Systems and methods to facilitate electronic payments

• US 9,652,761 B2
• Filed: 03/17/2009
• Issued: 05/16/2017
• Est. Priority Date: 01/23/2009
• Status: Active Grant

• Current Assignee: Boku Incorporated
• Original Assignee: Boku Incorporated
• Inventors: Smith, Glyn Barry
• Primary Examiner(s): OYEBISI, OJO O
• Application Number:
  US12/406,073
• Publication Number:
  US 20100191646A1
• Time in Patent Office: 2,982 Days
• Field of Search: 705 25, 705 39, 705 40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• 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

Abstract

Systems and methods are provided to facilitate online transactions via mobile communications. 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 the converters are configured to communicate with the common format processor in a common format to facilitate electronic payment transactions using the account identifier.

Claims

1. A computer-implemented method, comprising:

receiving a bank account identifier from a user at an interchange computer;

associating, at the interchange computer, the bank account identifier with a telephone number serving as an account identifier at the interchange computer of the user using a user terminal;

receiving, at the interchange computer a request for a payment from a payee computer connected to the user terminal, wherein a page with a domain of the payee is displayed by the user terminal;

in response to the request, transmitting by the interchange computer a page to the user terminal to prompt the user to confirm the request for the payment, including a selection of an option by a user between a payment associated with the bank account identifier and a payment associated with the telephone number, the page having a domain of the interchange computer that is different from the domain of the payee;

receiving by the interchange computer a confirmation of the request from the user terminal using the page having the domain of the interchange computer, including the option by the user;

directing a display of the user terminal back to the domain of the payee after receiving the option;

in response to the confirmation, selecting and executing one of a first process and a second process by the interchange computer based on the option by the user, the first process including transmitting, by the interchange computer, a confirmation message to a mobile phone at the telephone number, determining, by the interchange computer, whether a reply message is received from the mobile phone at the telephone number, and, if a confirmation is received, then communicating by the interchange computer with a financial institution to charge the user according to the bank account identifier to fulfill the request for the payment associated with the bank account identifier, and the second process including transmitting, by the interchange computer, a confirmation message to a mobile phone at the telephone number, determining, by the interchange computer, whether a reply message is received from the mobile phone at the telephone number, and, if a confirmation is received, then communicating, by the interchange computer, with the computer with a carrier to charge the user according to an account associated with the telephone number at the carrier to fulfill the request for the payment if the option by the user is for payment associated with the phone number; and

paying, by the interchange computer, the payee computer an amount based on the request.

2. The method of claim 1, wherein the user terminal comprises the mobile phone;

and the message is transmitted to the mobile phone via short message service (SMS).

3. The method of claim 1, wherein the message includes one of:

a voice message, a text message, an email message, and an instant message.

4. The method of claim 1, wherein the bank account identifier includes at least one of:

a credit card number, a bank account number, and a charge card number.

5. The method of claim 1, wherein the message transmitted to the telephone at the telephone number of the user prompts the user to select one option from a plurality of payment options, including charging the user according to the bank account identifier and charging the user via a bill for the telephone number.

6. The method of claim 1, wherein the bank account identifier is received with the confirmation of the request.

7. The method of claim 1, wherein the account identifier at the computer is identified in the payment options via an alias.

8. The method of claim 1, further comprising:

transferring an amount from an account of an operator of the computer to a payee to fulfill the request for the payment.

9. The method of claim 1, further comprising:

authenticating the user before transmitting the message to the telephone.

10. The method of claim 9, further comprising:

determining whether the authentication includes a correct code, wherein the communicating with the financial institution is in response to the correct code in the confirmation.

11. The method of claim 10, wherein the code comprises a personal identification number (PIN) associated with the telephone number.

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

receiving a bank account identifier from a user at an interchange computer;

associating, at the interchange computer, the bank account identifier with a telephone number serving as an account identifier at the interchange computer of the user using a user terminal;

receiving, at the interchange computer a request for a payment from a payee computer connected to the user terminal, wherein a page with a domain of the payee is displayed by the user terminal;

in response to the request, transmitting by the interchange computer a page to the user terminal to prompt the user to confirm the request for the payment, including a selection of an option by a user between a payment associated with the bank account identifier and a payment associated with the telephone number, the page having a domain of the interchange computer that is different from the domain of the payee;

receiving by the interchange computer a confirmation of the request from the user terminal using the page having the domain of the interchange computer, including the option by the user;

directing a display of the user terminal back to the domain of the payee after receiving the option;

in response to the confirmation, selecting and executing one of a first process and a second process by the interchange computer based on the option by the user, the first process including transmitting, by the interchange computer, a confirmation message to a mobile phone at the telephone number, determining, by the interchange computer, whether a reply message is received from the mobile phone at the telephone number, and, if a confirmation is received, then communicating by the interchange computer with a financial institution to charge the user according to the bank account identifier to fulfill the request for the payment associated with the bank account identifier, and the second process including transmitting, by the interchange computer, a confirmation message to a mobile phone at the telephone number, determining, by the interchange computer, whether a reply message is received from the mobile phone at the telephone number, and, if a confirmation is received, then communicating, by the interchange computer, with the computer with a carrier to charge the user according to an account associated with the telephone number at the carrier to fulfill the request for the payment if the option by the user is for payment associated with the phone number; and

paying, by the interchange computer, the payee computer an amount based on the request.

13. A system, comprising:

a data storage facility to store and associate an account identifier of a user with a phone number of the user; 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 bank account identifier from a user at an interchange computer;

associate, at the interchange computer, the bank account identifier with a telephone number serving as an account identifier at the interchange computer of the user using a user terminal;

receive, at the interchange computer a request for a payment from a payee computer connected to the user terminal, wherein a page with a domain of the payee is displayed by the user terminal;

in response to the request, transmit by the interchange computer a page to the user terminal to prompt the user to confirm the request for the payment, including a selection of an option by a user between a payment associated with the bank account identifier and a payment associated with the telephone number, the page having a domain of the interchange computer that is different from the domain of the payee;

receive by the interchange computer a confirmation of the request from the user terminal using the page having the domain of the interchange computer, including the option by the user;

direct a display of the user terminal back to the domain of the payee after receiving the option;

in response to the confirmation, select and execute one of a first process and a second process by the interchange computer based on the option by the user, the first process including transmitting, by the interchange computer, a confirmation message to a mobile phone at the telephone number, determining, by the interchange computer, whether a reply message is received from the mobile phone at the telephone number, and, if a confirmation is received, then communicating by the interchange computer with a financial institution to charge the user according to the bank account identifier to fulfill the request for the payment associated with the bank account identifier, and the second process including transmitting, by the interchange computer, a confirmation message to a mobile phone at the telephone number, determining, by the interchange computer, whether a reply message is received from the mobile phone at the telephone number, and, if a confirmation is received, then communicating, by the interchange computer, with the computer with a carrier to charge the user according to an account associated with the telephone number at the carrier to fulfill the request for the payment if the option by the user is for payment associated with the phone number; and

pay, by the interchange computer, the payee computer an amount based on the request.

14. The system of claim 13, wherein the common format processor further includes a mobile message generator.