Patent SG-11201806703Q-A (SG)
Title: System and method for bill payment through message on a mobile communication device
Inventor: DESHMUKH RAKESH
IPC: G06Q20/38
Filed: 2017-02-07
Abstract: INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (10) International Publication Number (43) International Publication Date WO 2017/137882 Al 17 August 2017 (17.08.2017) WIPO I PCT (51) International Patent Classification: G06Q 20/32 (2012.01) G06Q 20/38 (2012.01) G06Q 20/36 (2012.01) (21) International Application Number: PCT/IB2017/050641 (22) International Filing Date: 7 February 2017 (07.02.2017) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 10201600952P 8 February 2016 (08.02.2016) SG (71) Applicant: OSLABS PTE. LTD. [SG/SG]; 30 Cecil Street, #10-05 Prudential Tower, Singapore 049712 (SG). (72) Inventors: DESHMUKH, Rakesh; 122 Anjani Nagar, Airport Road, Indore,Madhya Pradesh, India, Indore 452001 (IN). BANGARAMBANDI, Sudhir; 202, DE- COR, Indian Bank Officer's Qtrs, Shastri Nagar, Near Lokhandwala Circle, Andheri (W),Mumbai, Maharashtra, India, Mumbai 400053 (IN). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Declarations under Rule 4.17: — of inventorship (Rule 4.17(iv)) Published: — with international search report (Art. 21(3)) before the expiration of the time limit for amending the claims and to be republished in the event of receipt of amendments (Rule 48.2(h)) (54) Title: SYSTEM AND METHOD FOR BILL PAYMENT THROUGH MESSAGE ON A MOBILE COMMUNICATION = DEVICE FIG. 1 100 (57) : The present invention provides a system and method for enabling a user to make bill payment through bill notifica- tion SMS received by the user. In one embodiment, the smart bill payment is enabled on a mobile communication device of the user by a smart bill payment application installed in the mobile communication device. In another embodiment, a feature embedded in the operating system of the mobile communication device enables the smart bill payment. The system identifies a bill payment SMS re- ceived on the mobile communication device and prompts the user to initiate payment through the bill payment SMS. Once the user initiates the payment, the user is directed to a bill payment application displaying the payment page with a preferred mode of pay- ment and details of payment being prefilled. The user is enabled to make payment by clicking submit button to complete the pay- ment. 1111111111111101110111111111110101111101110111011111111H1101011111111111110111111 W O 20 17 / 137 88 2 Al