SYSTEM AND METHOD FOR GENERATING A PERSONALISED MMS MESSAGE HAVING A REDEEMABLE COMPONENT

1 . A method for generating a personalised MMS message having a redeemable component, the method comprising:

receiving, at a server from a first computing device, a selection of an MMS message product;

receiving, at the server from the first computing device, a recipient contact identifier identifying a recipient mobile number;

performing, via the server, a security verification of a recipient or sender based on the recipient mobile number or one or more details of the sender received from the first computing device;

where the security verification is successful, generating, via the server, based on the selection of the MMS message product, a personalised MMS message having a redeemable component and a personalised image uniquely rendered for the recipient; and

transmitting, the personalised MMS message to a recipient mobile computing device via a multimedia message service using the recipient mobile number;

whereby the personalised MMS message is scannable or otherwise immediately redeemable from the recipient mobile computing device to pay for one or more products and/or services.

2 . The method of claim 1 , wherein the recipient contact identifier identifies a Mobile Station International Subscriber Directory Number (MSISDN).

3 . The method of claim 1 , wherein the personalised MMS message having a redeemable component comprises a digital gift card, voucher, coupon, or advertisement.

4 . The method of claim 1 , wherein the redeemable component of the personalised MMS message comprises a unique code that is scannable from the recipient mobile computing device to pay for one or more products and/or services.

5 . The method of claim 4 , wherein the unique code is a barcode or a quick response code.

6 . The method of claim 1 , wherein no authentication of the recipient mobile computing device is required to redeem the personalised MMS message.

7 . The method of claim 1 , wherein no authentication of the recipient is required to redeem the personalised MMS message.

8 . The method of claim 1 , wherein the personalised MMS message comprises a picture or video that is personalised for the recipient.

9 . The method of claim 1 , wherein a personalised component of the personalised MMS message comprises the recipient's name.

10 . The method of claim 1 , wherein the personalised MMS message having a redeemable component is immediately redeemable by clicking on a Uniform Resource Locator (URL) link displayed on the MMS message.

11 . The method of claim 1 , wherein the personalised MMS message includes animated graphics such as an animated GIF file.

12 . The method of claim 1 , wherein the recipient contact identifier comprises a recipient MSISDN.

13 . The method of claim 1 , wherein the recipient contact identifier identifies a contact for which an associated MSISDN is stored on the server.

14 . The method of claim 1 , wherein performing the security verification comprises:

determining a fraud risk profile score for each of the MSISDN or one or more of the details of the sender.

15 . The method of claim 1 , wherein the one or more details of the sender comprise one or more of the following: a sender MSISDN; a sender email address; and sender payment details.

16 . The method of claim 1 , wherein determining the fraud risk profile score comprises one or more of the following:

comparing the sender MSISDN with one or more records of MSISDNs used in relation to fraud or associated with poor credit ratings;

comparing the sender email address with one or more records of email addresses used in relation to fraud and/or associated with poor credit ratings;

comparing an internet protocol (IP) address of the first computing device with a source IP address of packets received at the server from the first computing device;

comparing the sender payment details with one or more records of payment details used in relation to fraud or associated with poor credit ratings; and

transmitting a request to a financial institution system to check whether the payment details are valid.

17 . The method of claim 1 , further comprising receiving, at the server, a date or time at which to transmit the personalised MMS message to the recipient mobile computing device.

18 . The method of claim 17 , further comprising scheduling the generation and transmission of the personalised MMS message for the date or time.

19 . The method of claim 1 , wherein the personalised MMS message is uniquely trackable based on: a) the code presented; b) the number the MMS message is sent to; and c) unique attributes of the uniquely rendered personalised image.

20 . A computer readable medium storing computer readable code components that when selectively executed by a processor cause the following:

receiving, at a server from a first computing device, a selection of an MMS message product;

receiving, at the server from the first computing device, a recipient contact identifier identifying a recipient mobile number;

performing, via the server, a security verification of a recipient or sender based on the recipient mobile number or one or more details of the sender received from the first computing device;

where the security verification is successful, generating, via the server, based on the selection of the MMS message product, a personalised MMS message having a redeemable component and a personalised image uniquely rendered for the recipient ; and

transmitting, the personalised MMS message to a recipient mobile computing device via a multimedia message service (MMS) using the recipient mobile number;

whereby the personalised MMS message is scannable or otherwise immediately redeemable from the recipient mobile computing device to pay for one or more products and/or services.

21 . A server for generating a personalised MMS message having a redeemable component, the server comprising:

a processor configured to:

receive, from a first computing device, a selection of an MMS message product;

receive, from the first computing device, a recipient contact identifier identifying a recipient mobile number;

perform a security verification of a recipient or sender based on the recipient mobile number or one or more details of the sender received from the first computing device; and

where the security verification is successful, generate, based on the selection of the MMS message product, a personalised MMS message having a redeemable component and a personalised image uniquely rendered for the recipient; and

initiate transmission of the personalised MMS message to a recipient mobile computing device via a multimedia message service using the recipient mobile number; and

memory configured to store computer readable code components that are executable by the processor;

whereby the personalised MMS message is scannable or otherwise immediately redeemable from the recipient mobile computing device to pay for one or more products and/or services.