Systems and methods to secure transactions via mobile devices
US8412626B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Dec 7, 2010 |
| Grant date | Apr 2, 2013 |
| Priority date | — |
| Expiry date | May 5, 2031 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L2463/082
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
Systems and methods are provided to improve security of payment transactions via mobile communications. In one aspect, a system includes an interchange having 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 for the confirmation of payment requests, made via mobile phones. The common format processor is to determine a risk of a payment request being fraudulent based on the personal identification information associated with a mobile phone and, after the payment request is confirmed and when the risk is below a threshold, to communicate one or more premium messages to the mobile phone to collect funds to fulfill the payment request.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.