Systems and methods to process transaction requests

• US 8,359,005 B2
• Filed: 02/06/2012
• Issued: 01/22/2013
• Est. Priority Date: 04/20/2009
• Status: Active Grant

• Current Assignee: Boku Incorporated
• Original Assignee: Boku Incorporated
• Inventors: Smith, Glyn Barry, Kingston, Jonathan Michael
• Primary Examiner(s): Afshar, Kamran
• Assistant Examiner(s): MATHARU, MANPREET S
• Application Number:
  US13/366,793
• Publication Number:
  US 20120142312A1
• Time in Patent Office: 351 Days
• Field of Search: 455/407, 455/466, 713/167, 713/168, 713/176, 713/173, 370/389, 370/390
• US Class Current: 455/407
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

Systems and methods are provided to facilitate on-site processing of transaction requests. 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 to communicate with the common format processor in a common format to transmit a message to a telephone at the telephone number of the user to prompt the user to confirm a request and to receive a confirmation of the request via the telephone. The request is received via a user interface embedded in a web page of a first website without reloading or refreshing the web page.

Claims

1. A computer-implemented method, comprising:

embedding a reference to a user interface on an interchange computer system within a web page of a server computer system, the server computer system being different from the interchange computer system and the reference calling the user interface from the interchange computer system;

transmitting the user interface in response to the call from the reference, the user interface including an identification field to receive an identifier, the web page being transmitted from the server computer system to a user terminal, the user terminal being different from the server computer system and the interchange computer system, and the user interface being located within the web page when displayed at the user terminal such that a user at the user terminal enters the account identifier in the identifier field;

receiving the identifier in the interchange computer system via the user interface displayed within the web page at the user terminal;

processing a charge based on the identifier at the interchange computer system; and

displaying in the user interface an indication of the charge without the web page of the server computer system being reloaded.

2. The method of claim 1, further comprising:

communicating with a mobile phone at the phone number received in the interchange computer system via the user interface to obtain a confirmation of a transaction indicated in the web page;

in response to the confirmation, communicating with the mobile phone to collect funds for the transaction via a telecommunication carrier of the mobile phone.

3. The method of claim 2, wherein the communicating with the mobile phone to obtain the confirmation comprises:

transmitting a code to the mobile phone.

4. The method of claim 3, further comprising:

receiving the code in the user interface to confirm the transaction without the web page being reloaded.

5. The method of claim 3, wherein the communicating with the mobile phone to obtain the confirmation comprises:

receiving the code from the mobile phone to confirm the transaction.

6. The method of claim 2, wherein the communicating with the mobile phone to obtain the confirmation comprises:

transmitting a message to the mobile phone; and

receiving a reply to the message from the mobile phone.

7. The method of claim 2, further comprising:

providing a code in the user interface without the web page being refreshed, wherein the communicating with the mobile phone to obtain the confirmation comprises receiving the code from the mobile phone to confirm the transaction.

8. The method of claim 1, wherein the communicating with the mobile phone to obtain the confirmation comprises:

receiving a personal identification number (PIN) associated with the phone number to confirm the transaction.

9. The method of claim 1, further comprising:

presenting in the user interface a price associated with the transaction without the web page being reloaded.

10. The method of claim 1, wherein the user interface is implemented via Ajax.

11. The method of claim 1, wherein the user interface is rendered according to a reference to a location in the interchange computer system, the reference being embedded in the web page and including first information about the transaction provided from the server computer system to the interchange computer system.

12. The method of claim 11, wherein the first information includes an amount of funds to be collected.

13. The method of claim 12, wherein the interchange computer system is configured to provide instructions to render the user interface in response to the reference.

14. The method of claim 13, further comprising:

presenting the amount in the user interface to request the phone number for the confirmation.

15. The method of claim 14, wherein the first information further comprises an identification of the transaction, and the method further comprises:

transmitting from the interchange computer system to the server computer system a message, including the identification, to indicate approval of the transaction after the confirmation.

16. The method of claim 14, further comprising:

propagating the indication of the confirmation from the user interface to a portion of the web page outside the user interface to allow the user to continue the transaction with the server computer system via interacting with the portion of the web page.

17. The method of claim 1, wherein the receiving the identifier in the interchange computer system via the user interface presented within the web page at the user terminal comprises:

communicating the identifier from a browser presenting the web page to the interchange computer system without going through the server computer system.

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

embedding a reference to a user interface on an interchange computer system within a web page of a server computer system, the server computer system being different from the interchange computer system and the reference calling the user interface from the interchange computer system;

transmitting the user interface in response to the call from the reference, the user interface including an identification field to receive an identifier, the web page being transmitted from the server computer system to a user terminal, the user terminal being different from the server computer system and the interchange computer system, and the user interface being located within the web page when displayed at the user terminal such that a user at the user terminal enters the account identifier in the identifier field;

receiving the identifier in the interchange computer system via the user interface displayed within the web page at the user terminal;

processing a charge based on the identifier at the interchange computer system; and

displaying in the user interface an indication of the charge without the web page of the server computer system being reloaded.