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Abstract

A web-based financial software application that emulates short message service (SMS) based text payment. The software allows entry of financial transactions in detailed form to allow for normal budgeting, accounting, and tracking methods, then translates the pending transaction from the detailed form into a text-based format compatible with the SMS payment network and transmits and confirms the payment as would normally be done via a mobile device. Optionally, the transmission of the text-based payment may occur through a secure link to simplify the payment process. The software also permits entry of transactions in the SMS-compatible format and translates these entries into a detailed form to allow for budgeting, accounting, and tracking. The software then searches for corresponding payees, and allows the user to select from found matching payees to automatically fill in the remaining payee information, or permits the user to manually enter additional information.

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First Claim