Abstract:
System and method to facilitate purchases through mobile communications on various types of mobile devices and platforms by reducing the number of steps it takes the user to complete the purchase with mobile in-app payments, and/or by enabling purchases to be made without the device being connected to the Internet and/or by automatic compilation of payment request. A set of user identifying details, including user&#39;s country, mobile carrier name and phone number, is required in order to process a mobile purchase. The advantages of the present invention from the user perspective is the ability to complete the purchase in fewer steps by automatic user details identification and the ability to complete the purchase in case there is no Internet connection by embedding a specially formatted database file with the application of mobile device.

Description:
FIELD OF INVENTION 
     The present invention relates to the field of mobile payments, more specifically to the field of systems and methods for facilitating purchases by automatic Mobile Network Code, Mobile Country Code and MSISDN detection and/or by enabling purchases without active Internet connection and/or by automatic compilation of payment request. 
     BACKGROUND OF THE INVENTION 
     It is known to perform purchases of goods or services using a mobile device. For example, a user may purchase a song while browsing a mobile website. Or pay for additional content inside mobile game or application. There are various methods and technologies, that allow a user to perform purchases on a mobile device, including but not limited to those provided by mobile operating system manufacturer, handset vendors, mobile carriers and banks. Existing payment methods and technologies share common disadvantages. 
     Processing purchases on mobile device requires collecting extensive user details including but not limited to country, name of mobile carrier and mobile phone number of the user, in order to definitely validate that the purchase is authorized by device owner. As a result, payment process is complicated and consists of several time-consuming steps and users often abandon the payment. 
     From another perspective existing methods and technologies for purchases on mobile devices heavily rely on availability of Internet connection in order to process the purchase. As a result, user is not able to complete purchases on mobile devices without an Internet connection, for example while commuting, on roaming or in bad network reception area. 
     Some of existing solutions for enabling purchases on mobile devices using mobile carrier billing platforms require the user to manually compile payment request using SMS text message. This is a time-consuming process and many users make errors in request or abandon it. 
     What is needed is a system and method for facilitating purchases on mobile devices with easier user identification, availability to complete the purchase without an active Internet connection and automatic compilation of payment request. 
     BRIEF DESCRIPTION OF THE INVENTION 
     The aim of present invention is to provide a system and method to facilitate purchases through mobile communications on various mobile devices including but not limited to smartphones, feature phones and tablet computers by reducing the number of steps it takes the user (for example the purchaser, buyer, end-client, shopper, etc) to complete the purchase with mobile in-app payments, and/or by enabling purchases to be made without the device being connected to the Internet and/or by automatic compilation of payment request. 
     A set of user identifying details is required in order to process a mobile purchase. The minimum set of details includes user&#39;s country, mobile carrier name and phone number. The usual way of obtaining those details is to ask them directly from the user using multiple steps. The advantage of the present invention from the user perspective is the ability to complete the purchase in fewer steps by automatic user details identification. 
     From another perspective most of existing mobile purchase technologies requires an accessible Internet connection in order to complete the purchase. Another advantage of the present invention from the user perspective is the ability to complete the purchase in case there is no Internet connection by embedding a specially formatted database file with the application of mobile device. This file contains instructions, technical parameters, identifiers and request templates, that are needed to complete a purchase. 
     Another advantage of present invention from user perspective is the automatic compilation of payment request. In traditional way of initiating a purchase from mobile device, user is asked to compile and send a payment request using SMS text message. With the help of present invention user is asked about initiating a payment using mobile device native user interface and compilation of payment request is done automatically. As a result, it takes less time and actions for the user to complete the purchase. 
     The advantage of the present invention from the merchant perspective is the increased simplicity of completing the purchase for the user. This leads to higher amount of purchases, less interrupted purchases and increased revenues. 
     In a first embodiment a systems and methods are used to facilitate purchases through mobile communications on various mobile devices including but not limited to smartphones, feature phones and tablet computers by eliminating the need of entering the MSISDN identifier by the purchaser. 
     MSISDN value is required to identify mobile subscriber and request a mobile billing transaction through carrier&#39;s infrastructure. A system consists of a data computing facility, which is connected to mobile carrier billing, short code and networking infrastructure and a plurality of converters to communicate and interface with a plurality of controllers for various types of mobile devices and platforms. 
     Respective controller communicates with respective operating system telephony component by using native system functionality and obtains Mobile Network Code (MNC) and Mobile Country Code (MCC) values. If code values are among the ones currently supported by data computing facility&#39;s existing mobile carrier billing connections, a text message to respective short code consisting of encoded device and purchase identification details is initiated and sent by respective controller through operating system&#39;s native messaging component. Once received by the short code, message is transported to data computing facility and decoded by respective converter. As a result, MNC, MCC and MSISDN values are obtained and can be used for initiating a transaction through carrier billing infrastructure. 
     From the user perspective the time-consuming step of MSISDN input is excluded from the purchase flow. The whole payment process is more smooth and effective without the risk of input errors. As a result, the process of purchase on mobile device it feels like an initial and built-in functionality of the handset provided by mobile operator. 
     Each converter is configured to communicate with a respective controller through a wireless communication protocol, supported on respective device including but not limited to UMTS, W-CDMA, HSPA, LTE, EDGE, GSM, GPRS, GSM Short Message protocol and IEEE 802.11. Selection of communication interface is performed automatically by interrogating with device&#39;s platform core component. Each controller is designed to interact with respective device&#39;s operating system native telephony and messaging component in order to determine Mobile Network Code (MNC) and Mobile Country Code (MCC) values based on device&#39;s operating system version. Device and purchase identification details are transmitted using operating system&#39;s native messaging component through SMS-PP protocol as a Mobile Originated (MO) short message service transfer. Mobile subscriber identification is performed by using Mobile Subscriber Integrated Services Digital Network Number (MSISDN) value according to ITU-T specification E.164. MSISDN value is obtained from Mobile Originated short message service transfer by short code gateway. 
     A systems and methods for facilitating the purchases through mobile communications on various mobile devices including but not limited to smartphones, feature phones and tablet computers by eliminating the need of entering the MSISDN identifier by the purchaser where the MSISDN value is required to identify mobile subscriber and request a mobile billing transaction through carrier&#39;s infrastructure. 
     A system comprising of a main cloud-stored data computing facility, which is connected to mobile carrier billing, short code and networking infrastructure and a plurality of converters to communicate and interface with a plurality of controllers for various types of mobile devices and platforms. 
     A system and method where a respective controller communicates with respective operating system telephony component by using native system functionality and obtains Mobile Network Code (MNC) and Mobile Country Code (MCC) values. 
     A system and method where the code values are among the ones currently supported by data computing facility&#39;s existing mobile carrier billing connections, a text message to respective short code consisting of encoded device and purchase identification details is initiated and sent by respective controller through operating system&#39;s native messaging component. 
     A system and method where when the purchase identification details are once received by the short code the message is transported to data computing facility and decoded by respective converter. 
     A system and method where as a result, MNC, MCC and MSISDN values are obtained and can be used for initiating a transaction through carrier billing infrastructure. 
     In a second embodiment a systems and methods are used to allow purchases through mobile communications on various mobile devices including but not limited to smartphones, feature phones and tablet computers without the need of an established and active Internet connection. 
     In order to make a mobile billing transaction, technical information including service short code, purchase id, and service code is required. In addition Network Code and Mobile Country Code values are used to check if respective operator is supported for mobile purchases. By default this information is requested from a remote server through an existing Internet connection (either mobile Internet of wireless Internet). In case there is no active Internet connection on respective device, purchase transaction is terminated. With the help of present invention, required information is available on all devices including the ones without an active Internet connection thus enabling purchases on all mobile devices. 
     Technology consists of a software controller and embedded technical information database file with the list of all service short codes, purchase ids, service codes and supported Network Code and Mobile Country Code values. Database file is included with the application on the stage of compilation. Once the purchase is initialized the database file is parsed by the software controller and Network Code and Mobile Country Code checks are performed. Is respective mobile carrier is supported by the billing provider, respective service short code, purchase id, and service code values are extracted and used for making a billing transaction. 
     If an active Internet connection is found by the software controller, an up to date version of the database file is downloaded from remote server. 
     From the user perspective respective solution allows making mobile purchases without the need of Internet connection for example when it&#39;s not available or while roaming, when it&#39;s expensive. Usual payment flow follows the process of purchase without the “Active Internet connection is required in order to complete the purchase” window. 
     Solution consists of embed database file, software controller and remote database server. Embeddable database file is structured according to XML 1.0 specification produced by the W3C and includes technical information including but not limited to country description, service short code, respective billing algorithm, Mobile Network Code (MNC), Mobile Country Code (MCC), ISO 4217 formatted currency name and price points supported in respective country. Software component is developed using platform&#39;s native software development kit and includes XML encoded database file parser, a MNC and MCC detector module that communicates with respective operating system telephony component and a remote server communication gateway for database file updates if an Internet connection is found. Communication with remote server is performed through HTTP protocol using any of accessible mobile communication protocols including but not limited to UMTS, W-CDMA, HSPA, LTE, EDGE, GSM, GPRS and IEEE 802.11. 
     A systems and methods which are used to allow purchases through mobile communications on various mobile devices including but not limited to smartphones, feature phones and tablet computers without the need of established Internet where In order to make a mobile billing transaction, technical information including service short code, purchase id, and service code is required. 
     A system and method where in addition Network Code and Mobile Country Code values are used to check if respective operator is supported for mobile purchases. A system and method where by default this information is requested from a remote server through an existing Internet connection (either mobile Internet of wireless Internet) and in case there is no active Internet connection on respective device, purchase transaction will be terminated. 
     A system and method comprising a computer software controller and embedded technical information database file with the list of all service short codes, purchase ids, service codes and supported Network Code and Mobile Country Code values whereas the database file is included with the application on the stage of compilation. 
     A system and method where the purchase is initialized the database file is parsed by the software controller and Network Code and Mobile Country Code checks are performed and is the respective mobile carrier is supported by the billing provider, respective service short code, purchase id, and service code values are extracted and used for making a billing transaction. 
     A system and method when an active Internet connection is found by the software controller an up to date version of the database file is downloaded from remote server. 
     In a third embodiment a systems and methods are used to enable and facilitate purchases through mobile communications on various mobile devices including but not limited to smartphones, feature phones and tablet computers by providing a user-friendly payment flow for end-user and pre-filling some or all of respective payment details required to complete the transaction. 
     A system consists of a main cloud-stored data computing facility, which is connected to mobile carrier billing infrastructure and a web component for end-user interaction. 
     In order to complete the purchase consumer needs to send a payment request via an SMS text message to a premium rate short code. Web component is accessed by the mobile web browser through existing Internet connection and is used by the end user for selecting the amount of respective transaction and obtaining instructions for sending the Premium SMS message. Purchaser&#39;s country is detected automatically using geolocation, as a result only these price points are listed, that are available in respective country. Once the price point is selected, a next screen with payment instructions is shown to purchaser. After clicking the “pay now” button, purchaser is forwarded to messaging application&#39;s new message screen. Short code and message text are pre-filled and in order to complete the purchase end-user presses Send button. 
     From the user perspective solution allows cross-platform mobile purchases in applications through an intuitive end-user experience and without the need of manually completing the payment request SMS message thus reducing time needed to complete the purchase and reducing the probability of input errors. 
     Solution consists of a cloud-stored data computing facility and a web component for interaction with purchaser. Communication with computing facility is done using HTTP protocol. HTML5 technology based web component is accessed from Internetconnected applications or mobile browsers from a mobile device, such as a smartphone or tablet computer, connected to a wireless network. Component is optimized for mobile device displays with low resolution capability. Communication between computing facility and web component is performed using JSON formatted HTTML requests. After confirming the amount of purchase payment request details including service short code and request message text are transferred to messaging component of the device using native methods. 
     A system comprising a main cloud-stored data computing facility, which is connected to mobile carrier billing infrastructure and a web component for end-user interaction. A method where in order to complete the purchase consumer needs to send a payment request via an SMS text message to a premium rate short code, whereas the web component is accessed by the mobile web browser through existing Internet connection and is used by the end user for selecting the amount of respective transaction and obtaining instructions for sending the Premium SMS message. A method where a purchaser&#39;s country is detected automatically using geolocation, as a result only these price points are listed, that are available in respective country. 
     A method where once the price point is selected, a next screen with payment instructions is shown to purchaser and after clicking the “pay now” button, purchaser is forwarded to messaging application&#39;s new message screen, whereas a short code and message text are pre-filled and in order to complete the purchase end-user presses Send button. 
     A further development of the first, second and third embodiment of the present invention is an united system and method for facilitating purchases by automatic Mobile Network Code, Mobile Country Code and MSISDN detection and/or by enabling purchases without active Internet connection and/or by automatic compilation of payment request. The system and method comprises a mobile device component connected to the Internet, a web component, connected to the Internet, and a server component connected to the Internet and having a database component. Mobile device component is a further development of device controller, connected to device core platform. Server and database components are the further development of data computing facility, remote server and associated converters. 
     Mobile device component comprises a device controller, embedded database controller and purchase controller. Device controller is configured to: interface with the core system of mobile device; obtain device identification parameter values; interface with input and output components of the device including but not limited to display, keyboard, speaker, touchscreen. Embedded database controller is a further development of software controller and embedded technical information database from second embodiment and provides storing and retrieving purchasing instructions and payment request templates. Purchase controller plays the central role in managing the mobile purchase process. Purchase controller is configured to interface with: input and output components of mobile device; with other controllers of mobile device component; with web component; with data converter of server component. 
     Server component comprises a data converter, configured to exchange information between database component, web component and purchase controller of mobile device component. 
     Database component is configured to store and retrieve information including but not limited to purchase instructions, list of supported countries and operators and payment request samples. 
     Web component is configured to server mobile device optimized web pages containing purchase instructions and payment request samples. 
     In response to initialization of purchase by the user, purchase controller interfaces with device controller and obtains information about MNC, MCC, MSISDN values and whether a network connection is available. 
     In case a network connection is available, purchase controller sends user identification details including MNC, MCC and MSISDN values to data converter of server component. Data converter interfaces with database component and obtains a list of supported countries and mobile carriers. MNC and MCC values are converted to respective country and mobile carrier names and compared with the previously obtained list of supported countries and carriers. Comparison results are returned to device controller. 
     If country or mobile carrier of the user is not supported, purchase controller stops the purchase process and informs the user about not supported country or mobile carrier via mobile device display. If country and mobile carrier are among the supported ones, purchase controller interfaces with web component and obtains purchase instructions. 
     In case a network connection is not available, purchase controller interfaces with embedded database controller and obtains the list of supported countries and mobile carriers. Purchase controller converts MNC and MCC values to respective country and mobile carrier names and compares with the previously obtained list of supported countries and carriers. 
     If country or mobile carrier of the user is not supported, purchase controller stops the purchase process and informs the user about not supported country or mobile carrier via mobile device display. If country and mobile carrier are in the list of supported values, purchase controller obtains respective purchase instructions from embedded database controller. 
     Once purchase instructions are obtained, purchase controller launches native messaging application of mobile device and fills SMS short message payment request using the purchase instructions previously obtained from web component. User is asked to confirm filled payment request and complete the payment by pressing the corresponding button (for example SEND button, complete or confirm the payment, etc) of native messaging application of mobile device. Purchase is completed. 
     In an alternative embodiment the present invention includes a method of updating purchasing instructions and payment request templates stored in embedded database controller. If an available network connection is detected by purchase controller, a latest copy of purchasing instructions and payment request templates is obtained from data converter and stored to embedded database controller. 
     In an alternative embodiment the present invention comprises a method of obtaining MSISDN value by the device controller in case such value is provided by operating system of the device. MSISDN value may be further used for identifying the user and facilitating the purchase process. 
     Other features will be apparent from the accompanying drawings and from the detailed description, which follows. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       The present invention is explained more precisely with references to figures added, where 
         FIG. 1  depicts an illustrative system for facilitating purchases on mobile devices by automatic Mobile Network Code and Mobile Country Code detection according to the first embodiment; 
         FIG. 2  depicts an illustrative method for purchases on mobile devices without an active Internet connection according to the second embodiment; 
         FIG. 3  depicts an illustrative system for facilitating purchases on mobile devices by automatic compilation of payment request according to the third embodiment; 
         FIG. 4  depicts an illustrative system for facilitating purchases on mobile devices by automatic Mobile Network Code, Mobile Country Code and MSISDN detection and/or by enabling purchases without active Internet connection and/or by automatic compilation of payment request; 
         FIG. 5  depicts an illustrative method for facilitating purchases on mobile devices by automatic Mobile Network Code, Mobile Country Code and MSISDN detection and/or by enabling purchases without active Internet connection and/or by automatic compilation of payment request; 
         FIG. 6  depicts an illustrative example of method of automatic compilation of payment request; 
         FIG. 7  depicts the fourth embodiment combining and integrating first, second and third embodiments. 
     
    
    
     DETAILED DESCRIPTION OF THE INVENTION 
     For the purposes of promoting an understanding of the principles of the invention, reference will now be made to a number of illustrative embodiments illustrated in the drawings and specific language will be used to describe the same. 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. 
     The process of completing a purchase on mobile device comprises several steps and requires user authorization through detecting user&#39;s country, mobile carrier and phone number. Part of this information is obtainable directly from mobile device, bypassing the need of requesting this information from user. Country information can be obtained from Mobile Country Code (MCC) and carrier information can be obtained from Mobile Network Code (MNC) values in accordance with E.212 numbering standard by International Telecommunication Union. 
     Subscriber identification is performed using Mobile Subscriber Integrated Services Digital Network Number (MSISDN) value according to recommendation E.164 of ITU Telecommunication Standardization Sector. 
     A system according to present invention comprises at least one data computing facility, which is connected to mobile carrier billing infrastructure, short code and networking infrastructure and a plurality of converters to communicate and interface with a plurality of controllers for various types of mobile devices and platforms. 
     Each converter is configured to communicate with a respective controller through one of available wireless communication protocols (for example UMTS, W-CDMA, HSPA, LTE, EDGE, GSM, GPRS, GSM Short Message protocol, IEEE 802.11. etc) Selection of communication interface is performed automatically by interrogating with device&#39;s platform core component. 
       FIG. 1  shows a system to facilitate purchases on mobile devices by automatic Mobile Network Code, Mobile Country Code and MSISDN detection. In  FIG. 1 , a system comprises at least one data computing facility, which is connected to mobile carrier billing, short code and networking infrastructure and a plurality of converters to communicate and interface with a plurality of controllers for various types of mobile devices and platforms. 
     In  FIG. 1 . a method to facilitate cross-platform purchases on mobile devices in a first embodiment by MNC/MCC/MSISDN detection comprises following steps: 
     1. Transaction initiated by user 
     2. MNC and MCC values are sent to converter for coverage check 
     3. MNC and MCC values are checked with (Data Computing Facility) DCF coverage database 
     4. MNC and MCC support is confirmed by DCF to converter 
     5. MNC and MCC confirmation forwarded to controller 
     6. Encoded transaction details are sent via SMS text message to short code using messaging component 
     7. MSISDN value and transaction details are obtained by short code from incoming SMS text message and sent to DCF 
     8. Transaction details are decoded by DCF and sent to carrier billing system for making a MSISDN based transaction. 
     9. Transaction billing status is confirmed by carrier billing to DCF 
       FIG. 2  shows a system to facilitate purchases on mobile devices without an active Internet connection according to second embodiment. In  FIG. 2 , a system comprises an embedded database file, software controller and remote server. Software controller is configured to interface with remote server and billing and telephony components of mobile device. 
     In  FIG. 2 . a method to facilitate purchases on mobile devices without an active Internet connection according to the second embodiment comprises following steps: 
     1. Payment initiated by user 
     2. Active Internet connection availability check if performed 
     3. If an active Internet connection is detected, a latest version of database file is downloaded from remote server 
     4. Supported MNC, MCC, country and short code data is extracted from database file 
     5. MNC and MCC values are obtained from telephony component of mobile device 
     6. Obtained MNC and MCC values are compared with supported list of values 
     7. If MNC and MCC values are supported, payment service data (short code, purchase id, service code) is returned to billing component. 
       FIG. 3  shows a system to facilitating purchases on mobile devices by automatic compilation of payment request according to the third embodiment; In  FIG. 3 , a system comprises at least one data computing facility, which is connected to mobile carrier billing and networking infrastructure and a plurality of components including web, display and messaging components. 
     In  FIG. 3 . a method to facilitating purchases on mobile devices by automatic compilation of payment request according to third embodiment comprises following steps: 
     1. User initiates the purchase by communicating with web component using mobile web browser of mobile device. 
     2. Web component returns a list of supported products and prices to mobile web browser of mobile device 
     3. User selects the product and selected product&#39;s id is sent to web component by mobile web browser of mobile device. 
     4. Web component receives the product id and provides payment request instructions to mobile web browser of mobile device. 
     5. Payment request instructions are sent from mobile web browser to native messaging component of mobile device. 
     6. Messaging component prepares a SMS text message with payment request. 
     7. Payment request is sent to mobile carrier via a SMS text message. 
     8. Billing confirmation is sent to mobile web component and displayed to the user via display of mobile device. 
     Referring to  FIG. 4 , an illustrative scheme of system for facilitating purchases on mobile devices by automatic Mobile Network Code, Mobile Country Code and MSISDN detection and/or by enabling purchases without active Internet connection and/or by automatic compilation of payment request is depicted in fourth embodiment. The system comprises a mobile device component  401  connected to the Internet, a web component  409 , connected to the Internet, and a server component  406  connected to the Internet and having a database component  408 . Mobile device component  401  is a further development of device controller, connected to device core platform. Server  406  and database components  408  are the further development of data computing facility, remote server and associated converters. 
     Mobile device component  401  comprises a device controller  403 , embedded database controller  404  and purchase controller  405 . Device controller is configured to: interface with the core system of mobile device  402 ; obtain device identification parameter values; interface with input and output components of the device including but not limited to display, keyboard, speaker, touchscreen. Embedded database controller  404  is a further development of software controller and embedded technical information database from second embodiment  FIG. 2  and provides storing and retrieving purchasing instructions and payment request templates. Purchase controller  405  plays the central role in managing the mobile purchase process. Purchase controller is configured to interface with: input and output components of mobile device  402 ; with other controllers of mobile device component  401 ; with web component  409 ; with data converter  407  of server component  406 . 
     Server component  406  comprises a data converter  407 , configured to exchange information between database component  408 , web component  409  and purchase controller  405  of mobile device component  401 . 
     Database component  408  is configured to store and retrieve information including but not limited to purchase instructions, list of supported countries and operators and payment request samples. 
     Web component  409  is configured to server mobile device optimized web pages containing purchase instructions and payment request samples. 
       FIG. 5  shows a method for facilitating in-application purchases on mobile devices by automatic Mobile Network Code, Mobile Country Code and MSISDN detection and/or by enabling purchases without active Internet connection and/or by automatic compilation of payment request. 
     In response to initialization of purchase  501  by the user, purchase controller  405  interfaces with device controller  403  and obtains information  502  about MNC, MCC, MSISDN values and whether a network connection is available  503 . 
     In case a network connection is available  503 , purchase controller  405  sends user identification details including MNC, MCC and MSISDN values to data converter  407  of server component  406 . Data converter  407  interfaces with database component  408  and obtains a list of supported countries and mobile carriers. MNC and MCC values are converted to respective country and mobile carrier names and compared  504  with the previously obtained list of supported countries and carriers. Comparison results are returned to device controller. 
     If country or mobile carrier of the user is not supported  504 , purchase controller  405  stops the purchase process and informs the user about not supported country or mobile carrier via mobile device display  508 . If country and mobile carrier are among the supported ones  504 , purchase controller interfaces with web component  409  and obtains purchase instructions  505 . 
     In case a network connection is not available  503 , purchase controller  405  interfaces with embedded database controller  404  and obtains the list  506  of supported countries and mobile carriers. Purchase controller  405  converts MNC and MCC values to respective country and mobile carrier names and compares  507  with the previously obtained list of supported countries and carriers. 
     If country or mobile carrier of the user is not supported  507 , purchase controller  405  stops the purchase process and informs the user about not supported country or mobile carrier via mobile device display  508 . If country and mobile carrier are in the list of supported values  507 , purchase controller  405  obtains respective purchase instructions  513  from embedded database controller  404 . 
     Once purchase instructions are obtained  513 , purchase controller  405  prepares payment request  509  by launching native messaging application  602  of mobile device and fills SMS short message payment request using the purchase instructions previously obtained from web component  409 . User is asked to confirm filled payment request and complete the payment  510  by pressing the corresponding button (for example SEND button) of native messaging application of mobile device. If the button is pressed, purchase is completed  512 . If CANCEL button is pressed or user exits messaging application, purchase is cancelled  511 . In the event of user exiting the application or not making any activity within predetermined time at any of the steps before the purchase is completed, the purchase is automatically cancelled. 
     In an alternative embodiment the present invention includes a method of updating purchasing instructions and payment request templates stored in embedded database controller  404 . If an available network connection is detected  503  by purchase controller  405 , a latest copy of purchasing instructions and payment request templates is obtained from data converter  407  of server component  406  and stored to embedded database controller  404 . 
     In an alternative embodiment the present invention comprises a method of obtaining MSISDN value by the device controller  403  in case such value is provided by operating system  402  of the device. MSISDN value may be further used for identifying the user and facilitating the purchase process. 
     In the illustrative embodiments  601  and  602  of  FIG. 6  an illustrative example of method of automatic compilation of payment request  601  and prefilled payment request via messaging application of mobile device  602 . 
     Referring to  FIG. 1 ,  FIG. 2 ,  FIG. 3  and  FIG. 4 ,  FIG. 7  depicts the fourth embodiment combining and integrating first, second and third embodiments of the present invention. Mobile device component  704  is a further development of device controller, connected to device core platform  701 , software component, connected to database file  702  and handset with mobile web browser connected to messaging component  703 . Server  706  and database components  707  are the further development of data computing facility with associated converters  705  and remote server  708 . 
     While the invention has been illustrated and described in detail in the foregoing drawings and description, the same is to be considered as illustrative and not restrictive in character, it being understood that only illustrative embodiments thereof have been shown and described and that all changes and modifications that come within the spirit of the invention are desired to be protected.