# US 8,751,389 B2 · Method and system to process payment using SMS messaging and a mobile-optimized web form

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- Number: US 8,751,389 B2
- Document ID: US8751389B2
- Status: Granted
- Kind: B2
- Application number: 13/948,075
- Filed: 2013-07-22
- Published: 2013-11-14
- Granted: 2014-06-10
- Earliest claimed: 2011-11-28
- Assignees: Softerware, Inc.
- Applicants: Douglas Schoenberg
- Inventors: Douglas Schoenberg
- Web page: https://patentgrep.com/patent/US8751389B2

## CPC

- G06Q 20/3255: {using mobile network messaging services for payment, e.g. SMS}
- G06Q 10/10: Office automation; Time management
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/14: specially adapted for billing systems
- G06Q 20/325: {using wireless networks}
- G06Q 20/327: {Short range or proximity payments by means of M-devices}
- G06Q 20/3276: {using a pictured code, e.g. barcode or QR-code, being read by the M-device}
- G06Q 30/04: Billing or invoicing
- 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

## Abstract

Provided is a method and system for processing payment/information, including receiving, by an electronic circuit of a mobile communication device, a payment/information processing statement for a customer by a short message service (SMS) message, the payment/information processing statement including an online payment/information URL personalized to uniquely identify the customer. Next, the online payment/information URL is extracted from the SMS, and a mobile-optimized web page is accessed using the online payment/information URL. A customer's online payment/information form is then received and completed by the customer, then forwarded to a secure payment form server.

## Claims

### Claim 1

A payment/information processing method comprising:
receiving, by an electronic circuit of a mobile communication device, 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 by the electronic circuit;
accessing a mobile-optimized web page using the online payment/information URL, by the electronic circuit;
receiving a customer's online payment/information form by the electronic circuit;
displaying the online payment/information form on the mobile communication device 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 a secure payment form server.

### Claim 2 (depends on 1)

The payment/information processing method according to claim 1, further comprising forwarding a payment from the customer to a biller.

### Claim 3 (depends on 1)

The payment processing/information processing method according to claim 1, further comprising updating customer information in a database with information from the completed online payment/information form.

### Claim 4

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.

### Claim 5 (depends on 4)

The method according to claim 4, further comprising:
sending, by the electronic device, an SMS message to a payee, the SMS message comprising the personalized URL associated with the customer and validated financial payment data.

### Claim 6

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.

### Claim 7 (depends on 6)

The system according to claim 6, further comprising forwarding a payment from the customer to a biller.

### Claim 8 (depends on 6)

The system according to claim 6, further comprising updating customer information in a database with information from the completed online payment/information form.

### Claim 9 (depends on 8)

The system according to claim 8, wherein the information is financial payment information, further comprising the steps of:
receiving a mobile-optimized financial payment information form for a customer,
receiving financial payment data input from the customer;
posting the financial payment data input from the customer to a secure gateway for validation; and,
receiving a personalized URL associated with the customer and validated financial payment data.

### Claim 10 (depends on 9)

The system according to claim 9, further comprising the step of:
sending an SMS message to a payee, the SMS message comprising the personalized URL associated with the customer and validated financial payment data.