Systems and methods to facilitate repeated purchases
First Claim
1. A computer-implemented method, comprising:
- processing, by a computing device, a previous payment transaction by a user of a phone number;
receiving, by a computing device, an authorization from the user of the phone number, the authorization being associated with the previous payment and including an option to authorize a merchant to request a subsequent payment on behalf of the user;
storing, by the computing device, the authorization data in association with the phone number to indicate a user selection of the option;
receiving, by the computing device, a payment request from the merchant;
determining, by the computing device, whether the authorization data is stored in association with the previous payment transaction;
if the authorization data is not stored in association with the previous payment transaction, rejecting, by the computing device, the payment request; and
if the authorization data is stored in association with the previous payment transaction, processing, by the computing device, the payment request.
3 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods are provided to facilitate repeated purchase and payment transactions. In one aspect, a system includes an interchange and a data storage facility configured to store payment transaction records associated with phone numbers. 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. The common format processor is configured to identify a prior payment transaction associated with a phone number in response to a message from a mobile phone having the phone number, communicate with a merchant to repeat a purchase according to the prior payment transaction, and transmit via one of the converters premium messages to the mobile phone to collect funds for a payment to repeat the purchase.
291 Citations
14 Claims
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1. A computer-implemented method, comprising:
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processing, by a computing device, a previous payment transaction by a user of a phone number; receiving, by a computing device, an authorization from the user of the phone number, the authorization being associated with the previous payment and including an option to authorize a merchant to request a subsequent payment on behalf of the user; storing, by the computing device, the authorization data in association with the phone number to indicate a user selection of the option; receiving, by the computing device, a payment request from the merchant; determining, by the computing device, whether the authorization data is stored in association with the previous payment transaction; if the authorization data is not stored in association with the previous payment transaction, rejecting, by the computing device, the payment request; and if the authorization data is stored in association with the previous payment transaction, processing, by the computing device, the payment request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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Specification