MOBILE PAYMENT SYSTEM AND METHOD USING ALIAS
First Claim
Patent Images
1. A method comprising:
- receiving a payment request message from a mobile phone operated by a payer, wherein the payment request message includes a request to pay a payee a predetermined amount of money, and wherein the payment request message comprises a personal alias associated with the payee and a transaction amount;
analyzing the payment request message to determine if the payer is authorized to pay the payee; and
sending a payment notification message to the payee indicating that a payment from the payer to the payee has been made.
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Abstract
Methods and systems are disclosed for allowing financial transactions to be conducted using mobile phones. A payer initiates a transaction by sending a payment request message from a mobile phone which specifies the payee and amount to be paid. Payees are identified by unique aliases, which are maintained in a database. Methods for assembling the enrollment and alias database are included.
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Citations
24 Claims
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1. A method comprising:
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receiving a payment request message from a mobile phone operated by a payer, wherein the payment request message includes a request to pay a payee a predetermined amount of money, and wherein the payment request message comprises a personal alias associated with the payee and a transaction amount; analyzing the payment request message to determine if the payer is authorized to pay the payee; and sending a payment notification message to the payee indicating that a payment from the payer to the payee has been made. - View Dependent Claims (2, 3, 4, 5)
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6. A method comprising:
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receiving a payment request message from a payer, the payment request message comprising an amount of money to be paid to a payee and an alias associated with the payee, where the payment request message is sent by the payer via a mobile phone operated by the payer; sending an authentication request message to the mobile phone in response to the payment request message, where the authentication request message is sent to the mobile phone; receiving an authentication token from the payer in response to sending the authentication request message, where the authentication token is sent by the payer using the mobile phone; verifying that the authentication token is associated with the payer; and if the authentication token is verified as being associated with the payer, then initiating a payment for the amount of money to the payee using the alias. - View Dependent Claims (7, 8, 9, 10, 11, 12, 13)
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14. A method comprising:
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receiving a registration request from a payee to create an alias uniquely associated with that payee, where the request specifies the alias requested, and wherein the payee operates a mobile phone and can receive or make payments using the alias and mobile phone; comparing the alias with other previously registered aliases associated with other payees; and if the requested alias has not already been associated with another payee, registering the alias with the payee. - View Dependent Claims (15)
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16. A method comprising:
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sending a payment request message using a mobile phone to a payment processing network, where the payment request message comprises an amount of money to be paid and an alias, where the alias is associated with a payee; receiving in response to the payment request message an authentication request message, where the authentication request message is received via the mobile phone; and sending an authentication token in response to the authentication request message. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24)
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Specification