Patent ID: 8751389

Claim:
A payment/information processing method comprising: receiving, by an electronic circuit of a mobile communication device, a payment/information processing statement for a customer by a short message service (SMS) message, the payment/information processing statement comprising an online payment/information URL personalized to uniquely identify the customer; extracting the online payment/information URL from the SMS message by the electronic circuit; accessing a mobile-optimized web page using the online payment/information URL, by the electronic circuit; receiving a customer's online payment/information form by the electronic circuit; displaying the online payment/information form on the mobile communication device without the customer logging in or preregistering, the online payment/information form comprising data fields pre-populated with available customer information derived from the online payment/information URL; completing data in the online payment/information form as needed by the customer; and sending the completed online payment/information form to a secure payment form server.