Systems and Methods to Confirm Transactions via Mobile Devices
First Claim
1. A computer-implemented method, comprising:
- receiving in a server computer a request for a transaction between a first party and a second party, the request including an indication of a phone number of the first party and an amount to be paid to the second party;
in response to the request, communicating by the server computer with a mobile phone at the phone number to confirm, via a personal identification number of the first party, the transaction; and
after the transaction is confirmed via the personal identification number of the first party, transmitting by the server computer one or more premium messages to the mobile phone to collect, via a telecommunication carrier of the mobile phone, funds in accordance with the amount to be paid to the second party.
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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 controllers in different formats; and the converters are configured to communicate with the common format processor in a common format to facilitate electronic payment transactions using the account identifier.
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Citations
20 Claims
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1. A computer-implemented method, comprising:
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receiving in a server computer a request for a transaction between a first party and a second party, the request including an indication of a phone number of the first party and an amount to be paid to the second party; in response to the request, communicating by the server computer with a mobile phone at the phone number to confirm, via a personal identification number of the first party, the transaction; and after the transaction is confirmed via the personal identification number of the first party, transmitting by the server computer one or more premium messages to the mobile phone to collect, via a telecommunication carrier of the mobile phone, funds in accordance with the amount to be paid to the second party. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A computer-readable storage media storing instructions, the instructions causing a computer to perform a method, the method comprising:
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receiving in a server computer a request for a transaction between a first party and a second party, the request including an indication of a phone number of the first party and an amount to be paid to the second party; in response to the request, communicating by the server computer with a mobile phone at the phone number to confirm, via a personal identification number of the first party, the transaction; and after the transaction is confirmed via the personal identification number of the first party, transmitting by the server computer one or more premium messages to the mobile phone to collect, via a telecommunication carrier of the mobile phone, funds in accordance with the amount to be paid to the second party.
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20. A system, comprising:
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a data storage facility to store and associate a personal identification number with a mobile phone number of a 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 mobile phone at the mobile phone number of the user to confirm a request via the personal identification number and, after the request is confirmed, to communicate one or more premium messages to the mobile phone to collect, via a telecommunication carrier of the mobile phone, funds in accordance with the request.
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Specification