System and method for paying a merchant by a registered user using a cellular telephone account
View Patent ↗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.
1. 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.
2. The method of claim 1 , wherein possession is verified using an SMS text message transmitted to the mobile telephone that is compared against user entered text received via the web.
3. The method of claim 1 , wherein the SIM card identifier comprises an IMSI subscriber identifier.
4. The method of claim 1 , wherein the associating comprises querying one or more mobile telephone service providers.
5. The method of claim 4 , and further comprising receiving an identification as a pre-payment account or a post-payment account in response to one or more queries.
6. The method of claim 5 , wherein if the account comprises a pre-payment account further receiving an indication if the balance is sufficient or insufficient to permit payment without falling below a threshold.
7. The method of claim 5 , wherein if the account comprises a post-payment account further receiving an indication of user creditworthiness.
8. The method of claim 1 , wherein the associating comprises transmitting a request to a roaming clearinghouse.
9. The method of claim 1 , wherein the generating a payment comprises payment for a first time transaction; and further comprising:
generating a payment for a later, second time transaction without verifying possession of the mobile telephone.
10. 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.
11. The system of claim 10 , wherein the challenge response manager to compare text to be entered by the user and to be received via the web against an SMS text message to be transmitted to the mobile telephone in order to verify possession.
12. The system of claim 10 , wherein the SIM card identifier comprises an IMSI subscriber identifier.
13. The system of claim 10 , wherein the user interface manager to query one or more mobile telephone service providers in order to associate the number and the identifier.
14. The system of claim 13 , wherein the user interface manager to receive an identification as a pre-payment account or a post-payment account in response to one or more queries.
15. The system of claim 14 , wherein, if the account comprises a pre-payment account, an indication is to be received whether the balance is sufficient or insufficient to permit payment without falling below a threshold.
16. The system of claim 14 , wherein, if the account comprises a post-payment account, an indication is to be received of user creditworthiness.
17. The system of claim 10 , wherein the user interface manager to transmit a request to a roaming clearinghouse in order to associate the number and the identifier.
18. The system of claim 10 , wherein the settlement manager to generate a payment comprises the settlement manager to generate a payment for a first time transaction; and further comprising: the settlement manager to generate a payment for a later, second time transaction without verifying possession of the mobile telephone.
19. 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.
20. The product of claim 19 , wherein the executable computer readable program code further to have a capability to compare text to be entered by the user and to be received via the web against an SMS text message to be transmitted to the mobile telephone in order to verify possession.
21. The product of claim 19 , wherein the SIM card identifier comprises an IMSI subscriber identifier.
22. The product of claim 19 , wherein the executable computer readable program code further to have a capability to query one or more mobile telephone service providers in order to associate the number and the identifier.
23. The product of claim 22 , wherein the executable computer readable program code further to have a capability to receive an identification as a pre-payment account or a post-payment account in response to one or more queries.
24. The product of claim 23 , wherein the executable computer readable program code further to have a capability to, if the account comprises a pre-payment account, receive an indication whether the balance is sufficient or insufficient to permit payment without falling below a threshold.
25. The product of claim 23 , wherein the executable computer readable program code further to have a capability to, if the account comprises a post-payment account, receive an indication of user creditworthiness.
26. The product of claim 19 , wherein the executable computer readable program code further to transmit a request to a roaming clearinghouse in order to associate the number and the identifier.
27. The product of claim 19 , wherein the executable computer readable program code further to have a capability to generate a payment comprising a payment for a first time transaction; and further comprising a capability to generate a payment for a later, second time transaction without verifying possession of the mobile telephone.