Mobile payment system and method using alias
First Claim
Patent Images
1. A method for conducting a transaction comprising:
- receiving a payment request message, at a server computer, from a mobile phone operated by a payer, wherein the payment request message includes a request to pay a payee a predetermined amount of money, and wherein the payment request message comprises a combination of a personal alias associated with the payee, a payment card alias, and a transaction amount, and wherein the personal alias allows the personal information of the payee to remain confidential;
analyzing the payment request message, using the server computer, to determine if the payer is authorized to pay the payee; and
sending a payment notification message, using the server computer, to the payee indicating that a payment from the payer to the payee has been made.
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Accused Products
Abstract
Methods and systems are disclosed for allowing financial transactions to be conducted using mobile phones. A payer initiates a transaction by sending a payment request message from a mobile phone which specifies the payee and amount to be paid. Payees are identified by unique aliases, which are maintained in a database. Methods for assembling the enrollment and alias database are included.
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Citations
30 Claims
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1. A method for conducting a transaction comprising:
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receiving a payment request message, at a server computer, from a mobile phone operated by a payer, wherein the payment request message includes a request to pay a payee a predetermined amount of money, and wherein the payment request message comprises a combination of a personal alias associated with the payee, a payment card alias, and a transaction amount, and wherein the personal alias allows the personal information of the payee to remain confidential; analyzing the payment request message, using the server computer, to determine if the payer is authorized to pay the payee; and sending a payment notification message, using the server computer, to the payee indicating that a payment from the payer to the payee has been made. - View Dependent Claims (2, 23, 27)
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3. A computer readable medium comprising code for:
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receiving a payment request message from a mobile phone operated by a payer, wherein the payment request message includes a request to pay a payee a predetermined amount of money, and wherein the payment request message comprises a combination of a personal alias associated with the payee, a payment card alias, and a transaction amount, and wherein the personal alias allows the personal information of the payee to remain confidential; analyzing the payment request message to determine if the payer is authorized to pay the payee; and sending a payment notification message to the payee indicating that a payment from the payer to the payee has been made.
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4. A server computer comprising a computer readable medium comprising:
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code for receiving a payment request message from a mobile phone operated by a payer, wherein the payment request message includes a request to pay a payee a predetermined amount of money, and wherein the payment request message comprises a combination of a personal alias associated with the payee, a payment card alias, and a transaction amount, and wherein the personal alias allows the personal information of the payee to remain confidential; code for analyzing the payment request message to determine if the payer is authorized to pay the payee; and code for sending a payment notification message to the payee indicating that a payment from the payer to the payee has been made.
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5. A system comprising:
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a server computer comprising a computer readable medium comprising;
code for receiving a payment request message from a mobile phone operated by a payer, wherein the payment request message includes a request to pay a payee a predetermined amount of money, and wherein the payment request message comprises a combination of a personal alias associated with the payee, a payment card alias, and a transaction amount, and wherein the personal alias allows the personal information of the payee to remain confidential;
code for analyzing the payment request message to determine if the payer is authorized to pay the payee; and
code for sending a payment notification message to the payee indicating that a payment from the payer to the payee has been made; anda mobile phone.
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6. A method for conducting a transaction comprising:
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receiving a payment request message, at a server computer, from a payer, the payment request message comprising a combination of an amount of money to be paid to a payee, an alias associated with the payee, and a payment card alias, and wherein the alias associated with the payee allows the personal information of the payee to remain confidential, where the payment request message is sent by the payer via a mobile phone operated by the payer; sending an authentication request message, using the server computer, to the mobile phone in response to the payment request message, where the authentication request message is sent to the mobile phone; receiving an authentication token, at the server computer, from the payer in response to sending the authentication request message, where the authentication token is sent by the payer using the mobile phone; verifying that the authentication token is associated with the payer, using the server computer; and if the authentication token is verified as being associated with the payer, then initiating a payment, using the server computer, for the amount of money to the payee using the alias. - View Dependent Claims (7, 8, 9, 10, 11, 12, 24, 28)
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13. A method for registering an alias comprising:
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receiving a registration request, at a server computer, from a payee to create an alias uniquely associated with that payee, where the request specifies the alias requested, and wherein the payee operates a mobile phone and can receive or make payments using the alias and mobile phone, and wherein the alias allows the personal information of the payee to remain confidential; comparing the alias, using the server computer, with other previously registered aliases associated with other payees; and if the requested alias has not already been associated with another payee, registering the alias with the payee, using the server computer,.
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14. A server computer comprising a computer readable medium comprising:
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code for receiving a registration request from a payee to create an alias uniquely associated with that payee, where the request specifies the alias requested, and wherein the payee operates a mobile phone and can receive or make payments using the alias and mobile phone and wherein the alias allows the personal information of the payee to remain confidential; code for comparing the alias with other previously registered aliases associated with other payees; and code for if the requested alias has not already been associated with another payee, registering the alias with the payee.
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15. A method for conducting a transaction comprising:
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sending a payment request message using a mobile phone to a payment processing network, where the payment request message comprises a combination of a payment card alias, an amount of money to be paid and an alias, where the alias is associated with a payee, and wherein the alias associated with the payee allows the personal information of the payee to remain confidential; receiving in response to the payment request message an authentication request message, where the authentication request message is received via the mobile phone; and sending an authentication token in response to the authentication request message, using the mobile phone. - View Dependent Claims (16, 17, 18, 19, 20, 25, 29)
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21. A computer readable medium comprising code for:
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sending a payment request message using a mobile phone to a payment processing network, where the payment request message comprises a combination of a payment card alias, an amount of money to be paid and an alias, where the alias is associated with a payee, and wherein the alias associated with the payee allows the personal information of the payee to remain confidential; receiving in response to the payment request message an authentication request message, where the authentication request message is received via the mobile phone; and sending an authentication token in response to the authentication request message.
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22. A phone comprising a computer readable medium comprising:
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sending a payment request message using a mobile phone to a payment processing network, where the payment request message comprises a combination of a payment card alias, an amount of money to be paid and an alias, where the alias is associated with a payee, and wherein the alias associated with the payee allows the personal information of the payee to remain confidential; receiving in response to the payment request message an authentication request message, where the authentication request message is received via the mobile phone; and sending an authentication token in response to the authentication request message. - View Dependent Claims (26, 30)
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Specification