising directing a request from the wallet service center to the billing system to analyze the account, the authorization to issue credit when there is available credit in the account being made by the billing system.

40. A system for conducting a mobile advertising campaign in which credits having monetary value are delivered to a mobile device using a communications network in exchange for exposure to at least one advertisement, comprising:

maintaining means for maintaining an account of available credit for the user of the mobile device, and for generating an authorization to issue credit upon request if there is available credit in the account associated with the mobile device equal to or greater than the requested credit;

enabling means for enabling at least one advertiser to provide advertisements and credit into the account in said maintaining means;

delivery coordination means operatively coupled to said maintaining means for coordinating delivery of the credit sponsored by an advertiser and an advertisement to the mobile device; and

issuing means operatively coupled to maintaining means and said delivery coordination means for receiving authorization to issue credit from said maintaining means, issuing credit and then notifying said delivery coordination means of the issuance of credit,

said delivery coordination means being operatively arranged to notify the user of the mobile device via the communications network upon receiving notification of issuance of credit from said issuing means,

the mobile device being operatively arranged to require exposure to the delivered advertisements in order to enable use of the credit.

41. The system of claim 40, wherein said means for maintaining an account of available credit comprise a billing system.

42. The system of claim 40, wherein said means for maintaining an account of available credit comprise a bank or a credit card company.

43. The system of claim 40, wherein said maintaining means are arranged to maintain at least one of an account of pre-paid credit and an account of post-paid credit.

44. The system of claim 40, wherein said maintaining means are arranged to manage the account such that the account is reduced by each amount of authorized credit.

45. The system of claim 40, wherein said delivery coordination means comprise a wallet service server arranged to deliver credit to the mobile device.

46. The system of claim 40, wherein said delivery coordination means are arranged to receive a request from the mobile device for credit and notify said maintaining means of the request for credit such that said maintaining means determine whether to generate an authorization to issue credit.

47. The system of claim 40, wherein each mobile device is selected from a group consisting of a mobile telephone, a multimedia computer, a personal digital assistant, a laptop computer and a personal computer.

48. The system of claim 40, wherein said at least one advertiser is coupled to said maintaining means and said maintaining means manages payments from each of said at least one advertiser for credits they have provided.

49. The system of claim 40, wherein said at least one advertiser is arranged to communicate with said issuing means to enable said at least one advertiser to authorize issuance of credits to the user'"'"'s mobile device.

50. The system of claim 40, wherein said at least one advertiser is operatively coupled to the user'"'"'s mobile device and receives requests for credit from the mobile device, said at least one advertiser being arranged to decide whether to provide credit to the requester'"'"'s account at said maintaining means and if so, providing credit to the requester'"'"'s account at said maintaining means.

51. The system of claim 40, wherein said issuing means are arranged to issue a code indicative of the issuance of a specific amount of credit which is delivered via said delivery coordination means to said mobile device, said code being usable by a point of sale terminal to communicate with said issuing means in order to verify the amount of credit associated with said code.

52. The system of claim 40, wherein said enabling means are arranged to provide data about the user of the mobile device to said at least one advertiser to enable said at least one advertiser to consider such data when deciding whether to provide credit to the user.