Methods and systems for managing payment sources in a mobile environment
First Claim
1. A mobile phone for selecting a payment source for making a mobile financial payment via a wireless network, comprising:
- a mobile phone connected for wireless communications via a mobile communication service provider to a mobile financial transaction system (MFTS), the mobile phone including a display, user input means, a processor, and a memory; and
mobile phone software operative on the mobile phone processor comprising program code for carrying out the computer-implemented steps of;
wirelessly receiving summarized payment source information from a mobile financial transaction system (MFTS), the summarized payment source information based on payment source information received from a financial service provider with whom a user maintains a relationship;
displaying information corresponding to a payment to make;
displaying information corresponding to a plurality of accounts available to the user as a payment source for use in connection with making the payment, wherein the information corresponding to a plurality of accounts available to the user as a payment source includes a first screen that displays all of the accounts available for selection as a payment source, and a second screen corresponding to each of the accounts available for selection as a payment source that displays information related to the corresponding payment source;
receiving user selection of a payment source from the plurality of available accounts;
generating a mobile payment instruction comprising information corresponding to the payment and a selected payment source for making the payment; and
wirelessly communicating the mobile payment instruction to the MFTS,whereby in response to receipt of the mobile payment instruction, the MFTS effects the payment utilizing the selected payment source.
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0 Petitions
Accused Products
Abstract
Methods and systems for selecting a payment source for use in making a mobile financial payment utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for electronic communications with one or more financial service providers with which the user maintains one or more accounts, and also for wireless communications with mobile devices. The mobile device displays information corresponding to accounts available to the user as a payment source for use in connection with making a payment using the mobile device. The user selects a payment source for making a payment. The mobile device generates a mobile payment instruction comprising information corresponding to the payment and a selected payment source. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction that includes an amount, information corresponding to the identified payee, and information indicating the selected payment source. The MFTS payment instruction is communicated to the payment instruction recipient, which effects the payment utilizing the selected payment source.
479 Citations
25 Claims
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1. A mobile phone for selecting a payment source for making a mobile financial payment via a wireless network, comprising:
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a mobile phone connected for wireless communications via a mobile communication service provider to a mobile financial transaction system (MFTS), the mobile phone including a display, user input means, a processor, and a memory; and mobile phone software operative on the mobile phone processor comprising program code for carrying out the computer-implemented steps of; wirelessly receiving summarized payment source information from a mobile financial transaction system (MFTS), the summarized payment source information based on payment source information received from a financial service provider with whom a user maintains a relationship; displaying information corresponding to a payment to make; displaying information corresponding to a plurality of accounts available to the user as a payment source for use in connection with making the payment, wherein the information corresponding to a plurality of accounts available to the user as a payment source includes a first screen that displays all of the accounts available for selection as a payment source, and a second screen corresponding to each of the accounts available for selection as a payment source that displays information related to the corresponding payment source; receiving user selection of a payment source from the plurality of available accounts; generating a mobile payment instruction comprising information corresponding to the payment and a selected payment source for making the payment; and wirelessly communicating the mobile payment instruction to the MFTS, whereby in response to receipt of the mobile payment instruction, the MFTS effects the payment utilizing the selected payment source. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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Specification