Patent ID: 8214289

Claim:
A system comprising: a server computing device configured to communicate with a network-based device via a network using a short code; a bill code, wherein: the bill code corresponds to a bill owed to a biller; the server computing device is configured to receive a reply via the short code and including the bill code from the network based device; the server computing device is configured to determine whether or not the reply is in response to a message initiated by a financial servicer provider (FSP) and: in response to the reply being to an FSP-initiated message, accept the reply as authentic; and in response to the reply being to a non-FSP-initiated message, require a security verification to be included in the reply; the server computing device is configured to identify the corresponding bill owed to the biller in response to receiving the reply corresponding to the bill code from the network based device; and the server computing device is configured to transfer to the biller a payment corresponding to the bill in response to receiving the reply corresponding to the bill code from the network based device.