METHOD AND SYSTEM FOR PROVIDING REAL-TIME ACCESS TO MOBILE COMMERCE PURCHASE CONFIRMATION EVIDENCE

• US 20110022522A1
• Filed: 06/04/2010
• Published: 01/27/2011
• Est. Priority Date: 06/04/2009
• Status: Abandoned Application

• Current Assignee: Alan Sege
• Original Assignee: Alan Sege
• Inventors: Sege, Alan
• Application Number:
  US12/794,583
• Publication Number:
  US 20110022522A1
• Time in Patent Office: Days
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G07F 7/1025 Identification of user by a PIN code
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 4/24 Accounting or billing

Abstract

A method and system are provided for providing a real-time access to mobile commerce payment evidence. The method includes receiving and storing evidence that a mobile handset user has confirmed his intention of making a purchase to be billed to his mobile operator account. The method further includes authenticating the confirmation received, and storing evidence of that authentication. Further, the method includes providing at least some of that evidence to at least one of the subscriber, the utility provider, and a provider of the product purchased.

Claims

1. A method for providing real-time access to evidence of mobile commerce payments from a subscriber having an account with a utility operator, the method comprising:

receiving a confirmation of a mobile commerce payment by the subscriber purchasing a product, wherein the product is not purchased from the utility operator;

authenticating the confirmation received;

storing evidence of the confirmation received; and

providing access to the evidence to at least one of the subscriber, the utility operator, and a seller of the product.

2. The method recited in claim 1, wherein receiving the confirmation comprises:

generating a verification code by one of random rules or pre-specified rules;

sending the verification code to a communication device of the subscriber; and

receiving the confirmation containing the verification code from the subscriber.

3. The method recited in claim 2, wherein the verification code comprises one or more of a numeric character, an alphabetic character and a special character.

4. The method recited in claim 2, wherein the communication device is one of a mobile phone, a computer, a laptop, an e-book reader, a netbook, and a PDA.

5. The method recited in claim 2, wherein the verification code is received from one of a web page, a WAP page, a return message from the communication device, a telephone call, a SMS message and a MMS message.

6. The method recited in claim 1, wherein the evidence comprises one or more of:

evidence of sending a verification code to the subscriber;

evidence of subscriber action to the verification code sent; and

evidence of outcome of the confirmation received from the subscriber.

7. The method recited in claim 6, wherein the outcome comprises one of a positive outcome, a negative outcome due to incorrect authentication code, a negative outcome due to duplicate transaction, a negative outcome due to the subscriber not being authorized to purchase the product, and a negative outcome due to timeout.

8. The method recited in claim 7, wherein access to the evidence is provided upon a positive outcome.

9. The method recited in claim 1, wherein providing the evidence comprises at least one of sending the evidence before authenticating the confirmation received, sending the evidence while authenticating the confirmation received and sending the evidence after authenticating the confirmation received.

10. The method recited in claim 1, wherein the product purchased is one of a third party content and a third party service.

11. The method recited in claim 1, wherein the evidence is for one of a one-time payment, a scheduled payment, a recurring payment, a subscription renewal, a subscription initiation and a cancellation of a subscription.

12. A system for providing a real-time access to evidence of mobile commerce payments from a subscriber having an account with a utility operator, the system comprising:

a confirmation module for receiving a confirmation of a mobile commerce payment by the subscriber purchasing a product, wherein the product is not purchased from the utility operator;

an authentication module for authenticating the confirmation received;

a memory module for storing evidence of the confirmation; and

an access module for providing access to the evidence and to at least one of the subscriber, the utility operator, and a seller of the product.

13. The system recited in claim 12, wherein the confirmation module comprises:

a code generation module for generating a plurality of verification codes by one of random rules or pre-specified rules;

a code sending module for sending one of the plurality of verification codes to a communication device of the subscriber; and

a code reception module for receiving the confirmation containing the verification code from the subscriber.

14. The confirmation module as recited in claim 13 further comprising:

a code database for storing the plurality of verification codes generated and a status of verification for each verification code of the plurality of verification codes.

15. The confirmation module as recited in claim 13, wherein the verification code comprises one or more of a numeric character, an alphabetic character and a special character.

16. The code reception module as recited in claim 13, wherein the verification code is received from one of a web page, a WAP page, a return message from the communication device, a telephone call, a SMS message and a MMS message.

17. The system as recited in claim 12, wherein the evidence comprises one or more of:

evidence of sending a verification code to the subscriber;

evidence of subscriber action to the verification code sent; and

evidence of outcome of the confirmation received from the subscriber.

18. The system recited in claim 17, wherein the outcome comprises one of a positive outcome, a negative outcome due to incorrect authentication code, a negative outcome due to duplicate transaction, a negative outcome due to the subscriber not authorized to make a transaction, and a negative outcome due to timeout.

19. The system recited in claim 18, wherein access to the evidence is provided upon a positive outcome.

20. The system recited in claim 12, wherein providing the evidence comprises at least one of sending the evidence before authenticating the confirmation received, sending the evidence while authenticating the confirmation received and sending the evidence after authenticating the confirmation received.

21. The system recited in claim 12, wherein the product purchased is one of a third party content and a third party service.

22. The system recited in claim 12, wherein the evidence is for one of a one-time payment, a scheduled payment, a recurring payment, a subscription renewal, a subscription initiation and a cancellation of subscription.

23. The system recited in claim 12, the confirmation module further comprising:

a notification module for notifying a remote observer about each of the plurality of verification codes and the verification results of each of the plurality of verification codes.

24. The system recited in claim 12, wherein the verification module resides at a location remote from a location of the seller of the product.

25. The system recited in claim 12, wherein the code database is capable of being queried by a remote observer via one of an on-demand application programming interface calls and a reporting system.

26. A computer program product for use with a computer, the computer program product comprising a computer usable medium having a computer readable program code stored thereon for providing real-time access to evidence of mobile commerce payments from a subscriber having an account with a utility operator, the computer readable program code comprising:

receiving means for receiving a confirmation of a mobile commerce payment from the subscriber purchasing a product, wherein the product is not purchased from the utility operator;

authenticating means for authenticating the confirmation received;

storing means for storing an evidence of the confirmation received; and

access providing means for providing access to the evidence to at least one of the subscriber, the utility operator, and a seller of the product.

27. The computer program product recited in claim 26, wherein the means for receiving comprises:

generating means for generating a verification code by one of random rules or pre-specified rules;

sending means for sending the verification code to a communication device of the subscriber; and

receiving means for receiving the confirmation containing the verification code from the subscriber.