Method and system for data management in electronic payments transactions
US7024174B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jul 22, 2002 |
| Grant date | Apr 4, 2006 |
| Priority date | — |
| Expiry date | Jun 11, 2023 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04M2215/7245
- WIPO fieldTelecommunications
- WIPO sectorElectrical engineering
Abstract
A method and system for prepaying wireless telecommunications charges utilizes computer hardware and software including, for example, a user's mobile phone, a mobile operator's interactive voice response unit, a mobile payments interactive voice response unit, SMS, test messaging, email, ATM, kiosk, the Internet, and/or WAP or the like, a mobile payments engine, a mobile operator's prepaid billing system, a subscriber database, a payment gateway, and a transaction processing platform. The mobile payments engine receives information identifying a user's wireless telecommunication device via the mobile payments interactive voice response unit, passes the information to the mobile operator's billing system with a request for validation of a mobile account for the user, and if validation is received, the mobile payments engine receives financial source account and user identity verification information from the user, assigns a mobile personal identification number for the user, and arranges a credit from the source account to the user's mobile account.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.