Delivery of value identifiers using short message service (SMS)

• US 9,256,867 B2
• Filed: 10/03/2008
• Issued: 02/09/2016
• Est. Priority Date: 03/23/2005
• Status: Active Grant

• Current Assignee: e2Interactive Incorporated
• Original Assignee: e2Interactive Incorporated
• Inventors: Guest, John David, Tagg, Brian Roger, Lowin, Leslie George
• Primary Examiner(s): Le, Thien M
• Assistant Examiner(s): KIM, TAE W
• Application Number:
  US12/245,182
• Publication Number:
  US 20090036106A1
• Time in Patent Office: 2,685 Days
• Field of Search: 235/375
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: H04M 1/72436 for text messaging, e.g. short messaging services [SMS] or e-mails
• CPC Class Codes: H04M 15/06 Recording class or number of calling , i.e. A-party or called party , i.e. B-party
• CPC Class Codes: H04M 15/43 Billing software details
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 15/8221 Message based
• CPC Class Codes: H04M 17/00 Prepayment of wireline communication systems, wireless communication systems or telephone systems using a coded card to authorise calls from a telephone set H04M1/675
• CPC Class Codes: H04M 17/02 Coin-freed or check-freed systems , e.g. mobile- or card-operated phones, public telephones or booths
• CPC Class Codes: H04M 17/10 Account details or usage
• CPC Class Codes: H04M 17/20 with provision for recharging the prepaid account or card, or for credit establishment
• CPC Class Codes: H04M 17/204 on-line recharging, e.g. cashless
• CPC Class Codes: H04M 17/206 by sending a message, e.g. SMS, MMS or EMS
• CPC Class Codes: H04M 2215/0196 Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
• CPC Class Codes: H04M 2215/2026 Wireless network, e.g. GSM, PCS, TACS
• CPC Class Codes: H04M 2215/32 Involving wireless systems
• CPC Class Codes: H04W 4/24 Accounting or billing

Abstract

A system and method for adding value to a customer account are provided. An identifier associated with a value is distributed to a customer. The identifier is usable to add the value to an account. A request to add the value to a customer account is received via short message service (SMS). The request comprises the identifier and account identification information associated with the customer account. In some embodiments, the identifier may be entered into the device using text auto-completion software. The request is received from a user communication device as an SMS message. The value associated with the identifier and the customer account associated with the account identification number are identified based on the request. The value is caused to be added to the customer account. A confirmation that the value was added to the customer account is passed to the user communication device.

Claims

1. A method for adding value to a pre-existing customer account associated with a specific communication device that is associated with a specific provider of goods or services, the method using an identifier associated with a value that is redeemable with a plurality of providers of goods or services, including the specific provider, the method facilitated between a merchant, a customer, and a central processor, the method comprising:

receiving at the central processor a request via short message service (SMS) to add the value associated with the identifier to the pre-existing customer account, the request being received from a requesting communications device, the requesting communications device being any one of a plurality of communication devices that includes the specific communication device, the request comprising;

the identifier associated with the value; and

information sufficient to identify the pre-existing customer account;

based on the request via SMS to add value, the central processor;

determining the value associated with the identifier;

determining if the requesting communications device is the specific communications device; and

determining the specific provider and the pre-existing customer account associated with the specific communications device; and

causing the value to be added to the pre-existing customer account.

2. The method of claim 1, wherein, prior to receiving the request from the requesting communication device, the identifier is input into the SMS message at the requesting communication device at least in part by a user and at least in part automatically by the communication device.

3. The method of claim 1, wherein the identifier comprises at least one first set of alpha-numeric characters and at least one second set of alpha-numeric characters, and wherein the requesting communication device is configured to automatically input the second set of alpha-numeric characters in response to receiving an input of the first set of alpha-numeric characters.

4. The method of claim 1, wherein at least a portion of the identifier is entered into the SMS message at the requesting communication device using an auto-complete spelling function of a dictionary software program operative on the communication device.

5. The method of claim 1, wherein the identifier comprises a first portion and a second portion, wherein the first portion is entered into the SMS message into the requesting communication device, and in response to entering the first portion into the communication device, the requesting communication device automatically enters the second portion.

6. The method of claim 1, wherein the identifier comprises a first portion and a second portion, wherein the first portion is entered into the SMS message into the requesting communication device, and in response to entering the first portion into the communication device, the requesting communication device automatically suggests the second portion.

7. The method of claim 1, wherein a first portion of the identifier comprises a series of alpha-numeric characters, and wherein the first portion of the identifier is entered at the requesting communication device by speaking each of the series of alpha-numeric characters.

8. The method of claim 1, wherein a first portion of the identifier comprises a series of alpha-numeric characters, and wherein the first portion of the identifier is entered at the requesting communication device by speaking each of the alpha-numeric characters of the first portion of the identifier.

9. The method of claim 1, wherein a first portion of the identifier is entered at the requesting communication device by verbal request, and wherein a second portion of the identifier is entered at the requesting communication device by manually entering one or more alpha-numeric characters comprised in the second portion.

10. The method of claim 1, wherein, prior to receiving the request from the requesting communication device, the identifier is keyed into the SMS message at the requesting communication device by a user.

11. The method of claim 1, wherein the body of the SMS message comprises the identifier and the information sufficient to identify the pre-existing customer account.

12. The method of claim 1, wherein the information sufficient to identify the pre-existing customer account is stored in a memory storage system comprised in the requesting communication device, and wherein the information sufficient to identify the pre-existing customer account is entered into the body of the SMS message directly from the memory storage system.

13. The method of claim 1, wherein the identifier comprises a PIN.

14. The method of claim 1, wherein the specific communication device comprises a wireless phone having a phone number, and wherein the information sufficient to identify the pre-existing customer account comprises the phone number.

15. The method of claim 1, wherein the account comprises a telecommunications service account.

16. The method of claim 1, wherein the account comprises a prepaid wireless telephone account.

17. The method of claim 1, wherein the account is usable to purchase online gaming service.

18. The method of claim 1, wherein the account is usable to purchase bridge or road toll service.

19. The method of claim 1, wherein the account is usable to enable one or more services on the specific communication device.

20. The method of claim 1, further comprising:

based on a determination that the specific provider and the pre-existing account are associated with the requesting communications device, determining the specific provider and the pre-existing account based upon an identifier automatically provided by the requesting communications device; and

based on a determination that the specific provider and the pre-existing account are not associated with the requesting communications device, determining the specific provider and the pre-existing account based upon information entered by a user into the requesting communications device.

21. A system for adding value to a pre-existing customer account associated with a specific communication device that is associated with a specific provider of goods or services, the system using an identifier associated with a value that is redeemable with a plurality of providers of goods or services, including the specific provider, the system facilitated between a merchant, a customer, and a central processor, the system comprising:

an input device for;

receiving a request to activate the identifier, the request being received from the merchant upon purchase of the identifier; and

receiving a request via short message service (SMS) to add the value associated with the identifier to the pre-existing customer account, the request being received from a requesting communications device, the requesting communications device being any one of a plurality of communication devices that includes the specific communication device, the request comprising;

the identifier associated with the value; and

information sufficient to identify the pre-existing customer account;

a processor for;

activating the identifier; and

based on the request via SMS to add value;

determining the value associated with the identifier;

determining if the requesting communications device is the specific communications device; and

determining the specific provider and the pre-existing customer account associated with the specific communications device;

a value insertion system for causing the value to be added to the pre-existing customer account; and

an output device for;

passing to the specific communication device an SMS message confirming that a request to add value to the pre-existing customer account was received.