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Systems and Methods to Automate the Initiation of Transactions via Mobile Devices

  • US 20110125610A1
  • Filed: 11/18/2010
  • Published: 05/26/2011
  • Est. Priority Date: 11/20/2009
  • Status: Abandoned Application
First Claim
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1. A computer-implemented method, comprising:

  • receiving, in a computer, a web confirmation from a user, the web confirmation to confirm a first payment to a merchant and to provide an authorization to initiate communications with a mobile phone of the user for one or more subsequent payments to the merchant;

    transmitting a message, by the computer responsive to the web confirmation, to the mobile phone of the user in response to the web confirmation, the message requesting the user to provide a reply to confirm the first payment;

    after receiving the reply, making the first payment to the merchant using funds associated with a phone number of the mobile phone of the user;

    after the first payment, receiving by the computer a request from the merchant for a second payment from the user, the request containing information identifying the phone number of the mobile phone of the user;

    initiating, by the computer based on the authorization, communications with the mobile phone of the user to confirm the second payment; and

    after confirmation of the second payment via the mobile phone of the user, making the second payment to the merchant using funds associated with the phone number of the mobile phone of the user.

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