KR20130095801A - Real-time mobile payment processing system - Google Patents

Abstract

A method, system, and apparatus are disclosed. In one embodiment, the method comprises the step of receiving an recipient phone number by an electronic gift telephone module (EGPM). The EGPM also receives a gift data set that includes a gift identifier. The EGPM is The recipient telephone number and at least some gift data are sent to an electronic gift processing server module (EGPSM). The EGPSM purchases a recipient gift using the gift identifier. The EGPSM also sends a notification of the recipient gift purchase to the recipient phone number.

Description

Real-time mobile payment processing system {REAL-TIME MOBILE PAYMENT PROCESSING SYSTEM}

The present invention relates to processing payments of electronic gifts through a network.

As more and more smartphones are employed as social networking devices and as defacto handheld computing devices, there are many opportunities to provide services that leverage always-on and always-connected smartphone computing devices. have. money Lifting services generally involve payment through financial institutions and banks. This adds complexity as well as security risk levels to service transactions.

The invention is illustrated by way of example and not by the figures, wherein like reference numerals indicate like elements.
1 illustrates an embodiment for a group of computing devices capable of implementing a real-time mobile payment system.
2 is within each computing device of a real-time mobile payment system. An embodiment of the main components is described.
3 illustrates a more specific embodiment of one or more computing devices of a real-time mobile payment system.
4 is a real-time mobile payment system through the network A flowchart of an embodiment of a process for implementing.

Disclosed are principles of a method, system, and apparatus for implementing a real-time mobile payment system.

1 illustrates an embodiment for a group of computing devices capable of implementing a real-time mobile payment system.

Electronic gifts sent throughout the network can take many forms, but common forms are gift cards to one or more retail establishments, which gift recipients can use to purchase goods. have. The gift card may be for a particular retail store or the gift card may be a more general credit card or at any store that accepts such a credit card. Similarly, which can be used to purchase goods It may be a general gift card based.

In many embodiments, computing devices are communicatively coupled to one another via one or more networks, such as the Internet 100. For example, computing devices are all connected to each other via the Internet. It can communicate with each other via different networks. Each computing device in the group may access the internet using a unique internet provider, or two or more of the devices may use the same internet provider. The computing devices that make up a group can take many forms. Cellular smartphones, laptop computers, desktop computers, television set-top computers or gaming systems, workstations, or servers are some of the many forms of computing devices that can communicate over the Internet or through one or more other networks.

In general, at least three main devices are used to create a real-time mobile payment system: the gift receiving device 102, the gift transmitting device 104, and the gift processing server device 106. In many embodiments, the gift receiving device 102 is a kind of cellular telephone because the gift is sent to the target phone number in the form of an electronic gift card. Gift transmission device 104 may also be a cellular telephone, but this is not necessary because the gift transmission software application may be loaded into a laptop, desktop, or other type of computer system. In many embodiments, the gift sending software application is a web based application. With web-based applications, any type of computing device that connects to the Internet can act as a gift sending device. For example, a gift transmission device 108, which is a laptop computer instead of a cellular phone, may also have a gift transmission application installed and likewise easily used as a gift transmission device. Therefore, although the apparatus 104 shown in this example is a transmitting apparatus, the gift transmitting apparatus may be any apparatus shown in FIG. In other words, the device 102 receiving the gift in this example is not shown. In another embodiment, the same process may be transmitting the gift.

Gift transmission device 104 with a gift transmission application generally allows a user to launch a gift transmission application. The gift sending application may allow a user to browse a number of retailer websites that allow purchases through electronic gift cards. If the gift card type is determined, the gift sending application contacts the gift processing server 106. The gift processing server 106 receives an electronic gift card purchase request. The gift processing server 106 may receive payments directly from the gift sending application. Payment can be charged by credit card, by a money-exchanging electronic account such as PayPal®, or potentially by filling in a monthly service bill on the gift sending device 104. Can be. For example, when the gift transmitting apparatus is a cellular telephone, the gift processing server 106 may charge the cellular telephone bill of the gift transmitting apparatus 104 for the amount of the electronic gift card purchase.

In many embodiments, the gift transmitting device 104 transmits a set of gift data to the gift processing server 106. The gift data set includes the gift receiving device 102 as well as the type of electronic gift card to purchase (essentially, the identity of the gift), the amount to be credited to the electronic gift card, and payment information to be paid for the purchase of the electronic gift card. How to get in touch To gift processing server It may include the telephone number of the providing gift recipient. This gift data set may be transmitted from the gift transmitting device 104 to the gift processing server 106 via the Internet 100 in one or more data packets.

The gift processing server 106 may complete the purchase transaction by contacting the required retailer to purchase the electronic gift card once it has received the payment information for the gift purchase. In some embodiments, the gift processing server 106 is first sent from the gift transmitting device 104. After receiving full payment for the purchase, and receiving the money, they conduct an intermediary transaction in which they contact the retailer electronically (eg, via their website) to purchase an electronic gift card. In another embodiment, the gift processing server 106 does not perform an intermediary transaction to receive payment before purchasing an electronic gift card, but instead simply facilitates an electronic gift card purchase transaction between the gift sending device and a retail store.

When the gift processing server 106 performs an intermediate purchase, essentially two currency transactions, i.e., the gift transmitting device 104 pays the gift processing server 106, and 2) then the gift processing server ( A currency transaction occurs where 106 pays a retailer for an electronic gift card. If there is no intermediate purchase, the gift processing server 106 receives the credit card information from the gift transmitting device 104 and provides the information to the retailer for direct electronic gift card purchase. Thus, in this second example, the retailer bills the user's credit card directly for the electronic gift card. In addition to the basic cost for purchasing an electronic gift card, the gift processing server 106 may also charge the gift transmission device 104 for a gift processing convenience fee. This convenience fee may be fixed to the credit card payment amount or may be separately charged using the telephone bill of the gift transmitting device 104 (in the embodiment where the device 104 is a telephone). For example, in such an embodiment where the device 104 is a telephone, the convenience fee may be similar to the cost paid by the cellular telephone user when calling directory assistance.

Once the purchase of the electronic gift card is completed and the electronic gift card information is received for use by the gift processing server, the gift processing server 106 may initiate a notification to the gift receiving device 102. In some embodiments, the notification may be in the form of an SMS text message that may include a link to a retailer's website that will redeem the electronic gift card with the product. In another embodiment, the notification may be in the form of an automatic voice call to the gift receiving device 102 instructing the user of the device 102 to perform a predetermined command for exchanging an electronic gift card with a product. In yet another embodiment, the notification may be in the form of an email sent to an email service that may be received by an email application on the gift receiving device 102.

Once the purchase of the electronic gift card is completed, the gift processing server 106 may send a notification to the gift transmitting device 104 that the electronic gift card purchase has been successfully completed. Such notifications may take the form of electronic receipts that classify the costs associated with the purchase and verification in the form of payments and usage payments. In another embodiment, the notification may be an SMS text message, email, or automatic voice mail referring to the successful completion of the purchase. In yet another embodiment, the gift sending application may purchase any outstanding electronic gift. It may include a graphical interface for dynamically updating the status of a receipt electronic gift receipt purchase.

The gift receiving device 102 may include a gift receiving application that activates when a notification for a received gift arrives from the gift processing server 106. The gift receiving application may request a user of the gift receiving device 102 for an acknowledgment that the gift notification has been received. The acknowledgment from the gift receiving device 102 may be in one of the same SMS / voice / email electronic communication forms described above. In many embodiments, gift recipient device 102 may transmit a reminder more than once in accordance with an acknowledgment of an electronic gift card. The gift receiving application may also include a graphical interface where the acknowledgment is simply a single button click. Once the user acknowledges the receipt, an acknowledgment notification can then be sent to the gift processing server 106, and the gift processing server 106 can forward this confirmation response to the gift transmitting device 104. These confirmation response notifications It may take the same form as the previous acknowledgment notification regarding (ie via text message, visual notification in the graphical interface of the gift sending application, etc.).

The electronic gift card can provide a link to the retailer's website and a password to access the gift card amount. This information can be sent to any given device connected to the Internet 100. Thus, it may be possible to exchange / use an electronic gift card with a commodity in any device connected to the Internet 100. The only limitation would be the ability of the receiving user to browse the goods the user would like to purchase using the gift card. Thus, even if the receiving device receives the electronic gift card, the user may want a delay in using the gift card until he or she is able to access another device, such as device 108. The reason why the gift is redeemed for the gift using the auxiliary device may be that the gift receiving device is a low-cost mobile phone that does not have the ability to properly exchange the gift for the goods. If the gift receiving device 102 is capable it may exchange the gift for a product or the gift receiving device 102 may send electronic gift card information to the gift exchange device 108 to exchange the gift for the product. .

In another embodiment, the gift data set sent from the gift sending device 104 to the gift processing server 106 may also include data specifying whether to track usage of the electronic gift card purchased by the gift processing server 106. have. In some embodiments, electronic gift card usage may be tracked by the retailer and this data may be sent to gift processing server 106 upon request. Therefore, the gift processing server 106 can inform the gift transmission device 104 when the electronic gift card is used for purchase, how much the purchase is, and how much is left in the gift card. In some embodiments, this may act like a gift subscription informing the buyer of the gift when the gift is about to run out. This will allow the buyer to purchase more reserves for the electronic gift card before the electronic gift card runs out of funds.

2 illustrates an embodiment of the major components within each computing device of a real-time mobile payment system.

Computing devices A, B, and C (200, 202, and 204, respectively) Is shown. Each computing device includes at least a processor, an operating system on which the processor runs, and a memory storing software applications, and a network interface that provides communication between the computing device and other computing devices communicatively coupled to the Internet 100. The network interface is different from other devices can be different. For example, a network interface on a cellular telephone may be connected to an antenna that transmits and receives signals over the cellular network, while the network interface on the server may connect the server to the local network by an Ethernet cable. These individual networks may all be generally connected to the Internet 100. Thus, although the device AC of FIG. 2 can communicate over a network using different protocols and transmission schemes, each device can be indirectly connected to the Internet 100, and the Internet 100 allows them to communicate with each other. .

Computing device A 200 includes at least an electronic gift phone module (EGPM) 206. The EGPM 206 may reside in the gift transmission device 104 of FIG. 1. EGPM 206 initiates the gift process by sending the following information to the gift processing server:

기프트 수신자의 전화 번호(Gift receiver's phone number)

Gift receiver's phone number

기프트 카드 유형(Type of gift card)

Type of gift card

기프트 카드 송신 날짜(Date of sending the gift card)

Date of sending the gift card

카드에 적립할 전자 기프트의 금액(Amount of electronic gift to fund the card), 및

Amount of electronic gift to fund the card, and

확인 응답 유형(Type of acknowledgement)

OK response Type of acknowledgment

These listed The information may generally be referred to as a gift data set that is sent from a gift sending device to a gift processing server. The gift recipient's telephone number enables telephone-based communication that facilitates sending the gift to the gift recipient device. The type of gift card includes an identifier of a retailer to purchase the gift card. The gift card transmission date enables a delay between the purchase of a gift card and sending it to the gift recipient device (eg, the sender wants the gift to reach the recipient's birthday). The amount of electronic gift to be credited to the gift card specifies the monetary amount to put on the electronic gift card. Finally, the acknowledgment type indicates whether the simple notification of the gift card reception by the gift receiving device is sufficient or whether the additional notification should be received depending on whether the card is used.

Computing device B 202 includes at least an electronic gift processing server module (EGPSM) 208. Since EGPSM 208 may reside in a gift processing server 106 (FIG. 1), computing device B 202 may be a server. The EGPSM 208 purchases an electronic gift on behalf of the sender, and as described above, the server may directly charge the monthly bill of the gift sending device (as long as the sending device is a telephone), or on the sender's credit card. You can claim The EGPSM 208 may track the use of the gift card when requested by the gift sending device. Finally, EGPSM 208 sends a gift notification to the gift receiving device and also sends an acknowledgment of the purchase (and potentially receipt) of the gift by the gift receiving device.

Computing device C 204 corresponds to a gift receiving device 102 of FIG. 1. The computing device may include an electronic gift receiver module (EGRM) 210. EGRM 210 operates on low cost mobile phones that are optional and may not have the ability to run gift applications. This may be due to limitations in processing, operating system, security, and the like. EGRM allows gift receiver users to retrieve gift information using a web interface and also authenticates users using credentials such as a password provided with the received electronic gift card notification message.

3 illustrates a more specific embodiment of one or more computing devices of a real-time mobile payment system.

Although the computing device shown in FIG. 3 may comprise an expensive smartphone, each computing device A, B, and C of FIG. 2 may include some or all of the components shown in FIG. 3.

Computing device 300 is shown. This computing device may be a desktop, server, workstation, laptop, smartphone, television set top, media center, game console, integrated system (such as in an automobile), or other type of computing device. In various embodiments, computing device 300 is also referred to as a “processor”. One or more central processing units (CPUs). Although there are potentially many CPUs in many embodiments, only the CPU 302 is shown in the embodiment shown in FIG. 3 for clarity. The CPU 302 may be an Intel® Corporation CPU or another brand of CPU. In another embodiment, the CPU 302 includes one or more cores. CPU 302 includes four cores (cores 304, 306, 308, and 310) It is shown.

In many embodiments, each core includes internal functional blocks such as one or more execution units, retrieval units, general purpose and dedicated register sets, and the like. CPU 302 may also include one or more caches, such as cache 312. In many embodiments not shown, additional caches other than cache 312 are implemented such that multiple levels of cache exist between execution units and memory in each core.

In many embodiments, CPU 302 provides an interface for communicating with volatile memory 316 and / or non-volatile memory 318. One or more integrated memory controllers 314. In another embodiment, not shown, the memory controller 314 may be located in a discrete component separate from the CPU 302 elsewhere in the computing device 300.

Volatile memory 316 may include dynamic random access memory (DRAM), such as a kind of double data rate (DDR) DRAM or other forms of volatile memory. Nonvolatile memory 318 may include flash memory, phase change memory (PCM), or other type of nonvolatile memory technology. Volatile memory 316 may be a general purpose memory that stores data and instructions operated by CPU 302. In addition, there may be other potential devices within computer system 300 that have the ability to read and write to system memory, such as direct memory access (DMA) -enabled I / O (input / output) devices.

Links that connect the CPU 302 with the memories 316 and 318 (ie, buses, interconnects, etc.) may include one or more optical, metal, or other devices that can carry data, address, control, and clock information. Wires (ie, lines).

The platform controller hub (PCH) 320 (eg, I / O controller circuit complex) includes an I / O interface that enables communication between the CPU 302 and external I / O devices. Such a hub may include one or more I / O adapters, such as I / O adapter 322. I / O adapters are located within the CPU 302 The host communication protocol used is converted into a protocol compatible with a specific I / O device (not shown). Some of the protocols that a given I / O adapter can translate to include Peripheral Interconnect (PCI), Universal Serial Bus (USB), IDE, SCSI, and 1394 "firmware." In addition, there may be one or more wireless protocol I / O adapters. Examples of wireless protocols are especially Bluetooth, IEEE 802.11 based wireless protocols, and cellular protocols. In addition to I / O devices, PCH 320 may also be connected to one or more embedded controllers (ECs), each of which may include many functions.

In another embodiment, PCH 320 is CPU 302. It is a discrete device placed outside. In this embodiment, an interface such as a direct memory interface (DMI) connects the CPU to the PCH. However, this embodiment Not shown.

The graphical interface 324 can provide an interface with a link coupled to a discrete graphics controller (discrete graphics controller not shown). Such an interface may be a high speed platform device interconnect (PCI) -express interface or other high speed interface. In another embodiment, the CPU 302 may include an integrated graphics controller and the graphical interface 324 may be connected to a display device 326, such as a monitor. In many embodiments, such an interface is high speed and can transmit significant graphical data traffic (eg, 3D graphics, video, etc.) over a link.

The network interface 328 may be connected to the network via a wired connection (eg, Ethernet, etc.) or wireless connection (eg, cellular telephone networks (3G, 4G, etc.), IEEE 802.11 wireless standards, WiMAX, etc.) connected to the network port 330. It can provide an interface of. The wireless connection uses antenna 332 to transmit / receive data over the wireless network.

Computing device 300 also includes system management firmware 334 that provides boot instructions to initialize computing devices and components. In other embodiments, the system management firmware may be basic input / output system (BIOS), extended firmware, or other forms of firmware instructions that may be used by the computing device during the boot process.

In another embodiment, one or more electronic gift modules (eg, electronic gift modules 336A and 336B) (described above with respect to FIG. 2) may be stored in one of the memories. According to the computing device embodiment described in FIG. 3 (ie, the gift receiving device, gift sending device, or gift processing server), the electronic gift module (s) 336A / B may be EGPM, EGPSM, or EGRM of FIG. Or a combination of two or more of these modules.

4 is a real-time mobile payment system through the network A flowchart of an embodiment of a process for implementing.

The process is performed by processing logic that can be implemented in hardware circuitry, software program, firmware code, or a combination of any of the three logic forms described above. This process involves, in many embodiments, three separate devices: a gift receiving device (102 in FIG. 1), a gift transmitting device (104 in FIG. 1), and a gift processing server (106 in FIG. 1). These devices are shown at the top and the processing steps beginning at a given device are indicated by arrows starting from the vertical dashed lines below each device block.

The process initiates the gift transmission process initiation by providing the recipient phone number, gift amount, gift card type, specific gift acknowledgment policy, and gift payment information to the gift processing server by the processing logic in the gift transmitting apparatus (processing step (processing step ( 400)). As clearly stated above, this information may be considered a gift data set.

The processing logic in the gift processing server then purchases the electronic gift card using the received gift data set (processing step 402). Next, the processing logic in the gift processing server sends a gift notification to the gift receiving device (processing step 404). In addition, processing logic in the gift processing server not only notifies the completion of the gift purchase but also sends an acknowledgment to the gift transmitting apparatus notifying that the gift has been sent to the gift receiving apparatus (processing step 406).

The gift receiving device received the notification of the gift At a later point in time, processing logic in the gift receiving device sends the acceptance of the gift and potentially the redemption of the gift to the gift processing server (processing step 408). When the gift receipt is received, the processing logic in the gift processing server transmits an acknowledgment that the gift has been received by the gift receiving device to the gift transmitting device (processing step 410).

Next, depending on the level of information tracking requested by the gift sending device during the purchase of the gift, the processing logic in the gift processing server may elapse over time. The use of the electronic gift card may be tracked (processing step 412). Next, as the processing logic in the gift sending device queries the use of the gift card (processing step 414), the processing logic in the gift processing server responds with the gift card usage notification sent to the gift sending device (processing step ( 416)) The process ends.

The components of embodiments of the present invention may also be provided in non-transitory machine readable media storing machine executable instructions. Machine-readable media is limited to Flash memory, optical discs, compact disc read only memory (CD-ROM), digital multifunction / video disc (DVD) ROM, random access memory (RAM), erase and programmable read only memory (EPROM), electrical erase and Programmable read only memory (EEPROM), magnetic or optical cards, propagation media or other forms of machine readable media suitable for storing electronic instructions.

In the foregoing description and In the claims, the terms "comprise" and "comprise" may be used with their derivatives and may be synonymous with each other. Intended to be considered. Additionally, in the following description and claims, the terms "coupled" and "connected" may be used with their derivatives. It is to be understood that these terms are not intended as synonyms for each other. Rather, in certain embodiments, “connected” may be used to indicate that two or more components are in direct contact with each other physically or electrically. “Coupled” may mean that two or more components are in direct physical or electrical contact. However, “coupled” may mean that two or more components are not in direct contact with each other, but can still cooperate, interact, or communicate with each other.

In the foregoing description, specific terminology has been used to describe embodiments of the present invention. For example, the term "logic" refers to hardware, firmware, software (or any combination thereof) that performs one or more functions. For example, examples of "hardware" include, but are not limited to, integrated circuits, finite state machines, or even combinatorial logic. The integrated circuit may take the form of a processor such as a microprocessor, application specific integrated circuit, digital signal processor, or microcontroller.

Throughout this specification Reference throughout this to "one embodiment" or "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment is included in at least one embodiment of the present invention. Be aware of this. Thus, the appearances of "an embodiment" or "an embodiment" or "an alternative" in various places in the specification are not necessarily all referring to the same embodiment. Pay attention and be aware of this. In addition, certain features, structures or properties may be combined as appropriate in one or more embodiments of the invention.

Likewise, in the foregoing description of the embodiments of the present invention, various features are often set forth in a single embodiment, figure, or description of the invention for the purpose of streamlining the disclosure to aid in understanding one or more of the various aspects of the invention. Be aware that they are grouped together. However, this way The disclosure is intended to require features that are claimed to be more than those explicitly recited in each claim. It should not be construed as a reflection of intention. Rather, as the following claims reflect, an aspect of the invention is less than all of the features of the single embodiment disclosed above. It is in the enemy. Thus, following the detailed description The claims are expressly included in the detailed description of the invention.

Claims (23)

The electronic gift phone module (EGPM) receiving a receiver phone number;
The first EGPM receiving a set of gift data, the gift data set including at least a gift identification;
The EGPM sending at least a portion of the gift data set including the recipient phone number and the gift identifier to an electronic gift processing server module (EGPSM);
The EGPSM purchasing a recipient gift using at least the gift identifier; And
The EGPSM sending a notification of the recipient gift purchase to the recipient phone number
≪ / RTI > The method of claim 1,
The EGPSM notifies the recipient gift purchase Transmitting to the EGPM. The method of claim 1,
The EGPM to the application on the website The method further comprises the step of being executed. The system of claim 1, wherein the first telephone identified by the recipient telephone number implements an electronic gift receiver module (EGRM), the EGRM providing a gift retrieval interface for retrieving at least the recipient gift. How. 5. The method of claim 4,
The gift search interface displaying a notification of receipt of the recipient gift purchase on the first telephone;
The gift search interface providing a secure login to the recipient, wherein the secure login is to authenticate the recipient; And
Upon authentication of the recipient, the gift retrieval interface further comprising providing access to the recipient gift sent from the EGPSM. The method of claim 1,
Wherein the gift data set includes gift payment type information, and wherein the gift payment type information can include one of credit card information and direct telephone bill information. The method of claim 1,
Tracking, by the EGPSM, usage information of the electronic gift; And
Sending, by the EGPSM, the tracked usage information to the EGPM. As a system,
First device comprising an electronic gift phone module (EGPM)-The EGPM,
Receive a recipient phone number;
Receive a set of gift data, the gift data set comprising at least a gift identification;
Send at least a portion of the gift data set including the recipient phone number and the gift identifier to an electronic gift processing server module (EGPSM); And
A second device comprising the EGPSM-The EGPSM,
Purchase a recipient gift using at least the gift identifier;
Sending a notification of the recipient gift purchase to the recipient telephone number-
/ RTI > The system of claim 8, wherein the EGPSM is further operative to send a notification of the recipient gift purchase to the EGPM. 9. The method of claim 8,
The EGPM further comprising executing as an application on a website. 9. The method of claim 8,
A third device, the mobile telephone capable of communicating via a cellular telephone network, further comprising a third device identifiable by said recipient telephone number,
The third device is operative to execute an electronic gift receiver module (EGRM),
The EGRM provides a gift search interface for retrieving at least the recipient gift. The system of claim 11, wherein the gift search interface is further:
Display a notification on receipt of the recipient gift purchase on the first telephone;
Provide a secure login to the recipient, wherein the secure login is to authenticate the recipient;
Upon authentication of the recipient, operative to provide access to the recipient gift sent from the EGPSM. 9. The method of claim 8,
The gift data set includes gift payment type information, and wherein the gift payment type information may include one of credit card information and direct telephone bill information. The method of claim 8, wherein the EGPSM is further,
Track usage information of the electronic gift;
And transmit the tracked usage information to the EGPM. As a system,
First computing device-The first computing device,
A first processor;
First memory for storing instructions
Wherein the instructions, when executed by the first processor, cause the first processor to:
Receive a recipient phone number;
Receive a set of gift data, the gift data set comprising at least a gift identification;
Perform at least a portion of the gift data set including the recipient telephone number and the gift identifier to an electronic gift processing server module (EGPSM);
Second computing device-The second computing device,
A second processor;
Second memory for storing instructions
Wherein the instructions, when executed by the second processor, cause the second processor to:
Purchase a recipient gift using at least the gift identifier;
To perform a second process comprising sending a notification of the recipient gift purchase to the recipient telephone number;
/ RTI > 16. The method of claim 15,
Further comprising a third computing device,
The third computing device,
A third processor;
Third memory for storing instructions
Wherein the instructions, when executed by the third processor, cause the third processor to:
And perform a third process comprising providing a gift search interface for retrieving the recipient gift. The method of claim 16, wherein the third Process,
Notification of the receipt of the recipient gift purchase Display on the first telephone;
Provide a secure login to the recipient, wherein the secure login is to authenticate the recipient;
And upon authentication of the recipient, providing access to the recipient gift sent from the EGPSM. 16. The method of claim 15,
The gift data set includes gift payment type information, and wherein the gift payment type information may include one of credit card information and direct telephone bill information. The method of claim 18, wherein the second process,
Track usage information of the electronic gift,
Sending the tracked usage information to the first computing device. The system of claim 15, wherein the first and third devices comprise mobile telephones. As an apparatus,
Electronic gift phone module (EGPM)-The EGPM is,
Receive a recipient phone number;
Receive a set of gift data, the gift data set comprising at least a gift identification;
Send at least a portion of the gift data set including the recipient telephone number and the gift identifier to an electronic gift processing server module (EGPSM) located at a remote server device-the transmitted recipient telephone number and At least a portion of the gift data set is to provide EGPSM information to complete the purchase of the recipient gift;
Receiving a notification from the recipient phone number of the recipient gift purchase; And
Electronic gift receiver module (EGRM) providing a gift search interface for retrieving at least one recipient gift
/ RTI > The system of claim 21, wherein the gift search interface is further:
Display a notification on receipt of the recipient gift purchase on the first telephone;
Provide a secure login to the recipient, wherein the secure login is to authenticate the recipient;
Upon authentication of the recipient, operative to provide access to the recipient gift sent from the EGPSM. 22. The apparatus of claim 21, wherein the gift data set includes gift payment type information and the gift payment type information can include one of credit card information and direct telephone bill information.

Images