PAYMENT TRANSACTIONS ON MOBILE DEVICE USING MOBILE CARRIER
First Claim
1. A system comprising:
- a memory storing user account information, wherein the information comprises a mobile phone number for a user account; and
one or more processors forreceiving a payment request from a merchant application on a user mobile device, wherein the payment request comprises a phone number for the user mobile device and a payment amount;
verifying the phone number with a user account;
transmitting the payment request to a mobile operator providing wireless communication services for the user mobile device;
receiving an approval or decline notification from the mobile operator; and
transmitting a notification to the user mobile device.
2 Assignments
0 Petitions
Accused Products
Abstract
A user makes a purchase request through a merchant app on a mobile device, such as by selecting an item for purchase. A mobile SDK of a payment provider is installed in the merchant app. The payment request includes the phone number for the mobile device. The payment provider verifies the phone number of the user and requests approval of the payment from a mobile operator providing wireless communication services on the mobile device. If the request is approved, the payment is charged to the user mobile operator account. The user simply taps a button to select an item to purchase and selects another button to confirm the purchase. Once processing is done, the user is notified on the mobile device of a successful payment.
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Citations
24 Claims
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1. A system comprising:
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a memory storing user account information, wherein the information comprises a mobile phone number for a user account; and one or more processors for receiving a payment request from a merchant application on a user mobile device, wherein the payment request comprises a phone number for the user mobile device and a payment amount; verifying the phone number with a user account; transmitting the payment request to a mobile operator providing wireless communication services for the user mobile device; receiving an approval or decline notification from the mobile operator; and transmitting a notification to the user mobile device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform a method comprising:
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receiving a payment request from a merchant application on a user mobile device, wherein the payment request comprises a phone number for the user mobile device and a payment amount; verifying the phone number with a user account; transmitting the payment request to a mobile operator providing wireless communication services for the user mobile device; receiving an approval or decline notification from the mobile operator; and transmitting a notification to the user mobile device. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A method comprising:
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receiving, electronically by a processor of a payment provider, a payment request from a merchant application on a user mobile device, wherein the payment request comprises a phone number for the user mobile device and a payment amount; verifying, electronically, the phone number with a user account; transmitting, electronically, the payment request to a mobile operator providing wireless communication services for the user mobile device; receiving, electronically, an approval or decline notification from the mobile operator; and transmitting an electronic notification to the user mobile device. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24)
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Specification