Electronic payment method for making payments using a mobile identifier

• US 8,249,982 B1
• Filed: 04/16/2012
• Issued: 08/21/2012
• Est. Priority Date: 08/10/1999
• Status: Expired due to Fees

• Current Assignee: GoFigure Payments, LLC
• Original Assignee: GoFigure Payments, LLC
• Inventors: Rolf, Devon A.
• Primary Examiner(s): Dixon, Thomas
• Assistant Examiner(s): Fields, Benjamin S
• Application Number:
  US13/447,662
• Time in Patent Office: 127 Days
• Field of Search: 705/38, 705/40
• US Class Current: 705/38
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

A method for providing an electronic payment system includes receiving, in conjunction with a purchase by a buyer using a personal computing device in the purchase of content, a mobile telephone number of the buyer. The electronic payment system transmits, to a mobile communications device of the buyer, information to which the buyer must respond to authorize the purchase. The electronic payment system causes, following receipt of a reply to the information sent to the buyer'"'"'s mobile communications device, a monetary amount corresponding to the price to be paid for the content to be charged to a mobile subscriber account corresponding to the mobile telephone number of the buyer. Methods further include processing a payment for a purchase at a POS terminal at a retail location based upon entry of the mobile telephone number of the buyer into the POS terminal.

Claims

1. A method comprising:

providing at least one electronic payment system that, with at least one electronic processor, enables—

storing in a memory information indicative of a plurality of payment accounts;

receiving, in conjunction with a purchase by a buyer using a personal computing device in the purchase from a first merchant of content displayed on a display of the personal computing device, a mobile telephone number that corresponds to the buyer, wherein the buyer is an accountholder associated with a payment account of said plurality of payment accounts;

receiving, in conjunction with said purchase by the buyer from the first merchant, information identifying a monetary amount corresponding to the price to be paid for the content being purchased by the buyer from the first merchant;

electronically transmitting, to a mobile communications device of the buyer, information to which the buyer must respond to authorize the purchase by the buyer from the first merchant, wherein the personal computing device is a first device and the mobile communications device is a second device, wherein said mobile communications device of the buyer is associated with said mobile telephone number corresponding to the buyer;

receiving, from the mobile communications device of the buyer, an electronic reply, to said information sent to the mobile communications device of the buyer, that indicates the buyer'"'"'s authorization of said purchase by the buyer from the first merchant;

causing, following receipt of said electronic reply to said information sent to the mobile communications device of the buyer, said monetary amount corresponding to the price to be paid for the content being purchased by the buyer from the first merchant to be charged to a mobile subscriber account, of the buyer, that corresponds with said mobile telephone number of the buyer and that enables a wireless communications service to be used with the mobile communications device of the buyer;

receiving, in conjunction with a purchase by the accountholder at a point of sale terminal located at a physical retail location of a second merchant, information for identifying said payment account of the accountholder based upon entry of a mobile telephone number corresponding to the accountholder into said point of sale terminal at a physical retail location of said second merchant;

receiving, in conjunction with said purchase by the accountholder from the second merchant, information identifying a monetary amount to be paid by the accountholder for the purchase by the accountholder from the second merchant;

using said information for identifying said payment account of the accountholder, received in conjunction with said purchase by the accountholder from the second merchant, to identify said payment account of the second accountholder;

using said payment account of the accountholder to process a payment from the accountholder to the second merchant for said purchase by the accountholder from said second merchant;

storing information indicative of said payment from the accountholder to the second merchant;

receiving, from the mobile communications device of the accountholder, information indicative of the current location of the mobile communications device of the accountholder;

transmitting, in response to receiving said information indicative of the location of the mobile communications device of the accountholder and to the mobile communications device of the accountholder, information corresponding to a third merchant having a physical retail location that corresponds to said current location of the mobile communications device;

receiving information indicative of a purchase by the accountholder from said third merchant, wherein said purchase by the accountholder from said third merchant is initiated by the accountholder using the mobile communications device of the accountholder and comprises a selection, by the accountholder using the mobile communications device, of said information corresponding to the third merchant that was transmitted to the mobile communications device;

transmitting to, and for display at, a point of sale terminal at the physical retail location of said third merchant information for identifying the accountholder by a human operator of the point of sale terminal of the third merchant; and

processing said purchase by the accountholder from said third merchant using said payment account corresponding to the accountholder.

2. The method as set forth in claim 1, wherein said providing at least one electronic payment system further comprises providing at least one electronic payment system that enables receiving a personal identification number (PIN) of the accountholder in conjunction with the purchase by the accountholder from the second merchant.

3. The method as set forth in claim 1, wherein said receiving, in conjunction with said purchase by the accountholder at said second merchant, information for identifying said payment account of the accountholder comprises receiving said mobile telephone number that corresponds to the accountholder.

4. The method as set forth in claim 1, wherein said transmitting information for identifying the accountholder by a human operator of the point of sale terminal of the third merchant comprises transmitting a photograph of the accountholder.

5. The method as set forth in claim 1, wherein said providing at least one electronic payment system further comprises providing at least one electronic payment system that enables storing information indicative of a payment account of the third merchant.

6. The method as set forth in claim 1, wherein the accountholder is a payor in a payment transaction with a payee, said method further comprising providing at least one electronic payment system that enables—

storing, in said electronic payment system, information indicative of a payment account of the payee;

receiving, from a mobile communications device of a payor, information indicative of a telephone number of the payee to be paid by the payor in a payment transaction, wherein said payor is an accountholder corresponding to one of said payment accounts;

using said telephone number of the payee to identify the payee;

using said telephone number of said payee to initiate an electronic communication with an electronic device associated with said payee, wherein said method does not require a communications link to be established directly between the mobile communications device of the payor and the electronic device of the payee in order to complete said payment from the payor to the payee;

using said payment account corresponding to the payor to process said payment from the payor to the payee;

using said payment account of the payee to process said payment from the payor to the payee;

storing information indicative of said payment from the payor to the payee; and

electronically transmitting, to said payee, information indicative of said payment from the payor to the payee, wherein said enabling receipt of said information indicative of a telephone number of the payee comprises enabling receipt of said information indicative of a telephone number of the payee via a first communications link and wherein the electronic communication with an electronic device associated with said payee comprises a second communications link, and wherein said first communications link and said second communications link are not simultaneous.

7. The method as set forth in claim 1, wherein said providing at least one electronic payment system comprises providing at least one electronic payment system that further enables accounting in a payment account of an accountholder, for which information is stored in said memory, for purchases made with an account that is provided by a financial institution and that further enables electronically communicating, in conjunction with a purchase by the accountholder using the account provided by the financial institution, with the financial institution that provides the account of the purchaser.

8. The method as set forth in claim 1, wherein said providing at least one electronic payment system further comprises providing at least one electronic payment system that enables said payment account to be selected by the user, using the mobile communications device, from a plurality of payment options that the user has associated with the mobile communications device.

9. The method as set forth in claim 1, wherein said method further comprises employing a non-transitory computer-readable storage medium with an executable program stored thereon, wherein the program instructs an electronic processor to perform at least one of the steps of said method set forth in claim 1.

11. The method as set forth in claim 1, said method further comprising providing said point of sale terminal to the second merchant, wherein said point of sale terminal of said second merchant comprises an antenna for wireless communication, a transmitter for wireless communication, and a receiver for wireless communication.

12. The method as set forth in claim 11, wherein said providing a point of sale terminal to the second merchant further comprises providing a point of sale terminal having a DTMF encoder.

10. A non-transitory computer-readable storage medium with an executable program stored thereon for making an electronic payment using an identifier, wherein the program instructs a processor to perform the steps of:

storing in a memory information indicative of a plurality of payment accounts, wherein each said payment account corresponds to an accountholder and enables a service to be used with a mobile communications device corresponding to the accountholder;

receiving, in conjunction with a purchase by an accountholder using a personal computing device in the purchase from a first merchant of content displayed on a display of the personal computing device, an identifier that corresponds to the accountholder and that enables an electronic communication to be initiated with the accountholder;

receiving, in conjunction with said purchase by the accountholder from the first merchant, information identifying a monetary amount corresponding to the price to be paid for the content being purchased by the accountholder from the first merchant;

electronically transmitting, to the mobile communications device of the accountholder, information to which the accountholder must respond to authorize the purchase by the accountholder from the first merchant, wherein the personal computing device is a first device and the mobile communications device is a second device;

receiving, from the mobile communications device of the accountholder, an electronic reply, to said information sent to the mobile communications device of the accountholder, that indicates the accountholder'"'"'s authorization of said purchase by the accountholder from the first merchant, wherein said receiving said electronic reply comprises receiving a password of the accountholder that is entered by the accountholder into said mobile communications device of the accountholder; and

using, following receipt of said electronic reply to said information sent to the mobile communications device of the accountholder, said payment account of the accountholder to process said purchase by the accountholder from the first merchant;

receiving, in conjunction with a purchase by the accountholder at a point of sale terminal located at a physical retail location of a second merchant, information for identifying said payment account of the accountholder based upon entry of a mobile telephone number corresponding to the accountholder into said point of sale terminal at a physical retail location of said second merchant;

receiving, in conjunction with said purchase by the accountholder from the second merchant, information identifying a monetary amount to be paid by the accountholder for the purchase by the accountholder from the second merchant;

using said information for identifying said payment account of the accountholder, received in conjunction with said purchase by the accountholder from the second merchant, to identify said payment account of the second accountholder;

using said payment account of the accountholder to process a payment from the accountholder to the second merchant for said purchase by the accountholder from said second merchant;

storing information indicative of said payment from the accountholder to the second merchant;

receiving, from the mobile communications device of the accountholder, information indicative of the current location of the mobile communications device of the accountholder;

transmitting, in response to receiving said information indicative of the location of the mobile communications device of the accountholder and to the mobile communications device of the accountholder, information corresponding to a third merchant having a physical retail location that corresponds to said current location of the mobile communications device;

receiving information indicative of a purchase by the accountholder from said third merchant, wherein said purchase by the accountholder from said third merchant is initiated by the accountholder using the mobile communications device of the accountholder and comprises a selection, by the accountholder using the mobile communications device, of said information corresponding to the third merchant that was transmitted to the mobile communications device;

transmitting to, and for display at, a point of sale terminal at the physical retail location of said third merchant information for identifying the accountholder by a human operator of the point of sale terminal of the third merchant; and

processing said purchase by the accountholder from said third merchant using said payment account corresponding to the accountholder.