Transaction authorization service
First Claim
1. A system for scheduling events, comprising:
- one or more processors; and
memory having stored thereon program instructions that when executed by the one or more processors cause at least one of the one or more processors to implement;
registering users with a service center for a transaction authorization service and a text reminder service, wherein registering the users comprises receiving contact information of the users;
receiving, at the service center from a particular registered user of the registered users for the text reminder service via a first communication channel, a scheduling text message specifying an event to be scheduled between the particular registered user and a third party, wherein the scheduling text message includes contact information for the third party;
in response to receiving the scheduling text message, storing, by the text reminder service, an indication of the event;
at a predetermined time prior to the event, sending a reminder text message regarding the event based on the stored indication of the event to the particular registered user and to the third party based on the contact information for the third party;
receiving, at the service center from the particular registered user for the transaction authorization service via a second communication channel, a transaction text message specifying an initiation of a transaction between the particular registered user and another third party, the transaction text message comprises contact information for the other third party, wherein the second communication channel is different from the first communication channel;
in response to receiving the transaction text message, sending, to the particular registered user based on the contact information for the particular register user, an authorization request text message indicating a request for authorization of the transaction to the other third party; and
in response to receiving the authorization of the transaction, sending, to the other third party based on the contact information for the other third party, an authorization text message indicating that the transaction is authorized.
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Accused Products
Abstract
System and method for authorizing transactions, such as payments or money transfers. A source entity may initiate a transaction with a target entity via a first communications channel. In initiating the transaction, the source entity may indicate that the transaction is to be performed through a transaction authorization service. The target entity may send a transaction initiation message to the transaction authorization service. In response to receiving the transaction initiation message, the service may authorize the transaction with the source entity via a second communications channel. To authorize the transaction, the source entity may provide a PIN number or other identifier via the second communications channel. After receiving and validating the response from the source entity, the transaction authorization service may inform the target entity that the transaction is authorized. The target entity may then complete the transaction with the transaction authorization service and the source entity.
139 Citations
27 Claims
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1. A system for scheduling events, comprising:
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one or more processors; and memory having stored thereon program instructions that when executed by the one or more processors cause at least one of the one or more processors to implement; registering users with a service center for a transaction authorization service and a text reminder service, wherein registering the users comprises receiving contact information of the users; receiving, at the service center from a particular registered user of the registered users for the text reminder service via a first communication channel, a scheduling text message specifying an event to be scheduled between the particular registered user and a third party, wherein the scheduling text message includes contact information for the third party; in response to receiving the scheduling text message, storing, by the text reminder service, an indication of the event; at a predetermined time prior to the event, sending a reminder text message regarding the event based on the stored indication of the event to the particular registered user and to the third party based on the contact information for the third party; receiving, at the service center from the particular registered user for the transaction authorization service via a second communication channel, a transaction text message specifying an initiation of a transaction between the particular registered user and another third party, the transaction text message comprises contact information for the other third party, wherein the second communication channel is different from the first communication channel; in response to receiving the transaction text message, sending, to the particular registered user based on the contact information for the particular register user, an authorization request text message indicating a request for authorization of the transaction to the other third party; and in response to receiving the authorization of the transaction, sending, to the other third party based on the contact information for the other third party, an authorization text message indicating that the transaction is authorized. - View Dependent Claims (2, 3)
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4. A method, comprising:
performing, by a text reminder service implemented on one or more computing devices; receiving, from a registered user of the text reminder service via a first communication channel, a text message specifying an event scheduled between the registered user and a third party for which the registered user would like to receive a reminder text message in advance of the event, wherein the text message includes contact information for the third party; in response to receiving the text message, recording an indication of the event based on data indicated in the text message; and prior to the event, sending the reminder text message to both the registered user and to the third party, wherein the reminder text message indicates the event identified in the recorded indication; and performing, by a transaction authorization service implemented on the one or more computing devices; receiving, from the registered user for the transaction authorization service via a second communication channel, a transaction text message specifying an initiation of a transaction between the particular registered user and another third party, the transaction text message comprises contact information for the other third party, wherein the second communication channel is different from the first communication channel; in response to receiving the transaction text message, sending, to the registered user, an authorization request text message indicating a request for authorization of the transaction to the other third party; and in response to receiving the authorization of the transaction, sending, to the other third party based on the contact information for the other third party, an authorization text message indicating that the transaction is authorized. - View Dependent Claims (5, 6, 7, 8, 9, 10, 11, 12)
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13. A system, comprising:
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one or more processors; and a memory comprising program instructions, wherein the program instructions are executable by the one or more processors to implement a service center configured to; receive, via a first communication channel, a scheduling request specifying an event to be scheduled between a user of a text reminder service and a third party, wherein the scheduling request includes contact information for the third party; record an indication of the event in response to the scheduling request; prior to the event, send a reminder text message to the user and to the third party, wherein the reminder text message indicates the event; receive, via a second communication channel, a transaction authorization request specifying an initiation of a transaction between the user and another third party, the transaction authorization request comprises contact information for the other third party, wherein the second communication channel is different from the first communication channel; and in response to receiving the transaction authorization request, sending, to the user, an authorization request text message indicating a request for authorization of the transaction to the other third party; and in response to receiving the authorization of the transaction, sending, to the other third party based on the contact information for the other third party, an authorization text message indicating that the transaction is authorized. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A non-transitory computer-accessible storage medium comprising program instructions, wherein the program instructions are configured to implement a service center configured to:
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register a user with a text reminder service and a transaction authorization service of the service center, wherein to register the user, the service center is configured to receive contact information of the user; receive, from the registered user of the text reminder service via a first communication channel, a scheduling request specifying an event to be scheduled between the registered user and a third party for which the registered user would like to receive a reminder text message in advance of the event, wherein the scheduling request includes contact information for the third party; in response to the scheduling request, record an indication of the event specified in the scheduling request; prior to the event, send the reminder text message to both the registered user and to the third party, wherein the reminder text message indicates the event based on the recorded indication; receive, from the registered user of the transaction authorization service via a second communication channel, a transaction authorization request specifying an initiation of a transaction between the registered user and another third party, the transaction authorization request comprises an amount for the transaction and contact information for the other third party, wherein the second communication channel is different from the first communication channel; in response to receiving the transaction authorization request, send, to the registered user based on the contact information for the user, an authorization request text message indicating a request for authorization of the transaction to the other third party; and in response to receiving the authorization of the transaction, sending, to the other third party based on the contact information for the other third party, an authorization text message indicating that the transaction is authorized. - View Dependent Claims (24, 25, 26, 27)
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Specification