Phone number payments for bill payments users

• US 9,384,487 B2
• Filed: 01/28/2011
• Issued: 07/05/2016
• Est. Priority Date: 01/28/2011
• Status: Active Grant

• Current Assignee: Fidelity National Information Services Incorporated
• Original Assignee: Fis Financial Compliance Solutions LLC (Fidelity National Information Services Incorporated)
• Inventors: Brown, Steven T.
• Primary Examiner(s): Poinvil, Frantzy
• Application Number:
  US13/016,274
• Publication Number:
  US 20120197786A1
• Time in Patent Office: 1,985 Days
• Field of Search: 705 3- 44
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

Described herein are methods and systems for registering a phone number as a payment facilitator. The phone number can be registered through a user'"'"'s Bill Pay account, which is associated to the user'"'"'s financial account. The user can specify the types of purchases that can be made using the phone number and request that a merchant processing a payment using the phone number convey customized details regarding the purchase. Purchase details associated with a purchase can then be provided to the consumer by the merchant. Also described herein are methods and systems for processing a payment using a phone number. The payment can be processed, in part, by a payment processor providing a consumer with a Bill Pay account associated with the consumer'"'"'s financial account. The payment can be processed without the use of a credit card network and, as a result, without incurring unnecessary Interchange fees.

Claims

1. A computer-implemented method for registering an identification number as a payment facilitator, the method, performed by one or more processors, comprising:

providing, over a first network, a user with access to a bill payment platform associated with a financial account;

prompting the user to register an identification number for use as a payment facilitator, the identification number comprising a phone number;

receiving, over the first network, the identification number from the user through one or more input parameters provided to a first graphical user interface element;

encrypting a first authorization code and transmitting the encrypted authorization code to a mobile device associated with the identification number;

receiving a second authorization code from the mobile device responsive to the transmitted authorization code;

associating the identification number with the financial account based on a comparison of the first authorization code and the second authorization code;

receiving purchase detail information from the user over the first network through one or more input parameters provided to a second graphical user interface element different from the first graphical user interface element, the purchase details information specifying characteristics associated with a transaction to be provided by a merchant processing a payment using the identification number;

providing registration information to the merchant prior to a time the user initiates a purchase, the registration information comprising the identification number and purchase details information;

receiving, over a second network, the identification number and the purchase detail information at the time the user initiates a purchase through one or more input parameters provided to a third graphical user interface element different from the first and second graphical user interface elements;

verifying the identification number and the purchase detail information; and

scheduling, at the time the user initiates a purchase using the identification number, a payment to the merchant through the bill payment platform based on the verification.

2. The computer-implemented method of claim 1, further comprising:

providing the user with an opportunity to customize the usage of the identification number as a payment facilitator.

3. The computer-implemented method of claim 2, wherein providing the user with an opportunity to customize the usage of the identification number as a payment facilitator comprises allowing the user to specify one or more merchants authorized to use the identification number as a payment facilitator through one or more inputs provided to a fourth user interface element different from the first, second, and third user interface elements.

4. The computer-implemented method of claim 2, wherein providing the user with an opportunity to customize the usage of the identification number as a payment facilitator comprises allowing the user to limit the use of the identification number as a payment facilitator.

5. The computer-implemented method of claim 4, wherein allowing the user to limit the use of the identification number as a payment facilitator comprises allowing the user to specify particular dates on which, times at which, products for which, or merchants for which the identification number cannot be used as a payment facilitator, through one or more inputs provided to a fourth user interface element different from the first, second, and third user interface elements.

6. The computer-implemented method of claim 1, further comprising:

transmitting the identification number to a third party for activation.

7. The computer-implemented method of claim 6, wherein transmitting the identification number to a third party comprises transmitting the identification number to a routing partner.

8. The computer-implemented method of claim 7, wherein the routing partner transmits the identification number to one or more merchants accepting identification numbers as a payment facilitator.

9. The computer-implemented method of claim 1, further comprising:

transmitting the user-specified characteristics information associated with the transaction to one or more merchants accepting the identification number as a payment facilitator.

10. The computer-implemented method of claim 1, wherein prompting the user to register the identification number for use as a payment facilitator comprises directing the user to a routing partner'"'"'s website.

11. The computer-implemented method of claim 10, wherein the routing partner receives the identification number from the user.

12. The computer-implemented method of claim 11, wherein the routing partner authenticates the identification number and associates the user and the bill payment platform with the identification number.

13. The computer-implemented method of claim 12, wherein, after authentication of the identification number, the routing partner transmits the identification number to the bill payment platform or one or more merchants accepting identification numbers as a payment facilitator.

14. The computer-implemented method of claim 1, wherein the first network and the second network are different networks.

15. The computer-implemented method of claim 1, wherein the purchase level details information define a plurality of levels based on a respective merchant type.

16. A system for registering a phone number as a payment facilitator, the system comprising:

a database; and

a processor coupled to the database and configured to;

prompt a user, over a first network, to register a phone number within a bill payment platform as a payment facilitator;

receive the phone number from the user over the first network through one or more input parameters provided to a first graphical user interface element;

transmit a first authorization code, over a second network, to a mobile device associated with the phone number, wherein the system encrypts the first authorization code before transmitting the first authorization code to the user;

prompt the user to provide the first authorization code;

receive a second authorization code from the user;

associate the phone number with a financial account of the user based on a comparison of the first authorization code and the second authorization code;

provide the user with a list of merchants accepting the phone number as a payment facilitator;

receive purchase detail information from the user through one or more input parameters provided to a second user interface element different from the first user interface element, the purchase details information specifying characteristics associated with a transaction to be provided by a merchant processing a payment using the phone number;

transmit the phone number and purchase detail information to one or more of the merchants accepting phone numbers as payment facilitators;

receive, over a third network, the phone number through one or more input parameters provided to a third graphical user interface element different from the first and second user interface elements, and receive purchase detail information at the time a user initiates a purchase;

verify the phone number and purchase detail information; and

schedule, at the time the user initiates a purchase using the phone number, a payment to the merchant from the financial account based on the verification.

17. The system of claim 16, wherein the phone number is a mobile phone number.

18. The system of claim 16, wherein the processor transmits the authorization code to the user via a text message sent to the phone number.

19. The system of claim 16, wherein the processor transmits the authorization code to the user via a voice message sent to the phone number.

20. The system of claim 16, wherein the processor receives the authorization code from the user via a text message sent from the phone number.

21. The system of claim 16, wherein the processor receives the authorization code from the user via a voice message left from the phone number.

22. The system of claim 16, wherein the processor receives the authorization code from the user via a phone call placed from the phone number.

23. The system of claim 16, wherein the processor is further configured to encrypt the phone number before transmitting the phone number to one or more of the merchants accepting phone numbers as payment facilitators.

24. The system of claim 16, wherein the first network and second network are different, and wherein the third network is not a credit card payment network.

25. The system of claim 16, wherein the purchase level details information define a plurality of levels based on a respective merchant type.

26. A computer-implemented method of processing a payment using a phone number, the method comprising:

prompting, by a processor, a consumer to enter a phone number as a payment facilitator for a transaction with a merchant;

receiving, by the processor, the phone number over a network through one or more input parameters provided to a first user interface element;

receiving, by the processor, purchase detail information from the consumer over the network through one or more input parameters provided to a second user interface element different from the first user interface element, the purchase detail information specifying characteristics associated with a transaction to be provided by a merchant processing a payment using the phone number;

encrypting a first authorization code and transmitting the encrypted authorization code to a mobile device associated with the received phone number;

receiving a second authorization code from the mobile device responsive to the transmitted authorization code;

associating the phone number with a financial account of the user based on a comparison of the first authorization code and the second authorization code;

transmitting, by the processor, registration information over a second network to the merchant prior to the time a user initiates a purchase, the registration information comprising the phone number and the purchase detail information;

verifying, by the processor, the phone number has been registered for use as a payment facilitator;

transmitting, by the processor, the phone number and purchase detail information to a bill payment platform over a third network;

scheduling in real-time, by the bill payment platform, a payment to the merchant from a financial account associated with the phone number;

providing, by the bill payment platform, information regarding the scheduled payment; and

transmitting, by the bill payment platform, the payment to the merchant.

27. The computer-implemented method of claim 26, further comprising:

comparing the purchase detail information to a record of the consumer'"'"'s preferences; and

determining whether the consumer'"'"'s preferences forbid the purchase.

28. The computer-implemented method of claim 27, further comprising:

denying the use of the phone number as a payment facilitator if the consumer'"'"'s preferences forbid the purchase.

29. The computer-implemented method of claim 26, further comprising:

transmitting an approval message to a merchant processing the payment after the withdrawal from the financial account has been successfully scheduled.

30. The computer-implemented method of claim 26, wherein providing the consumer with the customized level of detail regarding the purchase is performed via a third user interface element different from the first and second user interface elements, wherein the third user interface element is associated with the bill payment platform.

31. The computer-implemented method of claim 26, further comprising:

verifying that the financial account contains sufficient funds to successfully complete the payment.

32. The computer-implemented method of claim 26, wherein the first network and second network are different, and wherein the third network is not a credit card payment network.

33. The computer-implemented method of claim 26, wherein the purchase level details information define a plurality of levels based on a respective merchant type.