Mobile device payment system and method

Abstract

A mobile device payment system and method, the method for a mobile device user to purchase goods/services from merchants with financing by a mobile device manufacturer including: providing a mobile device; establishing a user account; establishing merchant accounts; transforming the merchant accounts into a universal merchant account data set; providing the universal merchant account data set to the mobile device user; storing the universal merchant account data set; requesting the mobile device manufacturer to load consumer credit; loading the credit amount; identifying goods/services for purchase; determining a total price for the identified goods/services and a merchant identifier associated with the selected merchant; actuating a purchase button; retrieving merchant bank deposit instructions; retrieving purchase credit; and routing the retrieved credit to the selected merchant in accordance with the retrieved merchant credit deposit instructions.

1 . A method for a mobile device user to purchase goods/services from a merchant with financing by a mobile device manufacturer, the method comprising:
 providing a mobile device from the mobile device manufacturer to the mobile device user, the mobile device having a permanent identifier embedded in the mobile device;   establishing a user account for the mobile device user with the mobile device manufacturer, the user account associating the mobile device user with the permanent identifier and a shipping address;   establishing a merchant account for the merchant with the mobile device manufacturer;   identifying on the mobile device goods/services for purchase by the mobile device user;   sending an electronic order for the identified goods/services from the mobile device to the merchant, the electronic order including the permanent identifier and goods/services details for the identified goods/services, and no additional information about the mobile device user;   sending a shipping address request including the permanent identifier to the mobile device manufacturer;   sending the shipping address from the mobile device manufacturer to the merchant in response to the sending a shipping address request;   shipping the goods/services from the merchant to the mobile device user at the shipping address in response to the sending an electronic order;   sending an electronic invoice from the merchant to the mobile device manufacturer in response to the shipping the goods/services; and   transferring funds of the mobile device manufacturer to the merchant as an electronic merchant payment in response to the sending an electronic invoice.   
     
     
         2 . The method of  claim 1  wherein the mobile device manufacturer is a mobile device manufacturer. 
     
     
         3 . The method of  claim 1  wherein the mobile device manufacturer is a mobile phone network operator. 
     
     
         4 . The method of  claim 1  wherein the sending a shipping address request comprises sending the shipping address request including the permanent identifier from the merchant to the mobile device manufacturer in response to the sending an electronic order. 
     
     
         5 . The method of  claim 1  wherein the sending a shipping address request comprises sending the electronic order including the permanent identifier from the mobile device to the mobile device manufacturer. 
     
     
         6 . A method for a mobile device user to purchase goods/services from a merchant with financing by a mobile device manufacturer, the method comprising:
 setting up a user account for the mobile device user with the mobile device manufacturer;   setting up a user account for the merchant with the mobile device manufacturer;   identifying goods/services desired by the mobile device user on a display of the mobile device;   sending an electronic order for the identified goods/services to the merchant from the display of the mobile device;   shipping the goods/services from the merchant to the mobile device user in response to the sending an electronic order;   sending an electronic invoice from the merchant to the mobile device manufacturer in response to the shipping the goods/services; and   sending electronic merchant payment from the mobile device manufacturer to the merchant in response to the sending an invoice.   
     
     
         7 . The method of  claim 6  further comprising:
 sending an electronic bill from the mobile device manufacturer to the mobile device user; and 
 sending user payment from the mobile device user to the mobile device manufacturer in response to the sending an electronic invoice. 
 
     
     
         8 . The method of  claim 6  further comprising:
 setting up a revolving line of credit for the mobile device user with the mobile device manufacturer; 
 sending an electronic bill from the mobile device manufacturer to the mobile device user; and 
 periodically sending partial user payment from the mobile device user to the mobile device manufacturer in response to the sending an electronic bill. 
 
     
     
         9 . The method of  claim 6  further comprising:
 sending an electronic mobile device user identification request from the merchant to the mobile device manufacturer in response to the sending an electronic order; 
 sending a mobile device user status from the mobile device manufacturer to the merchant in response to the sending an electronic mobile device user identification request; and 
 the shipping the goods/services comprises canceling the shipping the goods/services when the mobile device user status is not acceptable. 
 
     
     
         10 . The method of  claim 6  further comprising:
 sending an electronic mobile device user identification request from the merchant to the mobile device manufacturer in response to the sending an electronic order; 
 sending a mobile device user status from the mobile device manufacturer to the merchant in response to the sending an electronic mobile device user identification request; and 
 shutting down the mobile device when the mobile device user status is not acceptable. 
 
     
     
         11 . The method of  claim 6  wherein the sending an electronic order comprises sending an electronic order for the identified goods/services to the merchant from the display of the mobile device by the mobile device user clicking on a single button on the display of the mobile device. 
     
     
         12 . The method of  claim 6  wherein the electronic order includes a mobile device user identifier. 
     
     
         13 . The method of  claim 12  wherein the mobile device user identifier is constant for all electronic orders. 
     
     
         14 . The method of  claim 12  wherein the mobile device user identifier is a unique identifier generated by the mobile device for the electronic order. 
     
     
         15 . The method of  claim 6  wherein the identifying goods/services desired further comprises providing a mobile device user identifier to the merchant. 
     
     
         16 . The method of  claim 15  wherein the electronic order does not include a mobile device user identifier. 
     
     
         17 . The method of  claim 6  wherein the mobile device manufacturer is solely responsible for in-house bank functions for the user account. 
     
     
         18 . The method of  claim 6  wherein the mobile device manufacturer performs in-house bank functions selected from the group consisting of transaction capture, transaction processing, bank conductivity, bank statement processing, reconciliation, and bank statement distribution. 
     
     
         19 . The method of  claim 6  wherein the mobile device is selected from the group consisting of a smart phone and a digital tablet.