EP1938571A2 - Procédés et systèmes de conduite de transactions financières dans un environnement mobile - Google Patents

Procédés et systèmes de conduite de transactions financières dans un environnement mobile

Info

Publication number
EP1938571A2
EP1938571A2 EP06774549A EP06774549A EP1938571A2 EP 1938571 A2 EP1938571 A2 EP 1938571A2 EP 06774549 A EP06774549 A EP 06774549A EP 06774549 A EP06774549 A EP 06774549A EP 1938571 A2 EP1938571 A2 EP 1938571A2
Authority
EP
European Patent Office
Prior art keywords
payment
information
user
mfts
mobile device
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP06774549A
Other languages
German (de)
English (en)
Other versions
EP1938571A4 (fr
Inventor
Brady Lee Rackley
Warren Derek Porter
Gregory Michael Rickman
Kyle Leighton Cochran
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Qualcomm Inc
Original Assignee
Firethorn Holdings LLC
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=38895043&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=EP1938571(A2) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Priority to EP08103106A priority Critical patent/EP1978478A3/fr
Priority to EP08103098A priority patent/EP1980987A3/fr
Priority to EP08103086A priority patent/EP1956543A3/fr
Priority to EP08103081A priority patent/EP1978477A3/fr
Priority to EP08103090A priority patent/EP1980985A3/fr
Application filed by Firethorn Holdings LLC filed Critical Firethorn Holdings LLC
Priority to EP08103102A priority patent/EP1980988A3/fr
Priority to EP08103078A priority patent/EP1980984A3/fr
Priority to EP08103115A priority patent/EP1965343A3/fr
Priority to EP08103091A priority patent/EP1980986A3/fr
Publication of EP1938571A2 publication Critical patent/EP1938571A2/fr
Publication of EP1938571A4 publication Critical patent/EP1938571A4/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L12/00—Data switching networks
    • H04L12/02—Details
    • H04L12/14—Charging, metering or billing arrangements for data wireline or wireless communications
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3267—In-app payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3552—Downloading or loading of personalisation data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Definitions

  • the present invention relates generally to financial transactions, and more particularly relates to methods and systems for conducting financial transactions in a mobile environment using a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA).
  • a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA).
  • PDA personal digital assistant
  • PDA personal digital assistants
  • cell phones mobile telephones
  • PDA's personal digital assistants
  • One particular demand of mobile consumers is better capability to securely manage one's financial situation, such as balances in bank accounts, credit cards, other sources of funds, etc., and quickly but efficiently fulfill financial obligations such as paying bills, transferring funds to third parties and family members, etc.
  • PC personal computer
  • APPLE iPODTM personal video players
  • Such electronic devices are converging as to functionality, but the average mobile society consumer still tends to carry too many other personal possessions, such as a wallet, checkbook, multiple credit cards, debit cards, membership cards, loyalty (points) cards, keys, etc. Further consolidation and convergence of electronic and mobile communication devices is expected in the future to alleviate some of the personal possession clutter, but the present-day communication and financial services infrastructure is still lacking in the need for effective conduct of mobile financial transactions and reduction of personal possession clutter.
  • a person's financial payment obligations arise from many sources - paying bills and mortgages, sending money, checking out purchases at a retail establishment point of sale (POS), etc. Such obligations can involve dozens (or more) of different entities. Different entities may require different payment forms.
  • a mobile financial transaction system that is attractive to mobile consumers would provide for aggregation and consolidation of payment obligations, and allow a choice of payment vehicles such as checks, direct funds transfer, use of a credit card account, etc.
  • Stored value (SV) cards are an increasingly popular payment option in some communities, especially the so-called "unbanked" (i.e. people who may not have an established bank account and tend to conduct business in cash).
  • a person may have multiple sources of payments and funds - credit cards, bank accounts with savings and checking features, debit cards, etc. People often have preferences as to which source of funds should be used to pay certain payment obligations.
  • a bank account may be desired for some payments, while a credit card may be desired for other transactions, for many reasons such as participation in loyalty programs such as "frequent user" programs.
  • a consumer Before using a particular source of funds for a payment, a consumer often needs or wants to have information about available funds balance or credit balance.
  • Some form of account balance inquiry, or perhaps real time balance information updating, from a mobile device is desirable. In addition to balance information, the ability to invoke other financial institution operations while mobile is desirable.
  • Such other operations include funds transfer between accounts, selection of different payment sources or accounts from a particular financial institution, remittance and payment, inquiry and payment of loans, and the like, at any time and anywhere, without requiring an appearance at a banking facility in person or at a PC terminal with internet connectivity.
  • Some online financial service providers offer a service known as “bill aggregation” or “bill presentment,” whereby multiple payment obligations are collected into a centralized computer facility and provided to the consumer as a list.
  • bill aggregation or “bill presentment”
  • U.S. Pat. No. 6,289,322 to Kitchen et al. describes a method of electronically presenting billing information, which can be used in connection with "online bill payment.” This method includes receiving billing information associated with a plurality of different billers, different portions of which represent bills for different people (as payers). Billing information is consolidated for each registered user or payer. Individual customers can go to an Internet web site to register an account, add information about billers, add information about financial institutions, and pay bills online.
  • U.S. Pat. No. 6,289,322 patent is intended for users with a PC and Internet access and has several shortcomings for use in a mobile environment.
  • One particular shortcoming is that a web-based user interface actually provides too much information about the user's accounts and bill detail, and is difficult to view and navigate on a small mobile device.
  • Another shortcoming is the lack of integration of online bill payment with the use of multiple and conveniently selectable different payment sources.
  • U.S. Published Pat. App. No. 20050086164 to Kim et al. describes a method for utilizing a mobile phone to pay a charge of goods or services rendered through approval of a mobile phone network.
  • a buyer uses his or her mobile phone to connect to a payment transaction server.
  • a buyer and "merchant store" identification code (for each) and a bill for the goods or services is transmitted to the payment transaction server.
  • the payment transaction server examines the data received from the mobile phone and determines the approval of the transaction based on a balance corresponding to the buyer identification code.
  • an approval notification is sent to a terminal at the merchant store. After the confirmation from the approval notification at the merchant store, the buyer receives the goods or services.
  • a system as described in the Kim et al. publication depends on having a pre- established balance in a prepaid account established by the buyer with the mobile phone networks. Furthermore, the method involves delivering voice prompts to the user via the mobile phone and receiving the user's selection of options by activation of keys on the mobile phone keypad. While such a device and system is certainly one way that financial transactions can be conducted using a mobile phone, the well- known method of voice prompts for keypad data entry is slow and awkward, and is a known source of consumer frustration. Furthermore, modern mobile devices are more than just a telephone ⁇ many such devices now include displays, controls, and keypads, and provide more ways for wireless interaction than voice messages and prompts.
  • Mobile communication devices and systems have now progressed beyond the limitations of voice prompts and telephone keypad data entry and option selection.
  • the first generation (IG) of mobile telephone systems was limited to analog radio voice transmission, and has been surpassed by second generation (2G) systems that provide digital signal transmission features and enable greater functionality.
  • Present mobile device communication systems (beyond 2G) are now all digital and utilize data communication channels for carrying voice signals as well as other data signals.
  • Features enabled by the digital data communications include Short Message System (SMS) message for text messaging, ringtone downloads, and other features.
  • SMS Short Message System
  • Consumer-oriented mobile communication systems are now progressing beyond advanced second generation (2.5G) technologies into third generation (3G) technologies that provide high speed broadband data connectivity for mobile devices.
  • New 3 G systems and devices permit capabilities such as full Internet usage on mobile devices, SMS messaging capability, person-to-person direct calling, direct download of content such as ringtones, music, and videos, and many other features.
  • POS point of sale
  • Payment anyone at any time, in any of a number of different ways. They must be provided with the information they need to conduct a transaction — and only such information as is necessary - and this information must be current.
  • financial institutions require strong security, which includes authentication, for transactions initiated in a mobile environment. There must be an opportunity for revenue opportunities as well as user retention. There must be opportunity to lower the expense of customer service by use of automation. For retailers and entities that send bills, there must be rapid payment. Any POS transactions must clear quickly. Charges based on credit cards and debit cards must be authenticated and clear quickly - fraud prevention and reduction is paramount both for financial institutions as well as billing entities and other payees. Facilitation of, or at least compatibility with, customer loyalty programs is highly desirable.
  • the present inventors have constructed various systems and methods for completing financial transactions in a mobile environment that meet these and other requirements for an efficient, effective, robust, secure and convenient solution.
  • the present invention relates to methods and systems for conducting financial transactions in a mobile environment utilizing a mobile device such as a mobile telephone or wireless connected personal digital assistant that communicates with a mobile financial transaction system that stores user information and transaction information.
  • a mobile device such as a mobile telephone or wireless connected personal digital assistant that communicates with a mobile financial transaction system that stores user information and transaction information.
  • the present invention relates to methods and systems for payment transactions in a mobile environment.
  • aspects of the invention are embodied in mobile devices, in software for mobile devices (e.g. in the form of computer-implemented methods), in a mobile financial transaction system (MFTS), in software for mobile financial transaction systems (e.g. in the form of computer-implemented methods), in systems that combine aspects of mobile devices and mobile financial transaction systems, and in software for such systems (e.g. in the form of software for mobile devices and related systems that effect computer-implemented methods).
  • MFTS mobile financial transaction system
  • software for mobile financial transaction systems e.g. in the form of computer-implemented methods
  • systems that combine aspects of mobile devices and mobile financial transaction systems e.g. in the form of software for mobile devices and related systems that effect computer-implemented methods.
  • the present invention relates to a method for making a mobile financial payment using a mobile device connected for communications with a wireless network.
  • the method comprises the steps of: (i) providing a mobile financial transaction system (MFTS). (ii) receiving payment to make information at the MFTS corresponding to a payment to be made by the user to a payee; (iii) generating summarized payment to make information at the MFTS based on the payment to make information; (iv) wirelessly communicating the summarized payment to make information from the MFTS to the user mobile device via the MCSP; and (v) displaying information corresponding to one or more selectable payments to make at the user mobile device.
  • selectable payments to make includes the summarized payment to make information associated with a payee.
  • the method further comprises the step of: (vi) at the user mobile device, receiving user input corresponding to selection of a payment to make and selection of a payment source for making a payment; (vii) at the user mobile device in response to the user input, generating a mobile payment instruction comprising information corresponding to a selected payment to make and a selected payment source for making a payment corresponding to the selected payment to make; and (viii) wirelessly communicating the mobile payment instruction from the user mobile device to the MFTS.
  • the method further comprises steps of: (ix) at the MFTS and in response to receipt of the mobile payment instruction, retrieving information from the MFTS database corresponding to an identified payee for receiving the payment indicated by the mobile payment instruction and information corresponding to the selected account at the selected financial service provider identified in the mobile payment instruction.
  • the method further comprises the steps of: (x) at the MFTS, generating a MFTS payment instruction to a payment instruction recipient; and (xi) communicating the MFTS payment instruction from the MFTS to the selected payment instruction recipient.
  • the payment instruction recipient in response to receipt of the MFTS payment instruction, effects a payment to the identified payee.
  • the MFTS is coupled for wireless communications with a mobile device of a user using a mobile communication service provider (MCSP).
  • the MFTS is also coupled for electronic communications with one or more payment instruction recipients that can make a payment to a payee on behalf of the user.
  • the MFTS includes a MFTS database for storing user information, payment to make information associated with the one or more payment instruction recipients and/or payees, and payment source information associated with at least one account associated with at least one financial service provider.
  • the payment to make information comprises a bill, and the payee is a billing entity.
  • the payment instruction recipient is one of a financial service provider, a billing aggregator, or a separate billing entity.
  • a Mobile Wallet application is a mobile device application that provides functionality for viewing and selecting bills to be paid or other payments to make, viewing and selecting payment sources for making such payments, viewing balances, etc.
  • the Mobile Wallet application provides a display on the mobile device of selectable commands including one or more of a View Bills command, a View Payment Sources command, a Pay Bill(s) command, and a Pay anyone command.
  • a View Bills command provides the user with a means for viewing and/or selection of a payment to make.
  • the View Bills selectable command causes the MFTS to retrieve bill information from a bill presentment system and communicate summarized bill information to the mobile device upon receipt of such information from the bill presentment system.
  • a View Payment Sources command provides a user with a means for viewing and/or selection of a payment source for making a payment.
  • the selection of a payment source for making a payment includes selection of a financial service provider and selection of a particular account associated with the selected financial service provider for making the payment.
  • the View Payment Sources command also causes the MFTS to retrieve current account information from one or more financial service providers and communicate the current account information to the mobile device upon receipt of such information from the one or more financial service providers.
  • a Pay Bill(s) command provides the user with a means for paying a bill or other payment to another entity to whom the user has a financial obligation, such as a mortgage payment.
  • a Pay anyone command provides a user of a mobile device with a means for making a payment to any person, irrespective of a prior bill or other information provided to the MFTS, for example by inputting a payee's name and/or a payee's mobile number.
  • payment to make information is provided to the MFTS by an external source.
  • the external source can be one or more of a bill presentment system that provides bill information from a plurality of billing entities, or an individual billing entity.
  • the information may be input by the user via an Internet-accessible web site accessible by the user or via the mobile device for input of payment to make information and payee information.
  • the payment to make information comprises information corresponding to one or more of the following: a recurring bill, a bill from a billing aggregator, a bill from an individual billing company, and/or a "pay anyone" payment.
  • information corresponding to one or more payments to make displayed at the user mobile device is provided in response to user activation of a "View Bills" function.
  • Such information display is in response to a text message from the MFTS received at the mobile device.
  • Such information display includes summarized bill information provided from the MFTS.
  • the summarized payment to make information includes a predetermined selected subset of the payment to make information.
  • the MFTS payment instruction includes information identifying a selected account at a selected financial service provider, an amount, and information corresponding to an identified payee.
  • the identified payee may be a billing entity that communicated bill information to the MFTS, or another entity to whom a payment may be made.
  • the summarized payment to make information communicated to the mobile device consists of a payee identifier, an amount, and a due date, so that only minimal information is transmitted from the MFTS to the mobile device.
  • the mobile device utilizes the payee identifier in the summarized payment to make information and retrieves payee name information from a mobile device local memory corresponding to an identified payee and displays the payee name information to the user.
  • the MFTS database also stores transaction information corresponding to a user's financial transactions.
  • the transaction information includes the payment to make information in addition to other information utilized to track status of the payment to make, together with one or more of the following items of information: a user ID number, a transaction identifier, a bill received date, a bill due date, an amount, a financial service provider identifier, an account identifier, a payee identifier, and/or a pending/complete flag.
  • the method further comprises the step of communicating a payment confirmation message from a payment instruction recipient to the MFTS in response to completion of a predetermined stage in making the payment. In another embodiment, the method further comprises the step of communicating a payment confirmation message to the mobile device in response to receipt of the payment confirmation message from the payment instruction recipient.
  • Another aspect of the invention relates to selection of a payment method for effecting a payment.
  • the method further comprises the steps of receiving user input corresponding to selection of a payment method for making a payment at the user mobile device, and includes information in the mobile payment instruction corresponding to the selected method for making the payment at the user mobile device in response to the user input.
  • the selectable payment methods include a recipient-defined method wherein the recipient determines the manner of receiving the payment, an ACH funds transfer, a paper check, and a stored value (SV) card.
  • the MFTS is further coupled for electronic communications with a user's computer via a data communications network such as the Internet.
  • a method according this aspect comprises the steps of: (i) providing a web application in association with the MFTS, (ii) receiving user information via the web application corresponding to financial service providers, accounts at financial service providers, and payees, and (iii) storing the user information input via the web application in the MFTS database for use in connection with payments initiated via the user mobile device.
  • the method further comprises the steps of retrieving and displaying transaction information corresponding to transactions conducted via the user mobile device, via the web application, to a user via user's computer.
  • a mobile financial payment can include a balance transfer from one account associated with a user to another account associated with the same user.
  • a method comprises the steps of: (i) storing a cached account balance in the mobile device representative of the balance at least one account of the user as of a particular date, (ii) communicating with the financial service provider to obtain updated account balance information for the account, (iii) wirelessly communicating updated account balance information from the MFTS to the user mobile device, and (iv) in response to receipt of updated account balance information from the MFTS, displaying updated account balance information corresponding to the account to the user via the mobile device.
  • the present invention relates to a system for making a mobile financial payment using a mobile device connected for communications with a wireless network.
  • present invention relates to a method for making a mobile financial payment using a mobile device connected for communications with a wireless network.
  • the present invention relates to a mobile device for making a mobile financial payment via a wireless network.
  • the present invention relates to a computer- implemented method for a mobile financial transaction system (MFTS) to facilitate a mobile financial payment initiated by a mobile device connected for communications with a wireless network.
  • MFTS mobile financial transaction system
  • the present invention relates to a mobile financial transaction system (MFTS) for facilitating a mobile financial payment initiated by a user mobile device connected for communications with a wireless network.
  • MFTS mobile financial transaction system
  • the present invention relates to a method for making a financial payment to a payee via a paper check utilizing a mobile device connected for communications via a wireless network.
  • the mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information.
  • MFTS mobile financial transaction system
  • a user enters information via the mobile device identifying a payee and indicating a paper check payment method.
  • the mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a paper check payment method.
  • the mobile payment instruction is wirelessly communicated to the MFTS.
  • the MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a paper check.
  • the MFTS communicates the MFTS payment instruction to the payment instruction recipient, which arranges for payment to the identified payee by printing and mailing of a paper check to the payee.
  • Another aspect of the invention relates to methods and systems for making a financial payment to a payee via a stored value (SV) card utilizing a mobile device.
  • the mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information.
  • MFTS mobile financial transaction system
  • a user enters information via the mobile device identifying a payee and indicating a stored value card payment method.
  • the mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a stored value card payment method.
  • the mobile payment instruction is wirelessly communicated to the MFTS.
  • the MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a new stored value card and/or reload funds onto a pre-existing stored value card.
  • the MFTS communicates the MFTS payment instruction to the payment instruction recipient, which arranges for payment to the identified payee by issuing a new stored value card or reloading funds onto a pre-
  • a mobile financial transaction system is coupled for wireless communications with a mobile device of a user.
  • the MFTS is also coupled for electronic communications with an aggregator that collects information from a plurality of payees with whom a user has a financial relationship.
  • the MFTS receives payment to make information from the aggregator corresponding to a payment to be made by the user to a payee.
  • the MFTS generates summarized payment to make information comprising a predetermined selected subset of the payment to make information received from the aggregator.
  • the MFTS wireless communicates the summarized payment to make information to the user's mobile device.
  • the summarized payment information is then displayed on a user's mobile device.
  • Another aspect of the invention relates to methods and systems for making a financial payment to a payee utilizing a mobile device.
  • the user inputs information into the mobile device identifying a payee, a payment source for the payment, and a payment method.
  • the mobile device generates a mobile payment instruction comprising information corresponding to the identified payee, the payment source, and the payment method, and wirelessly communicates the mobile payment instruction to a mobile financial transaction system (MFTS).
  • the MFTS generates an MFTS payment instruction to a payment instruction recipient.
  • the MFTS payment instruction includes information identifying the payment source, an amount, information corresponding to the identified payee, and information indicating the payment method.
  • the MFTS communicates the MFTS payment instruction to a payment instruction recipient. In response to receipt of the MFTS payment instruction, the payment instruction recipient effects a payment to the identified payee without any required action by the payee.
  • a mobile financial transaction system is coupled for electronic communications with one or more financial service providers with which the user maintains one or more accounts, and also for wireless communications with mobile devices.
  • the mobile device displays information corresponding to accounts available to the user as a payment source for use in connection with making a payment using the mobile device.
  • the user selects a payment source for making a payment.
  • the mobile device generates a mobile payment instruction comprising information corresponding to the payment and a selected payment source.
  • the mobile payment instruction is wirelessly communicated to the MFTS.
  • the MFTS generates an MFTS payment instruction that includes an amount, information corresponding to the identified payee, and information indicating the selected payment source.
  • the MFTS payment instruction is communicated to the payment instruction recipient, which effects the payment utilizing the selected payment source.
  • Another aspect of the invention relates to methods and systems for obtaining real time account balance information for a plurality of financial accounts maintained at one or more financial service providers utilizing a mobile device.
  • a mobile financial transaction system (MFTS) is coupled for wireless communications with a mobile device of a user and is also coupled for electronic communication with one or more financial service providers with which the user maintains one or more accounts.
  • the mobile device stores a cached account balance representative of the balance in each account as of a particular date.
  • the MFTS communicates with financial service providers to obtain updated account balance information for a user's accounts.
  • the updated account balance information is wirelessly communicated to a user's mobile device.
  • the mobile device displays updated account balance information corresponding to the plurality of user accounts.
  • a downloadable mobile device application when installed on a compatible mobile device, is operative for communicating with a mobile financial transaction system (MFTS) that facilitates the making and receiving of payments via wireless mobile devices.
  • the downloadable mobile device application is provided via a download system that downloads the application to mobile devices according to download procedures appropriate for a particular type of mobile device.
  • MFTS mobile financial transaction system
  • system communicates a message to the payee's mobile device that informs that a payment has been made and instructs the payee about the downloadable mobile device application. If the mobile device user/payee downloads and installs the mobile device application on his or her mobile device and provides enrollment information, interaction between the MFTS and the mobile device user/payee is permitted, and payment is provided to the mobile device user as user/payee.
  • a mobile financial transaction system is coupled for wireless communications with a mobile device of a user and is also coupled for electronic communications with one or more payment instruction recipients that can make a payment to a payee in behalf of the user.
  • the mobile device allows for selection of a pre-existing payee or entry of payee information.
  • the user provides input at the mobile device selecting a payee for a payment and a payment source for the payment.
  • a mobile payment instruction comprising information corresponding to the payment to make and a payment source for the payment is wirelessly communicated to the MFTS.
  • the MFTS generates and communicates an MFTS payment instruction to a payment instruction recipient which includes information identifying a selected account at a financial service provider, an amount, and information corresponding to the identified payee.
  • the payment instruction recipient then effects the payment to the identified payee.
  • a mobile financial transaction system is coupled for wireless communications with a mobile device of a user/payee, and also is coupled for electronic communication with a payment instruction recipient that effects payments by various methods.
  • the system provides information corresponding to a received payment to a user/payee's mobile device.
  • Information is displayed to the user/payee corresponding to a plurality of selectable payment methods available for receiving the payment.
  • the user/payee provides input on his/her mobile device corresponding to selection of a payment method for receiving the payment.
  • the mobile device generates a mobile payment instruction indicating the selected payment method and wirelessly communicates the mobile payment instruction to the MFTS.
  • the MFTS generates and communicates an MFTS payment instruction including an amount, the identified payee, and the selected payment method, to a payment instruction recipient.
  • the payment instruction recipient in response to receipt of the MFTS payment instruction, effects a payment to the user/payee utilizing the selected payment method.
  • a system constructed in accordance with aspects of the inventions provides mobile device users with unprecedented convenience and flexibility in monitoring bills to pay and other payments to make, information about current account balances provided in real time, and other improved functionality for mobile device users that have heretofore not been possible at reasonable economic cost and convenience.
  • FIG. 1 is a high level overview of exemplary aspects for a mobile financial transaction system (MFTS) that embodies aspects of the present invention.
  • MFTS mobile financial transaction system
  • FIG. 2 is a more detailed overview of an exemplary mobile financial transaction system (MFTS) according to an exemplary aspect of the invention.
  • MFTS mobile financial transaction system
  • FIG. 3 is a computer software architecture diagram illustrating various computer program modules that provide computer- implemented method steps for a cellphone or mobile device application (FIG. 3A) and computer-implemented method steps for operations of the MFTS system (FIG. 3B), in accordance with exemplary aspects of the invention.
  • FIG. 4 is a flowchart showing the operation of the main program of a mobile financial transaction system (MFTS) constructed according to exemplary aspects of the present invention.
  • MFTS mobile financial transaction system
  • FIG. 5 is a flowchart showing the operation of the main program of a mobile financial transaction system (MFTS) constructed according to exemplary aspects of the present invention.
  • MFTS mobile financial transaction system
  • FIG. 6 illustrates exemplary database schemas (data table layouts) for a mobile financial transaction system (MFTS) user database according to an exemplary aspect of the invention.
  • FIG. 7 illustrates an exemplary database schema (data table layout) for a mobile financial transaction system (MFTS) transaction database in accordance with exemplary aspects of the invention.
  • FIG. 8 is a flow chart diagram illustrating computer-implemented method steps of a computer program embodying operations of a mobile device communication interface for the MFTS in accordance with exemplary aspects of the invention.
  • FIG. 9 is a flow chart diagram illustrating computer-implemented method steps of a computer program embodying operations of a financial service provider (FSP) communications interface for the MFTS in accordance with exemplary aspects of the invention.
  • FSP financial service provider
  • FIG. 10 is a flow chart diagram illustrating computer-implemented method steps of a computer program embodying operations of a user web application input/output (I/O) interface for the MFTS in accordance with exemplary aspects of the invention.
  • I/O input/output
  • FIG. 11 is a flow chart diagram illustrating computer-implemented method steps of a computer program embodying operations of a web application for enrolling a new user in accordance with exemplary aspects of the invention.
  • FIG. 12 is a flow chart diagram illustrating computer-implemented method steps of a computer program embodying operations of a web application for a registered user in accordance with exemplary aspects of the invention.
  • FIG. 13 shows a sequence of mobile device screen displays for viewing selectable payment sources and account balances according to an exemplary aspect of the invention.
  • FIG. 14 is a sequence diagram illustrating computer-implemented method steps for viewing payment sources and account balances according to an exemplary aspect of the invention.
  • FIG. 15 shows a sequence of mobile device screen displays for viewing bills according to a preferred embodiment and an alternative embodiment of the present invention.
  • FIG. 16 is a sequence diagram illustrating computer-implemented method steps for viewing bills according to a preferred embodiment and an alternative embodiment of the present invention.
  • FIG. 17 shows a sequence of mobile device screen displays for paying a bill according to an exemplary aspect of the invention.
  • FIG. 18 A shows a sequence diagram illustrating computer-implemented method steps for paying a bill according to a preferred embodiment of the present invention
  • FIG. 18B shows a sequence diagram illustrating computer- implemented method steps for paying a bill according to an alternative embodiment of the present invention.
  • FIG. 19 is a sequence of mobile device screen views from a payer's perspective as a user uses a "Pay anyone" payment option, selects a name from a list, and uses a "recipient defined” payment method according to an exemplary aspect of the invention.
  • FIG. 20 is a sequence of mobile device screen views from a payee's perspective of a "Pay anyone" using a "recipient defined” payment option according to an exemplary aspect of the invention.
  • FIG. 21 shows a sequence diagram illustrating computer-implemented method from a payer's perspective as a user uses a "Pay Teen" payment option, selects a payee, and selects a payment method according to an exemplary aspect of the invention.
  • FIG. 22 shows a sequence diagram illustrating computer-implemented method from a payee's perspective as a user uses a "Pay anyone" payment option, selects "recipient defined” payment method, selects a payment method, and receives the payment according to an exemplary aspect of the invention.
  • FIG. 23 shows a sequence of mobile device screen views from a payer's view of a "Pay Avenue" payment feature with selection of an ACH payment method according to an exemplary aspect of the invention.
  • FIG. 24 shows a sequence of mobile device screen views from a payee's perspective of a "Pay anyone" payment feature with ACH payment method according to an exemplary aspect of the invention.
  • FIG. 25 is a sequence diagram illustrating computer-implemented method steps for a "Pay Teen" payment feature with ACH payment method according to an exemplary aspect of the invention.
  • FIG. 26 shows a sequence of mobile device screen views from a payer's perspective as a user uses a "Pay Teen" payment feature and selects a paper check payment method according to an exemplary aspect of the invention.
  • FIG. 27 shows a sequence of mobile device screen views from a payee's perspective of a "Pay anyone" payment feature with a paper check payment method according to an exemplary aspect of the invention.
  • FIG. 28 is a sequence diagram illustrating computer-implemented method steps for a "Pay Teen" payment feature, involving a paper check payment method according to an exemplary aspect of the invention.
  • FIG. 29 shows a sequence of mobile device screen views from a payer's perspective as a user uses a "Pay Teen" payment feature and selects a stored value (SV) card payment method according to an exemplary aspect of the invention.
  • SV stored value
  • FIG. 30 shows a sequence of mobile device screen views from a payee's perspective of a "Pay Avenue" payment feature with the stored value (SV) card payment method according to an exemplary aspect of the invention.
  • FIG. 31 is a sequence diagram illustrating computer-implemented method steps for a "Pay Teen" payment method involving use of a stored value (SV) card payment method according to an exemplary aspect of the invention.
  • FIG. 32 shows a sequence of mobile device screen views as a user transfers funds or account balances according to an exemplary aspect of the invention.
  • FIG. 33 is a sequence diagram illustrating computer-implemented method steps for funds transfer or balance transfers between accounts of payment sources according to an exemplary aspect of the invention.
  • FIG. 34 shows a sequence of mobile device screen views that illustrate receipt of payment for a payee with a mobile device, with optional installation of a mobile device application to the payee's mobile device, according to an exemplary aspect of the invention.
  • FIG. 35 is a sequence diagram illustrating computer-implemented method steps whereby a payee downloads and installs a mobile device application from the MFTS system as a part of the viral financial commerce system according to an exemplary aspect of the invention.
  • FIG. 36 is a sequence of mobile device screen views from a user's perspective of changing a personal identification number (PIN) according to an exemplary aspect of the invention.
  • PIN personal identification number
  • FIG. 37 comprises screen displays of the web application input/output interface illustrating how a user enrolls for use of a mobile financial transaction system through a web application user site according to a preferred embodiment of the present invention.
  • FIG. 38 comprises screen displays of the web application input/output interface illustrating how a user manages financial accounts of a mobile financial transaction system through a web application user site according to a preferred embodiment of the present invention.
  • FIG. 39 consisting of FIGS. 39A-39B, comprises screen displays of the web application input/output interface illustrating how a user manages payees of a mobile financial transaction system through a web application user site according to a preferred embodiment of the present invention.
  • FIG. 40 is a web application account summary display screen in accordance with alternative exemplary aspects of the invention.
  • FIG. 41 is a web application billing entity details display screen in accordance with alternative exemplary aspects of the invention.
  • FIG. 42 is a web application payment source details display screen in accordance with alternative exemplary aspects of the invention.
  • ACH an acronym for "Automated Clearing House," an electronic banking network that processes volumes of credit and debit transactions in accordance with by rules and regulations established by the National Automated Clearing House Association (NACHA) and the U.S. Federal Reserve (Fed).
  • Application a computer program that operates on a computer system, e.g., but not limited to, a computer program operated within the MFTS, or a computer program operated within a cellphone or mobile device (a mobile application).
  • Further examples of applications include programs that perform a search in a database, receive and store information in a temporary memory of a mobile device, display selected information on a mobile device, etc., and virtually any other type of program that generates transactions or is responsive to transactions.
  • Bill information information provided by a billing entity, or a bill aggregator, relating or corresponding to a bill to be paid; typically consists of all information provided by the billing entity that would appear on a bill to be paid and provided to a user or a billing aggregator. (See “summarized bill information.")
  • Billing entity a payee; an individual person, business, or entity that provides a bill that can be paid to a user.
  • the term generally includes any payee, whether or not a bill is sent to prompt payment, although a billing entity typically may be expected to provide a document or message (a bill) indicating an amount due to the billing entity, whereas a "pay anyone" type payee, while generally considered a billing entity for purposes of aspects of the invention, may not necessarily require a bill prior to sending a payment.
  • Billing (bill) aggregator an entity that provides a service of collecting information relating to bills to pay or other payment obligations to an entity with whom a user or consumer maintains a financial relationship, and in the context of the invention, provides information about one or more bills to pay to a mobile financial transaction system constructed as described herein, and optionally serves as a financial service provider that handles bill payment for a user.
  • Bill presentment the presentation or presentment of one or more of payment obligations of an entity (such as bills to pay or payments to make), e.g. by a bill aggregator, and the electronic communication of one or more such payment obligations, to the entity for review and provision of payment instructions.
  • Bill presentment may be provided on a bill by bill basis from a billing entity, or may be a grouping or aggregator of bills by a billing aggregator that provides a service of collecting bills to pay an entity.
  • Consumer an individual person or other entity that accesses or uses a mobile device to perform certain functions of a mobile financial transaction system (MFTS), in accordance with exemplary aspects of the inventions. Generally synonymous with user, below.
  • MFTS mobile financial transaction system
  • DBMS database management system
  • An Enterprise an organization or business entity that utilizes the present invention.
  • An Enterprise can be a business, a government agency, a person, or virtually any other organization that conducts business transactions reflective of its business activity.
  • Entity something that has a separate and distinct existence or conceptual reality outside the present invention.
  • One example is a billing entity, which sends out billing information about a payment obligation.
  • FSP Financial Service Provider
  • PS Payment Source
  • an FSP is an entity that provides financial services on behalf of users with mobile devices in accordance with exemplary aspects of the invention.
  • a FSP may also be a payment instruction recipient and effect a payment.
  • I/O input/output
  • LAN local-area network, a collection of computers that are connected for electronic communications, typically located geographically close together (that is, in the same building).
  • MCSP Mobile Communication Service Provider
  • Mobile client generally synonymous with mobile application: a computer program that runs on a mobile device, to provide services and operations as described in this document, in accordance with exemplary aspects of the invention.
  • Mobile device any device used for communication over a wireless communication networks, such as a cellular phone, a walkie-talkie, a personal digital assistant (PDA), a pager, a smart phone, or any combination thereof.
  • Mobile devices operative in the present invention typically run a mobile client software program to effect the functionality described herein.
  • a mobile device need not necessarily be a telephone-type instrument.
  • MFTS Mobile Financial Transaction System
  • MFTSPI MFTS payment instruction: a form of Payment Instruction (PI)(see below) that comprises a communication initiated by the MFTS and transmitted to a payment instruction recipient such as a financial institution to instruct that institution to make a payment to an identified selected entity.
  • MPI Mobile Payment Instruction
  • PI form of Payment Instruction
  • Mobile Wallet a name given to a mobile device application that provides functionality for viewing and selecting bills to be paid or other payments to make, viewing and selecting payment sources for making such payments, viewing balances, etc., in accordance with exemplary aspects of the invention.
  • PayAnyone a feature of aspects of the present invention that allow a user to pay a person having a wirelessly connected mobile device, without regard to whether that person is physically present, mainly by way of communicating messages to the payee's wireless device, soliciting instructions, and determining a preferred method for receipt of the payment by the payee.
  • Payee a person or an entity receiving payment.
  • a payee may also be a payment instruction recipient.
  • Payer a person or an entity making a payment.
  • a payer is also a person or an entity sending out a payment instruction.
  • Payment Instruction a collection of information that typically includes one or more selected payments to make, at least one payment source for use in making the payment, and other information.
  • a mobile payment instruction (MPI) is initially generated and provided from a mobile device in accordance with exemplary aspects of the invention.
  • An MFTS payment instruction (MFTSPI) is a communication initiated by the MFTS and transmitted to a payment instruction recipient to instruct that recipient to make a payment to an identified entity.
  • Payment Instruction Recipient an entity to whom a payment instruction is given for purposes of making a payment; a payment instruction recipient may itself make a payment, or may provide an instruction to another entity to make the payment, such as a financial service provider.
  • a payment instruction recipient may be a financial service provider, a bill aggregator, or a billing entity (e.g. a company that has authorization from a payer to draft a payment directly from a payer's bank).
  • Payment method the manner in which a payment is provided to a payee by a payment instruction recipient or its agent, i.e. a financial instrument of some sort provided to a payee; a payment can be made by various means including but not limited to paper check, stored value card, ACH funds transfer, crediting a credit card account, wire transfer, money order, credit to a PayPal or other online financial account, another type of financial instrument, etc.
  • a payment method may be chosen by a payer in certain embodiments, or may be chosen by a payee in other embodiments.
  • a payment source differs from a payment method in that a payment source provides funds for an instrument of a chosen payment method.
  • Payment to Make A payment obligation of a mobile device user, for which an instruction to make a payment is made using aspects of the invention.
  • Such obligations include any bills that a person or a family receives on a regular basis such as water bills, electric bills, gas bills, mortgage payments, automobile payment, insurance payments, telephone and/or mobile phone bills, credit card bills etc.
  • These payment obligations also include any payments that a person needs to make occasionally such as gasoline purchase, movie theater tickets, any cash-only purchases as well as payment to any individuals.
  • Payment Source funds or money available to a person or family, usually through an account that can be accessed by aspects of the present invention. These sources include credit card accounts, debit card accounts, checking and/or saving accounts, department store credit card accounts, etc.
  • Payment source information information relating to a payment source that is stored at the MFTS 5 and a portion of which (summarized payment source information) is communicated to user's mobile device.
  • Protocol A set of formal rules describing how to transmit data, especially across a network.
  • Low level protocols define the electrical and physical standards to be observed, bit- and byte-ordering and the transmission and error detection and correction of the bit stream.
  • High level protocols deal with the data formatting, including the syntax of messages, the terminal to computer dialogue, character sets, sequencing of messages etc.
  • Stored Value (SV) card a payment card, typically including a magnetic stripe or other electrical, magnetic, or electronic information carrying medium, that is accepted as a form of payment by certain commercial enterprises; money can be "loaded” onto a SV value card through various different mechanisms and systems and then can be used to pay bills, purchase goods, etc.
  • a stored value (SV) card is not a debit card or a credit card, although a SV card bears certain physical resemblance to such other types of cards.
  • Summarized bill information a reduced subset of bill information that is displayed to a user via a user's mobile device.
  • Summarized payment source information a reduced subset of information relating to an account and/or a financial institution that is displayed to a user via a user's mobile device.
  • Transaction a set of system actions that result in a completed business activity, for example, the following are exemplary transactions: the transfer of a certain amount of money (funds) from one person to another; the debiting of a credit card account of one person (e.g. a payer) and the corresponding crediting of a bank account of another person (e.g. a payee); the payment of a bill; the issuance of an instruction to issue a stored value (SV) card.
  • funds a certain amount of money
  • SV stored value
  • SMS short message service, a text communication service available on many digital mobile devices or phones that permits the sending of short messages (also known as text messages, messages, or more colloquially SMSes, texts or even txts) between mobile devices or phones.
  • short messages also known as text messages, messages, or more colloquially SMSes, texts or even txts
  • a user may also use a web interface to access the MFTS for configuration and use, as described herein.
  • User/payee an MFTS system user and also a payee who receives payments.
  • User/payer an MFTS system user and also a payer who makes payments.
  • User identifier a code used to identify a user to the MFTS, or to a financial service provider, or to another component that requires information identifying a user for some purpose in connection with the invention.
  • UI User Interface.
  • WANs wide-area networks, a collection of computers that are connection for electronic communications, typically where the computers are further apart than a LAN and are connected by telephone lines, fiber optic cables, satellite transmission, or radio waves.
  • WLAN wireless local area network, e.g. a technology that is used to connect devices, including mobile devices, laptops, desktop computers, entertainment equipment, etc. through a wireless radio signal. Examples include the known WiFi and WiMAX data communication standards.
  • aspects of the present invention are preferably implemented using mobile devices coupled for electronic (preferably wireless) communications with a mobile financial transaction system (MFTS).
  • Mobile devices include such items as cellphones and PDAs that are connected for data communications via a wireless network to an MFTS.
  • the MFTS is in turn connected to allow remote network access (e.g. Internet access) by users for account setup, configuration, editing, monitoring of transactions, etc.
  • such mobile devices are essentially small, hand-held computing devices that include features such as microphones and speakers (to enable telephone usage), a wireless signal circuit such as a digital radio, a microprocessor as a central processing unit (CPU), a color or other display, a keyboard or keypad, a stylus, a scroll wheel, control buttons, Bluetooth wireless signaling, infrared data signaling, etc.
  • the MFTS is similarly a general purpose computing device containing one or more processors and/or central processing units (CPU), data storage in the form of disk drives and random access memory (RAM), communication interfaces such as LAN connections, WAN connections, Internet connections, Ethernet connections, etc.
  • Embodiments of the present invention described herein are preferably implemented as a special purpose or general-purpose computer including various computer hardware as discussed in greater detail below.
  • Embodiments within the scope of the present invention also include computer-readable media for carrying or having computer-executable instructions or data structures stored thereon.
  • Such computer-readable media can be any available media which can be accessed by a general purpose or special purpose computer, or downloadable to a mobile device through wireless communication networks.
  • such computer-readable media can comprise physical storage media such as RAM, ROM, flash memory, EEPROM, CD- ROM, DVD, or other optical disk storage, magnetic disk storage or other magnetic storage devices, any type of removable non-volatile memories such as secure digital (SD), flash memory, memory stick etc., or any other medium which can be used to carry or store computer program code in the form of computer-executable instructions or data structures and which can be accessed by a general purpose or special purpose computer, or a mobile device.
  • physical storage media such as RAM, ROM, flash memory, EEPROM, CD- ROM, DVD, or other optical disk storage, magnetic disk storage or other magnetic storage devices, any type of removable non-volatile memories such as secure digital (SD), flash memory, memory stick etc.
  • SD secure digital
  • Computer-executable instructions comprise, for example, instructions and data which cause a general purpose computer, special purpose computer, or special purpose processing device such as a mobile device processor to perform one specific function or a group of functions.
  • the invention may be practiced in network computing environments with many types of computer system configurations, including personal computers, hand-held devices, multi-processor systems, microprocessor-based or programmable consumer electronics, networked PCs, minicomputers, mainframe computers, and the like.
  • the invention may also be practiced in distributed computing environments where tasks are performed by local and remote processing devices that are linked (either by hardwired links, wireless links, or by a combination of hardwired or wireless links) through a communications network.
  • program modules may be located in both local and remote memory storage devices.
  • An exemplary system for implementing the inventions includes a general potpose computing device in the form of a conventional computer, including a processing unit, a system memory, and a system bus that couples various system components including the system memory to the processing unit.
  • the computer will typically include one or more magnetic hard disk drives (also called “data stores” or “data storage” or other names) for reading from and writing to.
  • the drives and their associated computer-readable media provide nonvolatile storage of computer-executable instructions, data structures, program modules, and other data for the computer.
  • exemplary environment described herein employs a magnetic hard disk, a removable magnetic disk, removable optical disks, other types of computer readable media for storing data can be used, including magnetic cassettes, flash memory cards, digital video disks (DVDs), Bernoulli cartridges, RAMs, ROMs, and the like.
  • Computer program code that implements most of the functionality described herein typically comprises one or more program modules may be stored on the hard disk or other storage medium.
  • This program code usually includes an operating system, one or more application programs, other program modules, and program data.
  • a user may enter commands and information into the computer through " keyboard, pointing device, or other input devices (not shown), such as a microphone, game pad, satellite dish, scanner, or the like. These and other input devices are often connected to the processing unit through known electrical, optical, or wireless connections.
  • the main computer that effects many aspects of the inventions will typically operate in a networked environment using logical connections to one or more remote computers or data sources, which are described further below.
  • Remote computers may be another personal computer, a server, a router, a network PC, a peer device or other common network node, and typically include many or all of the elements described above relative to the main computer system in which the inventions are embodied.
  • the logical connections between computers include a local area network (LAN) and a wide area network (WAN) that are presented here by way of example and not limitation.
  • LAN local area network
  • WAN wide area network
  • Such networking environments are commonplace in office-wide or enterprise-wide computer networks, intranets and the Internet.
  • the main computer system When used in a LAN networking environment, the main computer system implementing aspects of the invention is connected to the local network through a network interface or adapter.
  • the computer When used in a WAN networking environment, the computer may include a modem, a wireless link, or other means for establishing communications over the wide area network, such as the Internet.
  • program modules depicted relative to the computer, or portions thereof may be stored in a remote memory storage device. It will be appreciated that the network connections described or shown are exemplary and other means of establishing communications over wide area networks or the Internet may be used.
  • FIG. 1 provides an overview of a mobile financial transaction system (MFTS) 18 and certain features according to an exemplary aspect of the invention.
  • a user 12 of a mobile device 15 accesses the MFTS 18 to select payments to make (“PM”) and to select payment sources ("PS") for making such payments, in the manner that will be described.
  • the major inputs to the MFTS 18 comprise payments to make 20 (hereinafter "PM") and payment sources 30 (hereinafter "PS").
  • a payment to make (PM) 20 comprises any and all payment obligations and/or instructions, whereby money or credits are transferred from one person or entity to another. These obligations include bills that a person or a family receives on a regular basis such as water bills, electric bills, gas bills, mortgage payments, automobile payment, insurance payments, telephone and/or mobile phone bills, credit card bills, etc. These payment obligations may also include any payments that a person or a family initiates such as gasoline purchases, movie theater tickets, any cash-only purchases, other retail payments at point-of-sale, as well as payment to an individual. Accordingly, PMs may occur either by presentment of a bill by a billing entity or in response to initiation by a user.
  • Certain PMs 20 that constitute household bills may be communicated to the MFTS through a bill presentment channel of the MFTS.
  • regular household bills are communicated to the MFTS at a predetermined interval or on request of the user by communication with an electronic bill aggregator, such as CheckFree Corporation, that provides a service of "bill presentment" electronically.
  • PMs 20 that constitute "occasional" purchases (e.g. at retail establishments) or payments to individuals are typically initiated by the user, as opposed to provided in the first instance to the MFTS by an aggregator or by a specific billing entity. Such user-initiated transactions are typically sent to the MFTS via wireless communications devices through the services of a mobile communication network (not shown in this figure).
  • PMs may be characterized as "Pay Teen" transactions as they contemplate the making of a payment to any identified entity including an individual person as well as a commercial entity, at the initiation of the user.
  • information associated with a PM 20 typically includes the name(s) of the account owner(s) (i.e. the person who is responsible for making the payment, if a typical household bill), a mobile device number associated with the account and/or account holder, account numbers, account balances, due date, minimum payments, electronic payment account numbers, addresses of the billing entities, etc. This information is generally the same whether the PM is the result of bill presentment or from user initiation.
  • the payment sources (PS) 30 comprise any and all funds available to a person or a family for use in making payments. These fund sources include credit card accounts, debit card accounts, bank checking and/or saving accounts, department store credit card accounts, etc. These funds are usually divided into two major categories: banking entities and credit entities. Entities that provide and/or maintain such funds are typically financial service providers (FSPs), which are often financial institutions (FI). Banking entities usually include checking and/or savings accounts where the money available to a person or a family is kept. The credit entities usually include all credit facilities available to a person or a family.
  • FSPs financial service providers
  • FI financial institutions
  • Banking entities usually include checking and/or savings accounts where the money available to a person or a family is kept.
  • the credit entities usually include all credit facilities available to a person or a family.
  • information associated with a payment source (PS) 30 includes the name(s) of the account owner(s) (i.e. the person who owns or controls the funds), account numbers, account balances, credit available and credit limits for a credit card or other credit facilities, available cash advance amount, names of other authorized users or co-owners of the account, special personal identification numbers (PIN), restrictions on use of the account, etc.
  • the major output from the MFTS system 18 comprises a subset of information related to one or more payments to make (PM), a subset of information related to one or more payment sources (PS), both of which are provided from the MFTS 18 to an individual mobile device 15 and displayed and/or presented to a user 12 for reaction and response.
  • PM payments to make
  • PS payment sources
  • the mobile device 15 In response to presentation of a PM (or initiation of a PM), the mobile device 15 provides a payment instruction to a payment instruction recipient such as a financial service provider or financial institution to make a payment, in accordance with the information in the payment instruction.
  • the overall methodology for making a payment in accordance with exemplary aspects of the invention involves seven primary steps. Interactions between the MFTS 18 and mobile devices 15 are established through communication services provided by a mobile communication service provider (MCSP, not shown in FIG. 1) and involve the first four steps of the methodology.
  • MCSP mobile communication service provider
  • a first step is to push out PM information (step 1 shown in a triangle) and a PS information (step 1 shown in a square) from the MFTS 18 to a mobile device 15, as shown at Step 1.
  • a second step is for a user 12 of a mobile device 15 to view available payments to make (step 2 shown in a triangle) and payment sources (step 2 shown in a square) available for use in making selected payments, as shown at Step 2.
  • a third step is for a user to activate a pay bill function, as one example, using the mobile device application on a mobile device 15, which results in construction of a mobile payment instruction (MPI) based on the information input by the user 12, as shown at Step 3.
  • MPI mobile payment instruction
  • a fourth step is the communication of the mobile payment instruction (MPI) from the mobile device 15 to the MFTS for handling, as shown at Step 4.
  • MPI mobile payment instruction
  • a fifth step in the overall methodology, but which does not involve the mobile device or communications with the MCSP, is the construction of an MFTS payment instruction utilizing information from the mobile payment instruction, and communication of that MFTS payment instruction to a payment instruction recipient, as shown at Step 5.
  • a sixth step in the overall methodology of the invention is the transfer of funds to selected payee by a payment instruction recipient, typically through a financial service provider, using a selected payment source, as shown at Step 6.
  • a seventh step in the overall methodology of the invention is for the financial service provider to send a payment confirmation message back to the MFTS upon successful processing of the MFTS payment instruction.
  • the information pushed out to the mobile device includes a subset of payment to make information as shown at Step 1 (PM) and/or a subset of payment source information as shown at Step 1 (PS).
  • the information pushed out does not include all available information received by the MFTS from the payment to make and/or payment sources. Rather, a reduced subset of the payment to make information and/or the payment source information is pushed out to the mobile device to facilitate a mobile payment or payment source view.
  • the information is reduced so as to provide quicker and more concise information to a user that facilitates a decision about making payment and what fund source to utilize. For bills, this reduced information typically only includes the name(s) of the billing entities, a balance due or payment due, and a due date for the payment to make.
  • the consumer's account name(s), current balance, funds available etc will be shown.
  • a user 12 of a mobile device 15 views payments to make as shown at Step 2 (PM) and views payment sources for use in making a payment as shown at Step 2 (PS).
  • the mobile device user 12 is notified via a text message (SMS) when a new payment to make is received by the MFTS 18 and/or an update is received by the MFTS from a financial institution for an account associated with a mobile device through other communication means.
  • SMS text message
  • the mobile device 15 retrieves information from the MFTS relating to new payments to make or updated financial account information, upon activation of selected functions on the mobile device such as "view bills,” “pay bills,” “pay anyone,” as will be described in detail in connection with various functional software modules, herein.
  • a mobile device user 12 when a mobile device user 12 is ready to review the payments to make, he/she can launch a "mobile wallet" application that runs on the mobile device to review the PM and PS.
  • a PM is viewed through a "View Bills" (also called “View Payment to Make") function and a PS is viewed through a "View Payment Sources” function.
  • An exemplary display screen of information displayed through these functions is shown in FIG. 1.
  • the mobile device user can review bills received to date and decide which bill(s) to pay at what time.
  • a mobile device user can view and decide what fund so ⁇ rce(s) to use for paying a bill of his/her choice.
  • Step 3 the user invokes a "Pay Bills" function in the mobile device application on the mobile device 15 to select a payment to make and a corresponding payment source, which causes the mobile application to construct a mobile payment instruction (MPI).
  • This step includes selecting a payment to make, selecting a payment source, and constructing the mobile payment instruction.
  • the mobile payment instruction typically includes billing entity information, an amount to pay, the date and/or time to pay, and a selected payment source for this payment.
  • the mobile application provides the mobile payment instruction (MPI) via the wireless connection from the mobile device to the MFTS for handling.
  • MPI mobile payment instruction
  • the MFTS processes the MPI and constructs an MFTS payment instruction to a payment instruction recipient, which in some cases is a selected financial service provider or financial institution associated with the selected payment source.
  • the complete MFTS payment instruction typically includes information contained in the mobile payment instruction, together with selected other information stored in the database of the MFTS associated with the mobile device users such as the mobile device user's account number, the appropriate account to use for payment, the amount of the payments, the date and/or time to pay, account credentials, etc.
  • the payment instruction recipient effects the payment by various means, for example it can make the payment itself, or provide instructions to a selected financial institution to use the selected payment source (PS) identified in the MFTS payment instruction to transfer funds to an account or other payment vehicle of the identified entity associated with the payment to make (PM).
  • the financial service provider FSP communicates a confirmation message back to the MFTS upon successful processing of the MFTS payment instruction.
  • the mobile device user because the information provided to the mobile device is a selected and reduced subset of the information that is typically associated with a financial transaction for making an electronic payment using a selected payment source, the mobile device user only sees the minimally required information he or she needs to decide to make a particular payment, and what source to use.
  • the more detailed and comprehensive information required to consummate a transaction is stored in the MFTS, transparently to the user, but retrieved and utilized to make the payment using the selected payment source.
  • the user is presented with the required but limited information needed to make payments quickly, concisely, and efficiently, using his or her mobile device, at a place and time of his or her convenience.
  • the full details of the transaction are preferably captured and stored by the MFTS, and may be accessed and viewed by the users at their convenience, for example through a web interface, as will be described in greater detail later.
  • system 200 in accordance with aspects of the invention includes the MFTS 18, a mobile communication service provider (MCSP) 110, a communications network 120 such as the Internet or private network, a bill presentment system 190, a web interface for users 140, mobiles device(s) 15, connections or interfaces to billing/payment entities 180 and payment sources 30, and other components for certain purposes.
  • MCSP mobile communication service provider
  • communications network 120 such as the Internet or private network
  • bill presentment system 190 such as the Internet or private network
  • web interface for users 140 mobiles device(s) 15, connections or interfaces to billing/payment entities 180 and payment sources 30, and other components for certain purposes.
  • the MFTS 18 includes a computer system comprising a database 158, telecommunications interfaces 152, and software.
  • the MFTS 18 supports three major interfaces or communication methods: a financial service provider (FSP) communication interface 156, a wireless or mobile device (mobile client) interface 152, and a world wide web (WWW) or Internet user interface (UI).
  • FSP financial service provider
  • WWW world wide web
  • UI Internet user interface
  • an "interface” is a means or method for interaction between machines, devices, computer programs or other complex tool
  • UI user interface
  • UI user interface
  • a user interface provides a means of input (allowing a user to send information to a system such as the MFTS) and a means of output (allowing the MFTS system to display information to the user). These inputs and outputs are transported via the Internet and viewed by the users using a web browser program such as Netscape Navigator, Internet Explorer, Firefox, or any other web browsers. According to aspects of the invention, users provide personal information to register for service, input personal and financial information to the MFTS, and verify such information through a display on the user's computer system.
  • the financial service provider (FSP) communication interface 156 is an interface to financial entities 30 that provide payment sources (PS) and a bill presentment interface 155 to billing/payment entities 180 for payments to make (PM).
  • the computer system of the MFTS connects to the computer systems of financial entities through various types of computer networks, such as a frame secured dedicated path 160, local-area networks (LANs), wide-area networks (WANs), etc. as well as the known Internet 120.
  • the wireless or mobile device (mobile client) interface 152 provides connections to a user's mobile device 15.
  • the computer system of the MFTS has a plurality of interfaces to communicate to users' mobile devices through various wireless telecommunication service providers providing voice/data service with CDMA, GSM, GPRS, other 2G wireless data communication services, and newly emerging 3 G wireless data services.
  • many mobile devices support many additional services such as SMS for text messaging, packet switching for access to the Internet and MMS for sending and receiving photos, sound, music, and/or video.
  • the system 18 thus preferably includes an SMS generator 151 for generating SMS message.
  • the mobile device communication interfaces 150 allow the users to receive financial and other information wherever they are (provided that they are within the coverage area of their MCSP), interact with the MFTS 18, and complete various financial transactions.
  • the world wide web (WWW) or Internet user interface (UI) comprises one or more web applications 154 for a user to access the MFTS for registration for service, configuration and account setup, maintenance of accounts, viewing of payments to make and payment sources and status, etc.
  • user account financial information could be submitted to the MFTS from enrollment for service, for example through a business arrangement with a selected financial institution that has a relationship with an operator of the MFTS.
  • the user can also user a web user interface to enter user account financial information.
  • the MFTS 18 communicates with a user 12 via his or her mobile device(s) 15 and/or his or her associated computer 140, a mobile communication service provider 110, a data communication network such as the Internet 120, a secured dedicated network path 160, financial service providers (FSPs) 30, that provide payment sources 30, billing entities 180, and/or a bill presentment system 190.
  • FSPs financial service providers
  • the mobile devices 15 communicate with the MFTS 18 via a wireless connection (illustrated as antenna 112), using a wireless communication service provided by a mobile communication service provider (MCSP) 110.
  • the mobile devices 15 comprise any devices that are connected for data communications with a mobile communication network via the MCSP 110.
  • Such devices 15 may include a pager 15a, a personal digital assistant (PDA) 15b, cellular or mobile phone 15c, or any other electronic device that includes functionality of a PDA or mobile phone, with the capability of receiving information via a wireless link, receive user input, and transmit data (e.g. a payment instruction) to the MFTS.
  • PDA personal digital assistant
  • GSM Global System for Mobile communications
  • Radio Service that can carry data at up to 56 Kbps -- about the same speed as a dial- up connection ⁇ together with the GSM signals that carry the voice traffic.
  • EDGE Enhanced Data rates for GSM Evolution
  • CDMA networks have also upped their data speeds using a standard known as IxRTT (Radio Transmission Technology) measuring throughput at 144 Kbps.
  • IxEV-DO Kernel- Data Only
  • MCSPs now provide a service called UMTS (Universal Mobile Telecommunications System), an upgrade to GSM networks that speeds connections to a maximum of 384 Kbps and allows for simultaneous voice and data, a desirable feature for users to make and receive voice calls while simultaneously using data services such as wireless laptop use.
  • UMTS Universal Mobile Telecommunications System
  • Kev A bV-DO will speed up EV-DO networks to 1.8 Mbps upstream and 3.1 Mbps downstream
  • HSDPA High-Speed Down Packet Access
  • SMS short text messaging
  • wireless data communication technologies are also used to support functions such as wireless Internet browsing on mobile devices; downloading of music, ringtones, videos, photographs; and protocol support for wireless applications (e.g. a mobile application constructed as described in this document).
  • the data network 120 which includes the well-known Internet, offers accessibility to the MFTS 18 through wired or wireless connections. Users 12 can access the Internet 120 through their home/office connection as well as through their mobile devices 15.
  • a user's computer, shown at 140, is connected to the Internet 120 through their home/office connection, or wirelessly connected through a mobile communication service provider. According to aspects of the invention, users have the flexibility to access billing information and payment information either with a computer online with web view access or via a mobile device 15 with mobile views.
  • a mobile view will provide less information to the user than a web view, because mobile devices typically have smaller display screens (to facilitate mobile use) and users are often desirous of using certain basic functionality quickly and efficiently in a mobile environment, provided that they have more detailed information available via other means, at a later time.
  • the present invention specifically contemplates modes of operation where further transaction details may be obtained through a function of the mobile device, as well as through web views using a computer 140 connection for Internet usage.
  • the MFTS 18 includes several software components, described in greater detail later in this document, that execute on a computer server associated with the MFTS.
  • Such components include an SMS generator 151, MFTS mobile device communication interfaces 150, one or more web applications 154, a plurality of partner financial service provider (FSP) interfaces 156, and a user database 158.
  • FSP partner financial service provider
  • the mobile device communication interfaces 152 are preferably an HTTP Remote Procedure Call (RPC) interface that provides mobile clients with access to financial services available on the MFTS.
  • the mobile client interface is preferably designed to facilitate communications between the MFTS 18 and the mobile users, including all data transmissions and receptions, as well as SMS transmissions and receptions through the SMS generator 151.
  • the SMS generator is a software component that receives a message for communication to a mobile device and converts the message into SMS format, which is usually purely textual information, and transmits the message to a MCSP in the SMS format as specified by the MCSP. Details of the required SMS format for a particular MCSP may be obtained by inquiry of the applicable MCSP.
  • the web applications 154 reside on the server of the MFTS, and comprises one or more of the following major components: a User Site 153, and an Administration (Admin) Site 157.
  • a User Site 153 is a web application (HTML) whose purpose is to allow users to enroll or register for services provided by the MFTS 18, manage their mobile clients, and perform other user-related functions such as account maintenance, adding a new payee, verifying account information for payment sources or payments to make, etc.
  • a User Site 153 is used for a user to enroll to receive services by providing appropriate information such as name, address, mobile number, etc., to obtain a username and a password for security purposes, and to provide the MFTS 18 with detailed information about a user's billing entities and their payment sources such as account number, access/authentication methods etc.
  • An Administration Site 157 is an application (typically web or HTML) used by the MFTS Production Operation personnel to administer the system. It is typically used by information technology (IT) administrators of the MFTS 18, troubleshooting, answer inquiries, account maintenance, view transaction history, general system monitoring, etc.
  • IT information technology
  • the MFTS 18 also comprises multiple financial service provider communication interfaces 156 to partner Financial Service Providers (FSPs) 30, which are entities that provide functions such as payment source detail, bill aggregation or bill payment connectivity, or are entities to whom payment instructions are sent on behalf of a user.
  • FSPs Financial Service Providers
  • the financial service provider communication interfaces 156 facilitate electronic data communication information transfer between the MFTS and individual financial service providers such as banking entities, credit entities, etc.
  • the technical requirements for these interfaces vary in their implementation and may need to be customized to accommodate each individual financial service institution.
  • Such interfaces are typically implemented as real time web services interfaces or batch mode file transfer protocols, depending on the capabilities and requirements of the participating partner financial service providers. Details of the data communication requirements of specific FSPs may be obtained from the FSP directly.
  • a special secured dedicated network path 160 such as a frame relay, a private network, an internet virtual private network (VPN), or a web service is preferably used for data communications between the MFTS 18 and various FSPs to ensure the security of the financial information transmission. Details about the particular forms of security, protocols, requirements, etc. will be established between the MFTS 18 and each financial institution that participates in the system and methods described herein.
  • a user database 158 associated with the MFTS 18 stores information related to all users, financial service providers that serve users, billing entities that serve the users, payees and how to make payments to them, and other related information. Details about the information stored in the user database 158 are provided in connection with FIG. 6 and the associated discussion.
  • FSPs that provide payment sources (PS) 30 include banking entities such as banks, credit unions, savings and loans, brokerage firms that provide savings/checking/money market accounts, and other financial institutions; credit entities such as credit card issuing companies, banks and/or department stores, gasoline companies, etc.; and any other financial institutions with whom the users of the MFTS do business.
  • Payment sources 30 provide payments 194 to selected billing entities 180, in the manner described herein.
  • Billing entities 180 include service companies that serve the users such as gas 185, water, electricity 181 , phone/cell phone 183, satellite/cable/Internet providers, credit card companies, and any other entities that send a bill to a user for products purchased or services rendered. As will be understood, many billing entities 180 send bills 192 on a regular basis (often monthly). Bills can also come from billing entities that provide services to users such as insurance companies, homeowner associations, trash pickup, pest control, auto repair, lawn & garden, landscaping, cleaning, etc. Some entities do not send bills on a monthly basis, but on a semi-annual, quarterly, or annual basis, or on demand when a service is rendered. Occasionally, people have the need to pay others individually such as co-workers, friends, family members, etc. All of these bill or non-bill payment obligations are referred as a payment to make (PM).
  • PM payment to make
  • a bill presentment system 190 can be utilized to receive bills from billing entities 180 and aggregate them into a package for presentment to a user, electronically or otherwise.
  • a bill presentment system 190 can be either a service or component of the MFTS 18 or an independent service entity. For example, CheckFree Corporation, Norcross, Georgia, provides a billing aggregation and bill presentment service.
  • a bill presentment system retrieves bills from one or more individual billing entities and presents the bills to the MFTS system; information relating to the collected/retrieved bills is stored in the user database 158 of the MFTS 18.
  • a billing aggregator and the MFTS 18 may be constructed as a separate systems, operated by the same or by different entities, or may be constructed as an integrated system wherein the aggregator functions and the MFTS functions are carried as complementary and intercommunicating computer processes.
  • FIG. 2 shows the MFTS 18 and the aggregator/bill presentment system 190 as separate entities, those skilled in the art will understand that such functionality can be provided in an integrated system.
  • the mobile devices 15 may be configured to operate in conjunction with a billing entity such as a retail establishment by receipt of a payment to make (PM) from a radio frequency identification (RFID) device 187.
  • a billing entity such as a retail establishment by receipt of a payment to make (PM) from a radio frequency identification (RFID) device 187.
  • RFID-based payment terminals are now becoming available in the realm of commerce. As will be known to those skilled in the art, RFID-based payment terminals are operative to detect the presence of an RFID electronic circuit, perhaps contained in a mobile device, in proximity to an RFID-based payment terminal, and automatically transmit a wireless (WiFi, Bluetooth, infrared, etc.) signal constituting payment information in return to the associated device.
  • WiFi WiFi, Bluetooth, infrared, etc.
  • a mobile device 15 can be configured to receive a payment obligation (a PM) from a merchant at point-of-sale (POS) via a wireless communication in a direct manner, and thereby provide the user the capability and opportunity to pay a billing entity for the goods or services provided, as described herein.
  • a PM payment obligation
  • POS point-of-sale
  • a special financial service provider (FSP) 175 that provides a special holding account on behalf of the MFTS 18, for purposes of holding funds in connection with transactions on a temporary or interim basis.
  • the holding account FSP 175 provides an FDIC-insured account for holding funds in connection with escrow-type transactions wherein release of payment to a billing entity 180 is conditioned on some event such as delivery of particular goods or services, or specific authorization from a user, or other purposes.
  • the holding account FSP 175 may be utilized in the following exemplary manner: upon selection of a payment source (PS) by a user for making a payment, the selected payment source can be instructed, with a payment instruction, to transmit the funds to the holding account 175, where such funds will be held on behalf of the user until a release event (e.g. delivery of goods, execution of an agreement, or other predetermined event), at which time the holding account 175 will transmit the funds to the indicated billing or payment entity.
  • PS payment source
  • a payment instruction to transmit the funds to the holding account 175, where such funds will be held on behalf of the user until a release event (e.g. delivery of goods, execution of an agreement, or other predetermined event), at which time the holding account 175 will transmit the funds to the indicated billing or payment entity.
  • the overall operation of the disclosed MFTS 18 will be briefly described. As will be understood, much of the functionality of the embodiments of the invention are implemented in computer software and involves user interaction with his or her mobile device, creation of data records, communications between mobile devices and the MFTS 18, and communications between the MFTS 18 and various other parties and their systems such as financial institutions, billing entities, person to whom payments are made, etc. Still referring in this regard to FIG. 2, the overall operation of the MFTS 18 according to certain aspects of the invention includes the following exemplary steps:
  • a customer or user 12 first registers with the MFTS 18 and creates an account with the MFTS service. This registration is completed via the user web site interface 154 either through a computer 140 with a internet connection, or through a mobile device 15 that has Internet access capabilities.
  • the account owner (user) chooses or is given a username and a password for security and authentication purposes.
  • a user profile is created for the account and necessary information such as a mobile device identification number or phone number associated with the account is entered and saved to the user database 158 in a user record. All billing entities for payments to make (PM) that the user wishes the MFTS to serve are entered by the user into the user database, including account number, name and address of the account owner, billing cycles, and any other related information.
  • one or more payment sources are also entered into the user database, including the bank routing number(s) and account number(s), name(s) and address(es) of the account owner(s), access codes such as PIN, access methods, credit card number(s), expiration date(s) of the credit card(s), etc.
  • the FI information can be pulled into the MFTS through the FSP communication interface 156.
  • the user 12 downloads to his/her mobile device 15 a mobile client (also called a mobile application or a "Mobile Wallet") from the ' MFTS main website, as shown at 215.
  • the downloaded mobile application may be (a) downloaded to the user's computer 140 for later synchronization and/or loading into with the mobile device for situations where a mobile device's software must be loaded from a PC, or (b) alternatively directly downloaded via the wireless network into the mobile device for situations where a mobile device is capable of direct application download.
  • the mobile client or application is configured and certified for the brand and model of mobile device 15 possessed by the user 12.
  • the mobile application in the disclosed embodiment is an application that resides on the user's mobile device.
  • the mobile client is an application that runs independently on the mobile device and does not require an active communication connection to the MFTS 18, it can operate in an offline mode when or where the mobile device is out of its coverage area by utilizing local storage on the mobile device.
  • the ability to utilize local storage on the devices allows data caching, which speeds up end user interactions and the ability to queue user-initiated transactions until connectivity is restored. Additionally, offline support allows for eliminating intermittent signal activity that could impact the user experience seen in WAP-based solutions in the marketplace today.
  • the MFTS sends requests to a billing aggregator (e.g. bill presentment system 190) or to the billing entities 180 to retrieve the bills 192 of MFTS users.
  • a billing aggregator e.g. bill presentment system 190
  • the MFTS may receive bills from billing entities at certain billing cycles, from a billing aggregator or directly from a billing entity.
  • the MFTS receives the bills and notifies the user of the due bill via SMS (according to one aspect).
  • the user launches the mobile client software on the mobile device 15, which communicates with the mobile device communication interface 152 to see the bill that is payable.
  • the SMS message preferably only contains brief and abbreviated information as simple as the name of the billing entity and amount due; additional information may be obtained by the mobile device (see next step). 5.
  • the user opens the Mobile Wallet application on his/her mobile device(s) to view received bill(s) via a request to all applicable billing entities.
  • a payment instruction is formed by the user by selecting a
  • the user is preferably presented with a confirmation screen on the mobile device that presents the basic information about the bill to pay, the timing on the payment, the balances available, etc., before committing the payment to the system. If the user confirms the payment, the mobile device 15 sends an abbreviated mobile payment instruction to the MFTS 18.
  • the MFTS 18 In response to receipt of the mobile payment instruction from a mobile device, the MFTS 18 appends other related information to form a complete payment instruction (MFTS payment instruction) that instructs a selected financial service provider to complete the payment transaction by transferring funds from a selected PS to the payee, using a payment method that has either been preselected or selected as a part of the PM and PS selection process.
  • MFTS payment instruction a complete payment instruction
  • the software architecture of the mobile financial transaction system is shown in FIG. 3.
  • the software of the MFTS comprises two major components: a mobile device application 400 ("Mobile Wallet") and MFTS software 500.
  • the mobile device application 400 resides on a mobile device and is accessed by the owner of the mobile device.
  • the MFTS software application 500 resides on a server computer connected to the Internet and it is accessed by users through their Mobile Wallet application and web browsers.
  • the mobile device application 400 comprises: a mobile device main program 335 for controlling the operation of the mobile device application 400; a mobile device input/output interface 331 for displaying messages, receiving user selections or inputs, and facilitating the user's operation; a security manager 333 for providing security measures for wireless communication; a mobile device storage interface 337 for storing and retrieving data to/from a local storage device 341 such as a non- volatile memory device within the mobile device; and a mobile device communication interface 339 for communicating with the mobile device radio hardware 343 on the mobile device, which in turn communicates with the mobile communication service providers (MCSPs) 110 according to their specific protocols.
  • MCSPs mobile communication service providers
  • FIG. 3A also illustrates a number of routines or functions 301, 303, 305, 307,
  • a View Payment Sources routine 301 provides a display of payment sources on the user's mobile device; details of this routine are provided in FIGS. 13 and 14.
  • a View Bills routine 302 provides a display of bills or payments to make on the user's mobile device; details of this routine are provided in FIGS. 15 and 16.
  • a Pay Bills routine 305 provides for selecting of a bill to pay or a payment to make on the user's mobile device; details of this routine are provided in FIGS. 17 and 18.
  • a Pay Teen by Name routine 307 provides for making a payment to a person by name on the user's mobile device; details of this routine are provided in FIGS. 19-22 and 26-28.
  • a Pay convinced by mobile number routine 309 provides for making a payment to a person by mobile number on the user's mobile device; details of this routine are provided in FIGS. 23-25 and 29—31.
  • a Balance Transfer routine 311 provides for moving funds between a user's accounts via the user's mobile device; details of this routine are provided in FIGS. 32 and 33.
  • a Download Application routine 313 provides for downloading a Mobile Wallet application to a user/payee's mobile device from the MFTS, in connection with receiving a payment to allow use of aspects of the invention by payees in connection with receiving a payment; details of this routine are provided in FIGS. 34 and 35.
  • a Change PIN routine 315 allows a user to change his or her personal identification number (PIN) via the mobile device; details of this routine are provided in FIG. 36.
  • a Receive SMS (text message) routine 321 provides for sending a text message (SMS) to a payee, to advise a payee that a payment has been received; details of this routine are provided in FIGS. 15 and 20.
  • the MFTS software 500 comprises: an MFTS main program 350; an MFTS mobile device communication interface 150 for communicating with mobile communication service providers 110; a web application interface 154 for receiving user's enrollment, registration, retrieving and updating information through a user web site over the Internet 120; a P2P service 375 for facilitating person to person financial transactions; a storage/database (DB) interface 377 for storing and retrieving data to/from a MFTS user database 158; a financial account service 379 for facilitating user authentication; a financial service provider (FSP) communication interface 156 for communicating with financial service providers 30, as well as MFTS bank holding account 175 (if applicable); and a bill presentment interface 155 for receiving bills from various billing entities 180 through a bill presentment system 190.
  • DB storage/database
  • FSP financial service provider
  • the MFTS main program 350 interacts and coordinates with the other modules and services in the MFTS, and acts as a "traffic cop" for information routed between the various storage and communication interfaces.
  • the preferred web application input/output interface 154 allows users to enroll or register with the MFTS system, to add/edit/view/delete mobile clients, add/edit/view/delete credit card/bank accounts, and add/edit/view/delete payees or billing entities.
  • the web application interface 154 further allows user to initialize a mobile client, and to unlock a locked mobile device after a series of failed logins. Exemplary displays associated with the preferred web application interface 154 are shown and described in connection with FIGS. 10-12.
  • the preferred web application interface 154 provides a number of functions or routines for users to access via an Internet (web) connection, if desired.
  • functions that are provided in the preferred embodiment via a web interface include enrollment 351 (see e.g. FIG. 37); editing a mobile client 353 (see e.g. FIGS. 37B, 37D); editing credit card and/or bank accounts 355 (see e.g. FIGS. 38A-38D); editing or adding a payee 357 (see e.g. FIGS. 39A, 39B); initializing a mobile client 359 (see e.g. FIGS. 37A, 37C); and unlocking a mobile client 361 (see e.g. FIG 37A). Details of the preferred software routines are provided in connection with the referenced figures.
  • the preferred input/output interface 154 may be replaced with an alternative embodiment of the interface 154', which provides a different web user interface functionality and display, as described in connection with FIGS. 40-42.
  • FIG. 4 is a flowchart of the main program 335, which is one of the software modules of the mobile device or "Mobile Wallet" software 400 that runs on a mobile device 12 in accordance with aspects of the invention.
  • the mobile device main program 335 in the disclosed embodiment, is the main program loop of the mobile wallet software 400 that coordinates the operations of the other mobile device software modules including the mobile device input/output interface 331, a security manager module 333, a mobile device storage module 337, and a mobile device communication interface module 339.
  • a mobile device user turns on his/her mobile device, reviews any recent text messages (in some embodiments), navigates to or "launches" the mobile device application 400 by initiating the operation of the mobile device main program 335, views the displays generated by the program, and interacts with the program to provide commands and inputs, e.g. to view a bill, or select a payment source, or make a payment.
  • a user may launch the mobile device application 400 in response to receipt of a text message indicating that a new bill is available to be paid (or other message from the MFTS), or may independently launch the mobile device application to invoke a function of viewing a bill, paying a bill, etc.
  • a first step 405 involves the mobile device checking whether a text message (SMS) has been received.
  • SMS text message
  • a text message is sent by the MFTS to a mobile device to inform the user that a new bill has been received and can be paid, or that a payment has been received from another user. See FIG. 15 and 20 in this regard.
  • a received text message may or may not be related to the MFTS or any functions thereof. However, any unrelated text messages will be ignored for the purpose of discussion here and it is assumed that all messages received are related to the MFTS and its operations. It will also be understood that in some mobile devices text messages are received by an independent process or module and stored in memory for access by other processes, while text message receipt and processing could be optionally incorporated as an integrated function within the mobile device software 400. If a text message relating to an MFTS function has been received, whether by an independent process in the mobile device or integrally within the application, at step 460 the user may open the text message and determine what to do in response to the message.
  • the user may elect to download the mobile device software (e.g. download the Mobile Wallet software), if they are not currently an enrolled user.
  • the user will be provided with information as to how to access and download the software. More information is provided about enrollment elsewhere in this document. The user would be required to download the Mobile Wallet software and execute it on his/her mobile device before any of the other functionality in FIG. 4 can be invoked.
  • step 460 the program loops to step 490 to look for an exit (terminate) command or event, and can loop back to step 405 in a continuous loop and repeat the operations.
  • step 405 if no text message is received, the program control passes to step 410, where the user may elect to activate the mobile wallet software 400 and utilize the functions provided thereby. If not (i.e. there is no user command to enter the mobile wallet software at step 410), control loops back to test for text messages and/or activation of the mobile wallet software.
  • the program loops continuously awaiting user input of a selected function, which includes an "exit" command as shown at step 490.
  • the user may choose to invoke or run the following functions provided by the mobile device main program 335:
  • step 420 View payment sources and balances as shown in step 420 (see FIGS. 13 and 14 for further discussion);
  • view inbox payments step 450
  • view outbox payments step 455
  • a listing of incoming payments from other users inbox payments
  • a listing of outgoing payments that have been generated and sent from the mobile wallet software is maintained in the mobile device while the payment is pending, for viewing independently of the operation of the mobile wallet software.
  • step 490 the mobile device application proceeds to step 490 and either loops back to test for input of another user function or exit. The user can either continue further operation of the mobile device application or terminate the application. If the user decides to continue, the mobile device application returns to step 405 to check text messages or continue operation of the mobile wallet application.
  • FIG. 5 is a flowchart of the MFTS main program 350, which is one of the MFTS software modules 500 that runs on a computer system or server in an MFTS 18 in accordance with aspects of the invention.
  • This main program 350 coordinates the other programs and functions of the MFTS as shown in FIG. 2, e.g. MFTS mobile device communication interface 150, SMS generator 151, web applications 153, FSP communication interface 156, bill presentment interface 155, accessing and maintenance of the user database 158, etc.
  • the MFTS main program 350 in the disclosed embodiment, is the main program loop of the MFTS software modules 500 that coordinates the operation of other software modules associated with and forming a part of the MFTS 18.
  • the MFTS 18 operates continuously to monitor for inputs from various sources.
  • the primary inputs come from user enrollment, where a user inputs information to establish an account or relationship with the MFTS system operator, from mobile devices as users view and pay bills, from communications with billing entities, financial institutions, and/or FSPs to receive bills to pay, provide payment instructions to such institutions and partners, and receive information such as account balances and payment confirmations.
  • the software 500 is preferably constructed to run on a computer server in a multi-threaded, multi-tasking, web-enabled, secure, real-time 24/7 computing environment, that is message-driven by the various entities with which the system communicates.
  • the process for the MFTS main program 350 starts with determining that an input from an associated entity (e.g. user via mobile device, user via web interface, FSP, etc.) has been received and must be processed.
  • the system determines at step 505 if an input has been received from the mobile device communication interface 152, at step 510 if an input has been received from a web application 154, at step 515 if an input has been received from the bill presentment system interface 155, and at step 520 if an input has been received from a financial service provider (FSP) interface 156.
  • the program 350 then branches to or executes to an appropriate routine or interface to carry out the specific function associated with the incoming message.
  • routines or interfaces comprise (a) handling communications and messages with a bill presentment service via the bill presentment interface 155; (b) handling communications and messages with a web-accessing user or administrator via the web application interface 154; (c) handling communications and messages with mobile devices via the mobile device communication interface 152; (d) handling communications and messages relating to a person to person (P2P) type payment through a person to person payment service 375; (e) handling communications and messages relating to financial accounts of a user via a financial account service 545; and (f) handling communications and messages relating to financial service providers (FSPs) via the FSP communication interface 156.
  • P2P person to person
  • FSPs financial service providers
  • a mobile device user may wish to enroll as a registered member of the MFTS, after receiving a payment from a registered user, or at his/her own will.
  • the user may access a web site designated by the MFTS using his/her computer connected to the Internet and web browser to use the web application.
  • the web site may contain information related to the services and benefits the MFTS provides and a specific page for user enrollment. If the user decides to enroll, he/she then accesses the web application, which is effected by the web application interface 154, and selects a function to perform.
  • typical web-accessible functions provided to a user include the following:
  • Editing a mobile client including adding, editing, viewing and deleting a mobile client (see FIGS. 37B and 37D for a preferred embodiment and FIG. 40 for an alternative embodiment);
  • Editing credit card and/or bank accounts including adding, editing, viewing and deleting credit card and/or bank accounts (see FIGS. 38A-D for a preferred embodiment and FIG. 42 for an alternative embodiment);
  • Editing a payee including adding, editing, viewing and deleting a payee (see FIGS. 39A-B for a preferred embodiment and FIG. 41 for an alternative embodiment);
  • Initializing a mobile client including downloading software to a designated mobile device, setting up a password, and activating the mobile device (see FIGS. 37A and 37C for a preferred embodiment);
  • the MFTS 18 includes a storage/database (DB) interface 377 for storing and retrieving data to and from the MFTS user database 158.
  • This database 158 stores two primary categories of data: user data and transaction data.
  • User data comprises information about individual users of the system including their respective payees, financial institutions, and accounts.
  • Transaction data comprises information that is specific to a particular transaction of a particular user, e.g. when a user provides the system with an instruction to pay a particular bill.
  • the transaction information is a record of each transaction that is initiated by a user.
  • Both the transactions data and user data are stored in tables in the user database 158 arranged in a particular format or schema in accordance with aspects of the invention.
  • FIG. 6 illustrates database schemas (data table layouts) for the user database
  • the user database 158 comprises several data tables that are related: a master user table 610, a user financial accounts table 620, a financial service provider (FSP) table 630 and a payees table 640. These tables store data associated with users, accounts of users, financial service providers (payment sources) associated with users, and payees associated with users. As is known to those skilled in the art, database tables typically comprise a plurality of records, each record containing one or more fields or items of data that are associated.
  • FSP financial service provider
  • a "record,” in database parlance, is a single instance or data item, usually consisting of a collection of one or more fields or sub-items of information, each field or sub-item typically having a field identifier in a schema that identifies what the information in the field represents; an array or collection of multiple records is often referred to as a "table” or a “database.”
  • Databases or tables often include one or more index fields or items that allow rapid access to a particular record so that the record may be identified, retrieved, and utilized in a transaction or updated with new information as needed.
  • the master user table 610 comprises a set of information (a record) for each registered MFTS user. In one aspect of the invention as shown in FIG.
  • the set of information comprises a user identifier or user ID, a name (e.g. the full name of a user), a user name (e.g. a login name associated with a user), and other information that allows a particular user of the system to be identified as enrolled for use of the system.
  • Further information that can be included in the user table 610 comprises an account number (e.g. an account number of a user with an entity that operates the MFTS), the user's contact information such as mailing address, residential phone number and mobile phone number, phone number for the mobile device associated with the MFTS, email address and password, etc.
  • a mobile device will typically provide a user identifier in some form to the MFTS, upon login of the user, so as to allow the system to authenticate the user for purposes of using the system to make payments, view bills, obtain real time account balances, etc. in accordance with various aspects of the invention.
  • the set of information in the master user table 610 preferably further comprises pointers to entries in a user financial accounts table 620, a financial service provider table 630, and a payee table 640 associated with the user.
  • a "pointer" in a database is information that allows a computer program module to locate and retrieve related information in another table in the database.
  • each user may have a plurality of financial accounts and a plurality of financial service providers for such accounts.
  • the user financial account table 620 comprises information about one or more accounts of a user with at least one financial institution or financial service provider (FSP), which information includes the user's account number with a particular financial institution, the financial account type (e.g. checking, savings, credit card, money market, etc.), the account number of the user in his/her financial institution, an index or pointer to a particular financial institution (shown as "FSP ID" (provider number) or provider in the financial service provider table 630, etc.
  • FSP ID provider number
  • Other information relating to identification and/or utilization of a user's financial accounts may also be stored and is contemplated.
  • the financial service provider table 630 comprises information corresponding to one or more financial service providers associated with a user.
  • the table includes information including but not limited to an index number and/or identifier (ID) associated with an associated financial account in the user financial account table 620, the provider's name and/or nickname, type of service provided (e.g. a bill presentment service, a bank, a credit facility, etc.), an account number with the financial service provider (not shown), associated password (not shown), account holder's contact information, verification data, etc.
  • ID index number and/or identifier
  • Payee information is stored in a payee table 640.
  • Payee information is information that is needed to identify a particular payee to whom a payment is or may be sent, and how that payee should be paid.
  • a plurality of payees can be set up for each user of the MFTS.
  • Payees may be billing entities that provide services such as water, gas, electrical power, communication services such as local phone or mobile phone services, mortgage, credit card, and/or other companies providing monthly bills or otherwise providing bills on a regular basis.
  • payees may also be an individual (e.g. a user's peer, colleague, acquaintance, relative, etc.) to whom a user may have an occasional payment obligation.
  • the payee table 640 comprises information relating or associating a particular user to one or more payees, including an account number or identifier associated with the user of the MFTS that ties that payee to a particular user, a payee number or identifier (e.g. payee ID) that identifies the payee, an account number associated with the payee, payment periods, payment authorization, etc.
  • a payee number or identifier e.g. payee ID
  • Other information relating to identification and/or utilization of a user's payees may also be stored and is contemplated.
  • a particular payee associated with a user is identified in the payee table 640, through provision of information to the MFTS through a mobile payment instruction, which causes the MFTS to access the table 640 to obtain information about the payee so that a payment can be made to that payee.
  • a transaction table 710 is maintained in a transaction database 705 for storing information relating to mobile transactions such as payment source balance inquiries, payment to make inquiries, and payments made by a user.
  • a transaction database 705 for storing information relating to mobile transactions such as payment source balance inquiries, payment to make inquiries, and payments made by a user.
  • each payment or each inquiry transaction from a mobile device results in creation of at least one record that is stored in the transactions table, for purposes of creating an audit trail, a dated record of transactions, and facilitating database commit and rollback operations.
  • Each transaction record comprises information including but not limited to: a transaction identifier (a unique identifier), date and time stamp for the start and end, user name or ID, or both, selected one or more transaction-related financial institutions, their names, or nicknames, or coded identifiers, selected account, the nature of the transaction, timers for synchronized responses, balance amounts for each account related to an inquiry, balance due amount related to a bill inquiry, payee name or coded identifier, or both, payee phone number, amount paid, status flag relating to a payment as pending/complete.
  • a transaction is typically initiated at a mobile device, but can also be initiated by the user 12 using the web application.
  • the transaction is sent to the MFTS.
  • the MFTS processes the inquiry or payment, creates a transaction record 715 corresponding to the transaction in a transaction table 710 of the transaction database 705, stores the record in the transactions table 710, creates a MFTS payment instruction (MFTSPI) for a selected particular financial institution or payment source (PS), and transmits the MFTSPI to that financial institution or PS.
  • MFTSPI MFTS payment instruction
  • PS payment source
  • the corresponding transaction record 715 in the table 710 is updated to indicate that the payment has completed, e.g. by changing a status flag from pending to complete.
  • the record for a completed transaction is moved to a log file according its completion time for archive. Other information relating to transactions and their status may also be stored and is contemplated.
  • FIGS. 8-9 The mobile device application flowcharts are shown in FIGS. 8-9 according to embodiments of the present invention.
  • a mobile device communication interface 339 is used to facilitate the communication between the mobile device main program 335 and the mobile device radio hardware 343.
  • the mobile device communication interface 339 communicates with the MFTS mobile device communication interface 150 in the MFTS 18 via wireless communications through the MCSP 110.
  • a flowchart of the MFTS mobile device communication interface 150 is shown in FIG. 8. It will be understood that this process 150 on the MFTS side communicates with similar processes in the mobile device, via the mobile device communication interface 339 in a mobile device.
  • the MFTS mobile device communication 150 interface first establishes communication link to the mobile communication service provider (MCSP) the user subscribed in step 805.
  • the mobile device communication interface is set up between a mobile device and the MCSP and the interface receives data communication from both sides.
  • the mobile device communication interface 150 comprises a continuous loop shown in step 810 to check if any new message is received from either the MCSP or a mobile device. If no message is received, the loop continues until a new message is received.
  • the mobile device communication interface 150 When the mobile device communication interface 150 receives a message, it checks in step 815 to determine where the message comes from by checking the sender/receiver information. If the message comes from a mobile device that is requesting information from the MFTS server, the mobile device application proceeds to step 840 to add a task to processing queue and set a timer to wait for a response from the MFTS server through the MCSP in step 845. The mobile device communication interface waits until it receives a response from the MFTS server or the timer times out, whichever comes first. If the mobile device communication interface receives a response within a predetermined timeout period, the message is sent to the mobile device in step 850.
  • step 850 and step 820 converge in step 825 to extract a subset of information from the message or the response received from the MCSP.
  • the information extracted in step 825 is sent to the user's mobile device for display in step 830.
  • the mobile device communication interface goes back to wait for next message in step 860 until the user turns off the mobile device and terminates the mobile device application.
  • a user 12 with a suitable mobile device 15 must register for service with an entity that operates an MFTS 18 constructed in accordance with exemplary aspects of the invention.
  • This registration process necessarily involves the input and storage of important personal and financial information about the user either manually or via external system.
  • Safety and security of the personal and financial information mandates that the MFTS 18 provide security guarantees and measures from MFTS administrators.
  • the disclosed MFTS 18 implements strong security measures on both ends of the mobile communication: (1) at the mobile client, and (T) at the MFTS server system itself.
  • one or more of the following security measures are implemented in the MFTS 18 with respect to communications with mobile devices:
  • the mobile application is delivered (e.g. by downloading) into a mobile device via a secure wireless delivery method.
  • the mobile application is constructed as a wirelessly-deliverable or downloadable application or "applet" that is downloaded into a mobile phone from a central site, e.g. from the MFTS 18.
  • a central site e.g. from the MFTS 18.
  • One known secure delivery methodology is the BREWTM wireless content delivery platform for CDMA communication technologies provided by Qualcomm, Inc. Details of the application development and delivery methodology for Qualcomm-compatible mobile devices are available from the manufacturer.
  • J2ME Java 2 Micro Edition
  • the JAR file used to distribute the mobile client application is digitally signed with a code signing digital key issued to the MFTS 18 by an authentication process, e.g. a digital key process provided by VeriSign, Inc. This allows users to verify the authenticity of the mobile client application. Details of the mobile security techniques provided by VeriSign are available in the literature and web site of VeriSign, Inc.
  • SSL communication to MFTS Server Those skilled in the art will understand the significance of security for communications between users and the MFTS 18 via either a mobile device or via the web interface. Accordingly, preferably all HTTP communications to the server in the MFTS 18 are via HTTPS, i.e. secured via the known Secure Sockets Layer (SSL) protocol.
  • SSL Secure Sockets Layer
  • SSL is a protocol developed by Netscape Communications Corporation for transmitting private documents via the Internet. SSL uses a cryptographic system that uses two keys to encrypt data - a public key known to everyone and a private or secret key known only to the recipient of the message. Details of the SSL security protocol are available from the manufacturer.
  • WTLS Wireless Transport Layer Security
  • SSL Secure Sockets Layer Security
  • WTLS may not be as secure as the SSL protocol, because it uses weaker encryption algorithms and several exploits have been identified for the protocol.
  • data communicated with WTLS is decrypted at the WAP gateway and re-encrypted via SSL to the destination host, which provides an opportunity for compromising the WAP gateway to intercept sensitive transmissions.
  • the MFTS mobile client application preferably makes a direct SSL connection to the MFTS server and is not as susceptible to the security issues plaguing WTLS and WAP applications. It will therefore be appreciated that if HTTPS is used for all Communications between the mobile client and the MFTS server, the underlying mobile data transmission technology such as GPRS and CDMA between the mobile device and the MFTS should have no significant bearing on the security of the data for transactions.
  • a unique digital key is issued to each client (mobile device) for use in digitally signing all communications to the MFTS server.
  • PIN Required to Unlock Client further security for the mobile device 15 is provided by requiring the user to enter a PIN to unlock the mobile client each time it is launched. This prevents use of the application if the phone is stolen or "borrowed”. PIN lockout is also preferably implemented on the mobile client so that the client will lock down after several failed login attempts and not permit further attempts until the client is unlocked by the user contacting support or logging into the MFTS system (e.g. via the web application) and invoking a procedure to unlock the mobile client. This prevents efforts to use "brute force" to guess the PIN. It will be appreciated that the combination of a PIN and the digital certificate creates a two-factor authentication mechanism for use of the mobile wallet software 400 on a mobile device.
  • Mobile Client Deactivation in Event of Theft or Loss If the user's mobile device is stolen or lost, the user can access the MFTS 18 via the web application to deactivate the mobile client. This will prevent further communication between the mobile client and the MFTS and delete all demographic information from the mobile client about the user's mobile wallet.
  • Encryption of Data Placed in Local Storage All data placed into local storage on the mobile device 15 is preferably encrypted. This insures that if the mobile device is lost or stolen, the data stored in the mobile client in local storage is unreadable.
  • the mobile device does not store full information regarding the user's accounts, banks, account numbers, etc., but only stores a reduced set of information, represented by codes, the risk of compromise of the user's confidential information is reduced.
  • the mobile device only stores information indicating that a user has an account e.g. My Checking or xxxxxx2125), but the user's account number is stored in the MFTS 18, not in the mobile device.
  • This aspect is believed to be a particular advantage of the architecture of a mobile financial transaction system constructed in accordance with the present invention — providing and storing a reduced subset of information in the mobile device, with more complete information stored in a secure server, enhances the overall security for mobile transactions.
  • Verification of Phone Number Possession further security is provided by verification that a payment instruction originates from a particular mobile number associated with a user.
  • This security measure is implemented in the disclosed embodiment by providing the mobile number associated with the mobile device as a part of the mobile payment instruction (MPI) to the MFTS 18, preferably encrypted together with other information of the MPI.
  • the MFTS is responsive to the MPI to parse out the mobile number and determine if the payment instruction has originated from a mobile number that is consistent with both the account identified as a payment source (PS), as well as the name of the payee as having already been entered and stored in the payee table in the user database.
  • PS payment source
  • an SMS containing a predetermined verification code is sent to the phone number entered when setting up the mobile client.
  • This code must be entered by the user when online at the user site web application 153 to successfully initialize a mobile client for operations. This prevents a person from registering a phone number they do not have possession of with the intent of committing fraud.
  • One Time Password Used to Initialize Mobile Client Still further security is provided by requiring entry of an initialization code or password the first time the mobile client is run to trigger the generation and installation of the client's digital certificate.
  • This initialization code is a one-time expiring one time password that is presented to the user at the user site web application 153 during the initialization process for the mobile client. This process establishes a difficult-to-forge link between a user account and an instance of the mobile client on the user's mobile device.
  • Mobile Client Initialization The following steps describes the best mode currently contemplated for a process of user enrollment in a system constructed in accordance with exemplary aspects of the invention and installing the mobile client:
  • a user with an Internet-accessible computer navigates to the Internet-accessible user site web application 153 in their browser and completes the enrollment form displayed by the web application.
  • the user provides the requested information by entering information into appropriate fields in the data form displayed.
  • enrollment could be implemented by a third party enrollment system with whom the MFTS system operator maintains a relationship, e.g. an associated financial service provider.
  • the user accesses a mobile client management section of the user site web application 153 and adds a new mobile client.
  • addition of a new mobile client could be implemented by a process provided by a third party with whom the MFTS system operator maintains relationship, e.g. an associated financial service provider or mobile communication service provider.
  • the user then enters the phone number of the mobile device on which he/she wishes to install the mobile client and clicks an initialize button.
  • Another step involves generation of a verification code to activate the mobile client on the mobile device: (a)
  • the MFTS 18 sends an SMS to the phone number specified; this SMS contains a verification code. The user is then prompted by the mobile application to enter the verification code to activate the mobile client to conduct transactions.
  • the user views the verification code in the SMS and enters the verification code into a browser verification screen at the user site web application 153.
  • the mobile phone with verification code will be in the user's immediate possession during enrollment. The user then clicks a "verify” button to activate the mobile application.
  • Another step involves generation of an initialization code and downloading of the mobile application into the mobile device (for a new installation of the mobile device software):
  • a user with Internet access to the user site web application is next presented with an initialization code for the mobile client.
  • This initialization code is later entered into the mobile device (see below) upon prompting, for activating the mobile client.
  • the MFTS 18 sends the mobile device a second SMS that contains a clickable link for downloading the mobile client. The user then clicks the link and downloads the application into the mobile device.
  • the mobile client After the mobile client is finished downloading into the device and activated by the user, it will present a screen prompting for the initialization code. The user will then key in the initialization code into the mobile client.
  • the initialization code is then communicated from the mobile device 15 to the MFTS 18, to be used for device and mobile client authentication.
  • a valid initialization code is received by the MFTS 18, a unique digital key is placed onto the mobile client.
  • the mobile client Upon receipt of a digital certification from the MFTS 18, the mobile client then prompts the user to enter and confirm a PIN.
  • the mobile device After the PIN is received and stored, the mobile device is ready for use, and displays a main menu screen that allows entry of billing entities, payment sources, viewing of balances in accounts that were previously entered by the user via the user site web application 153, etc.
  • various security measures are implemented in the MFTS 18 by various software routines appropriate for the various entities with which the MFTS communicates.
  • One or more of the following security measures are implemented in the preferred MFTS 18:
  • Web Applications Require SSL Preferably, all externally accessible web applications that run at the MFTS 18 (e.g. the web applications 154 including User Site 153 and the Admin Site 157) only permit SSL secured connections. If a user tries to initiate a plain HTTP connection to one of the web applications, it will be redirected to an HTTPS connection.
  • Passwords for web application logins preferably must meet stringent complexity requirements.
  • Password protection can be implemented at various stages of the operation.
  • Account Lockout and Password Reset Preferably, but optionally, accounts will be locked out after several failed login attempts to the user site web application 153. Users whose accounts have been locked out will have to activate an Account
  • Unlock function provided at the user site 153 and enter the correct reply to a password reset question they established during enrollment to unlock the client and reset their password. If the user is unable to remember the correct reply, they will have to contact a customer service facility (web site, representative, etc.) to have their account unlocked and password reset.
  • Interfaces to FSPs are preferably secured with mechanisms appropriate to the nature of the interface and/or as required by the particular FSP. Any interface using the public Internet for data transmissions is preferably secured via encryption and authentication requirements that are acceptable in the financial services industry. Details of security requirements for communications with particular FSPs should be obtained from the FSP.
  • the MFTS software 500 comprises various program modules including the main program 350 (FIG. 5) and various communication interfaces for handling communications and functions associated with the various entities involved in a system constructed in accordance with the disclosed aspects of the invention.
  • Other software or program modules include an MFTS mobile device communication interface 150, a web application interface 154, a financial service provider communication interface 156, and a bill presentment interface 155.
  • Further software routines include a P2P service 375, an SMS generator 151, and a financial account service 379.
  • the MFTS mobile device interface software 150 preferably runs as a continuous independent process on the MFTS server computer, asynchronous to other processes, and provides for handling of communications and messages between the MFTS 18 and the mobile devices of users.
  • interface we mean a computer program or routine 150 and associated hardware such as a communications component or storage element that is driven by the program.
  • the interface 150 handles messaging between the various processes in the MFTS 18 and mobile devices, for example, when a user at a mobile device generates a command to "View Bills" or "Pay Bills,” that command is received over a wireless network and processed by the MFTS mobile device communication interface 150 as described herein, to cause the MFTS 18 to carry out functions in accordance with the invention.
  • the first step taken is for the interface to establish communication with a mobile communication network, that is, with particular mobile communication service providers (MCSP), so that communications between the MFTS 18 and mobile devices that subscribe for service with particular networks may be established.
  • MCSP mobile communication service providers
  • this is an initialization process that involves determination of appropriate protocols for communications with a specific MCSP and establishing contact with an MCSP by exchanging messages in a manner corresponding to the communication protocol.
  • the interface tests at step 810 for receipt of a message either incoming from a mobile device or from another process within the MFTS 18, for example, if a billing entity or bill presentment system provides information about a new bill for a particular user.
  • the interface determines whether an incoming message is a task- initiating message (for example, from a mobile device in an affiliated mobile network) or is a message from another MFTS process (for example, a response message from the FSP interface 156). If the incoming message is a task-initiating message, the interface process proceeds to step 840, where a new processing task is created and added to a processing queue for the interface 150.
  • a processing task derived from a mobile device incoming message may be a mobile payment instruction (MPI), or a "View Bills" instruction, or a "Balance Transfer,” or other of the various functions of the mobile wallet.
  • MPI mobile payment instruction
  • View Bills or a "Balance Transfer
  • a processing task will generate a new transaction record that is stored in the transaction table in the user database 158.
  • a new transaction record (if appropriate for the incoming message) is created and stored in the transaction database.
  • the interface sets a timer (a predetermined time period) appropriate for the particular task and process, and initiates a timing loop. Control then passes to step 850, where the interface tests for expiration of the predetermined time period. If the timer has expired, an error condition has occurred (the task added to the queue has not been properly processed in time), and at step 855 an error message is generated and sent to the user's mobile device that triggered the task.
  • control from step 850 passes to step 860, where the transaction record created in conjunction with the incoming message is updated with any information that resulted from processing the queued task. For example, if the task involved making a payment using a particular payment source to a particular payee, and the payment is accepted and timely handled by the selected financial service provider, the transaction record is updated to indicate confirmation of the payment.
  • MFTS mobile device communication interface 150 determines that an incoming message is from another MFTS process (e.g. a response message or other non-task-initiating message), control passes to step 820, where the message is processed.
  • a message from another MFTS process could be a message provided by a billing presentment system that a new bill for payment has been received for a particular user, or a message provided by a financial service provider with information as to balances available in particular accounts for a particular user.
  • a message from various other processes and associated entities may include information that is not required by the mobile device interface, i.e. only a reduced set of information is to be provided to the mobile device.
  • a financial service provider (FSP) 30 may provide information about a user's financial accounts that is more comprehensive (i.e. "excessive") than required for display and handling on a mobile device, in that all of the information from the FSP is not needed or desired for display on the mobile device.
  • a reduced set of information appropriate for display on the mobile device is prepared for sending to the mobile device as a message.
  • a subset of information that was received and/or stored in the MFTS is prepared for transmission to a selected user's mobile device.
  • Control passes from step 825 to step 860, where any corresponding transaction records associated with the message (if any) are updated with information from the message of the MFTS process. Then, at step 870, an appropriate message to the mobile device corresponding to information in the message processed (step 810) is prepared for transmission to the mobile device. The process 150 then loops back to process any other messages that may have arrived.
  • step 870 the process 150 loops back to step 810 to process another incoming message.
  • the MFTS mobile device communication interface 150 is operative to process messages from either mobile devices or from other MFTS processes, communicate relevant information in the form of tasks for processing by other MFTS processes, update any corresponding transaction or user database records, and/or communicate appropriate return messages to a user's mobile device or other message- delivering sources.
  • the financial service provider (FSP) interfacel56 preferably runs as a continuous independent process on the MFTS server computer, asynchronous to other processes, and provides for handling of communications and messages between the MFTS 18 and the financial service providers of users.
  • FIG. 9 shows exemplary steps of an interface for communications between the MFTS 18 and one or more FSPs 30, it should be understood that a similar methodology is employed for the bill presentment interface 155, the financial account service 379 (for third party user authentication), the P2P service 375.
  • AU are similar continuous, independent asynchronous computer-implemented processes that receive messages from either another MFTS process or from a third party connected for communications with the MFTS, process those messages by determining an appropriate destination (e.g. storage of data in the user database 158 to update user information or to create or update a transaction record, communication to a mobile device, etc.), and forwarding processed information to such destinations. Accordingly, the discussion of FIG. 9 will be understood as generally applicable to other communication interface processes, except as noted.
  • the first step taken is for the interface 156 to establish communication with a financial service provider (FSP) 30 so that communications between the MFTS 18 and the FSP may be established.
  • FSP financial service provider
  • this is an initialization process that involves determination of appropriate protocols for communications with a specific FSP and establishing contact with an FSP by exchanging messages in a manner corresponding to the communication protocol.
  • the interface tests at step 910 for receipt of a message either incoming from a mobile device (via MFTS the mobile device communication interface 150) or from another process within the MFTS 18, for example, if a user has initiated a transaction via the web application interface 154.
  • the interface determines whether an incoming message is a task- initiating message or is a return/response message from an FSP 30.
  • a task-initiating message is a message that causes the interface to initiate a communication to a particular FSP 30, for example from a mobile device (MFTS mobile device communication interface 150) or from another MFTS process such as a web application initiated payment instruction. If the incoming message is a task-initiating message such as from a mobile device, the interface process proceeds to step 940, where a new processing task is created and added to a processing queue for the interface 156.
  • a processing task derived from a mobile device incoming message may be a mobile payment instruction (MPI), or a "Pay Bill” instruction, or a "Balance Transfer,” or a "View Payment Sources,” or other of the various functions of the mobile wallet.
  • MPI mobile payment instruction
  • a typical new processing task is in the form of a MFTS payment instruction (MFTSPI) that is communicated to a selected FSP 30, so as to instruct that FSP to make a payment on behalf of a user, using a selected account as payment source (PS).
  • MFTSPI MFTS payment instruction
  • a processing task derived from a mobile device incoming message generates a new transaction record that is stored in the transaction table in the user database 158. It will be understood that information from this transaction record is utilized in the processing task for the queue in interface 156, for example, in assembling the information required for the MFTSPI to the selected FSP 30. Further, it will be understood that the transaction record is updated if necessary with information from the FSP upon receipt of a response.
  • step 945 the interface sets a timer (a predetermined time period) appropriate for the particular task and process, and initiates a timing loop. Control then passes to step 950, where the interface tests for expiration of the predetermined time period. If the timer has expired, an error condition has occurred (the task added to the queue has not been properly processed in time), and at step 955 an error message is generated and sent to the process that triggered the task.
  • a timer a predetermined time period
  • control from step 950 passes to step 960, where the transaction record created in conjunction with the incoming message is updated with any information that resulted from processing the queued task. For example, if the task involved making a payment using a particular payment source to a particular payee, and the payment is accepted and timely handled by the selected financial service provider, the transaction record may be updated to indicate confirmation of the payment. As discussed in connection with FIG. 8, the MFTS mobile device communication interface 150 may be responsible for updating the corresponding transaction record, but it will be appreciated that other circumstances may require that the FSP communication interface update a transaction record.
  • Other information associated with the task and received from the FSP may also result in updating other records in the user database 158, e.g., the addition of a new account of a user with a selected FSP will require addition of a record in the user financial accounts table 620 (FIG. 6), or a closed account status of a particular FSP with a user will require updating (or deletion) of a record in the financial service provider table 630 (FIG. 6).
  • a payment confirmation message is sent to the user's mobile device.
  • messages of this type such as a confirmation message is in the form of a message passed to the MFTS mobile device communication interface 150.
  • step 970 the process 156 loops back to step 910 to process another incoming message.
  • the FSP communication interface 156 is operative to process messages from various MFTS processes (such as from the MFTS mobile device communication interface 150), communicate relevant information to a selected FSP, receive a response message, update any corresponding transaction or user database records, and/or communicate appropriate return messages to a user's mobile device or other message-delivering source.
  • the web application interface 154 preferably runs as a continuous independent process on the MFTS server computer, asynchronous to other processes, and provides for handling of communications and messages between the MFTS 18 and users who access the MFTS via the Internet 120 using a web browser on a computer 140 (FIG. 2), as opposed to a mobile device.
  • the web application interface serves as the main program loop for displaying an Internet- accessible web page (such as the User Site shown in FIG. 37) for user access to the MFTS 18 via the Internet to conduct transactions, view account history, add payees, add financial institutions and accounts, etc.
  • the web application interface 154 provides for several primary web-accessible functions including enrollment of a new user, editing a mobile client, editing credit card or banks accounts, adding a new payee or editing information about a payee, initializing a mobile client, unlocking a mobile client, and other operations.
  • the first step taken by the web application interface software 154 is to initialize the interface so that it is ready to communicate with users via the Internet.
  • initialization operations entail initializing any associated hardware so that it can send and receive TCP/IP packets that are conventional for Internet communications.
  • Control passes to step 1010 where the process loops awaiting receipt of TCP/IP packet(s) from a web browser of a user or prospective user who navigates to the User Site.
  • control passes to step 1015, where the packets are received and parsed to determine their contents.
  • a login operation i.e. user authentication and session establishment
  • the web application interface 154 provides return packets to the user corresponding to display of a web page appropriate for the state of the current session with the user. For example, if the user is initially logging in for authentication, a conventional user login screen for entry of username and password (not shown) is provided. As another example, if the user is in the process of managing information about their mobile device, a User Site screen such as shown in FIG. 37A is displayed. As another example, if the user is adding or editing information about a mobile device, a User Site screen such as is shown in FIG. 37B is displayed.
  • the interface stores any received information from the user and generates any message(s) that would be required for delivery to other processes or interfaces in the MFTS 18.
  • the user's input may require updates to certain tables in the user database 158, or may require generation of a payment instruction or a "View Bills" command that requires a communication to a financial service provider 30.
  • the web application interface 154 provides for several web-accessible functions such as enrollment of a new user, editing a mobile client, editing credit card or banks accounts, adding a new payee or editing information about a payee, initializing a mobile client, unlocking a mobile client, and other operations.
  • One of these exemplary functions is the enrollment of a new user, i.e. a person must be registered or enrolled to use the service provided by the operator of the MFTS.
  • a new user can access the MFTS 18 via the Internet and provide information to the system for enrollment for service.
  • the new user web application 1100 is exemplary of a process that is subsidiary to the general web application user interface 154 of FIG. 10, in that the process of FIG. 11 utilizes the web interface 154 for interactions with the user via the Internet, but the steps of FIG. 11 are specific to the process of enrolling a new user. Specifically, it will be understood that a new user will not pass the authentication step in FIG. 10, and will typically be presented with a "new user" web page that includes controls that allow a user to input personal information and configure an account.
  • the MFTS generates an "enroll new user" web page (not shown) that includes information needed by the new user and provides for controls and data entry fields for entry of information required by the MFTS to enroll a new user.
  • the new user enters information prompted on the "enroll new user" web page, for example, name, address, telephone number, email address, and other information.
  • the enrolling user must also enter certain information about billing entities (i.e. payees), financial institutions or financial service providers (FSP) 30 with whom the new user maintains a relationship and accounts, and information about specific accounts maintained with such financial institutions or FSPs that can be selected as a payment source.
  • billing entities i.e. payees
  • FSP financial service providers
  • step 1115 the system test for a user command to edit information about a billing entity or a payment source. If the command is associated with a billing entity, control branches to step 1120, where the system tests for a command to enter a new billing entity or to edit information about an existing billing entity (for example, if one or more billing entities have already been entered for this enrolling new user at this point in the processing).
  • step 1120 if a command has been received to enter information about a new billing entity, control passes to step 1125 for receipt and storage of information about new billing entity or payee. It will be understood that information about a billing entity is stored in the payees table in the user database 158 (see FIG. 6). If no command is received to enter information about a new billing entity, control passes to step 1130 to test for a command to edit an existing billing entity. At step 1130, if a command has been received to edit information about an existing billing entity, control passes to step 1135 for receipt and storage of edited information about the existing billing entity or payee. Upon completion of any billing entity input or editing, control passes to step 1160 and either loops back to step 1115 or tests for user logout.
  • step 1115 the system tests for a user command to edit information about a billing entity or a payment source. If the command is associated with a payment source such as a financial institution or financial service partner, control branches to step 1140, where the system tests for a command to enter a new payment source or to edit information about an existing payment source (for example, if one or more payment sources have already been entered for this enrolling new user at this point in the processing).
  • a payment source such as a financial institution or financial service partner
  • step 1140 if a command has been received to enter information about a new payment source, control passes to step 1145 for receipt and storage of information about new payment source. It will be understood that information about a payment source is stored in the user financial accounts table and/or the financial service provider table in the user database 158 (see FIG. 6). If no command is received to enter information about a new payment source, control passes to step 1150 to test for a command to edit an existing payment source. At step 1150, if a command has been received to edit information about an existing payment source, control passes to step 1155 for receipt and storage of edited information about the existing payment source. Upon completion of any payment source input or editing, control passes to step 1160 and either loops back to step 1115 or tests for user logout.
  • FIG. 12 for a discussion of a registered user web application 1200 that allows a registered or enrolled user to access and use the MFTS 18 in accordance with exemplary aspects of the invention.
  • the registered user web application 1200 is exemplary of a process that is subsidiary to the general web application user interface 154 of FIG. 10, in that the process of FIG. 12 utilizes the interface 154 for interactions with the user via the Internet.
  • the steps of FIG. 12 are specific to the process whereby a registered user uses the Internet to add or edit information about billing entities or payees, and/or information about payment sources. Specifically, it will be understood that a registered user will log in and be authenticated at the authentication step in FIG.
  • the registered user first logs in to the web application and provides his or her login and password information, and is presented with a "registered user" web page containing information specific to the billing entities and payment sources associated with that registered user.
  • FIG. 13 and the figures that follow accompany the following discussion of exemplary display screens generated on a mobile device 15 by a mobile client application, in connection with viewing payment sources and account balances, in accordance with exemplary aspects of the invention.
  • a payer's view is represented by a rectangular screen view with four rounded corners
  • a payee's view is represented by a rectangular screen view with four square corners.
  • a payee's view is provided in connection with certain payment sequences and methods in aspects of the invention, for example certain types of "Pay Teen" payments involve sending a message to a user of a mobile phone (a second user, a user other than the user who is making the payment), display of a text message, and (if selected) downloading of the mobile application into the second user's mobile device.
  • Such payee views have the squared corners in the drawing figures.
  • various methods for selecting a payee are contemplated in various aspects of the inventions, that various methods for communicating the fact of a payment to a payee (e.g. by text message, by display of a message on a payee/user's mobile device, etc.) are contemplated in various aspects of the inventions, that various methods for effecting the payment (e.g. paper check, ACH transfer, stored value card, etc.) are contemplated in various aspects of the inventions, and that various methods for selecting an applicable payment method (e.g. payer selects, payee selects) are contemplated in various aspects of the inventions.
  • various methods for selecting a payee e.g. select payee by name, select by mobile phone number, etc.
  • various methods for communicating the fact of a payment to a payee e.g. by text message, by display of a message on a payee/user's mobile device, etc.
  • various methods for effecting the payment e.g. paper check,
  • a series of user screen views 1300 of a mobile device as the user views the Payment Sources (PS) is presented according an exemplary aspect of the invention.
  • a user is presented with a selection screen on their mobile device, for example screen 1302, allowing selection of an application for execution on the mobile device.
  • "Mobile Wallet” is one of the options of applications.
  • the user can use a stylus, multifunction button, trackwheel, or other navigation input device or control to highlight the selection, or use the numeric keypad to make the selection by numeric entry.
  • the user can use arrow keys on the mobile device to navigate and highlight the "Mobile Wallet" and press “Select” Key to go to the "Mobile Wallet” application.
  • the user may press the numeric "1" key to go directly to the "Mobile Wallet” application.
  • a login screen 1304 is displayed.
  • the user is prompted to enter a predetermined number of digits as a PIN or pass-code to enter the "Mobile Wallet" as a security measure.
  • a login screen 1304 or equivalent functionality can be placed at other locations of the screen or in other situations, as when a user turns on the mobile device, chooses applications, selects "Mobile Wallet", views bills, pays bills, or other appropriate location and/or circumstance.
  • the application selection screen 1302 and login screen 1304 are omitted, but it will be understood that such functionality can be provided if desired.
  • screen 1306 is displayed on the mobile device.
  • This screen 1306 preferably comprises a menu of available options of the Mobile Wallet application according to an exemplary aspect of the invention.
  • the available applications include: (1) View Payment Sources, (2) View Bills, (3) Pay Bills, (4) "Pay anyone", (5) Balance Transfer, and (6) Change PIN.
  • Other functions can also be provided for selection here for various embodiments or implementations.
  • a new screen view 1308 displaying one or more registered payment sources available to the user is shown.
  • a scrolling bar (not shown) may be included on the screen if the screen is not large enough to display all payment sources.
  • the user activates a navigation tool to highlight a payment source and presses "Select" to select a particular payment source. Selection of a particular payment source results in a display of information 1310 relating to the selected payment source, for example the balance(s) of various accounts of the user. For example, screen 1310 shows a current balance, available credit, and available cash advance amount for the user, in connection with the financial service provider's logo to facilitate brand recognition. Display of the financial institution's logo is optional; some model mobile devices may not have graphic capability and may only display the name of the payment source rather than the logo.
  • Screen 1310 also shows exemplary "Back" and "Next” keys or buttons on the screen view that may be used to navigate the available payment sources.
  • “Next” key is pressed, other payment source views, for example screens 1312, 1314, and 1316 are displayed in a sequence, until a "Select” key is pressed.
  • the Discover Card is displayed as selectable payment source as shown in screen view 1312.
  • Other selectable payment sources “Georgia Savings & Loans” and “Bank of USA” are displayed in screen views 1314, 1316 respectively. The account balances and other related information of these payment sources are also displayed with these screen views.
  • the last (most recent) balance information will be pulled from the mobile device 15, as such information is cached in local memory of the mobile device.
  • the mobile client retrieves the balance from offline storage, the date/time of the last successful request to the server will be displayed.
  • the mobile client application is configured so that one particular payment source is automatically selected as a default payment method, for use automatically and by default by the user unless overridden.
  • Screen 1318 reflects selection of a particular payment source (e.g. Bank of USA) as a default payment source.
  • a particular payment source e.g. Bank of USA
  • Screen 1318 preferably provides a prompting message "Use as Default Payment Source?" for confirmation by the user.
  • Other payment sources such as different credit cards, are also available for selection as the default payment source.
  • the selected default payment source will remain until it is changed by the user upon a subsequent execution of the View Payment Sources screen 1308.
  • the system also includes code for the mobile application and/or the User Site that allows a user to change the default payment method on the fly.
  • the user's selection and activation of a View Payment Sources command on the Mobile Wallet application causes the generation of a mobile payment instruction to the MFTS, which responds by requesting real time updated account balance information from the payment sources available to the user and provides such updated account balance(s) to the user's mobile device.
  • updated account balance information includes all types of payment sources including bank accounts, credit cards, credit unions, or any other financial account that can be accessed by a system and with methods as described herein.
  • FIG. 14 is a sequence diagram illustrating a method 1400 for viewing payment sources and account balances according to one exemplary aspect of the invention.
  • the oblong objects across the top of drawing represent entities that communicate electronically via the exchange of signals, messages, data packets, TCP/IP, etc.; that the rectangular boxes along a line extending vertically downwardly from a communicating entity represent steps taken by that entity; that lines with arrows extending between rectangular boxes represent communications directed from one entity to another entity; and that time proceeds in a direction from top to bottom of the drawing figure.
  • This convention is utilized in all sequence diagrams illustrating embodiments and aspects of the invention, unless otherwise noted.
  • FIG. 14 a user's mobile device 15, the MFTS server 18, and various financial institutions (FI) with which a user 12 (not shown) has business relationships such as (FI-I) 3OA and (FI-N) 3ON.
  • communications between the mobile device 15 and the MFTS 18 are provided by a wireless carrier network, not separately shown in the drawing.
  • Communications between the MFTS 18 and a payee, or a payee's financial institutions, or any third party service providers are typically provided by a telecommunication network, an Internet service provider, a dedicated communication path, or any other available secure communication networks, although not separately shown in the drawing.
  • the user opens a "Mobile Wallet" application on the mobile device 15; he/she is preferably required to log in by providing a password or PIN for verification as indicated at step 1404.
  • the password or PIN is entered by the user, is validated locally and the signed, encrypted messages are sent to the MFTS for authentication via an authentication message (AM) 1406.
  • the MFTS 18 validates the login and allows the Mobile Wallet application to execute, for example, by providing a communication or authentication confirmation message (ACM) 1410 back to the mobile device 15 that includes a signal or validation code that allows the Mobile Wallet application to execute on the mobile device 15.
  • ACM authentication confirmation message
  • the user enters an incorrect password or PIN a predetermined number of times in a row, preferably he/she is denied service and the mobile device is locked. In this case the user is required to take steps (not shown) to access the User Site 153 or contact a customer service representative to unlock the mobile device. If password or PIN is entered correctly, the authentication confirmation message 1410 from the MFTS 18 informs the mobile device 15 that the login is valid and launches the "Mobile Wallet" application on the mobile device 15, as shown at step 1412. At step 1414, the user is presented with a screen (e.g. FIG. 13) that allows viewing and selection of payment sources and account balances.
  • a screen e.g. FIG. 13
  • the user can make a selection on screen 1306 (as shown in FIG. 13) to View Payment Sources.
  • the MFTS 18 automatically retrieves account balances for various payment sources (and retrieves bills to be paid), upon login at step 1412.
  • the MFTS retrieves such information in response to specific activation of the corresponding function, e.g. selection of View Payment Source (screen 1306 in FIG. 13) sends a message to the MFTS to cause retrieval of payment source information such as account balances, and selection of View Bills (also screen 1306) sends a message to cause retrieval of payments to make.
  • the mobile device 15 communicates a request to view payment sources and account balances to the MFTS 18, and the MFTS corresponding interacts with the available payment sources to retrieve their respective account information as shown at step 1418 by sending out requests 1420A or 1420B to their corresponding financial institutions 3OA, or 30B.
  • real-time information of all payment source accounts available to the user is collected and sent back to the MFTS as shown at steps 1422 and 1424 through messages 1426 and 1428.
  • FIG. 14 only two financial institutions are shown in FIG. 14 for illustration purposes, it will be understood that the system is operative to communicate with some or all available and registered financial institutions associated with the user.
  • the MFTS 18 collects and accumulates account balance information from the various financial institutions associated with the user, and sends one or more messages 1432 containing this information to the mobile device 15.
  • a collection of account balance information is accumulated and communicated to the mobile device in a single communication.
  • account balance information for a particular financial institution is communicated to the mobile device as quickly as possible after it is received, as the various systems of financial institutions are independent and operate asynchronously with respect to other systems.
  • step 1434 upon receipt of the account balances from financial institutions, information of all registered accounts is provided for the user to view. He/she can then use the navigation controls to view selected payment sources and account balances. The user can also perform other functions such as selecting a default payment method as described in connection with FIG. 13.
  • the login is validated by the MFTS system 18.
  • the MFTS can start to gather information for the user prior to the selection of any Mobile Wallet options.
  • the MFTS system 18 sends out balance requests to part or all of user's billing entities to retrieve up to the minute balance information from these billing entities.
  • the MFTS system 18 sends out payment source information requests to part or all of user's financial service providers to retrieve up to the minute (real time) balance information from these entities.
  • the information retrieved from the billing entities and financial service providers is stored (cached) in a temporary database or memory in the use's mobile device, and/or is cached in the MFTS system.
  • the user is likely to make some selection of the mobile wallet operation after he/she logs into the mobile wallet.
  • the MFTS provides a prompt response to the user with information received prior to the user's selection of the mobile wallet operation. It will be appreciated that an advantage of this approach is a quick response and virtually "real time" updating of account balance information in a user's mobile device.
  • FIG. 15 is a series of user screen views 1500 of a mobile device as the user views bills to pay according aspects of the invention.
  • the user has at least two ways to view his/her bills according to such aspects.
  • a first method 1500a start with user activation of the "Mobile Wallet" application and a second method 1500b starts with receipt of an SMS text message from the MFTS 18.
  • the first method 1500a starts at screen 1502.
  • the user uses the "Mobile Wallet” application to view the bills
  • he/she selects the "Mobile Wallet” option from the mobile device screen view 1502 and is presented with a login screen view 1504.
  • a login screen view 1504. After the user logs in and provides a valid password (or is otherwise authenticated to the mobile device 15), he/she is presented with a number of choices as shown in screen 1506, e.g. View Payment Sources, View Bills, Pay Bills, etc, "Pay anyone", Balance Transfer, Change PIN, etc.
  • the user selects the "View Bills” option or presses the numeric key "2".
  • the user is presented with a View Bills screen 1512.
  • a second method 1500b involves receipt of an SMS text message, instead of in response to user activation of the mobile wallet application.
  • Screen 1522 shows an exemplary text message display screen that includes a number of text messages that the user has received, e.g. Power Bill Due, Get Milk & Juice, Gas Bill Due, Phone Bill Due, etc.
  • several of the SMS messages in the user's text message display screen relate to payment of bills, but not all messages are bill payment related.
  • a user may receive a number of different text messages relating to a number of different subjects.
  • the receipt of an SMS message relating to payment of a bill can prompt the user to activate the Mobile Wallet application, or the reading of an SMS message relating to a bill due can activate the Mobile Wallet application, or the receipt of an SMS message containing predetermined codes can automatically activate the Mobile Wallet application under certain predetermined circumstances.
  • a bill aggregator receives a number of bills to pay on behalf of a user, and presents information regarding those bills to the user via a text message, so that the user is notified that a new bill has been received and can obtain more information about the bill, or can activate the Mobile Wallet application to pay the bill.
  • a short text message is preferably brief and only informs the user that a new bill has arrived.
  • the message is limited to the name of the billing entity (e.g. power company, gas company, etc.), the total amount due, and the due date.
  • Other information may be provided in the SMS message, if desired, but in accordance with this exemplary aspect of the invention the information is limited to the foregoing information so that the user may quickly and efficiently be notified of only the most important information.
  • a text message relating to a bill to pay (e.g. "XXX Bill Due") is automatically detected by the mobile application as relating to a bill to pay and launches the Mobile Wallet application on the mobile device.
  • the user is presented with a login screen 1526 to allow user to enter a password or PIN. After the user logs in and provides a valid password (or is otherwise authenticated to the mobile device 15), he/she is presented with the View Bills screen 1512.
  • Display screens 1512, 1514, 1516 illustrate a succession of different bills that user sees when using the navigation controls (e.g. the Next button), to cause display of bills that can be paid in accordance with exemplary aspects of the invention.
  • the navigation controls e.g. the Next button
  • the next bill is shown in the next mobile device screen view 1514.
  • the user may use the "Back" and “Next” keys to view each individual bill until the "Select to Pay” key is pressed as shown in mobile device screen view 1516.
  • FIG. 16 is a sequence diagram illustrating a method 1600 for viewing bills according to an exemplary aspect of the invention.
  • the method or process 1600 involves communications or messages between a mobile device 15, the MFTS 18, and at least one billing entity.
  • a bill presentment system 190 receives bills from a number of different billing entities on behalf a user, and provides information to the MFTS 18 relating to a plurality of bills from a plurality of billing entities.
  • FIG. 16 therefore illustrates this mode or embodiment, but it will be understood and appreciated that the MFTS 18 may communicate separately and independently with billing entities, without requiring that all bills or payments to make be provided by a bill presentment system 190.
  • a billing entity provides information to a bill presentment system 190, as shown at step 1602.
  • the bill presentment system 190 communicates a message 1606 to the MFTS 18 as shown at step 1604.
  • the MFTS 18 sends a short text message (SMS) 1610 containing selected abbreviated information to the user through the SMS generator 151 (FIG. 2) and wireless network service provider 110.
  • SMS short text message
  • the user opens the Mobile Wallet or reads the text message when it is convenient to him/her as shown at step 1612.
  • the mobile application sends an authentication message (AM) 1616 to the MFTS 18.
  • the MFTS 18 validates the login from the authentication message 1616 and communicates an authentication confirmation message (ACM) 1620 back to the mobile device 15 that allows the Mobile Wallet application to execute.
  • ACM authentication confirmation message
  • the mobile device opens the Mobile Wallet application, which allows the user to view more detailed information about a bill to pay or payment to make.
  • the user selects the "View Bills" option (a shown and described in connection with FIG. 15).
  • the user selects one bill to view.
  • the mobile device 15 communicates a request message 1628 to the MFTS 18 to request information relating to the selected bill.
  • the MFTS 18 receives the request for information relating to the selected bill and generates a message 1632 to the bill presentment system 190.
  • the bill presentment system retrieves information relating to the selected bill (or optionally, for one or more bills associated with the particular user) and retrieves detailed billing information. Preferably, therefore, all bills associated with the user are forwarded to the MFTS via a message 1636.
  • the MFTS 18 receives the detailed billing information from the bill presentment system 190 and stores the detailed billing information in the MFTS database in a table of detailed billing information (see FIG. 6). The MFTS 18 then prepares a message 1639 with selected reduced information appropriate for the mobile device (i.e. a subset of detailed billing information) and forwards the message containing a subset of the detail billing information to the user's mobile device 15.
  • the user views his/her due bills, via screens as shown in FIG. 15.
  • FIG. 16 shows a sequence of steps for obtaining bill information from a bill presentment system, it will be understood that the steps are similar for obtaining information from a billing entity independently. From the foregoing, it will be appreciated that an aspect of the present invention involves a method for obtaining selected reduced information relating to payments to make (bills to pay) and this information is obtained from one or more billing entities, either independently or from a bill presentment system 190.
  • FIG. 17 is a series of user screen views 1700 of a mobile device that relate to a user paying his/her bill(s).
  • a user is preferably required to activate the Mobile Wallet application on their mobile device and be authenticated (i.e. log in) for use of the application on that particular mobile device.
  • screen 1702 shows a number of selectable applications such a Mobile Wallet, Download Music, Games, etc.
  • screen 704 shows a login screen that is generated upon initial execution of the Mobile Wallet application upon selection in screen 1702. After the user logs into the "Mobile Wallet" application as shown as screens 1702, 1704, a Mobile Wallet screen 1706 is displayed.
  • the Mobile Wallet screen includes a number of selectable options that provide for various functions relating to mobile financial transaction viewing, monitoring, and payment.
  • screen 1706 shows options for View Payment Sources, View Bills, Pay Bills, "Pay anyone", Balance Transfer, and Change PIN.
  • the Pay Bills option is shown highlighted (selected), indicating that the user has elected to activate the Pay Bills function of the mobile application. The user can activate this function by selecting Pay Bills from the menu on screen 1706 or may press the "3" key on the keypad.
  • the Mobile Wallet application presents a display screen Pay Bills as shown at 1708.
  • the 1708 provides a list of selectable pending bills.
  • the list can be arranged so that the latest bill is listed at the top and oldest bill is listed at the bottom, as shown in screen view 1708. Other arrangements such as the oldest bills are listed first can also be implemented.
  • the oldest bill is automatically highlighted for the user to pay first, e.g. "Phone Bill Due 11/17/05 $34.45".
  • a user navigates the list by using up and down navigation controls and selects the one that he/she wishes to pay by pressing the "Select" Key when an appropriate bill is highlighted.
  • information about the selected bill is displayed to the user, as shown in screen 1710.
  • selected information relating to the selected bill is displayed, for example the name of the billing entity, the date the bill was received, the amount of the bill, optionally a minimum payment, and the due date, as shown in screen view 1710.
  • the overall balance due on an account may be shown.
  • the exemplary screen 1710 also preferably includes a Pay, Back, and a Next button as navigation controls that permit viewing other bills in a sequential list of bills.
  • the Pay button or control is used to pay the bill currently on display.
  • the Mobile Wallet application when the "Pay" key is pressed, provides a screen view 1712 that allows the user to select the amount to pay.
  • the user is offered following options: (1) to pay the minimum amount due; (2) to pay the full amount due; or (3) to pay a user specified amount.
  • the first two options are self-explanatory and lead to proper payment based on the information on the record.
  • the third option provides the user with flexibility to specify a desired amount. If the third option is selected, the Mobile Wallet application provides a screen view (not shown) that allows entry of a desired amount to pay.
  • the exemplary screen 1712 also preferably includes a Pay, Back, and a Next button as navigation controls that permit viewing other bills in a sequential list of bills, or proceeding with payment of the selected bill.
  • the Pay button or control is used to pay the amount currently selected.
  • a screen view 1714 is displayed that shows a default payment source (Bank of USA, in this case) and its related information.
  • the default payment source Bank of USA has three selectable accounts, e.g. a Savings Balance, a Checking Balance, and Other (e.g. a money market account or perhaps a borrowing account).
  • a particular default account is shown highlighted (e.g. the Checking Balance), to indicate to the user that the Checking Account for this payment source is the default payment source that will be utilized unless overridden by the user by other means.
  • the screen 1714 further includes text prompting the user to confirm the currently displayed default payment source, e.g. the text reads "Pay with default payment source?" If the user presses the "Select” key in screen view 1714, indicating confirmation that the current bill is to be paid with the default payment source, then the Mobile Wallet application generates a screen view 1716 that includes information confirming the payment and updating the payment source information. At this point, the user can either press the "Done” button to complete the mobile payment transaction or press "Next" to make other payments.
  • the amount of the current payment ($34.45 in the example shown) is subtracted from the balance shown on the default payment source (the Checking Balance), so that the user's payment source information is instantaneously updated to reflect the payment (i.e. the
  • Checking Balance is reduced by $34.45, as shown between screens 1714 and 1716. This occurs in exemplary embodiments even though the amount of the bill has not yet actually been debited from the user's bank account.
  • FIG. 18A is a sequence diagram illustrating a method 1800 for paying a bill according to a preferred embodiment of the present invention.
  • the method or process 1800 involves communications or messages between a mobile device 15, the MFTS 18, at least one billing entity (e.g. a bill presentment system 190 or a separate billing entity), and a selected financial institution 30 that serves as a selected payment source (PS).
  • a selected payment source PS
  • the user's default financial institution (FI) 3OA is described as the selected payment source.
  • the initial step of the process 1800 is step 1802, where the user has received information about all bills to pay and is ready to select a particular bill to pay, e.g. via screen 1708 in FIG. 17.
  • the user is ready to pay a bill, at step 1804 he/she selects a particular bill to pay.
  • the user selects a payment source and decides/enters an amount to pay in the step 1806.
  • a mobile payment instruction (MPI) message 1808 is communicated from the mobile device 15 to the MFTS 18 that includes the desired amount and identifies the financial institution selected for making the payment.
  • the MFTS 18 receives the MPI message, and prepares an MFTS payment instruction (MFTSPI) message 1812 to the selected financial institution 30A.
  • the MFTSPI message 1812 is preferably an inquiry message to the financial institution to verify whether the selected payment source has sufficient funds for making the payment, and/or an instruction to make the payment if sufficient funds are available.
  • the MFTSPI message 1812 is communicated to the financial institution 3OA, and received at step 1814, If sufficient funds are not available to cover the payment, the FI 30A generates and communicates a reply message 1816' (not shown) to the MFTS 18 to advise that funds are not available and in turn, the MFTS sends an acknowledgement message (not shown) to the user that the requested payment failed. Otherwise, the FI prepares a funds available message (FAM) 1816 indicating that sufficient funds are available and transmits this message to the MFTS.
  • FAM funds available message
  • the MFTS 18 receives the funds available message and prepares a corresponding funds available message 1820 to the mobile device 15 that permits the Mobile Wallet application to proceed with generating a payment instruction message.
  • Step 1822 includes actions such as generating a payment confirmation display for the user, e.g. screen 1714 (FIG. 17), which requests that the user confirm "Pay with default Payment Source?" It will be of course appreciated that the user could decline payment with the default payment source and use the navigation controls to select a different payment source, in which case further and correspondingly appropriate messages from the Mobile Wallet application are generated and returned to the MFTS 18.
  • the Mobile Wallet application In response to the user confirmation of the payment source, e.g. via confirmation of the default payment source, the Mobile Wallet application generates and transmits a message 1824 indicating confirmation of the payment to the MFTS 18.
  • the payment confirmation message from the mobile device 15 is received at the MFTS 18 at step 1826.
  • the MFTS 18 receives the confirmed payment instruction from the mobile device 15 and constructs a payment source payment instruction message 1828.
  • a payment source payment instruction message 1828 is communicated to the bill presentment system 190.
  • the system 190 receives the payment source payment instruction 1828, generates a corresponding payment instruction message 1832 to the financial institution 3OA, and processes the payment internally, e.g. by clearing the bill due from the user's queue of unpaid bills.
  • the financial institution 30A receives the payment source payment instruction, from a bill presentment system 190 and responds accordingly.
  • the financial institution takes steps internally to withdraw funds or enter a debit on behalf of the user from the selected account, and generate an appropriate payment instrument to the billing entity.
  • the generation of an appropriate and selected payment instruction for example a paper check, an ACH funds transfer, a stored value card, etc. is described elsewhere herein.
  • a payment confirmation message 1836 is generated by the financial institution 3OA and transmitted to the Bill Presentment System 190.
  • the Bill Presentment System 190 receives the payment confirmation message, clears the bill on record, generates a mobile payment confirmation message 1837, and communicates this message 1837 to the MFTS 18 as shown in step 1838.
  • the MFTS 18 receives the confirmation message 1837 and forwards another confirmation message 1840 to the mobile device 15.
  • the mobile device 15 receives the mobile payment confirmation message 1840 and displays payment confirmed information, e.g. display screen 1716 in FIG. 17.
  • step 1826 the steps/messagesl802 through step 1826 and the step/message after 1838 are the same or similar to the steps/messages shown in FIG. 18 A.
  • the MFTS 18 receives the confirmed payment instruction from the mobile device 15 and constructs a payment source payment instruction message 1828'.
  • a payment source payment instruction message 1828' is communicated to the bill presentment system 190.
  • the system 190 receives the payment source payment instruction 1828', generates a corresponding payment instruction message 1832' to the financial institution 30A, and processes the payment internally, e.g.
  • a payment confirmation message 1836' is generated by the financial institution 30A and transmitted to the MFTS 18.
  • FIG. 19 and FIG. 20 illustrate exemplary display screens on a mobile device
  • a "Pay Teen" payment process is a payment method for paying an entity other than a user's preregistered regular billing entities or service providers. Examples include making payments at point of sale, with the identity of the payee determined at the time of making the payment; making a payment to an individual that possesses a mobile device capable of running the Mobile Wallet application (but perhaps not yet downloaded and operational); making a payment to an individual or other entity that does not possess a mobile device but requests a certain form of payment such as a paper check, electronic funds transfer, stored value card, etc. Numerous variations on the "Payteil” payment method will occur upon consideration of the following display screens and process steps.
  • the "Pay Teen” payment method contemplate payment to an entity that has registered with the MFTS 18, and other options contemplate payment to an entity that was not previously registered.
  • the "Pay Teen” payment method allows users to send other registered or non- registered people payments as an alternative to cash.
  • the method also contemplates making payments anywhere ⁇ at point of sale, locally, across country, and across national borders (of course within the confines of applicable currency regulations) without physically handling of cash or checks.
  • the method also contemplates receipt of a payment by the recipient and relatively fast (virtually instant) availability of the funds.
  • Payee Key issues in a "Pay Teen" payment method include (1) identification of a payee and (2) the manner and/or form of making the payment. According to one exemplary aspect of the invention, a user is given a choice of either selecting a payee from a list provided by the MFTS through the mobile device, or selecting/entering a payee by entering/selecting a mobile phone number associated with a payee. Similarly, and according to an exemplary aspect of the invention, there are several different ways for the payee to receive payments. For example, the user/payer can select a payment method from following payment methods: (1) “Recipient Defined”, (2) “Bank Draft” (or ACH electronic transfer), (3) "Paper Check” and (4) "Stored Value Card". The "Recipient Defined” method allows the payee to choose one of the three remaining methods, i.e. "Bank Draft”, “Paper Check” and "Stored Value Card”.
  • Pay Avenue illustrate that various payee selections and payment method selections are contemplated as exemplary aspect of the inventions. For example, in FIG. 19 and FIG. 26, a payee is chosen by selecting a name from a list, while in FIG. 23 and FIG. 29, a payee is chosen by entering a payee's mobile phone number. In FIG. 19 through FIG. 31 , all four different payment methods are discussed. Any combinations of payee selection and payment method selection are possible in light of the following teaching. The description of the exemplary embodiments of the invention has been presented only for the purpose of illustration and description and is not intended to be exhaustive or to limit the invention to the precise forms disclosed.
  • FIG. 19 shows a sequence of payer's mobile device screen views 1900 as a user uses "Pay Any one” option, selects a name from a list, and uses a "Recipient Defined” payment method according to an exemplary aspect of the invention.
  • Screens 1902, 1904, 1906 are exemplary screens for displaying selectable applications, login, and selection of Mobile Wallet applications that have been described elsewhere herein and will not be repeated. It will, however, be seen in screen 1906 that one of the selectable options is a "Pay anyone" option, shown highlighted and therefore selected.
  • the user is presented with a short menu shown in screen view 1908 to allows selection of a payee by name or by mobile phone.
  • the user can either select a payee's name from a list or select/enter a payee's mobile phone number.
  • a screen is displayed on the mobile device comprising a list of pre-entered payees, e.g. screen 1910, with names Jane Bennett, John Doe, Robert Johnson, Carol Jones, etc. As shown in screen 1910, the payee name John Doe is shown highlighted and therefore selected for action.
  • Information relating to the names on the list in the screen 1910 may be stored locally in the mobile device and/or in the MFTS 18 user database.
  • a scroll bar navigation control on the right of the display screen indicates that the name list is larger than the mobile device can display and allows scrolling down the list.
  • the user can activate the "Back" or “Next” keys or navigation control to navigate the name list and a payee is selected on the list by using a "Select" key.
  • a screen 1912 is presented that allows the user to enter an amount to pay.
  • the user has entered $123.45.
  • the user then presses the "Next" button, which results in a display screen 1914 that requests confirmation of the default payment source.
  • the user can also use the "Back" key to make further changes or press the "Cancel” key to abandon the payment.
  • the Mobile Wallet application presents the exemplary screen view 1914, that, as in previous examples, permits the user to select an account from several available accounts of the default payment source.
  • the Bank of USA account is shown as a default payment source, and the checking account is shown selected/highlighted as the default account for use.
  • the user presses the "Select" key to continue the process for making a payment.
  • the user is presented with a display screen 1916 that allows selection of one of a plurality of different payment instruments or methods for making the payment to the payee.
  • a display screen 1916 that allows selection of one of a plurality of different payment instruments or methods for making the payment to the payee.
  • four choices are provided: (1) Recipient Defined, (2) ACH (e.g. bank draft), (3) Paper Check and (4) Stored Value Card.
  • the user can use the "Back" and “Next” keys to navigate the menu and use the "Select” key to make selection of a particular payment method or instrument.
  • the "Recipient Defined” payment method is chosen, i.e. the recipient can select the method of receiving payment when information relating to the payment is received by the payee.
  • the selection by the payee of the payment instrument is described in connection with other figures, e.g. see FIG. 20.
  • the payee is given the choice of selecting from ACH, Paper Check, or Stored Value Card; such steps and displays for the recipient/payee are discussed in connection with FIG. 20.
  • the Mobile Wallet application in response to user selection of the payment method or instrument, the Mobile Wallet application generates a display screen 1918 that allows user confirmation of the payment.
  • the screen view 1918 displays a confirmation of the payment and the remaining balance of the payment source used in this transaction, for example, the Checking Balance of the default payment source is debited by the amount of the payment $123.45 from that shown in screen 1914.
  • the user may press the "Done” button to finish the "Pay anyone” application, or the "Next” button to initiate another transaction.
  • FIG. 20 for a discussion of the payee's view of the recipient defined payment method. It should be understood that the display screens shown in FIG.
  • the payee/payment recipient possesses a mobile device that is capable of running the Mobile Wallet application, is configured for operation with a system and methods as described herein, and is a registered use of the MFTS 18.
  • the payee/recipient may receive a text message (SMS) indicating that the payer wishes to make a payment, and providing instructions to the payee/recipient as to how to download and execute the Mobile Wallet application on his or her mobile device, or take other action to receive the payments. Discussion of such operations and features for a non-registered payee/recipient is provided elsewhere herein.
  • SMS text message
  • FIG. 20 shows a sequence 2000 of user/payee's mobile device screen views in response to receipt of messages and communications generated by a user/payer that has invoked a "Pay Avenue" option, selects a name from a list, and uses a "Recipient Defined” payment method.
  • Display screen 2002 is an exemplary mobile device display that a payee sees in response to receipt of a message from the MFTS 18, e.g. an SMS message or a message in a format especially adapted for communications between the MFTS 18 and the Mobile Wallet application.
  • a payee sees in response to receipt of a message from the MFTS 18, e.g. an SMS message or a message in a format especially adapted for communications between the MFTS 18 and the Mobile Wallet application.
  • information is displayed to the payee indicating that a person with an identified mobile number (e.g. 404-404-4040) is sending the payee/recipient a payment in the amount of $123.45, and prompting the payee/recipient to select a payment receipt method from a list of several different payment receipt methods.
  • a person with an identified mobile number e.g. 404-404-4040
  • the message from the MFTS 18 either (a) automatically launches the Mobile Wallet application or (b) prompts the payee/recipient to activate the Mobile Wallet application.
  • the payee is notified that someone (either with a name or a phone number) has sent a payment and the amount of the payment.
  • the payee is requested/prompted to select a payment method from a list of possible payment delivery methods: ACH, Paper Check or Stored Value Card.
  • the payee then makes the selection according to the instruction as shown in screen view 2002.
  • the Mobile Wallet application provides a display screen 2010 to effect this method.
  • the payee is shown a default ACH account with a default bank routing number and account number as shown in screen view 2010.
  • the screen preferably includes controls for Confirm, Change Account, and Cancel.
  • the Confirm control effectively confirms the displayed default payment receipt method. If the payee confirms the default payment receipt method, another screen view 2012 is displayed that informs the payee the
  • the payee has the ability to change to another ACH account by selecting the Change Account control, which displays a separate display screen (not shown) for entering a new bank routing number and account number.
  • the Mobile Wallet application then preferably displays another screen similar to that at 2010 upon entry of an alternative bank routing number and account number, followed by a confirmation such as screen view 2012 after the transaction is completed and confirmed.
  • the Mobile Wallet application provides a display screen 2020 to effect this method.
  • the screen view 2020 displays a default mailing address to which a paper check should be mailed.
  • the exemplary screen also includes selectable controls for Confirm, Change Address, and Cancel.
  • the screen effectively prompts the payee to confirm the displayed default mailing address which is stored in the MFTS 18. If the payee confirms the default mailing address by pressing "Confirm" control, an exemplary screen view 2022 is displayed to inform the payee that a paper check will be mailed to the default mailing address.
  • the payee has the ability to change to another mailing address by entering a new mailing address by selecting the Change Address control, which displays a separate display screen (not shown) for entering a different mailing address.
  • Wallet application then preferably displays another screen similar to that at 2020 upon entry of an alternative mailing address, followed by a confirmation such as screen view 2022 after the transaction is completed and confirmed.
  • the Mobile Wallet application provides a display screen 2030 to effect this method.
  • the screen view 2030 displays a default stored value card account into which the funds would be deposited.
  • the exemplary screen also includes selectable controls for Confirm, Change Account, and Cancel.
  • the screen effectively prompts the payee to confirm the displayed stored value card account which is stored in the MFTS 18. If the payee confirms the default stored value card account by pressing "Confirm" control, an exemplary screen view 2032 is displayed to inform the payee that the indicated amount will be deposited in the default stored value card account.
  • the payee has the ability to change to another stored value card account by entering a new account by selecting the Change Account control, which displays a separate display screen (not shown) for entering a different stored value card account number.
  • the Mobile Wallet application then preferably displays another screen similar to that at 2030 upon entry of an alternative stored value card account, followed by a confirmation such as screen view 2032 after the transaction is completed and confirmed.
  • the payee/recipient is not required to have the Mobile Wallet application installed on their mobile device, especially for the paper check and stored value options.
  • one or more text messages (SMS) containing information essentially as shown in FIG. 20 can be generated by the MFTS 18 and communicated to a mobile device possessed by a payee/recipient, with instructions to the payee/recipient to return a text message (SMS) containing information indicated, e.g. to confirm a default mailing address for a paper check or stored value account, or provide an alternative mailing address or stored value account.
  • SMS text message
  • FIG. 21 is a sequence diagram illustrating a method 2100 for a "Pay Teen" payment method according to an exemplary aspect of the invention.
  • the method or process 2100 involves communications or messages between a mobile device 15 and the MFTS 18, and allows selection by the user of a particular form of payment for making a payment to a person identified during interactions with the system. This process is in contrast to the previously described method for making a payment to a pre-identified billing entity.
  • the user activates the Mobile Wallet application and logs in or otherwise provides authentication information at step 2104.
  • An authentication message (AM) 2106 is generated and communicated to the MFTS 18, which at step 2108 authenticates the user.
  • ACM authentication confirmation message
  • the MFTS 18 Upon authentication of the user by the MFTS at step 2108, an authentication confirmation message (ACM) 2110 is returned by the MFTS 18 to the mobile device 15, which permits the Mobile Wallet application to execute on the mobile device, as shown at step 2112.
  • the MFTS 18 also retrieves a predefined payee list associated with the user from the user database and sends this user's payee list back to the mobile device, where it is displayed to the user (see exemplary screen in FIG. 19).
  • the Mobile Wallet application is opened at step 2112, assume that the user selects the "Pay anyone" option in step 2114. He/she then selects a name from the predetermined payee list or enters a mobile phone number to choose a payee as shown in step 2116, and enters the amount in dollars and cents to pay in step 2118.
  • the user selects one of the available payment methods, e.g. Recipient Defined, ACH, Paper Check, or Stored Value Card, as shown in FIG. 19.
  • Recipient Defined ACH, Paper Check, or Stored Value Card
  • Information corresponding to the selected payment method is provided in a mobile payment instruction (MPI) message 2122 and forwarded to the MFTS 18 for further processing by the MFTS 18 and other related parties as shown in step 2124.
  • MPI mobile payment instruction
  • FIG. 22 is a sequence diagram illustrating a recipient defined "Pay anyone" method 2200 according to an exemplary aspect of the invention.
  • the method or process 2200 involves communications or messages between a user/payer's mobile device 15 (not shown here), the MFTS 18, a payee's mobile device 2202, a user/payee's financial institution 3OA, a payee's financial institution 2260, the payee 2270, and stored value card issuing company 2280,
  • the user has selected the Recipient Defined payment method at step 2120 and this decision has been communicated to the MFTS 18.
  • the MFTS sends the payee a text message (SMS) 2206 such as the one shown in screen view 2002 of FIG. 20, as indicated at step 2204.
  • SMS text message
  • This message 2206 informs the payee that a payment of a certain amount is pending and that the payee should make a selection from a list of selected payment methods as shown in step 2208.
  • the payee then preferably uses his/her mobile device 2202 to make a selection from three payment methods offered in step 2210. Such a selection may be made by return text message, or by use of the Mobile Wallet application if installed on the payee's mobile device.
  • a mobile payment instruction (MPI) message 2212 including information relating to a selected payment method is returned to the MFTS 18, e.g. a message 2212A for selecting the ACH payment method, a message 2212B for selecting a paper check, or a message 2206C for selecting a stored value card payment method.
  • MPI mobile payment instruction
  • ACH payment method If the payee chooses an ACH payment method, a payment method selection message 2212A including the payee's ACH account information and payment amount are forwarded to the MFTS 18 through the wireless carrier networks as shown in step 2214. A corresponding request 2220A is then sent to the user/payer's financial institution 30A (the payment source) for payment to a specified bank account of the payee from an account specified by the user, as indicated at step 2222. Once the user/payer's financial institution 30A verifies that the user has sufficient funds to cover the payment, the payer's financial institution sends an ACH draft to the specified account of payee's financial institution 2260 as indicated at step 2226.
  • Paper Check payment method if the payee chooses a paper check payment method, a payment method selection message 2212B including the payee's mailing address information and payment amount are forwarded to the MFTS 18 through the wireless carrier networks as shown in step 2216. A corresponding request 2220B is then sent to the user/payer's financial institution 30A for generation of a paper check drawn on the specified account of the user/payer and mailing of that check to the payee, as indicated at step 2222. Once the user/payer's financial institution 3OA verifies that the user has sufficient funds to cover the payment, the payer's financial institution mails a check 2224B to the payee, the receipt of which by the payee is indicated at step 2228.
  • Stored value payment method if the payee chooses a stored value card payment method, a payment method selection message 2212C including the payee's stored value card account information and payment amount are forwarded to the MFTS 18 through the wireless carrier networks as shown in step 2218. A corresponding request 2220C is then sent to the user/payer's financial institution 30A for crediting the payee's identified stored value card account, drawn on the specified account of the user/payer, as indicated at step 2222. Once the user/payer's financial institution 30A verifies that the user has sufficient funds to cover the payment, the payer's financial institution credits the identified stored value card account (through 2224C) in the designated amount, the receipt of which by the payee is indicated at step 2230.
  • step 2230 indicating receipt of loaded stored value card, reflects both (a) the crediting of a preexisting stored value card account associated with the payee, or (b) the issuance of a new loaded stored value card to the payee, for example by providing the payee with information indicating a location at which an unloaded stored value card may be obtained and also providing information such as a validation code that would permit the payee to present the unloaded card to a terminal or representative so as to "load” the card with the payment amount.
  • a validation code that would permit the payee to present the unloaded card to a terminal or representative so as to "load” the card with the payment amount.
  • these three methods can be used independently or combined so the payee may have the flexibility of allocating a portion of the payment with ACH, and the remaining portion of the payment to paper check and/or stored value card.
  • FIG. 23 shows a sequence of payer's mobile device screen views 2300 for a "Pay Any one by phone number" payment method according to an exemplary aspect of the invention.
  • the payer/user selects/enters a mobile device phone number to identify a payee.
  • a mobile device phone number Specifically illustrated is an "ACH" payment method according to an exemplary aspect of the invention.
  • the payer can alternatively select a paper check or stored value card payment method, and that the particular payment method described is merely exemplary.
  • the user first selects the
  • Mobile Wallet application in screen 2302 provides authentication information (e.g. a login) via screen 2304, and is authenticated by the MFTS before being presented with options for making a payment at screen 2306.
  • authentication information e.g. a login
  • the user selects the "Pay anyone” option.
  • the user is provided with a short menu of options as shown in screen view 2308 to select a payee, either by name or by mobile phone number.
  • the user in response to selection of the option "Paying by Mobile Phone” by either entry of the numeral "2" or activating the Select control, the user is presented with a screen 2310 for entry of the payee/recipient's mobile phone number.
  • an exemplary payee's phone number 404-555-2121 is entered as shown in the screen view 2310.
  • the screen 2310 further includes controls for Next, Back, and Cancel, which operate in the manner as previously described to continue the process, return to a previous screen, or cancel the transaction.
  • the user is presented with a payment amount data entry screen 2312 for entry of the amount to pay.
  • the user then enters the amount to pay.
  • the user has entered $123.45.
  • the amount entry screen 2312 includes a Next, Back, and Cancel control.
  • the user In response to the user's activation of the Next control, the user is presented with a screen 2314 that displays the default payment source (e.g. Bank of USA), available balances in the default accounts of the default payment source, and prompts the user to confirm the selected default.
  • the default payment source e.g. Bank of USA
  • the user can activate the "Select" control to select the default account and payment source, or navigate to an alternative payment source.
  • the user After selection and/or confirmation of the payment source via screen 2314, the user is presented with a screen 2316 that allows selection of a payment method.
  • the user uses the "Back" and “Next” keys to navigate the menu and uses the "Select” control to make a selection.
  • the "ACH" payment method is shown highlighted and therefore chosen.
  • the Select control in screen 2316 the user is presented with a screen 2318 that displays a confirmation of the payment, the selected payment method, and the remaining/updated balance of the payment source used in this transaction.
  • the user may activate the "Done" control to finish the "Pay Avenue” application or the "Next" control to initiate another transaction.
  • FIG. 24 shows a sequence of mobile device screen views 2400 from a payee's perspective, via a payee's mobile device, for a "Pay anyone" option where a user selects/enters a mobile device phone number and uses an "ACH" payment method according to an exemplary aspect of the invention.
  • the information shown may be presented to the payee either by a sequence of text messages (SMS) or by displays generated by the Mobile Wallet application if loaded and activated on the payee's mobile device.
  • SMS sequence of text messages
  • Mobile Wallet application displays generated by the Mobile Wallet application if loaded and activated on the payee's mobile device.
  • an SMS text message is received from the SMS generator 151 , or similar information generated by the Mobile Wallet application running on the payee's mobile device.
  • the payee is notified that someone with a phone number 404-404-4040 has sent a payment in the amount of $123.45 for delivery via an ACH funds transfer.
  • the message to the payee includes a default payment receipt method, for example, deposit to a predetermined bank (as identified by bank routing number) and account.
  • the screen 2402 preferably includes a "Confirm” control, a "Change Account” control, and a "Cancel" control.
  • the payee/recipient can confirm that the displayed ACH bank routing number and account number stored in the MFTS database is correct for the payment.
  • the payee has the ability to change to another ACH account by entering a new account number and bank routing number by activating the "Change Account” control.
  • a separate screen (not shown) is displayed at which the payee is allowed to enter another ACH bank routing number and account number.
  • a screen view 2404 is shown that prompts the payee to confirm the deposit to the identified ACH account.
  • the screen 2404 also preferably includes a "Done” control, a "Change Account” control, and a “Cancel” control,
  • the "Change Account” control works in the manner described elsewhere.
  • Activating the "Done” control causes display of a screen 2406 that prompts the user to set the currently selected bank account as a default ACH account for the payee. If the payee activates the "Yes" control in screen 2406, then the default ACH account information is sent back to the MFTS 18 for storage in association with other information relating to this particular payee. Otherwise, the default ACH account is not changed.
  • a screen 2408 is displayed that prompts the payee/recipient to confirm the deposit of the payment to the currently selected account.
  • a "Yes” and a “No” control are provided to confirm or reject the deposit to the account. If the answer is "Yes”, the payee's answer is sent to the MFTS 18 for further processing of the transaction.
  • the payee receives a confirmation message or display 2410 indicating that the received payment will be deposited into the ACH account the payee specified previously. At this point, the payee may activate a "Done" control to finish receiving payment or a "Next" control process another transaction, if applicable.
  • FIG. 25 is a sequence diagram of a "Pay anyone" with ACH payment method or process 2500 according to an exemplary aspect of the invention, showing the interactions among a payer/user's mobile device 15, a payee's mobile device 2521, the MFTS 18, a third party payment provider 2560, and a payee's financial institution 2580.
  • the third party payment provider 2560 is a payment instruction recipient that effects a payment to the payee, in this case by transferring funds to the payee's financial institution 2580.
  • steps 2502, 2504 involve authentication of the user/payer to the MFTS 18 through message 2506, authentication by the MFTS 18 in step 2508, and sending an authentication confirmation message 2510 and user's payee list to the user's mobile device 15.
  • the user opens the Mobile Wallet application in 2502 and enters the password or PIN in 2504, the MFTS authenticates the login and sends user's current payee list (2510) to the user's Mobile Wallet of his/her mobile device in step 2508. This action allows the user to proceed with use of the Mobile Wallet application at step 2512.
  • the user selects "Pay anyone" in step 2514 and selects a payee name from the payee list received during the login, or enters a phone number to specify a payee in step 2516.
  • the user then enters a payment amount with the mobile device in step 2518 and selects the ACH payment method in step 2520.
  • a mobile payment instruction (MPI) message 2522 is generated by the Mobile Wallet application and communicated to the MFTS 18.
  • the MPI 2522 will typically include the payment amount, payment method (in this case an ACH payment), and payee information including the payee's phone number.
  • the MFTS 18 examines the payment instruction and generates a message 2526 to the payee's mobile device 2521 to request the payee to specify or confirm the ACH method for the payment. This message 2526 is sent to the payee's mobile device and received at step 2528.
  • the payee can receive the message 2526 via one or more text messages or by a communication that activates an appropriate routine of the Mobile Wallet application (not separately shown).
  • the payee selects an account into which the funds should be deposited.
  • a return payment account selection message 2530 is generated (e.g. a return text message or communication from the Mobile Wallet on the payee's device) that indicates the account into which the payee wishes to deposit the payment. This return payment account selection message 2530 is transmitted back to the MFTS 18 and received at step 2532.
  • the MFTS 18 receives the payment account selection message 2530 and determines the identity of a third party payment provider (i.e. a payment instruction recipient) that generates the ACH payment transaction.
  • An MFTS payment instruction (MFTSPI) 2534 is generated and communicated to third party payment provider 2560.
  • This MFTSPI 2534 is received at step 2536.
  • the third party payment provider generates an ACH funds transfer (2538) and communicates this electronically in the known ACH funds transfer manner to the payee's financial institution 2580. Receipt of this ACH funds transfer at the payee's financial institution is shown at step 2540.
  • a payment confirmation message (not shown) is preferably generated either by the payee's financial institution 2580, or the third party payment provider 2560, and provided back to the MFTS 18 so that the data records associated with this payment can be updated and any appropriate payment confirmation messages provided to the payee's mobile device and/or the payer's mobile device.
  • PAY ANYONE BY NAME PAPER CHECK
  • FIG. 26 shows a sequence of payer's mobile device screen views 2600 for a "Pay Avenue by name” payment method according to an exemplary aspect of the invention.
  • the payer/user selects/enters a name to identify the payee.
  • a "paper check” payment method according to an exemplary aspect of the invention.
  • the payer can alternatively select an ACH payment method (as described above) or stored value card payment method, and that the particular payment method described is merely exemplary.
  • the user first selects the
  • Mobile Wallet application in screen 2602, provides authentication information (e.g. a login) via screen 2604, and is authenticated by the MFTS before being presented with options for making a payment at screen 2606.
  • authentication information e.g. a login
  • the user selects the "Pay anyone” option.
  • the user is provided with a short menu of options as shown in screen view 2608 to select a payee, either by name or by mobile phone number.
  • the user in response to selection of the option "Paying by Name” by either entry of the numeral " 1 " or activating the Select control, the user is presented with a screen 2610 comprising a list of selectable pre-entered payees.
  • an exemplary payee's name "John Doe” is shown highlighted in screen 2610 and therefore selected.
  • the screen 2610 further includes controls for Select, Up, and Down, which operate select a particular name or navigate the list of pre-entered names.
  • the Select control In response to the user's activation of the Select control after a particular payee's name, the user is presented with a payment amount data entry screen 2612 for entry of the amount to pay. The user then enters the amount to pay. In this example, the user has entered $123.45.
  • the amount entry screen 2612 includes a Next, Back, and Cancel control.
  • the user In response to the user's activation of the Next control, the user is presented with a screen 2614 that displays the default payment source (e.g. Bank of USA), available balances in the default accounts of the default payment source, and prompts the user to confirm the selected default.
  • the default payment source e.g. Bank of USA
  • the user can activate the "Select" control to select the default account and payment source, or navigate to an alternative payment source.
  • the user After selection and/or confirmation of the payment source via screen 2614, the user is presented with a screen 2616 that allows selection of a payment method.
  • the user uses the "Back" and “Next” keys to navigate the menu and uses "Select” control or a numeric key to make a selection.
  • the "Paper Check” payment method is shown highlighted and therefore chosen.
  • the Select control in screen 2616 the user is presented with a screen 2618 that requests a confirmation of the payment and the selected payment method, e.g. "Send a paper check to Mr. John Doe's default address?" At this point, the user may select a "Yes,” “No,” or "Cancel" control.
  • screen 2618 In response to selection of the "Yes” control is screen 2618, the user is presented with a screen 2620 that requests confirmation of the transaction and includes information about the transaction including the name and mailing address of the payee.
  • the screen 2618 includes a "Pay,” “Change Address,” and “Next” control that operate to confirm the payment, or change the payee's address.
  • FIG. 27 shows a sequence of mobile device screen views 2700 from a payee's perspective, via a payee's mobile device, for a "Pay Avenue" payment method, where a user, selects/enters payee's name and uses a paper check payment method according to an exemplary aspect of the invention.
  • the information shown may be presented to the payee either by a sequence of text messages (SMS) or by displays generated by the Mobile Wallet application if loaded and activated on the payee's mobile device.
  • SMS sequence of text messages
  • an SMS text message is received from the SMS generator 151 , or similar information generated by the Mobile Wallet application running on the payee's mobile device.
  • the payee is notified that someone with a phone number 404-404-4040 has sent a payment in the amount of $123.45, via a paper check mailed to an indicated address.
  • the message to the payee includes a default payment address for mailing of the check.
  • the screen 2702 preferably includes a "Confirm” control, a "Change Address” control, and a "Cancel" control.
  • the payee/recipient can confirm that the displayed name and address for as stored in the MFTS database is correct for mailing the check.
  • the payee has the ability to change the mailing address by activating the "Change Address” control.
  • a separate screen (not shown) is displayed at which the payee is allowed to enter an alternative address.
  • a screen view 2704 is shown that prompts the payee to confirm the mailing address.
  • the screen 2704 also preferably includes a "Done” control, a "Change Address” control, and a "Cancel” control.
  • the "Change Address” control works in the manner described elsewhere.
  • Activating the "Done” control causes display of a screen 2706 that prompts the user to set the currently displayed address as a default mailing address for the payee. If the payee activates the "Yes" control in screen 2706, then the default address information is sent back to the MFTS 18 for storage in association with other information relating to this particular payee. Otherwise, the default address is not changed.
  • a screen 2708 is displayed that prompts the payee/recipient to confirm the mailing of a check to the currently displayed address.
  • a "Yes” and a “No” control are provided to confirm or reject the mailing to the indicated address. If the answer is "Yes”, the payee's answer is sent to the MFTS 18 for further processing of the transaction.
  • the payee receives a confirmation message or display 2710 indicating that the paper check payment will be mailed to the address the payee specified previously. At this point, the payee may activate a "Done" control to finish with this function or a "Next" control process another transaction, if applicable.
  • FIG. 28 is a sequence diagram of a "Pay anyone" by paper check payment method or process 2800 according to an exemplary aspect of the invention, showing the interactions among a payee's mobile device 2801 , the MFTS 18, a third party address provider 2840, a third party payment provider 2860, and a payee 2880.
  • the mailing address of the payee is located by: (1) retrieving a default address information associated with the payee stored in the MFTS database, (2) entered by the user (the payer), or (3) entered by the payee, or (4) through a third party address provider. If the address information is not available at the time the user requested paper check payment, the MFTS sends a request to the third party address provider to perform address lookup.
  • this method 2800 involves steps (not shown) for authentication of the user/payee to the MFTS 18, authentication by the MFTS 18, and sending an authentication confirmation message and user's payee list to the user's mobile device 15.
  • the user opens the Mobile Wallet application and enters the password or PIN
  • the MFTS authenticates the login and sends user's current payee list to the user's Mobile Wallet of his/her mobile device. This action allows the user to proceed with use of the Mobile Wallet application.
  • the user selects "Pay anyone" and selects a payee name from the payee list received during the login or enters a payee name.
  • the user then enters a payment amount with the mobile device in and selects the paper check payment method. Similar steps have been described in detail elsewhere and need not be repeated here.
  • a mobile payment instruction (MPI) message (not shown) is generated by the user's Mobile Wallet application and communicated to the MFTS 18.
  • the MPI will typically include the payment amount, payment method (in this case a paper check payment), and payee information.
  • the MPI is received at the MFTS 18 and processed to initiate the paper check payment method according to this aspect of the invention.
  • the MFTS 18 examines the payment instruction and generates a message 2806 to a third party address provider to obtain the address of the payee.
  • payee address information is stored in a table in the user database 158 (FIG. 2) indexed by mobile phone number, by name, or by other information.
  • the message 2806 is communicated to an independent address provider 2840 that provides address information in response to provision of a phone number.
  • the requested address information is provided from the third party address provider 2840 via a message 2810.
  • the message 2810 is received by the MFTS 18 at step 2812 and formulated into a message 2814 including the payee's address information that is communicated to the payee's mobile device 2802.
  • a display such as that shown at screen 2702 in FIG. 27 is generated to the payee, as indicated by 2802. It will be understood that the payee may receive an SMS message with this information or the Mobile Wallet application running on the payee's mobile device may provide this information to the payee.
  • the payee confirms the address presented, via screens as shown in FIG. 27.
  • a confirmation message 2820 is generated and returned to the MFTS 18.
  • the MFTS formulates an MFTS payment instruction (MFTSPI) message 2824 and communicates this message to a third party payment provider 2860.
  • the third party payment provider receives the message at step 2826, and processes the MFTSPI message 2828 to generate a paper check that is mailed to the payee at the address indicated in the messages.
  • the payee 2880 receives the paper check payment via mail.
  • FIG. 29 shows a sequence of payer's mobile device screen views 2900 for a "Pay Avenue by phone number" payment method according to an exemplary aspect of the invention.
  • the payer/user selects/enters a mobile device phone number to identify a payee, although it will be understood that other ways to identify a payee are contemplated.
  • a payment method involving use of a stored value (SV) card according to an exemplary aspect of the invention.
  • SV stored value
  • the payer can alternatively select an ACH or paper check payment method, and that the particular payment method described is merely exemplary of payment using a stored value card.
  • SV stored value
  • a payment instruction is provided by a system constructed as described herein to a payment instruction recipient that has facilities for issuing a new stored value card or adding value to a pre-existing stored value card.
  • various entities may serve the function of the payment instruction recipient regarding issue of a stored value card, including a financial service provider or a billing aggregator (either separately or in conjunction with another entity that handles SV card), a stored value card issuer, or a retail establishment that handles stored value cards.
  • making a payment to a stored value card typically involves acquisition by a payee of a "blank” or “unloaded” magnetic stripe or electronic smart card from a vendor of SV cards, followed by "loading" of the card with value (i.e. payment credits that can be drawn upon) by presenting the card to a vendor of the SV card having a terminal that can read information from the magnetic stripe or other electronic data storage medium on the card.
  • the vendor then loads the card by providing information to a back office system indicating the amount of credit or payments available for use on the card, and returning the card to the cardholder.
  • funds can be loaded onto a conventional stored value card from a mobile device (a new stored value card that is issued to a payee, or loading or reloading a preexisting stored value card), in the manner shown and described herein.
  • the user first selects the Mobile Wallet application in screen 2902, provides authentication information (e.g. a login) via screen 2904, and is authenticated by the MFTS before being presented with options for making a payment at screen 2906.
  • the user selects the "Pay anyone" option.
  • the user is provided with a short menu of options as shown in screen view 2908 to select a payee, either by name or by mobile phone number.
  • the user in response to selection of the option "Paying by Mobile Phone” by either entry of the numeral "2" or activating the Select control, the user is presented with a screen 2910 for entry of the payee/ recipient's mobile phone number.
  • an exemplary payee's phone number 404-555-2121 is entered as shown in the screen view 2910.
  • the screen 2910 further includes controls for Next, Back, and Cancel, which operate in the manner as previously described to continue the process, return to a previous screen, or cancel the transaction.
  • the user is presented with a payment amount data entry screen 2912 for entry of the amount to pay.
  • the user then enters the amount to pay.
  • the user has entered $123.45.
  • the amount entry screen 2912 includes a Next, Back, and Cancel control.
  • the user is presented with a screen 2914 that displays the default payment source (e.g. Bank of USA), available balances in the default accounts of the default payment source, and prompts the user to confirm the selected default.
  • the user can activate the "Select" control to select the default account and payment source, or navigate to an alternative payment source.
  • the user is presented with a screen 2916 that allows selection of a payment method. The user uses the "Back" and “Next” keys to navigate the menu and uses "Select" to make a selection. In this example, the Stored Value Card payment method is shown highlighted and therefore chosen.
  • the user is presented with a screen 2918 that displays a confirmation of the payment and the selected payment method.
  • the exemplary screen 2918 displays a stored value card number for a preexisting card of the payee (pre-stored), and provides buttons for Pay, New Card, and Cancel. Selection of the Pay button results in making payment via the pre-existing stored value card, while selection of the New Card button results in issuance of a new stored value card. It will of course be understood that a stored value card number of a pre-existing card of a payee is pre-stored in the user/payer's mobile device or elsewhere, so as to enable payment in this manner. Selection of the Pay button would then cause display of the screen 2922, which indicates that the payment of $ 123.45 was made to the stored value card, using the pre-existing card number.
  • a display screen 2920 is provided, indicating a location at which a new and "loaded” stored value card may be obtained.
  • the screen 2920 shows "Please pick up your new stored value card at CVS store as 123 Main St.” plus a transaction ID.
  • the screen 2922 is displayed and provides a confirmation screen that advises the payer that a payment in the indicated amount ($123.45 in this example) is paid to the mobile number identified, to the indicated stored value card account.
  • the account balance of the utilized payment source is updated and displayed to reflect the reduction of the available funds.
  • FIG. 30 shows a sequence of mobile device screen views 3000 from a payee's perspective, via a payee's mobile device, for a "Pay anyone" option where a user selects/enters a mobile device phone number and uses a stored value card payment method according to an exemplary aspect of the invention.
  • the information shown may be presented to the payee either by a sequence of text messages (SMS) or by displays generated by the Mobile Wallet application if loaded and activated on the payee's mobile device.
  • SMS text messages
  • an SMS text message is received from the SMS generator 151 , or similar information generated by the Mobile Wallet application running on the payee's mobile device.
  • the payee is notified that someone with a phone number 404-404-4040 has sent a payment in the amount of $123.45 for delivery via a stored value card.
  • the message to the payee includes a default payment receipt method, for example, deposit to a predetermined stored value card account.
  • the screen 3002 preferably includes a "Confirm” control, a "Change Card” control, and a "Cancel" control.
  • the payee/recipient can confirm that the displayed stored value card account number stored in the MFTS database is correct for the payment.
  • the payee has the ability to change to another stored value card account by entering a new account number after activating the "Change Card” control.
  • FIG. 31 shows a sequence diagram for a "Pay Suite" payment method 3100 involving use of a stored value card according to an exemplary aspect of the invention. This sequence diagram shows the interactions among the following parties: payee's mobile device 3102, the MFTS 18, a third party Stored Value Card provider 3140, and a payee 3160.
  • a user/payer selects a stored value payment method as shown in step 3104 and communicates this decision to the MFTS 18 through a MFTS PI 3106.
  • the MFTS sends a request to the third party Stored Value Card provider to create a transaction and a transaction ID as shown in step 3108.
  • the payment amount is drawn from the payment source of the user (the payer) and the third party Stored Value Card provider configures a stored value card account on behalf of the payee in step 3112 with a message 3110.
  • the payee receives the transaction ID in an SMS message and is informed stored value card pick up locations as shown in step 3116.
  • the payee can then acquire a stored value card from a retail location associated with the stored value card vendor and have the card "loaded” as shown in step 3118.
  • a message 3120 is sent to third party stored value card provider to provide the transaction ID, card number and phone number etc at step 3122.
  • step 3104 it is first assumed that the user/payer has already selected the stored value card payment method, in a manner as described elsewhere, and have provided the MFTS 18 with a mobile payment instruction (MPI) indicating the payment amount and selected payment method.
  • the MFTS 18 receives this MPI and generates a corresponding MFTS payment instruction (MFTSPI) message 3106 containing information required by a third party pre-paid (stored value) card provider or vendor 3140, and if required, effects a funds transfer to the card provider by drawing on the selected payment source of the user/payer.
  • the MFTSPI 3106 is communicated to the third party stored value card provider 3140, and received at step 3108.
  • the MFTSPI will include a zip code provided by the payee or payer, to facilitate location of one or more retail locations at which the payee can obtain an unloaded SV card (or can reload an existing SV card).
  • the third party stored value card provider 3140 generates a transaction identifier (ID) and conducts a zip code lookup to locate one or more nearby retail locations for the payee to pick up and/or load a Stored Value Card.
  • the transaction ID is maintained by the card provider to be used for authentication purposes when the payee requests that the card be loaded with the payment.
  • the third party card provider 3140 generates a message 3110 back to the MFTS 18 to inform the system that the stored value card account is configured and ready for use.
  • this message 3110 includes information that allows the payee to identify locations at which an unloaded stored value card may be obtained and then loaded, and the transaction ID number.
  • the MFTS 18 receives the message 3110 and generates a message 3114 to the payee's mobile device 3102 advising that a payment has been made, locations that a card may be obtained and/or loaded at certain retail locations associated with the card vendor, and the transaction ID, which is required for authentication of the card to the payee. Exemplary screens in this regard as shown in FIG. 30.
  • the payee's mobile device 3102 receives the message 3114 and displays (either via SMS text message or via the Mobile Wallet application, if installed) information informing the payee that a payment is waiting by stored value card payment method, and information as to potential pick up locations for obtaining and/or loading a stored value card.
  • the payee physically goes to a location identified in the message and obtains a stored value card, typically not yet loaded.
  • the payee with the stored value card presents the card to a retail location or terminal associated with the third party card provider 3140, so as to load the card for use.
  • the third party card provider 3140 is presented with a stored value card by the payee, with a request to activate and/or load the card with the payment.
  • the third party card provider typically at this time requires authentication information to activate and/or load the stored value card.
  • the authentication information comprises one or more of the following items of information: the transaction ID number, the card number, the mobile phone number, and optionally other information such as name, address, etc.
  • the card provider loads the card with the funds provided earlier, obtained from the user/payer.
  • the stored value card, now loaded with the payment is returned to the payee 3160 through transaction 3126, who can then use the card at locations that accept the particular type of stored value card, as a payment form.
  • the payee already has a Stored Value Card, he/she can contact the third party Stored Value Card provider 3140 to claim the payment with an existing Stored Value Card, and follow the steps from 3122.
  • information corresponding to the stored value card can be displayed in the first instance to the payer, for provision (e.g. via a note or writing) to a payee that does not have a mobile device that can receive SMS messages or run the Mobile Wallet application, or does not have a mobile device at all.
  • the user/payer can load additional funds into a stored value card account associated with the payee, as the name of the payee will be stored in the MFTS 18 as described above, and can therefore be quickly and readily reused to provide additional funds to the selected payee.
  • FIG. 32 shows a sequence 3200 of mobile device screen displays corresponding to a "Balance Transfer" financial transaction option according to an exemplary aspect of the invention.
  • a balance transfer is a financial transaction involving the transfer of funds between different accounts of the same user.
  • a balance transfer allows a user of the MFTS to use his or her mobile device to obtain and monitor information relating the user's financial accounts, and move funds from one account to another.
  • the user first selects the Mobile Wallet application in screen 3202, provides authentication information (e.g. a login) via screen 3204, and is authenticated by the MFTS before being presented with options for making a payment (or balance transfer) at screen 3206.
  • the user selects the "Balance Transfer" option.
  • the user is provided with a Balance Transfer screen 3208 that allows selection of a funds transfer from one of a plurality of selectable accounts.
  • the user can select to transfer funds from a MasterCardTM account, a VISATM account, a DiscoverTM account, a GaSL account, or a Bank of USA account as payment sources usable for a balance transfer.
  • Corresponding balances associated with such accounts are also preferably displayed in accordance with this aspect of the invention.
  • the screen 3208 further preferably includes a
  • an exemplary screen for the selected account e.g. Bank of USA
  • Screen 3210 displays several different accounts associated with the particular payment source, Bank of USA, namely, a savings balance, a checking balance, and other (e.g. a money market account).
  • the screen 3210 further preferably includes a "Select,” “Back,” and “Next” controls for navigation and selection, similar to that in other functions.
  • the screen 3210 shows the checking balance highlighted and therefore selected.
  • screen 3212 is displayed.
  • Screen 3212 presents the list of available account/payment sources similar to that of screen 3208, except indicated for a transfer to as opposed to a transfer from.
  • the screen 3212 further preferably includes a "Select,” “Back,” and “Next” controls for navigation and selection, similar to that in other functions.
  • the screen 3212 shows the GaSL account highlighted and therefore selected.
  • an exemplary screen for the selected account e.g. GaSL
  • Screen 3214 displays several different accounts associated with the particular account a balance transfer destination, GaSL, namely, a savings balance, a checking balance, and other (e.g. a money market account).
  • the screen 3214 further preferably includes a "Select,” “Back,” and “Next” controls for navigation and selection, similar to that in other functions.
  • the screen 3214 shows the checking balance highlighted and therefore selected.
  • a balance transfer confirmation screen 3216 is displayed.
  • the balance transfer confirmation screen 3216 provides a data entry region for user entry of an amount of funds transfer, e.g. $2000 is shown.
  • the screen 3216 further preferably includes a "Transfer,” “Back,” and “Next” controls for navigation and selection, similar to that in other functions.
  • a balance transfer confirmation screen 3218 is displayed, containing information indicating that the balance transfer has been effected.
  • the balance transfer of $2000 is transferred from a Bank of USA checking account to a GaSL checking account.
  • screen 3218 includes a display of the current balances of each of the accounts involved in the balance transfer, updated to reflect the balance transfer.
  • FIG. 33 is a sequence diagram of a balance transfer payment method or process 3300 according to an exemplary aspect of the invention, showing the interactions among a payer/user's mobile device 15, the MFTS 18, a first financial W
  • initial steps 3302, 3304, 3307, and 3309 in the balance transfer method involve receiving authentication message 3306 from the user/payee, authentication by the MFTS 18, and sending an authentication confirmation message 3308 to the user's mobile device 15.
  • the user opens the Mobile Wallet application at step 3302 and enters the password or PIN in 3304, the MFTS authenticates the login and sends activates the user's Mobile Wallet of his/her mobile device in step 3307. This action allows the user to proceed with use of the Mobile Wallet application at step 3309. The user then selects Balance Transfer option in step 3310.
  • the mobile device formulates a mobile payment instruction (MPI) message 3314 and transmits this message to the MFTS 18.
  • the MPI message 3320 includes information identifying a payment source account, a destination account, and a balance transfer amount, so that the MFTS can construct appropriate MFTS payment instructions to the selected and identified financial institutions.
  • the MFTS 18 receives the MPI message 3314 and constructs an appropriate MFTS payment instruction (MFTSPI) message 3318 for communication to the first or payment source financial institution 30A.
  • MFTSPI MFTS payment instruction
  • the first or payment source financial institution 3OA receives the MFTSPI message 3318 and debits the selected account for the indicated amount of funds.
  • the first or payment source financial institution 30A then takes action in accordance with its own procedures to transfer these funds to the selected second financial institution 3OB through a message 3322, as indicated at step 3320.
  • the second or destination financial institution 30B updates its records to indicate receipt of funds.
  • the first and second financial institution 30A, and 30B provide balance transfer confirmation messages, indicated by messages 3330A, 3330B, back to the MFTS 18, so that the MFTS 18 can update its local record of the funds available at each of the accounts at each of the financial institutions.
  • the MFTS 18 receives the balance transfer confirmation messages 333OA, 333OB and updates the records of the user to reflect the balance transfer.
  • the MFTS 18 communicates a balance transfer confirmation message 3332 to the mobile device 15.
  • the mobile device 15 receives the balance transfer confirmation message 3332 and updates its local storage of the balances associated with the user's accounts and financial institutions, to reflect the completion of the balance transfer.
  • aspects of the present invention involve a payee either (1) receiving and sending a series of SMS messages (text messages) in order to interact with the MFTS to select a payment receipt method, or (2) installing and utilizing the Mobile Wallet application on the payee's mobile device in order to interact with the MFTS to select a payment receipt method and/or be enabled to conduct transactions (make payments) as an MFTS user.
  • a payee thus need not have the Mobile Wallet application installed on his or her mobile device in order to realize the benefits of certain aspects of the invention.
  • a payee with most currently available types of mobile device is presented with an opportunity to download, install, and use the Mobile Wallet, in accordance with certain features and aspects of the invention.
  • persons to whom a user wishes to make a payment can be provided with an opportunity to download the Mobile Wallet application and receive the benefits of both receiving payments and selecting payment receipt options in accordance with described aspects of the invention, as well as utilizing the mobile payment services provided by an operator of the MFTS 18.
  • the present invention includes aspects for informing a payee of the opportunity to download and utilize the Mobile Wallet application and register as a user of the MFTS, provide the code for the Mobile Wallet via a wireless download, activate the payee to become a user of the MFTS services and utilize the Mobile Wallet application as a user.
  • FIG. 34 shows a sequence of mobile device screen views 3400 from a payee's perspective, via a payee's mobile device, for a payment receipt method that includes steps for providing a payee with an opportunity to download and install the Mobile Wallet application, register for service with the MFTS, and thereby becoming users themselves of the MFTS services.
  • the method allows the so-called "viral spreading" of the benefits of the Mobile Wallet application and use of the MFTS, by providing payees who receive payments from users who are already participants in the MFTS system with the ability to download and use the Mobile Wallet application quickly and easily, thereby becoming new MFTS users, and in turn spread the benefits in turn to payees of the new MFTS user.
  • Such new user's payees in turn are likewise afforded the opportunity to join and participate.
  • SMS sequence of text messages
  • a payee typically receives a text (SMS) message that indicates that a user has sent the payee a payment, and advising the payee as to how to receive the payment.
  • SMS text
  • the screen or message 3402 states that "404-404-4040 has sent you a payment of $123.45.”
  • the screen or message 3402 includes the text, "Your mobile device does not have the necessary application to receive the payment, do you want to download the application?"
  • a "Yes" control and a "Cancel" control are also preferably provided so that the user can elect to receive the application download or to receive the payment without installing the mobile device application.
  • a screen is displayed if the user selects the "Cancel" button as shown in screen view 3402.
  • the screen view (not shown in FIG. 34) provides the user other options such as receiving the payment with paper check, by way of ACH transaction, or a stored value card.
  • the user may respond the payment with a text (SMS) message back to the payer and inform the payer how he/she would like to receive the payment without installation of the mobile device application.
  • SMS text
  • the responses the user send to the payer may include the method of the reception of the payment, as well as the user's address information, or account information and any other related information.
  • a message bearing the maker name, model number of the mobile device is sent back to the MFTS through the MCSP.
  • the MFTS identifies the type of mobile device possessed by the payee and an appropriate Mobile Wallet application code, that is executable on the payee's mobile device, is sent to the mobile device, and a self installation process starts on the mobile device after the Mobile Wallet application code is downloaded to the mobile device.
  • a text message indicating that a installation operation has begun may be displayed, as illustrated at screen view 3404.
  • a conventional progress bar may be displayed as part of the installation process, as shown in screen or message 3404 to advise the payee of the installation progress.
  • a "Cancel" control is optionally provided so that the payee may terminate the installation operation if desired.
  • a completion screen or message 3406 is displayed, according to one embodiment of the invention.
  • This completion screen view 3406 preferably indicates that the installation of the Mobile Wallet application is completed.
  • the Mobile Wallet application then executes and displays screens (or messages) that it generates.
  • the Mobile Wallet application may optionally prompt the payee to enter a PIN for use of the application and/or an account of the payee maintained by the MFTS operator.
  • "Next,” “Back,” and “Cancel" controls are also provided for their indicated functions.
  • a PIN confirmation screen 3408 is preferably next displayed to prompt the payee to re-enter the PIN for confirmation.
  • "Next" and “Cancel” controls are preferably provided.
  • a Payment Received screen 3410 is displayed. This screen preferably repeats the text that "404-404-4040 has sent you a payment of $123.45," and further includes text prompting the payee to select one of a plurality of possible payment reception methods.
  • the payee is presented with the options of receiving payment by ACH, paper check, or stored value (SV) card.
  • the paper check payment method is shown highlighted in screen 3410 and therefore selected.
  • the MFTS is able to obtain the mail address of the user based on the phone number through a third party address provider. If the user decides to receive the paper check with a different address, the user selects the "Change Address" button on a screen view 3412.
  • a plurality of screen views may follow to allow the user to change, edit and confirm a new mailing address.
  • the screen 3412 requesting confirmation of the mailing address, etc. is preferably displayed, as described elsewhere in greater detail.
  • a payment confirmation screen 3414 confirming the mailing address of the payment (or other selected payment method, if selected) is preferably displayed next, as described elsewhere in greater detail.
  • the payee has now downloaded and installed the Mobile Wallet application and is enabled for further use, upon provision of further registration information such as provision of account information to set up payment sources that can be used for the payee (now a user) to make payments to billing entities and other persons in accordance with previously described aspects of the invention.
  • further registration information such as provision of account information to set up payment sources that can be used for the payee (now a user) to make payments to billing entities and other persons in accordance with previously described aspects of the invention.
  • the user's mobile device is currently enrolled, and enabled in the MFTS, the user still needs to visit the MFTS user web site to add, enter information relating to payment source, billing entities etc. This information entry will be discussed later in this document.
  • FIG. 35 is a sequence diagram of a Mobile Wallet installation by payee method or process 3500 according to an exemplary aspect of the invention, showing the interactions among a mobile device 3501 of a payee/prospective user, the MFTS 18, and a third party payment provider 3OP, so as to enable a payee to receive a payment, download and install the Mobile Wallet application to the payee's mobile device 3501 and thereby be enabled as a user of the MFTS.
  • the steps of the method 3500 are typically carried out after a user has instructed the MFTS 18 to make a payment to a particular payee by mobile telephone number or name, and the MFTS contacts the payee by one or more messages to advise the payee that a payment is pending.
  • the steps in method 3500 therefore typically occur at the point of determining a payment delivery method to the payee.
  • the first step taken is the receipt by a payee, a non- subscriber to the services of the MFTS 18 operator, of a message 3503 indicating that a user has made a payment to the payee.
  • this message is text message (SMS) delivered to the mobile number of the payee.
  • SMS text message
  • the non-subscriber/payee sees the message as shown in screen view 3402 of FIG. 34 and determines whether he/she wants to download and install the Mobile Wallet application for his or her mobile device, e.g. by selecting the "Yes" control in screen 3402 in FIG. 34.
  • a message 3506 is returned to the MFTS 18, with the confirmation of the downloading and installation of the mobile wallet application, as well as the make and model number, or serial number of the mobile device.
  • the MFTS downloads an appropriate Mobile Wallet application to the designated mobile device and installs the downloaded Mobile Wallet application as indicated by message 3510.
  • the user is notified that the download and installation operations are complete, and the payee/ prospective user is prompted to create a login (or PIN, or password, as appropriated) and become a user of the MFTS.
  • the payee/user is provided with a Payment Received screen including details of the payment and requesting selection of a payment method.
  • the user selects a desired payment method (e.g. ACH, paper check, or stored value card), and at step 3520 provides applicable account details needed for the payee/user to receive payment.
  • This account setup information is communicated to the MFTS 18 via one or more electronic messages 3520.
  • the MFTS 18 receives the account setup information and stores the account information in association with identification information corresponding to the payee/user, in the user database of the MFTS.
  • the MFTS 18 communicates an MFTS payment instruction (MFTSPI) message 3523 to a selected third party payment provider 3OP or financial institution 30 (e.g.
  • MFTSPI MFTS payment instruction
  • step 3524 an ACH payment generator, or a paper check issuer, or a stored value card vendor
  • the MFTS 18 After providing this MFTSPI to the selected payment provider, also at step 3522 the MFTS 18 provides a payment confirmation message 3526 to the payee/user through his/her mobile device 3501. At step 3528 the payee/user receives the payment confirmation information that the payment has been sent for processing.
  • the payee (now a registered user of the MFTS services) is empowered and enabled not only to receive further payments via the installed Mobile Wallet application, but also to register billing entities to whom payments should be made, as well as the payee/user's payment sources.
  • the payee/now user can also facilitate the spread of the Mobile Wallet application and convenient use of the MFTS and associated services by making payments to others that may not have the Mobile Wallet, and thereby facilitate the spread of use of the systems and methods of the present invention.
  • the new user is preferably provided with information identifying the MFTS website and prompting the new user to access the web application (FIGS. 37 - 42) to enter and provide detailed information relating to billing entities, persons to pay, payment sources, accounts, viewing of transaction details, default payment and receipt methods, etc.
  • a serial screen view 3600 are shown for a registered user to change the login PIN when such an action is needed, according one embodiment of the present invention.
  • the screen views 3602 and 3604 were explained elsewhere in this document and are not described here.
  • the user highlights and selects the "Change PIN" option from a menu provided on the screen view.
  • this action requires the user to enter the current PIN number for verification in screen view 3608.
  • the user is requested to enter a new PIN in screen view 3610 and to re-enter the PIN again for verification purpose in screen view 3612.
  • the PIN comprises six numerical digits for easy remembrance and can be extended to any reasonable length.
  • the PIN comprises alpha-numerical digits, if the mobile device has a full keyboard. In one embodiment, the PIN comprises case-sensitive alpha-numerical digits. In another embodiment, the PIN comprises not case-sensitive alpha-numerical digits. In one embodiment, the PIN is fixed length. In another embodiment, the PIN is variable length with pre-determined minimum length and maximum length.
  • a message is sent to the MFTS to notify the MFTS to change the PIN and store the changed PIN in the user database of the MFTS.
  • the MFTS sends a confirmation message back to the user's mobile device to inform the user that the PIN is successfully changed, and this message is displayed on the screen view 3614.
  • an option button "Main Menu” brings the user to the main menu screen view 3616 of the mobile wallet application.
  • FIG. 37 is an illustrative screen display of the web application 154, in particular, the user site web application 153 (FIG. 2).
  • FIG. 37A illustrates aspects of enrollment of a user for use of the services provided by the MFTS 18.
  • FIGS. 37B, 37C, & 37D illustrate aspects of adding or editing mobile devices, and editing aspects of a mobile device.
  • the web application provides a User Site screen display 3701 which includes a first region 3705 including a plurality of selectable links or buttons for pre-determine functions, a second region 3710 for data entry, and a plurality of user control 3715 to provide specific functionality.
  • selectable links labeled "Mobile Devices", “Accounts”, “Payees”, and “Logout” are provided in the first region 3705.
  • a user's selection of the Mobile Devices link presents the display as shown in 3701, which enables a user manage Mobile Devices for use in connection with the MFTS according to an aspect of the invention.
  • a user's activation of Accounts links provides a display as will be discussed in connection with FIG. 38.
  • a user's activation of the Payee's link provides a user's display as shown in FIG. 39 as will be discussed below.
  • the data entry second region 3710 displays the mobile numbers of any Mobile Devices that have previously been enrolled by the current user for use with the MFTS 18.
  • the second region 3710 shows a single Mobile Device number (404) 505-6060, which is an exemplary mobile telephone number.
  • the selectable user control 3715 provides commands to implement functions in conjunction with enrolled mobile number(s).
  • the user control 3715 comprises an "Add Device” button 3717, an "Initialize Device” button 3720, an "Edit Device” button 3725, a “Lost Device” button 3730, an "Unlock Device” button 3735, and a "Delete Device” button 3740.
  • the "Lost Device” function is to disable a reported lost mobile device for user's protection.
  • the "Unlock Device” function is to re-enable a disabled mobile device or re-activate a mobile device after several consecutive failed logins.
  • the "Delete Device” function is to remove an enrolled mobile device from mobile financial transaction system service.
  • the display screen 370 IB includes a data entry region 3745 for entry of a mobile device phone number, into which a user can enter a number.
  • a "Submit Query" button 3750 is provided to cause the web application to utilize the number entered into the data entry region 3745 and enter/retrieve user information corresponding to the mobile device number such that information may be entered for use in connection with the MFTS 18, or that properties or information relating to a pre-entered number may be edited.
  • FIG. 37C illustrates a User Site display screen 3701C which is displayed to a user upon entry of a new mobile device number, in order to configure the Mobile Device for use with the MFTS 18 in accordance with aspects of the invention.
  • a text (SMS) message is transmitted to the mobile device with the mobile device number entered.
  • This SMS message in accordance with an aspect of the invention, provides information to the user at the mobile device for downloading and installation of a mobile device application so as to configure the mobile device for use in connection with the system.
  • Instructional information such as shown at 3760 is preferably displayed to the user, informing the transmission of the text message and the instruction.
  • an initialization code is provide for the mobile device for security purposes, with a prompt to the user to enter the initialization on code upon running of the mobile device application on the mobile device.
  • FIG. 37D provides a display screen 370 ID comprising a message 3765 displayed in response to user activation of the "Delete Device" button 3740 in FIG. 37 A.
  • FIG. 38 illustrates various exemplary User Site display screens 3801 that are displayed by the web application 154 in response to user activation of the Accounts link or button in the controller region 3705.
  • a display screen of 3801 A is initially provided in response to activation of the "Accounts" button.
  • the display screen 3801 A includes an information display region 3805 comprising a listing of one or more accounts associated with the user presently interacting with the MFTS 18, an informational display region 3810 displaying specific and detailed information regarding a selected account, shown highlighted in region 3805, and a plurality of control buttons 3815 to implement functions with respect to a selected account.
  • the account “Kyle's Checking” is shown highlighted in region 3805, and specific information regarding the selected account such as routing number, account number, account nickname, etc., is shown in informational display region 3810.
  • the user controls 3815 include an "Add Account” dropdown menu 3817, an "Edit Selected” button 3820, and a "Delete Selected” button 3825.
  • User selection of the "Add Account” menu 3817 or activation of the "Edit Selected” button 3820 leads to a display screen such as shown in FIG. 38B as screen 3801 B.
  • FIG. 38B illustrates aspects of the web application for editing information relating to a selected account.
  • the display screen 3801 A includes exemplary data entry regions 3830 for displaying and editing specific information relating to a selected account. For example, in accordance with an aspect of the invention, there is provided a region for entry and editing of routing and transit number 3832, entry and editing of an account number 3835, entry and edit of account type 3840, and entry and editing of a nickname for an account 3845.
  • a "Submit” button 3850 is provided to update and save the information
  • a "Cancel” button 3855 is provided as operative in a manner known to those skilled in the art.
  • FIG. 38C is an exemplary User Site display screen 3801C that is displayed by the web application 154 in response to user selection of an account in region 3805 (FIG. 38A) that is a card type account, for example, a credit card or a stored value card, as opposed to a bank account, such as shown in FIG. 38B.
  • the display 3801C includes an information display region 3860 for information relating to a card type account.
  • the display areas include a card number display region 3862 and a nickname region 3865, for entry of a short name for the account to promote remembrance.
  • a "Next" button 3870 moves to another account of a plurality of accounts stored and maintained by the MFTS 18, and the "Cancel" button 3875 operates in a known manner.
  • FIG. 38D illustrates an exemplary display screen 380 ID, that is displayed in response to a user change of information relating to a card account, e.g. if a user changes any information relating to a card account such as in FIG. 38C.
  • the display screen 380 ID includes an informational display region 3880 for displaying a card number of an account that has been selected for entry or editing, and a personal identification number (PIN) data entry region 3885 for entry of a PIN associated with a card account for security purposes.
  • PIN personal identification number
  • a "Submit" button 3890 and a "Cancel” button 3895 are provided and are operative in the known manner.
  • FIG. 39 illustrates User Site display screen 3901 that is displayed in response to user activation of the "Payees" link or button in region 3705, for managing payees for receiving payments in accordance with an aspect of the invention.
  • the "Manage Payee" display screen 390 IA includes a region 3905 for displaying information relating to payees that have been previously input by a user into the MFTS 18, either by the web application 154 or, as appropriate, via mobile device application entry.
  • FIG. 3901 A at least information relating to a name of a payee and a mobile device number of the payee is displayed.
  • a payee in the system has other information stored in association therewith, including an address of the payee (if available), a default payment method, a preferred account number for one or more payment methods available to the particular payee, and other identifying information.
  • a particular payee may be highlighted or displayed specific information and for operations such as editing or deletion.
  • control buttons for an "Add Payee” button 3910, an "Edit Selected” button 3915, and a "Delete Selected” button 3920 are control buttons for an "Add Payee" button 3910, an "Edit Selected” button 3915, and a "Delete Selected” button 3920. User selected of the "Add Payee” button 3910 or the "Edit Selected” button 3915 produces a display such as is shown in FIG. 39B.
  • FIG. 39B is an exemplary User Site display screen 390 IB that is displayed in response to a user of the web application electing to add a payee or edit a selected payee.
  • the exemplary display screen 3901b includes a data entry and display region 3925, which displays information relating to a particular payee that was selected in FIG. 39 A, and allows entry or updating of the information.
  • a "First Name" field 3927 there is provided in this embodiment of the invention.
  • a "Last Name" field 3930 there is provided a "Last Name” field 3930, and a "Phone Number” field 3935.
  • address information, account number information, a default selection for payment method field, and other information is also provided.
  • a "Submit” button 3940 and a “Cancel” button 3945 are provided and are operative in the known manner.
  • Those skilled in the art will understand and appreciate from a review of FIGS. 37-39 that there is provided an internet-accessible web application input/output interface 154 that allows users to input and edit information relating to "Mobile Devices", “Accounts”, and “Payees” so as to provide functionality as described elsewhere in this document.
  • FIG. 40 is an alternative embodiment of user display screens generated by a web application input/output interface 154, construction in accordance with an alterative aspect of the invention.
  • FIGS. 40-42 provide an alternative method for user interaction with the web application, with a somewhat different manner of displaying information and receiving user interaction with respect to selected accounts, mobile devices, billing entities, and payment sources.
  • FIG. 40 illustrates an exemplary display screen 4001 provided by the web application for managing accounts.
  • the display screen 4001 is provided by the web application for managing accounts.
  • the display screen 4001 includes three selectable tabs, an "Account Summary” tab 4005, a "Billing Entities” tab 4010, and a "Payment Sources” tab 4015. Shown selected in FIG. 40 is the "Account Summary” tab 4005.
  • the information associated with the "Account Summary” tab 4005 includes information relating to the particular user including an account number, mobile number associated with the user's mobile device, and other identifying information as is shown. Other relevant information relating to the user such as address information, registration date information and other information relating to billing entities and payment sources is preferably provided in a display area 4035.
  • An “Edit” button 4020 is provided for editing the information displayed, while a “New” button 4025 is provided for generating a data entry display screen that would allow entry of the information as is shown in FIG. 40.
  • FIG. 41 is an exemplary alternative display screen 4101 is displayed in response to user activation of the "Billing Entities" tab 4010.
  • the information displayed in the display screen 4101 includes information identifying the specific account or mobile device number for the current user, as well as a display region 4120 that displays information regarding a plurality for "billers" or billing entities, or people to whom a payment can be made, e.g., a payee and "pay anyone” payment scenarios as described elsewhere in this document.
  • An "Edit” button 4020 and a “New” button 4025 are provided and are operative in a manner described above and will be known to those skilled in the art.
  • the billers data region 4120 as shown in FIG. 41 includes selectable tabs for a plurality of billers, 4105, 4110, and 4115.
  • the activation of the "New" button 4025 adds a new tab and a new page for a new "biller".
  • the exemplary tab 4110 is shown as selected, and displays information relating to a particular biller for which information has been previously entered.
  • an exemplary billing entity George Electricity Company is shown together with a relevant account number, address, and other identifying information required so as to enable the MFTS 18 to receive a bill from the billing entity and generate a payment to this billing entity in accordance to the aspects of the invention.
  • a current balanced data display region 4125 which displays information relating to a current account balance with respect to the identified and selected biller, e.g., "Biller 2" shown in tab 4110.
  • FIG. 42 is an exemplary alternative web application display in the form of a display screen 4201 displayed in response to selection of the payment sources tab 4015.
  • the exemplary display screen 4201 includes the information identifying the account being viewed such as account number, mobile number, etc., as in the previous screen, and also provides an "Edit” button 4020 and a "New” button 4025 operative as described elsewhere and in the known manner.
  • the "Payment Sources" tab 4015 also includes an information display region 4220 for displaying information relating to a selected account.
  • a plurality of selectable tabs with respect to specific accounts available to the user are provided in exemplary selectable tabs 4205, 4210, 4215, which are identified as “Bank 1", “Bank 2", and “Bank 3". Shown selected in FIG. 42 is "Bank 2" 4210.
  • the display region 4220 thus display information associated with the selected payment source, which in this case identifies a specific financial institution and a specific account associated with the selected financial institution.
  • the information preferably include the name of the payment source, e.g., "Georgia Best Bank", and the corresponding account number, account type, address, and other identifying ... l information.
  • information display region 4225 for displaying a current balance associated with the selected account.
  • web application input/output interface 154 can alternatively provide display screens and controls such as shown in FIGS. 40-42, to allow user data entry and editing payment sources, billing entities or other payees, in accordance with aspects of the invention.

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Abstract

L'invention concerne des procédés et des systèmes de conduite de transactions financières dans un environnement mobile, au moyen d'un dispositif mobile, tel qu'un téléphone mobile ou un assistant numérique (PDA) à raccordement sans fil communiquant avec un système de transaction financière mobile (MFTS) qui enregistre des données relatives à l'utilisateur et aux transactions. Le MFTS reçoit, pour le compte d'un utilisateur d'un dispositif mobile, des informations se rapportant à des factures à payer ou à d'autres paierments à effectuer. Le MFTS reçoit également des informations se rapportant à des sources de paierment disponibles et exploitables pour la réalisation de paiements. Des informations choisies se rapportant à des paiements et à des sources de paierment sont communiquées à l'utilisateur du dispositif mobile, par le biais d'un réseau sans fil, et proposées à l'écran au choix de l'utilisateur. L'utilisateur choisit un paiement à effectuer et une source de paierment. Une instruction de paiement mobile est générée et communiquée au MFTS, lequel donne à un destinataire de l'instruction de paiement l'ordre d'effectuer un paiement au crédit d'un bénéficiaire identifié. Des soldes de compte et de paiement mis à jour en temps réel sont transmis au dispositif mobile de l'utilisateur.
EP06774549A 2006-07-06 2006-07-06 Procédés et systèmes de conduite de transactions financières dans un environnement mobile Withdrawn EP1938571A4 (fr)

Priority Applications (9)

Application Number Priority Date Filing Date Title
EP08103091A EP1980986A3 (fr) 2006-07-06 2006-07-06 Procédé et systèmes pour gérer les sources de paiement dans un environnement mobile
EP08103098A EP1980987A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour équilibres des comptes en temps réel dans un environnement mobile
EP08103086A EP1956543A3 (fr) 2006-07-06 2006-07-06 Procédé et systèmes pour la visualisation d'obligations de paiement regroupées dans un environnement mobile
EP08103081A EP1978477A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour effectuer un paiement via une carte à valeur stockée dans un environnement mobile
EP08103090A EP1980985A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour fournir un paiement dans un environnement mobile
EP08103106A EP1978478A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour indiquer un paiement dans un environnement mobile
EP08103102A EP1980988A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes de distribution d'un portefeuille mobile pour un dispositif mobile
EP08103078A EP1980984A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour effectuer un paiement via un chèque dans un environnement mobile
EP08103115A EP1965343A3 (fr) 2006-07-06 2006-07-06 Procédé et systèmes pour la sélection de la méthode de paiement par un bénéficiaire dans un environnement mobile

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US2006/026399 WO2008005018A2 (fr) 2006-07-06 2006-07-06 Procédés et systèmes de conduite de transactions financières dans un environnement mobile

Related Child Applications (9)

Application Number Title Priority Date Filing Date
EP08103106A Division EP1978478A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour indiquer un paiement dans un environnement mobile
EP08103115A Division EP1965343A3 (fr) 2006-07-06 2006-07-06 Procédé et systèmes pour la sélection de la méthode de paiement par un bénéficiaire dans un environnement mobile
EP08103090A Division EP1980985A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour fournir un paiement dans un environnement mobile
EP08103098A Division EP1980987A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour équilibres des comptes en temps réel dans un environnement mobile
EP08103078A Division EP1980984A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour effectuer un paiement via un chèque dans un environnement mobile
EP08103102A Division EP1980988A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes de distribution d'un portefeuille mobile pour un dispositif mobile
EP08103081A Division EP1978477A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour effectuer un paiement via une carte à valeur stockée dans un environnement mobile
EP08103086A Division EP1956543A3 (fr) 2006-07-06 2006-07-06 Procédé et systèmes pour la visualisation d'obligations de paiement regroupées dans un environnement mobile
EP08103091A Division EP1980986A3 (fr) 2006-07-06 2006-07-06 Procédé et systèmes pour gérer les sources de paiement dans un environnement mobile

Publications (2)

Publication Number Publication Date
EP1938571A2 true EP1938571A2 (fr) 2008-07-02
EP1938571A4 EP1938571A4 (fr) 2011-03-09

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Family Applications (10)

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EP08103106A Withdrawn EP1978478A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour indiquer un paiement dans un environnement mobile
EP08103098A Withdrawn EP1980987A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour équilibres des comptes en temps réel dans un environnement mobile
EP08103102A Withdrawn EP1980988A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes de distribution d'un portefeuille mobile pour un dispositif mobile
EP08103090A Withdrawn EP1980985A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour fournir un paiement dans un environnement mobile
EP06774549A Withdrawn EP1938571A4 (fr) 2006-07-06 2006-07-06 Procédés et systèmes de conduite de transactions financières dans un environnement mobile
EP08103081A Withdrawn EP1978477A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour effectuer un paiement via une carte à valeur stockée dans un environnement mobile
EP08103078A Withdrawn EP1980984A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour effectuer un paiement via un chèque dans un environnement mobile
EP08103086A Withdrawn EP1956543A3 (fr) 2006-07-06 2006-07-06 Procédé et systèmes pour la visualisation d'obligations de paiement regroupées dans un environnement mobile
EP08103115A Withdrawn EP1965343A3 (fr) 2006-07-06 2006-07-06 Procédé et systèmes pour la sélection de la méthode de paiement par un bénéficiaire dans un environnement mobile
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EP08103098A Withdrawn EP1980987A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour équilibres des comptes en temps réel dans un environnement mobile
EP08103102A Withdrawn EP1980988A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes de distribution d'un portefeuille mobile pour un dispositif mobile
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EP08103078A Withdrawn EP1980984A3 (fr) 2006-07-06 2006-07-06 Procédés et systèmes pour effectuer un paiement via un chèque dans un environnement mobile
EP08103086A Withdrawn EP1956543A3 (fr) 2006-07-06 2006-07-06 Procédé et systèmes pour la visualisation d'obligations de paiement regroupées dans un environnement mobile
EP08103115A Withdrawn EP1965343A3 (fr) 2006-07-06 2006-07-06 Procédé et systèmes pour la sélection de la méthode de paiement par un bénéficiaire dans un environnement mobile
EP08103091A Withdrawn EP1980986A3 (fr) 2006-07-06 2006-07-06 Procédé et systèmes pour gérer les sources de paiement dans un environnement mobile

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JP5627888B2 (ja) 2014-11-19
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WO2008005018A2 (fr) 2008-01-10
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CN101553838A (zh) 2009-10-07
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EP1980986A2 (fr) 2008-10-15
KR20120087895A (ko) 2012-08-07
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CA2656985A1 (fr) 2008-01-10
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WO2008005018A9 (fr) 2010-01-21
EP1980987A3 (fr) 2011-03-09
EP1980987A2 (fr) 2008-10-15
EP1980985A2 (fr) 2008-10-15
BRPI0621862A2 (pt) 2011-09-20
JP2009543185A (ja) 2009-12-03
EP1978478A2 (fr) 2008-10-08
EP1965343A2 (fr) 2008-09-03

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