Image based mms transactions mechanism

Patent metadata

Field	Value
Publication number	US-2016267462-A1
Application number	US-201514644098-A
Country	US
Kind code	A1
Filing date	Mar 10, 2015
Priority date	Mar 10, 2015
Publication date	Sep 15, 2016
Grant date	—

Abstract

Embodiments relate to transactions using image based MMS solutions over a communication device. In an embodiment, a method includes receiving, by a payment provider server, from a buyer device, transaction information associated with a transaction between a buyer and a seller; wherein the seller provides a seller payment provider messaging endpoint identifier to the buyer along with the transaction information for use in processing the transaction. The method also includes transmitting, by the payment provider server, to the buyer device, message content comprising an image displayed on a user interface of the buyer device, the image comprising payment instrument information for use in connection with the transaction, wherein the buyer communicates information included in the message content to the seller payment provider messaging endpoint identifier. And the method includes processing, by the payment provider server, the transaction based on information included in the message content and the transaction information.

First claim

What is claimed is:

1 . A system comprising:
a non-transitory memory storing payment provider account information associated with a buyer comprising registration information for a buyer device in connection with conducting transactions via a payment provider server using multimedia messaging services (MMS), payment provider account information associated with a seller comprising registration information for a seller device in connection with conducting transactions via the payment provider server using MMS, wherein the payment provider account information associated with the buyer further comprises a buyer payment provider MMS identifier, and the payment provider account associated with the seller further comprises a seller payment provider MMS endpoint identifier for use in processing MMS transactions; and an image based MMS transaction module implemented by at least one hardware processor in communication with the non-transitory memory, the hardware processor(s) configured to:
receive, by the payment provider server, from the buyer device, transaction information associated with an MMS transaction between the buyer and the seller; wherein the seller provides the seller payment provider MMS endpoint identifier to the buyer along with the transaction information;
transmit, by the payment provider server, an MMS message to the buyer device comprising an image displayed on at least a portion of a user interface of the buyer device, the image comprising payment instrument information for use in connection with the MMS transaction, wherein the buyer communicates at least a portion of content in the MMS message to the seller payment provider MMS endpoint identifier; and
process, by the payment provider server, the MMS transaction based at least in part on the image and the transaction information.

2 . The system of claim 1 , wherein the buyer device or the seller device further comprises a device without capabilities for running applications (Apps).

3 . The system of claim 1 , wherein the buyer device or the seller device further comprises a cellular phone.

4 . The system of claim 1 , wherein the seller payment provider MMS endpoint identifier is activated for receiving MMS payments.

5 . The system of claim 1 , wherein the seller payment provider MMS endpoint identifier further comprises a seller payment provider MMS number that is assigned to the seller to enable the seller to process MMS payments without a Point of Sale (POS) device.

6 . The system of claim 1 , wherein the image further comprises a digital certificate and has embedded data to secure the MMS transaction.

7 . The system of claim 1 , wherein the transaction information further comprises at least one of an amount, information associated with the buyer device, or an account number associated with a payment instrument.

8 . The system of claim 1 , further comprising a communications module that communicates an acknowledgment of transaction details to the seller.

9 . The system of claim 1 , wherein the buyer payment provider MMS identifier further comprises an MMS number, a logo, a code, a password, or an icon.

10 . The system of claim 1 , wherein the hardware processor(s) is further configured to: temporarily display the image for a predetermined time on the user interface of the buyer device for use in the MMS transaction.

11 . The system of claim 10 , wherein the predetermined time is based on settings set by the payment provider server or by the buyer.

12 . The system of claim 1 , wherein the image further comprises transaction card information including at least one of an account number, an expiration date or an issuer name

13 . The system of claim 1 , further comprising:
an input device for receiving a request for registering a buyer device associated with a buyer and a seller device associated with a seller to conduct transactions via the payment provider server using multimedia messaging service (MMS); and an output device for outputting the buyer payment provider MMS identifier assigned to the buyer via a user interface of the buyer device and the seller payment provider MMS endpoint identifier assigned to the seller via a user interface of the seller device.

14 . The system of claim 1 , wherein the hardware processor(s) is further configured to: use the buyer payment provider MMS identifier to execute a transaction processing module to uniquely identify the payment provider account associated with the buyer and verify the buyer is requesting a payment transfer in connection with the MMS transaction.

15 . The system of claim 1 , wherein the hardware processor(s) is further configured to: receive message content from the buyer device communicating transaction details in connection with a request for a transfer of a payment amount between the buyer and the seller.

16 . The system of claim 15 , wherein the request for the transfer of the payment amount includes receiving the payment amount from the buyer and sending the payment amount to the seller.

17 . A method comprising:
receiving, by a payment provider server, from a buyer device, transaction information associated with a transaction between a buyer and a seller; wherein the seller provides a seller payment provider messaging endpoint identifier to the buyer along with the transaction information for use in processing the transaction; transmitting, by the payment provider server, to the buyer device, message content comprising an image displayed on at least a portion of a user interface of the buyer device, the image comprising payment instrument information for use in connection with the transaction, wherein the buyer communicates at least a portion of information included in the message content to the seller payment provider messaging endpoint identifier; and processing, by the payment provider server, the transaction based at least in part on the at least a portion of information included in the message content and the transaction information.

18 . The method of claim 17 , further comprising:
assigning the seller payment provider messaging endpoint identifier to a seller device in response to registering, by the payment provider server, the seller device associated with a seller to conduct transactions via messaging services.

19 . The method of claim 17 , further comprising embedding, by the payment provider server, a one-time digital certificate on the image.

20 . A non-transitory computer-readable medium comprising executable modules which, in response to execution by a computer system, cause the computer system to perform a method comprising:
receiving, by a payment provider server, from a buyer device, transaction information associated with a transaction between a buyer and a seller; wherein the seller provides a seller payment provider messaging endpoint identifier to the buyer along with the transaction information for use in processing the transaction; transmitting, by the payment provider server, to the buyer device, message content comprising an image displayed on at least a portion of a user interface of the buyer device, the image comprising payment instrument information for use in connection with the transaction, wherein the buyer communicates at least a portion of information in the message content to the seller payment provider messaging endpoint identifier; and processing, by the payment provider server, the transaction based at least in part on the at least a portion of information in the message content and the transaction information.

Assignees

• Paypal Inc

Inventors

• Batlle Eduardo Alfonso

Classifications

• G06Q20/3255 Primary

  using mobile network messaging services for payment, e.g. SMS · CPC title