Systems and Methods to Selectively Authenticate via Mobile Communications
First Claim
1. A computer-implemented method, comprising:
- receiving, in a computing device, a request to make a payment to a merchant using funds associated with a phone number;
determining, using the computing device, whether to skip mobile communications with a mobile phone at the phone number to confirm the request;
in response to a determination to not skip the mobile communications, communicating with the mobile phone at the phone number to confirm the request; and
in response to a determination to skip the mobile communications, billing a user of the phone number using a funding source associated with the phone number without the communicating with the mobile phone.
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Accused Products
Abstract
Systems and methods to accelerate transactions made via mobile communications. In one aspect, a system includes: a data storage facility to store information associated with past payment transactions 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 controllers. The converters are configured to communicate with the controllers in different formats, and to communicate with the common format processor in a common format. After a payment request identifying the phone number is received in the interchange, the common format processor is to determine whether to skip mobile communications with a mobile phone at the phone number to confirm/authenticate the request, based on real time information about the current transaction, the historical transaction data related to the phone number, and other data such as social graph data related to the user of the phone number.
99 Citations
20 Claims
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1. A computer-implemented method, comprising:
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receiving, in a computing device, a request to make a payment to a merchant using funds associated with a phone number; determining, using the computing device, whether to skip mobile communications with a mobile phone at the phone number to confirm the request; in response to a determination to not skip the mobile communications, communicating with the mobile phone at the phone number to confirm the request; and in response to a determination to skip the mobile communications, billing a user of the phone number using a funding source associated with the phone number without the communicating with the mobile phone. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A machine readable medium storing instructions, the instruction causing a computer to perform a method, the method comprising:
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receiving, in a computer, a request to make a payment to a merchant using funds associated with a phone number; determining, using the computer, whether to skip mobile communications with a mobile phone at the phone number to confirm the request; in response to a determination to not skip the mobile communications, communicating with the mobile phone at the phone number to confirm the request; and in response to a determination to skip the mobile communications, billing a user of the phone number using a funding source associated with the phone number without the communicating with the mobile phone.
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18. A system, comprising:
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a data storage facility to store information associated with a phone number; 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 converts to communicate with the common format processor in a common format; wherein after a payment request identifying the phone number is received in the interchange, the common format processor is to determine whether to skip mobile communications with a mobile phone at the phone number to confirm the request; wherein, in response to a determination to not skip the mobile communications, the common format processor is to use one of the converters to communicate with the mobile phone at the phone number to confirm the request; and wherein, in response to a determination to skip the mobile communications, the interchange is to bill a user of the phone number using a funding source associated with the phone number without communicating with the mobile phone for authorization of a payment to a merchant in accordance with the payment request. - View Dependent Claims (19, 20)
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Specification