Patent
Mobile Client Application for Mobile Payments
John Tumminaro
- 30 Mar 2007
341
TL;DR: A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices as discussed by the authors, where 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.
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Abstract: A mobile client application executes on a mobile phone and interfaces with a mobile payment platform. 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 may 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 may 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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Citations
Patent
Mobile person-to-person payment system
John Tumminaro,Carol Realini,Pete Hosokawa,David Schwartz,Hesham Shawki,Nirav Shah +5 more
- 30 Mar 2007
TL;DR: A mobile payment platform and service as mentioned in this paper provides a fast, easy way to make payments by users of mobile devices and interfaces with non-mobile channels and devices such as e-mail, instant messenger, and Web.
691
Patent
Apparatus and method using near field communications
Einar Rosenberg
- 01 Oct 2007
TL;DR: In this paper, a near field communications enabled mobile communication is used to provide or receive information, which is called near field communication enabled mobile communications (NFCOMC) for short.
309
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Joseph R. Randazza,Danilo Portal +1 more
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Dave Wentker,Erick Wong,Doug Deibert,Gavin Shenker +3 more
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TL;DR: In this paper, a method for managing mobile payments in a mobile phone is presented, which includes receiving data associated with a plurality of issuer-specific payment services at the mobile phone, selecting one of the issuer specific payment services, and conducting a transaction using the phone.
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