Payment transactions on mobile device using mobile carrier

• US 8,805,326 B2
• Filed: 05/09/2012
• Issued: 08/12/2014
• Est. Priority Date: 05/10/2011
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Marcus, David, Ferguson, Hill
• Primary Examiner(s): PHAM, TIMOTHY X
• Application Number:
  US13/467,799
• Publication Number:
  US 20120289188A1
• Time in Patent Office: 825 Days
• Field of Search: 455/406
• US Class Current: 455/406
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: H04M 15/47 Fraud detection or prevention means
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 15/83 Notification aspects
• CPC Class Codes: H04M 15/84 Types of notifications
• CPC Class Codes: H04M 15/844 Message, e.g. SMS
• CPC Class Codes: H04M 15/85 characterised by the type of condition triggering a notification
• CPC Class Codes: H04M 15/851 Determined tariff
• CPC Class Codes: H04M 15/858 Request users acknowledgement prior to use
• CPC Class Codes: H04W 4/24 Accounting or billing

Abstract

A user makes a purchase request through a merchant app on a mobile device, such as by selecting an item for purchase. A mobile SDK of a payment provider is installed in the merchant app. The payment request includes the phone number for the mobile device. The payment provider verifies the phone number of the user and requests approval of the payment from a mobile operator providing wireless communication services on the mobile device. If the request is approved, the payment is charged to the user mobile operator account. The user simply taps a button to select an item to purchase and selects another button to confirm the purchase. Once processing is done, the user is notified on the mobile device of a successful payment.

Claims

1. A system comprising:

a memory storing user account information, wherein the information comprises a mobile phone number for a user account; and

one or more processors for

receiving, by a third party payment provider, a payment request from a merchant application on a user mobile device, wherein the payment request comprises a phone number for the user mobile device and a payment amount;

verifying, by the third party payment provider, the phone number with a user account with the third party payment provider, comprising generating, by the third party payment provider, a one-time token, transmitting, by the third party payment provider, the one-time token to the user mobile device, and receiving, by the third party payment provider, the one-time token from the user mobile device;

transmitting the payment request, by the third party payment provider, to a mobile operator providing wireless communication services for the user mobile device;

receiving, by the third party payment provider, an approval or decline notification determined by and from the mobile operator;

processing, by the third party payment provider, the payment request upon receiving the approval, wherein the processing comprises charging the payment amount to an account of the user with the mobile operator; and

transmitting, by the third party payment provider, a notification to the user mobile device.

2. The system of claim 1, wherein the payment request is received from a mobile software development kit (SDK) installed in the merchant application.

3. The system of claim 1, wherein the one-time token comprises a unique identifier associating the payment request with the token.

4. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform a method comprising:

receiving, by a third party payment provider, a payment request from a merchant application on a user mobile device, wherein the payment request comprises a phone number for the user mobile device and a payment amount;

verifying, by the third party payment provider, the phone number with a user account with the third party payment provider comprising generating, by the third party payment provider, a one-time token, transmitting, by the third party payment provider, the one-time token to the user mobile device, and receiving, by the third party payment provider, the one-time token from the user mobile device;

transmitting the payment request, by the third party payment provider, to a mobile operator providing wireless communication services for the user mobile device;

receiving, by the third party payment provider, an approval or decline notification determined by and from the mobile operator;

processing, by the third party payment provider, the payment request upon receiving the approval, wherein the processing comprises charging the payment amount to an account of the user with the mobile operator; and

transmitting, by the third party payment provider, a notification to the user mobile device.

5. The non-transitory machine-readable medium of claim 4, wherein the payment request is received from a mobile software development kit (SDK) installed in the merchant application.

6. The non-transitory machine-readable medium of claim 4, wherein the one-time token has a unique identifier associating the payment request with the token.

7. The non-transitory machine-readable medium of claim 4, wherein the notification is transmitted to the merchant application.

8. A method comprising:

receiving, electronically by a processor of a third party payment provider, a payment request from a merchant application on a user mobile device, wherein the payment request comprises a phone number for the user mobile device and a payment amount;

verifying, electronically by the third party payment provider, the phone number with a user account with the third party payment provider comprising generating, by the third party payment provider, a one-time token, transmitting, by the third party payment provider, the one-time token to the user mobile device, and receiving, by the third party payment provider, the one-time token from the user mobile device;

transmitting, electronically by the third party payment provider, the payment request, by a payment provider, to a mobile operator providing wireless communication services for the user mobile device;

receiving, electronically by the third party payment provider, an approval or decline notification determined by and from the mobile operator;

processing, by the third party payment provider, the payment request upon receiving the approval, wherein the processing comprises charging the payment amount to an account of the user with the mobile operator; and

transmitting, electronically by the third party payment provider, an electronic notification to the user mobile device.

9. The method of claim 8, wherein the payment request is received from a mobile software development kit (SDK) installed in the merchant application.

10. The method of claim 8, wherein the one-time token has a unique identifier associating the payment request with the token.

11. The method of claim 8, wherein the notification is transmitted to the merchant application.