Systems and methods for implementing mobile bill payment functionality in mobile commerce
a mobile bill payment and mobile commerce technology, applied in the field of mobile commerce, can solve the problems of cumbersome implementation of many commercial transactions
Inactive Publication Date: 2014-03-20
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AI Technical Summary
Benefits of technology
Enhances user experience by simplifying bill payment processes, integrating loyalty programs, and improving merchant-consumer communication, enabling quick and efficient transaction management on mobile devices.
Problems solved by technology
However, many commercial transactions are still cumbersome to implement since many conventional point-of-sale (POS) terminals and devices, payment processing systems, and smartphone interfaces are not configured for user-friendly transactions.
Method used
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Certain Example Implementations and Embodiments
[0035]An example architecture or environment for a system 100 according various embodiments of the disclosure is shown in and described with respect to FIG. 1. A mobile commerce application program or module, such as 102, can be stored in memory 104 at a server device 106. In certain embodiments, a mobile commerce application program or module, such as 108, can be stored in memory 110 at a merchant system computer 112 or associated merchant device 114. In certain embodiments, a mobile commerce application program or module, such as 116(1), can be stored in memory 118(1) at a mobile device 120(1) associated with a consumer 122(1) or user. In any instance, one or more mobile commerce application programs or modules operating on respective computers, servers and / or mobile devices can implement some or all of the functionality described herein.
[0036]As shown in FIG. 1, the system 100 may include or otherwise support one or more merchant sys...
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This disclosure describes systems, methods, and computer-readable media related to facilitating mobile bill payment functionality in mobile commerce. In some embodiments, a user device comprising one or more processors may receive a notification from a financial institution, wherein the notification comprises information associated with a bill. The user device may display the notification. The user device may receive, from a user, an indication for an action associated with a payment of the bill. In some embodiments, the user device may process the action associated with the payment of the bill.
Description
RELATED APPLICATIONS[0001]This application claims priority to U.S. Ser. No. 61 / 699,728, titled “Systems and Methods for Implementing Mobile Commerce,” filed on Sep. 11, 2012, and to U.S. Ser. No. 61 / 799,676, titled “Systems and Methods for Implementing Mobile Commerce,” filed on Mar. 15, 2013, the entire contents of both are hereby incorporated by reference.FIELD OF THE DISCLOSURE[0002]The disclosure generally relates to mobile commerce, and more particularly, to systems and methods for implementing mobile bill payment functionality in mobile commerce.BACKGROUND[0003]Commercial transactions to purchase certain goods and services are being implemented by consumers using mobile devices, such as smartphones. However, many commercial transactions are still cumbersome to implement since many conventional point-of-sale (POS) terminals and devices, payment processing systems, and smartphone interfaces are not configured for user-friendly transactions.BRIEF DESCRIPTION OF THE DISCLOSURE[000...
Claims
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IPC IPC(8): G06Q20/10
CPCG06Q20/102G06Q20/24G06Q20/4037G06Q20/42B60S3/00G06Q30/0233G06Q30/0267G06Q20/02G06Q30/0222G06Q20/3265G06Q20/321G06Q40/03G06Q20/40G06Q20/3224G06Q30/0625G06Q30/0633G06Q20/204H04L63/083G06Q20/3223G06Q20/3276G06Q20/3278
Inventor SANCHEZ, J. SCOTTROYYURU, VIJAY KUMARMYERS, JEROME WENDELL
Owner FIRST DATA