Payment for network-based commercial transactions using a mobile phone

Method for ordering a deliverable (41;

• 71) that is offered by a merchant system (45;
• 75) at a certain price, comprising
• accessing the merchant system (45;
• 75) through a customer system (40;
• 70) and a network (44;
• 74);
• displaying the deliverable (41;
• 71) to a customer on the customer system (40;
• 70);
• performing an action on the customer system (40;
• 70) to order the deliverable (41;
• 71) at the merchant system (45;
• 75);
• sending the phone number of a mobile phone (43;
• 73) of the customer to the merchant system (45;
• 75);
• receiving an order confirmation for the deliverable (41;
• 71) on the mobile phone (43;
• 73);
• confirming the ordering of the deliverable (41;
• 71) using the mobile phone (43;
• 73) to transmit a response to the merchant system (45;
• 75) or a carrier system (48;
• 78);
• obtaining the deliverable (41;
• 71).

Method for processing by a merchant system (45;

• 75) the order of a customer for a deliverable (41;
• 71) that is offered by the merchant system (45;
• 75) at a certain price, the customer having access to a customer system (40;
• 70) and a mobile phone (43;
• 73) with associated phone number, comprising
• enabling the customer system (40;
• 70) to display the deliverable (41;
• 71) to the customer;
• enabling the customer to order the deliverable (41;
• 71) at the merchant system (45;
• 75) via the customer system (40;
• 70) and a network (44;
• 74);
• enabling the sending of an order confirmation for the deliverable (41;
• 71) to the mobile phone (43;
• 73) using the phone number;
• receiving an order confirmation or payment confirmation from a carrier system (48;
• 78);
• and
• making the deliverable (41;
• 71) available to the customer.

Method for handling by a carrier system (48;

• 78) the payment process for a customer who ordered a deliverable (41;
• 71) through a merchant system (45;
• 75) at a certain price, the customer having access to a customer system (40;
• 70) and a mobile phone (43;
• 73) with associated phone number, comprising
• obtaining transaction information for the ordering of the deliverable from the merchant system (45;
• 75);
• obtaining the phone number of the mobile phone (43;
• 73);
• sending an order confirmation for the deliverable (41;
• 71) to the mobile phone (43;
• 73) using the phone number;
• receiving through the mobile phone (43;
• 73) an order confirmation for the deliverable (41;
• 71);
• charging a phone bill (51;
• 81) maintained by the carrier system (48;
• 78) for the mobile phone (43;
• 73) with the certain price;
• and
• sending an order confirmation or payment confirmation to the merchant system (45;
• 75).

Merchant system (45;

• 75) for offering a deliverable (41, 71) via a network (44;
• 74) to a potential customer using a customer system (40;
• 70) and a mobile phone (43;
• 73), comprising
• a network interface connectable to the network (44;
• 74),
• a processing unit (46;
• 76);
• a database (47;
• 77) for maintaining detailed information about the deliverable (41;
• 71);
• a module for making the deliverable and some or all of the detailed information about the deliverable (41;
• 71) displayable to the potential customer on the customer system (40;
• 70);
• a module for making the deliverable (41;
• 71) selectable by the potential customer on the customer system (40;
• 70);
• a module for receiving an order for the deliverable (41;
• 71) from the customer system (40;
• 70) via the network and network interface;
• a module for causing a confirmation address to be transmitted to the mobile phone (43;
• 73) through a mobile telephone network (53;
• 83);
• a module for receiving an order confirmation issued by the mobile phone (43;
• 73), or a payment confirmation issued by a carrier system (48;
• 78);
• a module for making the deliverable (41;
• 71) available to the customer.

Carrier system (48;

• 78) for handling the payment process part of a commercial transaction between a customer, using a customer system (40;
• 70) and a mobile phone (43;
• 73), and a merchant system (45;
• 75), whereby the customer orders a deliverable (41;
• 71) at a certain price at the merchant system (45;
• 75);
• the carrier system (48;
• 78) comprising
• an interface connectable to a telephone network (56, 53;
• 86;
• 83),
• a processing unit (49;
• 79);
• a module for receiving via a communication link (57;
• 87) detailed information about the ordered deliverable (41;
• 71) from the merchant system (45;
• 75)
• a module for causing a confirmation address to be transmitted to mobile phone (43;
• 73) through a mobile telephone network (53;
• 83);
• a module for receiving an order confirmation turned by the mobile phone (43;
• 73) using the confirmation address;
• a module (49, 50;
• 79, 80) for charging the customer's phone bill (51;
• 81) with the certain price;
• a module (49;
• 79) for sending a payment confirmation to the merchant system (45;
• 75) causing the merchant system (45;
• 75) to make the ordered deliverable (41;
• 71) available to the customer.

A computer program product comprising a computer readable medium, having thereon:

• computer program code means, when said program is loaded, for enabling a customer to order a deliverable (41;
• 71) that is offered by a merchant system (45;
• 75) at a certain price, whereby the customer uses a customer system (45;
• 75) and a mobile phone (43;
• 73), execute procedure to
• access the merchant system (45;
• 75) through the customer system (40;
• 70) and a network (44;
• 74);
• display the deliverable (41;
• 71) to the customer on the customer system (40;
• 70);
• perform an action on the customer system (40;
• 70) to order the deliverable (41;
• 71) at the merchant system (45;
• 75);
• send the phone number of the mobile phone (43;
• 73) to the merchant system (45;
• 75);
• receive an order confirmation for the deliverable (41;
• 71) on the mobile phone (43;
• 73);
• confirm the ordering of the deliverable (41;
• 71) using the mobile phone (43;
• 73) to transmit a response to the merchant system (45;
• 75) or a carrier system (48;
• 78);
• obtain the deliverable (41;
• 71).

A computer program element comprising:

• computer program code means for enabling a customer to order a deliverable (41;
• 71) that is offered by a merchant system (45;
• 75) at a certain price, whereby the customer uses a customer system (45;
• 75) and a mobile phone (43;
• 71), execute procedure to
• access the merchant system (45;
• 75) through the customer system (40;
• 70) and a network (44;
• 74);
• display the deliverable (41;
• 71) to the customer on the customer system (40;
• 70);
• perform an action on the customer system (40;
• 70) to order he deliverable (41;
• 71) at the merchant system (45;
• 75);
• send the phone number of the mobile phone (43;
• 73) to the merchant system (45;
• 75);
• receive an order confirmation for the deliverable (41;
• 71) on the mobile phone (43;
• 73);
• confirm the ordering of the deliverable (41;
• 71) using the mobile phone (43;
• 73) to transmit a response to the merchant system (45;
• 75) or a carrier system (48;
• 78);
• obtain the deliverable (41;
• 71).

A computer program product comprising a computer readable medium, having thereon:

• computer program code means, when said program is loaded, for processing by a merchant system (45;
• 75) the order of a customer for a deliverable (41;
• 71) that is offered by the merchant system (45;
• 75) at a certain price, the customer having access to a customer system, (40;
• 70) and a mobile phone (43;
• 73) with associated phone number, execute procedure to
• enable the customer system (40;
• 70) to display the deliverable (41;
• 71) to the customer;
• enable the customer to order the deliverable (41;
• 71) at the merchant system (45;
• 75) via the customer system (40;
• 70) and a network (44;
• 74);
• enable the sending of an order confirmation for the deliverable (41;
• 71) to the mobile phone (43;
• 73) using the phone number;
• receive an order confirmation or payment confirmation from a carrier system (48;
• 78);
• make the deliverable (41;
• 71) available to the customer.

A computer program element comprising:

• computer program code means for processing by a merchant system (45;
• 75) the order of a customer for a deliverable (41;
• 71) that is offered by the merchant system (45;
• 75) at a certain price the customer having access to a customer system (40;
• 70) and a mobile phone (43;
• 73) with associated phone number, execute procedure to
• enable the customer system (40;
• 70) to display the deliverable (41;
• 71) to the customer;
• enable the customer to order the deliverable (41;
• 71) at the merchant system (45;
• 75) via the customer system (40;
• 70) and a network (44;
• 74);
• enable the sending of an order confirmation for the deliverable (41;
• 71) to the mobile phone (43;
• 73) using the phone number;
• receive an order confirmation or payment confirmation from a carrier system (48;
• 78);
• make the deliverable (41;
• 71) available to the customer.

A computer program product comprising a computer readable medium, having thereon:

• computer program code means, when said program is loaded, for handling by a carrier system (48;
• 78) the payment process for a customer who ordered a deliverable (41;
• 71) through a merchant system (45;
• 75) at a certain price, the customer having access to a customer system (40;
• 70) and a mobile phone (43;
• 73) with associated phone number, execute procedure to
• obtain transaction information for the ordering of the deliverable (41;
• 71) from the merchant system (45;
• 75);
• obtain the phone number of the mobile phone (43;
• 73);
• send an order confirmation for the deliverable (41;
• 71) to the mobile phone (43;
• 73) using the phone number;
• receive through the mobile phone (43;
• 73) an order confirmation for the deliverable (41;
• 71);
• charge a phone bill (51;
• 81) maintained by the carrier system (48;
• 78) for the mobile phone (43;
• 73) with the certain price;
• and
• send an order confirmation or payment confirmation to the merchant system (45;
• 75).

A computer program element comprising:

• computer program code means for handling by a carrier system (48;
• 78) the payment process for a customer who ordered a deliverable (41;
• 71) through a merchant system (45;
• 75) at a certain price, the customer having access to a customer system (40;
• 70) and a mobile phone (43;
• 73) with associated phone number, execute procedure to
• obtain transaction information for the ordering of the deliverable (41;
• 71) from the merchant system (45;
• 75);
• obtain the phone number of the mobile phone (43;
• 73);
• send an order confirmation for the deliverable (41;
• 71) to the mobile phone (43;
• 73) using the phone number;
• receive through the mobile phone (43;
• 73) an order confirmation for the deliverable (41;
• 71);
• charge a phone bill (51;
• 81) maintained by the carrier system (48;
• 78) for the mobile phone (43;
• 73) with the certain price;
• and
• send an order confirmation or payment confirmation to the merchant system (45;
• 75).