Patent ID: 9258691
Filing Date: 2016-02-09
CPC Classification: G06Q,H04M,H04W

Claim Text:
1. A computer-based method of processing repeat payments, comprising: receiving, with a merchant server, a phone number of a user mobile phone; transmitting, with the merchant server, the phone number to a mobile billing operator server for the mobile billing operator server to execute at least one default payment cycle on a mobile scheduling assistant that includes transmitting, by the mobile billing server, a message to a carrier server of the mobile phone with the phone number of the mobile phone and a charge amount, receiving, by the mobile billing server, a payment from the carrier server, the mobile billing operator server keeping a portion of the payment received from the carrier server and the mobile billing server transmitting a payment to the merchant server, the payment to the merchant server being for the payment received from the carrier operator server minus the portion kept by the mobile billing operator server, the merchant server receiving the payment from the mobile billing operator server at the merchant server, wherein the mobile billing operator server transmits a text to the user mobile phone at the phone number with a switch-over option after the default billing cycle, the switch-over option including a link that is selectable by a user of the user mobile phone to transmit a switch-over page request; receiving, with the merchant server, the switch-over page request from the user mobile phone; transmitting, with the merchant server, a switch-over page to the user mobile phone in response to the switch-over page request, the switch-over page having fields for entry of the credit card details, including a credit card number, that is received at the merchant server; receiving, at the merchant server, the credit card details from the user mobile phone at the merchant server; registering, with the merchant server, the credit card details with a merchant scheduling assistant of the merchant server; transmitting, with the merchant server, a cancel notification to the mobile billing server when the merchant server receives the credit card information, the mobile billing server cancelling the default payment cycle on the mobile scheduling assistant in response to the cancel notification; and executing, with the merchant scheduling assistant, at least one modified billing cycle that includes causing a charge to be entered against the credit card number in an account database of a credit card institution server other than the carrier server.