Telephone call purchase with payment using mobile payment device
A mobile payment method includes making a mobile payment request an automated response system of a merchant store for a purchase. A mobile number of a mobile device is provided to the automated response system. Payment information including the mobile number and a payment amount is sent from the automated response system to the mobile payment server. A Uniform Resource Locator (URL) link is created by the mobile payment server and contains transaction information. The URL link is sent to the mobile device where a customer selects the URL link to set up a Hypertext Transfer Protocol Secure (HTTPS) session. A program script is downloaded. A payment transaction is confirmed by the mobile device which generates and sends encrypted payment data to a payment network through the mobile payment server.
1. A mobile payment method comprising the steps of:
making a mobile payment request by a customer to an automated response system of a merchant store for a purchase;
providing, by the customer, a mobile number of a mobile device, having mobile payment capability, to the automated response system;
establishing communication, by the automated response system, to a mobile payment server coupled to a payment network;
sending payment information including the mobile number and a payment amount from the automated response system to the mobile payment server;
creating a Uniform Resource Locator (URL) link by the mobile payment server, the URL link containing transaction information including information required by a mobile wallet Application Programming Interface (API) used in the transaction;
sending the URL link, by the mobile payment server, to the mobile device;
displaying the URL link by the mobile device;
selecting the URL link by the customer to set up a Hypertext Transfer Protocol Secure (HTTPS) session between the mobile device and the mobile payment server;
downloading a program script and a validation token by the mobile device in the HTTPS session from the mobile payment server;
using the program script to retrieve
the payment related information embedded in the URL link;
using the retrieved payment related information from the URL link with a mobile payment core of the mobile device to generate encrypted payment data; and
sending the encrypted payment data to the payment network through the mobile payment server.
2. The mobile payment method as claimed in claim 1 wherein the step of making a mobile payment request by a customer to an automated response system includes the automated response system being one of an interactive voice response system and a Chatbot system.
3. The mobile payment method as claimed in claim 1 wherein the step of sending the URL link includes using one of a Short Message Service (SMS) using the mobile number and a Multimedia Message Service (MMS) using the mobile number.
4. The mobile payment method as claimed in claim 1 wherein the transaction information includes a transaction identity, a transaction amount, a currency code, a merchant identity, supported networks and a message signature.
5. The mobile payment method as claimed in claim 1 wherein the step of making a mobile payment request by a customer to an automated response system of a merchant store for a purchase includes the step of using one of a customer phone device and the mobile device.