Patent application number | Description | Published |
20110185406 | Systems and Methods to Authenticate Users - Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store account information with 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 authentication of the user to sign in the account. | 07-28-2011 |
20110213671 | Systems and Methods to Process Payments - Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility and an interchange coupled with the data storage facility that stores data associating a phone number with an account, such as a balance of the account, identification information of a plurality of funding sources, and security data for authentication. 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 with the common format processor in a common format, to facilitate authentication of the payment requests received from various payment terminals. The requests are authenticated via both the security data and communications with a mobile phone having the phone number. After the authentication, the payments are effected using the account. | 09-01-2011 |
20110217994 | Systems and Methods to Automate Transactions via Mobile Devices - Systems and methods are provided to automate transactions via mobile communications. In one aspect, a system includes a data storage facility to store data associating phone numbers with accounts 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 with the common format processor in a common format. The common format processor has an application programming interface to receive requests, such as a charge request having an identification of a phone number, an identification of a merchant, and an amount, and a status request having an identification of the first request, and is to transmit a message to a telephonic apparatus at the phone number to confirm the charge request, using one of the converters. | 09-08-2011 |
20110237232 | Systems and Methods to Provide Offers on Mobile Devices - Systems and methods to propagate and redeem offers via mobile communications. In one aspect, a system includes an interchange and a data storage facility storing a value in association with a first phone number. 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 common format processor in a common format and with the controllers in different formats. The common format processor is to re-associate the value with a second phone number and to use one converter of the converters to communicate a reference of the value to a telephonic apparatus at the second phone number, in response to a request from a telephonic apparatus at the first phone number, when the request includes the second phone number and a reference to the value. | 09-29-2011 |
20110238483 | Systems and Methods to Distribute and Redeem Offers - In one aspect, a system includes an interchange with a data storage facility to store data associating an offer with a phone number. 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 common format processor in a common format and to communicate with the controllers in different formats. The common format processor is configured to use one of the converters to communicate with a mobile phone at the phone number to process a payment to a merchant, to determine, for the payment, whether the offer is applicable based on the data associating the offer with the phone number, and to apply a benefit of the offer towards the payment if the offer is applicable. | 09-29-2011 |
20110276478 | Systems and Methods to Manage Information - Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility and an interchange coupled with the data storage facility that stores purchase receipts in association with phone numbers. 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 with the common format processor in a common format, to obtain a confirmation of a payment request that identifies a phone number, a merchant and a purchase from the merchant. After a confirmation is received, the interchange is to use funds associated with the phone number to pay the merchant for the purchase and to receive and store a receipt for the purchase from the merchant. | 11-10-2011 |
20120173348 | Systems and Methods to Process Payments via Account Identifiers and Phone Numbers - Systems and methods are provided to facilitate transactions via mobile communications. In one aspect, a system includes a data storage facility and an interchange coupled with the data storage facility that stores data associating a phone number of a user and an account identifier of the user. 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 with the common format processor in a common format. The common format processor uses one of the converters to transmit premium messages to the phone number to collect funds via a telecommunication carrier, receives a payment request having the account identifier, identifies the phone number based on the account identifier, and makes a payment on behalf of the user using the collected funds. | 07-05-2012 |
20120173413 | PAN CHARGING TO ACCOUNT ESTABLISHED WITH AN MSISDN - The invention provides a computer system and method for managing electronic transactions. A plurality of consumer accounts are stored in the data store, each consumer account having a first phone number as a first consumer account identifier. A communication and routing module receives a charge request, including an amount and a second consumer account identifier. The second consumer account identifier is an individual account identifier forming part of a personal account number. The communication and routing module identifies a selected one of the consumer accounts by associating one of the first phone numbers with the individual account identifier. A transaction processing system processes the charge request based on an account detail of the selected consumer account. | 07-05-2012 |
20120215609 | VOUCHER REDEMPTION - The invention provides a computer system and method for managing electronic transactions. A plurality of consumer and merchant accounts stored in the data store. Each consumer account has a first consumer account identifier. A communication and routing module receives a charge request, including an amount and a second consumer account identifier and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier. A merchant offer is received from the merchant computer system and stored in the data store. A voucher redemption system identifies a selected one of the voucher entries based on the charge request. A transaction processing adjusts the first amount to a second amount that is less than the first amount based on the discount of the selected voucher entry and processes the second amount based on the account detail of the selected consumer account. | 08-23-2012 |
20120215619 | OFFER INSERTION SYSTEM - The invention provides a computer system and method for managing electronic transactions. A plurality of consumer and merchant accounts are stored in a data store. Each consumer account has a first consumer account identifier. Each merchant account has a merchant account identifier. A merchant offer is stored in the data store in association with the merchant account having the respective merchant account identifier. A push module associates the merchant offer with the consumer account identifier. A communication and routing module receives a charge request over the network interface device, the charge request including an amount and a second consumer account identifier and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier. A transaction processing system that processes the charge request based on an account detail of the selected consumer account. | 08-23-2012 |
20120221437 | Systems and Methods to Automate Social Networking Activities - Systems and methods are provided to automate certain social networking activities in response to payments processed via mobile communications. In one aspect, a system includes a data storage facility to store social networking preferences with 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. The common format processor is configured to communicate with a third party social networking site in accordance with the social networking preferences on behalf of the user, during processing of the payment, such as posting a message about a purchase, checking the user in at a location of the merchant, etc. | 08-30-2012 |
20120276870 | SYSTEMS AND METHODS TO FACILITATE REPEATED PURCHASES - Systems and methods are provided to facilitate repeated purchase and payment transactions. In one aspect, a system includes an interchange and a data storage facility configured to store payment transaction records associated with phone numbers. 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. The common format processor is configured to identify a prior payment transaction associated with a phone number in response to a message from a mobile phone having the phone number, communicate with a merchant to repeat a purchase according to the prior payment transaction, and transmit via one of the converters premium messages to the mobile phone to collect funds for a payment to repeat the purchase. | 11-01-2012 |
20130138562 | PASS-THROUGH PAYMENT SYSTEM - The invention provides a computer system and method for managing electronic transactions. A plurality of consumer accounts stored in the data store. A payment source storing module stores a plurality of payment sources. A payment source selector is set upon receiving a payment source selection to indicate a selected one of the payment sources. A communication and routing module receives a charge request over the network interface device. A transaction processing system determines a payment source selected with the payment source selector, and processes the charge request based on the payment source selected by the payment source selector. | 05-30-2013 |
20130211930 | TRANSACTION AUTHENTICATION WITH AN MSISDN AT A POS ROUTED THROUGH A MERCHANT ACQUIRER COMPUTER SYSTEM - A computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier. A second consumer account identifier in the form of an MSISDN is received in a point-of-sale device. The point-of-sale device transmits the charge request, including an amount and the second consumer account identifier, to a merchant acquirer computer system, which routes the charge request. The charge request is received over a network interface device, the charge request including the amount and the second consumer account identifier. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier, and the charge request is processed based on an account detail of the selected consumer account. | 08-15-2013 |
20130211931 | TRANSACTION AUTHENTICATION WITH A NON-PAN ID AND PIN - A computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier that is not a PAN and a respective first PIN. A charge request is received over a network interface device, the charge request including an amount, a second consumer account identifier and a second PIN. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier, and the charge request is processed based on an account detail of the selected consumer account. The processing of the charge request is only permitted upon a favorable comparison of the first PIN and the second PIN. | 08-15-2013 |
20130211932 | TRANSACTION AUTHENTICATION WITH A VARIABLE-TYPE USER-STORED ACCOUNT IDENTIFIER - Each of a plurality of consumer accounts in a data store has a first consumer account identifier. Login information is received from a consumer device over the network interface device. The first consumer account identifier is received from the consumer device and stored in association the consumer account. The first consumer account identifier is storable as one of at least two types of identifiers and the storing by the consumer device of the first consumer account identifier is only permitted upon successful login based on the login information. The charge request is received over a network interface device, the charge request including the amount and the second consumer account identifier. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier, and the charge request is processed based on an account detail of the selected consumer account. | 08-15-2013 |
20130211933 | TRANSACTION AUTHENTICATION WITH A NON-MSISDN ID AND AUTHORIZATION BY COMMUNICATING WITH A CONSUMER DEVICE - A computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier. A second consumer account identifier is received in a point-of-sale device. A charge request including an amount and a second consumer account identifier is received, wherein the second consumer account identifier is not an MSISDN. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier. An authorization request is transmitted to a consumer device. An response to the authorization request is received from the consumer device, and the charge request is processed based on an account detail of the selected consumer account, wherein the charge request is processed if the response is the authorization response. | 08-15-2013 |
20130311377 | SYSTEMS AND METHODS TO FACILITATE REPEATED PURCHASES - Systems and methods are provided to facilitate repeated purchase and payment transactions. In one aspect, a system includes an interchange and a data storage facility configured to store payment transaction records associated with phone numbers. 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. The common format processor is configured to identify a prior payment transaction associated with a phone number in response to a message from a mobile phone having the phone number, communicate with a merchant to repeat a purchase according to the prior payment transaction, and transmit via one of the converters premium messages to the mobile phone to collect funds for a payment to repeat the purchase. | 11-21-2013 |
20130311378 | SYSTEMS AND METHODS TO FACILITATE REPEATED PURCHASES - Systems and methods are provided to facilitate repeated purchase and payment transactions. In one aspect, a system includes an interchange and a data storage facility configured to store payment transaction records associated with phone numbers. 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. The common format processor is configured to identify a prior payment transaction associated with a phone number in response to a message from a mobile phone having the phone number, communicate with a merchant to repeat a purchase according to the prior payment transaction, and transmit via one of the converters premium messages to the mobile phone to collect funds for a payment to repeat the purchase. | 11-21-2013 |
20130317980 | SYSTEMS AND METHODS TO FACILITATE REPEATED PURCHASES - Systems and methods are provided to facilitate repeated purchase and payment transactions. In one aspect, a system includes an interchange and a data storage facility configured to store payment transaction records associated with phone numbers. 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. The common format processor is configured to identify a prior payment transaction associated with a phone number in response to a message from a mobile phone having the phone number, communicate with a merchant to repeat a purchase according to the prior payment transaction, and transmit via one of the converters premium messages to the mobile phone to collect funds for a payment to repeat the purchase. | 11-28-2013 |
20130346224 | TRANSACTION AUTHENTICATION WITH A NON-MSISDN ID AND AUTHORIZATION BY COMMUNICATING WITH A CONSUMER DEVICE - A computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier. A second consumer account identifier is received in a point-of-sale device. A charge request including an amount and a second consumer account identifier is received, wherein the second consumer account identifier is not an MSISDN. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier. An authorization request is transmitted to a consumer device. A response to the authorization request is received from the consumer device, and the charge request is processed based on an account detail of the selected consumer account, wherein the charge request is processed if the response is the authorization response. | 12-26-2013 |
20140074633 | TRANSACTION AUTHENTICATION WITH A VARIABLE-TYPE USER-STORED ACCOUNT IDENTIFIER - Each of a plurality of consumer accounts in a data store has a first consumer account identifier. Login information is received from a consumer device over the network interface device. The first consumer account identifier is received from the consumer device and stored in association the consumer account. The first consumer account identifier is storable as one of at least two types of identifiers and the storing by the consumer device of the first consumer account identifier is only permitted upon successful login based on the login information. The charge request is received over a network interface device, the charge request including the amount and the second consumer account identifier. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier, and the charge request is processed based on an account detail of the selected consumer account. | 03-13-2014 |
20140172538 | OFFER INSERTION SYSTEM - The invention provides a computer system and method for managing electronic transactions. A plurality of consumer and merchant accounts are stored in a data store. Each consumer account has a first consumer account identifier. Each merchant account has a merchant account identifier. A merchant offer is stored in the data store in association with the merchant account having the respective merchant account identifier. A push module associates the merchant offer with the consumer account identifier. A communication and routing module receives a charge request over the network interface device, the charge request including an amount and a second consumer account identifier and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier. A transaction processing system that processes the charge request based on an account detail of the selected consumer account. | 06-19-2014 |