Systems and Methods to Approve Electronic Payments
First Claim
1. A computer-implemented method, comprising:
- communicating by a server computer with a user terminal over a data communications network;
confirming an identity of the user of the user terminal prior to the user submitting a payment request to the server computer from the user terminal over the data communications network;
receiving the payment request from the user terminal, the payment request including a telephone number of the user;
approving the payment request based on the confirming of the identity of the user; and
processing the payment request using funds associated with the telephone number.
8 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store an account identifier of a user and a phone number of the user and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange uses the converters to communicate with the mobile phone of a user to confirm the identity of the user using a user terminal separate from the mobile phone for subsequent payment requests from the user terminal to be fulfilled using the account identifier.
265 Citations
20 Claims
-
1. A computer-implemented method, comprising:
-
communicating by a server computer with a user terminal over a data communications network; confirming an identity of the user of the user terminal prior to the user submitting a payment request to the server computer from the user terminal over the data communications network; receiving the payment request from the user terminal, the payment request including a telephone number of the user; approving the payment request based on the confirming of the identity of the user; and processing the payment request using funds associated with the telephone number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
-
-
19. A computer-readable storage media storing instructions, the instructions causing a computer to perform a method, the method comprising:
-
communicating by a server computer with a user terminal over a data communications network; confirming an identity of the user of the user terminal prior to the user submitting a payment request to the server computer from the user terminal over the data communications network; receiving the payment request from the user terminal, the payment request including a telephone number of the user; approving the payment request based on the confirming of the identity of the user; and processing the payment request using funds associated with the telephone number.
-
-
20. A system, comprising:
-
a data storage facility to store and associate an account identifier of a user with a telephone number of the user; and an interchange coupled with the data storage facility, the interchange including a common format processor and a plurality of converters to interface with a plurality of controllers, the converters configured to communicate with the controllers in different formats, the converters to communicate with the common format processor in a common format, the common format processor to instruct a first controller of the controllers, via a first converter of the converters, to communicate with a telephone at the telephone number of the user to confirm an identity of the user of a user terminal separate from the telephone, subsequent to confirming the identity of the user, the interchange to receive a payment request including the phone number of the user from the user terminal, the interchange to approve the payment request based at least in part on the confirming of the identity of the user and to process the payment request using the account identifier stored and associated with the telephone number on the data storage facility.
-
Specification