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Systems and Methods to Facilitate Electronic Payments

  • US 20100191646A1
  • Filed: 03/17/2009
  • Published: 07/29/2010
  • Est. Priority Date: 01/23/2009
  • Status: Active Grant
First Claim
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1. A computer-implemented method, comprising:

  • receiving an account identifier from a user;

    associating the account identifier with a telephone number of the user using a computer;

    receiving at the computer a request for a payment via the telephone number;

    in response to the request, transmitting a message to a telephone at the telephone number of the user to prompt the user to confirm the request for the payment;

    receiving a confirmation of the request from the telephone; and

    in response to the confirmation, communicating with a financial institution to charge the user according to the account identifier to fulfill the request for the payment.

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