Processor routing number for mobile communication service provider billing
First Claim
1. A system for payment approval at a point-of-sale (POS) terminal comprising:
- a POS terminal for processing a transaction involving a payment;
a mobile communication device in communication with the POS terminal and a service provider server, the mobile communication device comprising;
a near field communication (NFC) transceiver;
a radio transceiver;
a display;
a processor;
a non-transitory memory; and
an application stored in the non-transitory memory of the mobile communication device that, when executed by the processor of the mobile communication device;
in response to receiving a message from the POS terminal, presents a prompt to input identification information on the display,receives the identification information,transmits, in response to receiving the identification information, a request for a processor routing number via the radio transceiver to the service provider server, wherein the processor routing number is a non-exclusive account number that is also used by other mobile communication devices that are not associated with a service account corresponding to the mobile communication device;
receives, from the service provider server, the processor routing number via the radio transceiver, andtransmits, to the POS terminal via the near field communication transceiver, the processor routing number and metadata that comprises at least one of a phone number of the mobile communication device or an equipment identification of the mobile communication device;
a payment processor server in communication with the POS terminal and the service provider server, the payment processor server comprising;
a processor;
a non-transitory memory; and
a payment processor application stored in the non-transitory memory of the payment processor server that, upon execution by the processor of the payment processor server;
receives a payment process request from the POS terminal, wherein the payment process request comprises the processor routing number and the metadata,based on the processor routing number in the payment process request, determines that the processor routing number is not a standard credit card number and is to be processed as a service provider billing transaction with the service provider sever, andbased on the determination, sends a payment authorization request to the service provider server corresponding to the processor routing number; and
the service provider server in communication with the POS terminal and the payment processer server, the service provider server comprising;
a processor;
a non-transitory memory; and
a billing application stored in the non-transitory memory of the service provider server that, when executed by the processor of the service provider server;
receives, from the payment processor server, the payment authorization request, including the processor routing number and the metadata that was transmitted by the mobile communication device comprised in the payment process request,identifies the service account corresponding to the mobile communication device based on the received metadata,approves the payment authorization request based on the identified service account being in good standing, andbased on the approval, sends a payment approval message to the payment processor server, wherein the payment processor server sends the payment approval message to the POS terminal and the POS terminal completes the transaction based on the payment approval message.
6 Assignments
0 Petitions
Accused Products
Abstract
A method of billing a payment transaction to a mobile communication service account. The method comprises receiving a request for mobile communication service provider billing approval from a payment processor, wherein the request comprises one of a phone number associated with a mobile communication service account or an equipment identification of a mobile communication device associated with the mobile communication service account, wherein the request comprises a processor routing number, wherein the processor routing number is consistent in format with one of a block of credit card numbers maintained by a mobile communication service provider, and wherein the processor routing number is used by different mobile communication devices associated with different mobile communication service accounts to complete payments. The method further comprises identifying the service account based on one of the phone number or the equipment identification of the mobile communication device, and charging to the mobile communication service account.
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Citations
20 Claims
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1. A system for payment approval at a point-of-sale (POS) terminal comprising:
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a POS terminal for processing a transaction involving a payment; a mobile communication device in communication with the POS terminal and a service provider server, the mobile communication device comprising; a near field communication (NFC) transceiver; a radio transceiver; a display; a processor; a non-transitory memory; and an application stored in the non-transitory memory of the mobile communication device that, when executed by the processor of the mobile communication device; in response to receiving a message from the POS terminal, presents a prompt to input identification information on the display, receives the identification information, transmits, in response to receiving the identification information, a request for a processor routing number via the radio transceiver to the service provider server, wherein the processor routing number is a non-exclusive account number that is also used by other mobile communication devices that are not associated with a service account corresponding to the mobile communication device; receives, from the service provider server, the processor routing number via the radio transceiver, and transmits, to the POS terminal via the near field communication transceiver, the processor routing number and metadata that comprises at least one of a phone number of the mobile communication device or an equipment identification of the mobile communication device; a payment processor server in communication with the POS terminal and the service provider server, the payment processor server comprising; a processor; a non-transitory memory; and a payment processor application stored in the non-transitory memory of the payment processor server that, upon execution by the processor of the payment processor server; receives a payment process request from the POS terminal, wherein the payment process request comprises the processor routing number and the metadata, based on the processor routing number in the payment process request, determines that the processor routing number is not a standard credit card number and is to be processed as a service provider billing transaction with the service provider sever, and based on the determination, sends a payment authorization request to the service provider server corresponding to the processor routing number; and the service provider server in communication with the POS terminal and the payment processer server, the service provider server comprising; a processor; a non-transitory memory; and a billing application stored in the non-transitory memory of the service provider server that, when executed by the processor of the service provider server; receives, from the payment processor server, the payment authorization request, including the processor routing number and the metadata that was transmitted by the mobile communication device comprised in the payment process request, identifies the service account corresponding to the mobile communication device based on the received metadata, approves the payment authorization request based on the identified service account being in good standing, and based on the approval, sends a payment approval message to the payment processor server, wherein the payment processor server sends the payment approval message to the POS terminal and the POS terminal completes the transaction based on the payment approval message. - View Dependent Claims (2, 3, 4, 5, 19, 20)
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6. A method of processing a payment transaction, comprising:
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establishing, by a mobile communication device via a radio transmitter coupled to a network, a communication session with a service provider server, wherein the mobile communication device is associated with a service account on the network of a service provider; transmitting, from the mobile communication device executing a client application, a request for a processor routing number via the communication session to the service provider server; determining, by the service provider server executing an application stored in non-transitory memory, the processor routing number for use by at least the mobile communication device, wherein the processor routing number is a non-exclusive account number that is also used by other mobile communication devices that are not associated with the service account corresponding to the mobile communication device; providing, from the service provider server executing the application, the processor routing number to the mobile communication device via the radio transceiver; receiving, by the mobile communication device via the radio transmitter coupled to the network, the processor routing number from the service provider server; initiating, by executing the client application on the mobile communication device, a near field communication (NFC) transceiver on the mobile communication device for a purchase transaction; in response to initiation of the NFC transceiver, providing, from the mobile communication device to a point-of-sale (POS) terminal via the NFC transceiver, the processor routing number and metadata that comprises at least one of a phone number of the mobile communication device or an equipment identification of the mobile communication device; receiving, by a payment processor server executing a payment processor application stored in non-transitory memory, a payment process request from the POS terminal, wherein the payment process request comprises the processor routing number and the metadata; based on the processor routing number in the payment process request, determining, by the payment processor server executing the payment processor application, that the payment process request is not a standard credit card number and is to be processed as a service provider billing transaction by the server provider server, wherein the payment processer server identifies and routes to the service provider server based on the processor routing number; in response to the determination, sending, by the payment processor application of the payment processor server, a payment authorization request for service provider billing approval to the service provider server corresponding to the processor routing number, wherein the payment authorization request for service provider billing approval comprises the processor routing number and the metadata; receiving, by the service provider server from the payment processor application of the payment processor server, the processor routing number and the metadata comprised in the payment authorization request for service provider billing approval; identifying, by the service provider server, the service account corresponding to the mobile communication device based on the received metadata; authenticating, by the service provider server, that the mobile communication service account is in good standing based on the metadata, wherein the payment authorization request is approved based on the authentication; based on approval, sending, by the service provider server, a payment approval message to the payment processor server; receiving, by the payment processor application of the payment processor server, approval via the payment approval message to bill the purchase transaction to the service account associated with the mobile communication device from the service provider server; and in response to receiving approval to bill the purchase transaction to the service account via the payment approval message, transmitting, by the payment processor application of the payment processor server, the payment approval message to the POS terminal, wherein the POS terminal completes the purchase transaction based on the payment approval message. - View Dependent Claims (7, 8, 9, 10, 11, 12, 13)
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14. A method of billing a payment transaction to a mobile communication service account via a network, comprising:
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receiving, by a payment processor server executing a payment processor application on a processor from a non-transitory memory, a payment process request from a point-of-sale (POS) terminal for a purchase transaction initiated by the mobile communication device via an NFC transceiver, the payment process request comprising a processor routing number and metadata that comprises at least one of a phone number of the mobile communication device or an equipment identification of the mobile communication device, wherein the processor routing number is a non-exclusive account number that is also used by other mobile communication devices that are not associated with a service account corresponding to the mobile communication device; based on the processor routing number, determining, by the payment processor server executing the payment processor application, that the payment process request is not a standard credit card number and is to be processed as a service provider billing transaction by a service provider server of a mobile communication service provider, wherein the payment processer server identifies and routes to the service provider server based on the processor routing number; in response to the determination, sending, by the payment processor server executing the payment processor application, a payment authorization request for service provider billing approval to the service provider server corresponding to the processor routing number, wherein the payment authorization request for service provider billing approval comprises the processor routing number, the metadata, and a payment amount associated with the purchase transaction; receiving, by the service provider server executing a billing application stored in a non-transitory memory, the payment authorization request for service provider billing approval from the payment processor server; identifying, by the billing application of the service provider server, the service account based on one of the phone number or the equipment identification of the mobile communication device; approving the payment authorization request based on determining, by the service provider server, that the identified service account is in good standing on a mobile communication service provider network; based on the approval, charging, by the billing application of the service provider server, the payment amount against the service account; and transmitting, by the billing application of the service provider server, a payment approval message to the payment processor server, wherein the POS terminal completes the purchase transaction based on the payment approval message. - View Dependent Claims (15, 16, 17, 18)
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Specification