# Patent

## Title
Transferring funds electronically

## Abstract

Apparatuses and methods to transfer funds electronically via premium messages. In one aspect, an apparatus to electronically transfer funds from a customer to a supplier includes: a server component connected to a network; and a database component coupled to the server component. The server is configured to transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect a payment from the customer to the supplier after the customer has placed an order with the supplier. The server component is configured to populate the database component with an identification of the customer telephone number. The server component is configured to prompt the customer to supply additional personal data. In response to the additional personal data, the server component populates the database component with the additional personal data.

## Background
RELATED APPLICATIONS
The present application claims priority to United Kingdom Patent Application Number 08 09 386.6, filed on May 23, 2008 and entitled “Transferring Funds Electronically,” the disclosure of which is incorporated herein by reference.
FIELD OF THE TECHNOLOGY
At least some embodiments of the disclosure relate to apparatuses for transferring funds electronically from a customer to a supplier.
BACKGROUND
Systems for ordering products and/or services over the Internet and then making payment via the Internet are known. Many of these conventional systems involve identifying credit or debit card numbers such that funds may be obtained from a bank in a manner substantially similar to conventional credit card transactions.
A system for instructing payment to be made via mobile telephone text messages is described in United States patent application publication No. 2007/0203836 A1, published Aug. 30, 2007. This provides an alternative method of payment that may be considered more secure than entering credit card details into a networked computer system, but it has a disadvantage in that it requires a set up procedure in order for the method to be deployed.
An alternative approach is described in United States patent application publication number 2009/0006217 A1, published Jan. 1, 2009, which was filed Jun. 29, 2007 and assigned U.S. patent application Ser. No. 11/824,607. This process has been successfully deployed and is trading under the service mark “MOBILLCASH.” The MOBILLCASH system allows an order to be placed over the Internet and for funds to be transferred by transmitting a plurality of premium rate mobile terminating text messages to a mobile telephone held by the customer. Thus, by this method, a customer is only required to enter their telephone number, resulting in a charge being made to their mobile telephone account, from which it is then possible for funds to be transferred to the supplier.
A problem with relying upon the mobile telephone network to make payments is that the service provider and the seller are not actually aware of the person to whom the sale is being made. In order to achieve the transaction, it is only necessary to be aware of the actual telephone number. From a seller's perspective, advantages may be gained from knowing the identity of the purchaser, given that it is then possible to produce statistics identifying the type of customers to whom sales are being made, so that marketing activities may become more targeted.
SUMMARY OF THE DESCRIPTION
Apparatuses and methods to transfer funds electronically via premium messages are described herein. Some embodiments are summarized in this section.
In one aspect, there is provided a system for the electronic transfer of funds from a customer to a supplier, including: a customer browser component connected to a network; a supplier browser component connected to the network; a server component connected to the network and having a database component; a mobile cellular telephone with a telephone number operable by the customer; a mobile cellular operator providing mobile cellular services to the mobile cellular telephone; wherein: the server is configured to transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect a payment from the customer to the supplier after the customer has placed an order with the supplier; the server component is configured to populate the database with an identification of each customer's telephone number; the server component is configured to prompt customers to supply additional personal data; and upon receiving additional personal data, the server component is configured to populate the database with the additional personal data.
In a preferred embodiment, the server component is configured to prompt customers to supply additional personal data by issuing an additional text message.
In a second aspect, there is provided a method of transferring funds electronically, including: transmitting a plurality of premium rate mobile terminating text messages from a server to a mobile cellular telephone to effect payment from the customer to a supplier after the customer has placed an order with the supplier via a network connected browser; populating a database at the server with an identification of each customer's telephone number; prompting customers to supply additional personal data; and upon receiving the additional personal data, populating the database with the additional personal data.
The disclosure includes methods and apparatuses which perform these methods, including data processing systems which perform these methods, and computer readable media containing instructions which when executed on data processing systems cause the systems to perform these methods.
Other features will be apparent from the accompanying drawings and from the detailed description which follows.



BRIEF DESCRIPTION OF THE DRAWINGS
The embodiments are illustrated by way of example and not limitation in the figures of the accompanying drawings in which like references indicate similar elements.
FIG. 1 shows a representation of the Internet.
FIG. 2 shows components forming a preferred embodiment working within the environment of FIG. 1 conducted within the environment of FIG. 2.
FIG. 3 shows procedures conducted within the environment of FIG. 2.
FIG. 4 shows an example of a browser.
FIG. 5 details the visual display unit identified in FIG. 4.
FIG. 6 details graphical user interfaces displayed by the visual display unit identified in FIG. 5.
FIG. 7 shows procedures implemented by a service server.
FIG. 8 details procedures for confirming a payment identified in FIG. 7.
FIG. 9 details procedures for the allocation of messages identified in FIG. 7.
FIG. 10 shows an example of a constraints file of the type identified in FIG. 9.
FIG. 11 shows various use types.
FIG. 12 shows an environment substantially similar to that of FIG. 2, implementing one embodiment.
FIG. 13 shows an example of an invitation of the type identified in FIG. 12.
FIG. 14 shows a graphical user interface for receiving information.
FIG. 15 shows a database table for recording information.
FIG. 16 shows the generation of a report.



DETAILED DESCRIPTION
The following description and drawings are illustrative and are not to be construed as limiting. Numerous specific details are described to provide a thorough understanding. However, in certain instances, well known or conventional details are not described in order to avoid obscuring the description. References to one or an embodiment in the present disclosure are not necessarily references to the same embodiment; and, such references mean at least one.
A representation of the Internet 101 is illustrated in FIG. 1 in which potential customers are provided with customer browsers 101 to 108 and a plurality of suppliers are provided with supplier browsers 111 to 115. The environment therefore allows customers to place orders with suppliers for the delivery of products and/or services and for the customers to transfer funds to the suppliers in order to effect payment for the goods and/or services.
It is known practice for a transaction to be initiated by a customer, such as customer 102, by the customer making a request for a web page to be served, which provides details of a supplier's products, allows product selections to be made and facilitates payment for these products.
FIG. 2 shows components forming a preferred embodiment working within the environment of FIG. 1 conducted within the environment of FIG. 2.
Within the environment identified in FIG. 1, a preferred aspect of one embodiment provides an apparatus for the electronic transfer of funds from a customer to a supplier as illustrated in FIG. 2. A customer browser component 102 is connected to the Internet 101 and a supplier server component 111 is also connected to the Internet. A service server component 201 is connected to the Internet 101 and a mobile cellular telephone 202 is operable by the customer, that is to say, the same customer who is using browser 102.
A mobile cellular operator 203 provides mobile cellular services to the mobile cellular telephone 202. The service server component 201 is configured to transmit a plurality of premium rate mobile terminating text messages 204 to the mobile cellular telephone to effect a payment from the customer (at 102) to the supplier (at 111) after the customer has placed an order with the supplier.
The mobile terminating premium rate messages are included in telephone bills received by the mobile telephone owner, resulting in payment 210 being made to the mobile operator 203. Thereafter, the mobile operator 203 effects the appropriate transfer 211 to the supplier 111. The supplier 111 has now received funds and is therefore prompted to perform delivery 212 of the purchased product or service.
Procedures conducted within the environment of FIG. 2 are detailed in FIG. 3, in the form of a telecommunications protocol diagram. The diagram of FIG. 3 includes the browser 102, the cellular telephone 202, the supplier server 111 and the service server 201.
Initially, the browser issues a signal 301 to request a page to be supplied from the supplier server 111. In response to receiving this request, a page of data 302 is returned to the browser 102, resulting in a page being displayed to the customer at the browser 102.
In response to reviewing the served page, a request 303 for an order is conveyed to the supplier server 111. In response to receiving this order, the product server 111 makes an invitation 304 for a payment to be made. In response to receiving an invitation for a payment to be made, the browser makes an instruction 305 in order to effect the payment. Thus, in accordance with one embodiment, payment is made by issuing premium rate text messages to the mobile telephone.
The supplier server 111 issues an instruction 306 to the service server 201. The service server 201 issues a request 307 to the mobile cellular telephone 202 for a confirmation to the effect that the payment is to be made. Thus, in order to achieve payment by the mobile telephone mechanism, it is necessary to enter a telephone number and it is also necessary for the purchaser to be in possession of the mobile telephone so that the purchaser may effect that confirmation.
The mobile cellular telephone therefore issues a confirmation 308 back to the service server 201 (via the cellular telephone network) to the effect that the purchase has been confirmed.
Upon receiving the request confirmation 308, the service server schedules and issues a plurality of premium rate mobile terminating text messages 309. Thereafter, the product, virtual product or service is sent from the supplier to the purchaser, as illustrated by arrow 310.
An example of a browser 201 is illustrated in FIG. 4, in which a visual display unit 401 is provided to allow web pages to be displayed. In addition, user input is facilitated by a keyboard 402 and a mouse 403. The applicant has become aware that browser environments are particularly attractive for displaying catalogues of goods and receiving orders for goods. However, problems arise in terms of effecting payment over the Internet due to security concerns. The mobile telephone system described herein thereby provides an alternative mechanism for payment.
Generally, the relationship between customers and mobile providers is a strong relationship built on mutual trust. Within the Internet environment it is unlikely for this level of trust to exist. Furthermore, it is not necessary for the user to have access to a credit card or to even possess a credit card. Furthermore, it has been found that the browser environment is not very successful when a supplier requests information back from a user. The present preferred embodiment allows information to be returned to suppliers easily via the customer's mobile cellular telephone.
In the example shown in FIG. 4, the browser takes the form of a desktop computer but equally it could take the form of a laptop computer or similar device. It is also envisaged that the browser and mobile telephone text messaging services could be constrained within a unified product, such as a high level mobile device.
FIG. 5 details the visual display unit 401 identified in FIG. 4. The visual display unit 401 in FIG. 5 shows an image relevant for initiating the process of making a payment. Display 501 includes a field 502 in which the current price is displayed. The user is then prompted to identify a means of payment, which in this example shows a credit card link 503, a debit card link 504 and the mobile telephone account link 505. In practice, many of these links may be repeated for different credit card types, for example, and often each credit card link would include its associated logo or graphical representation, etc.
FIG. 6 details graphical user interfaces displayed by the visual display unit identified in FIG. 5.
Having clicked through on link 505 (as shown in FIG. 5) screen 601 is displayed, that also includes a field 602 identifying the required payment. Having clicked through for this type of payment, it is possible that the total payment figure may have increased so as to include an additional charge for effecting payment via the mobile cellular telephone network. Thus, assuming a user wishes to continue, the user is invited to enter their cellular telephone number in a field 603 and the user may be asked to confirm this number in a further field 604. After confirming the payment, a further screen 605 may be displayed, subject to the particular implementation of the application.
Screen 605 includes a field 606 again identifying the total payment. The screen then continues to say that this amount will be deducted from the telephone account and a user is invited to accept the transaction by clicking button 607 or declining the transaction by clicking cancel button 608.
Procedures implemented by the service server 201 are identified in FIG. 7. The service server provides for the operating of a payment via the Internet in which details are received, of a transaction, from a product server 111 identifying a price to be paid by the customer. Details of the customer's mobile telephone are received at the service server and thereafter a plurality of premium rate text messages are transmitted to the mobile telephone to effect that payment.
In response to receiving instructions 306, the service server 201 seeks confirmation from the mobile cellular telephone in operation 701 to the effect that payment is to be made.
Upon receiving confirmation 308, messages are allocated in operation 702, and in operation 703 the premium rate messages are transmitted with confirmation to the supplier being provided in operation 704.
FIG. 8 details procedures for confirming a payment identified in FIG. 7.
The result of procedure 701 for confirming the payment is illustrated in FIG. 8, in which the mobile cellular telephone 202 receives a message displayed on the mobile telephone display 801. In this example, the message states “please confirm your payment of,” and the amount to be paid is displayed in field 802. In this example, it is possible to confirm the payment by operating the central navigation button 803. Alternatively, the transaction may be cancelled by the operation of a cancel button 804.
The confirmation of the payment creates a mobile originating message. This message may incur a modest charge for transmission over the mobile network. In this example, a dedicated mobile telephone is shown. However it should be appreciated that the mobile telephone designation also includes other devices with mobile telephony functionality.
FIG. 9 details procedures for the allocation of messages identified in FIG. 7.
Procedure 702 for the allocation of messages is illustrated in FIG. 9. In operation 901 a file 902 of data is read that identifies appropriate local constraints for the transaction. Alternatively, these details may be supplied from an appropriately configured database. The local constraints are relevant for the particular country in which the financial transaction is taking place, including appropriate currency for the transaction and other regulations relating to the use of premium rate messages.
The constraints contained within file 902 identify the specific examples of premium rate messages that may be deployed, along with a level of payment that is associated with each of these messages. In addition, the constraints also specify maximum transaction values, usually restricting the total level of transactions that may occur during a day and often also identifying a maximum level of transactions that may take place over a month, given that many customers are billed on a monthly basis.
In this example, an operator may specify that total transactions for a day must not exceed 30 dollars and total transactions for the month must not exceed 400 dollars. Typically, these constraints are applied across an operator's network and are not allocated on a customer-by-customer basis.
In operation 903 the total value of the transaction is divided into a plurality of messages such that in combination, the value of the messages adds up to the total value of the transaction.
In operation 904 an allocation is made over a number of months. If the total value of the transaction exceeds a monthly limit, it is necessary to spread the transmission of the messages over two or more months.
In operation 905 an allocation is made over a number of days. Again, if either total transactions or monthly transactions exceed the total transactions allowed, the actual transmissions must take place over a number of days, with a plurality of messages being allocated for each individual day within the batch.
It is possible for the maximum transmissions to occur within, for example, three days over a particular month. It is possible that the transactions could occur over more days, until the allocation for the month is reached. If the allocation for the month is reached, it is then necessary to continue making transmissions upon entering the next month.
In operation 906 the transmissions are scheduled, resulting in the generation of a transmission schedule 907.
FIG. 10 shows an example of a constraints file 902 of the type identified in FIG. 9. This defines a total transmission value for the day and a total transmission value for the month. In addition, it identifies valid premium rate message codes. Thus, in this example, at line 1001 a code 861000 effects a charge of 50 cents, as shown at line 1002. Similarly, a code of 861100 effects a charge of 1 dollar and as illustrated at line 1003, a charge of 1.50 dollars is effected as a result of transmitting code 861110. A code of 861111 results in a charge of 3 dollars and similarly a five dollar charge results from the transmission of code 861112. An example of a displayed field 802 is also shown in FIG. 10 which, for the purposes of this illustration, indicates a charge of 25.50 dollars.
FIG. 11 shows various use types.
The present preferred apparatus performs a method of transferring funds electronically in which a plurality of premium rate mobile text messages are transmitted from the server to a mobile cellular telephone to effect payment from the customer to the supplier after the customer has placed an order with a supplier via a network connected browser. A database is populated at the server with an identification of each customer's telephone number. It is then possible for customers to make purchases via this mechanism in a nonregistered mode of operation. However, in accordance with a preferred aspect of one embodiment, the customer is prompted to supply additional personal data. Thus, as illustrated in FIG. 11, nonregistered use of the system is illustrated at 1101. After this nonregistered use, a question is asked at 1102 of a customer as to whether they wish to register their use of the system. Thus, when answered in the negative, further nonregistered use may occur at 1101.
If, however, the customer agrees to the registration process (the question asked in operation 1102 being answered in the affirmative), a registration process is performed in operation 1103.
Thereafter, registered use occurs in operation 1104, and thereafter in operation 1105, transaction information may be transferred to suppliers and third parties.
FIG. 12 shows an environment substantially similar to that of FIG. 2, implementing one embodiment. Multiple premium rate mobile terminating text messages 204 are shown being issued from the server 201 to the mobile cellular telephone 202. However, in addition, the user also receives an invitation 215 to supply additional personal information.
FIG. 13 shows an example of an invitation 215 of the type identified in FIG. 12. In the example of an invitation 215 to a browser illustrated in FIG. 13, the browser receives a message 1301 which states “would you like to receive a discount?” In response to receiving this, it is possible for the user to press a cancel button 1302. Alternatively, pressing an “OK” button 1303 results in an affirmative response being returned to the server 201.
FIG. 14 shows a graphical user interface for receiving information. In a preferred embodiment, personal information is received from the user via the user's browser 102.
When the user makes use of browser 102 to effect payment via this method again, the user is presented with a screen of the type shown in FIG. 14. At the browser, the user selects fields within the graphical user interface using mouse 403 and enters the text by keyboard 402. The user then applies a mouse click to the “send” link 1401.
In this example, a first name is received at field 1402 and a family name is received at field 1403. These are text boxes allowing any text entry to be made. Further fields 1404 to 1407 are provided in the form of pull down boxes from which predefined selections can be made. Thus, in field 1404 the user is invited to identify their gender and at field 1405 they are invited to identify their city of residence. Similarly, pull down box 1406 invites the user to identify a favorite entertainment and a similar pull down box at 1407 allows a favorite hobby to be identified within the field. As previously stated, the user then selects link 1401 and the information is transmitted over channel 215 to the database 208 within server 201.
FIG. 15 shows a database table for recording information. Within database 208 a table is created so as to record the information received from each user. At column 1501 a unique identification is given for the user which is then recorded against the user's telephone number at column 1502. For nonregistered use, only columns 1501 and 1502 are populated. Alternatively, it would be possible for telephone numbers to be recorded in a separate linked table.
Columns 1503 to 1508 only become populated after a registration process. Thus, a given name and a family name are recorded at columns 1503 and 1504 respectively in response to receiving free text entries 1402 and 1403.
Gender is recorded at 1505 (from entry 1404), with city, entertainment and hobbies being recorded at 1506, 1507 and 1508, in response to entries from 1405, 1406 and 1407.
FIG. 16 shows the generation of a report. It is envisaged that personal data will be collected over a period of time and a plurality of tables may be included within a database of substantially similar configuration to that shown in FIG. 15. Registered users are identified as such, and in a preferred embodiment the user is provided with a discount each time the service is used. As previously described with respect to FIG. 10, the possibility of providing an additional charges for the service was described, and in a preferred embodiment this charge may be made against nonregistered users whereas registered users may be able to make use of the service for free.
Similarly, suppliers, such as supplier 111, may be in a position to make use of the service effectively for free, but a charge may be required if they wish to obtain user transaction data, essentially for marketing purposes. In a preferred embodiment, it is possible for a supplier to receive transaction data relating to the specific transactions made with them. Alternatively, average data may be of greater assistance such that specific telephone numbers are not required, whereupon it will be possible to provide a broader range of data, including data obtained from transactions relating to other suppliers.
Furthermore, in an alternative preferred embodiment, given that the personal nature of the data has been removed, it would be possible for this accumulated data to be made available to external parties not actually themselves registered as a supplier. Furthermore, the availability of this data may encourage suppliers to make this service available to their customers.
In a first embodiment it is possible for suppliers to gain access to database 208. Alternatively, it may be possible for the suppliers to receive designated reports, such as report 1601 of the type shown in FIG. 16.
In the example shown in FIG. 16, a supplier is interested in advertising entertainment packages and therefore wishes to know which type of entertainments are preferred by their existing customers. Thus, by referring to the information collected within column 1507, for a number of users, it is possible to perform calculations to determine percentages. Thus, in this example, the supplier receives information to the effect that 40% of their users prefer playing computer games, compared to the other options of watching movies, watching plays, watching sports or watching comedy. Thus, with this information on hand, the supplier may make an educated decision to the effect that further website promotions would best be directed at computer games in preference to DVDs and movie downloads, etc.
In the foregoing specification, the disclosure has been described with reference to specific exemplary embodiments thereof. It will be evident that various modifications may be made thereto without departing from the broader spirit and scope as set forth in the following claims. The specification and drawings are, accordingly, to be regarded in an illustrative sense rather than a restrictive sense.

## Claims

1. An apparatus to electronically transfer funds from a customer to a supplier, the customer having a mobile cellular telephone with a telephone number, a mobile cellular operator providing mobile cellular services to the mobile cellular telephone, a customer browser component connected to a network, a supplier browser component connected to the network, the apparatus comprising:
a server component connected to the network; and
a database component coupled to the server component, wherein the server component is configured to:
transmit a message to the mobile cellular telephone to request a confirmation after the customer has placed an order with the supplier;
in response to the confirmation, calculate an amount of the order;
populate the database component with an identification of the telephone number of the customer;
transmit a message to the mobile cellular telephone for the customer to select whether a discount is required;
receive a message from the mobile cellular telephone with a selection of whether the discount is required or not required;
if the discount is required, register the customer by prompting the customer to supply additional personal data, and populating the database component with the additional personal data against the telephone number in response to the additional personal data, and applying the discount to the amount: and
transmitting a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect a payment from the customer for the amount as modified by the discount if the customer has been registered.

2. The apparatus of claim 1, wherein the server component is configured to transmit the plurality of premium rate mobile terminating text messages spread over a number of days.

3. The apparatus of claim 1, wherein the customer is prompted to supply further information about the customer via the customer browser component.

4. The apparatus of claim 1, wherein the server component is configured to provide to the supplier browser information derived from the additional data received from the customer.

5. The apparatus of claim 1, wherein the server component is configured to use the database component to store the additional data received from the customer.

6. A method to transfer funds electronically, the method comprising:
transmitting, from a server computer, a message to a mobile cellular telephone at a telephone number of a customer to request a confirmation after the customer has placed an order with a supplier;
in response to the confirmation, calculating an amount of the order;
populating a database at the server computer with an identification of the telephone number;
transmitting a message to the mobile cellular telephone for the customer to select whether a discount is required;
receiving a message from the mobile cellular telephone with a selection of whether the discount is required or not required;
if the discount is required, registering the customer by prompting the customer to supply additional personal data, and populating the database component with the additional personal data against the telephone number in response to the additional personal data, and applying the discount to the amount; and
transmitting a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect a payment from the customer for the amount as modified by the discount if the customer has been registered.

7. The method of claim 6, further comprising scheduling transmission of the premium rate mobile terminating text messages to avoid exceeding a pre-established maximum daily limit.

8. The method of claim 6, further comprising prompting the customer to supply further information about the customer via the browser.

9. The method of claim 6, further comprising supplying to the supplier information derived from the additional personal data received from the customer.

10. The method of claim 6, further comprising storing the additional personal data within the database.

11. A computer-readable medium having computer-readable instructions, the instructions causing a computer to perform a method, the method comprising:
transmitting, from the computer, a message to a mobile cellular telephone at a telephone number of a customer to request a confirmation after the customer has placed an order with a supplier;
in response to the confirmation, calculating an amount of the order;
populating a database at the server computer with an identification of the telephone number;
transmitting a message to the mobile cellular telephone for the customer to select whether a discount is required;
receiving a message from the mobile cellular telephone with a selection of whether the discount is required or not required;
if the discount is required, registering the customer by prompting the customer to supply additional personal data, and populating the database component with the additional personal data against the telephone number in response to the additional personal data, and applying the discount to the amount; and
transmitting a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect a payment from the customer for the amount as modified by the discount if the customer has been registered.

12. The computer-readable medium of claim 11, wherein the method further comprises scheduling transmission of the premium rate mobile terminating text messages to avoid exceeding a pre-established maximum daily limit.

13. The computer-readable medium of claim 11, wherein the method further comprises prompting the customer to supply further information about the customer via the browser.

14. The computer-readable medium of claim 11, wherein the method further comprises providing to the supplier information derived from the additional personal data received from the customer.

15. The computer-readable medium of claim 11, wherein the method further comprises storing the additional personal data within the database.