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SYSTEMS AND METHODS TO SECURE TRANSACTIONS VIA MOBILE DEVICES

  • US 20110143711A1
  • Filed: 12/07/2010
  • Published: 06/16/2011
  • Est. Priority Date: 12/10/2009
  • Status: Active Grant
First Claim
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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 the transaction;

    determining, by the server computer, a value indicating a risk of the request being fraudulent, based on personal identification information of the first party; and

    after the transaction is confirmed and if the risk as indicated by the value is below a threshold, 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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