US20130144789A1 - Method and system for managing credits via a mobile device - Google Patents

Abstract

System and method for delivering upon request credits having monetary value to a mobile device using a communications network. An account of available credit for the user of the mobile device is maintained and authorization to issue credit is generated when a request for credit for the mobile device is received and there is available credit in the account associated with the mobile device equal to or greater than the requested credit. Credit may be offset, or sponsored, by one or more token providers and issued to the user, upon authorization, to enable the user to use the mobile device to purchase items, e.g., at a point of sale terminal.

Description

FIELD OF THE INVENTION
• The present invention relates generally to methods and systems for payment of goods and services, and the issuance of credits toward the payment of goods and services, via a mobile device.
BACKGROUND OF THE INVENTION
• Usage of cellular or mobile telephones is very popular and common. In a typical arrangement for use of a mobile telephone, a user subscribes to a mobile telephone service offered by a mobile telephone operator or carrier and enters into a pre-paid or post-paid plan with the mobile telephone operator. A pre-paid subscription plan is usually an arrangement where the user pays in advance for the telephone services to be used over a future period of time. A post-paid subscription plan is usually an arrangement where the user pays for the telephone services after using the services.
• The services available using the mobile telephone may be voice services (i.e., making and receiving telephone calls), messaging services such as Short Message Service (SMS), Multimedia Message Service (MMS), data services such as Internet browsing or Wireless Application Protocol (WAP) browsing, video calls, downloading content, streaming content, purchasing applications such as games or other software, using location, guidance or navigation services, finding information, and communicating with a group of people and others.
• Mobile telephones can also be used as a payment method in point of sales transactions. One example of such usage involves use of the near field communication (NFC) capabilities of a mobile telephone to use it as credit card in the point of sales transaction.
• On the other hand, instead of being used to pay for goods and services, a mobile telephone can receive coupons for discounts which may be used in a point of sales transactions conducted using the mobile telephone or otherwise, and free samples which may be received using the mobile telephone or otherwise. In this regard, reference is made to International Publication No. WO 2007/060451.
SUMMARY OF THE INVENTION
• The present invention is directed at least in part to a method and system for providing credits, vouchers or coupons representative of monetary value to users of mobile devices such as mobile telephones, as set forth in the appended claims. The users of the mobile telephones are able to use the monetary value of the credits to purchase goods and/or services at e.g. point of sale terminals and the like.
BRIEF DESCRIPTION OF THE DRAWINGS
• The invention, together with further objects and advantages thereof, may best be understood by reference to the following description taken in conjunction with the accompanying drawings, wherein like reference numerals identify like elements, and wherein:
• FIG. 1 is a schematic of an exemplifying architecture of a first embodiment of a credit delivery system in accordance with the invention.
• FIG. 2 is a schematic of an exemplifying architecture of a second embodiment of a credit delivery system in accordance with the invention.
• FIG. 3 is a schematic of an exemplifying architecture of a third embodiment of a credit delivery system in accordance with the invention.
DETAILED DESCRIPTION OF THE INVENTION
• Referring to the accompanying drawings wherein the same reference numerals refer to the same or similar elements,FIG. 1 shows an architecture of an embodiment of a mobile payment system in accordance with the invention which is designated generally as10.
• System10 may be implemented to provide credits having monetary value to mobile devices12 (only one of which is shown inFIG. 1) and thus can be considered to be independent of themobile devices12, i.e., not include the mobile devices. On the other hand, the invention also encompasses a system for enabling users ofmobile devices12 to receive credits having monetary value which would be inclusive of the mobile devices. In the latter case, the users may be required to view advertisements in exchange for the credits.
• Themobile devices12 may be any form of mobile terminal such as a mobile telephone, a multimedia computer, a personal digital assistant (PDA), a laptop computer or a personal computer.
• Mobile devices12 are arranged to use acommunications network14 to communicate with other elements of thesystem10 described below.Communications network14 can utilize any cellular network technologies which include, but are not limited to, GSM, WCDMA, CDMA, GPRS. In addition to traditional cellular networks, local area networks such as Wireless Local area networks (WLAN), BlueTooth (BT) and other technologies such as WiMax, Broadcasting over DVB-H, ISDB-T, DMB or broadcasting over cellular can be used. Thecommunications network14 can also be a generic Internet access network using any data transport methods. Moreover, thecommunications network14 may be any cellular, broadcast, wide area, local area or Internet network.Communications network14 can also be a combination of different communications networks such as a Wireless Local Area Network (WLAN) and a Wideband Code Division Multiplex (WCDMA) network.
• Subscribers to the mobile telephone operator using themobile devices12 can use the same communications network or another communications network as thecommunications network14 being used to receive credits, i.e., a hybrid network is possible.
• In a preferred embodiment, thecommunications network14 is a cellular network and themobile device12 is a mobile telephone.
• System10 also includes abilling system16 operatively coupled to thecommunications network14 or specific parts thereof, and may be arranged to maintain an account of available money for each mobile device. Further,billing system16 may be arranged to monitor and/or meter usage of thecommunications network14 by eachmobile device14 and monitor and/or meter usage and payments of or for the advertisements being delivered to eachmobile device12. Thebilling system16 may be a real-time billing system or a close-to-real-time billing system. Thebilling system16 or other suitable means associated with thesystem10 can thus arrange for payment from users of themobile devices12 based on their usage of thecommunications network14. Payment may be pre-paid, i.e. the user has paid for the service before using the communications network and the billing system monitors and reduces the paid amount in the user's account based on usage. Alternatively payment may be post-paid and a billing system monitors usage of the communications network and the user pays for the services after usage. Usage of thecommunications network14 may entail voice services, messaging services (Short Message Service, Multimedia Message Service, Instant Message Service, Electronic mail services), video telephony services, push-to-talk services, data services such as Internet or Wireless Application Protocol (WAP) browsing services, content usage (television, radio, video) services, download services, premium SMS (pSMS) service, among others.
• In one embodiment of the invention,billing system16 meters usage of the services by each user and compares the metered usage with a free or subsidized balance allocated to each user. In this manner, although invoices are not sent to the users, the metered usage is compared with business rules associated with the users and the cost for providing the free or subsidized services to the users is invoiced directly or indirectly from advertisers. Other techniques to provide subsidized or free telephone services to the users are also envisioned. For subsidized telephone services, the users may be responsible for a portion of their usage and thus they would be interested in eliminating unnecessary use of such telephone services.
• System10 also includes awallet service server18 which in one embodiment, is a computer system running the wallet service, described below. Walletservice server18 communications with themobile devices12 via thecommunications network14, and is operatively coupled to thebilling system16.
• In conjunction with thesystem10, there may be one or more provisioning systems in the form oftoken providers20 which provide tokens which can be used to offset some of the mobile service such as voice or messaging, or a token provider can be an advertiser which, in exchange for offsetting a portion of the mobile service being provided to users of themobile devices12, sends advertisements viacommunications network14 to the users' mobile devices (additional details of this feature are described below). Atoken provider20 may also be a party which wants to offset some specific payments to users ofmobile devices12. Eachtoken provider20 is provided with access via a computerprogram operating system10 to thebilling system14 and thewallet service server18.Billing system14 would manage the payments from each token provider for whatever credits or services their tokens are designated to offset, or sponsor.
• Regardless of the nature of the sponsorship provided by token provider(s)20, eachtoken provider20 will cause credits or services, or possibly other items of value, to be provided to the users'mobile devices12. As such, it should be understood thatsystem10 may be implemented to provide the credits or services arising from sponsorship by token provider(s)20 tomobile devices12 and thus can be considered to be independent of the token provider(s)20, i.e., not include the token provider(s)20 or themobile devices12. On the other hand, the invention also encompasses a system for enabling token providers to offset delivery of credits or services, or possibly other items of values, to users ofmobile devices12 to receive credits or services, and this system would be inclusive of the token provider(s)20 andmobile devices12.
• Issuer22 is a party which can issue vouchers, coupons or mobile credits for themobile devices12. Theissuer22 can issue the credits using any of the techniques disclosed in International Publication No. WO 2007/060451, incorporated in its entirety by reference herein. In one such technique,issuer22 issues a code which is delivered to themobile device12, e.g., via thewallet service server18 and possibly also via thebilling system16. This code, in practice, works as a coupon which can be used in or by a point of sales (POS)terminal24. The code is used in or by thePOS terminal24 to verify the amount of credit associated with the code. Thus, thePOS terminal24 sends the code to issuer22 so thatissuer22 can verify and provide a verification message to thePOS terminal24. When a positive verification message is received by thePOS terminal24, the user of themobile device12 is granted the value of the issued coupon for consideration by thePOS terminal24.
• The token provider(s)20 is operatively connected to theissuer22 to enable eachtoken provider20 to authorize issuance of credits to the users'mobile devices12. Theissuer22 is also operatively coupled to thebilling system16 to coordinate payment for the credits, i.e., allocate payments for the credits to thedifferent token providers20. Theissuer22 is also operatively coupled to thewallet service server18 to provide the credits to themobile devices12.
• There are several ways to usesystem10 to enable a user of amobile device12 to receive and use an electronically provided credit, which is being considered equivalent to a voucher or coupon. In one embodiment, a user of themobile device12 sends a request for a credit having monetary value (message S1 inFIG. 1). The request can be short message service (SMS) message sent overcommunications network14 or a Multimedia Message Service (MMS) message. The request can also be a premium SMS message with a specific monetary value sent to a specific number. Further, the request can be, for example, a Web or Wireless Application Protocol (WAP) session between thewallet service server18 and themobile device12. In addition, the request can be generated by a special application running in themobile device12. This special application can be, for example, Java, Symbian or, an application running in Subscriber Identity Module. (SIM application). Other forms of requests, and applications for generating such requests are also envisioned.
• The message S1 indicating a request for a credit having monetary value is analyzed by thewallet service server18. Thewallet service server18 communicates withbilling system16, message S2, to determine whether the user of themobile device12 which generated the request message S1 has a credit in their account maintained by thebilling system16. The credit in each account can be so called pre-paid credit, i.e., existing and available money, or it can be post-paid credit. For pre-paid credit, the requested amount of money is deducted from the amount in the pre-paid account. For post-paid credit, the requested amount of money will be invoiced later.
• In the embodiment described above, thewallet service server18 communicates with thebilling system16 to ascertain whether the user requesting credit has available credit in their account (pre-paid credit) or the ability to draw on a line of credit (post-paid credit). In an alternative embodiment, thewallet service server18 communicates with theissuer22, or even possibly with a third party such as a bank or credit card company (not shown inFIG. 1) to ascertain whether theissuer22 or third party has an account with pre-paid or post-paid credit for the user of themobile device12 requesting credit.
• Regardless of which technique is used to ascertain the availability of credit to the user of themobile device12 requesting credit, when there is sufficient credit, i.e., in the account maintained by thebilling system16 or by the third party such as a bank or credit card company, this causes a process of generating and delivering a code to be used to confirm the transaction. The code is typically generated by theissuer22, as in prior art techniques. In one embodiment of the invention, the code corresponds to the monetary value of the requested credit or the monetary value of the premium SMS sent from themobile terminal12 to thewallet service server18. The monetary value can be less then, equal to or more than the requested amount of credit depending on possible transaction fees and also on the existence and nature of possibletoken providers20 of the credit request.
• Once generated, the code to be used in thePOS terminal24 is delivered to themobile device12 by message S3.
• Once the message S3 is received by themobile device12, a computer program in themobile device12 can enable the user of themobile device12 to obtain money or items, tangible or intangible, having monetary value using thePOS terminal24. In one embodiment, message S3 is readable by the user, e.g. by displaying the message to the user as a text message, and the user may use the code by entering the code at the POS terminal using numeric keys at the POS terminal. ThePOS terminal24 validates the code from theuser12, for example, using prior art techniques.
• In some embodiments of the invention, thetoken provider20 may be another subscriber to the mobile telephone operator, such as a friend or a parent of the user of themobile device12. Thus, in the embodiment shown inFIG. 2, a user ofmobile device12 sends a message to atoken provider20, e.g., his mother, to ask her to give him some money (message S11) in order to, for example, buy an ice cream from a shop. Alternatively, the user ofmobile device12 may asktoken provider20 to give him an authorization/credit to buy a certain item via message S11. The item sought to be purchased may be identified in message S11 using different means like an ISBN number of a book or as a web link to a web site having information about the item (e.g., a link to a book in the Amazon.com web store), a key word, a bar code, or a bar code number.
• Upon receipt of message S11, e.g., by a mobile device of thetoken provider20, a computer program in the mobile device of thetoken provider20 would be arranged to enable the user thereof to connect withwallet service server18 to grant credit having a certain monetary value or credit for the item for the user of the mobile device12 (message S12). This may take the form of an authorization to allow a certain amount of credit from an account maintained by thebilling system16 to be used by the user ofmobile device12.
• Identification of an item may be implemented such that the user of themobile device12 contactstoken provider20 by sending, for example, a MMS message identifying an item sought to be purchased and disclosing or otherwise providing a bar code of the item (message S11). This bar code information may be then delivered to thewallet service server18, via message S12, by including a picture received in the message S11 or as a SMS message containing a bar code number.
• The connection between atoken provider20 and thewallet service server18 may be implemented in several ways, including as a SMS, MMS, using Web/WAP interface, or using a software application installed in the token provider's mobile device (an application in the mobile device will then manage the connection between the mobile device and thewallet service server18, e.g., using SMS or a data connection). Thewallet service server18 may then communicate with billing system16 (as inFIG. 1) to ascertain the availability of credit, as explained above.
• After the availability of credit to the user ofmobile device12 requesting such credit is checked and confirmed, thewallet service server18 notifies the user ofmobile device12 about the available credit (message S13), and the user can then proceed with a purchase as explained above with reference toFIG. 1.
• As shown inFIG. 3, an embodiment of the present invention also contemplates only indirect communications between the user of themobile device12 and atoken provider20. In this embodiment, the user of the mobile device communicates with thewallet service server18 to request credit (message S21) and thewallet service server18 forwards as such or as a modified request to a token provider identified in the message S21 by the user of themobile device12. In some embodiments, it is conceivable that the user does not know for certain whether there will be a token provider willing to partly or even fully cover the requested credit.Wallet service server18 then communicates with atoken provider20 advising the token provider of the user's request for credit and requesting a response as to whether thetoken provider20 is willing to provide some or all of the requested credit (message S22). Iftoken provider20 agrees to provide credit, a message S23 is sent bytoken provider20 to thewallet service server18 which proceeds to issue credit to the user and notify the user of the available credit (message S24), and possibly also notify the user of the identity of the token provider or sponsors of the credit. Alternatively the credit can be used to top-up the amount of credit in the user's account in thebilling system16. The available credit can be used by the user of the mobile device in the manner described above.
• The process by which thewallet service server18 identifies whether or not the token provider can provide some or all of the requested credit can involve the sending of a series of messages, in the form of a negotiation, or dialogue, between thewallet service server18 and thetoken provider20. For example, thetoken provider20 may respond, in message S23, with a message indicating an amount that thetoken provider20 is willing to provide. Thewallet service server18 can compare this amount with the amount of requested credit; if it is less than the amount of requested credit, thewallet service server18 can check the balance associated with the mobile device in thebilling system16, add this to the amount of credit thetoken provider20 has indicated it is willing to provide, and if there is a shortfall in the amount of available credit (i.e. a combination of that in thebilling system16 and the amount of credit agreed to be provided by the token provider20), thewallet service server18 could transmit a further request message (i.e. a repeat of message S21) to thetoken provider20 or another token provider. The amount of credit requested in the further request message will be less than that specified in the initial S21 message, but more than that offered by the token provider in message S23. It will be appreciated that this process can continue, iteratively, until thetoken provider20 has agreed to provide an amount that, together with the available credit in thebilling system16, equals the requested credit. If thetoken provider20 is unable to provide an amount of credit that would cover the shortfall, thewallet service system18 can coordinate similar requests between a plurality of differenttoken providers20 such that the requested credit is provided by a combination of different token providers20 (and/or including the billing system16).
• In one embodiment, atoken provider20 may be an entity or individual that wants to advertise products or services to customers participating in a mobile marketing arrangement, or an advertisement management system that is operated by, for example, an advertising delivery company. In exchange for providing credit to a user, the user would be required to be exposed to one or more advertisements.
• A token provider can thus refer to a brand owner, a service provider, an advertisement agent, a merchant or any other party that wants to provide advertisements to consumers. Advertisements can be commercial, such as a product or service promotion, or non-commercial, such as a general information service notification. A token provider may also be a company in the business of delivering advertisements from several advertisers, i.e., it is the intermediary between advertisers and the operators of advertisement distribution channels. Such a token provider would create an advertisement management system, which could be over an Internet interface, and includes tools for each advertiser to define rules of their advertisement campaign, i.e., to enable them to tailor the advertisement campaign to their specific desires. This may include reserving, programming and/or booking an advertising campaign via an Internet interface. Parameters which are determined include, but are not limited to, the time period or periods when to send advertisements, the duration of the advertising campaign, the target group or groups, demographics of the target group(s), the format or type of advertisement, the target price level or cost per advertisement or for the advertising campaign in its entirety, the sociological background of the target audience, demographics of the target group(s) including, for example, age, sex and income level(s), target telephone type, etc. In addition to determining the rules, each advertiser typically provides one or more actual advertisements in the form of data, text, pictures, video, audio, html-documents, links, television content, videos, HTML, xHTML, WAP pages, web pages, etc., or any digital content compatible for reception and display by the users'mobile devices12.
• The server including or interfacing with thebilling system16,wallet service server18 andissuer22 may also include a database containing information such as profiles of the users of themobile devices12. Alternatively, thewallet service server18 includes such a database. In this manner, each token provider could be provided with data about each user requesting credit (in the message from thewallet service server18 to the token provider20), determine which user or users they want to receive their advertisements as per their advertising campaign, and authorize credit only for the user or users. An advertisement-supported system for providing credit to users of mobile devices is therefore provided. In the arrangement in which the database is associated with thewallet service server18, the database could further include data identifying mobile devices and token providers registered in respect thereof. Thewallet service server18 could then perform an initial filtering of credit requests by querying the database in order to identify which, if any, of the available token providers the mobile device has registered with. In this way thewallet service server18 would only send user data to token providers with which the user associated with the requesting mobile device has registered. In a further arrangement thewallet service server18 is arranged to send the credit request to token providers with whom the user has registered, but without any user data. This arrangement is particularly useful in environments where the user data is maintained by a given token provider upon registration of the user and where data protection requires that the user data is not distributed beyond the token provider.
• Several computer programs resident on computer-readable media may be used in the invention. One computer program is resident in a server which controls or functions as thebilling system16,wallet service server18 andissuer22, and interfaces with themobile device12 via thecommunications network14 and with thetoken provider20, e.g., also via a communications network. This computer program enables users of mobile devices to request and receive credit, possibly from one or more token providers. In this regard, the designation of elements as abilling system16,wallet service server18 andissuer22 are for ease of explanation of the invention and it is envisioned that all of these elements can be combined in a single electronic component.
• In the context of this document, computer-readable medium could be any means that can contain, store, communicate, propagate or transmit a program for use by or in connection with the method, system, apparatus or device. The computer-readable medium can be, but is not limited to (not an exhaustive list), electronic, magnetic, optical, electromagnetic, infrared, or semi-conductor propagation medium. The medium can also be (not an exhaustive list) an electrical connection having one or more wires, a portable computer diskette, a random access memory (RAM), a read-only memory (ROM), an erasable, programmable, read-only memory (EPROM or Flash memory), an optical fiber, and a portable compact disk read-only memory (CDROM). The medium can also be paper or other suitable medium upon which a program is printed, as the program can be electronically captured, via for example, optical scanning of the paper or other medium, then compiled, interpreted, or otherwise processed in a suitable manner, if necessary, and then stored in a computer memory. Also, a computer program or data may be transferred to another computer-readable medium by any suitable process such as by scanning the computer-readable medium.
• One embodiment of a computer program in accordance with the invention which delivers upon request credits having monetary value to a mobile device using a communications network is arranged to maintain an account of available credit for the user of the mobile device (a function of the billing system16), receive a request for credit from themobile device12, ascertain whether there is available credit in the account associated with the mobile device equal to or greater than the requested credit (a function of the wallet service server18), generate an authorization to issue credit when there is available credit in the account (a function of the wallet service server18), issue credit in response to the authorization (a function of the issuer22), and notify the user of the mobile device via the communications network of the issuance of credit (a function of the wallet service server18).
• The same or a different computer program can maintain and manage both pre-paid credit accounts which have an available balance and post-paid credit accounts which require later payment. The computer program manages the pre-paid account such that the account is reduced by each amount of authorized credit.
• The same or a different computer program can also enable one or more token providers to provide available credit into the account of each user of a mobile device, and also manage payments from each token provider for credits they have provided.
• The same or a different computer program can also issue a code indicative of the issuance of a specific amount of credit and coordinate delivery of the code to the mobile device. As noted above, the code can be used by a point of sale terminal in order to verify the amount of credit associated with the code.
• The foregoing enables innovative and focused mobile marketing and advertising. Indeed, the popularity of mobile telephones has enabled their use, along with related infrastructure, as a media for providing mobile marketing, i.e., advertisements to the users of the telephones.
• This is important because such a concept is considered by advertisers as the next new channel to directly reach consumers since it utilizes core assets and characteristics of the mobile media, namely, it is personal in that it is directed solely to individual consumers, it is “always on” and can reach the consumers whenever they access their communications devices, it is mobile and naturally forms groups of people who communicate actively with each other. These characteristics combined with social networks—based approaches of the Internet could form a very powerful base to execute marketing strategies.
• In general, mobile marketing and advertising can be divided into the following four categories: mobile marketing, mobile advertising, mobile direct marketing and mobile customer relation management (CRM). The present invention in any of its forms discussed above is applicable to all categories.
• Mobile marketing is commonly considered as the systematic planning, implementing and control of a mix of business activities intended to bring together buyers and sellers for the mutually advantageous exchange or transfer of products or services where the primary point of contact with the consumer is via their mobile device.
• Mobile advertising is commonly considered as the paid, public, non-personal announcement of a persuasive message by an identified token provider as well as the non-personal presentation or promotion by a firm of its products to its existing customers and potential customers where such communication is delivered to a mobile telephone or other mobile device. Examples of mobile advertising include: Wireless Application Protocol (WAP) Banner ads, mobile search advertising, mobile video bumpers, and interstitial ads in or on device portals.
• Mobile direct marketing is commonly considered a sales and promotion technique in which promotional materials are delivered individually to potential customers via the potential customer's mobile telephone or other mobile device. Examples of mobile direct marketing include the sending of Short Message Service (SMS), Multimedia Message Service (MMS) or Wireless Application Protocol (WAP) push messages, Bluetooth messaging and other marketing to mobile telephones or other mobile devices.
• Mobile customer relation management is commonly considered as a combination of all the foregoing in a manner that establishes a long-term, engaging relationship between the customer and the marketing or promoting company.
• At present, mobile marketing and advertising is mostly based on push campaigns to opt-in a consumer mobile number in a database, or pull campaigns that acquire mobile telephone numbers from consumers. The most typical example of the pull campaign is the “text-to-win” campaign where, e.g., a soft drink bottle contains a short code to be sent via text message to a certain telephone number. In return, the consumer receives a notification if they have won with the selected marketing message, or a series of messages is broadcast to their mobile telephone. Other popular methods of direct advertisement are achieved using text and video messaging.
• Having described exemplary embodiments of the invention with reference to the accompanying drawings, it will be appreciated that the present invention is not limited to those embodiments, and that various changes and modifications can be effected therein by one of ordinary skill in the art without departing from the scope or spirit of the invention as defined by the appended claims. For example, while it is described that a mobile phone user will initiate a request for issuance of credits, it is foreseen that the initiation of requests can come from an advertiser or sponsor, wherein after receiving the request the system checks to determine if enough credits are present in a user's account to issue credits to the particular user.

Claims (33)

We claim:

1. A method comprising:

transmitting, from a mobile computing device, a credit request requesting that a sponsor authorize issuance of a credit having monetary value to the mobile computing device; and

receiving, at the mobile computing device, from an issuing server, the credit having monetary value, wherein the credit having monetary value is issued to the mobile computing device upon the sponsor authorizing the credit request and the user of the mobile computing device is notified upon receiving the credit.

2. The method ofclaim 1, wherein the credit having monetary value is debited from an account associated with the user of the mobile computing device.

3. The method ofclaim 1, wherein the credit having monetary value is debited from an account associated with the sponsor.

4. The method ofclaim 1, wherein the sponsor authorizes the credit having monetary value by transmitting an authorization message to the issuing server.

5. The method ofclaim 4, wherein the credit request is transmitted to a mobile computing device of the sponsor.

6. The method ofclaim 4, wherein the credit request is transmitted to the issuing server and the issuing server transmits a second credit request to a mobile computing device of the sponsor, wherein the credit request identifies the sponsor.

7. The method ofclaim 1, wherein the credit request includes data indicating a requested monetary amount.

8. The method ofclaim 7, wherein the credit request includes data identifying an on sale item, wherein the requested monetary amount is based on a purchase price of the on sale item.

9. The method ofclaim 8, further comprising:

entering a code associated with the on sale item, the code indicating the purchase price of the on sale item.

10. The method ofclaim 8, wherein entering the code comprises scanning the code.

11. The method ofclaim 1, further comprising:

transmitting, to a point of sale system, data indicative of the credit having monetary value to purchase an on sale item.

12. A mobile computing device, comprising:

a processor; and

a memory containing instructions that, when executed, cause the processor to:

transmit a credit request requesting that a sponsor authorize issuance of a credit having monetary value to the mobile computing device; and

receive, from an issuing server, the credit having monetary value, wherein the credit having monetary value is issued to the mobile computing device upon the sponsor authorizing the credit request and the user of the mobile computing device is notified upon receiving the credit.

13. The mobile computing device ofclaim 12, wherein the credit having monetary value is debited from an account associated with the user of the mobile computing device.

14. The mobile computing device ofclaim 12, wherein the credit having monetary value is debited from an account associated with the sponsor.

15. The mobile computing device ofclaim 12, wherein the sponsor authorizes the credit having monetary value by transmitting an authorization message to the issuing server.

16. The mobile computing device ofclaim 15, wherein the credit request is transmitted to a mobile computing device of the sponsor.

17. The mobile computing device ofclaim 15, wherein the credit request is transmitted to the issuing server and the issuing server transmits a second credit request to a mobile computing device of the sponsor, wherein the credit request identifies the sponsor.

18. The mobile computing device ofclaim 12, wherein the credit request includes data indicating a requested monetary amount.

19. The mobile computing device ofclaim 18, wherein the credit request includes data identifying an on sale item, wherein the requested monetary amount is based on a purchase price of the on sale item.

20. The mobile computing device ofclaim 19, wherein the instructions further cause the processor to:

enter a code associated with the on sale item, the code indicating the purchase price of the on sale item.

21. The mobile computing device ofclaim 19, wherein entering the code comprises scanning the code.

22. The mobile computing device ofclaim 12, wherein the instructions further cause the processor to:

transmit, to a point of sale system, data indicative of the credit having monetary value to purchase an on sale item.

23. A non-transitory computer-readable medium containing instructions that, when executed by a mobile computing device, cause the mobile computing device to:

transmit, a credit request requesting that a sponsor authorize issuance of a credit having monetary value to the mobile computing device; and

receiving, from an issuing server, the credit having monetary value, wherein the credit having monetary value is issued to the mobile computing device upon the sponsor authorizing the credit request and the user of the mobile computing device is notified upon receiving the credit.

24. The non-transitory computer-readable medium ofclaim 23, wherein the credit having monetary value is debited from an account associated with the user of the mobile computing device.

25. The non-transitory computer-readable medium ofclaim 23, wherein the credit having monetary value is debited from an account associated with the sponsor.

26. The non-transitory computer-readable medium ofclaim 23, wherein the sponsor authorizes the credit having monetary value by transmitting an authorization message to the issuing server.

27. The non-transitory computer-readable medium ofclaim 26, wherein the credit request is transmitted to a mobile computing device of the sponsor.

28. The non-transitory computer-readable medium ofclaim 26, wherein the credit request is transmitted to the issuing server and the issuing server transmits a second credit request to a mobile computing device of the sponsor, wherein the credit request identifies the sponsor.

29. The non-transitory computer-readable medium ofclaim 23, wherein the credit request includes data indicating a requested monetary amount.

30. The non-transitory computer-readable medium ofclaim 29, wherein the credit request includes data identifying an on sale item, wherein the requested monetary amount is based on a purchase price of the on sale item.

31. The non-transitory computer-readable medium ofclaim 30, wherein the instructions further cause the mobile computing device to:

enter a code associated with the on sale item, the code indicating the purchase price of the on sale item.

32. The non-transitory computer-readable medium ofclaim 30, wherein entering the code comprises scanning the code.

33. The non-transitory computer-readable medium ofclaim 23, wherein the instructions further cause the mobile computing device to:

transmit, to a point of sale system, data indicative of the credit having monetary value to purchase an on sale item.

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