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US 8,606,640 B2Granted
System and method for paying a merchant by a registered user using a cellular telephone account
AssigneePayfone, Inc.
InventorsMichael Brody, Rodger Desai, Sung Kim
Life of this patent
Estimating the term…
Abstract
A system and method allows users to make purchases by charging or funding a prepaid debit card with their cell phone accounts by simulating a user roaming with their mobile device.
Claims27
A method of paying for a product or service, comprising:
- receiving at a computer system, from a merchant a mobile telephone number of a user as a request for payment to the merchant for the product or service;
- verifying via the computer system that the user has possession of a mobile telephone corresponding to the mobile telephone number received;
- associating via the computer system the mobile telephone number with a SIM card identifier;
- generating a roaming charge to the mobile telephone account for the mobile telephone corresponding to an amount charged by the merchant for the product or service;
- and
- generating a payment of funds to the merchant of the amount to pay for the product or service.
3 more elements
A system for paying for a product or service, comprising:
- a computer system;
- the computer system including
- a user interface manager;
- a challenge response manager;
- and
- a settlement manager;
- the user interface manager to process a mobile phone number of a user received from a merchant as a request for payment to the merchant for the product or service and to associate the mobile phone number with a SIM card identifier;
- the challenge response manager to verify that the user has possession of a mobile telephone corresponding to the mobile telephone number received;
- and the settlement manager to generate a roaming charge to the mobile telephone account for the mobile telephone corresponding to an amount charged by the merchant for the product or service and to generate a payment of funds to the merchant for the amount to pay for the product or service.
6 more elements
A computer program product comprising:
- a nontransitory computer useable medium having computer readable program code embodied therein for paying for a product or service, the computer readable program code executable by a computer system to:
- receive from a merchant a mobile telephone number of a user as a request for payment to the merchant for the product or service;
- verify that the user has possession of a mobile telephone corresponding to the mobile telephone number received;
- associate the mobile telephone number with a SIM card identifier;
- generate a roaming charge to the mobile telephone account for the mobile telephone corresponding to an amount charged by the merchant for the product or service;
- and
- generate a payment of funds to the merchant of the amount to pay for the product or service.
4 more elements
Dependencies are inferred from the claim text.