Effecting an electronic payment
First Claim
Patent Images
1. A computer-implemented method, comprising:
- receiving, in a purchase server, a payment instruction from a web server of a vendor, wherein the web server offers a product to a customer via transmitting transaction details of a transaction to a web browser of the customer and receiving order details of an order from the web browser of the customer to initiate the payment instruction for a payment to be made by the customer to the vendor, wherein the order details include a payment amount and identify a mobile phone of the customer;
communicating, by the purchase server via text message through a carrier server of a mobile phone of the customer at the phone number, to confirm the payment requested by the payment instruction;
receiving, at the purchase server, a confirmation from the mobile phone of the customer in response to the communication;
determining, by the purchase server, based on the payment amount requested by the payment instruction, a plurality of premium rate message codes corresponding to a plurality of premium text messages for transmission to a recipient, wherein each respective premium rate message code of the plurality of premium rate message codes is predefined by the carrier server of the mobile phone to charge a predetermined amount, the premium rate message codes including at least first and second premium rate message codes each for different predetermined amount, wherein the payment amount is divided by the purchaser server such that, in combination, the predetermined amounts of at least the first and second premium rate message codes add up to the payment amount; and
transmitting, from the purchase server through the carrier server of the mobile phone, the plurality of premium text messages to the mobile phone of the customer at the mobile phone number in response to the confirmation from the mobile phone, wherein the customer is to be charged on an account of the mobile phone held by the carrier server according to the predetermined amounts, including the first and second different amounts matching respectively the first and the second of the premium rate message codes, of the plurality of premium rate message codes of the plurality of premium text messages for a total of the payment amount.
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Abstract
Effecting an electronic payment from customers to vendors over the Internet is disclosed. A vendor offers a product to potential customer over the Internet. A customer browsers the Internet and the customer has a mobile cellular phone configured to receive premium rate mobile terminating text messages. Transaction details are transmitted from the vendor to the browsing customer. Order details are then transmitted from the browsing customer to the vendor that require a payment to be made by the customer. In order to effect payment, a plurality of premium rate text messages are transmitted to the mobile cellular phone.
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Citations
24 Claims
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1. A computer-implemented method, comprising:
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receiving, in a purchase server, a payment instruction from a web server of a vendor, wherein the web server offers a product to a customer via transmitting transaction details of a transaction to a web browser of the customer and receiving order details of an order from the web browser of the customer to initiate the payment instruction for a payment to be made by the customer to the vendor, wherein the order details include a payment amount and identify a mobile phone of the customer; communicating, by the purchase server via text message through a carrier server of a mobile phone of the customer at the phone number, to confirm the payment requested by the payment instruction; receiving, at the purchase server, a confirmation from the mobile phone of the customer in response to the communication; determining, by the purchase server, based on the payment amount requested by the payment instruction, a plurality of premium rate message codes corresponding to a plurality of premium text messages for transmission to a recipient, wherein each respective premium rate message code of the plurality of premium rate message codes is predefined by the carrier server of the mobile phone to charge a predetermined amount, the premium rate message codes including at least first and second premium rate message codes each for different predetermined amount, wherein the payment amount is divided by the purchaser server such that, in combination, the predetermined amounts of at least the first and second premium rate message codes add up to the payment amount; and transmitting, from the purchase server through the carrier server of the mobile phone, the plurality of premium text messages to the mobile phone of the customer at the mobile phone number in response to the confirmation from the mobile phone, wherein the customer is to be charged on an account of the mobile phone held by the carrier server according to the predetermined amounts, including the first and second different amounts matching respectively the first and the second of the premium rate message codes, of the plurality of premium rate message codes of the plurality of premium text messages for a total of the payment amount. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 21, 22, 23, 24)
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19. A system, comprising:
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a first interface to a cellular telephone network; a second interface to an internet; and a purchase server coupled to the first interface and the second interface to; receive a payment instruction from a web server of a vendor, wherein the web server offers a product to a customer via transmitting transaction details of a transaction to a web browser of the customer and receiving order details of an order from the web browser of the customer to initiate the payment instruction for a payment to be made by the customer to the vendor, wherein the order details include a payment amount and identify a mobile phone of the customer; communicate, via text message through a carrier server with the mobile phone of the customer at the phone number to confirm the payment requested by the payment instruction; determine a confirmation from the mobile phone of the customer in response to the communication; determine, based on the payment amount requested by the payment instruction, a plurality of premium rate message codes corresponding to a plurality of premium text messages for transmission to a recipient, wherein each respective premium rate message code of the plurality of premium rate message codes is predefined by the carrier server of the mobile phone to charge a predetermined amount, the premium rate message codes including at least first and second premium rate message codes each for different predetermined amount, wherein the payment amount is divided by the purchaser server such that, in combination, the predetermined amounts of at least the first and second premium rate message codes add up to the payment amount; and transmit through the carrier server of the mobile phone the plurality of premium text messages to the mobile phone of the customer at the phone number in response to the confirmation from the mobile phone, wherein the customer is to be charged on an account of the mobile phone held by the carrier server according to the predetermined amounts, including the first and second different amounts matching respectively the first and the second of the premium rate message codes, of the plurality of premium rate message codes of the plurality of premium text messages for a total of the payment amount.
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20. A non-transitory computer-readable medium storing instructions which, when executed on a purchase server, cause the purchase server to perform a method, the method comprising:
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receiving, in a purchase server, a payment instruction from a web server of a vendor, wherein the web server offers a product to a customer via transmitting transaction details of a transaction to a web browser of the customer and receiving order details of an order from the web browser of the customer to initiate the payment instruction for a payment to be made by the customer to the vendor, wherein the order details include a payment amount and identify a mobile phone of the customer; communicating, by the purchase server via text message through a carrier server of a mobile phone of the customer at the phone number, to confirm the payment requested by the payment instruction; receiving, at the purchase server, a confirmation from the mobile phone of the customer in response to the communication; based on the payment amount requested by the payment instruction, a plurality of premium rate message codes corresponding to a plurality of premium text messages for transmission to a recipient, wherein each respective premium rate message code of the plurality of premium rate message codes is predefined by the carrier server of the mobile phone to charge a predetermined amount, the premium rate message codes including at least first and second premium rate message codes each for different predetermined amount, wherein the payment amount is divided by the purchaser server such that, in combination, the predetermined amounts of at least the first and second premium rate message codes add up to the payment amount; and transmitting, from the purchase server through the carrier server of the mobile phone, the plurality of premium text messages to the mobile phone of the customer at the mobile phone number in response to the confirmation from the mobile phone, wherein the customer is to be charged on an account of the mobile phone held by the carrier server according to the predetermined amounts, including the first and second different amounts matching respectively the first and the second of the premium rate message codes, of the plurality of premium rate message codes of the plurality of premium text messages for a total of the payment amount.
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Specification