THIRD-PARTY PAYMENTS FOR ELECTRONIC COMMERCE

• US 20130060679A1
• Filed: 09/06/2011
• Published: 03/07/2013
• Est. Priority Date: 09/06/2011
• Status: Abandoned Application

• Current Assignee: Rawllin International Inc.
• Original Assignee: Rawllin International Inc.
• Inventors: Oskolkov, Ilya, Shishkov, Rodion
• Application Number:
  US13/225,890
• Publication Number:
  US 20130060679A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Providing for third-party payments for mobile electronic commerce is described herein. By way of example, an electronic transaction initiated at a first subscriber account can be funded at least in part from a second subscriber account. Particularly, the first subscriber account associated with a mobile terminal can select an item for purchase with a content browsing application on the first mobile terminal. A request for payment can be sent from the first mobile terminal to a second mobile terminal, associated with the second subscriber account. Funds transferred from the second mobile terminal to a banking account associated with the first mobile terminal can then be utilized to purchase the item and complete the electronic transaction. In an aspect, information pertaining to respective accounts can be masked from respective subscribers to provide financial privacy in conjunction with third party financing of electronic commerce.

Claims

1. A system that facilitates third party electronic payments in conjunction with a mobile communication network, comprising:

a communication interface configured to receive a funding request from a requesting subscriber profile, wherein the funding request includes information about a desired electronic transaction and a petition to a third party subscriber profile for funding associated with the electronic transaction;

a signaling component configured to notify the third party subscriber profile of the funding request; and

a transaction component configured at least to facilitate providing electronic funds to the requesting subscriber profile in response to the funding request.

2. The system of claim 1, further comprising a security component configured to mask account information related to the third party subscriber profile from the requesting subscriber profile or from a merchant account associated with the electronic transaction.

3. The system of claim 2, wherein the security component is further configured to allow provision of the account information to an entity sponsoring or managing a funding account that is linked to the third party subscriber profile and from which the electronic funds are withdrawn, in conjunction with masking the account information from the requesting subscriber profile or from the merchant account.

4. The system of claim 1, wherein the transaction component is further configured to facilitate selection, via the third party subscriber profile, of a funding account associated with the third party subscriber profile for providing the electronic funds.

5. The system of claim 4, wherein the one or more accounts associated with the third party subscriber profile comprises a checking account, a debit account, a credit account, a savings account, or an investment account, or a combination thereof.

6. The system of claim 4, wherein the transaction component is further configured to receive specification of an amount of funds input via the third party subscriber profile in response to the funding request, and account information for the selected funding account.

7. The system of claim 6, wherein the transaction component is further configured to communicate electronically with an entity sponsoring or managing the selected funding account and to acquire the amount of funds, a payment assurance thereof, or a denial of payment of the amount of funds.

8. The system of claim 7, wherein the transaction component is further configured to credit a financial account associated with the requesting subscriber profile in response to acquiring the amount of funds or payment assurance thereof.

9. The system of claim 8, wherein crediting the financial account is conducted electronically at least in part over the mobile communication network.

10. The system of claim 8, wherein crediting the financial account is conducted electronically at least in part via peer-to-peer communication between a wireless communication device associated with the requesting subscriber profile and a wireless communication device associated with the third part subscriber profile.

11. The system of claim 1, wherein notifying the third party subscriber profile of the funding request is conducted at least in part via peer-to-peer communication between a wireless communication device associated with the requesting subscriber profile and a wireless communication device associated with the third party subscriber profile.

12. The system of claim 1, wherein the transaction component is further configured to identify to the third party subscriber profile one or more recipient accounts associated with the requesting subscriber profile to which the electronic funds can be provided.

13. The system of claim 12, wherein the transaction component is further configured to enable selection of a target account of the one or more recipient accounts.

14. The system of claim 13, wherein the transaction component is further configured to restrict transfer of electronic funds to other than the target account for the funding request in response to the selection.

15. The system of claim 1, wherein the signaling component is further configured to receive a response from the third party subscriber profile acknowledging the funding request.

16. The system of claim 15, wherein the response includes accepting, rejecting or considering the funding request, and wherein the signal component is further configured to update the requesting subscriber profile with a status of the response.

17. The system of claim 16, wherein the signaling component is further configured to update a merchant account associated with the electronic transaction with the status.

18. The system of claim 1, further comprising a messaging component configured to receive a message from the requesting subscriber account at the third party subscriber account in conjunction with the notifying the third party subscriber account of the funding request.

19. The system of claim 18, wherein the message comprises a text message, a short message service (SMS) message, or a multimedia message service (MMS) message, or a combination thereof.

20. The system of claim 18, wherein content of the message comprises text content, audio content, voice content, or video content, or a combination thereof.

21. The system of claim 18, wherein the messaging component is further configured to exchange a set of messages pertaining to the funding request between the requesting subscriber profile and the third party subscriber profile.

22. The system of claim 21, wherein the messaging component is further configured to conduct the exchange of the set of messages via peer-to-peer communication or via the mobile communication network.

23. A method of electronic commerce in wireless networks, comprising:

selecting an item for an electronic purchase on a content browsing application of a mobile terminal;

sending a request to a second mobile terminal related to funding the electronic purchase; and

receiving a response from the second mobile terminal accepting, denying or considering the request, wherein the request includes information identifying a financial account associated with the mobile terminal that is configured for electronic commerce at least on the content browsing application.

24. The method of claim 23, further comprising receiving a notice of funding for the financial account at the mobile terminal in response to the request.

25. The method of claim 24, wherein a subscriber name or alias associated with the second mobile terminal is identified with the notice of the credit in lieu of account information from which the credit is drawn.

26. The method of claim 23, further comprising receiving, in response to the request, a notice of a credit to the financial account and an amount of the credit.

27. The method of claim 26, further comprising expending funds from the financial account equal to or less than the amount of the credit in conjunction with executing the electronic purchase.

28. The method of claim 26, further comprising preventing an expenditure from the financial account equal to or less than the amount of the credit for a purchase other than the electronic purchase.

29. The method of claim 23, wherein sending the request further comprises sending a text message, a voice message, a short message service message, a multimedia service message or an electronic mail message, or a combination thereof, from the mobile terminal to the second mobile terminal.

30. The method of claim 23, further comprising sending voice content, text content, audio content or video content, or a combination thereof, in conjunction with the request.

31. The method of claim 23, further comprising receiving voice content, text content, audio content or video content, or a combination thereof, in response to the request.

32. The method of claim 23, wherein sending the request or receiving the response at least in part involves a peer-to-peer communication with the second mobile terminal.

33. A processor and related memory that stores instructions configured to, when executed by the computer processor, facilitate third-party electronic commerce, the instructions comprising:

initiating an electronic transaction on a wireless device for an item provided by an electronic merchant entity;

requesting at least partial funding for the electronic transaction from a third party mobile subscriber account; and

receiving a credit from the third party mobile subscriber account at least in part at the wireless device in conjunction with funding the electronic transaction.

34. A system that facilitates third-party electronic commerce, comprising:

means for receiving a request for funds from a dependent subscriber account pertaining to an electronic purchase selected by the dependent subscriber account;

means for acquiring transaction details pertaining to the electronic purchase;

means for accepting or denying the request for funds; and

means for providing electronic monetary credit to a financial account associated with the dependent subscriber account, wherein the means for providing electronic monetary credit masks account information of a funding account from the dependent subscriber account or from a merchant entity associated with the electronic purchase.