METHOD, DEVICE, SERVER, AND SYSTEM FOR MAKING PAYMENT WITH A MESSAGING APPLICATION ON A MOBILE DEVICE

• US 20140337207A1
• Filed: 04/28/2013
• Published: 11/13/2014
• Est. Priority Date: 04/28/2013
• Status: Abandoned Application

• Current Assignee: Tencent Technology Shenzhen Company Limited (Tencent Holdings Limited)
• Original Assignee: Tencent Technology Shenzhen Company Limited (Tencent Holdings Limited)
• Inventors: Zhang, Xiaolong, Liu, Peng, Ye, Wa, Chen, Ming, Jiang, Nan
• Application Number:
  US13/990,793
• Publication Number:
  US 20140337207A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/3267 In-app payments
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255

Abstract

A first aspect of the present disclosure provides a device, server and system for making a payment from a messaging application on a mobile device. A second aspect of the disclosure provides a method of associating a payer account number with a mobile device. Further provided herein is a method of performing a payment transaction from a messaging application on a mobile device, wherein the payment transaction is initiated by a message or a 2D image from an OpenID with the messaging application, a 2D image from a website, or a mobile application from the merchant.

Claims

1. A mobile payment transaction server that facilitates payment via a messaging application associated with a mobile device, the server comprising:

a transaction information module that retrieves and processes information associated with a payment transaction,

a transaction identity module that generates and manages a unique transaction identity associated with the payment transaction,

a messaging application module that communicates the information associated with the payment transaction and retrieves information associated with a payer account via a user interface of the messaging application, and

a payment processing module that processes the payment transaction using the unique transaction identity and the information associated with the payer account.

2. The server of claim 1, wherein the server is configured to communicate with the payer account.

3. The server of claim 1, wherein the server is configured to communicate with a payee account.

4. The server of claim 1, wherein the payer account is associated with a user of the messaging application.

5. The server of claim 3, wherein the payee account is associated with an OpenID of the messaging application.

6. The server of claim 1, wherein the messaging application comprises a microblogging application or an instant messaging application.

7. The server of claim 1, comprising an image encoding/decoding module that encodes/decodes an image comprising information associated with the payment transaction.

8. A mobile device that makes a payment transaction through a messaging application, the mobile device being associated with a payer account, the messaging application comprising a user interface that displays information associated with the payment transaction and a user interface that enables access to information associated with the payer account, the payment transaction being processed using the information associated with the payer account.

9. The mobile device of claim 8, wherein the mobile device is associated with a phone number and wherein the payer account is associated with the phone number of the mobile device.

10. The mobile device of claim 8, wherein the payer account is associated with a user of the messaging application.

11. The mobile device of claim 8, wherein the payer account is associated with a payment company.

12. The mobile device of claim 8, wherein a payee account is associated with an OpenID of the messaging application.

13. The mobile device of claim 8, wherein the messaging application comprises a microblogging application or an instant messaging application.

14. A system for making a payment transaction from a messaging application on a mobile device, the system comprising:

a transaction information module that receives and processes information associated with a payment transaction,

a transaction identity module that generates and manages a unique transaction identity associated with the payment transaction,

a messaging application module that communicates the information associated with the payment transaction and retrieves information associated with a payer account via a user interface of the messaging application,

a payment processing module that processes the payment transaction using the unique transaction identity and the information associated with the payer account, and

a mobile communications module that transmits data to and/or retrieves data from the mobile device.

15. The system of claim 14, wherein the mobile communications module and the mobile device communicate via a wireless network.

16. The system of claim 14, comprising a merchant communications module that transmits data to and/or retrieves data from a merchant server.

17. The system of claim 16, wherein the merchant server comprises product information associated with the payment transaction.

18. The system of claim 16, wherein the merchant communications module and the merchant server communicates via an internet connection.

19. A method of associating a payer account and a mobile device, the method comprising:

a server

sending a user interface for entering a payer account number to the mobile device to be displayed by a messaging application,

obtaining from the mobile device the payer account number,

sending a user interface to the mobile device for entering a phone number assigned to the mobile device to be displayed by the messaging application,

obtaining from the mobile device the phone number,

sending a user interface for entering a payment password to be displayed by the messaging application,

obtaining from the mobile device the payment password, and

associating the payer account number with the phone number.

20. The method of claim 19, comprising verifying the payer account number.

21. The method of claim 20, comprising verifying the phone number.

22. The method of claim 21, comprising sending an authorization text message to the phone number, and verifying the phone number by matching a text input from the mobile device with the authorization text message.

23. A method of performing a payment transaction from a messaging application on a mobile device, the method comprising:

a server

sending information associated with a product from a payee to the mobile device to be displayed by the messaging application, the payee having an account associated with the messaging application,

sending a user interface to the mobile device to be displayed by the messaging application, comprising an offer from the payee, information associated with a payer account associated with the mobile device, and an input field for entering a payment password, and

obtaining the entered payment password from the mobile device, completing the payment transaction on a server using the payer account when the payment password entered matches the payment password on record for the payer account associated to the mobile device,

wherein the offer comprises information associated with the payment transaction.

24. The method of claim 23, wherein the payee has an OpenID associated with the messaging application.

25. The method of claim 23, wherein the payer has an account associated with the messaging application.

26. The method of claim 23, wherein the messaging application comprises a microblogging application or an instant messaging application.

27. The method of claim 25, wherein the payer is associated with the payee in the messaging application.

28. The method of claim 25, wherein a message from the payee is sent to the payer in the messaging application after the completion of the payment transaction.

29. The method of claim 28, wherein the message comprises a ticket, a password, or a registration confirmation.

30. The method of claim 23, comprising sending information of the completed payment transaction to the mobile device to be displayed by the messaging application.

31. A method of performing a payment transaction from a messaging application on a mobile device, the method comprising:

a server

receiving from the mobile device a scanned 2D image from a payee, the payee having an account with the messaging application,

sending a user interface to the mobile device to be displayed by the messaging application, comprising an offer from the payee, information on a payer account associated with the mobile device, and an input field for entering a payment password, and

obtaining the entered payment password from the mobile device, completing the payment transaction on a server using the payer account when the payment password entered matches the payment password on record for the payer account associated to the mobile device,

wherein the offer comprises information associated with the payment transaction.

32. The method of claim 31, wherein the 2D image comprises an image on a poster, an advertisement, a website, or a mobile device.

33. The method of claim 31, wherein the payee has an OpenID associated with the messaging application.

34. The method of claim 31, comprising sending an invitation to the payer to be associated with the payee in the messaging application.

35. The method of claim 31, comprising sending information of the completed payment transaction to the mobile device to be displayed by the messaging application.

36. A method of performing a payment transaction from a messaging application on a mobile device, the method comprising:

a server

displaying a 2D image on a website, wherein the 2D image comprises information associated with the payment transaction,

receiving from the mobile device the scanned 2D image,

sending a user interface to the mobile device to be displayed by the messaging application, comprising an offer from a payee, information on a payer account associated with the mobile device, and an input field for entering a payment password, and

obtaining the entered payment password from the mobile device, completing the payment transaction on a server using the payer account when the payment password entered matches the payment password on record for the payer account associated to the mobile device,

wherein the offer comprises the information associated with the payment transaction.

37. The method of claim 36, wherein the website is hosted by a messaging application module of the server.

38. The method of claim 36, wherein the 2D image has an expiration time.

39. The method of claim 36, wherein the 2D image is inactivated after the server receives from the mobile device the scanned 2D image.

40. The method of claim 36, comprising sending information of the completed payment transaction to the mobile device to be displayed by the messaging application.

41. A method of performing a payment transaction from a messaging application on a mobile device, the method comprising:

a server

receiving information associated with the payment transaction from another application from a payee,

sending a user interface to the mobile device to be displayed by the messaging application, comprising an offer from the payee, information on a payer account associated with the mobile device, and an input field for entering a payment password, and

obtaining the entered payment password from the mobile device, completing the payment transaction on a server using the payer account if the payment password entered matches the payment password on record for the payer account associated to the mobile device,

wherein the offer comprises the information associated with the payment transaction.

42. The method of claim 41, comprising sending a user interface for returning to the application from the payee to the mobile device to be displayed by the messaging application.

43. The method of claim 41, comprising sending information of the completed payment transaction to the mobile device to be displayed by the messaging application.

44. A non-transitory computer-readable medium storing one or more programs, when executed by a processor, performing the steps of

sending a user interface for entering a payer account number to the mobile device to be displayed by a messaging application,

obtaining from the mobile device the payer account number,

sending a user interface to the mobile device for entering a phone number assigned to the mobile device to be displayed by the messaging application,

obtaining from the mobile device the phone number,

sending a user interface for entering a payment password to be displayed by the messaging application,

obtaining from the mobile device the payment password, and

associating the payer account number with the phone number.