Systems and methods to control online transactions

• US 8,116,730 B2
• Filed: 03/17/2009
• Issued: 02/14/2012
• Est. Priority Date: 01/23/2009
• Status: Active Grant

• Current Assignee: Boku Incorporated
• Original Assignee: Vidicom Limited
• Inventors: Smith, Glyn Barry
• Primary Examiner(s): Agosta, Steve D
• Application Number:
  US12/406,077
• Publication Number:
  US 20100190471A1
• Time in Patent Office: 1,064 Days
• Field of Search: 455/41.2, 455/41.3, 455/406, 455/407, 455/408, 455/422.1, 455/466, 455418-420, 455/414.1, 705/1, 705/7, 705/17, 705/26, 705/38, 705/44, 705/64, 705/67, 235/380, 726/4
• US Class Current: 455/408
• CPC Class Codes: G06Q 10/06316 Sequencing of tasks or work
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/2295 Parent-child type, e.g. where parent has control on child rights
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

Systems and methods are provided to control online transactions via mobile communications. In one aspect, a system includes a data storage facility to store data associating a first telephone number with a second telephone 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 a plurality of 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. The common format processor is to receive a payment request including the first telephone number, identify the second telephone number based on the data, and communicate with a mobile phone at the second telephone number for approval of the payment request.

Claims

1. A method implemented on a data processing system, the method comprising:

receiving a payment request at a server computer, the payment request including a first telephone number;

communicating with a mobile phone at the first telephone number for confirmation of the payment request, prior to the communicating with a mobile phone at a second telephone number for approval of the payment request, wherein the communicating with the mobile phone at the first telephone number comprises receiving a confirmation message from the mobile phone at the first telephone number;

identifying the second telephone number based on data stored in a database connected to the server computer, the data associating the first telephone number with the second telephone number;

communicating with the mobile phone at the second telephone number for approval of the payment request, wherein the communicating with the mobile phone at the second telephone number comprises forwarding at least a portion of the confirmation message to the mobile phone at the second telephone number; and

in response to the payment request being approved via the mobile phone at the second telephone number, processing the payment request using funds collected via the second telephone number, including collecting funds from an account associated with the second telephone number to process the payment response, after the payment request is approved via the mobile phone at the second telephone number.

2. The method of claim 1, further comprising:

in response to the payment request being approved via the mobile phone at the second telephone number, transmitting at least one premium message to the mobile phone at the second telephone number to collect the funds.

3. The method of claim 1, further comprising:

in response to the payment request being approved via the mobile phone at the second telephone number, identifying a financial account associated with the second telephone number; and

electronically communicating with a financial institution to collect funds from the financial account.

4. The method of claim 1, wherein communicating with the mobile phone at the second telephone number comprises receiving an advance approval at the server computer from the mobile phone, prior to the receiving of the payment request, and the method further comprises:

storing the advance approval in the database; and

approving the payment request based on the advance approval stored in the database.

5. The method of claim 4, wherein the advance approval includes a budget limit, and the approving of the payment request is based at least in part on the payment request meeting the budget limit.

6. The method of claim 5, wherein the advance approval further includes an expiration limit, and the approving of the payment request is based at least in part on the payment request being received before the expiration limit.

7. The method of claim 1, further comprising:

communicating with a telecommunication carrier to obtain the data associating the first telephone number with the second telephone number.

8. The method of claim 1, further comprising:

presenting a web-based user interface to a user of the first telephone number to receive the first telephone number and an age of the user; and

in response to the age of the user being under a predetermined threshold, prompting the user to provide the second telephone number of a guardian of the user.

9. The method of claim 1, further comprising:

receiving an indication of association between the first telephone number and the second telephone number from a user of the mobile phone at the second telephone number.

10. The method of claim 9, further comprising:

receiving an indication of association between the first telephone number and the second telephone number from a mobile phone at the first telephone number.

11. The method of claim 1, wherein the communicating with the mobile phone at the second telephone number for approval of the payment request comprises:

transmitting an electronic message to the mobile phone; and

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

12. The method of claim 11, wherein the electronic message is transmitted to the mobile phone via short message service (SMS), and the reply is received from the mobile phone via short message service (SMS).

13. The method of claim 1, wherein a telecommunication carrier of the mobile phone at the first telephone number is in a first country, and the telecommunication carrier of the mobile phone at the second telephone number is in a second country different from the first country.

14. The method of claim 1, further comprising:

transmitting an electronic message to a mobile phone at the first telephone number,

the electronic message including a code identifying the payment request; and

wherein the communicating with a mobile phone at the second telephone number for

approval of the payment request comprises receiving the code from the mobile phone at the second telephone number.

15. The method of claim 1, further comprising:

receiving from a user of the mobile phone at the second telephone number at least one restriction on payment requests originated from the first telephone number;

storing data indicating at least one restriction; and

determining whether the payment request received at the server computer is in compliance with the at least one restriction;

wherein the communicating with the mobile phone at the second telephone number for approval of the payment request is after a determination that the payment request received at the server computer is in compliance with the at least one restriction.

16. The method of claim 15, wherein the at least one restriction is based on at least one of:

budget, time of payment requests, frequency of payment requests, and purchase category of payment requests.

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

receiving a payment request at a server computer, the payment request including a first telephone number;

communicating with a mobile phone at the first telephone number for confirmation of the payment request, prior to the communicating with a mobile phone at a second telephone number for approval of the payment request, wherein the communicating with the mobile phone at the first telephone number comprises receiving a confirmation message from the mobile phone at the first telephone number;

identifying the second telephone number based on data stored in a database connected to the server computer, the data associating the first telephone number with the second telephone number;

communicating with the mobile phone at the second telephone number for approval of the payment request, wherein the communicating with the mobile phone at the second telephone number comprises forwarding at least a portion of the confirmation message to the mobile phone at the second telephone number; and

in response to the payment request being approved via the mobile phone at the second telephone number, processing the payment request using funds collected via the second telephone number, including collecting funds from an account associated with the second telephone number to process the payment response, after the payment request is approved via the mobile phone at the second telephone number.

18. A system, comprising:

a data storage facility to store data associating a first telephone number with a second telephone 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, the common format processor to receive a payment request including the first telephone number, to communicate with a mobile phone at the first telephone number for confirmation of the payment request, prior to the communicating with a mobile phone at a second telephone number for approval of the payment request, wherein the communicating with the mobile phone at the first telephone number comprises receiving a confirmation message from the mobile phone at the first telephone number and to identify the second telephone number based on the data stored in the data storage facility associating the first telephone number and the second telephone number, the common format processor to instruct a first controller of the controllers, via a first converter of the converters, to communicate with the mobile phone at the second telephone number for approval of the payment request wherein the communicating with the mobile phone at the second telephone number comprises forwarding at least a portion of the confirmation message to the mobile phone at the second telephone number, wherein the system is to process the payment request using funds collected via the second telephone number, in response to the payment request being approved via the mobile phone at the second telephone number, including collecting funds from an account associated with the second telephone number to process the payment response, after the payment mobile phone at the second telephone number.

19. A method implemented on a data processing system, the method comprising:

receiving a payment request at a server computer, the payment request including a first telephone number;

communicating with a mobile phone at the first telephone number for confirmation of the payment request, prior to the communicating with a mobile phone at a second telephone number for approval of the payment request;

identifying the second telephone number based on data stored in a database connected to the server computer, the data associating the first telephone number with the second telephone number;

communicating with the mobile phone at the second telephone number for approval of the payment request; and

in response to the payment request being approved via the mobile phone at the second telephone number, processing the payment request using funds collected via the second telephone number, including collecting funds from an account associated with the second telephone number to process the payment response, after the payment request is approved via the mobile phone at the second telephone number, wherein a telecommunication carrier of the mobile phone at the first telephone number is in a first country, and the telecommunication carrier of the mobile phone at the second telephone number is in a second country different from the first country.

20. The method of claim 19, further comprising:

in response to the payment request being approved via the mobile phone at the second telephone number, transmitting at least one premium message to the mobile phone at the second telephone number to collect the funds.

21. The method of claim 19, further comprising:

in response to the payment request being approved via the mobile phone at the second telephone number, identifying a financial account associated with the second telephone number; and

electronically communicating with a financial institution to collect funds from the financial account.

22. The method of claim 19, wherein communicating with the mobile phone at the second telephone number comprises receiving an advance approval at the server computer from the mobile phone, prior to the receiving of the payment request, and the method further comprises:

storing the advance approval in the database; and

approving the payment request based on the advance approval stored in the database.

23. The method of claim 22, wherein the advance approval includes a budget limit, and the approving of the payment request is based at least in part on the payment request meeting the budget limit.

24. The method of claim 23, wherein the advance approval further includes an expiration limit, and the approving of the payment request is based at least in part on the payment request being received before the expiration limit.

25. The method of claim 19, further comprising:

communicating with a telecommunication carrier to obtain the data associating the first telephone number with the second telephone number.

26. The method of claim 19, further comprising:

presenting a web-based user interface to a user of the first telephone number to receive the first telephone number and an age of the user; and

in response to the age of the user being under a predetermined threshold, prompting the user to provide the second telephone number of a guardian of the user.

27. The method of claim 19, further comprising:

receiving an indication of association between the first telephone number and the second telephone number from a user of the mobile phone at the second telephone number.

28. The method of claim 27, further comprising:

receiving an indication of association between the first telephone number and the second telephone number from a mobile phone at the first telephone number.

29. The method of claim 19, wherein the communicating with the mobile phone at the second telephone number for approval of the payment request comprises:

transmitting an electronic message to the mobile phone; and

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

30. The method of claim 29, wherein the electronic message is transmitted to the mobile phone via short message service (SMS), and the reply is received from the mobile phone via short message service (SMS).

31. The method of claim 19, wherein the communicating with the mobile phone at the first telephone number comprises receiving a confirmation message from the mobile phone at the first telephone number, and the communicating with the mobile phone at the second telephone number comprises forwarding at least a portion of the confirmation message to the mobile phone at the second telephone number.

32. The method of claim 19, further comprising:

transmitting an electronic message to a mobile phone at the first telephone number,

the electronic message including a code identifying the payment request; and

wherein the communicating with a mobile phone at the second telephone number for

approval of the payment request comprises receiving the code from the mobile phone at the second telephone number.

33. The method of claim 19, further comprising:

receiving from a user of the mobile phone at the second telephone number at least one restriction on payment requests originated from the first telephone number;

storing data indicating at least one restriction; and

determining whether the payment request received at the server computer is in compliance with the at least one restriction;

wherein the communicating with the mobile phone at the second telephone number for approval of the payment request is after a determination that the payment request received at the server computer is in compliance with the at least one restriction.

34. The method of claim 33, wherein the at least one restriction is based on at least one of:

budget, time of payment requests, frequency of payment requests, and purchase category of payment requests.

35. A tangible, non-transitory computer-readable storage media storing instructions, the instructions causing a server computer to perform a method, the method comprising:

receiving a payment request at a server computer, the payment request including a first telephone number;

communicating with a mobile phone at the first telephone number for confirmation of the payment request, prior to the communicating with a mobile phone at a second telephone number for approval of the payment request;

identifying the second telephone number based on data stored in a database connected to the server computer, the data associating the first telephone number with the second telephone number;

communicating with the mobile phone at the second telephone number for approval of the payment request; and

in response to the payment request being approved via the mobile phone at the second telephone number, processing the payment request using funds collected via the second telephone number, including collecting funds from an account associated with the second telephone number to process the payment response, after the payment request is approved via the mobile phone at the second telephone number, wherein a telecommunication carrier of the mobile phone at the first telephone number is in a first country, and the telecommunication carrier of the mobile phone at the second telephone number is in a second country different from the first country.

36. A system, comprising:

a data storage facility to store data associating a first telephone number with a second telephone 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, the common format processor to receive a payment request including the first telephone number, to communicate with a mobile phone at the first telephone number for confirmation of the payment request, prior to the communicating with a mobile phone at a second telephone number for approval of the payment request, and to identify the second telephone number based on the data stored in the data storage facility associating the first telephone number and the second telephone number, the common format processor to instruct a first controller of the controllers, via a first converter of the converters, to communicate with the mobile phone at the second telephone number for approval of the payment request, wherein the system is to process the payment request using funds collected via the second telephone number, in response to the payment request being approved via the mobile phone at the second telephone number, including collecting funds from an account associated with the second telephone number to process the payment response, after the payment request is approved via the mobile phone at the second telephone number, wherein a telecommunication carrier of the mobile phone at the first telephone number is in a first country, and the telecommunication carrier of the mobile phone at the second telephone number is in a second country different from the first country.