Mobile Person-to-Person Payment System
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United States of America Patent
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N/A
Issued Date -
Nov 1, 2007
app pub date -
Mar 30, 2007
filing date -
Mar 30, 2006
priority date (Note) -
Abandoned
status (Latency Note)
Importance
Abstract
A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions can be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions can be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or 'widget.' The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.
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