SYSTEMS AND METHODS FOR ELECTRONIC PAYMENT USING A MOBILE DEVICE FOR BILLING TO A SUBSCRIBER ACCOUNT
Systems and methods for electronic payment using a mobile device for billing to a subscriber account. A purchaser (also referred to herein as a “subscriber”) who has an account with a service provider for services unrelated to the purchase, engages a merchant in a transaction using a purchaser mobile device. The purchaser mobile device acquires purchase information to complete a purchase and unique purchaser identification information and communicates this information to a merchant mobile device. The merchant mobile device communicates the purchase information and the purchaser information along with unique merchant identification information to a service provider server. The service provider server interacts with the purchaser mobile device to authorize the purchase and bills a subscriber account associated with the purchaser mobile device upon a confirmation of the purchase.
1 . An electronic payment system using a mobile device for purchases and billing to a service provider account of a subscriber, the system comprising:
a purchaser mobile device;
a merchant mobile device; and
a service provider server, wherein
the purchaser mobile device is configured with software instructions that when executed cause the purchaser mobile device to perform operations comprising:
obtaining from the merchant mobile device purchase information to complete a purchase, wherein the purchase information comprises an amount to be paid;
generating a one-time password from a personal identification number (PIN);
generating a one-time public/private key pair from the amount to be paid, a current time, and the one-time password;
communicating the public key to the merchant mobile device; and
communicating the private key to the service provider server;
the merchant mobile device is configured with software instructions that when executed cause the purchaser mobile device to perform operations comprising:
receiving the public key from the purchaser mobile device; and
communicating the public key to the service provider server and
the service provider server is configured with software instructions that when executed cause the service provider server to perform operations comprising:
receiving the public key from the merchant mobile device and the private key from the purchaser mobile device;
determining whether the public key and the private key form a public/private key pair;
returning an authorization to the merchant mobile device when the public key and the private key form a public/private key pair; and
billing the service provider account associated with the subscriber the purchase price when the public key and the private key form a public/private key pair.
2 . The system of claim 1 , wherein the purchaser mobile device further comprises a graphic code reader and wherein the operation by the purchaser mobile device of obtaining purchase information comprises obtaining information from an encoded graphic associated with the purchase using the graphic code reader.
3 . The system of claim 1 , wherein the purchaser mobile device further comprises a tone receiver and wherein the operation by the purchaser mobile device of obtaining the purchase information comprises obtaining the purchase information using the tone receiver from an encoded tone associated with the purchase.
4 . The system of claim 1 , wherein the purchaser mobile device further comprises an infrared (IR) receiver and wherein the operation by the purchaser mobile device of obtaining the purchase information comprises obtaining the purchase information using the IR receiver information from an IR signal associated with the purchase.
5 . The system of claim 1 , wherein the service provider server is configured with software instructions that when executed cause the service provider server to further perform operations comprising deleting the public key and the private key when the public key and the private key form the public/private key pair.
6 . The system of claim 1 , wherein the service provider server is configured with software instructions that when executed cause the service provider server to further perform operations comprising;
deleting the public key and the private key when the public key that together with the private key form the public/private key pair is not received with a preset time; and
sending a transaction failure message to the merchant mobile device when the public key that together with the private key form the public/private key pair is not received with a preset time.
7 . (canceled)
8 . The system of claim 1 , wherein the operation by the purchaser mobile device of communicating the public key to the merchant mobile device comprises the purchaser mobile device and the merchant mobile device communicating using signals selected from the group consisting of IR signals, tone signals, and radio frequency signals.
9 . The system of claim 1 , wherein the purchaser mobile device comprises a graphic code generator and display and the operation by the purchaser mobile device of communicating the public key to the merchant mobile device comprises:
generating by the purchaser mobile device a graphic code representing the public key and
displaying by the purchaser mobile device the graphic code on the display; and
wherein the merchant mobile device comprises a graphic code reader and the operation by the merchant device of receiving the public key from the purchaser mobile device comprises:
reading by the merchant mobile device the graphic code displayed by the purchaser mobile device; and
acquiring from the graphic code the public key.
10 - 12 . (canceled)
13 . The system of claim 1 wherein the service provider server comprises separate files associated with multiple service providers, the service provider server configured with software instructions that cause the service provider server to perform operations in support of each individual service provider.
14 . A method for using a mobile device for purchases and billing to a subscriber account, the method comprising:
obtaining by a purchaser mobile device from the merchant mobile device purchase information to complete a purchase, wherein the purchase information comprises an amount to be paid;
generating a one-time password from a personal identification number (PIN);
generating a one-time public/private key pair from the amount to be paid, a current time, and the one-time password;
communicating by the purchaser mobile device the public key to a merchant mobile device;
communicating by the purchaser mobile device the private key to a service provider server;
receiving by the merchant mobile device the public key from the purchaser mobile device; and
communicating by the merchant mobile device the public key to the service provider server;
receiving by the service provider server the public key from the merchant mobile device and the private key from the purchaser mobile device;
determining by the service provider server whether the public key and the private key form a public/private key pair;
returning by the service provider server an authorization to the merchant mobile device when the public key and the private key form a public/private key pair; and
billing by the service provider server the service provider account associated with the subscriber the purchase price when the public key and the private key form a public/private key pair.
15 . The method of claim 14 , wherein the purchaser mobile device further comprises a graphic code reader and wherein obtaining purchase information comprises obtaining, using the graphic code reader, information from an encoded graphic associated with the purchase.
16 . The method of claim 14 , wherein the purchaser mobile device further comprises a tone receiver and wherein obtaining the purchase information comprises obtaining, using the encoded tone receiver, the purchase information from an encoded tone associated with the purchase.
17 . The method of claim 14 , wherein the purchaser mobile device further comprises an infrared (IR) receiver and wherein obtaining the purchase information comprises obtaining, using the IR receiver, the purchase information from an IR signal associated with the purchase.
18 . The method of claim 14 further comprising deleting by the service provider server the public key and the private key when the public key and the private key form the public/private key pair.
19 . The method of claim 18 further comprising:
deleting by the service provider server the public key and the private key when the public key that together with the private key form the public/private key pair is not received with a preset time; and
sending by the service provider server a transaction failure message to the merchant mobile device when the public key that together with the private key form the public/private key pair is not received with a preset time.
20 . (canceled)
21 . The method of claim 14 , wherein communicating the purchase information and the unique purchaser information public key to a merchant mobile device comprises the purchaser mobile device and the merchant mobile device communicating using signals selected from the group consisting of IR signals, tone signals, and radio frequency signals.
22 . The method of claim 14 , wherein the purchaser mobile device comprises a graphic code generator and display, and communicating by the mobile device the public key to a merchant mobile device comprises:
generating by the purchaser mobile device a graphic code representing the public key; and
displaying by the purchaser mobile device the graphic code on the display; and
wherein the merchant mobile device comprises a graphic code reader, and receiving by the merchant mobile device the public key from the purchaser mobile device comprises:
reading by the merchant mobile device the graphic code displayed by the purchaser mobile device; and
acquiring from the graphic code the public key.
23 - 25 . (canceled)
26 . The method of claim 14 wherein the service provider server comprises separate files associated with multiple service providers, the service provider server configured with software instructions that cause the service provider server to perform operations in support of each individual service provider.