US 12,393,942 B2
Method for mobile network operator-based payment system
Cosmin-Gabriel Ene, Zollikon (CH); and Martin Hans, Bad Salzdetfurth (DE)
Assigned to Supertab AG, Steinhausen (CH)
Filed by Supertab AG, Steinhausen (CH)
Filed on Apr. 6, 2022, as Appl. No. 17/714,790.
Application 17/714,790 is a continuation of application No. 17/051,045, abandoned, previously published as PCT/EP2019/060785, filed on Apr. 26, 2019.
Claims priority of provisional application 62/663,653, filed on Apr. 27, 2018.
Prior Publication US 2022/0230170 A1, Jul. 21, 2022
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); H04L 67/02 (2022.01); H04W 4/20 (2018.01)
CPC G06Q 20/401 (2013.01) [G06Q 20/3226 (2013.01); G06Q 20/3821 (2013.01); H04L 67/02 (2013.01); H04W 4/20 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method for a payment system having direct access to a mobile communication network via a stand-alone data network, the mobile communication network including at least one Policy Control Function (“PCF”), at least one Authentication and Mobility Function (“AMF”), at least one Session Management Function (“SMF”), at least one User Data Management (“UDM”), at least one User Plane Function (“UPF”) and at least one Application function (AF”), wherein a user device (“UE”) registered with the mobile communication network requests a first purchase by accessing a content provider system via an internet data network in communication with the mobile communication network in a first Protocol Data Unit (“PDU”) session of the mobile communication network, comprising the steps of:
a. the content provider system redirecting the UE to the payment system via the internet data network in communication with the mobile communication network;
b. the UE requesting a second PDU session to connect to the payment system over the stand-alone data network via the at least one AMF and at least one SMF of the mobile communication system;
c. the payment system receiving via the at least one UPF, over the second PDU session in the mobile communication network, a request for payment of a purchase amount for the first purchase;
d. the payment system transmitting a request signal to the at least one AF of the mobile communication network for a network identifier of the UE based on an identification of the second PDU session, wherein the at least one AF is operable to receive the network identifier from the at least one PCF or the at least one UDM;
e. receiving, from the at least one AF of the mobile communication network, the network identifier of the UE in response to the transmitted request signal for such identifier, wherein the network identifier is specific to the UE and the payment system;
f. transmitting a script to the UE to determine whether at least one data token of the UE is maintained in a memory of the UE indicative of a prior communication between the UE and the payment system and/or the content provider system or in the at least one UDM in association with the network identifier of the UE;
g. generating a second data token when only one data token is maintained in the memory of the UE and the only one token is indicative of a prior communication between the UE and content provider system, wherein the generated data token is indicative of a communication between the UE and the payment system;
h. if generated, transmitting the generated data token to the UE for storage when the generated data token is not determined to be maintained in the UE memory;
i. transmitting at least one of the generated data token or the at least one data token via the at least one AF for storage in the at least one UDM in association with the network identifier of the UE;
j. determining, based on the network identifier of the UE, a credit worthiness indicator associated with the UE;
k. transmitting an authorization signal to the UE, the authorization signal including access credentials for the UE to provide to the content provider system for the requested purchase, without concurrently requiring payment from the UE for the purchases when the creditworthiness indicator satisfies predetermined conditions;
l. monitoring a total outstanding purchase balance of an account associated with the UE; and
m. transmitting a request signal for the UE for settlement of at least a part of the total outstanding purchase balance of the account associated with network identifier of the UE if the total outstanding purchase balance exceeds a predetermined threshold amount.