Method and system to process payment using SMS messaging and a mobile-optimized web form

A method for registering financial payment information comprising:

• receiving, by an electronic circuit of a mobile communication device, a mobile-optimized financial payment information form for a customer,
• receiving, by the electronic circuit, financial payment data input from the customer;
• posting, by the electronic circuit, the financial payment data input from the customer to a secure gateway for validation;
• and,
• receiving, by the electronic circuit, a personalized URL associated with the customer and validated financial payment data.

A payment/information processing system comprising:

• a mobile communication device comprising an electronic circuit, display device, input device, and associated electronic memory and power supply, the electronic circuit and memory configured to perform the step of:
• receiving a payment/information processing statement for a customer by a short message service (SMS) message, the payment/information processing statement comprising an online payment/information URL personalized to uniquely identify the customer;
• extracting the online payment/information URL from the SMS message;
• accessing a mobile-optimized web page using the online payment/information URL;
• receiving a customer's online payment/information form by the electronic circuit;
• displaying the online payment/information form on the display without the customer logging in or preregistering, the online payment/information form comprising data fields pre-populated with available customer information derived from the online payment/information URL;
• completing data in the online payment/information form as needed by the customer;
• and
• sending the completed online payment/information form to the secure payment form server.