Delivery of value identifiers using short message service (SMS)
원문보기
IPC분류정보
국가/구분
United States(US) Patent
등록
국제특허분류(IPC7판)
G06F-017/00
G06Q-020/32
G06Q-020/10
G06Q-020/28
G06Q-030/02
H04M-015/06
H04M-015/00
H04M-017/00
H04W-004/24
H04M-001/725
출원번호
US-0245182
(2008-10-03)
등록번호
US-9256867
(2016-02-09)
발명자
/ 주소
Guest, John David
Tagg, Brian Roger
Lowin, Leslie George
출원인 / 주소
e2interactive, Inc.
대리인 / 주소
Landmark Intellectual Property Law, PLLC
인용정보
피인용 횟수 :
0인용 특허 :
196
초록▼
A system and method for adding value to a customer account are provided. An identifier associated with a value is distributed to a customer. The identifier is usable to add the value to an account. A request to add the value to a customer account is received via short message service (SMS). The requ
A system and method for adding value to a customer account are provided. An identifier associated with a value is distributed to a customer. The identifier is usable to add the value to an account. A request to add the value to a customer account is received via short message service (SMS). The request comprises the identifier and account identification information associated with the customer account. In some embodiments, the identifier may be entered into the device using text auto-completion software. The request is received from a user communication device as an SMS message. The value associated with the identifier and the customer account associated with the account identification number are identified based on the request. The value is caused to be added to the customer account. A confirmation that the value was added to the customer account is passed to the user communication device.
대표청구항▼
1. A method for adding value to a pre-existing customer account associated with a specific communication device that is associated with a specific provider of goods or services, the method using an identifier associated with a value that is redeemable with a plurality of providers of goods or servic
1. A method for adding value to a pre-existing customer account associated with a specific communication device that is associated with a specific provider of goods or services, the method using an identifier associated with a value that is redeemable with a plurality of providers of goods or services, including the specific provider, the method facilitated between a merchant, a customer, and a central processor, the method comprising: receiving at the central processor a request via short message service (SMS) to add the value associated with the identifier to the pre-existing customer account, the request being received from a requesting communications device, the requesting communications device being any one of a plurality of communication devices that includes the specific communication device, the request comprising: the identifier associated with the value; andinformation sufficient to identify the pre-existing customer account;based on the request via SMS to add value, the central processor: determining the value associated with the identifier;determining if the requesting communications device is the specific communications device; anddetermining the specific provider and the pre-existing customer account associated with the specific communications device; andcausing the value to be added to the pre-existing customer account. 2. The method of claim 1, wherein, prior to receiving the request from the requesting communication device, the identifier is input into the SMS message at the requesting communication device at least in part by a user and at least in part automatically by the communication device. 3. The method of claim 1, wherein the identifier comprises at least one first set of alpha-numeric characters and at least one second set of alpha-numeric characters, and wherein the requesting communication device is configured to automatically input the second set of alpha-numeric characters in response to receiving an input of the first set of alpha-numeric characters. 4. The method of claim 1, wherein at least a portion of the identifier is entered into the SMS message at the requesting communication device using an auto-complete spelling function of a dictionary software program operative on the communication device. 5. The method of claim 1, wherein the identifier comprises a first portion and a second portion, wherein the first portion is entered into the SMS message into the requesting communication device, and in response to entering the first portion into the communication device, the requesting communication device automatically enters the second portion. 6. The method of claim 1, wherein the identifier comprises a first portion and a second portion, wherein the first portion is entered into the SMS message into the requesting communication device, and in response to entering the first portion into the communication device, the requesting communication device automatically suggests the second portion. 7. The method of claim 1, wherein a first portion of the identifier comprises a series of alpha-numeric characters, and wherein the first portion of the identifier is entered at the requesting communication device by speaking each of the series of alpha-numeric characters. 8. The method of claim 1, wherein a first portion of the identifier comprises a series of alpha-numeric characters, and wherein the first portion of the identifier is entered at the requesting communication device by speaking each of the alpha-numeric characters of the first portion of the identifier. 9. The method of claim 1, wherein a first portion of the identifier is entered at the requesting communication device by verbal request, and wherein a second portion of the identifier is entered at the requesting communication device by manually entering one or more alpha-numeric characters comprised in the second portion. 10. The method of claim 1, wherein, prior to receiving the request from the requesting communication device, the identifier is keyed into the SMS message at the requesting communication device by a user. 11. The method of claim 1, wherein the body of the SMS message comprises the identifier and the information sufficient to identify the pre-existing customer account. 12. The method of claim 1, wherein the information sufficient to identify the pre-existing customer account is stored in a memory storage system comprised in the requesting communication device, and wherein the information sufficient to identify the pre-existing customer account is entered into the body of the SMS message directly from the memory storage system. 13. The method of claim 1, wherein the identifier comprises a PIN. 14. The method of claim 1, wherein the specific communication device comprises a wireless phone having a phone number, and wherein the information sufficient to identify the pre-existing customer account comprises the phone number. 15. The method of claim 1, wherein the account comprises a telecommunications service account. 16. The method of claim 1, wherein the account comprises a prepaid wireless telephone account. 17. The method of claim 1, wherein the account is usable to purchase online gaming service. 18. The method of claim 1, wherein the account is usable to purchase bridge or road toll service. 19. The method of claim 1, wherein the account is usable to enable one or more services on the specific communication device. 20. The method of claim 1, further comprising: based on a determination that the specific provider and the pre-existing account are associated with the requesting communications device, determining the specific provider and the pre-existing account based upon an identifier automatically provided by the requesting communications device; andbased on a determination that the specific provider and the pre-existing account are not associated with the requesting communications device, determining the specific provider and the pre-existing account based upon information entered by a user into the requesting communications device. 21. A system for adding value to a pre-existing customer account associated with a specific communication device that is associated with a specific provider of goods or services, the system using an identifier associated with a value that is redeemable with a plurality of providers of goods or services, including the specific provider, the system facilitated between a merchant, a customer, and a central processor, the system comprising: an input device for: receiving a request to activate the identifier, the request being received from the merchant upon purchase of the identifier; andreceiving a request via short message service (SMS) to add the value associated with the identifier to the pre-existing customer account, the request being received from a requesting communications device, the requesting communications device being any one of a plurality of communication devices that includes the specific communication device, the request comprising: the identifier associated with the value; andinformation sufficient to identify the pre-existing customer account;a processor for: activating the identifier; andbased on the request via SMS to add value: determining the value associated with the identifier;determining if the requesting communications device is the specific communications device; anddetermining the specific provider and the pre-existing customer account associated with the specific communications device;a value insertion system for causing the value to be added to the pre-existing customer account; andan output device for: passing to the specific communication device an SMS message confirming that a request to add value to the pre-existing customer account was received.
연구과제 타임라인
LOADING...
LOADING...
LOADING...
LOADING...
LOADING...
이 특허에 인용된 특허 (196)
Reed, Cullen L.; Stephenson, Richard L.; Brown, Steven T.; Gruchalski, Joanne E.; Widenski, Jr., Henry A.; Erdmann, Jeffrey Jay, Account control method and system that allows only eligible and authorized items to be purchased using the account.
Wright Christopher B. (San Francisco CA) Bristow Stephen (Los Altos Hills CA), Automated transaction system with insertable cards for downloading rate or program data.
Phillips, Gregory Joseph; Deporte, Rebecca; Norwine, Jeffery A.; Joines, Penny B., Debit purchasing of stored value card for use by and/or delivery to others.
Walker Jay S. ; Vanluchene Andrew S. ; Tedesco Daniel E. ; Jorasch James A., Dynamically changing system for fulfilling concealed value gift certificate obligations.
Garrison David Lee ; Kight Patricia A. ; Perkins Brad ; Ward Cheryl Lynn ; Lawson Mary Elizabeth ; Kerin Amy Lynn, Electronic bill payment system with account-number scheming.
Thomas George F. ; Wood Albert G. ; Pawelczyk Joseph S. ; Cotton Robert M., Electronic funds transfer method and system and bill presentment method and system.
Molano Rafael ; Gianfagna Lawrence ; Roth Douglas E. ; Kurtek Ed ; Goulet Alan ; Symonds Robert D. ; Gill Robert Bradley,CAX ; Biwer William ; Walsh Mike ; Welsh Julie ; Gebhard Richard ; Spice-Kopis, Electronic purse card value system terminal programming system and method.
Carrithers David C. ; Rapp Steven G. ; Stone Gayla L. ; Storey-Waller Jody A. ; Resch Kim A. ; McGuire Kelly K. ; Ashby Toni L. ; Jackson Mark ; Huff Lowell, Filter processor and method for implementing a program.
Voit Eric A. ; Balkovich Edward E. ; Farris Robert D. ; Goodman William D. ; Gadre Jayant G. ; White Patrick E. ; Young David E., Inbound gateway authorization processing for inter-carrier internet telephony.
Levine Jack (Agoura Hills CA) Brandt Priscilla C. (San Mateo CA) Jackson Nydia (Redwood City CA) Johnson David L. (Woodside CA) Clark Helen (Mill Valley CA), Method and apparatus for distributing currency.
Mik, Magdalena; Walker, Jay S.; Tedesco, Daniel E.; Van Luchene, Andrew S.; Jorasch, James A., Method and apparatus for processing a charge applied to a financial account.
Biorge James E. ; Hauge Richard T. ; Svigals Jerome, Method and system for allocating and redeeming incentive credits between a portable device and a base device.
Nagy,Dan; Goott,Paul; Landry,John; Cox,David; Pang,Michael C.; Favole,Joe; Thompson,Michael, Method and system for data management in electronic payments transactions.
Agostino, Michael; McArthur, Scott A.; Egan, Doug, Method and system for providing a flexible product purchase account for members of a healthcare organization.
Howard B. Katz ; Daniel E. Boerner, Method and system for transferring telecommunication-time units among accounts and exchanging same for goods or services.
Hutchison,Robin B.; Llewellyn,Robert J.; Viljoen,Andre F.; Griffiths,David; Birch,David; Begg,Iain M., Method for ordering goods, services, and content over an internetwork using a virtual payment account.
Matison Gary G., Methods and apparatus for regulating the remote ordering, authorization, access and control of services and service features associated with a terminal.
Chung Kieran Sebastian (Plantation FL) Megofna Phillip Mark Perez (Sunrise FL) Gohil Bhagirath Nirmalsinh (Miami FL) Bernos Jose (Miami Beach FL), Multiple currency travel reservation information management system and method.
Richardson Hugh W. (Shenton Park AUX) Philp Donald K. (Caulfield AUX) Lewis Raymond V. (Applecross AUX) Eastman Bernard T. (City Beach AUX), Point of sale device for the collection of sales data.
Falvey Neil J. (Ballwin MO) Day ; III Edwin J. (Ballwin MO) Nappier Ricky L. (St. Louis MO) Longtin John T. (St. Louis MO), Point-of-sale system for programming a cellular telephone with its assigned telephone number.
Arditti David,FRX ; Boulot Olivier,FRX ; Campana Mireille,FRX ; Milano Sophie,FRX, Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number.
Kight Peter J. ; Johnson Mark A. ; Christenson Tamara K. ; Lach Regina ; Pointer Philip ; Cook Kenneth, System and method for electronically providing customer services including payment of bills, financial analysis and lo.
Kight Peter J. (Dublin OH) Johnson Mark A. (Dublin OH) Christenson Tamara K. (Gahanna OH) Lach Regina (Galena OH) Pointer Philip (Columbus OH) Cook Kenneth (Gahanna OH), System and method for electronically providing customer services including payment of bills, financial analysis and loan.
Walker Jay S. ; Jindal Sanjay K. ; Tedesco Daniel E., System and method for establishing and executing functions to affect credit card accounts and transactions.
Cheung Wing Keung,NLX, System and method for increasing a value of an electronic payment card including performing a restore transaction in response to interruption of a value increase transaction.
Phillips,Steve; Rice,Joe; Mabrey,Linda; Donahue,Colleen; Feegel,Laurie; Lee Emmons,Jennifer; Bastone,John; Perron,Katherine J., System and method for using cards for sponsored programs.
Yoshimoto Masahiko,JPX, System for controlling the authority of a terminal capable of simultaneously operating a plurality of client softwares which transmit service requests.
Stoutenburg,Earney; Mollett,Cassandra J.; Price,James; Fillinger,Charles A.; Nelson,Eric M.; Seifert,Dean A.; Singleton,Jeffrey, Systems and methods for configuring a point-of-sale system.
Stoutenburg, Earney; Mollett, Cassandra J.; Price, James; Fillinger, Charles A.; Nelson, Eric M.; Seifert, Dean A.; Singleton, Jeffrey, Systems and methods for utilizing a point-of-sale system.
Ganesan Ravi ; Harris Mark Todd ; Dreyer Hans Daniel ; Wolfe Kathryn Randall, Technique for centrally tracking transactions in an electronic billing system.
Brachtl Bruno (Herrenberg DEX) Holloway Christopher J. (London NY GBX) Lennon Richard E. (Saugerties NY) Matyas Stephen M. (Kingston NY) Meyer Carl H. (Kingston NY) Oseas Jonathan (Hurley NY), Transaction security system.
Pitroda Satyan G. (1480 Golden Bell Ct. Downers Grove IL 60515), Universal electronic transaction card including receipt storage and system and methods of conducting electronic transact.
※ AI-Helper는 부적절한 답변을 할 수 있습니다.