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.