Method and/or system for extending payment system architectures and/or legacy order processing systems to mobile commerce applications via text messaging

• US 9,667,587 B2
• Filed: 07/07/2014
• Issued: 05/30/2017
• Est. Priority Date: 07/25/2005
• Status: Active Grant

• Current Assignee: CardinalCommerce Corporation (Visa, Inc.)
• Original Assignee: CardinalCommerce Corporation (Visa, Inc.)
• Inventors: Sherwin, Francis, Balasubramanian, Chandra S.
• Primary Examiner(s): Airapetian, Mila
• Application Number:
  US14/324,490
• Publication Number:
  US 20140324679A1
• Time in Patent Office: 1,058 Days
• Field of Search: 455 661, 705 261, 380249
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• 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 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 51/18 Commands or executable codes
• CPC Class Codes: H04L 51/58 Message adaptation for wireless communication

Abstract

A text message order processing system includes: means for receiving text messages from consumers purchasing products from one or more merchants, each of the text messages being addressed to an address selected by the consumer and including an identification of the product being purchased and an identification of a device from which the text message was sent; means for parsing each text messages to extract the identification of the product and the identification of the device from the text message; means for selecting based upon each received text message a payment instrument to be used to pay for the purchase; means for establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered; means for generating for each received text message an order including the established payment information, delivery information and identification of the product being purchased; and, means for submitting the generated order to an order management system of the merchant.

Claims

1. A text message processing system comprising:

a text message processing server configured to, by at least one processor;

receive a first text message from a party, the first text message including an identification of information being sought by the party and instructions to manipulate the identified information;

assign a unique transaction ID (TX ID) to the first text message and store the TX ID in a transaction database;

based on a particular type of transaction as determined from the received first text message, predict an expected next message;

if the expected next message is not received within a set period of time, void the transaction;

parse the first text message to identify the information being sought by the party;

generate a request for the identified information and manipulate the identified information in accordance with the instructions, the request being in a format other than a text message format;

submit the request to an information server having access to the identified information;

obtain the identified information as manipulated from the information server, the obtained information being in a format other than a text message format;

include the obtained information in a second text message; and

send the second text message back to the party.

2. The system of claim 1, wherein the first text message is in short message service (SMS) format and the first text message is addressed in an SMS shortcode.

3. The system of claim 1, further comprising:

a party information database storing information relating to the first party;

wherein the transaction database is configured to store messages exchanged between the party and the text message processing server.

4. A text message processing system comprising:

a party information database storing information relating to the first party; and

a text message processing server configured to, by at least one processor;

receive a first text message from a party, the first text message including an identification of information being sought by the party;

assign a unique transaction ID (TX ID) to the first text message and store the TX ID in a transaction database;

based on a particular type of transaction as determined from the received first text message, predict an expected next message;

if the expected next message is not received within a set period of time, void the transaction;

generate a request for the identified information when the identified information is not stored in the party information database, the request being in a format other than a text message format;

submit the request to an information server having access to the identified information;

receive the identified information in a format other than a text message format;

include the received information in a second text message; and

send the second text message back to the party.

5. The system of claim 4, wherein the first text message is in short message service (SMS) format and the first text message is addressed in an SMS shortcode.

6. The system of claim 4,

wherein the transaction database is configured to store messages exchanged between the party and the text message processing server.

7. A text message processing system comprising:

a text message processing server configured to, by at least one processor;

receive a first text message from a party, the first text message including an identification of a product or service being sought by the party;

assign a unique transaction ID (TX ID) to the first text message and store the TX ID in a transaction database;

based on a particular type of transaction as determined from the received first text message, predict an expected next message;

if the expected next message is not received within a set period of time, void the transaction;

generate a request for the product or service, the request being in a format other than a text message format;

submit the request to an information server having access to the product or service;

obtain the product or service from the information server, the obtained product or service being in a format other than a text message format;

include the product or service in a second text message; and

send the second text message back to the party.

8. The system of claim 7, wherein the product or service comprises a wireless personal identification number (PIN) for wireless airtime or a calling card number for calling card minutes.

9. The system of claim 7, wherein the first text message is in short message service (SMS) format and the first text message is addressed in an SMS shortcode.