Systems and Methods to Restrict Payment Transactions
First Claim
1. A computer-implemented method, comprising:
- storing, in a computing device, restriction data in association with a phone number;
receiving, in the computing device, a payment request identifying the phone number and a merchant;
determining, by the computing device, whether to reject the payment request based at least in part on the restriction data and an identity of the merchant;
if the payment request is not rejected based on the determining, communicating with a telephonic apparatus at the phone number to confirm the payment request; and
after confirmation of the payment request, transmitting a notification to the merchant.
7 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods are provided to selectively restrict payment transactions. In one aspect, a system includes: a data storage facility to store restriction data in association with a phone number; and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with mobile controllers. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format. In response to a payment request identifying the phone number and a merchant, the common format processor determines whether to reject the payment request based at least in part on the restriction data and the identity of the merchant. If the request is not rejected, the common format processor uses one of the converters to communicate with a telephonic apparatus at the phone number to confirm the payment request.
113 Citations
20 Claims
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1. A computer-implemented method, comprising:
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storing, in a computing device, restriction data in association with a phone number; receiving, in the computing device, a payment request identifying the phone number and a merchant; determining, by the computing device, whether to reject the payment request based at least in part on the restriction data and an identity of the merchant; if the payment request is not rejected based on the determining, communicating with a telephonic apparatus at the phone number to confirm the payment request; and after confirmation of the payment request, transmitting a notification to the merchant. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A computer-readable storage medium storing instructions which, when executed by a computer, cause the computer to perform a method, the method comprising:
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storing, in a computing device, restriction data in association with a phone number; receiving, in the computing device, a payment request identifying the phone number and a merchant; determining, by the computing device, whether to reject the payment request based at least in part on the restriction data and an identity of the merchant; if the payment request is not rejected based on the determining, communicating with a telephonic apparatus at the phone number to confirm the payment request; and after confirmation of the payment request, transmitting a notification to the merchant.
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19. A system, comprising:
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a data storage facility to store restriction data in association with a phone number; 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; wherein, in response to a payment request identifying the phone number and a merchant, the common format processor determines whether to reject the payment request based at least in part on the restriction data and an identity of the merchant; if the payment request is not rejected based on the determining, the common format processor uses one converter of the converters to communicate with a telephonic apparatus at the phone number to confirm the payment request; and the common format processor transmits a notification to the merchant after confirmation of the payment request. - View Dependent Claims (20)
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Specification