Granted Patent B2

US 9,430,787 · App. 13/372,817 · Granted Aug 30, 2016

Abstract

Claims (55)

1. A mobile device comprising:

at least one input device to receive physical input;

a display to present an interactive user interface, the interactive user interface to receive one or more commands that are correlated to the physical input via the at least one input device;

a wireless communication subsystem;

a memory; and

a processor configured to:

receive, via a first electronic selection caused by a first physical input received by the at least one input device and received by the interactive user interface, a selection of at least one of a good, a service, and a payment presented within the interactive user interface;

present, via the interactive user interface on the display, subsequent to receiving the selection, a set of contacts stored in the memory;

receive, via a second electronic selection caused by a second physical input received by the at least one input device and received by the interactive user interface, a selection of at least one promisor from the set of contacts;

transmit, from the mobile device, a first request for an electronic security/transaction token to a remote information processing system operatively coupled with a procurement management system, the first request comprising an identifier of the selected at least one of a good, a service, and a payment, and an identifier associated with a user of the mobile device;

obtain, at the mobile device, the electronic security/transaction token from the remote information processing system, the electronic security/transaction token being associated with the first request and comprising at least an identifier associated with a user of the mobile device and an identifier associated with the selected at least one of the good, the service, and the payment;

encrypt, at the mobile device, the electronic security/transaction token;

cause the wireless communication subsystem to generate a wireless message, wherein generating the wireless message comprises packaging at least the encrypted electronic security/transaction token and an identifier associated with the at least one promisor into the wireless message; and

cause the wireless communication subsystem to transmit the wireless message comprising a second request to a second mobile device associated with the at least one promisor to request the promisor to pay for the selected at least one of a good, a service, and a payment, on behalf of the user of the mobile device that made the selection as the third-party beneficiary, the encrypted electronic security/transaction token being used by the second mobile device associated with the at least one promisor to transmit a message along with the encrypted electronic security/transaction token to the remote information processing system operatively coupled with the procurement management system, to one of securely deny the second request to pay, securely satisfy the second request, or securely partially satisfy the second request, by the procurement management system matching information contained in the encrypted electronic security/transaction token from the second request to information contained in the electronic security/transaction token associated with the first request.

2. The mobile device of claim 1 , wherein the processor is further configured to:

present, via the interactive user interface on the display, prior to receiving the selection, an electronic catalog comprising at least one of a good and a service.

3. The mobile device of claim 2 , wherein operations to present the electronic catalog further comprises:

identifying items of interest within the electronic catalog requested based on at least one of:

an audio clip;

a photo; and

a barcode.

4. The mobile device of claim 1 , wherein the wireless message further comprises:

a selectable uniform resource locator (URL) associated with the at least one of the good, the service, and the payment that has been selected.

5. The mobile device of claim 1 , wherein the wireless message is one of:

a peer-to-peer (P2P) message;

an e-mail message;

a short message service (SMS) message;

a multimedia messaging service (MMS) message; and

a social network message.

6. The mobile device of claim 1 , wherein operations to present the set of contacts further comprises:

determining a type of the wireless message that is to be generated subsequent to receiving the selection; and

selecting the set of contacts from another set of contacts associated with the type of the wireless message.

7. The mobile device of claim 1 , wherein operations to present the set of contacts further comprises:

selecting the set of contacts based on a relationship of each contact in the set of contacts.

8. The mobile device of claim 1 , wherein the processor is further configured to cause the wireless communication subsystem to:

receive, in response to transmitting the wireless message, the at least one of the good, the service, and the payment.

9. The mobile device of claim 1 , wherein the at least one of the good, the service, and the payment is one of:

an application;

a multimedia file; and

a replenishment of a stored-value account.

10. The mobile device of claim 9 , wherein the stored-value account is for a wireless service provider.

11. The mobile device of claim 1 , wherein obtaining the security token further comprises:

wirelessly transmit, prior to generating the wireless message, an electronic request for the security token to a system managing a procurement of the at least one of the good, the service, and the payment, the request comprising an identifier associated with the at least one of the good, the service, and the payment.

12. A non-transitory computer-readable medium including instructions that, when executed by a processor of a mobile device, cause the mobile device to perform operations comprising:

dynamically presenting a third-party beneficiary option within the interactive user interface, the third-party beneficiary option being selectable by user input received at the interactive user interface, the selection of the third-party beneficiary option indicating to the processor that a promisor is to pay for the at least one of a good, a service, and a payment on behalf of a user of the mobile device as a third-party beneficiary, and wherein the third-party beneficiary option presented within the interactive user interface is not associated with a specific promisor;

receiving, via a first electronic selection correlated to a first physical input received by at least one input device and received by an interactive user interface presented on a display of the mobile device, a selection of the third-party beneficiary option;

presenting, via the interactive user interface on the display, in response to receiving the selection of third-party beneficiary option, a set of contacts stored in a memory of the mobile device;

receiving, via a second electronic selection correlated to a second physical input received by the at least one input device and received by the interactive user interface, a selection of at least one promisor from the set of contacts;

transmitting, from the mobile device, a first request for an electronic security/transaction token to a remote information processing system operatively coupled with a procurement management system, the first request comprising an identifier of the selected at least one of a good, a service, and a payment, and an identifier associated with the user of the mobile device;

obtaining, at the mobile device, the electronic security/transaction token from the remote information processing system, the electronic security/transaction token being associated with the first request and comprising at least an identifier associated with the user of the mobile device and an identifier associated with the selected at least one of the good, the service, and the payment;

encrypting, at the mobile device, the electronic security/transaction token;

causing a wireless communication subsystem of the mobile device to generate a wireless message, wherein generating the wireless message comprises packaging at least the encrypted electronic security/transaction token and an identifier associated with the at least one promisor into the wireless message; and

causing the wireless communication subsystem to transmit the wireless message comprising a second request to a second mobile device associated with the at least one promisor to request the promisor to pay for the selected at least one of a good, a service, and a payment, on behalf of the user of the mobile device that made the selection as the third-party beneficiary, the encrypted electronic security/transaction token being used by the second mobile device associated with the promisor to transmit a message along with the encrypted electronic security/transaction token to the remote information processing system operatively coupled with the procurement management system, to one of securely deny the second request to pay, securely satisfy the second request, or securely partially satisfy the second request, by the procurement management system matching information contained in the encrypted electronic security/transaction token from the second request to information contained in the electronic security/transaction token associated with the first request.

13. The non-transitory computer-readable medium of claim 12 , wherein obtaining the security token further comprises:

wirelessly transmitting, prior to generating the wireless message, an electronic request for the security token to a system managing a procurement of the at least one of the good, the service, and the payment, the request comprising an identifier associated with the at least one of the good, the service, and the payment.

Assignments (8)