Methods and systems for distribution of a mobile wallet for a mobile device
First Claim
1. A method for distributing a mobile device application for use in making and receiving payments using a mobile device connected for communications with a wireless network, comprising the steps of:
- providing a downloadable mobile device application operative, when installed on a compatible mobile device, for communicating with a mobile financial transaction system (MFTS) that facilitates the making and receiving of payments via wireless mobile devices;
providing a download system for storing the downloadable mobile device application and downloading the mobile device application to mobile devices according to download procedures appropriate for a particular type of mobile device;
communicating a message to a mobile device user including information about a payment made to the mobile device user from a payer and information regarding the downloadable mobile device application; and
in response to action by mobile device user to download and install the mobile device application on the user'"'"'s mobile device and provide enrollment information, permitting interaction between the MFTS and the mobile device user to provide the payment to the mobile device user as user/payee.
4 Assignments
0 Petitions
Accused Products
Abstract
Methods and systems for distributing a mobile device application for use in making and receiving payments utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A downloadable mobile device application, when installed on a compatible mobile device, is operative for communicating with a mobile financial transaction system (MFTS) that facilitates the making and receiving of payments via wireless mobile devices. The downloadable mobile device application is provided via a download system that downloads the application to mobile devices according to download procedures appropriate for a particular type of mobile device. When a payment is made to a payee having a mobile device, system communicates a message to the payee'"'"'s mobile device that informs that a payment has been made and instructs the payee about the downloadable mobile device application. If the mobile device user/payee downloads and installs the mobile device application on his or her mobile device and provides enrollment information, interaction between the MFTS and the mobile device user/payee is permitted, and payment is provided to the mobile device user as user/payee.
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Citations
174 Claims
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1. A method for distributing a mobile device application for use in making and receiving payments using a mobile device connected for communications with a wireless network, comprising the steps of:
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providing a downloadable mobile device application operative, when installed on a compatible mobile device, for communicating with a mobile financial transaction system (MFTS) that facilitates the making and receiving of payments via wireless mobile devices; providing a download system for storing the downloadable mobile device application and downloading the mobile device application to mobile devices according to download procedures appropriate for a particular type of mobile device; communicating a message to a mobile device user including information about a payment made to the mobile device user from a payer and information regarding the downloadable mobile device application; and in response to action by mobile device user to download and install the mobile device application on the user'"'"'s mobile device and provide enrollment information, permitting interaction between the MFTS and the mobile device user to provide the payment to the mobile device user as user/payee. - 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, 26, 27, 28, 29, 30, 31)
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32. A system for distributing a mobile device application for use in making and receiving payments using a mobile device connected for communications with a wireless network, comprising:
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a mobile financial transaction system (MFTS) that facilitates the making and receiving of payments via wireless mobile devices, the MFTS operative for communicating a message to a mobile device user including information about a payment made to the mobile device user from a payer and information regarding a downloadable mobile device application; a server for providing user downloading of a downloadable mobile device application operative, when installed on a compatible mobile device, for communicating with the MFTS in connection with payments; and the MFTS, in response to action by mobile device user to download and install the mobile device application on the user'"'"'s mobile device and provide enrollment information, permitting interaction between the MFTS and the mobile device user to provide the payment to the mobile device user as user/payee. - View Dependent Claims (33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62)
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63. A method for providing a payment to a user of a mobile device connected for communications with a wireless network, comprising the steps of:
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providing a mobile financial transaction system (MFTS) coupled for wireless communications with a mobile device of a user/payee using a mobile communication service provider (MCSP), the MFTS coupled for electronic communication with a payment instruction recipient for effecting the payment, the MFTS including a mobile financial transaction system (MFTS) database for storing user information, payment to make information, and payment source information; providing a download system for storing a downloadable mobile device application operative, when installed on a compatible mobile device, for communicating with the MFTS; receiving payment to make information at the MFTS from a payer corresponding to a payment to be made to the user/payee; generating a payment received message at the MFTS containing information corresponding to the payment to be made to the user/payee; wirelessly communicating the payment received message from the MFTS to the user/payee'"'"'s mobile device, the payment received message including information regarding the downloadable mobile device application; in response to action by the user/payee to download and install the mobile device application on the user/payee'"'"'s mobile device and provide enrollment information, wirelessly communicating a second payment received message from the MFTS to the user/payee'"'"'s mobile device, the second payment received message comprising information about the payment and information about a payment method for receiving the payment; at the user/payee'"'"'s mobile device, receiving user input relating to a payment method for receiving the payment; at the user/payee'"'"'s mobile device in response to the user input, generating a payment instruction comprising information corresponding to the payment method; wirelessly communicating the payment instruction from the user/payee'"'"'s mobile device to the MFTS; at the MFTS, generating a MFTS payment instruction to a payment instruction recipient, the MFTS payment instruction including at least an amount and identifying information corresponding to the user/payee; communicating the MFTS payment instruction from the MFTS to the payment instruction recipient; and at the payment instruction recipient, in response to receipt of the MFTS payment instruction, making a payment to the user/payee in accordance with the payment method. - View Dependent Claims (64, 65, 66, 67, 68, 69, 70, 71, 72, 73, 74, 75, 76, 77, 78, 79, 80, 81, 82, 83, 84, 85, 86, 87, 88, 89, 90)
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91. A system for providing a payment to a user/payee of a mobile device connected for communications with a wireless network, comprising:
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a user/payee mobile device capable of wireless communications with a mobile financial transaction system (MFTS); a mobile financial transaction system (MFTS) computer system coupled for wireless communications with a mobile device of a user/payee using a mobile communication service provider (MCSP), the MFTS coupled for electronic communication with a payment instruction recipient to for effecting the payment, the MFTS including a mobile financial transaction system (MFTS) database for storing user information, payment to make information, and payment source information; a download system for storing a downloadable mobile device application operative, when installed on a compatible mobile device, for communicating with the MFTS; and MFTS software operative on the MFTS computer system comprising program code for carrying out the computer-implemented steps of; receiving payment to make information from a payer corresponding to a payment to be made to the user/payee; generating a payment received message at the MFTS containing information corresponding to the payment to be made to the user/payee; wirelessly communicating the payment received message from the MFTS to the user/payee'"'"'s mobile device, the payment received message including information regarding the downloadable mobile device application; in response to action by the user/payee to download and install the mobile device application on the user/payee'"'"'s mobile device and provide enrollment information, wirelessly communicating a second payment received message from the MFTS to the user/payee'"'"'s mobile device, the second payment received message comprising information about the payment and information about a payment method for receiving the payment; receiving a mobile payment instruction from the user/payee'"'"'s mobile device comprising information corresponding to the payment method; generating a MFTS payment instruction to a payment instruction recipient, the MFTS payment instruction including at least an amount and identifying information corresponding to the user/payee; communicating the MFTS payment instruction from the MFTS to the payment instruction recipient; and at the payment instruction recipient, in response to receipt of the MFTS payment instruction, making a payment to the user/payee in accordance with the payment method. - View Dependent Claims (92, 93, 94, 95, 96, 97, 98, 99, 100, 101, 102, 103, 104, 105, 106, 107, 108, 109, 110, 111, 112, 113, 114, 115, 116, 117, 118)
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119. A method for distributing a mobile device application for use in making and receiving payments using a mobile device connected for communications with a wireless network, comprising the steps of:
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receiving a message on a mobile device including information about a payment made to the mobile device user from a payer and information regarding a downloadable mobile device application, the downloadable mobile device application operative, when installed on a compatible mobile device, for communicating with a mobile financial transaction system (MFTS) that facilitates the making and receiving of payments via wireless mobile devices; subsequent to action by the mobile device user to download and install the mobile device application on the user'"'"'s mobile device and provide enrollment information, communicating with the MFTS to receive the payment by the mobile device user as user/payee; receiving a payment received message from the MFTS at the user/payee'"'"'s mobile device, the payment received message containing information corresponding to the payment to be made to the user/payee; displaying information corresponding to the payment received message at the user/payee'"'"'s mobile device, the displayed information including information regarding the downloadable mobile device application; subsequent to download and installation of the mobile device application on the user/payee'"'"'s mobile device and provide enrollment information, receiving a second payment received message from the MFTS at the user/payee'"'"'s mobile device; displaying information corresponding to the second payment received message at the user/payee'"'"'s mobile device, the displayed information comprising information about the payment and information about a payment method for receiving the payment; receiving user input relating to a payment method for receiving the payment; generating a mobile payment instruction comprising information corresponding to the payment method; and wirelessly communicating the mobile payment instruction from the user/payee'"'"'s mobile device to the MFTS, whereby, the MFTS is operative, in response to receipt of the MFTS payment instruction, provides a payment instruction to a payment instruction recipient that effects the payment to the user/payee in accordance with the payment method. - View Dependent Claims (120, 121, 122, 123, 124, 125, 126, 127, 128, 129, 130, 131, 132, 133, 134, 135, 136, 137, 138, 139, 140, 141, 142, 143, 144, 145, 146)
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147. A mobile device for use in connection with receiving a payment from a payer via a mobile financial transaction system (MFTS), the mobile device coupled for wireless communications with a wireless network, comprising:
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a mobile device connected for wireless communications via a mobile communication service provider to a mobile financial transaction system (MFTS), the mobile device including a display, user input means, a processor, and a memory; the mobile device capable of receiving a message including information about a payment made to the mobile device user from a payer and information regarding a downloadable mobile device application; a downloaded mobile device application operative for communicating with a mobile financial transaction system (MFTS) that facilitates the making and receiving of payments via wireless mobile devices; and the mobile device application, subsequent to action by the mobile device user to download and install the mobile device application on the user'"'"'s mobile device and provide enrollment information, communicating with the MFTS to receive the payment by the mobile device user as user/payee, wherein the mobile device is further operative for; receiving a payment received message from the MFTS at the user/payee'"'"'s mobile device, the payment received message containing information corresponding to the payment to be made to the user/payee; displaying information corresponding to the payment received message at the user/payee'"'"'s mobile device, the displayed information including information regarding the downloadable mobile device application; subsequent to download and installation of the mobile device application on the user/payee'"'"'s mobile device and provide enrollment information, receiving a second payment received message from the MFTS at the user/payee'"'"'s mobile device; displaying information corresponding to the second payment received message at the user/payee'"'"'s mobile device, the displayed information comprising information about the payment and information about a payment method for receiving the payment; receiving user input relating to a payment method for receiving the payment; generating a mobile payment instruction comprising information corresponding to the payment method; and wirelessly communicating the mobile payment instruction from the user/payee'"'"'s mobile device to the MFTS, whereby, the MFTS is operative, in response to receipt of the MFTS payment instruction, provides a payment instruction to a payment instruction recipient that effects the payment to the user/payee in accordance with the payment method. - View Dependent Claims (148, 149, 150, 151, 152, 153, 154, 155, 156, 157, 158, 159, 160, 161, 162, 163, 164, 165, 166, 167, 168, 169, 170, 171, 172, 173, 174)
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Specification