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Systems and methods to provide information

  • US 9,990,623 B2
  • Filed: 03/18/2009
  • Issued: 06/05/2018
  • Est. Priority Date: 03/02/2009
  • Status: Active Grant
First Claim
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1. A computer-implemented method, comprising:

  • receiving at an interchange computer a web request from a server computer of a merchant including an amount and a mobile phone number of a user entered by the user in relation to a transaction of the user at a third party website on the server;

    wherein the user starts a web session by using a password associated with the mobile phone number and is authenticated by communication with the mobile phone device;

    identifying, by the interchange, a user account on a data storage facility coupled to the interchange computer, based on the phone number entered by the user;

    determining, by the interchange computer, user information in the user account;

    wherein communicating, by the interchange computer, with a mobile phone device of the user at the mobile phone number of the user to obtain approval for providing the user information to the third party website, wherein the communicating comprises at least one of a first process and a second process,(i) the first process including;

    (a) transmitting a first code to die mobile phone at the phone number;

    (b) providing a web page to the mobile phone in response to the web request as part of a web authorization initiated on the mobile phone; and

    (c) receiving a second code in the web page in the server computer;

    (d) wherein the first code is matched with the second code to determine whether to approve the providing of the user information to the third party website,(ii) the second process including;

    (a) providing from the server computer a first code in a web page on the mobile phone in response to the web request as part of a web authorization initiated on the mobile phone; and

    (b) receiving a second code from the mobile phone;

    (c) wherein the first code is matched with the second code to determine whether to approve the providing of the user information to the third party website;

    providing, by the interchange computer, the user information to the third party website when the determination is made to approve the providing of the user information to the third party website;

    making, by the interchange computer, a payment to the server computer in accordance with the web request, using funds associated with the user account; and

    charging, by the interchange computer, the user account on the data storage facility coupled to the interchange computer, wherein the interchange computer is different from the server computer, based on the amount received in the web request.

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