Systems and methods to selectively authenticate via mobile communications
First Claim
1. A computer-implemented method of accelerating transactions via mobile communications, comprising:
- storing, with a computing device of an interchange, at least one data element in association with a phone number in a data storage facility of the computing device of an interchange;
receiving, in the computing device of the interchange, a payment request from a merchant server to make a payment for an amount to a merchant using funds associated with the phone number;
determining, using the computing device of the interchange in response to the request, whether to skip mobile communications with a mobile phone at the phone number to confirm the request, the determination being based on the data element;
if the determination based on the data element in the account is to not skip the mobile communications, communicating using the computing device of the interchange with the mobile phone at the phone number to confirm the request such that the communication with the mobile phone is responsive to the data element indicating not to skip mobile communications and, upon confirmation of the request, billing using the computing device of the interchange a user of the phone number an amount based on the amount in the payment request using a funding source associated with the phone number such that the billing is responsive to the data element indicating not to skip mobile communications and the confirmation of the request;
if the determination based on the data element in the account is to skip the mobile communications, billing using the computing device of the interchange a user of the phone number an amount based on the amount in the payment request using the funding source associated with the phone number such that the billing is responsive to the data element indicating to skip mobile communications without the communicating with the mobile phone;
receiving an amount from the user corresponding to the amount billed to the user; and
paying an amount based on the amount received from the user to the merchant.
7 Assignments
0 Petitions
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.
264 Citations
20 Claims
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1. A computer-implemented method of accelerating transactions via mobile communications, comprising:
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storing, with a computing device of an interchange, at least one data element in association with a phone number in a data storage facility of the computing device of an interchange; receiving, in the computing device of the interchange, a payment request from a merchant server to make a payment for an amount to a merchant using funds associated with the phone number; determining, using the computing device of the interchange in response to the request, whether to skip mobile communications with a mobile phone at the phone number to confirm the request, the determination being based on the data element; if the determination based on the data element in the account is to not skip the mobile communications, communicating using the computing device of the interchange with the mobile phone at the phone number to confirm the request such that the communication with the mobile phone is responsive to the data element indicating not to skip mobile communications and, upon confirmation of the request, billing using the computing device of the interchange a user of the phone number an amount based on the amount in the payment request using a funding source associated with the phone number such that the billing is responsive to the data element indicating not to skip mobile communications and the confirmation of the request; if the determination based on the data element in the account is to skip the mobile communications, billing using the computing device of the interchange a user of the phone number an amount based on the amount in the payment request using the funding source associated with the phone number such that the billing is responsive to the data element indicating to skip mobile communications without the communicating with the mobile phone; receiving an amount from the user corresponding to the amount billed to the user; and paying an amount based on the amount received from the user to the merchant. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A non-transitory machine readable medium storing instructions, the instruction causing a computer to perform a method of accelerating transactions via mobile communications, the method comprising:
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storing, with a computing device of an interchange, at least one data element in association with a phone number in a data storage facility of the computing device of an interchange; receiving, in the computing device of the interchange, a payment request from a merchant server to make a payment for an amount to a merchant using funds associated with the phone number; determining, using the computing device of the interchange in response to the request, whether to skip mobile communications with a mobile phone at the phone number to confirm the request, the determination being based on the data element; if the determination based on the data element in the account is to not skip the mobile communications, communicating using the computing device of the interchange with the mobile phone at the phone number to confirm the request such that the communication with the mobile phone is responsive to the data element indicating not to skip mobile communications and, upon confirmation of the request, billing using the computing device of the interchange a user of the phone number an amount based on the amount in the payment request using a funding source associated with the phone number such that the billing is responsive to the data element indicating not to skip mobile communications and the confirmation of the request; if the determination based on the data element in the account is to skip the mobile communications, billing using the computing device of the interchange a user of the phone number an amount based on the amount in the payment request using the funding source associated with the phone number such that the billing is responsive to the data element indicating to skip mobile communications without the communicating with the mobile phone; receiving an amount from the user corresponding to the amount billed to the user; and paying an amount based on the amount received from the user to the merchant.
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18. A system for accelerating transactions via mobile communications, comprising:
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a data storage facility to store information associated with a phone number; and at least one data element stored in the data storage facility in association with a phone number; 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 in response to a payment request from a merchant server to make a payment for an amount identifying with the interchange 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 based on the data element; wherein, if the determination based on the data element in the account is to not skip the mobile communications, the common format processor is to use one of the converters to communicate using the computing device of the interchange with the mobile phone at the phone number to confirm the request such that the communication with the mobile phone is responsive to the data element indicating not to skip mobile communications and, upon confirmation of the request, billing using the computing device of the interchange a user of the phone number an amount based on the amount in the payment request using a funding source associated with the phone number such that the billing is responsive to the data element indicating not to skip mobile communications and the confirmation of the request; and wherein, if the determination based on the data element in the account is to skip the mobile communications, the interchange is to bill using the computing device of the interchange a user of the phone number an amount based on the amount in the payment request using a funding source associated with the phone number such that the billing is responsive to the data element indicating to skip mobile communications without communicating with the mobile phone for authorization of a payment to a merchant in accordance with the payment request; wherein an amount received from the user corresponding to the amount is billed to the user; and wherein an amount based on the amount received from the user is paid to the merchant. - View Dependent Claims (19, 20)
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Specification