# US 2014/0207688 A1 · Secure payment and billing method using mobile phone number or account

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- Number: US 2014/0207688 A1
- Document ID: US20140207688A1
- Status: Published application
- Kind: A1
- Application number: 14/222,615
- Filed: 2014-03-22
- Published: 2014-07-24
- Earliest claimed: 2009-02-14
- Assignees: Net2Text Limited
- Applicants: Net2Text Limited
- Inventors: Karim Anwar Rammal
- Web page: https://patentgrep.com/patent/US20140207688A1

## CPC

- G06Q 20/386: {using messaging services or messaging apps (using mobile network messaging services for payment, e.g. SMS G06Q20/3255)}
- G06Q 20/12: specially adapted for electronic shopping systems
- G06Q 20/16: Payments settled via telecommunication systems
- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/32: using wireless devices
- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q 20/325: {using wireless networks}
- G06Q 20/3255: {using mobile network messaging services for payment, e.g. SMS}
- G06Q 20/326: {Payment applications installed on the mobile devices}
- G06Q 20/382: {insuring higher security of transaction}
- G06Q 20/3821: {Electronic credentials}
- G06Q 20/38215: {Use of certificates or encrypted proofs of transaction rights}
- 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
- G06Q 20/425: {using two different networks, one for transaction and one for security confirmation}
- H04L 12/14: Charging, metering or billing arrangements specially adapted for data communications, e.g. authentication, authorisation and accounting [AAA] framework
- H04L 12/1467: {involving prepayment}
- H04L 63/0428: {wherein the data content is protected, e.g. by encrypting or encapsulating the payload}
- H04L 63/0892: {by using authentication-authorization-accounting [AAA] servers or protocols}
- H04L 63/126: {the source of the received data}
- G06Q 20/00: Payment architectures, schemes or protocols (apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12)
- G06Q 20/30: characterised by the use of specific devices {or networks}
- G06Q 20/4012: {Verifying personal identification numbers [PIN]}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

A system, method and computer program product for processing payments for goods or services, including a payment processor that receives a payment request from a merchant for goods or services and that includes a mobile phone number or mobile phone account of a user, sends a payment authorization request text message to the mobile phone requesting payment authorization, and receives a payment authorization text message from the mobile phone authorizing or not authorizing the payment. If the payment is authorized, the payment processor pays the merchant and charges the mobile phone account for the payment. If the payment is not authorized or if the payment is not received within a predetermined period of time, the payment processor declines to pay the merchant for the goods or services.

## Claims

### Claim 1

A computer implemented system for processing payments for goods or services, the system comprising:
a mobile operator servicing a mobile phone account of a user, wherein a payment processor receives a payment request for goods or services from a merchant, and the payment request includes the mobile phone number associated with the mobile phone account of the user;
the payment processor based on the payment request is configured to send a payment authorization request to a mobile operator servicing the mobile phone account of the user;
the mobile operator based on the payment authorization request is configured to send over a mobile network of the mobile operator a payment authorization request text message to a mobile phone of the user connected to the mobile network of the mobile operator requesting authorization for payment of the payment request;
the mobile phone of the user based on payment authorization request text message is configured to send over the mobile network of the mobile operator a payment authorization text message including a personal identification number of the user associated with the mobile phone number of the user to the mobile phone operator for authorization of payment of the payment request;
the mobile operator is configured to receive the payment authorization text message including the personal identification number of the user over the mobile network of the mobile operator for verification;
the payment processor is configured to receive a payment authorization from the mobile phone operator based on the payment authorization text message for authorizing or not authorizing the payment of the payment request;
if the payment authorization from the mobile phone operator authorizes the payment of the payment request, the payment processor is configured to pay the merchant for the goods or services from an account of the mobile phone operator, wherein the mobile phone operator charges the mobile phone account of the user for the payment; and
if the payment authorization from the mobile phone operator does not authorize the payment of the payment request or if the payment authorization text message is not received by the mobile operator over the mobile network of the mobile operator within a predetermined period of time, the payment processor is configured to decline to pay the merchant for the goods or services, and
wherein no financial information of the user nor the personal identification number of the user are sent to the payment processor.

### Claim 2 (depends on 1)

The system of claim 1, wherein the mobile operator is configured to check an account balance and/or charge protocols of the mobile phone account for payment for the goods or services and additional charges levied by the mobile operator.

### Claim 3 (depends on 1)

The system of claim 1, wherein the payment authorization request text message includes details of the merchant and a total amount payable which can include additional charges by the mobile operator.

### Claim 4 (depends on 1)

The system of claim 1, wherein the merchant is configured to send a message to the user including shipping information, promotional messages and/or coupons along with or following a receipt to the user.

### Claim 5

A computer implemented method for processing payments for goods or services, the method comprising:
providing a mobile operator servicing a mobile phone account of a user, wherein a payment processor receives a payment request for goods or services from a merchant, and the payment request includes the mobile phone number associated with the mobile phone account of the user;
sending by the payment processor based on the payment request a payment authorization request to the mobile operator servicing the mobile phone account of the user;
sending by the mobile operator based on the payment authorization request a payment authorization request text message over a mobile network of the mobile operator to a mobile phone of the user connected to the mobile network of the mobile operator requesting authorization for payment of the payment request;
sending by the mobile phone of the user based on payment authorization request text message a payment authorization text message over the mobile network of the mobile operator including a personal identification number of the user associated with the mobile phone number of the user to the mobile phone operator for authorization of payment of the payment request;
receiving by the mobile operator the payment authorization text message including the personal identification number of the user over the mobile network of the mobile operator for verification;
receiving by the payment processor a payment authorization from the mobile phone operator based on the payment authorization text message for authorizing or not authorizing the payment of the payment request;
if the payment authorization from the mobile phone operator authorizes the payment of the payment request, the payment processor is configured to pay the merchant for the goods or services from an account of the mobile phone operator, wherein the mobile phone operator charges the mobile phone account of the user for the payment; and
if the payment authorization from the mobile phone operator does not authorize the payment of the payment request or if the payment authorization text message is not received by the mobile operator over the mobile network of the mobile operator within a predetermined period of time, the payment processor is configured to decline to pay the merchant for the goods or services, and
wherein no financial information of the user nor the personal identification number of the user are sent to the payment processor.

### Claim 6 (depends on 5)

The method of claim 5, wherein the mobile operator is configured to check an account balance and/or charge protocols of the mobile phone account for payment for the goods or services and additional charges levied by the mobile operator.

### Claim 7 (depends on 5)

The method of claim 5, wherein the payment authorization request text message includes details of the merchant and a total amount payable which can include additional charges by the mobile operator.

### Claim 8 (depends on 5)

The method of claim 5, wherein the merchant is configured to send a message to the user including shipping information, promotional messages and/or coupons along with or following a receipt to the user.

### Claim 9

A computer program product for processing payments for goods or services and including one or more computer readable instructions embedded on a tangible, non-transitory computer readable medium and configured to cause one or more computer processors to perform the steps of:
providing a mobile operator servicing a mobile phone account of a user, wherein a payment processor receives a payment request for goods or services from a merchant, and the payment request includes the mobile phone number associated with the mobile phone account of the user;
sending by the payment processor based on the payment request a payment authorization request to the mobile operator servicing the mobile phone account of the user;
sending by the mobile operator based on the payment authorization request a payment authorization request text message over a mobile network of the mobile operator to a mobile phone of the user connected to the mobile network of the mobile operator requesting authorization for payment of the payment request;
sending by the mobile phone of the user based on payment authorization request text message a payment authorization text message over the mobile network of the mobile operator including a personal identification number of the user associated with the mobile phone number of the user to the mobile phone operator for authorization of payment of the payment request;
receiving by the mobile operator the payment authorization text message including the personal identification number of the user over the mobile network of the mobile operator for verification;
receiving by the payment processor a payment authorization from the mobile phone operator based on the payment authorization text message for authorizing or not authorizing the payment of the payment request;
if the payment authorization from the mobile phone operator authorizes the payment of the payment request, the payment processor is configured to pay the merchant for the goods or services from an account of the mobile phone operator, wherein the mobile phone operator charges the mobile phone account of the user for the payment; and
if the payment authorization from the mobile phone operator does not authorize the payment of the payment request or if the payment authorization text message is not received by the mobile operator over the mobile network of the mobile operator within a predetermined period of time, the payment processor is configured to decline to pay the merchant for the goods or services, and
wherein no financial information of the user nor the personal identification number of the user are sent to the payment processor.

### Claim 10 (depends on 9)

The computer program product of claim 9, wherein the mobile operator is configured to check an account balance and/or charge protocols of the mobile phone account for payment for the goods or services and additional charges levied by the mobile operator.

### Claim 11 (depends on 9)

The computer program product of claim 9, wherein the payment authorization request text message includes details of the merchant and a total amount payable which can include additional charges by the mobile operator.

### Claim 12 (depends on 3)

The computer program product of claim 3, wherein the merchant is configured to send a message to the user including shipping information, promotional messages and/or coupons along with or following a receipt to the user.