System and method for paying a merchant using a cellular telephone account
First Claim
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1. A method of paying for a product other than a mobile device-related product or service other than a roaming service, comprising:
- receiving an amount from a merchant for the product or service, other than the roaming service;
receiving a telephone number of a user who will be paying for the product or service;
generating, to a mobile telephone account corresponding to the telephone number received, a roaming charge responsive to the amount;
causing the merchant to perform a goods or services action; and
causing the merchant to be provided funds responsive to the amount.
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Abstract
A system and method allows users to make purchases by charging or funding a prepaid debit card with their cell phone accounts by simulating a user roaming with their mobile device.
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Citations
21 Claims
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1. A method of paying for a product other than a mobile device-related product or service other than a roaming service, comprising:
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receiving an amount from a merchant for the product or service, other than the roaming service; receiving a telephone number of a user who will be paying for the product or service; generating, to a mobile telephone account corresponding to the telephone number received, a roaming charge responsive to the amount; causing the merchant to perform a goods or services action; and causing the merchant to be provided funds responsive to the amount. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system for paying for a product other than a mobile device-related product or service other than a roaming service, comprising:
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a user interface manager having an input for electronically receiving an amount from a merchant for the product or service, other than the roaming service and for receiving a telephone number of a user who will be paying for the product or service, the user interface manager for providing the amount and the telephone number at an output; a settlement manager having an input coupled to the user interface manager output for receiving the amount and the telephone number, the settlement manager for generating at an output, to a mobile telephone account corresponding to the telephone number received at the settlement manager input, a roaming charge responsive to the amount received at the settlement manager input and for causing via the settlement manager output the merchant to perform a goods or services action, and for crediting, via the settlement manager output, the merchant, responsive to the amount. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A computer program product comprising a computer useable medium having computer readable program code embodied therein for paying for a product or service other than a roaming service, the computer program product comprising computer readable program code devices configured to cause a computer system to (page 7, lines 9-10;
- page 8, lines 10-16);
receive an amount from a merchant for the product or service, other than the roaming service; receive a telephone number of a user who will be paying for the product or service; generate, to a mobile telephone account corresponding to the telephone number received, a roaming charge responsive to the amount; cause the merchant to perform a goods or services action; and cause the merchant to be provided funds responsive to the amount. - View Dependent Claims (16, 17, 18, 19, 20, 21)
- page 8, lines 10-16);
Specification