Mobile person to person voice payment

A mobile device comprising:

• a mobile device processor;
• a display component operably connected to the mobile device processor;
• a keypad operably connected to the mobile device processor;
• receive/transmit circuitry operably connected to the mobile device processor;
• a speaker operably connected to the mobile device processor;
• a microphone operably connected to the receive/transmit circuitry;
• and
• a storage device operably connected to the mobile device processor, wherein the storage device comprises a mobile person-to-person (P2P) voice money application running in the background and configured to cause the mobile device processor to:
• detect a first key entry by a caller on the keypad during a mobile telephone call with a recipient, wherein the recipient's mobile device is also running the P2P voice money application in the background of the mobile telephone call, and wherein the caller and the recipient are each enrolled in a P2P mobile payment service which provides the P2P voice money application for download to the mobile devices of the caller and recipient, wherein the mobile payment service comprises a mobile P2P computer operably connected to a P2P enrollment database, and wherein enrollment comprises selecting a mobile wallet for use in making P2P voice money payments, and wherein enrollment further comprises giving permission for the mobile telephone numbers of the caller and the recipient to be provided to Internet-based messaging applications running on the mobile devices of the caller and the recipient, wherein the caller and recipient are each consumers and customers of a mobile network operator who has authorized the use of the P2P voice money application;
• activate, in response to the first key entry, a mobile P2P money transfer process for transferring money from the selected mobile wallet of the caller directly to the selected mobile wallet of the recipient during the mobile telephone call, wherein the mobile wallet of the caller and recipient are associated with a credit card payment network which is in communication with a respective issuer of credit to the caller and the recipient, whereby the issuers of credit carry out the money transfer process using the payment network;
• automatically mute the mobile telephone call to prevent communication via the receive/transmit circuitry with the recipient without disconnecting the call, wherein the caller and the recipient are enrolled in a P2P mobile payment service associated with a mobile P2P computer operably connected to a P2P enrollment database and provided permission for their mobile telephone numbers to be provided to Internet-based messaging applications;
• prompt the caller to enter a personal identification number (PIN) and a payment amount;
• receive the PIN and the payment amount from the caller;
• display the PIN and the payment amount on the display component;
• detect a second key entry on the keypad by the caller indicating that the payment amount is correct;
• in response to the second key entry, audibly prompt via the speaker the caller to provide voice data associated with a password by speaking into the microphone;
• receive the voice data from the caller;
• detect a third key entry on the keypad by the caller, the third key entry indicating that the caller finished providing voice data;
• transmit, in response to the third key entry via the receive/transmit circuitry to the mobile person-to-person (P2P) computer, a P2P payment request comprising the PIN, the payment amount, the voice data of the caller, caller account data, and a recipient mobile telephone number being used in the current call for use by the mobile P2P computer to generate and transmit a P2P payment authorization request to a payment network;
• automatically unmute the mobile telephone call thus continuing the call between the caller and the recipient;
• and
• receive via the receive/transmit circuitry, using the Internet-based messaging application running on the mobile device of the caller and during the mobile telephone call with the recipient a P2P payment message from the mobile P2P computer.

A mobile person-to-person (P2P) voice payment system comprising:

• a caller mobile device of a caller configured for conducting telephone calls;
• a recipient mobile device of a recipient configured for conducting telephone calls;
• a mobile person-to-person (P2P) computer operably connected to the caller mobile device and the recipient mobile device;
• a payment network operably connected to the mobile P2P computer and to a plurality of issuer financial institutions (FIs);
• wherein the caller mobile device comprises a mobile device processor operably connected to a storage component, a key pad, a display component, a microphone, a speaker and receive/transmit circuitry, and wherein the storage device comprises a mobile P2P voice money application running in the background and configured to cause the mobile device processor to:
• detect a first key entry by a caller on the keypad during a mobile telephone call with a recipient, wherein the recipient's mobile device is also running the P2P voice money application in the background of the mobile telephone call, and wherein the caller and the recipient are each enrolled in a P2P mobile payment service which provides the P2P voice money application for download to the mobile devices of the caller and recipient, wherein the mobile payment service comprises a mobile P2P computer operably connected to a P2P enrollment database, and wherein enrollment comprises selecting a mobile wallet for use in making P2P voice money payments, and wherein enrollment further comprises giving permission for the mobile telephone numbers of the caller and the recipient to be provided to Internet-based messaging applications running on the mobile devices of the caller and the recipient, wherein the caller and recipient are each consumers and customers of a mobile network operator who has authorized the use of the P2P voice money application;
• activate, in response to the first key entry, a mobile P2P money transfer process for transferring money from the selected mobile wallet of the caller directly to the selected mobile wallet of the recipient during the mobile telephone call, wherein the mobile wallet of the caller and recipient are associated with a credit card payment network which is in communication with a respective issuer of credit to the caller and the recipient, whereby the issuers of credit carry out the money transfer process using the payment network;
• automatically mute the mobile telephone call to prevent communication via the receive/transmit circuitry with the recipient without disconnecting the call, wherein the caller and the recipient are enrolled in a P2P mobile payment service associated with a mobile P2P computer operably connected to a P2P enrollment database and provided permission for their mobile telephone numbers to be provided to Internet-based messaging applications;
• prompt the caller to enter a personal identification number (PIN) and a payment amount;
• receive the PIN and the payment amount from the caller;
• display the PIN and the payment amount on the display component;
• detect a second key entry on the keypad by the caller indicating that the payment amount is correct;
• in response to the second key entry, audibly prompt via the speaker the caller to provide voice data associated with a password by speaking into the microphone;
• receive the voice data from the caller;
• detect a third key entry on the keypad by the caller, the third key entry indicating that the caller finished providing voice data;
• transmit, in response to the third key entry via the receive/transmit circuitry to the mobile person-to-person (P2P) computer, a P2P payment request comprising the PIN, the payment amount, the voice data of the caller, caller account data, and a recipient mobile telephone number being used in the current call for use by the mobile P2P computer to generate and transmit a P2P payment authorization request to a payment network;
• automatically unmute the mobile telephone call thus continuing the call between the caller and the recipient;
• and
• receive via the receive/transmit circuitry during the mobile telephone call with the recipient a P2P payment message from the mobile P2P computer,
• receive via the receive/transmit circuitry, using the Internet-based messaging application running on the caller mobile device and during the mobile telephone call with the recipient a P2P payment message from the mobile P2P computer.