Method and system for payment and/or issuance of credits via a mobile device
First Claim
1. A system for delivering credits having monetary value to a mobile device using a communications network, comprising:
- maintaining means for maintaining an account of available credit for a user of the mobile device, and for generating an authorization to issue credit upon request if there is available credit in the account associated with the mobile device equal to or greater than the requested credit;
delivery coordination means operatively coupled to said maintaining means for coordinating delivery of the credit; and
issuing means operatively coupled to said maintaining means and said delivery coordination means for receiving authorization to issue credit from said maintaining means, issuing credit and then notifying said delivery coordination means of the issuance of credit,said delivery coordination means being operatively arranged to notify the user of the mobile device via the communications network upon receiving notification of issuance of credit from said issuing means.
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0 Petitions
Accused Products
Abstract
System and method for delivering upon request credits having monetary value to a mobile device using a communications network. An account of available credit for the user of the mobile device is maintained and authorization to issue credit is generated when a request for credit for the mobile device is received and there is available credit in the account associated with the mobile device equal to or greater than the requested credit. Credit may be sponsored by one or more sponsors and issued to the user, upon authorization, to enable the user to use the mobile device to purchase items, e.g., at a point of sale terminal.
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Citations
52 Claims
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1. A system for delivering credits having monetary value to a mobile device using a communications network, comprising:
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maintaining means for maintaining an account of available credit for a user of the mobile device, and for generating an authorization to issue credit upon request if there is available credit in the account associated with the mobile device equal to or greater than the requested credit; delivery coordination means operatively coupled to said maintaining means for coordinating delivery of the credit; and issuing means operatively coupled to said maintaining means and said delivery coordination means for receiving authorization to issue credit from said maintaining means, issuing credit and then notifying said delivery coordination means of the issuance of credit, said delivery coordination means being operatively arranged to notify the user of the mobile device via the communications network upon receiving notification of issuance of credit from said issuing means. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A computer program resident on computer-readable media and arranged to deliver credits having monetary value to a mobile device using a communications network, the computer program being arranged to:
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maintain an account of available credit for a user of the mobile device; receive a request for authorization of credit; ascertain whether there is available credit in the account associated with the mobile device equal to or greater than the requested credit; generate an authorization to issue credit when there is available credit in the account; issue credit in response to the authorization; and notify the user of the mobile device via the communications network of the issuance of credit. - View Dependent Claims (20, 21, 22, 23, 24)
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25. A method for delivering credits having monetary value to a mobile device using a communications network, comprising:
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maintaining an account of available credit for a user of the mobile device; receiving a request for authorization of credit; ascertaining whether there is available credit in the account associated with the mobile device equal to or greater than the requested credit; generating an authorization to issue credit when there is available credit in the account; issuing credit in response to the authorization; and notifying the user of the mobile device via the communications network of the issuance of credit. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39)
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40. A system for conducting a mobile advertising campaign in which credits having monetary value are delivered to a mobile device using a communications network in exchange for exposure to at least one advertisement, comprising:
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maintaining means for maintaining an account of available credit for the user of the mobile device, and for generating an authorization to issue credit upon request if there is available credit in the account associated with the mobile device equal to or greater than the requested credit; enabling means for enabling at least one advertiser to provide advertisements and credit into the account in said maintaining means; delivery coordination means operatively coupled to said maintaining means for coordinating delivery of the credit sponsored by an advertiser and an advertisement to the mobile device; and issuing means operatively coupled to maintaining means and said delivery coordination means for receiving authorization to issue credit from said maintaining means, issuing credit and then notifying said delivery coordination means of the issuance of credit, said delivery coordination means being operatively arranged to notify the user of the mobile device via the communications network upon receiving notification of issuance of credit from said issuing means, the mobile device being operatively arranged to require exposure to the delivered advertisements in order to enable use of the credit. - View Dependent Claims (41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52)
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Specification