News Column

"Mobile Billing Operator Server Programmed for User Acquisition within a Repeat Payment Computer System" in Patent Application Approval Process

September 11, 2014



By a News Reporter-Staff News Editor at Computer Weekly News -- A patent application by the inventors Lee, Adam (Burlingame, CA); Prideaux, Jonathan P. (Guildford, GB); Corner, Katherine Ann (San Francisco, CA); Nebrich, Samantha Elena (San Francisco, CA), filed on February 20, 2013, was made available online on August 28, 2014, according to news reporting originating from Washington, D.C., by VerticalNews correspondents.

This patent application is assigned to Boku, Inc.

The following quote was obtained by the news editors from the background information supplied by the inventors: "1). Field of the Invention

"This invention relates to a repeat payment computer system, including a merchant server and mobile billing operator server that are programmed for user acquisition through carrier billing and subsequent conversion to credit card billing.

"2). Discussion of Related Art

"Merchants often use merchant servers for purposes of selling goods, services and virtual goods such as game credits, movies, music, etc. online. Some products that are sold online may require repeat payments. A repeat payment may for example be for a repeated purchase at the user's selection or according to a schedule set by the user. A repeat payment may also be for a subscription such as a monthly subscription to virtual goods such as movies or music.

"The user may use a browser on a user mobile phone to transmit a registration page request to the merchant server and the merchant server will then return a registration page to the user mobile phone and the user registration page is then displayed within the browser. The registration page usually includes, or is immediately followed, by a page requiring the user to enter credit card information. The credit card information typically includes the first name, last name, card number, security code and billing zip code of a credit card held by the user. The user then has to find a credit card and enter the information into the registration page.

"This is a cumbersome process for many users, resulting in users that cancel the registration process before it is completed. A potential customer is then lost to the merchant. By requiring credit card information in a registration process, the registration process may fail for a number of reasons such as the use of an expired credit card, incorrect information entered by the user, etc."

In addition to the background information obtained for this patent application, VerticalNews journalists also obtained the inventors' summary information for this patent application: "The invention provides a computer-based method of processing repeat payments, including receiving, with a mobile billing operator sever, a phone number of a user mobile phone, registering, with the mobile billing operator server, the phone number for repeat, payments with a mobile billing scheduling assistant of the mobile billing operator server, executing, with the mobile billing scheduling assistant, at least one default payment cycle that includes causing a charge to be entered against the phone number in an account database of a carrier server, transmitting, with the mobile billing operator server, a text to the user mobile phone at the phone number with a switch-over option after the default billing cycle, the switch-over option including a link that is selectable by a user of the user mobile phone to open a page that allows the user to enter credit card information for purposes of executing at least one modified billing cycle instead of the default billing cycle wherein the modified billing cycle includes charging a credit card having the credit card details at a credit card institution server other than the carrier server.

"The method may further include that the default billing cycle includes receiving a payment from the carrier server at the mobile billing operator server.

"The method may further include that the phone number is received at the mobile billing operator server from a merchant server.

"The method may further include that the default billing cycle further includes making a payment from the mobile billing operator server to the merchant server.

"The method may further include that the payment made from the mobile billing operator server is in response to the payment made to the mobile billing operator server.

"The method may further include that the link causes the user mobile phone to open a browser window, request a switch-over page from the merchant server, and receive the switch-over page from the merchant server.

"The method may further include that if the user fails to select the link, the mobile billing scheduling assistant repeats the default payment schedule.

"The method may further include receiving, at the mobile billing operator server, a cancel notification from the merchant server when the merchant server receives the credit card information and cancelling, with the mobile billing operator server, the default payment on the mobile billing scheduling assistant in response to the cancel notification.

"The method may further include receiving, with the mobile billing operator server, a charge amount and a schedule from the merchant server and registering, with the mobile billing operator server, the charge amount and schedule with the mobile billing scheduling assistant, wherein the default payment is repeatedly executed according to the schedule and the charge includes an amount that is based on the charge amount.

"The invention further provides a repeat payment computer system, including a processor, a computer-readable medium connected to the processor and a set of instructions on the computer-readable medium, the set of instructions being executable by the processor. The set of instructions includes a module receiving a phone number of a user mobile phone, a mobile billing scheduling assistant, the phone number being registered for repeat payments with the mobile billing scheduling assistant executing at least one default payment cycle that includes causing a charge to be entered against the phone number in an account database of a carrier server and an SMS gateway transmitting a text to the user mobile phone at the phone number with a switch-over option after the default billing cycle, the switch-over option including a link that is selectable by a user of the user mobile phone to open a page that allows the user to enter credit card information for purposes of executing at least one modified billing cycle instead of the default billing cycle wherein the modified billing cycle includes charging a credit card having the credit card details at a credit card institution server other than the carrier server.

"The system may further include that the default billing cycle includes receiving a payment from the carrier server at the mobile billing operator server.

"The system may further include that the module receiving the phone number is a server call module that receives the phone number from the merchant server.

"The system may further include that the default billing cycle further includes making a payment from the mobile billing operator server to the merchant server.

"The system may further include that the payment made from the mobile billing operator server is in response to the payment made to the mobile billing operator server.

"The system may further include that the link causes the user mobile phone to open a browser window, request a switch-over page from the merchant server, and receive the switch-over page from the merchant server.

"The system may further include that if the user fails to select the link, the mobile billing scheduling assistant repeats the default payment schedule.

"The system may further include that the server call module receives a cancel notification from the merchant server when the merchant server receives the credit card information, and cancels the default payment on the mobile billing scheduling assistant in response to the cancel notification.

"The invention also provides a computer-readable medium having stored thereon a set of instructions that, when executed by a processor of a mobile billing operator server, carries out a method including receiving, with the mobile billing operator sever, a phone number of a user mobile phone, registering, with the mobile billing operator server, the phone number for repeat payments with a mobile billing scheduling assistant of the mobile billing operator server, executing, with the mobile billing scheduling assistant, at least one default payment cycle that includes causing a charge to be entered against the phone number in an account database of a carrier server, transmitting, with the mobile billing operator server, a text to the user mobile phone at the phone number with a switch-over option after the default billing cycle, the switch-over option including a link that is selectable by a user of the user mobile phone to open a page that allows the user to enter credit card information for purposes of executing at least one modified billing cycle instead of the default billing cycle wherein the modified billing cycle includes charging a credit card having the credit card details at a credit card institution server other than the carrier server.

BRIEF DESCRIPTION OF THE DRAWINGS

"The invention is further described by way of example with reference to the accompanying drawings, wherein:

"FIG. 1 is a block diagram of a repeat payment computer system according to an embodiment of the invention;

"FIG. 2 is an interactive chart illustrating the functioning of the repeat payment computer system;

"FIG. 3 is a screen shot of a first registration page that is displayed on a user mobile phone;

"FIG. 4 illustrates text messages that are received by the user mobile phone;

"FIG. 5 is a screen shot of a second registration page that is received and displayed by the user mobile phone;

"FIG. 6 illustrates a text message that is received by the user mobile phone with a switch-over option;

"FIG. 7 is a screen shot that is displayed by the user mobile phone when the switch-over option is selected with fields for entering of credit card information;

"FIG. 8 is a block diagram of the user mobile phone illustrating SmartPhone features thereof; and

"FIG. 9 is a block diagram of a machine in the form of a computer system forming part of the repeat payment computer system."

URL and more information on this patent application, see: Lee, Adam; Prideaux, Jonathan P.; Corner, Katherine Ann; Nebrich, Samantha Elena. Mobile Billing Operator Server Programmed for User Acquisition within a Repeat Payment Computer System. Filed February 20, 2013 and posted August 28, 2014. Patent URL: http://appft.uspto.gov/netacgi/nph-Parser?Sect1=PTO2&Sect2=HITOFF&u=%2Fnetahtml%2FPTO%2Fsearch-adv.html&r=2493&p=50&f=G&l=50&d=PG01&S1=20140821.PD.&OS=PD/20140821&RS=PD/20140821

Keywords for this news article include: Boku, Boku Inc.

Our reports deliver fact-based news of research and discoveries from around the world. Copyright 2014, NewsRx LLC


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Source: Computer Weekly News


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