Systems and Methods to Process Transaction Requests

• US 20100267362A1
• Filed: 06/04/2009
• Published: 10/21/2010
• Est. Priority Date: 04/20/2009
• Status: Active Grant

• Current Assignee: Boku Incorporated, Vidicom Limited
• Original Assignee: Boku Incorporated
• Inventors: Smith, Glyn Barry, Kingston, Jonathan Michael
• Granted Patent: US 8,131,258 B2
• Time in Patent Office: Days
• US Class Current: 455/407
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

Systems and methods are provided to facilitate on-site processing of transaction requests. 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 to communicate with the common format processor in a common format to transmit a message to a telephone at the telephone number of the user to prompt the user to confirm a request and to receive a confirmation of the request via the telephone. The request is received via a user interface embedded in a web page of a first website without reloading or refreshing the web page.

Claims

1. A computer-implemented method, comprising:

presenting a user interface within a web page of a first website, the user interface to receive a phone number from a user of the web page;

receiving the phone number in a second website via the user interface presented within the web page of the first website;

communicating with a mobile phone at the phone number received via the user interface to obtain a confirmation of a transaction indicated in the web page of the first website;

in response to the confirmation, communicating with the mobile phone to collect funds for the transaction via a telecommunication carrier of the mobile phone; and

presenting in the user interface an indication of the confirmation without the web page being reloaded.

2. The method of claim 1, wherein the communicating with the mobile phone to obtain the confirmation comprises:

transmitting a one time code to the mobile phone.

3. The method of claim 2, further comprising:

receiving the one time code in the user interface to confirm the transaction without the web page being reloaded.

4. The method of claim 2, wherein the communicating with the mobile phone to obtain the confirmation comprises:

receiving the one time code from the mobile phone to confirm the transaction.

5. The method of claim 1, wherein the communicating with the mobile phone to obtain the confirmation comprises:

transmitting a message to the mobile phone; and

receiving a reply to the message from the mobile phone.

6. The method of claim 1, further comprising:

providing a one time code in the user interface without the web page being refreshed;

wherein the communicating with the mobile phone to obtain the confirmation comprises receiving the one time code from the mobile phone to confirm the transaction.

7. The method of claim 1, wherein the communicating with the mobile phone to obtain the confirmation comprises:

receiving a personal identification number (PIN) associated with the phone number to confirm the transaction.

8. The method of claim 1, further comprising:

presenting in the user interface a price associated with the transaction without the web page being reloaded.

9. The method of claim 1, wherein the communicating with the mobile phone to collect the funds comprises:

determining a set of premium messages according to an amount of the funds; and

transmitting the set of premium messages to the mobile phone to cause the telecommunication carrier to collect the funds.

10. The method of claim 1, wherein the user interface is implemented via Ajax.

11. The method of claim 1, wherein the user interface is rendered according to a reference to a location in the second website, the reference being embedded in the web page and including first information about the transaction provided from the first website to the second website.

12. The method of claim 11, wherein the first information includes an amount of the funds to be collected.

13. The method of claim 12, wherein the second website is configured to provide instructions to render the user interface in response to the reference.

14. The method of claim 13, further comprising:

presenting the amount in the user interface to request the phone number for the confirmation.

15. The method of claim 14, wherein the first information further comprises an identification of the transaction, and the method further comprises:

transmitting from the second website to the first website a message, including the identification, to indicate approval of the transaction after the confirmation.

16. The method of claim 14, further comprising:

propagating the indication of the confirmation from the user interface to a portion of the web page outside the user interface to allow the user to continue the transaction with the first website via interacting with the portion of the web page.

17. The method of claim 16, wherein the receiving the phone number in a second website via the user interface presented within the web page of the first website comprises:

communicating the phone number from a browser presenting the web page to the second website without going through the first website.

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

providing instructions to present a user interface within a web page of a first website, the user interface to receive a phone number from a user of the web page;

receiving the phone number in a second website via the user interface presented within the web page of the first website, without causing the web page to be reloaded;

communicating with a phone at the phone number received via the user interface to obtain a confirmation of a transaction indicated in the web page of the first website; and

in response to the confirmation, communicating with the phone to collect funds for the transaction via a telecommunication carrier of the phone.

19. 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 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 a request and to receive a confirmation of the request via the telephone, the request being received via a user interface embedded in a web page of a first website that is separate from a web server of the interchange and received in the web server from the user interface without causing the web page of the first website to be reloaded, 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.

20. The system of claim 19, wherein the common format processor further includes a mobile message generator.