Systems and Methods to Provide Information

• US 20100223183A1
• Filed: 03/18/2009
• Published: 09/02/2010
• Est. Priority Date: 03/02/2009
• Status: Active Grant

• Current Assignee: Boku Incorporated
• Original Assignee: Boku Incorporated
• Inventors: SMITH, Glyn Barry
• Granted Patent: US 9,990,623 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety
• CPC Class Codes: H04M 1/72445 for supporting Internet browser applications
• CPC Class Codes: H04M 15/00 Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
• CPC Class Codes: H04M 15/41 Billing record details, i.e. parameters, identifiers, structure of call data record [CDR]
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 15/80 Rating or billing plans; Tariff determination aspects
• CPC Class Codes: H04M 2215/0164 Billing record, e.g. Call Data Record [CDR], Toll Ticket[TT], Automatic Message Accounting [AMA], Call Line Identifier [CLI], details, i.e. parameters, identifiers, structure
• CPC Class Codes: H04M 2215/0196 Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
• CPC Class Codes: H04M 2215/74 Rating aspects, e.g. rating parameters or tariff determination apects
• CPC Class Codes: H04W 4/24 Accounting or billing

Abstract

Systems and methods are to provide information to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store and associate personal information of a user with a telephone 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 approve the providing of the personal information from the data storage facility to a website.

Claims

1. A computer-implemented method, comprising:

receiving a web request at a server computer, the web request including a phone number of a user and related to a transaction at a third party website;

identifying user information stored on a data storage facility coupled to the server computer, based on the phone number of the user; and

providing the user information to a third party website.

2. The method of claim 1, further comprising:

communicating with a mobile phone of the user at the phone number of the user to obtain approval for the providing of the user information to the third party website.

3. The method of claim 2, wherein the communicating comprises:

transmitting a message to the mobile phone at the phone number; and

receiving a reply to the message back from the mobile phone.

4. The method of claim 3, wherein the message and reply are transmitted via short message service (SMS).

5. The method of claim 2, wherein the communicating comprises:

transmitting a first code to the mobile phone at the phone number;

providing a web page in response to the web request; and

receiving a second code in the web page in the server computer;

wherein the first code is matched with the second code to determine whether to approve the providing of the user information to the third party website.

6. The method of claim 2, wherein the communicating comprises:

providing from the server computer a first code in a web page in response to the web request; and

receiving a second code from the mobile phone;

wherein the first code is matched with the second code to determine whether to approve the providing of the user information to the third party website.

7. The method of claim 2, wherein the communicating comprises:

receiving, from the mobile phone at the phone number, a first personal identification number (PIN);

wherein the first PIN is matched with a second PIN associated with the phone number in the data storage facility to determine whether to approve the providing of the user information to the third party website.

8. The method of claim 2, further comprising:

making a payment to the third party website in accordance with the web request, using funds associated with the phone number of the user.

9. The method of claim 8, further comprising:

collecting the funds via at least one premium message originated from or terminated at the mobile phone at the phone number.

10. The method of claim 1, wherein the user information includes an address of the user.

11. The method of claim 1, wherein the user information includes a login credential of the user at the third party website.

12. The method of claim 1, wherein the user information includes financial account information of the user.

13. The method of claim 12, wherein the financial account information includes one of:

a credit card number, a debit card number, and a bank account number.

14. The method of claim 1, wherein the providing of the user information comprises redirecting the web request to the third party website with the user information applied to the web request redirected to the third party.

15. The method of claim 14, wherein the web request received in the server computer is redirected from the third party website.

16. The method of claim 15, wherein the phone number in the web request is provided by the user to the third party website prior to the web request being redirected from the third party website to the server computer.

17. The method of claim 14, wherein the phone number of the user is received in the web request after the user receives a web page from the server computer.

18. The method of claim 1, wherein the providing of the user information comprises transmitting the user information to the third party website via a web service.

19. A computer-readable storage media storing instructions, the instructions causing a computer to perform a method, the method comprising:

receiving a web request at a server computer, the web request including a phone number of a user and related to a transaction at a third party website;

identifying user information stored on a data storage facility coupled to the server computer, based on the phone number of the user; and

providing the user information to a third party website.

20. A system, comprising:

a data storage facility to store and associate personal information 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 approve providing the personal information from the data storage facility to a website.