System And Method For Facilitating A Transaction Between An Enterprise And A Person Using A Mobile Device
First Claim
1. A system for conducting a transaction that is structured by a facilitator to be conducted between a merchant and a customer with a mobile device involving the interchange of a first set of information and a second set of information between the merchant and the customer comprising:
- (a) a computing system operated by the facilitator that is configured to assemble data to be presented to the mobile device of the customer;
(b) a network connection configured to transmit the data to be presented on the mobile device of the customer;
wherein the first set of information comprises information relating to the customer;
wherein the second set of information comprises information relating to an account used by the customer;
wherein the data is presented to the mobile device of the customer by a message.
3 Assignments
0 Petitions
Accused Products
Abstract
A system and method for a transaction between a person using a mobile device and an enterprise is disclosed. A computing system, application program interface, and data storage, and network connectivity is provided. Data files can be presented to the mobile device. A system and method for conducting a transaction structured between a merchant and a customer with a mobile device involving the interchange of information is also disclosed. Data is presented to the mobile device of the customer by a push notification, messaging, text messaging, SMS, multimedia messaging, MMS, internet communication, mobile web communication, mWeb, application program communication, mobile application program, mApp, electronic mail and/or e-mail. The transaction may comprise a session; session data is available for a specified use or time. Information may comprise personally-identifiable information (PH), private health-care information (PHI), private credit information (PCI) and/or enterprise secure data (ESD).
24 Citations
50 Claims
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1. A system for conducting a transaction that is structured by a facilitator to be conducted between a merchant and a customer with a mobile device involving the interchange of a first set of information and a second set of information between the merchant and the customer comprising:
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(a) a computing system operated by the facilitator that is configured to assemble data to be presented to the mobile device of the customer; (b) a network connection configured to transmit the data to be presented on the mobile device of the customer; wherein the first set of information comprises information relating to the customer; wherein the second set of information comprises information relating to an account used by the customer; wherein the data is presented to the mobile device of the customer by a message. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 25, 26)
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12. A method of conducting a transaction that is structured by a facilitator to be conducted between a merchant and a customer with a mobile device involving the interchange of a first set of information and a second set of information between the merchant and the customer comprising:
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(a) receiving a communication from the merchant to make a first communication to the customer; (b) processing the communication from the merchant on a computing system to identify at least one customer; (c) transmitting a communication to the mobile device of the customer relating to the first set of information; (d) receiving a response from the mobile device of the customer; (e) reviewing the response from the customer; (f) providing a communication to the mobile device of the customer to that is configured to obtain from the customer a second set of information and to transmit upon approval by the customer the second set of information to the merchant to initiate the completion of the transaction; (g) receiving a notification from the merchant relating to the status of the transaction; and (h) transmitting a notification of the status of the transaction to the customer. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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27. A system for conducting a transaction that is structured by a facilitator to be conducted between a merchant and a customer with a mobile device involving the interchange of at least a first set of data and a second set of data between the merchant and the customer comprising:
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a computing system operated by the facilitator that is configured to assemble data to be presented to the mobile device of the customer; a network connection configured to transmit data to be presented on the mobile device of the customer; wherein the first set of data comprises personal information relating to the customer; wherein the second set of data comprises other information relating to the transaction; wherein data is presented to the mobile device of the customer by a first type of communication; wherein data is transmitted from the mobile device of the customer by a second type of communication; wherein the first type of communication comprises at least one of (a) push communication;
(b) text message;
(c) SMS message;
(d) MMS message;
(e) electronic mail message;wherein the second type of communication comprises at least one of (a) communication initiated by an application program operating on the mobile device;
(b) text message;
(c) SMS message;
(d) MMS message;
(e) electronic mail message;
(f) communication of information submitted by a web page;
(g) communication of information submitted by a web page configured for a mobile device;
(h) communication of information submitted by transmission of a file;
(i) communication of information into a form presented on the mobile device. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35, 36)
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37. A system for configuring a transaction between a person using a mobile device and an enterprise that can involve a facilitator and a third party entity comprising:
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(a) a computing system operated by the facilitator; (b) at least one application program interface made available by the facilitator to the third party entity; (c) data storage associated with the computing system for at least temporarily storing data related to the transaction; (d) network connectivity from the computing system to the enterprise, to the third party entity and to the person using the mobile device; wherein the facilitator also provides data files that can be presented to the mobile device for facilitating the transaction; and wherein the facilitator provides information relating to the transaction to the enterprise after the transaction has been initiated. - View Dependent Claims (38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50)
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Specification