Systems and methods to restrict payment transactions
First Claim
1. A computer-implemented method executed by an interchange computing device for managing transactions between a merchant server and a consumer having a telephonic apparatus, comprising:
- storing, in the interchange computing device, restriction data in association with a phone number, the restriction data having at least one of a merchant and a merchant category;
receiving, in the interchange computing device, a payment request from the merchant server identifying the phone number, and a merchant identifier associated with the merchant server;
determining, by the interchange computing device, whether the restriction data is applicable to the merchant as identified by the merchant identifier;
if the restriction data is applicable to the merchant then determining, by the interchange computing device, whether to reject the payment request based at least in part on the restriction data;
if the payment request is not rejected based on the restriction data;
communicating, by the interchange computing device, with the telephonic apparatus at the phone number to confirm the payment request,after confirmation of the payment request, transmitting, by the interchange computing device, a notification to the merchant, andfulfilling, by the interchange computing device, the payment request using funds associated with the phone number;
if the payment request is rejected based on the restriction data then determining whether the restriction data can be modified;
if the restriction data can be modified then seeking, with the interchange computing device, authorization to modify the restriction data;
if the authorization is received to modify the restriction data then;
communicating, by the interchange computing device, with the telephonic apparatus at the phone number to confirm the payment request,after confirmation of the payment request, transmitting, by the interchange computing device, a notification to the merchant, andfulfilling, by the interchange computing device, the payment request using funds associated with the phone number; and
if the payment authorization is not received then refusing, by the interchange computing device, fulfilling of the payment request.
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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.
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Citations
18 Claims
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1. A computer-implemented method executed by an interchange computing device for managing transactions between a merchant server and a consumer having a telephonic apparatus, comprising:
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storing, in the interchange computing device, restriction data in association with a phone number, the restriction data having at least one of a merchant and a merchant category; receiving, in the interchange computing device, a payment request from the merchant server identifying the phone number, and a merchant identifier associated with the merchant server; determining, by the interchange computing device, whether the restriction data is applicable to the merchant as identified by the merchant identifier; if the restriction data is applicable to the merchant then determining, by the interchange computing device, whether to reject the payment request based at least in part on the restriction data; if the payment request is not rejected based on the restriction data; communicating, by the interchange computing device, with the telephonic apparatus at the phone number to confirm the payment request, after confirmation of the payment request, transmitting, by the interchange computing device, a notification to the merchant, and fulfilling, by the interchange computing device, the payment request using funds associated with the phone number; if the payment request is rejected based on the restriction data then determining whether the restriction data can be modified; if the restriction data can be modified then seeking, with the interchange computing device, authorization to modify the restriction data; if the authorization is received to modify the restriction data then; communicating, by the interchange computing device, with the telephonic apparatus at the phone number to confirm the payment request, after confirmation of the payment request, transmitting, by the interchange computing device, a notification to the merchant, and fulfilling, by the interchange computing device, the payment request using funds associated with the phone number; and if the payment authorization is not received then refusing, by the interchange computing device, fulfilling of the payment request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A non-transitory computer-readable storage medium storing instructions which, when executed by a computer, cause the computer to perform a method executed by an interchange computing device for managing transactions between a merchant server and a consumer having a telephonic apparatus, the method comprising:
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storing, in the interchange computing device, restriction data in association with a phone number, the restriction data having at least one of a merchant and a merchant category; receiving, in the interchange computing device, a payment request from the merchant server identifying the phone number, and a merchant identifier associated with the merchant server; determining, by the interchange computing device, whether the restriction data is applicable to the merchant as identified by the merchant identifier; if the restriction data is applicable to the merchant then determining, by the interchange computing device, whether to reject the payment request based at least in part on the restriction data; if the payment request is not rejected based on the restriction data; communicating, by the interchange computing device, with the telephonic apparatus at the phone number to confirm the payment request, after confirmation of the payment request, transmitting, by the interchange computing device, a notification to the merchant, and fulfilling, by the interchange computing device, the payment request using funds associated with the phone number; if the payment request is rejected based on the restriction data then determining whether the restriction data can be modified; if the restriction data can be modified then seeking, with the interchange computing device, authorization to modify the restriction data; if the authorization is received to modify the restriction data then; communicating, by the interchange computing device, with the telephonic apparatus at the phone number to confirm the payment request, after confirmation of the payment request, transmitting, by the interchange computing device, a notification to the merchant, and fulfilling, by the interchange computing device, the payment request using funds associated with the phone number; and if the payment authorization is not received then refusing, by the interchange computing device, fulfilling of the payment request.
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18. A system, comprising:
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a data storage facility to store restriction data in association with a phone number, the restriction data having at least one of a merchant and a merchant category; and an interchange computing device for managing transactions between a merchant server and a consumer having a telephonic apparatus coupled with the data storage facility, the interchange computing device 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 from the merchant server identifying the phone number, and a merchant identifier associated with the merchant server, the common format processor determines, by the interchange computing device, whether the restriction data is applicable to the merchant as identified by the merchant identifier; if the restriction data is applicable to the merchant then determining whether to reject the payment request based at least in part on the restriction data; if the payment request is not rejected based on the restriction data; the common format processor uses one converter of the converters to communicate, by the interchange computing device, with a telephonic apparatus at the phone number to confirm the payment request; the common format processor transmits, by the interchange computing device, a notification to the merchant after confirmation of the payment request; and fulfilling, by the interchange computing device, the payment request using funds associated with the phone number; if the payment request is rejected based on the restriction data then determining whether the restriction data can be modified; if the restriction data can be modified then seeking, with the interchange computing device, authorization to modify the restriction data; if the authorization is received to modify the restriction data then; i. communicating, by the interchange computing device, with the telephonic apparatus at the phone number to confirm the payment request, ii. after confirmation of the payment request, transmitting, by the interchange computing device, a notification to the merchant, and iii. fulfilling, by the interchange computing device, the payment request using funds associated with the phone number; and if the payment authorization is not received then refusing, by the interchange computing device, fulfilling of the payment request.
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Specification