SG11201806703QA - System and method for bill payment through message on a mobile communication device - Google Patents

System and method for bill payment through message on a mobile communication device

Info

Publication number
SG11201806703QA
SG11201806703QA SG11201806703QA SG11201806703QA SG11201806703QA SG 11201806703Q A SG11201806703Q A SG 11201806703QA SG 11201806703Q A SG11201806703Q A SG 11201806703QA SG 11201806703Q A SG11201806703Q A SG 11201806703QA SG 11201806703Q A SG11201806703Q A SG 11201806703QA
Authority
SG
Singapore
Prior art keywords
payment
user
bill payment
mobile communication
international
Prior art date
Application number
SG11201806703QA
Inventor
Rakesh Deshmukh
Sudhir Bangarambandi
Original Assignee
Oslabs Pte Ltd
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
Application filed by Oslabs Pte Ltd filed Critical Oslabs Pte Ltd
Publication of SG11201806703QA publication Critical patent/SG11201806703QA/en

Links

Classifications

    • 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
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/102—Bill distribution or 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/30—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
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3672—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes initialising or reloading thereof

Abstract

INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (10) International Publication Number (43) International Publication Date WO 2017/137882 Al 17 August 2017 (17.08.2017) WIPO I PCT (51) International Patent Classification: G06Q 20/32 (2012.01) G06Q 20/38 (2012.01) G06Q 20/36 (2012.01) (21) International Application Number: PCT/IB2017/050641 (22) International Filing Date: 7 February 2017 (07.02.2017) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 10201600952P 8 February 2016 (08.02.2016) SG (71) Applicant: OSLABS PTE. LTD. [SG/SG]; 30 Cecil Street, #10-05 Prudential Tower, Singapore 049712 (SG). (72) Inventors: DESHMUKH, Rakesh; 122 Anjani Nagar, Airport Road, Indore,Madhya Pradesh, India, Indore 452001 (IN). BANGARAMBANDI, Sudhir; 202, DE- COR, Indian Bank Officer's Qtrs, Shastri Nagar, Near Lokhandwala Circle, Andheri (W),Mumbai, Maharashtra, India, Mumbai 400053 (IN). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Declarations under Rule 4.17: — of inventorship (Rule 4.17(iv)) Published: — with international search report (Art. 21(3)) before the expiration of the time limit for amending the claims and to be republished in the event of receipt of amendments (Rule 48.2(h)) (54) Title: SYSTEM AND METHOD FOR BILL PAYMENT THROUGH MESSAGE ON A MOBILE COMMUNICATION = DEVICE FIG. 1 100 (57) : The present invention provides a system and method for enabling a user to make bill payment through bill notifica- tion SMS received by the user. In one embodiment, the smart bill payment is enabled on a mobile communication device of the user by a smart bill payment application installed in the mobile communication device. In another embodiment, a feature embedded in the operating system of the mobile communication device enables the smart bill payment. The system identifies a bill payment SMS re- ceived on the mobile communication device and prompts the user to initiate payment through the bill payment SMS. Once the user initiates the payment, the user is directed to a bill payment application displaying the payment page with a preferred mode of pay- ment and details of payment being prefilled. The user is enabled to make payment by clicking submit button to complete the pay- ment. 1111111111111101110111111111110101111101110111011111111H1101011111111111110111111 W O 20 17 / 137 88 2 Al
SG11201806703QA 2016-02-08 2017-02-07 System and method for bill payment through message on a mobile communication device SG11201806703QA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SG10201600952P 2016-02-08
PCT/IB2017/050641 WO2017137882A1 (en) 2016-02-08 2017-02-07 System and method for bill payment through message on a mobile communication device

Publications (1)

Publication Number Publication Date
SG11201806703QA true SG11201806703QA (en) 2018-09-27

Family

ID=59563842

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11201806703QA SG11201806703QA (en) 2016-02-08 2017-02-07 System and method for bill payment through message on a mobile communication device

Country Status (3)

Country Link
US (1) US20190050845A1 (en)
SG (1) SG11201806703QA (en)
WO (1) WO2017137882A1 (en)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10937025B1 (en) 2015-01-15 2021-03-02 Wells Fargo Bank, N.A. Payment services via application programming interface
US10621658B1 (en) 2015-01-15 2020-04-14 Wells Fargo Bank, N.A. Identity verification services with identity score through external entities via application programming interface
US10664821B2 (en) * 2015-07-22 2020-05-26 Mastercard International Incorporated Multi-mode payment systems and methods
US20180336524A1 (en) * 2017-05-16 2018-11-22 Apple Inc. Business messaging interface
US20180374058A1 (en) * 2017-06-23 2018-12-27 Mastercard International Incorporated Systems and Methods for Use in Facilitating Transfers Associated With Electronic Messages
US11676126B1 (en) 2017-12-28 2023-06-13 Wells Fargo Bank, N.A. Account open interfaces
US11093912B1 (en) 2018-12-10 2021-08-17 Wells Fargo Bank, N.A. Third-party payment interfaces
US11044246B1 (en) 2019-06-21 2021-06-22 Wells Fargo Bank, N.A. Secure communications via third-party systems through frames

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7945240B1 (en) * 2005-05-13 2011-05-17 At&T Mobility Ii Llc Mobile communications billing architecture
KR20060120297A (en) * 2005-05-19 2006-11-27 김중길 The methods & procedures of electronic bill presentment & payment for banks' customer services
KR101134272B1 (en) * 2008-11-12 2012-04-12 송은솔 Fee reporting method using mobile station
US20140074605A1 (en) * 2012-09-11 2014-03-13 First Data Corporation Systems and methods for facilitating purchases at a gas station via mobile commerce
CN104717342B (en) * 2013-12-11 2018-11-09 阿里巴巴集团控股有限公司 A kind of method and device waking up client application based on short message

Also Published As

Publication number Publication date
US20190050845A1 (en) 2019-02-14
WO2017137882A1 (en) 2017-08-17

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