Systems and methods to approve electronic payments

US8548426B2 · kind B2 · utility

Assignee

• Boku, Inc. · US

Inventor

• Glyn Barry Smith · Chesterfield, GB

Key dates

• Filing date: Mar 17, 2009
• Grant date: Oct 1, 2013
• Expiry date: Dec 3, 2030

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04M2215/0196
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods are provided to facilitate online transactions via mobile communications. 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 common format processor in a common format and to communicate with the controllers in different formats. The interchange uses the converters to communicate with the mobile phone of a user to confirm the identity of the user using a user terminal separate from the mobile phone for subsequent payment requests from the user terminal to be fulfilled using the account identifier.