METHOD AND/OR SYSTEM FOR EXTENDING PAYMENT SYSTEM ARCHITECTURES AND/OR LEGACY ORDER PROCESSING SYSTEMS TO MOBILE COMMERCE APPLICATIONS VIA TEXT MESSAGING

• US 20110099086A1
• Filed: 01/07/2011
• Published: 04/28/2011
• Est. Priority Date: 07/25/2005
• Status: Active Grant

• Current Assignee: CardinalCommerce Corporation (Visa, Inc.)
• Original Assignee: CardinalCommerce Corporation (Visa, Inc.)
• Inventors: Balasubramanian, Chandra, Sherwin, Francis
• Granted Patent: US 8,185,447 B2
• Time in Patent Office: Days
• US Class Current: 705/26.41
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 51/18 Commands or executable codes
• CPC Class Codes: H04L 51/58 Message adaptation for wireless communication

Abstract

A text message order processing system includes: means for receiving text messages from consumers purchasing products from one or more merchants, each of the text messages being addressed to an address selected by the consumer and including an identification of the product being purchased and an identification of a device from which the text message was sent; means for parsing each text messages to extract the identification of the product and the identification of the device from the text massage; means for selecting based upon each received text message a payment instrument to be used to pay for the purchase; means for establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered; means for generating for each received text message an order including the established payment information, delivery information and identification of the product being purchased; and, means for submitting the generated order to an order management system of the merchant.

Claims

1. A method of processing a text message comprising:

(a) receiving a first text message from a first party, said first text message including an identification of information being sought by the first party;

(b) generating a request for the identified information, said request being in a format other than a text message format;

(c) submitting the request to a server having access to the identified information;

(d) obtaining the identified information from the server, said obtained information being in a format other than a text message format;

(e) including the obtaining information in a second text message; and

,

(f) sending the second text message back to the first party.

2. The method of claim 1, wherein the text message is in short message service (SMS) format.

3. The method of claim 2, wherein the address to which the text message is addressed is an SMS shortcode.

4. A method of conducting a commercial transaction, said method comprising:

(a) receiving a text message from a first party making a purchase from a second party;

(b) identifying based upon the received text message a payment account of the first party to be used to pay for the purchase;

(c) sending a communication to a third party that maintains the payment account for the first party to determine if the payment account has sufficient funds available to make the purchase; and

,

(d) if sufficient funds are available;

(i) instructing the third party to reserve those funds;

(ii) generating an order for the purchase;

(iii) submitting the generated order to the second party;

(iv) assuming an obligation to pay for the order on behalf of the first party; and

,

(iv) seeking restitution for the obligation to pay for the order out of the reserved funds.

5. The method of claim 4, wherein the text message is in short message service (SMS) format.

6. The method of claim 5, wherein the address to which the text message is addressed is an SMS shortcode.