Mobile person to person voice payment

Patent metadata

Field	Value
Publication number	US-10769630-B2
Application number	US-201615151826-A
Country	US
Kind code	B2
Filing date	May 11, 2016
Priority date	May 11, 2016
Publication date	Sep 8, 2020
Grant date	Sep 8, 2020

Abstract

Methods, systems and apparatus for conducting mobile device person-to-person voice payments. An embodiment includes a mobile device processor of a mobile device detecting a first key entry by a sender during a mobile telephone call, muting the call, prompting the sender to enter persons-to-person (P2P) security data and a payment amount, and detecting a second key entry. The mobile device processor then prompts the sender to provide voice data associated with a password, detects a third key entry, and then transmits a P2P payment request including the P2P security data, the payment amount, the voice data, sender account data, and a recipient mobile telephone number, to a mobile person-to-person (P2P) computer. The mobile device processor then unmutes the mobile telephone call and receives a P2P payment message from the mobile P2P computer.

First claim

What is claimed is:

1. A mobile device based person-to-person voice payment method, comprising:
detecting, by a mobile device processor of a caller's mobile device running a mobile person-to-person (P2P) voice money application in the background of a mobile telephone call, a first key entry by the caller during the mobile telephone call with a recipient, wherein the recipient's mobile device is also running the P2P voice money application in the background of the mobile telephone call, wherein the caller and the recipient are each enrolled in a P2P mobile payment service which provides the P2P voice money application for download to the mobile devices of the caller and recipient, wherein the mobile payment service comprises a mobile P2P computer operably connected to a P2P enrollment database, and wherein enrollment comprises selecting a mobile wallet for use in making P2P voice money payments, and wherein enrollment further comprises giving permission for the mobile telephone numbers of the caller and the recipient to be provided to Internet-based messaging applications running on the mobile devices of the caller and the recipient, wherein the caller and recipient are each consumers and customers of a mobile network operator who has authorized the use of the P2P voice money application;
activating, by the mobile device processor of the caller's mobile device, in response to the first key entry, a mobile P2P money transfer process configured for transferring money from the selected mobile wallet of the caller directly to the selected mobile wallet of the recipient during the mobile telephone call, wherein the mobile wallet of the caller and recipient are associated with a credit card payment network which is in communication with a respective issuer of credit to the caller and the recipient, whereby the issuers of credit carry out the money transfer process using the payment network;
automatically muting, by the mobile device processor running the mobile P2P voice money application, the mobile telephone call without disconnecting the call such that the recipient cannot hear any input from the caller;
prompting, by the mobile device processor running the mobile P2P voice money application, the caller to enter a personal identification number (PIN) and a payment amount;
receiving, by the mobile device processor running the mobile P2P voice money application, the PIN and the payment amount from the caller;
displaying, by the mobile device processor on a display screen of the mobile device, the PIN and the payment amount;
detecting, by the mobile device processor running the mobile P2P voice money application, a second key entry by the caller indicating that the payment amount is correct;
in response to the second key entry audibly prompting, by a speaker operably connected to the mobile device processor running the mobile P2P voice money application, the caller to provide voice data associated with a password;
receiving, via a microphone operably connected to the mobile device processor running the mobile P2P voice money application, voice data from the caller;
detecting, by the mobile device processor running the mobile P2P voice money application, a third key entry indicating that the caller finished providing voice data;
transmitting, in response to the third key entry by the mobile device processor running the mobile P2P voice money application to the mobile person-to-person (P2P) computer, a P2P payment request comprising the PIN, the payment amount, the voice data of the caller, caller account data, and a recipient mobile telephone number being used in the current call for use by the mobile P2P computer to generate and transmit a P2P payment authorization request to a payment network;
automatically unmuting, by the mobile device processor running the mobile P2P voice money application, the mobile telephone call thus continuing the call between the caller and the recipient; and
receiving, by the mobile device processor of the caller's mobile device running the mobile P2P voice money application, using the Internet-based messaging application running on the mobile device of the caller, from the mobile P2P computer during the mobile telephone call with the recipient, a P2P payment message.

2. The method of claim 1 , wherein the first and second key entries comprise entry of a star key, and the third key entry comprises entry of a pound key.

3. The method of claim 1 , further comprising displaying, by the mobile device processor, the P2P payment message on a display screen of the mobile device during the telephone call.

4. The method of claim 3 , wherein the P2P payment message comprises a payment failed message.

5. The method of claim 4 , wherein the payment failed message comprises an indication concerning why the P2P payment failed.

6. The method of claim 1 , wherein the voice data of the password comprises one of a secret word or a secret phrase.

7. The method of claim 1 , further comprising, prior to detecting the second key entry by the caller:
determining, by the mobile device processor, that a time out period expired;
unmuting, by the mobile device processor, the mobile telephone call; and
displaying, by the mobile device processor on a display screen of the mobile device, a P2P payment failure message.

8. The method of claim 1 , further comprising, prior to detecting the third key entry by the caller:
determining, by the mobile device processor, that a voice data time out period expired;
unmuting, by the mobile device processor, the mobile telephone call; and
displaying, by the mobile device processor on a display screen of the mobile device, a P2P payment failure message.

9. A mobile device comprising:
a mobile device processor;
a display component operably connected to the mobile device processor;
a keypad operably connected to the mobile device processor;
receive/transmit circuitry operably connected to the mobile device processor;
a speaker operably connected to the mobile device processor;
a microphone operably connected to the receive/transmit circuitry; and
a storage device operably connected to the mobile device processor, wherein the storage device comprises a mobile person-to-person (P2P) voice money application running in the background and configured to cause the mobile device processor to:
detect a first key entry by a caller on the keypad during a mobile telephone call with a recipient, wherein the recipient's mobile device is also running the P2P voice money application in the background of the mobile telephone call, and wherein the caller and the recipient are each enrolled in a P2P mobile payment service which provides the P2P voice money application for download to the mobile devices of the caller and recipient, wherein the mobile payment service comprises a mobile P2P computer operably connected to a P2P enrollment database, and wherein enrollment comprises selecting a mobile wallet for use in making P2P voice money payments, and wherein enrollment further comprises giving permission for the mobile telephone numbers of the caller and the recipient to be provided to Internet-based messaging applications running on the mobile devices of the caller and the recipient, wherein the caller and recipient are each consumers and customers of a mobile network operator who has authorized the use of the P2P voice money application;
activate, in response to the first key entry, a mobile P2P money transfer process for transferring money from the selected mobile wallet of the caller directly to the selected mobile wallet of the recipient during the mobile telephone call, wherein the mobile wallet of the caller and recipient are associated with a credit card payment network which is in communication with

Assignees

• Mastercard International Inc

Inventors

• Modi Rohit

Classifications

• G06Q20/40145 Primary

  Biometric identity checks · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G06Q20/3226

  Use of secure elements separate from M-devices · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/4012

  Verifying personal identification numbers [PIN] · CPC title