Managing recurring payments from mobile terminals
View Patent ↗Equipment and methods for facilitating service provisioning in a system that include a payment processor, a number of service providers and a mediator that mediates information exchange between the payment processor and service providers, and a mobile terminal operated by payment card holder. In some disclosed embodiments, service provisioning can be facilitated in cases where the payment processor must reside in a strictly regulated Payment Card Industry (PCI) compliant environment and the service providers operate servers that are not PCI-compliant.
1. A method comprising performing following acts at a mediator server configured to manage transactions, which relate to one or more services provided by one or more service providers and are payable by one or more payment cards:
receiving, from a payment processor computer, a token that identifies a specific one of the one or more service providers, wherein the token fails to globally identify the specific payment card but identifies the specific payment card within payment cards issued to a holder of the specific payment card;
receiving, from the specific service provider, a proposal for a service that incurs recurring payments payable by one or more payment cards;
sending a notification to a mobile terminal operated by the holder of the specific payment card, wherein the notification identifies the proposal for the service that incurs recurring payments, wherein the notification further identifies the specific payment card within payment cards issued to the holder of the specific payment card;
receiving, from the mobile terminal operated by the holder of the specific payment card, an acceptance notification indicating that the holder of the specific payment card has used the mobile terminal via a mobile network to authorize recurring payments to the specific service provider;
notifying the service provider and the payment processor computer of the acceptance notification;
wherein the mediator server uses a multi-dimensional data structure to manage service offerings from multiple service providers to each of one or more mobile terminals, and wherein the mediator server identifies the service offerings from multiple service providers by varying a reply address for sending the notification.
2. The method of claim 1 , wherein the one or more service providers comprise a first service provider and a second service provider, the method further comprising following acts at the mediator server:
sending a request to the mobile terminal operated by the holder of the specific payment card, the request requesting permission to authorize second recurring payments to the second service provider, the second recurring payments payable by a second payment card of the one or more payment cards, wherein an association exists between services of the first service provider and services of the second service provider, and wherein the first and second payment cards may be the same payment card or separate payment cards;
receiving confirmation from the mobile terminal operated by the holder of the payment cards that the second service provider may propose services to the holder of the payment cards;
relaying the confirmation to a payment processor computer;
receiving from the payment processor computer a second token and storing the second token, wherein the second token identifies the second service provider, wherein the second token fails to globally identify the second payment card but identifies the second payment card within payment cards issued to a holder of the payment cards.
3. The method of claim 1 , wherein the mediator server authenticates the mobile terminal operated by the holder of the specific payment card by using a non-predictable reply address for sending the notification.
4. A method comprising performing following acts at a mediator server configured to manage transactions, which relate to one or more services provided by one or more service providers and are payable by one or more payment cards:
receiving, from a payment processor computer, a token that identifies a specific one of the one or more service providers, wherein the token fails to globally identify the specific payment card but identifies the specific payment card within payment cards issued to a holder of the specific payment card;
receiving, from the specific service provider, a proposal for a service that incurs recurring payments payable by one or more payment cards;
sending a notification to a mobile terminal operated by the holder of the specific payment card, wherein the notification identifies the proposal for the service that incurs recurring payments, wherein the notification further identifies the specific payment card within payment cards issued to the holder of the specific payment card;
receiving, from the mobile terminal operated by the holder of the specific payment card, an acceptance notification indicating that the holder of the specific payment card has used the mobile terminal via a mobile network to authorize recurring payments to the specific service provider;
notifying the service provider and the payment processor computer of the acceptance notification,
wherein the mediator server uses a multi-dimensional data structure to manage multiple phases of at least one service offering from at least one service providers to at least one mobile terminals, and wherein the mediator server identifies the multiple phases by varying a reply address for sending the notification.
5. The method of claim 4 , wherein the one or more service providers comprise a first service provider and a second service provider, the method further comprising following acts at the mediator server:
sending a request to the mobile terminal operated by the holder of the specific payment card, the request requesting permission to authorize second recurring payments to the second service provider, the second recurring payments payable by a second payment card of the one or more payment cards, wherein an association exists between services of the first service provider and services of the second service provider, and wherein the first and second payment cards may be the same payment card or separate payment cards;
receiving confirmation from the mobile terminal operated by the holder of the payment cards that the second service provider may propose services to the holder of the payment cards;
relaying the confirmation to a payment processor computer;
receiving from the payment processor computer a second token and storing the second token, wherein the second token identifies the second service provider, wherein the second token fails to globally identify the second payment card but identifies the second payment card within payment cards issued to a holder of the payment cards.
6. The method of claim 4 , wherein the mediator server authenticates the mobile terminal operated by the holder of the specific payment card by using a non-predictable reply address for sending the notification.
7. A mediator server configured to manage transactions, which relate to one or more services provided by one or more service providers and are payable by one or more payment cards, the mediator server comprising:
means for receiving, from a payment processor computer, a token that identifies a specific one of the one or more service providers, wherein the token fails to globally identify the specific payment card but identifies the specific payment card within payment cards issued to a holder of the specific payment card;
means for receiving, from the specific service provider, a proposal for a service that incurs recurring payments payable by one or more payment cards;
means for sending a notification to a mobile terminal operated by the holder of the specific payment card, wherein the notification identifies the proposal for the service that incurs recurring payments, wherein the notification further identifies the specific payment card within payment cards issued to the holder of the specific payment card;
means for receiving, from the mobile terminal operated by the holder of the specific payment card, an acceptance notification indicating that the holder of the specific payment card has used the mobile terminal via a mobile network to authorize recurring payments to the specific service provider;
means for notifying the service provider and the payment processor computer of the acceptance notification,
wherein the mediator server is configured to use a multi-dimensional data structure to manage service offerings from multiple service providers to each of one or more mobile terminals, and wherein the mediator server identifies the service offerings from multiple service providers by varying a reply address for sending the notification.
8. The mediator server of claim 7 , wherein the mediator server is configured to authenticate the mobile terminal operated by the holder of the specific payment card by using a non-predictable reply address for sending the notification.
9. A mediator server configured to manage transactions, which relate to one or more services provided by one or more service providers and are payable by one or more payment cards, the mediator server comprising:
means for receiving, from a payment processor computer, a token that identifies a specific one of the one or more service providers, wherein the token fails to globally identify the specific payment card but identifies the specific payment card within payment cards issued to a holder of the specific payment card;
means for receiving, from the specific service provider, a proposal for a service that incurs recurring payments payable by one or more payment cards;
means for sending a notification to a mobile terminal operated by the holder of the specific payment card, wherein the notification identifies the proposal for the service that incurs recurring payments, wherein the notification further identifies the specific payment card within payment cards issued to the holder of the specific payment card;
means for receiving, from the mobile terminal operated by the holder of the specific payment card, an acceptance notification indicating that the holder of the specific payment card has used the mobile terminal via a mobile network to authorize recurring payments to the specific service provider;
means for notifying the service provider and the payment processor computer of the acceptance notification,
wherein the mediator server is configured to use a multi-dimensional data structure to manage multiple phases of at least one service offering from at least one service providers to at least one mobile terminal, and wherein the mediator server identifies the multiple phases by varying a reply address for sending the notification.
10. The mediator server of claim 9 , wherein the mediator server is configured to authenticate the mobile terminal operated by the holder of the specific payment card by using a non-predictable reply address for sending the notification.