US20120143737A1 - Billing system and method for micro-transactions - Google Patents

Abstract

Billing a customer through an intermediary billing system for a transaction by receiving, at the intermediary billing system, a transaction request associated with a transaction amount and a customer identification code, validating, in the intermediary billing system, the transaction request by determining whether the customer identification code corresponds to a customer that is registered with the intermediary billing system, and sending, in the case that the transaction request is valid, a billing event trigger associated with the customer identification code to an external billing mechanism, the billing event trigger representing the transaction amount.

Description

CROSS-REFERENCE TO RELATED APPLICATIONS
• This present application claims the benefit of priority as a Continuation under 35 U.S.C. §120 of U.S. patent application Ser. No. 11/446,973, filed Jun. 6, 2006 and entitled “BILLING SYSTEM AND METHOD FOR MICRO-TRANSACTIONS,” which in turn claims the benefit of priority under 35 U.S.C. §119 from U.S. Provisional Patent Application Ser. No. 60/687,663 entitled “METHOD AND SYSTEM BY WHICH MICRO TRANSACTIONS ARE PROCESSED,” filed on Jun. 6, 2005, and U.S. Provisional Patent Application Ser. No. 60/689,641 entitled “METHOD AND SYSTEM BY WHICH MICRO PAYMENT TRANSACTIONS OCCUR VIA A WIRELESS DEVICE AND/OR INTERNET PORTAL,” filed on Jun. 10, 2005, all of which are incorporated herein by reference in their entirety for all purposes.
FIELD OF THE INVENTION
• The present invention concerns the automated processing of transactions, including small transactions known as micro-transactions. In particular, the invention concerns the use of an intermediate billing system that acts on behalf of third party providers of content or services by interacting with various external billing mechanisms to effectuate transactions between such third party providers and their customers.
BACKGROUND OF THE INVENTION
• While credit card use and automatic credit card billing is a common way to conduct business transactions in many countries, they are not necessarily the best way in some situations. In particular, there are many users of the internet that do not have access to a credit card or do not want to use their credit card for an internet based transaction out of security concerns. Many such users most likely have a mobile phone or mobile device, and it would be more easy and efficient to have a mechanism for billing the user for transactions through the user's pre-existing account with the mobile carrier associated with the user's mobile phone number. In addition, the use of a credit card is economically viable only if the transaction amount, or a volume of such transactions, exceeds a particular amount that depends on the underlying efficiency of the billing and collecting system implemented by the merchant and by the credit card provider. Currently, mobile phone carriers routinely bill users for small transactional amounts, such as a one minute call, or portion thereof, and are able to bill and collect for these small transactions while making a profit. These small transactions are referred to as micro-transactions and, in terms of U.S. currency, can be as small as a few pennies, although larger transactions occur as well.
• Retailers or vendors, such as internet commercial websites, may desire to provide their respective content or services to mobile phone users via the internet or directly through the user's mobile phone, and bill the user for such content or services as micro-transactions. Currently, a retailer or vendor will find it very difficult and inefficient to bill and collect for such a micro-transaction because the retailer/vendor would need to negotiate and enter into a contractual relationship with the mobile phone carrier in order to bill the mobile phone user subscribed to that carrier. The process is further complicated by the fact that the universe of customers with mobile phones use different mobile phone carriers. Accordingly, the retailer/vendor would need to enter into contractual relationships with many different mobile phone carriers in order to be able to provide a mobile phone based micro-transaction billing option to the desired global market of mobile phone users. A retailer or vendor can try to use billing mechanisms other than mobile carriers, such as prepaid card services, web-based payment services, bank account and credit card billing services, and other such external billing mechanisms to support customer transactions. However, in such examples, the same problem still exists for the vendor/retailer because they would still need to have pre-existing relationships with all of the various external billing mechanisms that their various customers wish to use for payment of transactions.
• Thus, there exists a need for a system and method that allows retailers/vendors to easily conduct transactions, many of which may be micro-transactions, with a global market of customers, where the transactions are easily billable through a single intermediate billing system which can effectuate the transaction through a wide variety of external billing mechanisms on behalf of the retailer/vendor, thereby eliminating the need for the retailer/vendor to individually establish a pre-existing relationship with each of the wide variety of external billing mechanisms.
SUMMARY OF THE INVENTION
• The present invention solves the foregoing problems by providing a method and system that uses a single intermediate billing system to effectuate transactions between retailers/vendors and their customers through a wide variety of external billing mechanisms, without the need for the retailer/vendor to individually establish a pre-existing relationship with each of the wide variety of external billing mechanisms.
• In one embodiment, the invention is directed to a method and system for billing a customer through an intermediary billing system for a transaction, by receiving, at the intermediary billing system, a transaction request associated with a transaction amount and a customer identification code, validating, in the intermediary billing system, the transaction request by determining whether the customer identification code corresponds to a customer that is registered with the intermediary billing system, and sending, in the case that the transaction request is valid, a billing event trigger associated with the customer identification code to an external billing mechanism, the billing event trigger representing the transaction amount.
• In another embodiment, the invention is directed to a method and system for billing a customer through an intermediary billing system for a transaction between the customer and a third party provider, by receiving, at the intermediary billing system, a registration request to register the customer, registering the customer in the intermediary billing system by providing a mobile phone number of the customer to the intermediary billing system, assigning a customer identification code to the customer, the customer identification code being shared with the third party provider, and associating the mobile phone number of the customer with the customer identification code assigned to the customer, receiving, at the intermediary billing system, a billing request from the third party provider, the billing request including a product identification code corresponding to a product associated with the transaction between the customer and the third party provider, a customer identification code assigned to the customer and a provider identification code corresponding to the third party provider, validating, in the intermediary billing system, the billing request by determining whether the customer identification code corresponds to a customer that is registered with the intermediary billing system, and by determining whether the provider identification code corresponds to a valid third party provider, and sending, in the case that the billing request is validated, at least one message from the intermediary billing system to a mobile phone number associated with the customer identification code, the at least one message representing a billing value that corresponds to the product identification code.
• In another embodiment of the invention, a method and system is provided for billing a customer through an intermediary billing system for a transaction between the customer and a third party provider, by receiving, at the intermediary billing system, a transaction activation request from the third party provider to activate a customer for the transaction associated with a product offered by the third party provider, the customer being automatically directed from the third party provider to the intermediary billing system, prompting, by the intermediary billing system, the customer to confirm an instruction to proceed with the transaction, sending, in the case that the customer confirms the instruction to proceed with the transaction, at least one message from the intermediary billing system to a mobile phone number associated with a customer identification code for the customer, the at least one message representing a billing value that corresponds to the product, generating, in the intermediary billing system, an encrypted verification code in association with the customer identification code for the customer, installing the encrypted verification code on a web browser application of the customer (for browsing web pages on the internet), and automatically directing the customer from the intermediary billing system to the third party provider, receiving, at the intermediary billing system, a verification code validation request containing a returned encrypted verification code and a customer identification code from the third party provider, and validating, in the intermediary billing system, whether the returned encrypted verification code is the same as the encrypted verification code sent from the intermediary billing system to the third party provider for that customer identification code, and sending, from the intermediary billing system, a validation response to the third party provider, the validation response containing an error code in the case that the returned encrypted verification code is not valid, and containing a valid confirmation code in the case that the returned encrypted verification code is valid, wherein the third party provider enables the customer to access the product on the basis of the validation response received by from the intermediary billing system.
• In this manner, the present invention provides that an efficient and timely billing system that utilizes mobile text messages to bill customers for transactions between the customers and third-party providers of content or services, without the need for a third-party provider to have any relationship or interaction with the mobile phone carrier of the customer.
• This brief summary has been provided so that the general nature of the invention may be understood quickly. A more complete understanding of the invention can be obtained by reference to the following detailed description thereof in connection with the attached drawings. It is to be understood that embodiments of the invention other than that provided in the description below and the accompanying drawings may be utilized and that changes may be made without departing from the scope of the present invention.
BRIEF DESCRIPTION OF THE DRAWINGS
• FIG. 1 is a block diagram of a computer system with which the present invention may be practiced, according to one embodiment of the invention;
• FIG. 2 is a block diagram of a mobile community environment in which the invention may be practiced, according to one embodiment of the invention;
• FIG. 3 is a block diagram providing a detailed view of the mobile community platform shown inFIG. 2;
• FIG. 4 is a flowchart for explaining the registration and activation of a customer for transaction billing, according to one embodiment of the invention;
• FIG. 5 is a flowchart for explaining the processing of a billing request for a transaction, according to one embodiment of the invention;
• FIG. 6 is a flowchart for explaining the processing of a transaction, according to another embodiment of the invention; and
• FIG. 7 is a flowchart for explaining the processing of a billing request for a transaction, according to another embodiment of the invention.
DETAILED DESCRIPTION OF THE INVENTION
• As mentioned above, the present invention is a method and system that utilizes an intermediary billing system in conjunction with one or more external billing mechanisms for supporting transactions between customers and third-party providers of content or services, without the need for a third-party provider to have a relationship or interaction with any of the external billing mechanisms.
• FIG. 1 is a block diagram of an exemplary computer system with which one embodiment of the present invention may be practiced. As seen inFIG. 1,computer system100 includes abus102 or other communication mechanism for communicating information, and aprocessor104 coupled withbus102 for processing information.Computer system100 also includes amain memory106, such as a random access memory (RAM) or other dynamic storage device, coupled tobus102 for storing information and instructions to be executed byprocessor104.Main memory106 also may be used for storing temporary variables or other intermediate information during execution of instructions to be executed byprocessor104.Computer system100 further includes a read only memory (ROM)108 or other static storage device coupled tobus102 for storing static information and instructions forprocessor104. Astorage device110, such as a magnetic disk or optical disk, is provided and coupled tobus102 for storing information and instructions.
• Computer system100 may be coupled viabus102 to adisplay112, such as a cathode ray tube (CRT), for displaying information to a computer user. Aninput device114, including alphanumeric and other keys, is coupled tobus102 for communicating information and command selections toprocessor104. Another type of user input device iscursor control116, such as a mouse, a trackball, or cursor direction keys for communicating direction information and command selections toprocessor104 and for controlling cursor movement ondisplay112. This input device typically has two degrees of freedom in two axes, a first axis (e.g., x) and a second axis (e.g., y), that allows the device to specify positions in a plane.
• Computer system100 operates in response toprocessor104 executing one or more sequences of one or more instructions contained inmain memory106. Such instructions may be read intomain memory106 from another computer-readable medium, such asstorage device110. Execution of the sequences of instructions contained inmain memory106 causesprocessor104 to perform the process steps described herein. In alternative embodiments, hard-wired circuitry may be used in place of or in combination with software instructions to implement the invention. Thus, embodiments of the invention are not limited to any specific combination of hardware circuitry and software.
• The term “computer-readable medium” as used herein refers to any medium that participates in providing instructions toprocessor104 for execution. Such a medium may take many forms, including but not limited to, non-volatile media, volatile media, and transmission media. Non-volatile media includes, for example, optical or magnetic disks, such asstorage device110. Volatile media includes dynamic memory, such asmain memory106. Transmission media includes coaxial cables, copper wire and fiber optics, including the wires that comprisebus102. Transmission media can also take the form of acoustic or light waves, such as those generated during radio-wave and infra-red data communications.
• Common forms of computer-readable media include, for example, a floppy disk, a flexible disk, hard disk, magnetic tape, or any other magnetic medium, a CD-ROM, any other optical medium, punchcards, papertape, any other physical medium with patterns of holes, a RAM, a PROM, and EPROM, a FLASH-EPROM, any other memory chip or cartridge, a carrier wave as described hereinafter, or any other medium from which a computer can read.
• Various forms of computer readable media may be involved in carrying one or more sequences of one or more instructions to processor104 for execution. For example, the instructions may initially be carried on a magnetic disk of a remote computer. The remote computer can load the instructions into its dynamic memory and send the instructions over a telephone line using a modem. A modem local tocomputer system100 can receive the data on the telephone line and use an infra-red transmitter to convert the data to an infra-red signal. An infra-red detector can receive the data carried in the infra-red signal and appropriate circuitry can place the data onbus102.Bus102 carries the data tomain memory106, from whichprocessor104 retrieves and executes the instructions. The instructions received bymain memory106 may optionally be stored onstorage device110 either before or after execution byprocessor104.
• Computer system100 also includes acommunication interface118 coupled tobus102.Communication interface118 provides a two-way data communication coupling to anetwork link120 that is connected to alocal network122. For example,communication interface118 may be an integrated services digital network (ISDN) card or a modem to provide a data communication connection to a corresponding type of telephone line. As another example,communication interface118 may be a local area network (LAN) card to provide a data communication connection to a compatible LAN. Wireless links may also be implemented. In any such implementation,communication interface118 sends and receives electrical, electromagnetic or optical signals that carry digital data streams representing various types of information.
• Network link120 typically provides data communication through one or more networks to other data devices. For example,network link120 may provide a connection throughlocal network122 to ahost computer124 or to data equipment operated by an Internet Service Provider (ISP)126.ISP126 in turn provides data communication services through the world wide packet data communication network now commonly referred to as the “Internet”128.Local network122 andInternet128 both use electrical, electromagnetic or optical signals that carry digital data streams. The signals through the various networks and the signals onnetwork link120 and throughcommunication interface118, which carry the digital data to and fromcomputer system100, are exemplary forms of carrier waves transporting the information.
• Computer system100 can send messages and receive data, including program code, through the network(s),network link120 andcommunication interface118. In the Internet example, aserver130 might transmit a requested code for an application program throughInternet128,ISP126,local network122 andcommunication interface118. The received code may be executed byprocessor104 as it is received, and/or stored instorage device110, or other non-volatile storage for later execution. In this manner,computer system100 may obtain application code in the form of a carrier wave. Of course, other forms of computing systems may be used to implement the present invention.
• FIG. 2 is a block diagram of a mobile community environment in which the invention may be practiced according to an exemplary embodiment.FIG. 2 depicts a block diagram of a computer-basedmobile community platform202.Mobile community platform202 can be implemented in the computing system show inFIG. 1, or some other form of computing system. As seen inFIG. 2,users212,214,216 can connect to themobile community platform202 via a network orsimilar communications channel210. In an exemplary embodiment,network210 is the internet by whichusers212,214 and216 can access internet-enabled applications and websites, such asthird party providers231,232 and233. In this regard,third party providers231,232 and233 can be websites that provide only information, or may be commercial websites that offer a product, such as access to premium content or services, for purchase by the user, whereby the user is provided with access to the product after opting-in (purchasing) the product from that particular website. In addition,third party providers231,232 and233 can be internet-enabled applications such as a software application that is enabled to access the internet and that can provide content or services to the user of the software application for a price. For example, a software game being executed on a user's computer, or an internet-enabled game device, may allow the user to access the internet in order to purchase additional features of the game to be downloaded or “premium” information about how to play the game for a price. It can be appreciated that a third party provider can be any type of application, game, product or service that is internet-enabled and that offers additional product (software, content, information, or services) to the user for a price. Any such third party provider can maintain a website to which the user is directed when the user elects to purchase a product from the third party provider.
• Third party providers231,232 and233 are maintained and operated by known means and can be implemented in a computing system such as that shown inFIG. 1, or other known types of networked computing environments, such as a server, or combination of computers and servers. By means of the connection withmobile community platform202, a user (e.g.,212) may create a profile page or “home page” supported and maintained bymobile community platform202 that the user can personalize. This profile page can include various files and content that the user wants to share with other members of themobile community platform202.
• The user's profile page may include a hierarchy of pages, some of which are for public view and some of which have restrictions on viewing. For example, themobile community platform202 can be logically organized into neighborhoods such as “friends”, “family”, “workplace”, “dog owners”, etc.Users212,214,216 can belong to these different neighborhoods and share different pages with the members of the different neighborhoods.
• As seen inFIG. 2,mobile community platform202 connects with variousmobile carrier systems204,206,208, each of which has an associated community of mobile phone subscribers,224,226 and228. In this regard, each ofmobile carrier systems204,206,208 is a carrier network and system for supporting mobile devices including mobile phones and other mobile devices such as personal device assistants (pda). Each mobile carrier system is generally a wireless network provider, which can be cellular, PCS, or other wireless spectrum.Users212,214,216 of themobile community platform202 are also subscribers of one or more of the various mobile carriers, which support the mobile phones, or other mobile devices, ofusers212,214,216. In this way,users212,214,216 ofmobile community platform202 can access other users' profile pages through the computer-based platform ofmobile community platform202, and they can also access thesubscribers224,226 and228 of the variousmobile carrier systems204,206, and208 who also belong tomobile community platform202.
• A significant benefit of the architecture depicted inFIG. 2, is that themobile community platform202 has pre-existing contractual relationships with the variousmobile carrier systems204,206,208 for accessing subscribers through each carrier systems and for billing subscribers through their respective carrier system for content and services purchased by the subscriber throughmobile community platform202. As is known in the art, themobile carrier systems204,206,208 provide text messaging and also premium text message functionality. Such messages are sent via the mobile carrier's infrastructure to its mobile subscribers and, internal to the mobile carrier's infrastructure, the sending of such a message generates a billing event according to a particular tariff rate, which then is added to the subscriber's bill from that mobile carrier.
• Whenmobile community platform202 sends a message via a mobile carrier system (e.g.,204), it is billing the subscriber-recipient of the message using the existing billing system of that mobile carrier. The billing event is often a micro-transaction of a small monetary amount (e.g., less than one dollar). Thus, a user (e.g.,212) of the mobile community platform may purchase a service or content withinmobile community platform202 and be billed for those transactions through that user's mobile carrier service account. The present invention provides for such micro-transaction billing support throughmobile community platform202 for a transaction between a user (e.g.,212) and a third party provider (e.g.,231) which is external tomobile community platform202. In this manner, a third party provider need only communicate withmobile community platform202 to conduct transactions with users, and does not require any affiliation or agreement with the various mobile carrier systems of the users.
• FIG. 3 depicts a more detailed view ofmobile community platform202. As mentioned above,mobile community platform202 can be used to conduct micro-transactions in which a mobile carrier's billing system is used bymobile community platform202 to automatically bill the user for each micro-transactions with a third party provider, without the need for a negotiation or contract between the third party provider and the mobile carrier. An example of this feature is a third party provider that operates a website which offers sports score updates to users ofmobile community platform202 for a predetermined price, while taking advantage of the billing arrangements already in place betweenmobile community platform202 and themobile carriers204,206,208. Of course, a third party provider may provide other types of content, products and services to users ofmobile community platform202.
• Turning toFIG. 3,mobile community platform202 includesmultimedia messaging system302,user area304, which supports content, community and commerce functions for the users, including website interface for users tomobile community platform202, andintermediary billing interface306. The details of these different components are more fully explained below.
• As noted earlier,users212,214,216 can visituser area304 ofmobile community platform202 in order to participate in an online-based community of users that includes various communication, content and commerce opportunities. The user accesses a website ofuser area304 through the user's web browser that may be hosted on a laptop or desktop computer, or, in the alternative, even on the user's mobile device such as a PDA or mobile phone. In this regard,user area304 includes a web server that communicates withusers212,214,216 and includes a data store (database) of user information and other content. With these resources,mobile community platform202 is able to present a profile page (“home page”) to a user (e.g.,212) that reflects a set of content, information and products associated with, and desired by, that particular user. This set of content, information and products is not maintained on the local computer being used by theuser212 but, rather, is maintained and managed by the computing environment ofmobile community platform202. Although not explicitly depicted inFIG. 3, one of ordinary skill will recognize that there are numerous functionally equivalent techniques to create, manage, store and serve user information, user profiles, user content, software tools and other resources within theuser area304. Included in these techniques are methods to ensure security, data integrity, data availability and quality of service metrics.
• Multimedia messaging system (MMS)302 includes applications for connecting with and communicating with the multiple differentmobile carriers204,206,208 that have been partnered withmobile community platform202.MMS302 is configured to generate message requests in the appropriate format for each of themobile carriers204,206,208 including tariff information that determines the amount for which the recipient of the message will be charged. Upon receipt of the message request, themobile carriers204,206,208 will use the information in the request to generate an appropriate message to the intended recipient/subscriber of the mobile carrier and then bill the recipient/subscriber's mobile service account for that specified amount. In this manner,mobile community platform202 uses the mobile carriers to bill user/subscribers of the mobile carriers for transactions conducted throughmobile community platform202.
• TheMMS302 communicates with theuser area304, such that users ofmobile community platform202 can advantageously use the connectivity betweenMMS302 and themobile carriers204,206 and208 in order to send messages to subscribers of any of themobile carriers204,206,208. The messages may be SMS messages, MMS messages, or other known message formats or subsequently developed message formats. Some of these messages may have zero tariff and, therefore do not generate a bill to the recipient/subscriber (other than the underlying charges implemented by the mobile carrier) and others may have non-zero tariffs resulting in a billing event for the recipient/subscriber.
• Intermediary billing interface306 provides an interface betweenthird party providers231,232 and233 andmobile community platform202 for enabling transactions between such third party providers andusers212,214 and216, through the use of sending messages to the users as a billing mechanism. In this regard,intermediary billing interface306 is accessed by the third party providers via network connection210 (internet). As seen inFIG. 3,intermediary billing interface306 is in communication withuser area304, both of which are in communication withMMS302. Accordingly,intermediary billing interface306 can access user information fromuser area304, such as whether the user is registered and verified for billing through their mobile phone number, as discussed more fully below.Intermediary billing interface306 can interface withuser area304 to communicate with a user, such as via webpages supported byuser area304, for purposes of registering the user withmobile community platform202 and verifying the user for billing of transactions related to a product offered through a third party provider, as also discussed in more detail below.
• As seen inFIG. 3,intermediary billing interface306 also includeslocal database310 which is used byintermediary billing interface306 to store customer identification codes, third party provider identification codes, and other information for implementing the present invention. Accordingly,third party providers231,232 and233 can interact with all users of themobile community platform202 whereby billable transactions withusers212,214,216 are automatically billed to the users via the billing systems of theirmobile carriers204,206,208. Furthermore, and importantly, this capability is available to the third party providers without requiring them to negotiate or contract with any of the mobile carriers for billing arrangements, or to worry about how to communicate with a particular mobile carrier's systems and resources. The third party providers seamlessly take advantage of the unified set of connectivity and billing arrangements that exist betweenmobile community platform202 and themobile carriers204,206,208. As a result, the third party providers may conduct transactions with users/subscribers of any of a variety of different mobile carriers without easily and efficiently throughmobile community platform202.
• FIG. 4 is a flowchart that provides an exemplary depiction of the registration and activation of a customer for transaction billing in one embodiment of the invention. The process starts inFIG. 4 and proceeds to step40 I in which it is determined whether the customer (e.g. one ofusers212,214 and216) is initiating a transaction for a product at a third party provider, such as one ofthird party providers231,232 and233, or is initiating a transaction for a product offered by the third party provider atmobile community platform202, which acts as the intermediary billing system in either case. If the customer is initiating the transaction atmobile community platform202, then the process proceeds to step405 which is discussed further below. On the other hand, if the customer is initiating the transaction at the third party provider, then the process proceeds to step402 in which the third party provider determines if the customer is already registered as a customer with the third party provider. If the customer is already registered with the third party provider, then the process proceeds to step404. If not, then the process proceeds to step403 in which the customer registers with the third party provider, such as by providing the customer's name and contact information, and in which the third party provider generates a unique customer identification code corresponding to that customer. Of course, it should be appreciated that the third party provider can use any form of registration process and may not necessarily require the customer to provide any specific information, in which case the third party provider simply generates and assigns a unique customer identification code to that customer. In this regard, the third party provider maintains a database of its registered customers, and their corresponding customer identification numbers and information. The customer identification number will be used in the invention for common tracking of the same customer between the third party provider and the intermediary billing system ofmobile community platform202.
• Instep404, the third party provider directs the customer tomobile community platform202 along with a registration request to register and activate the customer, the request including the customer identification code for the customer. Next, instep405, the registration and activation steps for the customer begin by the mobile community platform202 (intermediary billing system) determining if the customer is already registered as a member ofmobile community platform202. If the customer is already registered withmobile community platform202, then the process proceeds to step407. If not, then the process proceeds to step406 in which the customer registers withmobile community platform202, such as by providing the customer's name and contact information, including the customer's mobile phone number, which is used bymobile community platform202 in the invention to bill the customer for the transaction.
• If it was determined instep401 that the customer is originating the transaction atmobile community platform202, thenmobile community platform202 also generates a unique customer identification code for the customer. Also in the registration process,mobile community platform202 stores the customer identification code for the customer in a database of registered customers, along with related information, maintained inmobile community platform202, and activates the customer's mobile phone number for transaction billing as described below.
• Continuing with the registration and activation process, themobile community platform202 generates a verification code for the registration/activation of the customer, and directs the customer back to the third party provider along with the verification code, the customer identification code, and possibly other information, instep407. Next, instep408, the third party provider sends a verification code validation request tomobile community platform202, the request including the verification code for the customer, to make sure that the third party provider andmobile community platform202 are in agreement on the customer identification code to be used for the customer, and that the customer is registered and activated for the transaction in both the third party provider and themobile community platform202. In this regard, the term “activated” means that themobile community platform202 has enabled the customer associated with the assigned customer identification code to be billed for transactions, such as through the customer's mobile phone number, or through some other external billing mechanism used bymobile community platform202.
• Instep409,mobile community platform202 determines whether the verification code received in the verification code validation request from the third party provider is valid by comparing it to the verification code stored in the database ofmobile community platform202 for that customer identification code. If the two codes match, then the verification code is valid, andmobile community platform202 sends a confirmation reply to the third party provider instep411 to confirm that the verification code is valid. If the two codes do not match, then the verification code is not valid, andmobile community platform202 sends an error reply to the third party provider instep410 to advise that the verification code is not valid. The registration and activation process for the customer between the third party provider andmobile community platform202 is then complete and ends.
• In an exemplary embodiment of the invention, HTTP and XML are used to communicate between the third party provider and intermediary billing system ofmobile community platform202 in the steps described above. In particular, the registration request instep404 is implemented with an HTTP POST, and can be passed with the following parameters:
• • ActionCode: 1 means to activate the customer;
    • 2 means to confirm the verification code;
  • PartnerID: Assigned by mobile community platform to uniquely identify the third party provider (partner);
  • ProductID: Assigned by mobile community platform to uniquely identify the particular product involved in the transaction;
  • CustomerID: Customer identification code for the customer;
  • FirstName: First name of customer;
  • LastName: Last name of customer;
  • EmailAddress: Email address of customer;
  • Birthdate: Birthdate of customer;
  • Gender: Gender of customer;
    Preferably, the ActionCode, PartnerID, ProductID, and CustomerID are required parameters.
• An example of HTML for the registration request is shown below in Table 1:

• TABLE 1
  <html>
  <head>
  <script type=“text/javascript”>
  function frmSubmit( ) {window.document.form1.submit( );}
  </script>
  </head>
  <!-- Auto submit when body loads. -->
  <body LANGUAGE=“JavaScript” onload=“return frmSubmit( )”>
  <form
  id=“form1”
  name=“form1”
  action=“http://www.sms.ac/Directory/ppcoptin.aspx”
  method=“POST”>
  <input type=“hidden” name=“action” value=“1”>
  <input type=“hidden” name=“PartnerId” value=“1234”>
  <input type=“hidden” name=“ProductId” value=“5678”>
  <input type=“hidden” name=“CustomerId” value=“test_user_01”>
  <input type=“hidden” name=“FirstName” value=“John”>
  <input type=“hidden” name=“LastName” value=“Smith”>
  <input type=“hidden” name=“EmailAddress”
  value=“js@ExampleEmail.com”>
  <input type=“hidden” name=“BirthDate” value=“05/21/1977”>
  <input type=“hidden” name=“Gender” value=“M”>
  </form>
  </body>
  </html>

• Similarly, an HTTP POST is used instep407 in whichmobile community platform202 directs the customer back to the third party provider along with the verification code, and the same parameter fields as discussed above. The URL to which the customer is directed back to is specified by the third party provider. An example of HTML for the redirect ofstep407 is shown below in Table 2:

• TABLE 2
  <html>
  <head>
  <script type=“text/javascript”>
  function frmSubmit( ) {window.document.form1.submit( );}
  </script>
  </head>
  <!-- Auto submit when body loads. -->
  <body LANGUAGE=“JavaScript” onload=“return frmSubmit( )”>
  <form
  id=“form1”
  name=“form1”
  action=
  “http://www.MobilePartner.com/CustomeLandingPage.html”
  method=“POST”>
  <input type=“hidden” name=“VC” value=
  “EXAMPLE_VERIFICATION_CODE”>
  <input type=“hidden” name=“PartnerId” value=“1234”>
  <input type=“hidden” name=“ProductId” value=“5678”>
  <input type=“hidden” name=“CustomerId” value=“test_user_01”>
  <input type=“hidden” name=“FirstName” value=“John”>
  <input type=“hidden” name=“LastName” value=“Smith”>
  <input type=“hidden” name=“EmailAddress”
  value=“js@ExampleEmail.com”>
  <input type=“hidden” name=“BirthDate” value=“05/21/1977”>
  <input type=“hidden” name=“Gender” value=“M”>
  </form>
  </body>
  </html>

• In the same manner, the confirmation request of the verification code instep408 is sent from the third party provider using an HTTP POST or an HTTP GET directly between the third party provider andmobile community platform202, without involving the customer's browser. The parameter for ActionCode is set to “2” for customer confirmation. An example of HTML for the confirmation request ofstep408 is shown below in Table 3:

• TABLE 3
  <html>
  <head>
  <script type=“text/javascript”>
  function frmSubmit( ) {window.document.form1.submit( );}
  </script>
  </head>
  <!-- Auto submit when body loads. -->
  <body LANGUAGE=“JavaScript” onload=“return frmSubmit( )”>
  <form
  id=“form1”
  name=“form1”
  action=“http://www.sms.ac/Directory/ppcoptin.aspx”
  method=“POST”>
  <input type=“hidden” name=“action” value=“2”>
  <input type=“hidden” name=“vc”
  value=“EXAMPLE_VERIFICATION_CODE”>
  <input type=“hidden” name=“PartnerId” value=“1234”>
  <input type=“hidden” name=“CustomerId” value=“test_user_01”>
  </form>
  </body>
  </html>

• In this regard, the result for the confirmation request is written bymobile community platform202 as plain text to the output stream, and the possible return values for the result of the confirmation request are:
• • “Success: #CustomerID# has been verified”
  • “Error: bad ‘CustomerID’: #CID#”
  • “Error: bad ‘vc’: #VC#”
  • “Error: bad PartnerID': #PID#”
  • “Error: could not verify ‘CustomerID’: #CID#” or ‘PartnerID’: #PID#”
• FIG. 5 is a flowchart that depicts the processing of a billing request for a transaction according to an exemplary embodiment, after the registration and activation process described above has been completed successfully. InFIG. 5, the process starts and proceeds to step501 in which the customer initiates a billing event by requesting the product, such as premium content or services, for which the third party was registered and/or activated as described above with respect toFIG. 4. Instep502, the third party provider generates a billing request that includes the customer identification code, a product identification code for the product that is the subject of the transaction, and a provider identification code of the third party provider. Other parameters may also be included in the billing request.
• Next, instep503, mobile community platform202 (intermediary billing system) receives the billing request described above and then performs validation of the billing request instep504. The validation of the billing request is performed by determining whether the customer identification code in the billing request corresponds to a customer in the database ofmobile community platform202, and by determining whether the provider identification code in the billing request corresponds to a valid third party provider in the database ofmobile community platform202. If it is determined instep505 that the billing request validation result is not valid, then the process proceeds to step506 in whichmobile community platform202 sends an error reply to the third party provider, upon which the third party provider may refuse access to the product by the customer.
• On the other hand, if it is determined instep505 that the billing request validation result is valid, then the process proceeds to step507 in whichmobile community platform202 sends at least one message, such as a premium SMS or other type of billable message, to the mobile phone number associated with the customer identification code in the database ofmobile community platform202. The message is sent frommobile community platform202 through the carrier for the customer's mobile phone number, so that a billable amount associated with the message is billed to the customer's account with the carrier. In this manner, the transaction for a product between the customer and the third party provider is easily supported bymobile community platform202 through the use of billable messages sent to the customer. The billing request from the third party provider may include a message text string which is then included in the message sent frommobile community platform202 to the customer's mobile phone number. Such a text string may be used by the third party provider to thank the customer for the purchase, and possibly to confirm the details of the purchase, such as the product identification, the transaction price, etc.
• Instep508,mobile community platform202 sends a confirmation to the third party provider that the customer was billed, upon which the third party provider may enable access to the product by the customer. The billing process ofFIG. 5 then ends.
• Similar to the registration and activation process, the billing request of the invention may be formatted as XML and transmitted via an HTTP POST to a target URL set bymobile community platform202. The POST parameter name is AMU, which is an XML string that contains the following fields:
• • CommunityID: Root XML tag;
  • Authentication: Tag denotes the authentication section of the document;
  • TransmissionID: Unique identifier for the transmission;
  • PartnerID: Unique identifier for the third party provider (partner);
  • UserID: Community member name;
  • Password: Password of community member;
  • ProductID: Unique identifier for the product;
  • MessageText: Text to be included in premium message; and
  • CustomerID: Customer identification code for the customer.
• Preferably, all of the above fields are required. An example of the XML for the billing request is shown below in Table 4:

• 	TABLE 4
  	<?xml version=“1.0” encoding=“utf-16”?>
  	<SMSac xmlns=“http://tempuri.org/SMSacXMLSample.xsd”>
  	<TransmissionId>234032832</TransmissionId>
  	<Authentication>
  	<MobilePartnerId>TestMPID</MobilePartnerId>
  	<!--Required; Mobile Partner Username -->
  	<UserId>TestUserID</UserId>
  	<!--Required; SMS.ac Member Name -->
  	<Password>Password1</Password>
  	<!--Required; Password of your sms.ac account -->
  	</Authentication>
  	<UserOriginatedMessages>
  	<UserOriginatedMessage>
  	<ProductId>5678</ProductId>
  	<!--Required; The ID of the Mobile Product -->
  	<MessageText>
  	Thank you for using www.MobilePartner.com
  	</MessageText>
  	<!--Required; The Text of the Message -->
  	<CustomerId>test_user_01</CustomerId>
  	<!--Required; The Customer that is to be charged -->
  	</UserOriginatedMessage>
  	</UserOriginatedMessages>
  	</SMSac>

  
  and an example XSD for the request is shown below in Table 5:

• TABLE 5
  <?xml version=“1.0”?>
  <xs:schema id=“NewDataSet” targetNamespace=“sms.ac”
  xmlns:mstns=“sms.ac”
  xmlns=“sms.ac” xmlns:xs=“http://www.w3.org/2001/XMLSchema”
  xmlns:msdata=“urn:schemas-microsoft-com:xml-msdata”
  attributeFormDefault=“qualified” elementFormDefault=“qualified”>
  <xs:element name=“SMSac”>
  <xs:complexType>
  <xs:sequence>
  <xs:element name=“TransmissionId” type=“xs:int”
  minOccurs=“1” maxOccurs=“1”/>
  <xs:element name=“Authentication” minOccurs=“1”
  maxOccurs=“1”>
  <xs:complexType>
  <xs:sequence>
  <xs:element name=“MobilePartnerId” type=“xs:int”
  minOccurs=“1” maxOccurs=“1” />
  <xs:element name=“UserId” type=“xs:string”
  minOccurs=“1” maxOccurs=“1” />
  <xs:element name=“Password” type=“xs:string”
  minOccurs=“1” maxOccurs=“1” />
  </xs:sequence>
  </xs:complexType>
  </xs:element>
  <xs:element name=“UserOriginatedMessages” minOccurs=“0”
  maxOccurs=“1”>
  <xs:complexType>
  <xs:sequence>
  <xs:element name=“UserOriginatedMessage”
  minOccurs=“0” maxOccurs=“unbounded”>
  <xs:complexType>
  <xs:sequence>
  <xs:element name=“ProductId” type=“xs:int”
  minOccurs=“1” />
  <xs:element name=“MessageText”
  type=“xs:string” minOccurs=“1” />
  <xs:element name=“CustomerId”
  type=“xs:string” minOccurs=“1” />
  <xs:element name=“ChargeType”
  default=“Premium”>
  <xs:simpleType>
  <xs:restriction base=“xs:string”>
  <xs:enumeration value=“Premium”/>
  <xs:enumeration value=“Standard”/>
  </xs:restriction>
  </xs:simpleType>
  </xs:element>
  </xs:sequence>
  </xs:complexType>
  </xs:element>
  </xs:sequence>
  </xs:complexType>
  </xs:element>
  </xs:sequence>
  </xs:complexType>
  </xs:element>
  <xs:element name=“NewDataSet” msdata:IsDataSet=“true”
  msdata:EnforceConstraints=“False”>
  <xs:complexType>
  <xs:choice maxOccurs=“unbounded”>
  <xs:element ref=“SMSac” />
  </xs:choice>
  </xs:complexType>
  </xs:element>
  </xs:schema>

• The possible response code for the billing request, include the error reply ofstep506 and the confirmation ofstep508 inFIG. 5. In this regard, the response codes are indicated of these replies are indicated by a “1” for success, and a “0” for failure (error). The response of “0” for failure can also include a failure message that provides a brief explanation of why the billing request failed.
• FIG. 6 is a flowchart which provides another exemplary embodiment of processing a billing transaction according to the invention. As seen inFIG. 6, the process starts and proceeds to step601 in which a customer initiates a billing event by selecting a product, such as premium content or services, offered through the third party provider. Then, instep602, the third party provider directs the customer to mobile community platform202 (intermediary billing system), along with a provider identification code for the third party provider and a product identification code for the product. This initiates the transaction activation process. In a particular embodiment, the customer is directed tomobile community platform202 through the use of a hyperlink.
• Instep603,mobile community platform202 determines whether the customer needs to login, and register if not already registered. The customer does not need to login if the customer is registered and has previously been successfully through this process for the same product. If the login or registration is required, the process proceeds to step605. On the other hand, if the login or registration is required, the process proceeds to step604 in which the customer logs in tomobile community platform202, or registers withmobile community platform202 as described above in the embodiment ofFIG. 4. Next, instep605,mobile community platform202 prompts the customer for a confirmation of an instruction to proceed with the transaction, and displays a description of the product (service or content) along with the price and possibly other information. Assuming the customer confirms the transaction, the process proceeds to step606, in whichmobile community platform202 generates an encrypted cookie that indicates the customer has “opted in” (purchased) the product, and can therefore skipsteps603 to606 in the future for transactions involving this particular product. The encrypted cookie is then placed in the customer's browser application.
• Instep607,mobile community platform202 bills the customer for the product by sending a premium message to the mobile phone number associated with the customer identification code for this customer in the database ofmobile community platform202. The billing value of the premium message corresponds to the transaction price for the product. In this manner,mobile community platform202 easily handles the billing, which may often be a micro-transaction, for third party provider through the use of premium messages and the existing relationships between various mobile carrier systems andmobile community platform202. Next, instep608,mobile community platform202 generates a verification code that indicates the customer has been billed for the transaction, encrypts the verification code, and places the encrypted verification code in a cookie on the customer's browser application. The verification code is also stored in the database ofmobile community platform202 in association with the customer identification code for this customer. Then customer is then directed back to the third party provider location (such as a website page) associated with the product of the transaction (this URL is specified by the third party provider).
• The third party provider then accesses the cookie from the customer's browser application and obtains the encrypted verification code. Instep609,mobile community platform202 receives a validation request from the third party provider, the validation request including a returned encrypted verification code that the third party provider obtained from the cookie in the user's browser, along with the customer identification code for this customer. Then, instep610,mobile community platform202 performs validation on the returned encrypted verification code by decrypting it and comparing it against the encrypted verification code that was previously generated bymobile community platform202 for this transaction, and confirming that the customer has been successfully billed for this transaction. If the verification code is validated bymobile community platform202, then flow passes to step612 in whichmobile community platform202 sends a valid response to the third party provider. If, on the other hand, the verification code is not validated bymobile community platform202, then flow passes to step611 in whichmobile community platform202 sends an error response to the third party provider. The third party provider then determines whether to provide the customer with access to the product based on the validation response received from mobile community platform202 (intermediary billing system). The process ofFIG. 6 then ends.
• It can be appreciated that the invention may be carried out in various embodiments, in which some of the above described aspects may not be included. In this regard,FIG. 7 depicts a billing process according to another embodiment of the invention, in which the intermediary billing system may be standalone and can process transaction requests from any source for a customer and transaction amount, by using various types of external billing mechanisms and billing event triggers. InFIG. 7, the process begins atstep701 in which mobile community platform202 (intermediary billing system) receives a transaction request, from any source internal or external tomobile community platform202, that is associated with a customer identification code and a predetermined transaction amount.Mobile community platform202 then performs validation of the transaction request instep702. The validation of the transaction request is performed by determining whether the customer identification code in the transaction request corresponds to a previously-registered and activated customer in the database ofmobile community platform202. If it is determined instep703 that the transaction request validation result is not valid, then the process proceeds to step704 in whichmobile community platform202 denies the transaction request, the customer is not billed, and the process ends.
• On the other hand, if it is determined instep703 that the transaction request validation result is valid, then the process proceeds to step705 in whichmobile community platform202 sends a billing event trigger to an external billing mechanism in order to effectuate billing of the customer for the transaction amount. The billing event trigger is associated with the customer identification code, and may actually contain the customer identification code, so that the external billing mechanism bills the correct customer for the transaction amount. The external billing mechanism can be any type of mechanism or system for billing the customer, such as the billing system of a mobile carrier for the customer's mobile phone (as discussed above), a credit card billing system, a prepaid card billing system, a web-based payment system, a bank account billing system, or any other billing system or mechanism to whichmobile community platform202 can interface and direct a billing event trigger for a customer.Mobile community platform202 can simultaneously use several different external billing mechanisms, and may use one or several of them for each customer depending on the type of third party providers with which the customer conducts transactions. Accordingly,mobile community platform202 acts as a virtual point-of-sale for third party providers to enable the payment for transactions through the use of one or more external billing mechanisms with whichmobile community platform202 has a pre-existing relationship for authorized use of the external billing mechanisms.
• Similarly, the billing event trigger can be one of many different types and formats, depending on the external billing mechanism to which the billing event trigger is sent for the customer, and the pre-existing arrangement (if any) thatmobile community platform202 has with the external billing mechanism. For example, in the case that the external billing mechanism is the billing system of the mobile carrier corresponding to the customer's mobile phone number, then the billing event trigger can be a message, such as a premium SMS, MMS, or other type of billable message, that is sent frommobile community platform202 to the customer's mobile phone number through the mobile carrier. In the alternative, other types of billing event triggers can be used with the external billing mechanism. For example, the billing event trigger sent to the mobile carrier billing system can be a billing record file which contains the transactions for a customer that will then be added to the customer's carrier bill by the mobile carrier billing system. As mentioned above, other types and forms of billing event triggers that can be used bymobile community platform202 include messages such as SMS, MMS, email, file transfers, XML, HTTP, billing record transfers, or any other type of communication supported by the internet, encrypted or unencrypted.
• The transaction request from the third party provider may include a message text string which is then included in the message sent frommobile community platform202 to the customer's mobile phone number. Such a text string may be used to thank the customer for the purchase, and possibly to confirm the details of the purchase, such as the product identification, the transaction price, etc. The process ofFIG. 7 then ends. It can be appreciated that the general billing system depicted inFIG. 7 provides a powerful, efficient and convenient way with which to bill customers for various types of transactions by using an existing interface betweenmobile community platform202 and one or more external billing mechanisms.
• While the present invention has been particularly described above with reference to the various figures and embodiments, it should be understood that the invention is not limited to the above-described embodiments. Various changes and modifications may be made to the invention by those of ordinary skill in the art without departing from the spirit and scope of the invention.

Claims (1)

1. A method for billing a customer for a transaction between the customer and a third party provider, the method including:

a registration request receipt step of receiving, at the intermediary billing system, a registration request to register the customer;

a customer registration step of registering the customer in the intermediary billing system by providing a mobile phone number of the customer to the intermediary billing system, assigning a customer identification code to the customer, the customer identification code being shared with the third party provider, and associating the mobile phone number of the customer with the customer identification code assigned to the customer;

a billing request receipt step of receiving, at the intermediary billing system, a billing request from the third party provider, the billing request including a product identification code corresponding to a product associated with the transaction between the customer and the third party provider, a customer identification code assigned to the customer and a provider identification code corresponding to the third party provider;

a billing validation step of validating, in the intermediary billing system, the billing request by determining whether the customer identification code corresponds to a customer that is registered with the intermediary billing system, and by determining whether the provider identification code corresponds to a valid third party provider; and

a billing step of sending, in the case that the billing request is validated, at least one billable message from the intermediary billing system to a mobile phone number associated with the customer identification code, the at least one message representing a billing value that corresponds to the product identification code.

Images