US Patent No. 9,672,512

PROCESSOR ROUTING NUMBER FOR MOBILE COMMUNICATION SERVICE PROVIDER BILLING


Patent No. 9,672,512
Issue Date June 06, 2017
Title Processor Routing Number For Mobile Communication Service Provider Billing
Inventorship Michael A. Gailloux, Overland Park, KS (US)
Brian T. Smith, Leavenworth, KS (US)
Assignee Sprint Communications Company L.P., Overland Park, KS (US)

Claim of US Patent No. 9,672,512

1. A system for payment approval at a point-of-sale (POS) terminal comprising:
a POS terminal for processing a transaction involving a payment;
a mobile communication device in communication with the POS terminal and a service provider server, the mobile communication
device comprising:

a near field communication (NFC) transceiver;
a radio transceiver;
a display;
a processor;
a non-transitory memory; and
an application stored in the non-transitory memory of the mobile communication device that, when executed by the processor
of the mobile communication device:

in response to receiving a message from the POS terminal, presents a prompt to input identification information on the display,
receives the identification information,
transmits, in response to receiving the identification information, a request for a processor routing number via the radio
transceiver to the service provider server, wherein the processor routing number is a non-exclusive account number that is
also used by other mobile communication devices that are not associated with a service account corresponding to the mobile
communication device;

receives, from the service provider server, the processor routing number via the radio transceiver, and
transmits, to the POS terminal via the near field communication transceiver, the processor routing number and metadata that
comprises at least one of a phone number of the mobile communication device or an equipment identification of the mobile communication
device;

a payment processor server in communication with the POS terminal and the service provider server, the payment processor server
comprising:

a processor;
a non-transitory memory; and
a payment processor application stored in the non-transitory memory of the payment processor server that, upon execution by
the processor of the payment processor server:

receives a payment process request from the POS terminal, wherein the payment process request comprises the processor routing
number and the metadata,

based on the processor routing number in the payment process request, determines that the processor routing number is not
a standard credit card number and is to be processed as a service provider billing transaction with the service provider sever,
and

based on the determination, sends a payment authorization request to the service provider server corresponding to the processor
routing number; and

the service provider server in communication with the POS terminal and the payment processer server, the service provider
server comprising:

a processor;
a non-transitory memory; and
a billing application stored in the non-transitory memory of the service provider server that, when executed by the processor
of the service provider server:

receives, from the payment processor server, the payment authorization request, including the processor routing number and
the metadata that was transmitted by the mobile communication device comprised in the payment process request,

identifies the service account corresponding to the mobile communication device based on the received metadata,
approves the payment authorization request based on the identified service account being in good standing, and
based on the approval, sends a payment approval message to the payment processor server, wherein the payment processor server
sends the payment approval message to the POS terminal and the POS terminal completes the transaction based on the payment
approval message.