Note : Les descriptions sont présentées dans la langue officielle dans laquelle elles ont été soumises.
CA 02627701 2008-03-31
Title: Systems and Methods for Conducting Transactions
Field
[1] The described embodiments relate to systems and methods for conducting a
transaction, and in particular, to systems and methods for conducting a
transaction
by receiving a transaction request from a transaction object and sending a
confirmation request message to a mobile device.
Background
[2] Embodiments of the invention relate to systems and methods for conducting
a
transaction. A simplified example transaction may involve a purchaser making a
transaction request for an item, such as a request to purchase a product or
service.
The purchaser makes or authorizes payment for the item related to the
transaction
request and the item is delivered to the purchaser.
[3] Known systems and methods for conducting a transaction require a purchaser
to rely on various financial instruments such as credit cards, debit cards,
smart
cards, currency and cheques to make or authorize payment for the transaction.
The
Internet and other communication networks may be utilized for conducting a
transaction, and these financial instruments may have limitations when using a
communication network.
[4] For example, currency and cheques are not commonly available in an
electronic format making payment difficult when using the communication
network.
While providing credit card, debit card or other payment information may
enable
payment in an electronic format, security concerns arise when using a
communication network such as the Internet. Payment using credit and debit
card
may be too expensive for small payment amounts. Purchasers may also not be
qualified for, or desirous of obtaining a credit or debit card.
[5] Mobile devices are widely used around the world by users of all ages.
Mobile
devices have become an integral part of daily life and a user may carry a
mobile
device with them as commonly as keys or a wallet. The Global System for Mobile
(GSM) communication is an international mobile device standard, which allows a
user to use their mobile device in many geographical regions and countries
worldwide.
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[6] Numerous independent mobile device carriers maintain mobile networks in
different geographical regions or countries implementing the GSM standard
enabling
a user's mobile device to roam on these mobile networks worldwide. A specific
carrier typically maintains an account linked to a specific mobile device
and/or an
associated user. An account typically includes user information, payment
information, billing information, and other private information associated
with the
mobile device and/or user.
[7] Carriers generally operate independently and are each responsible for
issuing
a bill in relation to usage by a mobile device (or a user associated
therewith) on an
associated mobile network. In turn, a user provides payment for the bill. That
is,
there exists a billing and payment system that enable carriers to issue a bill
and
receive payment for usage of mobile devices associated therewith.
[8] Mobile devices have the ability to send and receive text and data messages
using services such as the Short Message Service (SMS), herein referred to as
SMS
messages. SMS messages are composed of text characters and may contain up to
160 characters for Latin alphabets. Basic mobile devices have SMS message
capabilities and a mobile device is not required to have Wireless Application
Protocol
(WAP) capabilities or other complex (and often expensive) features in order to
send
an SMS message. Multimedia Messaging Service (MMS) is another mobile
messaging service that allows mobile devices to send messages that include
multimedia objects (e.g. images, audio, video, rich text) in addition to text.
[9] A mobile device may send an SMS or MMS message to a destination number
such as a phone or mobile device number having a regular 10-digit format. A
mobile
device may also send an SMS or MMS message to a short code. A short code is
similar to a phone or mobile device number in that it is used as a destination
address
for a message, much like a url in the context of the Internet.
[10] The short code allows a premium rate (price) to be charged to the user's
mobile device account or bill, as maintained and issued by a carrier. The user
is
generally charged when the message is sent to the short code. The premium rate
to
charge for an SMS or MMS message sent to the short code is typically
determined
by a carrier it is assigned (or leased) to or a third party in agreement with
the carrier.
[11] Typically, short codes, or ranges of short codes, are exclusively
assigned (or
leased) to a carrier and the assigned short code will only be recognizable to
the
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specific carrier. Only mobile devices that are associated with the carrier are
able to
successfully send an SMS or MMS message to the assigned short code.
[12] The short code is often in a shorter digit format than a regular phone
number.
The digit format of the short code varies between regions and countries. For
example, in Australia short codes are six or eight digits in length, starting
with the
prefix "19" followed by an additional four or six digits. In the United
Kingdom, short
codes are five digits in length, generally starting with a six or eight. In
Canada, short
codes are five or six digits in length. Since the digit format of short codes
varies from
region to region, an SMS or MMS message sent to a short code may be
unrecognizable by a carrier in one region if the digit format corresponds to a
different
region.
[13] As short codes are linked to specific carriers and regions, a worldwide
mobile
device user cannot simply use one short code for all carriers and regions. The
mobile device user must be diligent in determining an appropriate short code
to use.
[14] Some known systems and methods for conducting a transaction involve
marketing services and/or products using a short code. For example, a short
code
may be displayed in an advertisement for services and/or products. Upon
viewing
the advertisement, a purchaser must initiate the transaction by sending an SMS
message to the short code using a mobile device.
[15] These known systems and methods require knowledge by the user of the
specific short code and require the user to initiate the transaction using
their mobile
device. If a user desires to purchase a product viewed on e.g. a web page
displayed
on a computing device then they are required to initiate the transaction using
their
mobile phone. A user must determine the appropriate short code and initiate
the
transaction outside of the web page, which may not provide a seamless
transaction
process. The user may also be required to identify the product in the message.
[16] Further, if the advertised short code is not recognizable by a carrier or
region
associated with the user's mobile device then the transaction cannot be
conducted
or initiated.
[17] Accordingly, known systems and methods for conducting a transaction
involving a short code are limited to a specific carrier or region and are
typically not
available for worldwide mobile device users. There is a need for systems and
methods of conducting a transaction that alleviate some of the shortcomings of
known systems and methods or at least provide for a useful alternative.
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Summary
[18] In a first aspect, some embodiments of the invention provide a method for
conducting a transaction. The method comprises receiving a transaction request
from a transaction object containing a region identifier and a mobile device
identifier;
identifying a short code based on the region identifier; and transmitting a
confirmation request message to a mobile device corresponding to the mobile
device
identifier, wherein the confirmation request message includes a reply address
corresponding to the short code.
[19] In another aspect, some embodiments of the invention provide a method
where the transaction request also contains a carrier system identifier and
where the
short code is identified based on both the region identifier and the carrier
system
identifier.
[20] In another aspect, some embodiments of the invention provide a method
further comprising receiving a reply message corresponding to the confirmation
request message and to the short code; and authorizing the transaction in
response
to the reply message.
[21] In another aspect, some embodiments of the invention provide a method
where the transaction relates to electronically deliverable content available
from a
content server. The method further comprises receiving a reply message
corresponding to the confirmation request message and to the short code;
transmitting electronic content delivery instructions to the content server;
and
transmitting a transaction authorization message to the transaction object.
[22] In another aspect, some embodiments of the invention provide a method
where the transaction relates to electronically deliverable content. The
method
further comprises receiving a reply message corresponding to the confirmation
request message and to the short code; transmitting a transaction
authorization
message to the transaction object, wherein the transaction authorization
message
instructs the transaction object to deliver the content to a purchaser.
[23) In another aspect, some embodiments of the invention provide a method
where the transaction relates to electronically deliverable content. The
method
further comprises receiving a reply message corresponding to the confirmation
request message and to the short code; and transmitting a transaction
authorization
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message to the transaction object, wherein the transaction authorization
message
includes a link to the electronically deliverable content.
[24] In another aspect, some embodiments of the invention provide a method
where the transaction relates to a physically deliverable item. The method
further
comprises receiving a reply message corresponding to the confirmation request
message and to the short code; and initiating delivery of the item to a
purchaser.
[25] In another aspect, some embodiments of the invention provide a method
further comprising assigning a transaction identifier to the transaction
request;
recording the transaction in a transaction database; and identifying the
transaction
as an open transaction.
[26] In another aspect, some embodiments of the invention provide a method
further comprising receiving a reply message corresponding to the confirmation
request message and to the short code; identifying the transaction
corresponding to
the confirmation request message as a closed transaction.
[27] In another aspect, some embodiments of the invention provide a method
where the confirmation request message includes a transaction identifier.
[28] In another aspect, some embodiments of the invention provide a method
where the confirmation request message includes a transaction identifier, and
where
the reply message includes the transaction identifier.
[29] In another aspect, some embodiments of the invention provide a method
where the transaction object is embedded within a merchant web page rendered
on
a customer device.
[30] In another aspect, some embodiments of the invention provide a method
where the carrier system identifier corresponds to a carrier system, and where
the
short code corresponds to a transaction cost for charging an account
associated with
the mobile device maintained by the carrier system.
[31] In another aspect, some embodiments of the invention provide a method
further comprising receiving a reply message corresponding to the confirmation
request message and to the short code, wherein the reply message includes a
keyword for charging a transaction cost associated with the transaction
request.
[32] In another aspect, some embodiments of the invention provide a method
where the confirmation request message includes the keyword.
[33] In another aspect, some embodiments of the invention provide a method of
completing a transaction. The method comprises receiving a region identifier
and a
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mobile device identifier; transmitting a transaction request containing the
region
identifier and the mobile device identifier; receiving a transaction
authorization
message; and in response to the transaction authorization message, initiating
completion of the transaction.
[34] In another aspect, some embodiments of the invention provide a method
further comprising receiving a carrier system identifier, where the
transmitted
transaction request also contains the carrier system identifier.
[35] In another aspect, some embodiments of the invention provide a method
where the transaction relates to electronically deliverable content, the
transaction
authorization message contains a link to the content and wherein, initiating
completion of the transaction includes making the content available using the
link.
[36] In another aspect, some embodiments of the invention provide a system for
conducting a transaction comprising at least one memory and at least one
processor
configured to perform any of the method steps described herein.
[37] In another aspect, some embodiments of the invention provide a system for
completing a transaction configured to perform any of the method steps
described
herein.
[38] Additional aspects of various embodiments of the invention are identified
and
described in the following description of some example embodiments of the
invention.
Brief Description of the Drawings
[39] Several example embodiments of the present invention will now be
described
with reference to the drawings, in which:
Figure 1 shows a block diagram of a system in accordance with at least one
embodiment of the present invention;
Figure 2 shows a block diagram of a system in accordance with at least one
other embodiment of the present invention;
Figure 3 shows a block diagram of a system in accordance with at least one
other embodiment of the present invention;
Figure 4 shows a flow diagram of a method in accordance with at least one
embodiment of the present invention;
Figure 5 shows a flow diagram of a method in accordance with at least one
other embodiment of the present invention;
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Figure 6 shows a flow diagram of a method in accordance with at least one
other embodiment of the present invention;
Figure 7 shows a flow diagram of a method in accordance with at least one
other embodiment of the present invention;
Figure 8 shows a flow diagram of a method in accordance with at least one
other embodiment of the present invention;
Figure 9 shows a diagram of a graphical user interface of a transaction object
in accordance with at least one embodiment of the present invention;
Figure 10 shows a diagram of a graphical user interface of a transaction
object prompting for a transaction request in accordance with at least one
other
embodiment of the present invention;
Figure 11 shows a diagram of a graphical user interface of a transaction
object displaying a status message in accordance with at least one other
embodiment of the present invention;
Figure 12 shows a front view of a mobile device displaying an example
confirmation request message in accordance with at least one other embodiment
of
the present invention; and
Figure 13 shows a diagram of a graphical user interface of a transaction
object displaying a graphical transaction authorization message in accordance
with
at teast one other embodiment of the present invention.
Description of Exemplary Embodiments
[40] Reference is first made to Figure 1, which shows a block diagram of a
system
100 in accordance with at least one embodiment of the present invention.
[41] The system 100 includes a transaction system 114 that receives a
transaction
request from a transaction object 108 connected thereto via a network 112. The
transaction system 114 transmits a confirmation request message to a mobile
device
104 via a mobile network 134 accessed through a gateway 128 and connected to a
mobile device base station 138.
[42] The transaction object 108 resides on a customer device 102 connected to
a
network 112. The transaction object 108 may reside on a mobile device 104, and
the
customer device may be the mobile device. The transaction system 114 receives
a
transaction request including a region identifier and a mobile device
identifier. The
transmitted confirmation request message has an identified short code as a
reply
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address that the transaction system 114 identifies in a short code database
124
based on the region identifier.
[43] Customer device 102 may be any networked computing device including a
processor and memory, such as a personal computer, workstation, server,
portable
computer, mobile phone, personal digital assistant, laptop, smart phone, WAP
phone, or a combination of these. Customer device 102 typically includes one
or
more input devices, such as a keyboard, mouse, camera, touch screen and a
microphone, and also includes one or more output devices such as a display
screen
and a speaker. Customer device 102 has a network interface for connecting to
network 112 in order to communicate with other components of system 100 such
as
transaction system 114.
[44] Transaction object 108 may be any software application, application plug-
in
(e.g. a widget), instant messaging application, mobile device application, e-
mail
application, online telephony application, java application, web page, or web
object
(e.g. a widget) residing or rendered on customer device 102.
[45] Network 112 may be any network capable of carrying data including the
Internet, Ethernet, plain old telephone service (POTS) line, public switch
telephone
network (PSTN), integrated services digital network (ISDN), digital subscriber
line
(DSL), coaxial cable, fiber optics, satellite, mobile, wireless (e.g. Wi-Fi,
WiMAX), SS7
signaling network, fixed line, local area network, wide area network, and
others,
including any combination of these. Network 112 is any network capable of
interfacing with and enabling communication between customer device 102 and
transaction system 114.
[46] Transaction system 114 is a server system comprising one or more servers
(e.g. web servers) with computing processing abilities and memory such as
database(s) or file system(s). Although only one transaction system 114 is
shown
there may be multiple transaction systems 114 distributed over a wide
geographic
area and connected via e.g. network 112. Transaction system 114 includes a
short
code database 124 storing a plurality of short codes linked to and indexed by
region
identifiers. A short code is linked to a region identifier if its digit format
is
recognizable by at least one carrier system 130 (Figure 2) in a region
associated
with the region identifier.
[47] Mobile network 134 may be any mobile, satellite, wireless (e.g. Wi-Fi,
WiMAX)
fiber, cable or SS7 signaling network (or a combination of these) capable of
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communicating with mobile device 104 and enabling communication between
transaction system 114 and mobile device 104, via e.g. gateway 128 and mobile
device base station 138. Mobile network 134 may implement various mobile
communication standards such as for example GSM or CDMA. Gateway 128 allows
for interfacing with another communication network that uses different
standards
and/or protocols. While only one mobile network 134 and mobile device base
station
138 is shown, multiple mobile networks (e.g. mobile network 138 and mobile
device
base station 140 of Figure 2) may be distributed over a geographical area in
order to
enable communication between transaction system 114 and mobile device 104.
Mobile network 134 may be integrated with other networks employing various
protocols such as a public switch telephone network (PSTN).
[48] Mobile device 104 may be a mobile phone, a personal digital assistant
(PDA),
a smart phone, a WAP phone, a satellite phone, a laptop computer or other
device
that is capable of receiving an SMS or MMS message, and sending an SMS or MMS
message to a short code. Mobile device 104 typically includes an antenna,
transceiver, processor, memory, one or more input devices (e.g. keypad, mouse,
camera, touch screen and a microphone) and also includes one or more output
devices (e.g. a display screen and a speaker). Mobile device 103 has
networking
capabilities for connecting to mobile network 134 and/or network 112. Mobile
device
104 may be integrated with and/or form part of customer device 102.
[49] Reference is now made to Figure 2, which shows a block diagram of a
system
200 in accordance with at least one other embodiment of the present invention.
[50] The system 200 further includes a carrier system 130. The carrier system
130
maintains a billing account for the mobile device 104, with associated data
stored in
the mobile device account database 132. The mobile device account database 132
may contain further information about the mobile device 104 or a user such as
a
billing or shipping address and payment information. Generally, carrier system
130 is
associated with at least one mobile network 138/140 which may be used to
enable
communication between transaction system 114 and mobile device 104. However,
other mobile networks 138/140 may be used to enable communication between
transaction system 114 and mobile device 104, such as when for example the
mobile device 104 is roaming in a different region or area than carrier system
130
(and its associated mobile networks) the mobile device 104 is associated with.
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[51] A mobile device bill 142 may be issued by the carrier system 130 or by a
third
party service provider (not shown) for usage associated with mobile device
104. For
example, if mobile device 104 sends an SMS message to a short code
recognizable
by mobile network 134 and/or carrier system 130, then a premium rate may be
charged to a billing account for the mobile device 104. A mobile device bill
142 may
be issued to a mobile device 104 and/or a user associated therewith to enable
payment to carrier system 130 for usage by mobile device 104. The premium rate
associated with the short code and charged to the billing account of the
mobile
device 104 may be determined by the carrier system 130 or a third party in
agreement with the carrier. The carrier system 130 may in turn provide
compensation to a third party for the transaction for charges made in relation
to the
short code.
[52] Reference is now made to Figure 3, which shows a block diagram of a
system
300 in accordance with at least one other embodiment of the present invention.
[53] In this example embodiment, transaction object 108 is a widget embedded
within a web page 106 served by a web server 150 displayed on a client web
browser residing on customer device 102. Web page 106 may display items (e.g.
products and/or services) for sale by a merchant or a third party on behalf of
a
merchant. A merchant may be any product or service provider, supplier,
manufacturer, wholesaler, retailer or other person or company that has an
interest in
the sales or marketing of products and/or services.
[54] A client web browser residing on customer device 102 requests a web page
106 which has a transaction object 108 embedded within. The web page may be
hosted by a merchant or other third party for example. The transaction object
108
may include a tag containing a parameter which is used to identify a
transaction
offer. The web page 106, served by a web server 150, is rendered in the client
web
browser and the transaction object 108 loads locally in the client web
browser. The
transaction object 108 opens a connection to the transaction system 114 via
network
112, such as for example a hypertext transfer protocol (HTTP) connection.
[55] Transaction system 114 includes a customer device service module 116 for
interfacing with transaction object 108, such as e.g. a web service. The
transaction
object 108 identifying parameter is provided to the customer device service
module
116. In response, the customer device service module 116 may provide display
or
layout attributes which define how the transaction object 108 is rendered on
the web
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page 106 in client web browser on the customer device 102. The display or
layout
attributes include background, font, images, buttons locations, etc.. The
display
attributes are configurable by a merchant or third party using an interface to
the
transaction system 114.
[56] When rendered in the client web browser, transaction object 108 includes
a
transaction request form 110 for receiving a transaction request from a
purchaser
using an input device of the customer device 102. The transaction request
includes a
mobile device identifier, such as a mobile device number, and a region
identifier
such as a country (e.g. Canada) or other territory (e.g. European Union).
[57] The transaction object 108 transmits the transaction request to the
transaction
system 114. In response, the transaction system 114 identifies a short code in
a
short code database 124 using the region identifier. The short code database
124
stores a plurality of short codes linked to and indexed by region identifiers.
A short
code is linked to a region identifier if its digit format is recognizable by
at least one
carrier system 130 in a region associated with the region identifier.
[58] Message module 118 constructs a confirmation request message, where the
reply address is the short code. In accordance with at least one embodiment,
message module 118 constructs a confirmation request message, including a
confirmation text to authorize or confirm the transaction request. Transaction
system
114 may identify data fields in the short code database 124 for use as the
confirmation text.
[59] Mobile device service module 120 transmits the confirmation request
message to mobile device 104 via mobile network(s) 134/138 and mobile device
base station(s) 138/140. The confirmation request message may be in any
message
format capable of being transmitted to mobile device via mobile network 134
such as
an SMS message, an MMS message, e-mail message, instant message, java
application, etc..
[60] Mobile device service module 120 may also receive a reply message
corresponding to the confirmation request message and the short code. The
reply
message may be in any message format capable of being transmitted from mobile
device via mobile network 134 such as an SMS or MMS message. That is, the
reply
message has a destination address corresponding to short code for charging a
premium rate to a billing account for the mobile device 104 maintained by
carrier
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system 130. A mobile device bill 142 may be issued to mobile device 104 and/or
a
user associated therewith to enable payment to carrier system 130.
[61] The transaction system 114 may include a record module 122 to assign a
transaction identifier to the transaction request. The record module may
record the
transaction in a transaction database 126 and identify the status of the
transaction.
[62] The transaction may relate to electronically deliverable content
available from
a content server 152 linked to a content database 154, which may be maintained
by
a merchant or third party content provider. The electronically deliverable
content may
also be available from a content server 144 maintained by the transaction
system
114.
[63] Reference is now made to Figure 4, which shows a flow diagram of a method
in accordance with at least one embodiment of the present invention.
[64] At step 402, the transaction system 114 receives a transaction request
from a
transaction object 108 via network 112. The transaction request contains a
region
identifier and a mobile device identifier. For example, the region may be a
city, a
country, a territory or other geographically defined area. The transaction
request may
also contain a carrier system identifier, associated with e.g. carrier system
130. As
above, carrier system 130 may maintain a billing account associated with
mobile
device 104. For example, a region may be Canada and a carrier identifier may
be
TelusTM.
[65] The transaction request typically relates to a transaction item. For
example,
the transaction item may be a product or service. A transaction item
identifier relates
to the transaction item and may be provided along with the transaction request
to
transaction system 114.
[66] At step 404, the transaction system 114 identifies a short code in the
short
code database 124 based on the region identifier. The short code may also be
identified based on the carrier system identifier, if for example a region
contains
numerous carriers and the short code is only recognizable for a sub-set
thereof. That
is, short codes are indexed in the short code database 124 via region
identifier, and
sometimes carrier identifier.
[67] The short code allows a premium rate to be charged to the user's mobile
device bill 142. The premium rate to charge for an SMS or MMS message sent to
the
short code is typically determined by a carrier system 130 it is assigned (or
leased)
to or a third party in agreement with the carrier system 130 responsible for
issuing
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the bill 142. Generally, the premium rate is charged to the user's mobile
device bill
142 when the user sends a message to the associated short code.
[68] A third party maintaining transaction system 114 may enter into agreement
with the carrier system 130 regarding the premium rate to associate with
specific
short codes stored in short code database 124.
[69] A third party maintaining transaction system 114 may also enter into
agreement with the carrier system 130 to charge a first premium rate for a
message
sent to a short code if the message contains a first keyword, and a second
premium
rate for a message sent to the same short code if the message contains a
second
keyword.
[70] In some instances, the second premium rate may not be a charge to the
mobile device bill 142 (i.e. no rate will be charged to bill 142 when a
message is sent
to the short code by mobile device 142). For example, the mobile device reply
may
deny or decline a confirmation request message.
[71] This allows for e.g. a dynamic premium rate (and sometimes no rate at
all) to
be associated with a short code depending on the content of the message sent
to
the short code. The premium rate may be defined, at least in part, by the
transaction
cost for the transaction item related to the transaction request.
[72] The plurality of short codes may be stored in the short code database 124
in
the form of any data structure suitable for recordal in the short code
database 124.
Each short code in the short code database may be associated with (or linked
to)
one or more data fields, such as a region identifier. Other data fields
include a
transaction item identifier, a carrier identifier, a premium rate, a
transaction cost, a
keyword, a mobile phone identifier etc.. The transaction item identifier
relates to a
transaction item with an associated transaction cost. The transaction item
relates to
a transaction request.
[73] The premium rate relates to the amount charged to the bill 142 maintained
by
carrier system 130 when a message is sent to a short code (linked thereto) by
the
mobile device 104. The keyword relates to the content of the message sent to a
short code by mobile device 104 for use by carrier system 130 for charging a
dynamic premium rate for the short code, as explained. In some instances, the
keyword may be equivalent to the transaction item identifier.
[74] Each short code may be indexed in the short code database 124 by one or
more of the associated data fields. An index provides a means for the
transaction
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system 114 to identify a short code in the short code database 124 based on a
data
field value, such as e.g. a region identifier value, a transaction cost value
or a
keyword value. For example, transaction system 114 may receive a transaction
request relating to a transaction item with an associated transaction cost
value.
[75] Transaction system 114 may use the transaction cost value to identify a
short
code linked to a transaction cost (data field) corresponding to the
transaction cost
value. As a short code is used to charge a mobile device bill 142 this may
enable the
premium rate charged to bill 142 associated with mobile device 104 to be
defined at
least in part by transaction cost.
[76] Upon identifying a short code in the short code database 124, one or more
of
the data fields linked thereto may also be identified. One or more of the data
fields
linked to the short code may be included in the confirmation request message
sent to
mobile device 104. For example, if a short code has a dynamic premium rate,
then a
keyword linked thereto may also be identified. If the short code is identified
using
e.g. a region identifier and a transaction cost, then the keyword linked
thereto may
also be identified. The keyword in turn may affect the premium rate charged to
the
mobile device bill 142, as explained above.
[77] Referring to the table below, a simplified example is illustrated. If the
regional
identifier of the received transaction request is "United States", then the
short code
"223344" will be identified in the short code database 124. The transaction
request
may relate to a transaction item with an associated transaction cost value of
$3.00,
which may also be used to identify the short code 223344. Both the transaction
cost
and regional identifier may be used to identify the keyword SONG linked to
223344.
The premium rate charged to the bill 142 associated with mobile device 104 may
be
a different amount than the transaction cost in order to e.g. provide a
service fee to
carrier system 130.
Short Code Keyword Transaction Cost Regional Identifier
223344 SONG $2.00 United States
223344 VIDEO $3.00 United States
[78] At step 406, the transaction system 114 transmits a confirmation request
message to a mobile device corresponding to the mobile device identifier,
wherein
the confirmation request message includes a reply address corresponding to the
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short code. When the mobile device 104 sends a reply message to the short code
carrier system 130 generally charges an account associated therewith.
[79] The transaction system 114 includes message module 118 which constructs
the confirmation request message for transmission to mobile device 104. The
confirmation request message typically contains confirmation text indicating
how the
mobile device can confirm or authorize the transaction request. For example,
the
confirmation text may be Y/N type content or may be a transaction identifier
(e.g.
"PROD12") or keyword (e.g. "SONG"). The confirmation request message may also
include informative text, such as customer support contact details.
[80] The transaction system 114 may maintain a mobile device database
containing information records indexed by mobile device identifiers. An
information
record relating to the mobile device identifier of the transaction request may
be
identified by message module 118 and used to construct the confirmation
request
message.
[81] Mobile device service module 120 transmits the confirmation request
message to mobile device 104 via mobile network(s) 134/138 and mobile device
base station(s) 138/140. The confirmation request message may be an SMS or MMS
message, or other format as noted herein.
[82] Reference is now made to Figure 5, which shows a flow diagram of a method
in accordance with at least one other embodiment of the present invention.
Generally, steps 502 to 506 are as described in relation to steps 402 to 406
of Figure
4 and will not be repeated in detail so as not to obscure from the additional
features
of the at least one embodiment.
[83] At step 508, the transaction system 114 receives a reply message
corresponding to the confirmation request message and to the short code. When
the
mobile device 104 sends a reply message to the short code, carrier system 130
generally charges an account associated therewith. The short code allows a
premium rate to be charged to an account linked to mobile device 104 for
issuing bill
142. This premium rate may be defined, at least in part by, the transaction
cost or
keyword.
[84] In at least one embodiment, mobile device service module 120 polls for
all
incoming messages (e.g. reply messages) to transaction system 114 transmitted
from mobile device(s) 104 via mobile network 134.
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[85] In at least one embodiment, the reply message corresponding to the
confirmation request message may include a reply text. The reply text may
indicate
authorization or confirmation of the transaction request. The reply text may
correspond, at least in part, to the confirmation text indicating how the
mobile device
can confirm or authorize the transaction request in the reply message.
[86] For example, the confirmation text may be Y/N type content and the reply
text
of a reply message authorizing or confirming the transaction request may
include Y.
As another example, the confirmation text may include one or more of the data
fields
associated with the transaction record (e.g. a transaction identifier or
keyword) and
the reply text may include the data field(s). A keyword may be linked to a
dynamic
premium rate for the short code.
[87] In at least one embodiment, the reply message may include a reply text
indicating denial of the transaction request. For example, a reply message
denying
the transaction request may include N as a reply text.
[88] In at least one embodiment, the reply message may not include reply text.
[89] At step 510, the transaction system 114 authorizes the transaction in
response to the reply message. As will be explained herein, authorizing the
transaction may encompass a variety of actions and events. For example, if the
transaction request relates to electronically deliverable content, then upon
authorization it may be available for download to customer device 102 or
mobile
device 104 by providing a link to the content. This link may be transmitted to
another
party such as via a message (e.g. SMS, MMS, e-mail, etc.).
[90] If the transaction request relates to a service, then upon authorization
the
service may be provided to a purchaser. If the transaction request relates to
a
physically deliverable item, then upon authorization the item may be shipped
or
otherwise delivered to a purchaser.
[91] Reference is now made to Figure 6, which shows a flow diagram of a method
in accordance with at least one other embodiment of the present invention.
Generally, steps 602 to 606 are as described in relation to steps 402 to 406
of Figure
4 and will not be repeated in detail so as not to obscure from the additional
features
of the at least one embodiment.
[92] The transaction may relate to electronically deliverable content
available from
a content server 152 linked to a content database 154 (Figure 3). The
electronically
deliverable content may also be available from a content server 144 maintained
by
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the transaction system 114. Examples of electronically deliverable content
include:
software, music, video, audio, ebooks, images, files, journals, images,
photographs,
an access code, ring tones, video game virtual products, virtual currency
(e.g. game
currency), avatars, electronic payment, electronic tickets, electronic
vouchers, and
the like.
[93] At step 608, the transaction system 114 receives a reply message
corresponding to the confirmation request message and to the short code. When
the
mobile device 104 sends a reply message to the short code, carrier system 130
generally charges an account associated therewith. The short code allows a
premium rate to be charged to an account linked to mobile device 104 for
issuing bill
142. This premium rate may be defined, at least in part by, the transaction
cost or
keyword.
[94] In at least one embodiment, mobile device service module 120 polls for
all
incoming messages (e.g. reply messages) to transaction system 114 transmitted
from mobile device(s) 104 via mobile network 134.
[95] In at least one embodiment, the reply message corresponding to the
confirmation request message may include a reply text. The reply text may
indicate
authorization or confirmation of the transaction request. The reply text may
correspond, at least in part, to the confirmation text indicating how the
mobile device
can confirm the transaction request in the reply message.
[96] For example, the confirmation text may be Y/N type content and the reply
text
of a reply message authorizing or confirming the transaction request may
include Y.
As another example, the confirmation text may include one or more of the data
fields
associated with the transaction record (e.g. a transaction identifier or
keyword) and
the reply text may include the data field(s). A keyword may be linked to a
dynamic
premium rate for the short code.
[97] In at least one embodiment, the reply message may include a reply text
indicating denial of the transaction request. For example, a reply message
denying
the transaction request may include N as a reply text.
[98] In at least one embodiment, the reply message may not include reply text.
[99] At step 610, the transaction system 114 transmits electronic content
delivery
instructions to content server 152 linked to content database 154 storing the
electronically deliverable content. Content server 152 may be maintained by a
third
party content provider or by a merchant associated with web page 106.
Electronically
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deliverable content may also be stored in content database 144 and the
electronic
content delivery instructions are transmitted within transaction system 114,
which
acts as a content server. Electronic content delivery instructions may
indicate what
electronic content to deliver by indicating e.g. a content identifier. The
electronic
content delivery instructions may also indicate how the content should be
electronically delivered, such as via a download (e.g. made available for
download or
transmitted) to customer device 102 and/or mobile device 104, by streaming to
customer device 102 and/or mobile device 104, or via a link.
[100] The electronic content delivery instructions may also indicate an access
code
(e.g. user name, login, password) for input by e.g. a user using an input
device of the
customer device 102 to access electronic content controlled by a security
interface
form that is unlocked using the access code. For example, a subscription to an
electronic journal may require an access code to be provided using input
devices of
customer device 102 in order to view electronic journal articles. As another
example,
transaction system 114 may include a web server to serve a web page including
a
security interface form. Upon receiving the access code as input, the
electronic
content may be available for download or accessible to customer device 102
and/or
mobile device 104.
[101] The electronic content delivery instructions may also indicate a keyword
for
allowing different pricing systems or services.
[102] Alternatively, the transaction system 114 may transmit a transaction
authorization message to the transaction object 108, wherein the transaction
authorization message instructs the transaction object 108 to deliver the
content to a
purchaser. The transaction authorization message may indicate an access code.
The transaction authorization message may instruct what electronic content to
deliver, how the content should be electronically delivered (e.g. available
for
download, transmit, provide a link or stream) and when the content should be
electronically delivered (e.g. periodically or one time only).
[103] At step 612, the transaction system 114 transmits a transaction
authorization
message to the transaction object 108. The transaction authorization message
may
indicate to the transaction object 108 that electronic content delivery
instructions
have been transmitted to the content server 152. The transaction object 108
may
request delivery of the electronic content from the content server 152 to
customer
device 102. The transaction object 108 may provide a message to output
device(s)
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of customer device 102 to e.g. display that the transaction request has been
authorized.
[104] In at least one embodiment, the transaction system 114 may only transmit
a
transaction authorization message to the transaction object 108, wherein the
transaction authorization message includes a link or url to the electronically
deliverable content. The link or url may be indicated by output device of
customer
device 102, e.g. via display screen. The location defined by the link or url
may be
pertain to content server 152 (linked to content database 154) or content
database
144 of transaction system 114.
[105] In at least one embodiment, upon transmitting the original transaction
request
to transaction system 114, transaction object 108 polls (or calls) e.g. the
customer
device service module 144 requesting a transaction authorization message until
it is
transmitted. The transaction object 108 may poll (or call) the customer device
service
module 144 periodically at predetermined time periods. For example,
transaction
object 108 may poll (or call) the customer device service module 144 every 15
seconds for a transaction authorization message. If the transaction object 108
is
embedded within web page 106 in a client web browser, then the transaction
object
108 may only poll for a transaction authorization message if the client web
browser
session has not be terminated on client device 102.
[106] Reference is now made to Figure 7, which shows a flow diagram of a
method
in accordance with at least one other embodiment of the present invention.
Generally, steps 702 to 706 are as described in relation to steps 402 to 406
of Figure
4 and will not be repeated in detail so as not to obscure from the additional
features
of the at least one embodiment.
[107] The transaction may relate to a physically deliverable item, such as
merchandise, books, property, stocks, services, raw materials, computer
readable
medium with electronic content stored thereon, and any other physical (or
tangible)
item that can be a subject of a transaction and delivered.
[108] At step 708, the transaction system 114 receives a reply message
corresponding to the confirmation request message and to the short code. When
the
mobile device 104 sends a reply message to the short code, carrier system 130
generally charges an account associated therewith. The short code allows a
premium rate to be charged to an account linked to mobile device 104 for
issuing bill
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142. This premium rate may be defined, at least in part by, the transaction
cost or
keyword.
[109] In at least one embodiment, mobile device service module 120 polls for
all
incoming messages (e.g. reply messages) to transaction system 114 transmitted
from mobile device(s) 104 via mobile network 134.
[110] In at least one embodiment, the reply message corresponding to the
confirmation request message may include a reply text. The reply text may
indicate
authorization or confirmation of the transaction request. The reply text may
correspond, at least in part, to the confirmation text indicating how the
mobile device
can confirm the transaction request in the reply message.
[111] For example, the confirmation text may be Y/N type content and the reply
text
of a reply message authorizing or confirming the transaction request may
include Y.
As another example, the confirmation text may include one or more of the data
fields
associated with the transaction record (e.g. a transaction identifier or
keyword) and
the reply text may include the data field(s). A keyword may be linked to a
dynamic
premium rate for the short code.
[112] In at least one embodiment, the reply message may include a reply text
indicating denial of the transaction request. For example, a reply message
denying
the transaction request may include N as a reply text.
[113] In at least one embodiment, the reply message may not include reply
text.
[114] At step 710, the transaction system 114 initiates delivery of the item
to a
purchaser. The purchaser may be associated with mobile device 104 and may have
provided the original transaction request using input device(s) of the
customer device
102. The item may be any tangible product and/or one or more services. In the
case
of a tangible product, initiating delivery may include sending delivery
instructions to a
third party product provider for shipment, distribution or other means of
provision to
the purchaser associated with mobile device 104. In at least one embodiment,
the
purchaser is the user associated with mobile device 104. In such case,
transaction
system 114 may request billing or shipping information (such as an address)
associated with mobile device 104 from carrier system 130. The billing or
shipping
information (such as an address) associated with mobile device 104 is provided
to a
product or service provider for delivery of the product or service to the
purchaser (i.e.
the user associated with the mobile device 104).
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[115] Reference is now made to Figure 8, which shows a flow diagram of a
method
in accordance with at least one other embodiment of the present invention.
Generally, steps 802 to 806 are as described in relation to steps 402 to 406
of Figure
4 and will not be repeated in detail so as not to obscure from the additional
features
of the at least one embodiment.
[116] At step 808, the transaction system 114 assigns a transaction identifier
to the
transaction request. The transaction identifier may uniquely identify the
transaction
request such as a unique numerical or text code. The transaction identifier
may
include the mobile device identifier or a mobile device number associated
therewith.
In the event that more than one transaction request includes the same mobile
device
identifier, then more than one transaction request may be linked to the same
transaction identifier. Alternatively, a tag or code may be affixed to the
mobile device
identifier to ensure that each transaction request is linked to a unique
transaction
identifier. The transaction identifier associated with the transaction request
may be
included in the confirmation request message sent to the mobile device 104 or
the
reply message received from the mobile device 104.
[117] At step 810, the transaction system 114 records the transaction in a
transaction database 126 using e.g. record module 120. Record module 120
manages transaction database 126 by recording transactions therein and by
identifying transactions recorded in the transaction database 126.
[118] The recorded transaction may take the form of any data structure
suitable for
recordal in the transaction database 126, and for ease of reference will be
referred to
herein as a transaction record. The transaction record includes data fields
linked to
transaction request, such as the transaction identifier or the mobile phone
identifier.
Other data fields include a transaction item identifier, carrier identifier,
region
identifier, a user identifier, transaction cost, a credibility score linked to
the mobile
device identifier, a date of the transaction request (e.g. date stamp), a time
of the
transaction request (e.g. time stamp) etc.. The transaction record may be
indexed in
the transaction database 126 by any of the associated data fields, such as for
example the transaction identifier, the mobile phone identifier, and the
transaction
item identifier. An index provides a means for record module 122 to identify
the
transaction record in the transaction database 126 based on a data field
value, such
as e.g. a transaction identifier value or mobile device identifier value.
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[119] The transaction record may include a data field relating to the status
of the
transaction, which may also be used as an index. When the transaction is first
recorded in the transaction database 126 as a transaction record, generally
the
status data field is set to open. That is, the transaction system 114, and in
particular
record module 122, identifies the transaction recorded in the transaction
database
126 as an open transaction.
[120] One or more of the data fields of the transaction record associated with
the
transaction request may be included in the confirmation request message sent
to
mobile device 104.
[121] At step 812, the transaction system 114 receives a reply message
corresponding to the confirmation request message and to the short code. When
the
mobile device 104 sends a reply message to the short code, carrier system 130
generally charges an account associated therewith. The short code allows a
premium rate to be charged to an account linked to mobile device 104 for
issuing bill
142. This premium rate may be defined, at least in part by, the transaction
cost or
keyword.
[122] In at least one embodiment, mobile device service module 120 polls for
all
incoming messages (e.g. reply messages) to transaction system 114 transmitted
from mobile device(s) 104 via mobile network 134.
[123] In at least one embodiment, the reply message corresponding to the
confirmation request message may include a reply text. The reply text may
indicate
authorization or confirmation of the transaction request. The reply text may
correspond, at least in part, to the confirmation text indicating how the
mobile device
can confirm the transaction request in the reply message.
[124] For example, the confirmation text may be Y/N type content and the reply
text
of a reply message authorizing or confirming the transaction request may
include Y.
As another example, the confirmation text may include one or more of the data
fields
associated with the transaction record (e.g. a transaction identifier or
keyword) and
the reply text may include the data field(s). A keyword may be linked to a
dynamic
premium rate for the short code.
[125] In at least one embodiment, the reply message may include a reply text
indicating denial of the transaction request. For example, a reply message
denying
the transaction request may include N as a reply text.
[126] In at least one embodiment, the reply message may not include reply
text.
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[127] At step 814, the transaction system 114 identifies the transaction
corresponding to the confirmation request message as a closed transaction. In
particular, the record module 122 may identify the transaction record
corresponding
to the confirmation message in the transaction database 126 and sets the
status
data field to closed.
[128] In at least one embodiment, in response to receiving a reply message
corresponding to the confirmation request message and to the short code, the
transaction system 114 identifies the mobile device 104 that the reply message
was
received from. The transaction system 114 may use e.g. mobile device service
module 120 to monitor incoming reply messages received via mobile network 134.
The transaction system 114 may identify the mobile device 104 using an
associated
mobile device number or mobile device identifier.
[129] Upon identifying the mobile device identifier associated with the reply
message, the transaction system 114 provides the mobile device identifier to
record
module 122 to identify a corresponding transaction record recorded in
transaction
database 126.
[130] The reply text of the reply message may be processed by transaction
system
114. The reply text may indicate authorization or confirmation of the
corresponding
confirmation request message. The reply text may include one or more of the
data
fields associated with the transaction record (e.g a transaction identifier,
keyword,
Y/N type content) which may be used by record module 122 to identify the
transaction record corresponding to the reply message in addition or as an
alternative to the mobile device identifier.
[131] The transaction records recorded in the transaction database 126 may be
indexed by a data field (e.g. the mobile device identifier corresponding to
the
transaction request) and identified using a data field value (e.g. mobile
device
identifier corresponding to the reply message). When the corresponding
transaction
record is identified, record module 122 sets to the status to closed.
[132] The reply text may be used by record module 122 to set the status of the
transaction record. For example, a reply message authorizing or confirming the
transaction request may include Y as a reply text. In response, the record
module
122 may set to the status of the transaction record to authorized or
confirmed, in
addition or in alternative to closed. As another example, the reply message
may
include a reply text indicating denial of the transaction request. A reply
message
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denying or declining the transaction request may include N as a reply text. In
response, the record module 122 may set to the status of the transaction
record to
denied or declined, in addition or in alternative to closed.
[133] If more than one transaction request corresponds to a mobile device
identifier,
then the confirmation text and the corresponding reply text may vary slightly
between
confirmation request messages in order to indicate authorization or denial of
the
corresponding transaction request. This may be required if the mobile device
identifier is used to identify the transaction record in the transaction
database 126.
For example, a first confirmation request message may have as a confirmation
text
Yl and a second confirmation request message may have as a confirmation text
Y2,
where both confirmation request messages are associated with the same mobile
device identifier. If the reply text contains Yl then the reply message would
correspond to the first confirmation request message. If the reply text
contains Y2
then the reply message would correspond to the second confirmation request
message.
[134] The confirmation text associated with the confirmation request message
corresponding to the mobile device identifier may be a data field in the
transaction
record. This may allow the record module 122 to identify the transaction
record using
the reply text and/or confirmation text.
[135] An illustrative example of at least one embodiment of the present
invention
will now be described with reference to Figures 9 to 13.
[136] Reference is first made to Figure 9, which shows a diagram of a
graphical
user interface 900 of a transaction object 108 in accordance with at least one
embodiment of the present invention.
[137] The graphical user interface 900 of the transaction object 108 comprises
a
transaction request link 902 to initiate a transaction request. In this
example, the
transaction relates to electronically deliverable content and in particular to
a digital
music file entitled "Motivation" as illustrated by a display title 904. The
preview link
906 enables a purchaser using customer device 102 to preview the
electronically
deliverable content via output device(s) of customer device 102, and in
particular via
e.g. speakers. Upon selection of the preview link 906 a portion of the
electronically
deliverable content is delivered to the customer device 102 by e.g.
downloading or
streaming the digital music file to which the transaction relates. Transaction
object
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108 enables a purchaser to preview the electronically deliverable content
prior to
conducting a transaction.
[138] In this example embodiment, transaction object 108 is a widget embedded
within a web page 106 (not shown) rendered on a client web browser residing on
customer device 102 and served by a web server 150 connected to customer
device
102 via network 112.
[139] A purchaser may select the transaction request link 902 using input
device(s)
of customer device 102 such as e.g. a mouse. Selection of the transaction
request
link 902 initiates a transaction request by prompting the purchaser for a
transaction
request.
[140] Reference is now made to Figure 10, which shows a diagram of a graphical
user interface 900 of a transaction object 108 prompting for a transaction
request in
accordance with at least one other embodiment of the present invention.
[141] When rendered in the client web browser, the graphical user interface
900 of
a transaction object 108 includes a graphical user interface 910 of a
transaction
request form 110 for receiving a transaction request from a purchaser using an
input
device of a customer device 102. In this example, the transaction request form
110
comprises a region selection module 912, a carrier selection module 914, and a
mobile device identifier input module 916, and a transaction request
transmission
link 910.
[142] The region selection module 912 enables selection of the region
identifier of
the transaction request from a set of region identifiers (not shown) displayed
on
customer device via a drop down combo box. The set of region identifiers may
be
transmitted to transaction object 108 by transaction system 114 for populating
the
region selection module 912.
[143] The carrier selection module 914 enables selection of the carrier
identifier of
the transaction request from a set of carrier identifiers (not shown)
displayed on
customer device via a drop down combo box. In accordance with at least one
embodiment, upon selection of a region identifier using region selection
module 912,
the selected region identifier is transmitted to transaction system 108 and
forms part
of the transaction request. Using the region identifier of the transaction
request, the
transaction system 108 identifies a set of carrier identifiers. The set of
carrier
identifiers may be transmitted to transaction object 108 by transaction system
114 for
populating the carrier selection module 914.
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[144] The mobile device identifier input module 916 enables a purchaser using
input
device(s) of customer device 102 such as e.g. a key board to input a mobile
phone
identifier, which also forms part of the transaction request.
[145] In this example, the transaction request includes a region identifier
such as a
country (United States), a carrier identifier (AT&T), and a mobile device
identifier,
such as a mobile device number (3104099009).
[146] The transaction request transmission link 918 of graphical user
interface 910
of the transaction request form 110 may be activated (or selected) by a
purchaser
using input device(s) of customer device 102 such as e.g. a mouse to activate
transmission of the transaction request to transaction system 114.
[147] Reference is now made to Figure 11, which shows a diagram of a graphical
user interface 900 of a transaction object 108 providing a status message 920
in
accordance with at least one other embodiment of the present invention. The
status
message 920 may be displayed on output device, e.g. display, of customer
device
within the graphical user interface 900 of a transaction object 108. The
status
message 920 may be displayed until the transaction is authorized by
transaction
system 114, such as at e.g. step 510 of Figure 5 or step 612 of Figure 6.
[148] Reference is now made to Figure 12, which shows a front view of a mobile
device 104 displaying an example confirmation request message 930 in
accordance
with at least one other embodiment of the present invention. As shown, the
mobile
device 104 comprises an output device 932, and in particular a display screen,
and
an input device 934, and in particular a keypad. The example confirmation
request
message 930 states "to confirm ur purchase of XX pls txt Y in ur reply to
SHTCDE
thx :-)". In this example, the confirmation text of the example confirmation
request
message 930 is "Y" and the short code is "SHTCDE". A reply message (not shown)
authorizing or confirming the transaction would have a destination address as
"SHTCDE" and a reply text as "Y".
[149] Reference is now made to Figure 13, which shows a diagram of a graphical
user interface 900 of a transaction object 108 displaying a graphical
transaction
authorization message 940 for enabling delivery of the electronically
deliverable
content to customer device 102.
[150] As above, upon receiving a reply message from mobile device 104 the
transaction system 114 transmits a transaction authorization message (e.g. a
message in HTML format) to the transaction object 108. The graphical
transaction
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authorization message 940 includes a link to the electronically deliverable
content,
which in this example is a digital music file 942 entitled "B-Real-
Motivation.mp3".
The location defined by the link may be pertain to content server 152 (linked
to
content database 154) or content database 144 of transaction system 114. A
purchaser using an input device of customer device 102 may select a location
using
a location selection module 944 to indicate where in the memory of customer
device
102 the digital music file 942 should be downloaded. Upon activating a
delivery link
946 using input device of the customer device 102 the digital music file 942
is
downloaded to customer device 102. In particular, transaction object 108
navigates
to the address associated with the link to the electronically deliverable
content.
Alternatively, a cancellation link 948 may be activated in order to cancel a
delivery of
the digital music file 942.
[151] The embodiments of the present invention relate to methods and systems
for
conducting a transaction. The transaction system 114 receives a transaction
request
from a transaction object 108 containing a region identifier and a mobile
device
identifier. The transaction system 114 identifies a short code based on the
region
identifier. Then, the transaction system 114 transmits a confirmation request
message to a mobile device 104 corresponding to the mobile device identifier,
wherein the confirmation request message includes a reply address
corresponding
to the short code.
[152] The present invention has been described here by way of example only.
Various modification and variations may be made to these exemplary embodiments
without departing from the spirit and scope of the invention, which is limited
only by
the appended claims.
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