Managing recurring payments from mobile terminals
First Claim
1. A method comprising performing following acts at a mediator server configured to manage transactions, which relate to one or more services provided by one or more service providers and are payable by one or more payment cards:
- receiving, from a payment processor computer, a token that identifies a specific one of the one or more service providers, wherein the token fails to globally identify the specific payment card but identifies the specific payment card within payment cards issued to a holder of the specific payment card;
receiving, from the specific service provider, a proposal for a service that incurs recurring payments payable by one or more payment cards;
sending a notification to a mobile terminal operated by the holder of the specific payment card, wherein the notification identifies the proposal for the service that incurs recurring payments, wherein the notification further identifies the specific payment card within payment cards issued to the holder of the specific payment card;
receiving, from the mobile terminal operated by the holder of the specific payment card, an acceptance notification indicating that the holder of the specific payment card has used the mobile terminal via a mobile network to authorize recurring payments to the specific service provider;
notifying the service provider and the payment processor computer of the acceptance notification;
wherein the mediator server uses a multi-dimensional data structure to manage service offerings from multiple service providers to each of one or more mobile terminals, and wherein the mediator server identifies the service offerings from multiple service providers by varying a reply address for sending the notification.
13 Assignments
0 Petitions
Accused Products
Abstract
Equipment and methods for facilitating service provisioning in a system that include a payment processor, a number of service providers and a mediator that mediates information exchange between the payment processor and service providers, and a mobile terminal operated by payment card holder. In some disclosed embodiments, service provisioning can be facilitated in cases where the payment processor must reside in a strictly regulated Payment Card Industry (PCI) compliant environment and the service providers operate servers that are not PCI-compliant.
72 Citations
10 Claims
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1. A method comprising performing following acts at a mediator server configured to manage transactions, which relate to one or more services provided by one or more service providers and are payable by one or more payment cards:
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receiving, from a payment processor computer, a token that identifies a specific one of the one or more service providers, wherein the token fails to globally identify the specific payment card but identifies the specific payment card within payment cards issued to a holder of the specific payment card; receiving, from the specific service provider, a proposal for a service that incurs recurring payments payable by one or more payment cards; sending a notification to a mobile terminal operated by the holder of the specific payment card, wherein the notification identifies the proposal for the service that incurs recurring payments, wherein the notification further identifies the specific payment card within payment cards issued to the holder of the specific payment card; receiving, from the mobile terminal operated by the holder of the specific payment card, an acceptance notification indicating that the holder of the specific payment card has used the mobile terminal via a mobile network to authorize recurring payments to the specific service provider; notifying the service provider and the payment processor computer of the acceptance notification; wherein the mediator server uses a multi-dimensional data structure to manage service offerings from multiple service providers to each of one or more mobile terminals, and wherein the mediator server identifies the service offerings from multiple service providers by varying a reply address for sending the notification. - View Dependent Claims (2, 3)
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4. A method comprising performing following acts at a mediator server configured to manage transactions, which relate to one or more services provided by one or more service providers and are payable by one or more payment cards:
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receiving, from a payment processor computer, a token that identifies a specific one of the one or more service providers, wherein the token fails to globally identify the specific payment card but identifies the specific payment card within payment cards issued to a holder of the specific payment card; receiving, from the specific service provider, a proposal for a service that incurs recurring payments payable by one or more payment cards; sending a notification to a mobile terminal operated by the holder of the specific payment card, wherein the notification identifies the proposal for the service that incurs recurring payments, wherein the notification further identifies the specific payment card within payment cards issued to the holder of the specific payment card; receiving, from the mobile terminal operated by the holder of the specific payment card, an acceptance notification indicating that the holder of the specific payment card has used the mobile terminal via a mobile network to authorize recurring payments to the specific service provider; notifying the service provider and the payment processor computer of the acceptance notification, wherein the mediator server uses a multi-dimensional data structure to manage multiple phases of at least one service offering from at least one service providers to at least one mobile terminals, and wherein the mediator server identifies the multiple phases by varying a reply address for sending the notification. - View Dependent Claims (5, 6)
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7. A mediator server configured to manage transactions, which relate to one or more services provided by one or more service providers and are payable by one or more payment cards, the mediator server comprising:
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means for receiving, from a payment processor computer, a token that identifies a specific one of the one or more service providers, wherein the token fails to globally identify the specific payment card but identifies the specific payment card within payment cards issued to a holder of the specific payment card; means for receiving, from the specific service provider, a proposal for a service that incurs recurring payments payable by one or more payment cards; means for sending a notification to a mobile terminal operated by the holder of the specific payment card, wherein the notification identifies the proposal for the service that incurs recurring payments, wherein the notification further identifies the specific payment card within payment cards issued to the holder of the specific payment card; means for receiving, from the mobile terminal operated by the holder of the specific payment card, an acceptance notification indicating that the holder of the specific payment card has used the mobile terminal via a mobile network to authorize recurring payments to the specific service provider; means for notifying the service provider and the payment processor computer of the acceptance notification, wherein the mediator server is configured to use a multi-dimensional data structure to manage service offerings from multiple service providers to each of one or more mobile terminals, and wherein the mediator server identifies the service offerings from multiple service providers by varying a reply address for sending the notification. - View Dependent Claims (8)
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9. A mediator server configured to manage transactions, which relate to one or more services provided by one or more service providers and are payable by one or more payment cards, the mediator server comprising:
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means for receiving, from a payment processor computer, a token that identifies a specific one of the one or more service providers, wherein the token fails to globally identify the specific payment card but identifies the specific payment card within payment cards issued to a holder of the specific payment card; means for receiving, from the specific service provider, a proposal for a service that incurs recurring payments payable by one or more payment cards; means for sending a notification to a mobile terminal operated by the holder of the specific payment card, wherein the notification identifies the proposal for the service that incurs recurring payments, wherein the notification further identifies the specific payment card within payment cards issued to the holder of the specific payment card; means for receiving, from the mobile terminal operated by the holder of the specific payment card, an acceptance notification indicating that the holder of the specific payment card has used the mobile terminal via a mobile network to authorize recurring payments to the specific service provider; means for notifying the service provider and the payment processor computer of the acceptance notification, wherein the mediator server is configured to use a multi-dimensional data structure to manage multiple phases of at least one service offering from at least one service providers to at least one mobile terminal, and wherein the mediator server identifies the multiple phases by varying a reply address for sending the notification. - View Dependent Claims (10)
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Specification