Systems and Methods to Facilitate Electronic Payments
First Claim
1. A computer-implemented method, comprising:
- receiving an account identifier from a user;
associating the account identifier with a telephone number of the user using a computer;
receiving at the computer a request for a payment via the telephone number;
in response to the request, transmitting a message to a telephone at the telephone number of the user to prompt the user to confirm the request for the payment;
receiving a confirmation of the request from the telephone; and
in response to the confirmation, communicating with a financial institution to charge the user according to the account identifier to fulfill the request for the payment.
8 Assignments
0 Petitions
Accused Products
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.
151 Citations
20 Claims
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1. A computer-implemented method, comprising:
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receiving an account identifier from a user; associating the account identifier with a telephone number of the user using a computer; receiving at the computer a request for a payment via the telephone number; in response to the request, transmitting a message to a telephone at the telephone number of the user to prompt the user to confirm the request for the payment; receiving a confirmation of the request from the telephone; and in response to the confirmation, communicating with a financial institution to charge the user according to the account identifier to fulfill the request for the payment. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A computer-readable storage media storing instructions, the instructions causing a computer to perform a method, the method comprising:
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receiving an account identifier from a user; associating the account identifier with a telephone number of the user using a computer; receiving at the computer a request for a payment via the telephone number; in response to the request, transmitting a message to a telephone at the telephone number of the user to prompt the user to confirm the request for the payment; receiving a confirmation of the request from the telephone; and in response to the confirmation, communicating with a financial institution to charge the user according to the account identifier to fulfill the request for the payment.
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19. A system, comprising:
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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 instruct a first controller of the controllers, via a first converter of the converters, to transmit a message to a telephone at the telephone number of the user to prompt the user to confirm the request for the payment and to receive a confirmation of the request from the telephone, the common format processor to communicate with a server of a financial institution to charge the user according to the account identifier to fulfill the request for the payment. - View Dependent Claims (20)
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Specification